Why You Should Invest | Should I invest or Save?

Why You Should Invest | Should I invest or Save?

INVESTMENT VS SAVINGS

As a young person, you are taught to save; put those little chunks of extra money you have into your savings account. That’s supposed to be enough. No one ever pushes you to invest plus, the small profit margin in it is not always enticing but, do you know that starting your investment journey at a young age is one of the best things you can do for yourself? 

Why you might ask?

It’s simple! When saving, you are simply putting the money away maybe for emergencies and other things but when investing, you are not just putting the money aside, you are also putting the money to work for you by putting it in ventures or using it to buy things that will increase its value. 

Now you may be saying ‘I’ll get to that later, I’m still in college so I don’t have to worry about that now’, well you actually do. Ever heard the phrase ‘the earlier, the better’? It’s true! 

But why? You may ask. Why start early on investments? What is the need you want to desperately meet that demands you put your money to work for you now? 

Let’s look at a few.

  1. Build Healthy Wealth: growing your money

Investing your money can allow you to grow it. Most investment vehicles, such as stocks, certificates of deposit, or bonds, offer returns on your money over the long term. This return allows your money to build, creating wealth over time.

  1. Planing for the future: Save for retirement

As a student or part of the workforce, you should be saving money for retirement. Put your retirement savings into a portfolio of investments, such as stocks, bonds, mutual funds, real estate, businesses, or precious metals. Then, at retirement age, you can live off funds earned from these investments.

In order to grow your money, you need to put it in a place where it can earn a high rate of return. The higher the rate of return, the more money you will earn. Investment vehicles tend to offer the opportunity to earn higher rates of return than savings accounts. Therefore, if you want the chance to earn a higher return on your money, you will need to explore investing your money.

Based on your personal tolerance of risk, you may want to consider being riskier at a younger age with your investments. Greater risk increases your chances of earning greater wealth. Becoming more conservative with your investments as you grow older can be wise, especially as you near retirement age.

  1. Reach financial goals faster

Investing can help you reach big financial goals. If your money is earning a higher rate of return than a savings account, you will be earning more money both over the long term and within a faster period. This return on your investments can be used toward major financial goals, such as buying a home, buying a car, starting your own business, or putting your children through college.

  1. The Adventure; Be part of a new venture

New ventures need the backing of money, and they look to investors for that backing. Some investors may like the excitement of investing in a new, cutting-edge product or service or being part of something like a business or film that introduces them to a glamorous world.

HOW TO USE YOUR SOCIAL MEDIA TO GET A JOB

HOW TO USE YOUR SOCIAL MEDIA TO GET A JOB

Today, everyone is attached to at least one form of social media. 


From Twitter fingers to Instagram Models, we all love our social media. Unfortunately, this doesn’t change the fact that most social media users need extra cash. Luckily, social media can be a good source of income.

Social media for business is pretty common these days but do you know you can search for and get a job using your social media account(s)?

Let’s run through our options, shall we?

Linkedin

This was always going to be the first option on this list. It is literally tagged social media for professionals. You can find job openings, apply for jobs and even generate a Resume from your LinkedIn profile. 

Facebook

Ok, I know it sounds cliché but you have to give Facebook its props. In recent years, Facebook has been becoming the most multiple dimensional social media platform and now has job openings and applications like LinkedIn. 

Visual Digital Media 

Welcome to the less conventional social media job hunt platform. Post about your achievements every once in a while, your friends are the best reference you’ll ever get. 

No one knows what you can do unless you tell them, over.. and over again. 

For example, if you get the employee of the month award at work, post about it and write out why you did. 

And if you are having a normal day at the office, post about it and use the opportunity to remind everyone what you do. Always have a positive outlook on social media. 


It might surprise you to know; companies search your social media pages when you apply for a job. 

Twitter!


The most multi-layered social media platform without contest. You will find more job openings on Twitter than any other platform, by following the right pages. 

