1. Relationship is a time consuming institution that drains a large chunk of our mental and emotional space whenever it doesn't go right. As soon as you notice a red flag in your relationship, I believe it is the perfect time to take to your heels, except you can miraculously change the hand of time, iRead more

    Relationship is a time consuming institution that drains a large chunk of our mental and emotional space whenever it doesn’t go right. As soon as you notice a red flag in your relationship, I believe it is the perfect time to take to your heels, except you can miraculously change the hand of time, if at all you can.

    With that said, there are certain steps to take to yank yourself out of a toxic relationship, if you really want to.

    1. Seek counsel: People in toxic relationship are advised to take counsel from friends, family, professionals and permit me to say, love doctors if need warrants. It could get difficult to think straight trying to get out of the relationship. You, need rehabilitation because the process takes time and you need supportive friends and family around you all through the process.
    2. Express your feelings: When trying to exit a toxic relationship, you need to express your feelings in every possible way. Do not keep too mute. Endeavor to express the way you feel to the person you’re in a toxic relationship with, hoping they would take it lightly and reasonably with you.
    3. Make a firm decision: After you must have expressed your feelings, the next thing is to make a concrete decision whether or not the relationship can be salvaged. If you see the need to fight for the relationship, then go ahead, if otherwise, kindly talk a beach walk-away from the relationship.
    4. Surround yourself with positivity: Whatever your decisions are, you need to back them up with a strong  positive vibe. Ensure you stay positive at all instance. Do not rule out on love totally.
    5. Stick with your decision:  As said earlier, do not back out on your decision. Hold firm to it for as long as you deem fit. It is normal that you miss the person you left; we are humans not robots and we have a mind. However, you need to remember that the decision you took was for good, so stick to it and resist the urge to go back to your toxic relationship.

    It is better leave a relationship when you notice the red flags or see the handwritings on the wall, than to continue bearing the emotional stress and assaults.

    See less
    • 0
  2. Prioritization is simple, but could be otherwise if not probably managed; first things coming first. When you prioritize your program adequately, there are chances you would get rewarded. Achieving your goal and prioritization are two sides of a coin, they go hand-in-hand. There are ways prioritizatRead more

    Prioritization is simple, but could be otherwise if not probably managed; first things coming first. When you prioritize your program adequately, there are chances you would get rewarded. Achieving your goal and prioritization are two sides of a coin, they go hand-in-hand. There are ways prioritization can help you achieve.

    1. Commit to a timeline: Prioritizing involves commiting to a workable lifestyle or habit that would yield success. Here, you have to arrange activities in order of importance and urgency and strictly commit to it.
    2. Keep to your to-do list: Having a workable to-do list is one side of a coin, keeping your part of the deal to making the to-do list order your activities is another. Some say a to-do list is a way to procrastinate when you do not follow them, and otherwise when you follow or allow order your day.
    3. Plan in reverse: This means pondering what you wish to achieve. Which would make you think and act fast for the next line of action. If you have a task ahead of tomorrow, it is good to think about the task of the day after tomorrow. This would help you in strategizing properly.
    4. Set your goals: If you know what you’re trying to accomplish, staying focused and pursuing a goal would be much easier. The best thing to do is set a goal, like something that would keep you up at night and set you on your feet.
    5. Use a gamification system: To gamify means to use elements or anything appealing to cause self encouragement and motivation. Therefore to achieve some goals you need to gamify it by placing sticky notes and reminder for your proposed achievements.

     

    See less
    • 1
  3. Brainstorming an effective and efficient marketing strategy is not a day's job; it takes a lot of commitment, time and patience to achieve this goal. You would need to spend enormous time understanding your target audience/customers and their customary habits to fully understand how best to reach thRead more

    Brainstorming an effective and efficient marketing strategy is not a day’s job; it takes a lot of commitment, time and patience to achieve this goal. You would need to spend enormous time understanding your target audience/customers and their customary habits to fully understand how best to reach them.

    However, there are certain simple steps to help you reach these clients.

