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How to turn one source of income into Four streamyof income in 365 Days

*How To Turn Your ONE Source Of Income Into FOUR Streams of Income in 365 Days*...


If you always give excuses, please forget this post is not for you..


But, if you are a gold getter, then you need to pick your pen and paper...


Listen: This is exactly what I'm doing, I am giving you the blueprint for FREE..


STEP 1: You MUST have an income that is giving you at least 25,000 Naira a Month...the idea is to have something that can cover your data.


STEP 2: Choose one out of the following skill: 

Facebook Ad Expert

Website Design

Copywriting

Content Writing

Graphics Designing

Video creation

Sales Funnel Building

E.t.c : 

There are hundreds of the skills, just google it and find the one that best fit you..


STEP 3: Dedicate 2 hours every day to learn that particular skill on youtube For 1 Month while you still retain your monthly Job.

No

STEP 4: Dedicate 2 hours every day to learn how to sell your skill for another 1 month: At this point you should save some money to get a course from an expert on that field with proven results.


STEP 5: Start Selling Your Skills and Making Money At Least Consistently For 2 Months..


STEP 6: Invest Part of the money you are getting from your skill into any of this business;


Information Marketing

Affiliate Marketing

E-commerce

(Any Proven Online Business)


Do this for another 2 months while still selling your skill as a service..


Note: You Already Have 2 Streams Of Income; at this point you can leave your 9-5 Job.


STEP 7: Invest some part of the money you are getting from your two Streams of income into:


Bitcoin

Real Estate 

Buying Shares

Stock

Or any form of legit Investment


Note: Allow Your Invest to grow for at least 4 months


STEP 8: Invest into a physical business: for example


Agriculture

Building Houses For Rent

Transportation Business..


Note: At this point you already have 4 Streams of income in the space of 1 year..


Does it make sense to you?


If you are doubting me, start today...


And proof me wrong..


Would there be challenges?


Ofcourse..


But you go surely overcome.


P.S: You need ONLY one Virtue to succeed with this plan...i.e CONSISTENCE..


Hope you going to use this tips right from today.


Learn more here

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Coming up with and selling a product is likely something everyone has dreamed of at one stage or another. After all, being this kind of entrepreneur is definitely a career that is desirable. However, it is something that is very difficult to achieve. If everyone’s product ideas sold well, chances are there wouldn’t be enough shelf or warehouse space to store them all. It takes a really good idea to make a profit in this world. However, that doesn’t mean that you shouldn’t try. If the product you have come up with isn’t selling, here are some things that you can do to try and fix that problem.

Try to Identify the Problem

First of all, you are going to want to try and identify the problem. Why is your product not selling? For some products, it could be as simple as a cosmetic reason. Your product could work great and do the job that is intended for it.

This doesn’t necessarily have to be the issue, however. The reason your product is not selling could be more down to practical or costing reasons. 

Change the Seller

Sometimes, the seller and the product just don’t match. This might be through no fault of your own. Under a different seller, your product could be widely popular. 

Switch up the Marketing

In some instances, there is no problem with the product or the seller. Sometimes, there just aren’t enough eyes drawn to your product.

Move on

There are going to be cases where products just don’t work. The demand might not be there, or the product might be flawed. However, this doesn’t mean you should give up on your dream.

 

To read the full article visit: Tech Blog Insider

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Somtochukwu Ezeaniomenyi is the Chief Executive officer, CEO, Som-Tee Group, a multilateral cleaning company in Anambra state. He is a young and dynamic Nigerian entrepreneur currently making waves in industrial cleaning business. Born to Igbo parents of Neni extraction in Anambra state,  Somto, in this interview with LAWRENCE NWIMO x-rayed his experiences in the female dominated cleaning business and what triggered his passion to be an entrepreneur. He also spoke on the draw-backs hindering business and what government must do to help young entrepreneurs in the state and country. Excerpts:

 

May we meet you?

My name is Somtochukwu Ezeaniomenyi. I'm a native of Umuabani Village, Neni in Anaocha Local Government Area Anambra State. I am the Managing Director of Som-Tee Cleaning Services Ltd.

 

How was your childhood days and family experience?


My growing up was fun. Though I was not born with a silver spoon, it was not too tough because I am the sixth child out of seven and the second boy out of three so I had siblings that are older, though there were ups and down, you know. I didn't grow up in a first-class family and because of that, it was a tough fight, trying to make it through the primary, secondary and then tertiary institutions.

What was your childhood dream?

My childhood dream was to become an engineer but later switched my desire to becoming a lawyer.

Now, you are neither an engineer nor a lawyer, what happened to the both?

Well. Like I said, when I was growing up, actually, my first dream was to become an engineer because I loved constructing and repairing things. But that dream was shattered in my secondary school because I was bad in physics - so, I switched from Science to an Art class and my interest shifted from being and engineer to a lawyer because I felt I was very good in arguments. I never saw me becoming a professional cleaner or establishing a company for business, laughs.