Follow companies you want to work with and companies similar to the ones you want to work with, follow job hashtags, and most importantly clean up your social media opinions. 

People have lost big jobs because of posts from 5 years ago. 

Remember the Internet never forgets. 

Cold dms!

Have you heard of cold calls, well in the digital age we have cold dms. 

Direct message companies and send them your resume and links to your portfolio.

And when you believe you have sent your details to enough accounts, send some more. 

This is where the need for cleaning up your page comes in handy because when these companies take you seriously, they check your page. Hopefully, they will like what they see. 

Good luck!!!

Nigeria Provides Free CAC Business Registration for 250,000 MSMEs

Nigeria Provides Free CAC Business Registration for 250,000 MSMEs

This formalization support scheme will enable micro and small entrepreneurs, artisans, craftsmen and women who are yet to register their businesses to do so at no cost.

LIST OF AGGREGATORS AND STATE FOCAL PERSONS FOR THE FREE 250,000 FG/CAC BUSINESS NAMES REGISTRATION FOR MSMEs

CONTACT PERSONS OF THE AGGREGATORS

  • YOBE STATE
    MOHAMMED SAJE JAJERE
    08034243245
    mohammedsjajere@gmail.com
  • BORNO STATE
    ALKALI MOHAMMED UMAR
    No.1, NHIS Building, Damboa Road,
    Maiduguri, Borno State
    07032807091
    mualkas58@gmail.com
  • RIVERS STATE
    OJIAKOR NDIDIAMAKA
    No.10, Ipic/Green Village Estate,
    Akpajo Port Harcourt,
    Rivers State
    08035515095
  • IMO STATE
    EMEKA GEOFFREY NWOKORIE
    Plot 41, Chief Solomon Close,
    New Owerri, Beside Ojukwu Library,
    Owerri,
    Imo State
    08033461826
  • ZAMFARA STATE
    SHEHU JARI ABUBAKAR
    Yarima Quarters,
    Kaura Namoda,
    Zamfara State
    07066572766
  • GOMBE STATE
    MUHAMMAD MUSA BABA
    Sakin Bolari Street,
    Gombe, Gombe State
    08138400118
    muhammademir2@gmail.com
    muhdemir01@yahoo.com
  • NASARAWA STATE
    MOHD INUWA YAHAYA
    Ta’al Model E-Library,
    Nasarawa State
    07037625935
  • NIGER STATE
    HON. DANJUMA MANI
    List of Aggregators and State Focal Persons for the free 250,000 FG/CAC Business Name Registration
    Na Muye Transport Service,
    Opposite Newsline Tunga,
    Minna,
    08036002690
  • EDO STATE
    UZIEWE NELSON ENAKENO
    6 Ero Drive, Off Maho Street,
    Off Ekewan Road,
    Benin City
    08035353587
  • BAYELSA STATE
    EKWOMMA HARRISON
    Okutukutu By Damis Junction,
    Yenagoa,
    07034552814
  • TARABA STATE
    ABDULRAZAQ MOHAMMED NUHU
    No.13, Hammaruwa Way,
    Brothers Filling Station,
    Adjacent MTN Head Office,
    Jalingo,
    08038772005
    abdulmaiharka@onecareer-admin
  • KADUNA STATE
    iBase Technologies LTD
    Suite 1 2nd Floor,
    Imam House,
    Ahmadu Bello Way,
    Kaduna State
    08032846128
  • SOKOTO STATE
    MUSTAPHA ABUBAKAR ALKALI
    Sokoto North Senatorial District, ,
    Garba Duba Road,
    08025327960
  • KEBBI STATE
    KAMA’AIKI COMPUTERS
