How To Trade Nigerian Stocks Like A Sniper

I received a mail from someone who wanted to know the hottest growth stocks to buy right now so he could invest his idle N4million and cash out in 2 months. His mail reflected his curiosity and how my response would greatly assist his choice of stocks to buy. But you know what? I disappointed him, I told him there is no stock to buy. Why? he replied. I said the stocks available doesn't fit into your trading style.

A lot of stock market traders and investors lack patient when it comes it picking stocks, they really do not understand that there are perfect buying and selling opportunities, don't always force yourself to pick stocks rather let your trading strategy guide you. It's time you began to trade like a sniper who doesn't shot at anything but focus on a particular target. A sniper will not shot a closer or related targeted but is mandated to take on the exact person on the radar, even if there is someone in front of the target, he has been trained to wait until setup is complete.

Full guide - http://nigerianstockstobuy.com/how-to-trade-nigerian-stocks-online-investment-strategies/

How To Trade Nigerian Stocks Like A Sniper

I received a mail from someone who wanted to know the hottest growth stocks to buy right now so he could invest his idle N4million and cash out in 2 months. His mail reflected his curiosity and how my response would greatly assist his choice of stocks to buy. But you know what? I disappointed him, I told him there is no stock to buy. Why? he replied. I said the stocks available doesn't fit into your trading style.

A lot of stock market traders and investors lack patient when it comes it picking stocks, they really do not understand that there are perfect buying and selling opportunities, don't always force yourself to pick stocks rather let your trading strategy guide you. It's time you began to trade like a sniper who doesn't shot at anything but focus on a particular target. A sniper will not shot a closer or related targeted but is mandated to take on the exact person on the radar, even if there is someone in front of the target, he has been trained to wait until setup is complete.

Full guide - http://nigerianstockstobuy.com/how-to-trade-nigerian-stocks-online-investment-strategies/

SEPLAT Stocks - Best Turnaround Oil Stocks To Buy In 2018

The exceptional skills that will make you stand out in the stock market are not just your abilities to spot growth and dividend stocks, even though they are one of the big money-making strategies, but being able to uncover turnaround stocks that are making a huge comeback.

What are turnaround stocks you may ask? These are stocks that were affected by a temporary economic trend which eventually led to massive sell-offs. You will see affected companies, like this, report declining sales figures on quarter to quarter basis, year on year and even make a loss, and at the end return to profitability after restructuring.

A look at Nigerian stock market

Oil and gas companies in the Nigerian stock market were worst hit by the collapse in oil price coupled with numerous attack on oil facilities by Niger Delta militant that led to low production output. This crisis was largely reflected in their share price performance in 2014, 2015 and 2016, but as the price of crude oil reversed its year-long downtrend after an agreed-OPEC output cut, we saw an increased inflow of petrodollars into the economy. Now that the activity of these militants at near zero level, some of the stocks have begun to rise again as manager of these companies had concluded facilities repairs and built alternative export routes to control future loss.

As a stock trader, I had taken time to single out two perfect turnaround stocks you should focus on this year.They are SEPLAT and Japaul oil. I will be reviewing Japaul oil soon but let's focus on SEPLAT.

Seplat is a leading independent oil and natural gas producer in the prolific Niger Delta area of Nigeria and a leading supplier of gas to the domestic market. As a full-cycle upstream oil and gas exploration and production company, our focus is on maximising hydrocarbon production and recovery from our existing production and development assets, acquiring and farming into new opportunities in Nigeria (specifically those which offer production, cash flow and reserve replacement potential with a particular focus on the onshore and shallow water offshore areas) and realising the upside potential within our portfolio through focused appraisal and exploration activities. A strong track record and high-quality asset base Our portfolio comprises direct interests in five blocks in the Niger Delta area, four of which Seplat operates, and one further revenue interest.

One interesting discovery on SEPLAT chart is that the price pattern of the stock on a monthly chart mimics the global crude oil market price trend and NSE all share index. As of this writing, the stock is already posting weekly gain as investors' sentiment turn positive; they had just released a full year result that beats 2016.

Here is my personal analysis that reveals the big upside potential of SEPLAT in 6 months.

Let's talk about the company performance from 2016.

Read more here - http://nigerianstockstobuy.com/seplat-stocks-best-turnaround-oil-stocks/

The exceptional skills that will make you stand out in the stock market are not just your abilities to spot growth and dividend stocks, even though they are one of the big money-making strategies, but being able to uncover turnaround stocks that are making a huge comeback.

What are turnaround stocks you may ask? These are stocks that were affected by a temporary economic trend which eventually led to massive sell-offs. You will see affected companies, like this, report declining sales figures on quarter to quarter basis, year on year and even make a loss, and at the end return to profitability after restructuring.