What drove you into Professional Cleaning?

I started cleaning job immediately after my secondary education. Within the one year I stayed at home waiting for admission; I had a friend of my sister that was into industrial cleaning then. My sister linked me up to him and I was working for him as a laborer; that was in 2014 and I was being paid one thousand naira (N1,000) per day because I did more of the menial jobs. The nature of the job was tough for me at that time. Again, it needed strong hands but I devoted my time with him to learning the craft. I worked for him for ten days before he suddenly stopped calling me for works after he noticed that I was gradually learning the craft indirectly. As a result, each time I called my colleagues to know how far, they would say they went for work. Then when I ask my Oga, he would say ‘work no dey.’

What happened later?

In December 2014, a friend of mine whose uncle just finished building a house, convinced me to go and meet his uncle for the job. I had wanted to link the man to my boss because I was scared to take up the job myself. After much persuasion, I later took up the courage to do the job myself with the little knowledge I gathered while working with my former boss and the rest was history. That was the first contract I got in the cleaning industry and it happened to be the turning point of my life because from that day onwards, God made a way for me. As a matter of fact we have done over 600 cleaning Jobs and have worked for varieties of companies and individuals over the years.

Have you encountered any challenge along the line?

There were many challenges. One of our major challenges was Finance. There was no machine which made the work so hard for me and my Team. We were doing most of the jobs manually. it was so hard purchasing working equipments because I always rely on a job to purchase the materials needed. However, I don’t have a vehicle so I made use of the commercials; it was so hard to transport our working equipments to some locations. Due to some bad road networks in the state, some of our client’s locations are difficult to access. Again, most people in Anambra especially Onitsha where I started perceived cleaning as an ordinary work that can be done by anybody, this has resulted to many rejections from contractors and house owners, but so far we are trying to change the narrative. Also, after I gained admission to study at Federal College Of Education (Technical), Umunze in 2015, I was in constant battle, trying to combine work with Education. You know, my Education usually take all of January to September so, I usually face the heat period of ember months as cover-up for lost times.

Did you envisage continuing the work after school?

No. I wasn't serious with the job in any way because I didn’t see myself continuing with it after school. It was more of part time or casual work.

Were there other things you did to survive in school within the January to September months?

Yes. I could remember I sold face caps and shirts around 2016/17. That aside, I was into interior decorations. I decorate people's house; paintings and the rest. I was also doing some menial labours like job man, site work and even served masons. In 2018, I learnt how to do Sharwama and also ventured into doing that too. I did Hypeman job in clubs too. I was doing anything legal called work and I did all these to survive.

Why did you decide to go into cleaning having been exposed to these numerous jobs?

Well, when I finished my NCE program in 2018, I asked myself: what next? Because I realized I needed something to sustain myself. The works I do then had all been part time and among them all, it was cleaning that gives me the profit to believe in. I found out it is something I do with passion. Cleaning work doesn't come always but when it comes, I take it with love. So, after graduation, I continued with it and was only keen to develop it. At a point, I started surfing the web on industrial cleaning and noticed that it is one of the biggest industries in the world. I noticed it was not too conversant in Anambra state then, I decided to carve a niche for myself in the area.

At what point did you decide to have a Som-Tee as a brand?

In 2020 during the lockdown season, the vision was to build a standard company and not just a one man company in cleaning industry. That’s why I’m building it as a company; a brand in the industry that would be running even in my absence. I did not want the legacies I had set over the years to just die off. So, I had to set it up to a standard with vision of where we are going to.
 

Cleaning is a female-dominated field. How does it feel competing with women?

It has not been an easy task. In fact, you can count the number of men in this industry. Sometimes, you find out that site owners have sisters and female friends that do the cleanings for them. However, what has kept me going is excellence. Because it is usually my clients that recommend me to other clients and it is due to our job quality. Over the years, I have found refuge in recommendations. Most of the big jobs we have done so far were gotten from recommendations and referrals and it is due to the excellence in my work.
 

Are there times you felt like leaving the industry considering its competitiveness?

Of course! There were times I wanted to give up on the industry. It is very competitive and demanding. People outside might not really know these but it is we that are into it that know the level of competition here. You can see people that just started cleaning business yesterday and today, they have all the machines available and you’re still struggling. So sometimes, especially at the initial stage, when the needed finance was not there to acquire certain machines, I felt like dropping back.

Why do you refer your company as a conglomerate?

Som-Tee Group is a conglomerate because we are designed to deal in Everything Cleaning. Som-Tee specializes in all kinds of cleaning ranging from:

1. Domestic/Residential Cleaning which includes Regular Cleaning, Deep Cleaning, Janitorial Cleaning, Carpet and Upholstery Cleaning, Polishing of Tiles and Bricks.