    Go Slow Road, Nasarawa,
    Birnin Kebbi,
    08037133071
  • ADAMAWA STATE
    IBRAHIM MOHAMMED
    Mohammed Mustapha Way,
    Near Capital School,
    Jimeta, Adamawa State
    08069747512
  • KOGI STATE
    HAJIYA FATIMA MUSA
    Behind Former Federal Pay Office,
    New Layout, Kogi State
    08036018707
    Fmusa6003@gmail.com
  • AKWA IBOM STATE
    BRIGHT LAW CONSULT
    42, Sanni Ogun Road,
    Ikot Ekpene,
    Akwa Ibom State
    08039113913
  • OYO STATE
    ABIDEMI OSENI ODUNTAN
    (CORE EQUITY LIMITED)
    Suite 58, Adebayo Shopping Complex,
    Adex Bus Stop,
    Along Monatan Iwo Road,
    Ibadan,
    08099990741
    coreequity@gmail.com
  • ENUGU STATE
    CHIEMEZIE OKONYIA
    (CORE EQUITY LIMITED)
    No.2, Cemetery Road,
    G.R.A,
    Enugu,
    Enugu state
    08134069965
    coreequity@gmail.com
  • CROSS RIVER STATE
    OGBECHE McDON KENNETH
    SHOP RITE PLAZA ANNEX,
    28, MCC ROAD,
    CALABAR,
    07031525265
    iconmcdon@gmail.com
  • KANO STATE
    MUSTAPHA NASIR
    NO. 8 GIDAN BABAN GWOGGO,
    UNITY ROAD, KANO
    08035686398
  • ABIA STATE
    NESOCHI ALFRED-IGBOKWE
    `08123010407
  • BENUE STATE
    MONE NYAKAN
    08138413403
  • EKITI STATE
    IPAYE TITILOLA
    08164248733
  • ONDO STATE
    ADEGBOYEGA OLUFUNMILOLA SEUN
    08138584754
  • OSUN STATE
    OLUWAFUNMI OLUSEGUN AKANKI
    07058027905
  • LAGOS STATE
    TIMOTHY ASOBELE EMMANUEL DARE
    07087759674
  • EBONYI STATE
    FLORA OCHADU
    08122544224
  • EBONYI STATE
    FLORA OCHADU
    08122544224
  • KWARA STATE
    MUBARAK OPEYEMI
    08148600902
  • OGUN STATE
    OPEYEMI OLATINWO
    07058027905
  • ABUJA-FCT
    ADESHINNA AGOI
    07036657855
  • ANAMBRA STATE
    NASME
    THEO NNOROM
    08033152061
  • DELTA STATE
    NASME
    FRANK OBIORA
    08033885200
  • JIGAWA STATE
    SMEDAN
    AMINU SALEH
    08032982133
  • KATSINA STATE
    SMEDAN
    ISAH MIQDAD
    07064607578
  • BAUCHI STATE
    ITF
    MR. RICHARD BABA AUDU
    08035769191
    INDUSTRIAL TRAINING FUND,
    Bauchi Area Office,
    Murtala Mohammed Way,
    Off Central Bank Round About,
    Federal Low-cost Housing Estate,
    Bauchi State
  • PLATEAU STATE
    ITF
    HAJIYA KHADIJA MUDI
    08034526707
    INDUSTRIAL TRAINING FUND,
    Jos Area Office,
    No.1, Kufang Miango Road,
    Opposite Maranatha Bible Church,
    Kufang, Jos, Plateau State
HOW TO STAY POSITIVE AND PRODUCTIVE DURING TIMES OF CRISIS

HOW TO STAY POSITIVE AND PRODUCTIVE DURING TIMES OF CRISIS

In life, things would not always go as planned. There would always be times of uncertainty, worry or danger. And during such times, it is important that you maintain a healthy mind by staying positive and productive. 

When you are in the middle of a crisis, whether as a result of family issues, financial issues, health challenges, global or national crisis as a result of plagues, pandemic or war, you may find yourself feeling unmotivated, as though the problem has come to stay and will never be over. 