A look at Nigerian stock market

Oil and gas companies in the Nigerian stock market were worst hit by the collapse in oil price coupled with numerous attack on oil facilities by Niger Delta militant that led to low production output. This crisis was largely reflected in their share price performance in 2014, 2015 and 2016, but as the price of crude oil reversed its year-long downtrend after an agreed-OPEC output cut, we saw an increased inflow of petrodollars into the economy. Now that the activity of these militants at near zero level, some of the stocks have begun to rise again as manager of these companies had concluded facilities repairs and built alternative export routes to control future loss.

As a stock trader, I had taken time to single out two perfect turnaround stocks you should focus on this year.They are SEPLAT and Japaul oil. I will be reviewing Japaul oil soon but let's focus on SEPLAT.

Seplat is a leading independent oil and natural gas producer in the prolific Niger Delta area of Nigeria and a leading supplier of gas to the domestic market. As a full-cycle upstream oil and gas exploration and production company, our focus is on maximising hydrocarbon production and recovery from our existing production and development assets, acquiring and farming into new opportunities in Nigeria (specifically those which offer production, cash flow and reserve replacement potential with a particular focus on the onshore and shallow water offshore areas) and realising the upside potential within our portfolio through focused appraisal and exploration activities. A strong track record and high-quality asset base Our portfolio comprises direct interests in five blocks in the Niger Delta area, four of which Seplat operates, and one further revenue interest.

One interesting discovery on SEPLAT chart is that the price pattern of the stock on a monthly chart mimics the global crude oil market price trend and NSE all share index. As of this writing, the stock is already posting weekly gain as investors' sentiment turn positive; they had just released a full year result that beats 2016.

Here is my personal analysis that reveals the big upside potential of SEPLAT in 6 months.

Let's talk about the company performance from 2016.

As culled from the SEPLAT's 2016 result:

Read more - http://nigerianstockstobuy.com/seplat-stocks-best-turnaround-oil-stocks/

Vacancy for a Chief Finance Officer In Nigeria - CFO Job with REF (CFO\01\2018)

We are an NGO registered as a Nigeria Trust, dedicated to improving public health in Nigeria by making essential health products and services available to the poor and those in need. We are in partnership with the federal and state government of Nigeria, the British Department of International Development and the United State Agency for International Development as well as the Global Fund to fight AIDS, Tuberculosis and Malaria, among other international donors. We seek to recruit the following personnel and invite eligible candidates to apply for the position of a Chief Finance Officer.

The CFO reports to the Managing Director, he will be responsible for building and managing effective and streamlined operations, processes and systems relating to finance, accounting, treasury, procurement, and internal control. The CFO will focus on strengthening his/her team's capacity to develop, implement and manage cost-effective and efficient policies/practices with particular attention to rigorous internal control systems and procedures.

Key duties and responsibilities:

1. Financial Management -

- work with program directors to ensure the success of each program through cost analysis support and compliance with all contract and program requirements. This includes:
- Interpreting legislative programmatic rules and regulations to ensure compliance with all federal, state, local and contractual guidelines.
- assess and fully develop the financial systems of the organisation to a superior level of service and functionality for all customers served by the finance department.
- develop and maintain systems of internal control to safeguard financial assets of the organisations and oversee financial management for sub-awards and programs.

2. Financial Reporting
- Work with the MD and Executive team to develop financial strategy and ensure the organisation's targets are met or exceeded.
- Assess organisational performance against both the annual budget and long-term strategy.
- Ensure that the Finance & Account Department prepares and sends periodic, timely reports which comply with all local and donor-specific financial guidelines.
- Structure, prepare and present materials for formal board meetings and board committee meetings.

3. Procurement
- Provide oversight for the procurement functions to ensure the development and implementation of policies, guidelines and procedures to ensure efficiency and transparency of the procurement system and adoption of best practices in all dealings with vendors and contractors.

4 Advocacy and External Relations
- Develop successful and trusting relationships with donors, partners and other stakeholders, create and sustain an environment that supports these relationships.

Experience:
- Must possess at least 17 years post qualification experience in financial analysis, reporting preferably in a not-for-profit or private sectors with a minimum of 5 years in senior financial management role.

Qualifications:
Must posses first degreee or equivalent in Accounting, Economics or numerate discipline
A relevant second degree (MBA or MSC) is desirable
A professional accounting qualifications such as ACA or other equivalent from a recognized professional body.