2. Industrial/Commercial Cleaning which includes Post-Construction/Renovation Cleaning, Facility Management/Maintenance, Retainership Services, Training/Mentorship and General Consulting/Contracting.

3. Environmental Cleaning which includes Waste Management and Disposal, Estate/Street Cleaning, Drainage and Sewage cleaning, etc

4. We also have plans of Venturing into Production of Cleaning Substance and also Sales of Cleaning Equipments and Materials. Laundry Hubs, Car Wash are also in the pipeline.

So Som-Tee Group is a Specialized Conglomerate of Everything Cleaning, We are building a company that would be a sort out company when it comes to Cleaning.

What stands your brand out from others?

We offer credibility and excellence. Like I told you before, what has kept us so far over the years is excellence. Our staff works with passion because they see the passion in me. I didn't start cleaning because of the money I was making but the passion I have for it. So, excellence is the watchword and any house we are called to clean, we clean it like our life depends on it.

You established the company even before you graduated from the university, what was the secret behind the feat?

It was Grace from God. I wouldn't have been here as a fresh graduate and an owner of such a brand without His Grace. It was not an easy journey physically but it was His Grace that kept me going. I finished my NCE in 2018, and by 2019, God made this company even grew bigger. In the process of my Degree Education, being able to combine it was a very rough and risky journey but His Grace was there to see me through.

Would you consider going into other sectors if given the opportunity?

Well. Like I said earlier, Som-Tee Group is a conglomerate. We are working towards branching into so many things. We are working towards production of different cleaning materials, sales of cleaning equipments; importation of different kinds of machines for cleaning, procurement services and lots more. Our vision is to build a standout company that can handle anything cleaningIf any opportunity comes aside these; I can grab it as well.

So far, could you name your biggest achievement(s)?

My biggest achievement, so far, is being able to run this company for the past seven years.Som- Tee at seven, many things happened. Building this business up to this level and handling over five hundred jobs alongside going through school and acquiring Two Certificates in Education. That has been the biggest achievement of my life so far.

How many jobs have you been able to create through your conglomerate?

My company has been able to create no fewer than 50 jobs for youths in Anambra state. Both Fulltime and part time.

Where do you see your brand in the next five years?

We should be among the top class cleaning conglomerates in Nigeria because we would be all round in the cleaning industry including environmental, commercial, residential and domestic cleaning. We would also be all round in supplies of cleaning machines and products. So, in the next five years, expect Som-Tee Group to operate beyond the shores of Nigeria by the grace of God.

How well do you think Anambra government has done in creating business opportunities and what is interesting about Anambra man?

Anambra state has done well in all ramifications, such as natural resources, oil and gas, urbanization and structural planning, culture and tourism, religion, education, entertainment, business and politics. Anambra state has improved drastically in all of these sectors over the years. Anambra State has list of notable men and women both old and young in all sectors both in within and outside Nigeria. The people of Anambra are known for being Industrious, hard working and Smart. Despite some challenges they face when it comes to governmental structures and policies, People of Anambra are known for their resilience. They have shown great courage in striving to survive no matter the Economic Situation in the Country. Being Onye Anambra is something one should be very proud of. The people of Anambra are known for their resourcefulness and they are associated with Success and progress Regardless of the conditions surrounding their environment. I am proud of being Onye Anambra.

What triggered your passion to be an entrepreneur and how viable is doing business in Anambra?

To many youths in Nigeria, becoming an entrepreneur might seem like a scary and high risk taking journey, but to me, this unpredictable adventure seems like the perfect path that my life should take. There are many reasons that triggered my passion to be an entrepreneur. I have always admired great and Successful entrepreneurs. Seeing successful people inspire me a lot to become successful. This gives me the hope and makes me believe that becoming an entrepreneur will allow me to network with people who have already built great businesses. I believe that I have enough potential to find the next profitable idea and change the lives of millions of people.

Being an entrepreneur gives me the freedom to explore my creativity. There is a saying that goes thus “Different Strokes for Different Folks”. People have different callings in Life. Being a 9-5er doesn't feed my burning passion for creativity and innovation. I feel like I am simply doing what the society expects of me instead of making a difference in the world. It is through starting my own business that I get to freely express my creative ideas and fulfill my dreams. I became an entrepreneur because I see it as a mandatory journey to take. A strong fire in my heart makes me believe that I have a strong purpose in the world that surpasses the reality of being an employee. As an entrepreneur, I am driven with the need to succeed and control my own destiny. Owning a business gives me no limitations on the profit and opportunities that I can gain.

I look out to manage projects with high stakes because I have enough confidence to execute them. I love the act of betting on an idea and watching it develops, it makes me smile. I have always wanted to use my company to impact people’s lives and also improve the economy with new job opportunities. I am passionate about helping people more than the pursuit of material things, I derive priceless joy when I offer my service to people and see the happiness and joy it creates in them. That is even more than any reward I can get from a Job.

