10 Reasons UBA Is Nigeria's Leading Bank.

Dear Reader, UBA (United Bank for Africa) is not just any bank. It is Nigeria's trailblazing bank that sets the trend while others follow.Do you know that:

UBA was the first among international banks to be registered under Nigerian Law in 1961?

That UBA is the first Nigerian bank to offer an IPO following its listing on the Nigerian Stock Exchange in 1971?

That UBA is the only sub – Saharan African bank (ex-RSA) with an office in the US (New York)- set up in 1984?

That UBA was the first Nigerian Bank to introduce a Cheque Guarantee Scheme known as UBACARD in 1986?

That UBA is the 1st and only Nigerian Bank to obtain a banking license in the Cayman Islands -1988?

That UBA has a GDR programme – 1998 (1st for a Nigerian Bank as a means of facilitating international investor interest)?

That UBA was the Best Domestic Bank in Nigeria (Euromoney 2000)?

That UBA is the 1st Nigerian Bank to obtain a banking license in Ghana -2004?

That UBA was the first ever successful merger in Nigerian banking history - 2005?

That UBA has received excellent credit ratings (short and long term); Global Credit Rating (SA) AA+ and A+ in 2005?

And all these are just the tip of the iceberg.

To learn more about how you can bak with this trailblazing bank go to their official website: https://www.ubagroup.com
Source:[url] https://www.ubagroup.com/group/ourachieve[/url]

Tips For Safe Online Banking

1. Avoid accessing Internet banking accounts from cyber cafes or shared PCs.

2. After you have logged in, you will not be asked to provide your username and login password again. Also, you will not be asked to provide your CREDIT or DEBIT CARD details while using internet banking. If you get a message (such as through a pop-up) asking for such information, please do not provide this information no matter how 'genuine' the page appears to be. Such pop-ups are most likely the result of malwares infecting your computer. Please take immediate steps to disinfect your device.

3. Be aware of downloading any malicious application from mobile application stores (Google Playstore, Apple App Store, Blackberry App World, Ovi Store, Windows Marketplace etc) that are offering Online Banking. Kindly check their authenticity before downloading, by contacting your Bank.
See more here:[url] https://www.onlinesbi.com/personal/security_tips.html[/url]

Tips On How To Increase Savings This Difficult Period

Good afternoon fellow Nigerians. The economy is in troubled times and people who can really save are more likely to have it easier than people who can easily save. Below are 8 tips that will help you save more easily, and can save you financially.

1. Record your expenses. ...
2. Make a budget. ...
3. Plan on saving money. ...
4. Set savings goals. ...
5. Decide on your priorities. ...
6. Different savings and investment strategies for different goals. ...
7. Make saving money easier with automatic transfers. ...
8. Watch your savings grow.

Take Control of Your Own Financial Future

If you don't learn to manage your own money, other people will find ways to (mis)manage it for you. Some of these people may be ill-intentioned, like unscrupulous commission-based financial planners. Others may be well-meaning, but may not know what they're doing.

Instead of relying on others for advice, take charge and read a few basic books on personal finance. Once you're armed with personal finance knowledge, don't let anyone catch you off guard - whether it's a significant other that slowly siphons your bank account or friends who want you to go out and blow tons of money with them every weekend. Understanding how money works is the first step toward making your money work for you.

[url]
Read more: http://www.investopedia.com/articles/younginvestors/08/eight-tips.asp[/url]

Don’t do something you love. Do something other people will love you for doing. Very few people earn a living doing something they truly love. But many successful people love what they do because other people value them for doing it.

http://www.pragcap.com/the-only-basic-financial-advice-youll-ever-need/

motocamara:
Tips On How To Increase Savings This Difficult Period

Good afternoon fellow Nigerians. The economy is in troubled times and people who can really save are more likely to have it easier than people who can easily save. Below are 8 tips that will help you save more easily, and can save you financially.