Skill & Competencies:
- Experience in interpreting a strategic vision into an operational model
-Working knowledge of current accounting standards and procedures.
-Technological savvy with experience in using an ERP application.
-Experience in communicating key data effectively, including presentation to senior management, the Board and other outside partners.
-Creative with experience in funding activities in a way that covers both costs and generates operating margin.
-High interpersonal skills, a collaborative and flexible style with a strong service mentality.

See full details about this job and how to apply - https://www.bestaccountingforum.com/accounting-finance-jobs-nigeria/vacancy-for-a-chief-finance-officer-(cfo)-ref-(cfo012018)/

See my top 4 growth stocks that made investors money last week - http://nigerianstockstobuy.com/4-top-gaining-nigerian-stocks/

The NSE All-Share Index and Market Capitalization appreciated by 0.72% and 0.82% to close the week at 42,876.23 and N15.403 trillion respectively. Similarly, all other indices finished higher during the week with the exception of the NSE ASeM, NSE Banking and NSE Pension Indices that depreciated by 1.14%, 0.59% and 0.09% respectively.

Here are stocks that made investors good money last week with my analysis of their potential move:

Japaul Oil & Maritime Service Plc

The stock increased by 50% to close at 63k from N42k. This is not unconnected to the $350 million private equity injection into the oil and maritime company as the management seek to make it less reliant on the oil sector by diversifying into other revenue centres. The stock has suffered massive sell-off from the oil price dip and is now staging a comeback.

Technically, Japaul oil stock is bullish on all our four key trading signals but because of the sharp positive price increase so far, I would recommend you wait for a pullback from an imminent sell-off/profit takers, then buy the stock. As of this writing, the stock is currently on a full bid, no offer which means price may rise further this week.

Unity Bank Plc

The stock increased by 18.79% to close the week at N1.77 from N1.49. Just as we shared on Japaul Oil, Unity Bank stock may enjoy more patronage if the rumour of a potential buyout, which is driving the stock, turns out positive.

Technically, Unity stock had just reversed its previous downtrend after the news broke out but there isn't a solid bullish signal on major tools except for the relative strength index.

Recommendation: Wait for a buy signal on all technical indicators.

NEM Insurance Co

This is one of my best insurance stock to watch this year. As investors sentiment turns positive after an impressive result, I am currently waiting for a buying opportunity after sell-off.

NEM insurance stock gained 35k to close the week at N2.25; a key driver of this stock is investors sentiment. The company grew its gross premium by 22%, profit before tax by 35.42%, and profit after tax by 35.47% in Q3 2017 which is better than the figures reported in 2016. I expect the company to post a better full-year result.

Technically, the stock has more upside potential and is fast approaching the level investors will sell off to take price as all indicators point to an overbought region.

Recommendation: Wait for sell-off after a full-year report and buy; insurance sectors will benefit from this year's growth.

Cement Company of Northern Nigeria

This stock is also on my radar this year. I had already shared a full analysis of the company's fundamental, go check it out here. CCNN share increased by 17.80% to reach N19,85, the company is already trading at an all-time as investors await 2017 financial report.

Technically, the stock has risen too high, all indicators already signal an overbought stock so expect the price to retreat shortly after the full year result is released expect the EPS beats expectations.

Recommendation: Wait for a major reversal before buying.

Source: http://nigerianstockstobuy.com/4-top-gaining-nigerian-stocks/

I read a very interesting article on Bloomberg website, one of the top global financial news. The news covers everything you need to know about the Nigerian banking sector, performance in 2017, outlook and key profit drivers in 2018.

Here are the exact news stories, analysis and forecast this year as culled from Bloomberg:

The spring in the step of Nigeria’s economy is likely to show up in the results of the country’s banks when they start reporting 2017 earnings from this month.

 An improvement in unpaid loans, higher interest income from holding government debt and a rise in profit will have helped lenders bolster their capital buffers, according to Renaissance Capital analysts including Olamipo Ogunsanya and Ilan Stermer.
The gross domestic product of Africa’s largest oil producer expanded for three straight quarters last year after a 1.6 percent contraction in 2016, with year-on-year growth reaching 1.9 percent in the final three months of 2017. An increase in crude prices and the introduction of a new foreign-exchange system that ended a crippling shortage of dollars helped attract more investment flows into the country, while improving liquidity for the nation’s lenders. 

Here’s a closer look at some of the major drivers and points of interest that investors will keep an eye on as they assess the outlook for banks. 

Yield Benefit
Record high-interest rates of 14 percent since July 2016 means there is no shortage of yield for banks, many of which parked their funds to profit from the safety of Treasury bills and other fixed-income securities rather than lending, where there is more risk.