How viable is doing business in Anambra?

Anambra State is one of the fastest growing states in the country. Like many other states in the country, Anambra state is faced with its own unique challenges. However, due to its fast growing economy, doing business in Anambra is rewarding and Profitable. Doing business in Anambra is very promising and I believe that with persistence, perseverance and Consistency which entrepreneurship requires, I will definitely succeed in an economic driven state like Anambra.

Being someone that started from the scratch, would you say government is fair to the youths?

Well. I would say government has been fair to some extent but there are still rooms for improvement. Government still needs to empower the youths because if they are empowered, they would do more. We have lots of youths doing many things. We have youths with visions. If they are empowered with loans and grants, in the next few years, there would be powerful indigenous companies in Anambra state. Again, when youths are empowered, it would reduce the burden of employment on the government.

Aside loans and grants, do you think there are other things youths need to be successful entrepreneurs?

Yes. Youths need to plan. A youth will succeed when he plans himself very well. You must have a mapped out business plan consisting target audience and areas. When you plan yourself very well, work towards it. Have team members on the edge working and doing their specific duties from their own angles. Though there might be setbacks along the way but if you do your risk management very well, you would be able to cope. But you must plan first.


You are a man of diverse skills, you hold TRCN, NCE and B.Ed certificates, and do you see yourself becoming a teacher someday?

Well. I don't know what God has in stock for me but I always hope for the best. I wouldn't say I will not accept it if the opportunity to lecture or teach comes but it would all depends on the condition attached to it. I acquired the certificate quite alright and so if I am meant to practice it, it’s on God.


Would you consider using the skills you acquired as a teacher in training youths on industrial cleaning?

Sorry I didn't mention it earlier. Part of the conglomerate is Som-Tee Training Academy, where all our newly recruited staff is given sound training. Soon we would be organizing seminars to teach people who are ready to learn the craft so as to establish their own company in the future.


Are you single?

Yea! I'm still single.


How do you cope with female admirers?

It is a big challenge anyway but God remains God. I have been in series of relationship in the past but now I'm working on myself and my future. I want to develop myself before thinking anything about relationship again.

Do you have role model(s)?

Yea! My number one role model is Dr. Stanley Uzochukwu, the CEO of Stanel Group. He is my Boss, Father, Mentor and my overall Chairman. Ever since I met him, my vision has widened. I also have the likes of Arc. Chukky Ezenwa, CEO GSS Group, Tony Elumelu,CEO Heir Holdings, Dr Cosmas Maduka, CEO Coscharis Group, and lots more. They are the people I look up to and wish to become like someday.


What is your advice to the youths who may want to toe your path?

In as much as they go to formal schools, every youth should learn a skill no matter how small it is. Having a skill is more or less a second plan. There are skills in writing, producing and even in the tech world. There are many skills that can be acquired in the tech world. It is good to learn and practice a skill. We should also have a vision of growing the skill to make something out of it and above all, always pray to God.

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Posted 3 Months ago · 0 Likes · 0 Comments

How to Start a business when you don't have money at All. 



  I have a good news to everyone here who want to start online or offline business here in Nigeria. No capital or experience needed. Your CV is not included also. 


  Anyone can start a money making online business - once you have this two things, your phone and connection App. 

 There are lots of business out there today, but I want to show you something different today. Do you know with no money, you can become a Consultant with a company and earn good commission has a closer, Copywriter, students, self-employed, employee, unemployed, retiree etc. 

  

  If you are looking for a way to invest your savings, why not consider real estate. There are many ways you can earn from real estate industry, has this business is very lucrative in Nigeria. 


  You don't need any CV or experience before you start this business, because am going to give any interested member an free ebooks that explain step by step on how to do them. 


  Become a real estate agent and consultant and earn big, this can be part- time or full- time, online or offline. 


Now, what is real estate? 


  Real estate is property comprises of land or rent house and any structures or natural resources on it, including water bodies and mineral deposit. 


How does it work and become a member

  This is simple and it totally free. What you got to do is to follow this process, then you're a member of the family and you start getting paid daily, weekly and monthly. 


  Step 1: use this link to register has a member 

  
 

Step 2: send a message to  and you get the ebook training for free.


 Step 3: Read the training materials from cover to cover, start from scratch to finish. For question send it also to the email. 


Step4: Check your portal, once you register ( you're now a real estate agent partners with over 37 real estate network in Nigeria. 


Step 5: Contact us, to be added to the real estate Consultant group ( this group is only for members) 


Step 6: Check the Ebook sent to you and choose your product. 


Step 7: Start marketing and selling the real estate properties in the company portfolio by using all knowledge in the Ebook.  ( you will also Learn other vital information in the E-BOOK.) 