    1.  Create Advertisements: This is one of the best ways to get the attention of your potential clients. Google and Facebook offer a cheap ads platform which can boost your patronage.
    2. Smart Social Media: It is one thing to be always on social media, it is another to have a social media presence. Use your social media platforms, not only to promote your brand or product and services, but to answer possible questions within the jurisdiction of problem solution.
    3. Respond to emails, calls and notifications: So many people in business do not have time to respond or reply their unread notifications for reasons best known to them. If you want to boost your sale and know where your potential clients are, you need to be always ready to provide answer to everyone’s questions.
    4. Connect with the right influencers: Identify group of people who are successful in your line of business and try to follow their activities. There are a lot of things you stand to learn from them.
    5. Post relevant contents: You cannot claim to be a fashion designer and a large chunk of your post are on mobile phones or food. It does not connect. Ensure you always update your audience on intriguing information in your business.
    6. Research your competitors and find out who their customers are: This might look like an investigation, regardless, it is tailored to knowing who your potential clients might be and meeting their needs.

     

    See less
    • 1
  4. Many a time, you come across a lot of people who are in dire need of one thing or the other, but you get stymied because you cannot meet the needs of these folks all at the same time. However, there are certain benefits of rendering help to others.  It fosters relationship between you and others. ItRead more

    Many a time, you come across a lot of people who are in dire need of one thing or the other, but you get stymied because you cannot meet the needs of these folks all at the same time.

    However, there are certain benefits of rendering help to others.

    1.  It fosters relationship between you and others.
    2. It makes you feel good
    3. It improves the lives of others, however little
    4. It makes the world a suitable place to live in, and
    5. If the kind gesture is reciprocated, it could have a multiplier effect.

    A lot of us are confused on how to be of help to others. Look no further, the following would reduce your stress about this subject matter.

    1. Wear a smile and be friendly: The Holy Writ has it that “a man who wants to have friends must show himself friendly” This is simple enough, there would be reasons to wear a moody and tough face, try to reflect on the people who look up to you. A warm smile can bring comfort to anyone you randomly come across.
    2. Donate to charity what you do not use: Have you taken a good look at your closet to see that chunk of clothes and shoes you do not wear? I think it is time to give those things out to the less privileged.
    3. Make donations: Making donations these days have been made easy. You do not need to make it formal or official, whenever you go to a malls, Cinemas and entertaining centres you would see donation boxes lying fallow, kindly drop any amount of your choice, this goes a long way.
    4. Bend over to help: I believe it costs nothing to be of the slightest assistance to your neighbor who has a heavy load to lift, object to pick from the floor and the likes.
    5. Teach: It is said that if you want what you have learned to stick to your memory, teach others. You can tutor your neighbors’ children or dabble into adult education without charging a penny. It goes a long way.
    6. Pray for others: Many people do not know what this mean anymore. A little word of prayer for that fellow goes a long way.

    Endeavor to show a little bit of love and kindness wherever you find yourself.

    See less
    • 1
  5. Getting along with people could get a little complicated. However it is imperative to have a good and working relationship with people, most especially the ones you're in a group with. They say "If you want to run fast, run alone, but if you want to run far, go with people" Having said this, you neeRead more

    Getting along with people could get a little complicated. However it is imperative to have a good and working relationship with people, most especially the ones you’re in a group with. They say “If you want to run fast, run alone, but if you want to run far, go with people” Having said this, you need to have a good relationship with people regardless of the situation you might find yourself.

    To get your team working together, you need to do:

    1. Listen with the intent to understand: It is said that majority of people listen to reply, rather to understand. To make a team work together, you need learn to listen to understand the plight of the narrator.
    2. Practise the golden rule: The golden rule has become obsolete in our generation. People don’t out themselves in other’s shoes, instead they act like they don’t make mistake. To get a team working, regardless of the number, you need to put yourself in the position of each individual, however strenuous it might get.
    3. Be polite: The world is losing it when it comes to being polite. Myriad go with “this is my nature, I don’t know how to pretend when things aren’t right” Trying to make a team work, whether you’re the captain or not, you must be polite. You could be polite with diplomacy, but it should not take the place of being polite. Just be tenderhearted, you’ll be surprise to know the number of miraculous stunts you’d pull.
    4. Cease the occasion to say soothing words: Your team would fall into a very bad or rough day where thing would go not-too-good for you. This is the perfect opportunity to conjure encouraging words to keep the team spirit high and working.
    5. Show interest in others: A good way to make things work in your group is to show genuine and honest interest in others without any ulterior motive. When people notice you show interest in them it builds up their capacity and propensity to succeed.
    6. Be positive: This is related to one of the above. Being positive means saying and acting positive in all circumstances, without a reservation. Being positive is a mind game and you need to brace up your mind to stand up to the occasion when it arises.