As humans, it is natural to have an episode of fear and negative thoughts in our heads when things are not going the way we planned. And with so much negativity and fear, it really becomes extremely difficult to concentrate on the things that are important like your job, family, health and even yourself. It would seem extremely hard to move forward with your normal schedule, going about the task set out to be achieved would seem unnecessarily hard and many would feel unproductive, lost and may even fall into depression. 

You must realize that a challenge, no matter how big it may seem is not the end of the world. 

It is important that you understand that bad things happen and soon enough, a way out of the situation would present itself. You shouldn’t let your life run into chaos because of one thing that went wrong. Think on all the good things that may have happened in the last few days. Focus on a way out of the situation instead of drowning in it. You should be able to create more value in your personal and professional life even during a crisis. 

Don’t forget, if you leave your source of income unattended to because you are sad and emotionally drained, soon enough you would go broke. Your boss wouldn’t continue paying someone who does nothing for the company and if you are your own boss, your clients or customers will no longer seek your services because you no longer deliver as expected. You would have no money to feed, pay tuition or afford other services. You need to make money. Therefore, you have to bounce back. 

These are a few ways you can stay positive and productive during a crisis.

  • Take it slow: you are not feeling 100% emotionally. It is normal that you would be feeling physically drained all the time. I’d advise that you take it slow. Don’t try to take on a week’s task in one day. Take it slow, breathe and take a day off if you have to. Organising your tasks in a hierarchy of importance is a great way to start. Do those tasks that are closest to their deadlines. Learn to say no to new tasks if you lack the mental strength to pull it off on time. Now is the time to stay extra focused on what matters the most. But remember to take it slow. 
  • Create new routines: Consider scheduling your time in blocks with frequent breaks to help manage your emotions. Time management is key to staying productive whether you are working from home or in an office. Take breaks to just breathe. If you try to neglect what you are going through by focusing too much on work, you would not heal properly and your work wouldn’t be as efficient as it would normally be. Factoring in new routines and rituals during a crisis can be very helpful. If you were used to staying home all day, you can opt to learn a new skill, language or hang out with friends. This would help you feel positive, motivated and more productive.
  • Practice self-care: it is definitely not the end of the world. So do not neglect your physical, mental or emotional well-being. It is normal that when you are in a crisis and under stress you would feel frustration, fatigue, anger, self-pity, depression, fear and other negative emotions. But in times like this, do not neglect self-care. More than ever, it is important that your well-being is a priority. I would advise you to eat healthily, avoid the use of alcohol and other substances and stay away from negative energies or people who talk in the negative. You should also exercise; exercising can make you feel energetic and happy. Remember to always take time out to rest. Engage in self-calming practices like yoga, intentional breathing and breathing exercises. You should also learn to meditate. There are also other practices that can help reduce stress levels by helping you relax and quiet the mind. 
  • Delegate: you might want to let your employees handle a few tasks on their own, without you micromanaging them. This is the time to get as much help as you can. Seek help from team members. Learn to accept assistance instead of trying to do things on your own. Let your spouse pick the kids up from school if he has the free time. Allow your relatives to help out with a few chores. You already have enough to worry about. You should leave a few things in the hands of people you can trust.
  • Do not neglect opportunities: you know the saying that there is sunshine at the end of a tunnel? A crisis can birth to new opportunities. It all depends on how you approach it. If you are stuck at home because you can’t go to work due to a national crisis, it is an opportunity for you to tick one or two things off your to-do list. Do something that you have been willing to do but have not found the time or opportunity to do. You can take up a language class, cut your hair or finally learn how to swim or play a new sport. Sort out that home bookshelf you always wanted to sort out. Learn how to cook, try out new recipes, reach out to that friend you haven’t heard from in a long time.

Finally, help someone else. I have found that when you help someone get through a tough patch while you are down, it motivates you to be happy and energetic once again. In times of crisis, remember that you are not alone. Everyone is experiencing the same thing at the same time. Reach out to family members, neighbours and colleagues at work. 