A drop in those yields from a record highs in August means that 2018 will be more challenging for lenders, despite the positive macro backdrop, according to Ogunsanya and Stermer. Volatility in foreign-exchange related gains, limited scope for cost efficiencies and rising political risks before elections in early 2019 also cloud the outlook for this year, the RenCap analysts said.



Lenders Lending
Banks will be able to close the revenue gap created by declining interest rates by lending more into a strengthening economy, according to Stanbic IBTC Holdings Plc analyst Muyiwa Oni. Some banks may boost loan growth to 15 percent this year compared with 10 percent in 2017, he said.

“Credit growth will be a big driver” in 2018, Oni said. While lower rates may reduce the cost of funding for banks, net interest margins may still narrow by anything from 100 basis points to 200 basis points this year, he said.



Fewer Sour Loans
The recession in 2016 hampered the ability of companies to meet their obligations to lenders, prompting a surge in bad debts. Non-performing loans as a percentage of overall credit peaked at 26 percent for FBN Holdings Plc, the country’s largest lender by revenue. NPLs will continue to trend downward after improving to 20 percent in the nine months through September, Adesola Adeduntan, the chief executive officer of FBN’s First Bank of Nigeria, said on Feb. 22.

An improvement in operating conditions, the restructuring of loans, recoveries and some write-offs will see the pace of unpaid loans ease into 2018, Fitch Ratings said in October.

Capital Challenges
At least three small- to medium-sized banks will run into difficulties with their capital levels this year and will need to raise cash, said Robert Omotunde, the head of investment research at Afrinvest West Africa Ltd., without naming the lenders. "A lot of tier two banks have issues with NPLs and it’s eating into their capital buffers.”

Stanbic IBTC’s Oni predicts that the capital adequacy ratio across the industry will probably drop by 100 to 200 basis points, mainly because of the introduction of IFRS 9 reporting standards, which will require higher provisioning.

Bigger lenders including Zenith Bank Plc, United Bank for Africa Plc and Access Bank Plc were able to raise funding in the Eurobond market last year, while smaller ones struggled to boost their buffers. Stress tests showed that the capital adequacy ratio across the banking industry worsened to 12.8 percent in April from 13.6 percent in February, according to the central bank.

Taking Stock
There is still some room for shares to rally even after the Nigerian Stock Exchange Banking 10 Index surged by a record 73 percent in 2017, according to Lekan Olabode, a bank analyst at Vetiva Capital Management Ltd. in Lagos, although the pace won’t match that seen last year. Smaller lenders may also show faster earnings growth and biggest share-price gains.



“The banking sector is significantly undervalued,” he said. “This year, it is the small banks that we expect to do more.”

What you should expect this year:

While banks that were badly hit by non-performing loan will enjoy increased loan repayment this year and improved asset quality,  tier two banks that have a lower cost of risk and higher capital adequacy ratio will benefit from increased credit to the private sector. The unrestricted dividend payout rating assigned to these banks will attract lots of institutional interest from income investors.

Top picks:

Zenith bank
UBA
GTB
I had already shared tips to pick the best banking stocks to buy, read here: http://nigerianstockstobuy.com/analyse-pick-best-nigerian-banking-stocks/

Source: http://nigerianstockstobuy.com/nigerian-banking-stocks-2018-sector-outlook-key-growth-driver/

Zenith, Access, UBA, FirstBank & GTB stocks are the best stocks to buy if you want to make money trading stocks this year: See my investment guide on How I analyse banking stocks the easy way.

Learn How To Analyse Nigerian Banking Stocks

Highest Dividend Paying Stocks In Nigeria - Profitable Strategies To Pick & Buy The Best Nigerian Stocks For LongTerm Investments

I hope you enjoyed the detailed analysis I shared on how to pick the best banking stocks for a better portfolio performance? As of now, that investment strategy is the longest article on my blog, so don't read it as a poem but understand how I reviewed Zenith bank's stocks with a modest estimated value that revealed a 15% upside potential from now till March 2018.

As a continuation to the discussion I had with my friends on bank's stock, another good guy asked, do you plan to invest for just price appreciation, or how can one find the best dividend paying stocks in Nigeria stock market? Well, that is was another interesting question because a lot of stock market traders don't have a clear idea of the opportunities in the market, they just want to enjoy price appreciation, and miss out on the residual income from dividend payouts to shareholders. I know a friend who had invested a huge sum into five (5) stable sectors stocks last year and is already expecting his first five (5) figure income this year, besides his portfolio is up by 27% as more institutional investors position themselves ahead of the full year audited report, 2017.

This post focuses on how we jointly picked the best highest dividend paying stocks in Nigeria stock market using a simple method I will be sharing right now:

Check the overall economic indicator - let Oil price guide you.