     

    See less
    • 1
  6. Cowryrise, like Piggyvest wallet, is a good personal financial platform for savings. It has an automatic saving mechanism that reduces you the stress of going to to the bank and it's paperwork. Your saving or investment plan generate interest over the period of time you specify. Cowryrise is simpleRead more

    Cowryrise, like Piggyvest wallet, is a good personal financial platform for savings. It has an automatic saving mechanism that reduces you the stress of going to to the bank and it’s paperwork. Your saving or investment plan generate interest over the period of time you specify.

    Cowryrise is simple to use and rewards your efforts. Here are benefits you stand to get.

    1. Automatic saving
    2. Better interest than your bank would give
    3. Minimum of N100 to start
    4. Withdrawal is completely free on your stipulated date of withdrawal.

    Features of Cowryrise

    1. Savings: Savings can be done automatically or manually on a daily, weekly or monthly basis. Cowryrise has certain saving feature. a) Life goals. This allows you save towards a long term project, like education, business, emergency . b) Saving goal. This allows you save towards a short term purpose, like getting a new phone, laptop, clothes. c) Mutual funds. With Cowrywise, you can invest in Nigeria’s money market via Mutual funds. The platforms list funds like Afrivest Plutus Fund, United Capital Money Market Fund, Meristem Money Market Fund and more on its list of funds. Cowryrise also support Dollar savings. Stash gives you a unique account number and allows you to do a number of things — direct transfers to investment plans from your bank, make transfers to other Cowrywise users, make bank transfers for as low as NGN25. Basically, it’s like your bank account, but for Cowrywise.
    2. Interest rate: Cowryrise gives you about 10-15% interest.
    3. Withdrawal: The platform allows you save for 3 months and withdraw for free.
    See less
    • 1
  7. Piggyvest is a platform that allows you save money automatically with ease. It helps you carve out certain amount of money from your bank account for the rainy day. It has no start fee, meaning, you can open it  with a zero account. The only thing you might need would be your BVN to link your savingRead more

    Piggyvest is a platform that allows you save money automatically with ease. It helps you carve out certain amount of money from your bank account for the rainy day. It has no start fee, meaning, you can open it  with a zero account. The only thing you might need would be your BVN to link your savings with your bank details for withdrawal. It allows the following deposits: daily deposit is between N50-N25,000. Weekly is between N1,000 to N100,000. Monthly deposit range is between N3,000 to N500,000. The piggyvest wallet can either be accessed on the web and app. You could decide to use the website platform or download the app from Google playstore.

    Features of the Piggyvest wallet

    1. Savings: Piggyvest has three forms of savings: a) Target saving. This an option that allows you save towards a purpose. Even when you have an emergency, you won’t have access to the money untill the days you stipulated for the completion of the target. For example, you can save towards your education, new gadgets, house rents, for months. You get to choose the amount you want to save and when you want to save. b) Safelock saving. Safelock is an option that helps you lock money away for months, usually 2-24 months, and also gives you interest on your savings. c) Flex Dollars saving. The flex Dollars allows you save money in US Dollars. This is a good option for those who are international trade savvy. I would suggest you buy dollars when exchange rate is low and withdraw it when you notice a rise in US-NGN exchange.
    2. Interest rate: Piggyvest wallet gives you interest for saving money. Banks, these days, do not give you interest for saving your money, instead they debit you for some maintenance. The interest rate for using the target saving is 10%, flex Dollars 6% and Safelock 13% all per annum.
    3. Investment: This platform helps you invest in different aspect of life. Ranging from agriculture, transportation and others
    4. Withdrawal: Withdrawal of your money is usually free during a period of time (March 31st, June 30th, September 30th and December 31st). Any withdrawal outside these dates would cost you about 5% of the amount you wish to withdraw.

     

     

    See less
    • 1
  8. This answer was edited.

    "Investing money is a great source of making passive income. There are many investment opportunities in Nigeria, but, we are going to discuss where to invest money in Nigeria. If you are thinking about investing in a profitable business in Nigeria but don’t know which business to choose to earn extrRead more

    “Investing money is a great source of making passive income. There are many investment opportunities in Nigeria, but, we are going to discuss where to invest money in Nigeria. If you are thinking about investing in a profitable business in Nigeria but don’t know which business to choose to earn extra money, here is a list of the most lucrative businesses in Nigeria”