  The joy you'll have once you join this company is just wonderful. Your earning is unlimited has you get paid daily according to your sale you make. You earn once you make sale each day. 


  With all this training course giving to you for free, you are good to go and start making millions every months. 



 So what are you still waiting for?  


  

Congratulations, you just start a business with no money and earn at the comfort zone of your home




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Posted 3 Months ago · 0 Likes · 0 Comments

  *5 Tips for passive income*

*How to Become unshakable in any filed.*


Wahoo! Passive income is the real money,when we are talking about passive income, we're not just talking about Money but real money.


  Passive income is the money you earn from your assets after building it for a while. There are 3 kinds of income which are.


1. *Earned income:* This income goes to the employees. Exchanging time for money and at the end of the month,you get paid for your time spent.


2. *Portfolio income:* This is the income you earn by selling a product that cost more than you buy it. If I buy a bag of Cement for 3k and I sold it for 5k that portfolio income.


3. *Passive income is called Cashflow*


Let talk on 5 tips for passive income.




*Tips#1: The best time for you to invest is during a crash.*

If you really want to know the value of a practical assets,go ahead and price it when the economy is on crisis.1$ is now #500.invest on blockchain system because cryptocurrency is taking place now and it as value.


*Tips #2:The safest and securest investment you can make is on index funds.*

For those of you who don't know Tony Robbin,he is an Advisor,welI, I know nothing about shock market, mutual fund, treasury bill,forex trading.But still,I know the best investment you can make is to invest into an industry which is secure and safe.Company like Network Marketing,Real estate, Affiliate marketing, Digital marketing.


*Tips#3:You don't need a lot of money to be wealthy,you need time.*

Time is money and your time is valuable.Time to develop the skills you have learn, time to build your business,time to focus on high value activity.The day I knew that time is money,that was when I realize have lost thousands of dollars online.


*Tips#4:Your financial broker will make you broker.*

Someone who teach you wrong will lead you wrong and he who teaches you right lead you right.


*Tip#5:Don't invest Emotionally in your financial investment.*


 Not because you need money,you join a company,but to impact people life. I teach,I coach and I build. I don't do it for the money Emotionally. But I discipline myself by reading, teaching and by helping others. Don't do a business only for the money if you want to earn passive income for life.

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Posted 3 Months ago · 0 Likes · 0 Comments

*Money Mistake 1* 

Never borrow money that accrues interest to start a business . That is to say, never borrow money to start a business expecting that the business will generate income to pay back the borrowed money plus the interest.


*Money Mistake 2* 

Never spend money you haven't received. Don't even promise someone money based on a promise you have from someone else. If someone tells you: "Ezra, come to my office tomorrow at 9am and pick #30K"don't go out to buy items on credit based on this promise, with the hope that you will pay off your creditor when the promised money comes; it may not come as promised and this will leave you in problems with your creditors.


*Money Mistakes 3*

If you want to save, whenever you receive money, don’t start spending hoping that you’ll save what remains. Normally what remains is zero because as long as money to spend is available, the numerous things you can spend it on are also available. And things to spend on even incite their 'relatives' so that you spend even more than you had planned. When money to spend is not available, we naturally find a way of doing without it. That's why I've learnt to save with an INVESTMENT CLUB. Once I send money there I assume I no longer have it. Before you spend any money, put your savings aside then spend what is left after saving.


*Money Mistake 4*

When you get an opportunity to meet a very wealthy person, never ask for money. Ask for ideas on how to make money. They may even choose to give you money on their own after seeing that your ideas are great, but let getting money from them never be your objective.


*Money Mistake 5* 

Keeping your seed instead of planting it. Many people stop at saving. It's very, very difficult to save and have all you need to maintain your lifestyle especially after retirement. When you save, your savings are seed; plant it. When you just keep the seed (saving money) some seeds begin to die (eaten by inflation and the like). That's why I recommend that you read about the different types of investment vehicles you can use to grow your savings. I am not necessarily talking about putting the money in a business, because you can easily lose money in  business. I am talking about putting it in an investment.


*Money Mistake 6*

Never lend someone money you are not willing to lose. By the time you lend someone money, be contented in your heart that should the person fail to pay, you will not die. You should not even lose that person's friendship if they fail to repay the money you lent them. If you feel the person might fail to pay you and this will not affect your relationship with them, then lend them money. If their failure to pay would make you hate this person’s entire clan, please advise the person to go to the bank.


*Money Mistake 7* 

Never append your signature to guarantee someone on a financial matter if you are not willing or able to pay the money on their behalf. Do I have to explain that one? No, it's self-explanatory.