1. Record your expenses. ...
2. Make a budget. ...
3. Plan on saving money. ...
4. Set savings goals. ...
5. Decide on your priorities. ...
6. Different savings and investment strategies for different goals. ...
7. Make saving money easier with automatic transfers. ...
8. Watch your savings grow.

Are u their employee?

With As Little As N2,500, You Can Get Govt. Land For Farming

Quoting the latest statistics from the National Bureau of Statistics, the Governor of the Central Bank of Nigeria, Sanusi Lamido Sanusi said the nation's unemployment rate has doubled in the last five years to hit the red-button zone.

Sanusi said: “Unemployment rate in 2011 was 29.3 per cent. This means that it has doubled since the last five years. Unemployment in Yobe is 60.6 per cent; Kano is 67 per cent, which explains why a trip to Kano introduces you to a sea of loafers, without work”.

In Nigeria, the unemployment rate measures the number of people actively looking for a job as a percentage of the labour force.

Yet, despite this nasty statistic, there exists at least one million hectares of government owned farmland available for farming in remote villages across Nigeria.

These plots of farmland are already being given out to local and foreign investors at very cheap rates. The farmland is being managed by the River Basin Development Authorities, Agricultural Development Projects (ADPs) and farm settlement schemes. They are being leased at about N1, 000 per hectare for a period of about eight months.

Mr. African-farmer Mogaji, Chief Executive Officer, Xray Farms Consulting, is one man who has benefitted from this unique opportunity for over a decade.

He says, “I changed my name from Afi-Oluwa Mogajji to African-farmer Mogajji in 2005, legally published, and it reflected in all my documents. I started my agricultural journey over 16 years ago, and I stayed in the business on a small and medium scale in 1996, with Ogun/Osun River Basin Authority operating in Lagos.

“I was growing corn and vegetables (Ewedu and the likes). I had also stepped into bee keeping in year 2000, when I won NYSC Award for introducing bee keeping into Jigawa State and funding it successfully. Then in 2002, I farmed quite extensively, using the Ogun/Osun project in five states. I have used land as much as 250 acres”.

He adds that virtually all states in the federation have lands cleared for farming, and that majority of the lands are owned by the Federal Government and some by state and local governments.



Mogaji says, “These lands can be utilized by anyone - whether foreigners or Nigerians, because they are not being used, so the (River Basin) management embraces whoever shows up. Payment is by ‘Pay As You Go’, like using telephone recharge cards.

“Many Nigerians do not even know these lands are available, and when they do they are not keen on doing businesses in such remote places.”

Process Of Getting The Land

Mogaji says, “You just need to get there, tell them you want land – there are cleared areas, and if the area you want has not been occupied, you pay your money. They ask you what you want to plant, you fill a form; and if it is not late in the day, they take you to the land, and that is the end, after issuing a receipt to you”.

Mr. Abiodun Olorundero, Director, Abiodun Farms, Lagos and Oke-Odan, Ogun State, is another beneficiary of the scheme. He says, “Getting the land is a very simple process. What I did was that I headed straight to the Ogun/Osun River Basin in Abeokuta; from there I was told that there are two major sites in the state – one at Oke-Odan and the other in Mokoloki. Then, I had to choose Oke-Odan, because it was closer to me. I got there, met the project manager, and asked him one or two questions about getting the land; and I got my allocation, with a token of N2,500 for one hectare – which is 2½ acres.”

Mr. Seun Onamade, another farmer under the scheme says, “Just meet the man in charge in the person of Mr. Aare in Itiokin Farm Settlement. You have to notify him on what you want, because they have different areas for planting different crops. It just depends on what you want to plant. Further procedure is that you are charged N2,500 per hectare, and for harrowing and ploughing. Ploughing is the first stage, which entails clearing the land. For these extra works, you pay N5,000 for 20 litres of diesel per hectare, mainly for fueling the tractors. Though, if you can provide the diesel yourself, it is ok. The joy of it is that you can get the lands just a day after going through the process”.

Where are the lands?