Remember, this too shall pass.  

How Young Africans Can Travel Abroad | How to Travel for Career Advancement

How Young Africans Can Travel Abroad | How to Travel for Career Advancement

Ways to Legally Travel Overseas; For Young People

A lot of young people are desperate to travel to other countries for a lot of reasons. And that desperation has led them to resort to illegal means or has made them susceptible to fraud. Also, when these young people are apprehended, they are either forced back to their country of origin or imprisoned in a foreign land with nobody the wiser. 

Don’t get me wrong, it’s a good thing to dream big and wish for a better life for you and your family and personally, I support the idea of leaving your comfort zone to get your hands on better resources and opportunities that would catapult you to success. However, doing it illegally is very dangerous and not advisable. 

Today we will discuss some of the best LEGAL ways young people can explore the world. 

Study programs:

Student visa is one of the most reliable legal ways to get out of your country. Choosing the right school in the right country is also major boost to your plans and will influence the speed and fluidity of your travel arrangements. Looking for a way to leave the country? Search online for schools that are calling for new students or are currently admitting students; especially those looking out for international students. Apply to them. Keep applying until you get one that would accept you. 

Through Scholarships:

Like earlier stated, studying abroad may be the perfect way to travel out especially when you can afford to pay for tuition and other logistics. However, if you can’t, there is no need to beat yourself up. You should consider getting a scholarship. 

Getting a scholarship is a great way to reduce your expenses when you wish to study in an institution abroad. It is an easier process now with the internet aiding you in finding scholarships best suited to you. There are many excellent universities and colleges with good academic standing around the globe, granting young people scholarships every year. You just need to find them. There are different kinds of scholarships and the different types will help you figure out which scholarship is best for you. 

If you wish to study abroad, and are wondering how to apply for scholarships, here are a few things you should do: seek professional help, research about different types of scholarships, search for scholarships online, Get your resume ready and just keep applying and remember to hope for the best. You can get a scholarship for a lot of achievements, not just academic success; so keep an eye out.

International Fellowships and Grants:

If you run a business, NGO, Social Enterprise or volunteer for one, then this might be a good way for you to travel out of the country legally. I say this because it is easier to be granted access to another country when it is very clear that you would be returning to your home country afterward. Your history and involvement with these organizations will show you are not travelling to run away and settle in a foreign country illegally. 3 or 4 2-week trips for different countries over 4 years will do your credibility a lot of good. Whatever happens, avoid falsifying bank statements. 

Some fellowships and grants give you the opportunity to visit a different country and network with people from all walks of life, exchanging ideas, experiences and gaining potential business opportunities and partners. An example is the Mandela Washington Fellowship Leadership with programs designed to empower fellows to lead in their communities through themes that span Business, Civic Engagement, and Public Management. Another example is the Obama foundation fellowship that supports outstanding civic innovators. The program selects 20 community-minded rising stars from around the world for a two-year, non-residential program that offers training and leadership development. 

Work Visa:

A work visa is permission given to a foreigner to travel and work or engage in business activities in a country in which he got a job offer. You can apply for jobs in other countries; it’s not impossible to get if you can satisfy the requirements. You just need to keep your eyes open for job openings in a country of your choice and keep applying. It’s that easy! And Remember, DO NOT lie about your location. There are different types of work visas depending on the nature of the work and length of stay. For example, a working holiday visa allows a person to take on employment temporarily while visiting the country. 

Finally, stop being desperate. When you go for visa interviews, stop acting desperate. Visa interviewers can see the desperation on your face and hear it in your voice. You won’t be granted a visa if the interviewer feels like you want to run away or have no plans of returning home. Your inspiration to leave your resident or origin country should always be; to improve yourself and return home to change your country. Statements like this would give you a better chance of passing visa interviews and securing a travel visa to a country of your choice.