*Money Mistake 8*

Avoid keeping money you don't intend to use in the short-term within easy reach. For instance, don’t walk with #100K in your pocket when all you plan to do in a day costs #20K. Like I mentioned in Money Mistake 3, there are always expenses available to gobble any money that is within reach, so if you don't want to lose it, put it away in a safe place.


*Money Mistake 9*

Avoid keeping money in inappropriate places e.g. in socks, under the pillow, in a pit, in the sitting room, in the bra, in a travel bag that you will place somewhere in a bus ... impulse buying is a devil that will keep you busy!


*Money Mistake 10*

Spending money on an item that you can do without (at least for the time being). These days when I pick money from my pocket or wallet, before paying for something I ask myself: What would happen if I didn’t buy this? If I find I can live with the consequences of not having that thing, I smile and walk away.


*Money Mistake 11* 

Paying an amount for something that's not the minimum you can get that same value for. In other words, if you are along east Legon road and you pay #5K for a shoe that you can get at #3K at Makola  market, that's a money mistake except for those who have achieved financial freedom.


*Money Mistake 12:* 

Consistently spending all you earn or more than you earn. It's like having a drum where you have an inlet that's smaller than the outlet. It will never get full. And should the inlet ever reduce significantly the drum will run dry. If you do it the other way round and the inlet is bigger, it will get full and even overflow. Hence, we have to always ensure we are widening the inlet while narrowing the outlet – all the time. Your side hustle comes in handy!


*Money Mistake 13:*

Thinking about short-term only and forgetting about long-term or thinking about the long-term and forgetting about the short-term. For instance, Lydia was told that there's money in land. She saved money over a long period of time and bought 30 acres of land. Now she has the land but she is always broke. She is always complaining. She's disgruntled and she doesn't seem to see herself earning from the land in the near future. Now, let's ask ourselves: Having 30 acres of land and no money to feed your family or take a child to hospital, is that wealth or poverty? I think Lydia only looked at long-term needs and forgot that she has short-term needs that require money. What of those who find they are one paycheck away from salary? Are they thinking about the long-term needs?


Let’s take stock of our finances. How many mistakes are you guilty of? Do you now feel better-equipped to do better with these tips? Good luck, savers! Share this knowledge with your friends because it will not benefit you if you are selfish with it. 


God bless you as you work on your financial prudency.

Do you want to connect with me, check here.

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Posted 3 Months ago · 0 Likes · 0 Comments

*Money Mistake 1* 

Never borrow money that accrues interest to start a business . That is to say, never borrow money to start a business expecting that the business will generate income to pay back the borrowed money plus the interest.


*Money Mistake 2* 

Never spend money you haven't received. Don't even promise someone money based on a promise you have from someone else. If someone tells you: "Ezra, come to my office tomorrow at 9am and pick #30K"don't go out to buy items on credit based on this promise, with the hope that you will pay off your creditor when the promised money comes; it may not come as promised and this will leave you in problems with your creditors.


*Money Mistakes 3*

If you want to save, whenever you receive money, don’t start spending hoping that you’ll save what remains. Normally what remains is zero because as long as money to spend is available, the numerous things you can spend it on are also available. And things to spend on even incite their 'relatives' so that you spend even more than you had planned. When money to spend is not available, we naturally find a way of doing without it. That's why I've learnt to save with an INVESTMENT CLUB. Once I send money there I assume I no longer have it. Before you spend any money, put your savings aside then spend what is left after saving.


*Money Mistake 4*

When you get an opportunity to meet a very wealthy person, never ask for money. Ask for ideas on how to make money. They may even choose to give you money on their own after seeing that your ideas are great, but let getting money from them never be your objective.


*Money Mistake 5* 

Keeping your seed instead of planting it. Many people stop at saving. It's very, very difficult to save and have all you need to maintain your lifestyle especially after retirement. When you save, your savings are seed; plant it. When you just keep the seed (saving money) some seeds begin to die (eaten by inflation and the like). That's why I recommend that you read about the different types of investment vehicles you can use to grow your savings. I am not necessarily talking about putting the money in a business, because you can easily lose money in  business. I am talking about putting it in an investment.


*Money Mistake 6*

Never lend someone money you are not willing to lose. By the time you lend someone money, be contented in your heart that should the person fail to pay, you will not die. You should not even lose that person's friendship if they fail to repay the money you lent them. If you feel the person might fail to pay you and this will not affect your relationship with them, then lend them money. If their failure to pay would make you hate this person’s entire clan, please advise the person to go to the bank.


*Money Mistake 7* 

Never append your signature to guarantee someone on a financial matter if you are not willing or able to pay the money on their behalf. Do I have to explain that one? No, it's self-explanatory.


*Money Mistake 8*

Avoid keeping money you don't intend to use in the short-term within easy reach. For instance, don’t walk with #100K in your pocket when all you plan to do in a day costs #20K. Like I mentioned in Money Mistake 3, there are always expenses available to gobble any money that is within reach, so if you don't want to lose it, put it away in a safe place.