Mogaji adds, “There are project sites in different states. In Lagos State, we have the project sites (about 500 acres), in Ogun State, they have in four locations, and in each of the locations, they have 100, 250, 300 acres and so on. They have in Oyo State, which is very large in four or five locations, with as much as 5,000 acres. They also have in Osun State, with 800 Acres. They have it in different states like that, so you choose which one is closest to you, or the one you like, based on what you want to do. For instance, I moved to Iseyin from Lagos; because Lagos was getting too choked up for me, and I was able to use 250 acres. From there, I moved to Sepeteri – I have been moving”.

Requirements To Meet

Mogaji says there are no requirements. “Though, they will ask you if you have farmed before, they are not concerned with that, you want land and they will give you. So, it is as simple as that. The usage of the land depends on the available spot per time. Your payment is renewable, so as long as you are really utilizing the land, you may be allowed to use the land for 40 years provided you are paying yearly, if not they will allocate it to someone else – you can’t just hold the land without using it”, he says.

Olorundero says, “There are no serious requirements like that. Basically, because of the high demand for land around here, you might not get allocation for more than one or two hectares of land for a start, and you must strictly plant annual crops such as cucumber, tomatoes, maize, cassava, among others”

Onamade says, “All you need to do is show seriousness and your genuineness. They need to notice that in you, before allocating the land to you. There are so many people that will just come and make enquiries and go without coming back. But, with your seriousness, they will work with you. Also, their own way of doing things is that they won't want you to pay and go away - they want you as the farmer to be on ground as much as possible”.

Price Of The Land

Mogaji says, “We have one part of the land called up-land, in the high areas; for this, you have to pay N2,500. It used to be N1,000 (for over 30 years) up till early last year, before they increased it. For 2½ acres, which is equivalent to one football field – or 15 plots of land - you pay this amount for a year.

When To Plant

Mogaji says, “You can’t plant anything from October; it is basically from February or March till October. This is because it is in February you take your decision and plan; and when one or two rains fall in March, you start preparation.

Policy Change That Opened Up The Land To Private Farmers

Mogaji says, “People didn’t have money to buy bulldozers to clear the land. So, government bought and cleared these lands. Before then, the River Basin Authorities were initially producing rice, cassava and garri massively, with different equipment to fry and process cassava to fufu; thus, making sure food was readily available. But, as you know how government policies work: along the line policy changed… that they should not produce again, but face water (Irrigation). So, they introduced the policy that farmers can come in to rent those lands, while they will be providing water and all other equipment, which are on ground. Every year, they add new equipment. So, they are just providing a platform where people, or interested farmers come and they make farming easy”

Period Of Usage

He says one can use the land for 100 years (and more). “It depends on you. It doesn’t have a limit. You determine that, in the sense that: if you are not farming on it after a year, they take it from you, to be allocated to someone else. You are renting”.

Challenges

Mogaji says there are no challenges that can crop up. “In this same Nigeria that people are complaining, nothing of such has been happening on those lands, which I have been using for 16 good years in four different states – Osun, Ogun, Oyo and Lagos; and I have used four locations in three states. There is nothing like “Omo-Onile” or hoodlums called “Area boys”; rather the lands are just crying for people to use them. For instance, there was a location in Oyo State called Igbo-jaiye. It was over 4,000 hectares, about 10,000 acres all cleared, and people were farming in every corner of it. But now, 50 per cent of the land has been occupied with trees, because of non-usage. I have operated on a location in Oyo State that is about 11,000 acres. The lands are there. I asked a question in 1996, when I was about starting, and that was what triggered me. The question was, “When Awolowo, Azikwe and Tafawa Balewa died, did they take the lands along with them?” “No! Then we have agricultural revolution. It means the lands were just lying fallow”, he says.

Olorundero says, “The challenge is that if you have to engage in irrigation yourself, it is very expensive because government support is lacking. like I heard, those that did the irrigation say it cost them about N41,000. This covers the cost of renting of the land, ploughing twice and it covers the cost of irrigation for the next six months. There has never been an issue of “Area boy or Omo-Onile” disturbing or invading the land. The crops are save, no issue of theft, harassment and no violence”.