    1. Save and invest with a bank. Certain banks, if not all, allow you spend less of your money and allow you earn some returns as interest after stipulated time.  start making money on savings from the bank you chose, create your account at your bank’s website, enter your bank details, and add a bank card. You will start earning the very same moment you create an account, and the whole process takes place online. So, you don’t have to make a visit to the bank.
    2. Investing in FG saving bonds. Not many of us must have heard of this. The FG saving bond is a means where you lend to the government to do some projects and you get paid with interest. The interest rate is 13%; more than any commercial bank would give you. Also, tax is not levied on your savings or interest.
    3. Cryptocurrency. This is one of the riskiest and fortune bringing business in the world, if carefully done. However, ensure you consult a professional who would guide you right into this business.
    4. Gold. It is said that Gold is now a lucrative business in Nigeria. The value of Gold never depreciates like oil; it’s value stays the same. A 10karat Gold doesn’t lose its value overnight.
    5. Stock. “When you buy shares, you need to make sure you do everything right. To cash out big in stocks investments, you need to develop your own winning system, conduct research before investing in stocks, and choose a quality stock. The thing is investing in stocks can help you get an incredibly high return which also comes in dividends and bonuses. Investments in the stock market for individuals start at 200,000 Naira and for companies at 1 million Naira. One more reason to invest in stocks is that stocks are very liquid and come extremely handy in times of emergency.”

     

    Others including

    1. Forex trading
    2. Agriculture
    3. Real estate
    4. Pure water production

     

    See less
    • 1
  9. As much as it is important to save some money for the rainy day, it could also be difficult at some point. However the following would help you become an effective money saved. Keep track of your expenses: Have a rough estimate on how much you spend on bills, entertainment and all other personal orRead more

    As much as it is important to save some money for the rainy day, it could also be difficult at some point.

    However the following would help you become an effective money saved.

    1. Keep track of your expenses: Have a rough estimate on how much you spend on bills, entertainment and all other personal or family expenses. This would give you an idea on how much you earn and need to save
    2. Have a budget for saving: Once you have kept track of how much you spend, you can easily cut out a chunk towards savings, say 10-15% of your income. It’s really up to you.
    3. Cut your spending: Ensure you avoid spree spending. Try to reduce spending money on wants instead of needs. Your needs are important but your wants might not be important. Ensure you cut too much spending on entertainment and others. Cook more than buying food or junks. Cooking saves you a fortune
    4. Set a saving goal: What would you do with the money you’re saving? Having a plan to spend the money you are saving makes your saving urgent and paramount. Have a target you’re saving towards; buy a car, buy a new phone, Masters degree, vacation abroad. Have a plan
    5. Pick the right tools: Saving could be stressful if you do not have an automatic saving method. A platform like piggyvest would allow you save automatically even when you’re offline. This would make you avoid the excuse of “I forgot to save for this week/month”
    6. Watch your saving grow: This would help you keep record of your progress in saving at the end of the month/year.

    Saving can save you in the future. Cultivate the habit of saving.

    See less
    • 1
  10. There are no blue prints to decipher someone's love for you, as humans have the propensity to hide their feelings; the female folks especially. However, there are some signs you should watch out for to know if he/she really loves you. Mind you, infatuation could be lurking around your findings. YouRead more

    There are no blue prints to decipher someone’s love for you, as humans have the propensity to hide their feelings; the female folks especially. However, there are some signs you should watch out for to know if he/she really loves you. Mind you, infatuation could be lurking around your findings. You should therefore weigh your options well and decipher between love and the other.

    Love have different meanings to different people, you should be concerned with the what the person you claim to love talks, reacts and think.

    1. See if the person can act naturally around you. Being in love entails openness to the third party. If you notice the person you claim to love or loves you shows you a different side from what the general public knows, it’s evident that the person loves you.
    2. Weigh the level of happiness they display around you. He/she cannot profess to love you if he/she is never happy when you are around. Your lover would always be happy to have you around.  Even after you’re gone, s/he would want to have you around forever.
    3. Watch out for giddiness of the person around you. This is a feeling of being light around someone. If s/he always seems everything funny in what you do, that is a sign. Giddiness is a silly feeling induced my love where you feel weightless and happy around your loved one
    4. See if the person is optimistic about your collective future. If s/he doesn’t love you, s/he would not waste his/her precious time discussing a bright future with you, using collective pronouns like “we, us, our” and so on.

    If you see any of these and some other, congratulations, you are being loved.

    PS: When in love, carry your head with your heart. The heart can be dumb, but correct yourself with your head, so you don’t do silly things for love.

     

    See less
    • 1