*Money Mistake 9*

Avoid keeping money in inappropriate places e.g. in socks, under the pillow, in a pit, in the sitting room, in the bra, in a travel bag that you will place somewhere in a bus ... impulse buying is a devil that will keep you busy!


*Money Mistake 10*

Spending money on an item that you can do without (at least for the time being). These days when I pick money from my pocket or wallet, before paying for something I ask myself: What would happen if I didn’t buy this? If I find I can live with the consequences of not having that thing, I smile and walk away.


*Money Mistake 11* 

Paying an amount for something that's not the minimum you can get that same value for. In other words, if you are along east Legon road and you pay #5K for a shoe that you can get at #3K at Makola  market, that's a money mistake except for those who have achieved financial freedom.


*Money Mistake 12:* 

Consistently spending all you earn or more than you earn. It's like having a drum where you have an inlet that's smaller than the outlet. It will never get full. And should the inlet ever reduce significantly the drum will run dry. If you do it the other way round and the inlet is bigger, it will get full and even overflow. Hence, we have to always ensure we are widening the inlet while narrowing the outlet – all the time. Your side hustle comes in handy!


*Money Mistake 13:*

Thinking about short-term only and forgetting about long-term or thinking about the long-term and forgetting about the short-term. For instance, Lydia was told that there's money in land. She saved money over a long period of time and bought 30 acres of land. Now she has the land but she is always broke. She is always complaining. She's disgruntled and she doesn't seem to see herself earning from the land in the near future. Now, let's ask ourselves: Having 30 acres of land and no money to feed your family or take a child to hospital, is that wealth or poverty? I think Lydia only looked at long-term needs and forgot that she has short-term needs that require money. What of those who find they are one paycheck away from salary? Are they thinking about the long-term needs?


Let’s take stock of our finances. How many mistakes are you guilty of? Do you now feel better-equipped to do better with these tips? Good luck, savers! Share this knowledge with your friends because it will not benefit you if you are selfish with it. 


God bless you as you work on your financial prudency.

Do you want to connect with me, check here.

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EDITOR'S NOTE:


One can manifest, celebrate or even reciprocate love throughout the 365 days in a year, but it is always nice to do something extraordinary to specially celebrate his or her inamorato on such a special day as the Valentine’s Day, marked globally on 14th February every year. 

Again, buying/giving items like ice cream, chocolates, flowers, jewelries, clothes and other kinds of gifts on such a special Day is also good; however, written words appear to be more special, enduring and memorable than them all.

It is in agreement with the above, that a group of fervent bards, 23 in number, decided to wear this year's Valentine's Day a colourful and poetic garb. This they did, by weaving and sequentially donating some stanzas and lines of carefully crafted words under a single title of “LOVE NWANTỊNTỊ”, in response to an online ‘Call for Stanzas’.

Compiled and edited by Izunna Okafor, this Special Valentine Poetry Collection, also known as World's Longest Love Poem was started in 2019, and is currently in its fourth edition this year, 2022.

It is the collation and editing of these beautiful lines and stanzas from these dexterous writers that gave birth to this masterpiece, ‘Love Nwantịntị’, in which they also explore the theme of a true and mellifluous love, vis-a-vis the Valentine's Day.

They write:


LOVE NWANTỊNTỊ


Stronger than real men

Uncountable as women

Is my true love for you

Love too blue to construe

Love nwantịntị


Deeply rooted beneath the earth

And watered from above the earth

With strands full of fun

Enabling it survive the sun

Love nwantịntị.


Greater than mere words

Truer than any thought

Is your love for me

Love nwantịntị

Nothing can describe this.


Embracing my flaws, and fills

These pores with such bliss

As a freshly breathed mint

Love nwantịntị

Let this be everlasting.


The sky strides red -

Red is a color of love -

Of the sun, setting on

the rivers, I met your love

Love nwantinti


Your love— web tangled with a needle, 

to mend my heart and soul.


This is the love song you yearn to hear.


I will sing it to you

As long as our love lasts

I pray no intruder will alert

To me our bond is beyond death.


If not for anything at least 

i have chiselled your name

at the walls of my heart

eternity with inks of red roses.


Beyond death is the bond 

Only love nwantịntị brings

To them that love simply

Innocently, selflessly,

And those that abhor rituals

Cultism, gangsterism 

And evil means to impress!

Write me love notes, 

Give me flowers laced with love 

And you're my Val

Forever!


Memories...


I was shivering

Holding the debris of my heart

When you watered my soul.


You came to me

A lonely, thirsty soul 

When my nerves dried of sun


The memories of our love

Is such a book I'll never cease to write

Even in the absence of my soul


The memories of 

Our challenges are like a rod

In a pillar

Straight as a ruler


Our union a miracle

Our love a model

Our understanding a dream

Our growth a circle that evolves freshness


At first, I was an old boy

Kissing the heart of nights.