Onamade says, “Everything in life is a risk. The challenges that crop up are those associated with fluctuation in the two seasons we have - but mainly the raining season. There are times you expect rain, and it ceases. Let's take for instance, early this year when it was raining; one would say the rain should not have started... All those weather changes affect farming. But when you are working with a professional body - having someone to advise you on what to do - I think you will be exposed. The only challenge is just the weather. There is nothing like Area boys or Omo-Onile invading the government lands”.

Why Nigerians are not looking in that direction?

Mogaji says many people are discouraged because of the challenges. “You don’t blame them; the terrain is very rough. You need fertilizers, chemicals and the likes, and they may be adulterated. Adverse weather can show up and wipe the farm out and get people discouraged. Market is also part of it. There are dynamics to agriculture. You need to learn it, or hold on to someone who knows the industry, before you step into it. But it is a good industry. I have used the irrigated project site in Jigawa. It is about 20,000 Hectares, where tomatoes are grown”, he says.

Getting Farm Workers

Mogaji says, “To get Nigerian farm workers is very difficult, except for minor operations – spraying and planting. But the hard core – weeding, you don’t find them. There are lots of foreigners now that come in to do the job. They get legal papers to work yearly, and in the North where I have farmed, you have people coming from neighbouring villages during the dry season to work. So, labour is a challenge; and at the same time not a challenge – if you plan before you start it, you won’t have problem.

For instance, labour is scarce everywhere, however, when you know you are planting – during your planning, you give two weeks. Let’s say you are planting on the 10th of December, and you have been making that plan since October or November. So, you already know that planting on the 10th of December will attract the first weeding in the next two weeks. So, you have to be intimating different labour groups (labourers) that can help you”.

Olorundero says, “Farm workers are readily available. Like my house where I farm, I do get labourers around there, since they don’t go to school – all they do basically is farm work. They are waiting for you for weeding, and when it is time to spray, they are there to help you apply your fertilizer. What you need to do is to negotiate on the price, because they charge per hectare as well. I am about a year into the business with these project sites allocated by government”.

Onamade says, “There are many farm workers in this area I am talking about. So many people are on ground for weeding, spraying and other things.”

How secure is the farm?
Mogaji says, “In my sixteen years in four locations of three states, I have not heard of theft. I have been on it full time, since year 2002. It is even more secure, because the lands are allocated to different people, and at every point in time, there will be somebody on the farm. So, it is easy to identify strangers.

“Apart from that, agricultural products are bulky; you cannot, for example, go and harvest 20 baskets of tomatoes in the night with torch light. It is difficult, you have to bring a car, and you can’t harvest it alone. Even in Lagos where you expect such things, it doesn't happen, because there is always somebody on the farm - labourers or others. So, there is always movement - the security is somehow tight”.

Onamade says, “The truth is that we can say there isn't any security challenge. But there might be some little passers-by who may want to steal. But they are very few and scanty. That is not a challenge at all”.

Crops That Grow Fast
Mogaji says there are crops that mature within three months, such as green pepper, water melon, cucumber and tomatoes. “The crop we know as ‘rodo’ takes longer time, but it's a secure crop, and you can harvest it for five good months - every week or at a two week interval. I have spoken about corn and the basic vegetables - (‘ewedu’, ‘soko’, ‘tete’, okro} and other basic daily foods that we eat. These can grow on the land”

He adds, however, that different lands can accommodate different crops, depending on the location. “Take for instance Lagos type of land, which is mildly salty during the dry season. When it is raining, it neutralizes the salt. In the dry season, the saltiness, causes flower abortion.

Selling The Crops

Olorundero says, “I didn’t plant tomatoes, but I deal with cucumber, maize and cassava. For the maize, my major markets are poultry and feed mills. I would have negotiated with them after the harvest and the drying. The markets are readily there for all other crops”.