Anyone Can Get A Scholarship | Here’s How! | You can Get A Scholarship

Anyone Can Get A Scholarship | Here’s How! | You can Get A Scholarship

These are one of the best things that have ever happened; apart from sliced bread, of course. They give you the ability to study in a different country, meet amazing minds from all ends of the earth and earn the degree of your dreams; all for free! But getting a scholarship is not always easy. It requires a lot of work and sometimes, people miss scholarship opportunities through mistakes made in the application process. The competition is usually fierce for scholarships especially the full-ride ones so it is important to get it right. How exactly does one get a scholarship? Let’s find out.

  1. Research

There are thousands of scholarship opportunities out there; both popular and unpopular ones.  So research! There are numerous scholarship sites on the web, become their friend, sign up to join their mailing list so you get firsthand information.

There are different types of scholarships:

  1. Sports scholarships.
  2. Scholarships offered based on academic merit
  3. Scholarships reserved for Minority groups
  4. Location-specific and program-specific Scholarships.
  5. Scholarships provided by the Universities, Private or Government Bodies, etc.

A lot of information right? Well, do not panic just yet. Look for the one that serves you best; as a minority, a great sportsman, etc. When you find a scholarship; maybe on a scholarship website or page, go to the page of the sponsoring body to find out if you meet their requirements. Many times, the ad page doesn’t carry all the requirements the scholarships donors have set so you need to do your research. Also, if you feel the need to, you can contact the school and scholarship donors to make sure you have the right information.

Also, research on the sponsoring body and see what you can find out about them that will help you present your application and essay or letter of motivation in a way that wins their hearts. Find out what they want, who they are (even outside the scholarship presentation given), see what they are like, what they promote and what they hold in high esteem on all their platforms so you know how to apply and appeal to win their favor. It’s not emotional manipulation, don’t worry.

  1. Volunteer and Let them know you did! 

Scholarship providers want to see selflessness and great leadership. They want to know that the opportunity they give you will be used to better your society and the world at large. What better way to convince them that you are what they are looking for than to volunteer and let them know you did?! When writing your essay or building your resume (if they require one), make sure you add and highlight times when you volunteered, put others before yourself and exemplified great leadership skills. It works like magic. 

  1. Begin the process early.

Monica Matthews who wrote “how to win a college scholarship” highlighted this as top priority. Many scholarships have deadlines that come way before the school year commences. It is important to begin your search process early; sometimes even way before you need the scholarship. Why? Because you need to know what it is like. In order to do that, it is best to gather Intel. How? Talk to your school counselors as well as others who have succeeded in getting a scholarship so you know what to do. Everyone needs a little guidance at one point or the other, this is one of those points.

Also, beginning your process early gives you ample time to prepare your essay or letter of motivation, leaving you with excess time to check and double-check to make sure you check all the scholarship requirement boxes. If you start late, you might have to rush and in the end, even forget to provide your name! Plus, missing a scholarship deadline will get you automatic disqualification from the process so, start early.

  1. Work that Essay. 

You heard that right! Your essay is the key to getting this scholarship. This is where you put your creativity to work. Let them know why you deserve this opportunity. Get personal; don’t be afraid (they need to know they are not giving this opportunity to a robot). Give them what they want. That research you did; it will be helpful here. Use the information you got to present yourself in a light that is appealing to them. Here, it is more than just your GPA, they want to see you; your trials, moments you showed up for the betterment of your local society, how you are working on yourself to be better and how even your failures make you a great candidate for the scholarship. This might sound like a lot and it is but, getting a scholarship is not a walk in the park. No matter what you write, make sure you are genuine, and not giving them another person’s story. Whatever you write, let it be yours and let it be worth a scholarship.

  1. Apply to as many as you can. 

When looking for a job, do you apply to one place? So why apply for only one scholarship?  Don’t put all your eggs in one basket. If a scholarship is something you truly need,

Apply, Apply, and… Apply!