But you dawned on me

Like the sun of a dream.


Let's metamorphose

Into the greenness of eternity.

Together, we will mushroom

Love nwantịntị


Let's transmute union while,

gulping the liquor as my companion, spying the future in oneness.


It tingles me like ice on a bare body

To my void sing the lyrics of passion let the wall of my heart echo.


Your thoughts and the desire for your endearment 

powered my weakened legs 

to seek solace in a safe haven

where you and I can muse together in the cuddling ecstasy of ravenous joy.


Let's go riding on the crest of joy

Once more this mo(o)nday

See again the fishlets of love

Swim within the pool of heart.

Dear, the earth is ours

And its fullness is your face

When smile x-rays as moonglow

Firm-flesh supple your skin in my palms

The world is ours alone to own.


The thought of you reinvigorates my heart

Sending shivers down my spine

Your mammary gland as succulent as a ripe pawpaw ready for harvest

The desire to grab you in my warm embrace intensifies by the day.


Open the door of your heart my love

Let me take you to my love garden

Make me your Romeo

And our sweet loving romance would know no bounds.

Love nwantịntị.


Your stares and fixtures

Remind me of a fairy hallucination

Our souls were interchanged

Each painted in same colour of affection

Wonders! and Wonders! of the mind.


You thrust in me a spear of intimacy

I'll always stand by you

To lend and to mend

Trimming our individual excesses

To leave each other better than we met.


You are the miracle that walks me

upon the sea of love

Your face has become mural paintings

on the walls of my heart


Thoughts of you punctuate my activities,

like the distant song of the lyrebird

I have become your match, and yet, your candle


Let this light be a lantern to illuminate our faces,

an aisle to walk upon.

You have become a matchbox,

If you strike, only I'll burn into ashes...


Your love falling and pouring

Like the morning dew 

Cooling my scorched soul

Long dried by the 

harmattan sun.


Now, our love is better and yielding

Like a tree planted

by the river side

Which flourishes in all season


My love, like switches you turn me on,

Like stitches, you mend my life,

Like patches, you cover my emotional holes,

Like matches, you light up my face with smiles.


Be my endless charm,

And I'll bury myself within your arms.

Take me not as you took the rest, 

And I'll be your best.


Let me feel your warm

Embrace on a cold winter night, 

Sing me a lullaby song

To lure me to sleep.


Let me be the light,

That shines

Within your heart;

When the stars are few.


My love, you're a moonflower that blooms by moonlight,

You glint like the yellow sun and your perfectly crafted facade radiates irresistible beauty.

Your perfume which scents like the lily of the valley

Saturates my soul with the undying quest to solidly stand by you.


My love, your alluring smile is the lozenge that soothes the pain of my broken soul,

Your voice piles up the holes in my heart with imperishable particles of hope.

Allow me pluck you out of your garden into mine;

For precious flowers like thee need a soul to stand with.


My love,

Your comeliness alikes a condiment,

That prettifies a mouth-watering delicacy.

Your contagious and confident smile

Is enough to melt a hardest heart.


I can't stop having the penchant

To gaze into your captivating eyes, my love.

Hence they're filled with kindness,

And literally the cutest ever seen.


I stare in awe of thy swaying features

Mind dancing to the labyrinth of thy benevolence

And...nay; the aura irresistible

Like one who rides on the sky


Oh! if thou will bid me, to grace thee a moment.

A thousand much more to be encroached I will take.

A promise to keep I make

Only if thou bidest me come hither.

Thou fairest of all.


With your cupid's bow,

You captured my heart


My warrior, my Love Nwantịntị!

Tie me with your strongest rope in your territory


Be ye mine for ever

Cuddle me with your love

Let us fete together

For it's our day, a season of love

Our ‘love is in the air’

Happy Val to you

My Love Nwantịntị.





THANK YOU FOR READING!


CONTRIBUTORS:



1. Izunna Okafor

2. Divine Ogonna

3. Paul Olayioye

4. Ahmed Aisha

5. Chisimdi George

6. John Chinaka Onyeche

7. Udo Okoronkwo-chukwu

8. Salim Yakubu Akko

9. Obiageli Ezeilo

10. Olusoji Obebe

11. Akeredolu Eniola Zion

12. Ifeanyi John Nwokeabia

13. Nket Godwin

14. Valentine Muoma

15. Nnaji Samuel Chukwuebuka

16. Kelechukwu Samuel Ojile

17. Okoro Kelechi

18. Emenike Christian Chijioke

19. Osazuwa Cynthia

20. Iheke John kelechi

21. Bard Valiant Nwokeoma (Valiant Pen)

22. Ferdinand Miracle

23. Charity Uzoagba


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