Mogaji goes on a discourse, and says, “I am a bit different, because I have burnt my hands, and so I know how not to let you burn your own hands. I will take tomatoes as a study. Everybody farms when everyone else is farming - that is a wrong mind-set. I mostly do my farming during the rainy season, when I project that there is going to be scarcity. If otherwise - not projecting that there is going to be scarcity – I plant during the dry season when 98 percent of the farmers cannot plant because there is no rain.

There is a method that you will use to plant. Take for instance, you want to plant two and half acres of tomatoes in the dry season, there is a principle {not in any University textbook used by graduates of agriculture} that local people know as the 2-2-2 principle. You divide the two and half acres into three and farm in each for two weeks. Weather will destroy one, leaving two. The second will bring more money and the third will bring the most return. So, if it affects the first and second, the third one will hit sales, because there will be scarcity of tomatoes. If you don't know these things, you just go and produce, there may be problem”.

On how he sells the crops, he says, “There is a period of the day that your product must get to the market to get the highest price, and there is a time to harvest it to make the product still fresh. These are the dynamics a lot of people don't know before they harvest. You should also be watchful as a dynamic farmer, because when the sun is shining during the dry season, crops mature at least one week. There is an art to marketing, harvesting, production, planting, and even transportation.

“Let me cite an example. There was a year I planted about 50 acres of corn with irrigation, knowing that there was no corn in the market. I used to produce in Epe, but I went to Iseyin. I produced and it was ready and I knew there was market in Lagos. The corn came out second week in January, when it should have been hot cake, but when I brought it to the market, it was another story entirely. Customers were saying I have been diabolical in producing the corn too early. They were asking, "Where will you find corn in January?" The earliest you can find corn is March. So, we had a problem with the sale. They didn't buy, and we had to allow it to dry; but it was a loss, because we used money on diesel to pump water.

“It is these same people that buy about 15 trailers, brought into the same market everyday, and it is not even enough; but this time, you brought a bus load, and they said no. These are the market dynamics which you should know before you produce or harvest. Sometimes, you need to prepare the minds of the buyer weeks before you bring in the product. We also targeted the wrong market. There is a market that if we had taken it to, they would have jumped over their heads to buy. So, there is a dynamic to it that people don't know”.

Onamade says, “I plant cucumber and water melon. Selling these crops varies, and transportation tends to be the major issue in this lucrative business. So, when your crops are ready, move them to the market you want. The major market, as far as I'm concerned in this our environment is still Mile 12.
To read the rest of this informative report go to http://successdigestonline.com/articles/view/with-as-little-as-n2500-you-can-get-govt-land-for-farming

12 Ways to Survive Hard Economic Times


1. Start Living Frugally
The first step to getting control of your money is to look at the things you purchase each week, making a list of each and every item (food, beverages, etc.), and then crossing out every thing that you could actually survive without.
If you look at your bank statement for the previous month, you may see a handful of purchases for $3 - $10 at your local gas station and convenience stores. For some of you this may easily add up to $100 - $150 per month.

"Convenience" is the drain on your wallet in this case. Stop buying food and convenience beverages on the go. Just stop. Money saved: $100 - $150.

2. Can You Bring Home More Bacon?
It's important to say early on in this article that while dwindling finances can motivate us to change a lifetime of poor spending habits, we should also consider additional ways that can start bringing in more money, residually. Did you know that a YouTube video could earn you $1,000 or more a month, with enough views? Do-It-Yourself videos are a popular draw nowadays. Your first Do-It-Yourself video may lack some luster, but in time you may finally get the formula right for creating a video that draws views and passes on compelling instruction.
Or did you know that there are a lot more opportunities to work from home, some that can apparently generate a significant income in time? Opportunities like the carbon credit business are promising. In essence, you can build a business helping companies in the modern world "go green", earning these companies tax breaks, etc. So, essentially you're a paid consultant.

Helping people receive cash advances when they are low on money and between paychecks is another way to generate income.

For those of you who spend a lot of time on social media, here's an opportunity to build a business. Fact is in a down economy there are a lot of people in need of a pay day loan (a pay day loan can be a good thing for a person without a support network in a financial crunch; use it once, maybe twice, and hopefully by then you'll have control of your spending; a pay day loan becomes a dangerous financial plague if a person becomes dependent on it). (CashAdvance.com isn't a lender. Rather, they connect you with a vast network of "reputable lenders" who compete to offer you the best possible loan option, all from the privacy of your home.)

Your first effort though should be to avoid taking on new debt. No loans. No credit lines.

So a "cash advance" is a last resort option; use it only in a time of real emergency; for example, you're about to lose your home or apartment or sole vehicle.

3. Stop Going Out
Recapping what's been said up above, you need to start thinking frugally, and should consider new ways to bring in more income.
You also need to be willing to make a few sacrifices.

For some of you, this is like the world coming to an end. But really there is life outside of the social scene, the weekend bars and nightclubs or restaurant outings that drain wallet's of $100 - $200 every weekend. Some of you in some states may be spending even more in casinos.

So how do you redirect this energy that drives you every week to head to the bars or casinos with your friends? Choosing a new hobby is a great way to redirect this energy. Fitness, for example, and the many reasons to be fit. Many people who pursue fitness in fact willingly choose to forsake the bars and drinking for the sake of trimming body fat and getting their health in order. A dedicated Saturday and Sunday workout routine can help you break the chains that pull you toward the bars and / or casinos where so much of your income may be going currently.

Or there's also this: Life in the great outdoors. We're talking hiking, camping, fishing, or canoing/kayaking, as just a few examples. Each of these can be a drain on wallets though, but do you really have to shop at high-end sporting good stores when there is plenty of great second-hand equipment in the world being sold on sites like Craigslist or in local thrift stores?

If you look hard enough, and talk to people experienced in any recreational pursuits outdoors, you can find ways to keep costs down, way down.

Like to make the occasional trip to see a new movie in theaters? Some theaters have 9:30 - 10:30am matinee times at reduced prices, lower than a typical mid-day matinee cost. Skip on the soda and treats and you've just saved yourself quite a bit of money.

4. The Groceries You Buy
Your local grocery store down the street may have higher prices than a bigger store like Wal-Mart or even Target (those that sell groceries nowadays). Big box stores in the business of selling groceries nowadays are saving families money. You may have to drive a few miles of your area, if one isn't handy, so buy enough groceries to last 2 - 3 weeks and it should be well-worth the trip.
Invest in an additional freezer, and buy certain foods in bulk that you can freeze.


Read the rest at http://www.secretsofsurvival.com/survival/surviving-hard-economic-times.html#ZlDvgrhOlBcU8J1m.99

Time for you to add another income stream.
One thing that I learned over and over again from the wealthy this year is that they never rely on one income stream. They have numerous sources, which protect them from changes in the economy and also add up to the greatest numbers. Source: http://www.businessinsider.com/15-money-tips-to-make-you-rich-in-2015-2014-12

Dear Reader, you don't necessarily have to wait for a big loan to add another income stream. Look at what you already have and ask yourself if you can use it to add an income stream, For instance, if you have a deep freezer at home, can you use it to start a ice bock business?

How to Get International Angel Investors for Your Startup

Where do you go if you need money for your startup? Of course the usual suspects are friends and family, bank loans, and increasingly, crowdfunding. But today I want to suggest that you spread your wings even further and consider the possibility of getting angel investments from across the globe.

If you’re an entrepreneur, you have likely considered the angel investor option, but it also may seem like a pipe dream because the process can seem slightly overwhelming. Where do you start? Where do you find angels? What are they looking for in a potential business investment? Would they even be interested in your business?

While the idea may seem a bit scary and the dream distant, getting angel investment capital, whether here at home or from abroad, is doable. And I’m here to tell you how. To learn how go to http://www.huffingtonpost.com/steve-strauss/angel-investors_b_2975056.html