Anytime I look for stocks to pick, the first step I don't skip is to ascertain the general economic environment using global Oil price trend. This post on how to find the best sector stocks to invest in explains everything you need to know about the effect of oil price on Nigerian economy and opportunities in different sectors.

In summary, I said that an uptick in the price of oil helps government generate more petrodollars which reduce overall economic risk, so expect more fund to be channeled to key sectors like industrial sector as infrastructural projects are re-visited or more capital projects embarked upon, while reserve is also boosted to help cushion the effect of exchange rate.

As at when I shared this post, the banking, industrial and consumer sector have the highest share of investors' confidence, as reflected in their year to date performance. This is not unconnected to the impressive growth recorded last year (2017), following the relatively stable exchange rate and increased market participation at investors and export window. Understanding top sectors let you focus on companies that will do well from government policies driving that sector. I also share how government's planned budget for the rehabilitation and construction of roads are expected to improve cash flow of major building materials firm.

The banking sector is also expected to enjoy improved net interest income from loan and advances to oil sectors. You can read the post here

Find stocks in top sectors with highest dividend yield.

Read Full Dividend Income Investing Guide Here

How To Pick Best Performing Stocks In Nigeria Today - Learn How I Pick Top Sector Stocks To Buy & Make Money More Trading Shares Online in 2018, and Beyond - 2019, 2020, 2021.

This trading strategy is a continuation of my previous guide on how to know which sector stocks to buy now. In that practical and well thought-out tips, I shared the number one economic indicator to watch before deciding on the sectors to focus on. The reason you must start your trading decision this way is that "the performance of the company you buy into is largely driven by the overall sector trend and government policies". When government decisions favor an industry, it tends to attract more investment from big investors as they channel their funds to companies that will likely receive a boost.

Take, for instance, firms in the building material industry have been grappling with cash flow challenges, rising cost of operation and mounting debt level due to dwindling government revenue that had affected their ability to finance long-term capital projects. If you are an investor looking for sectors to stay away from, this is one of them as the general industry growth may be unimpressive.

But, a rising oil price in the past few months to $60 (above $45 benchmark) provides more revenue for the government to increase her spending on capital projects. From the 2018 budget, the sum of N300 billion was earmarked for road construction and rehabilitation, so expect building materials and cement companies to pick up as abandoned projects will be revisited and more projects awarded. For instance, take Dangote Cement, the company's share (as at when I checked) is already up by 17.39% since the start of the year (2018), Larfage Africa, Northern Nigerian Cement, CAP Nigeria have also gained 17%, 85%, and 14% respectively.

See Full Investing Guide On How To Pick Top Performing Stocks In Nigeria



This is a perfect example of how to uncover stocks that will deliver a great return on your investment; start from the overall macro indicator by following the global Oil market as shared here, then focus on sectors that will benefit from the trend and find great stocks in that sector. This doesn't mean that all stocks in a top sector will perform well, some companies may still lag but your core focus is on buying the biggest winners.

Here are steps I have always follow strictly to find the best-performing stocks in the best sector.

See Full Investing Guide On How To Pick Top Performing Stocks In Nigeria

If your banks like UBA, GTB, Zenith, Access are charging you higher fees on SMS, checkbook and ATM card, you know what to do? Buy their shares and recoup your money.

Follow my blog on Nigerian Stocks To Buy Now For Tips On How I Made 400% Return In 2017, Click Here




Follow my blog on Nigerian Stocks To Buy Now For Tips On How I Made 400% Return In 2017, Click Here

Nigerian breakfast meal for weight loss - Lose weight, eat healthy and tasty food with these breakfast meals

No one wants to get fat or become obsessed, but everyone wants to become fit in order to get a good compliment and stay healthy. In order to achieve this, one has to put himself/herself on a weight loss regimen to keep the weight off. The problem with restricting yourself to a weight loss regimen is that you may have some difficulties finding suitable meals to keep the weight off. If you are living in Nigeria and you have ever had to lose weight, then you would know how hard it is to find the right type of foods to help you lose weight. The good news is that many of the local foods in Nigeria can be used to encourage weight loss. Eating a healthy breakfast meal does not guarantee that you’ll lose weight. You can still gain weight if your meal is high in calories. To avoid this, I advise that you reduce the size of your servings. You can eat a little and have the rest packed for later. As with everything in life, moderation is key. The very simple formula to weight loss is burning more calories than you take in. Below are Nigerian breakfast meals for weight loss.

See More Breakfast Meal Options On NaijaFoodTherapy.com, Click Here

Nigerian breakfast meal for weight loss
Option 1

Sunday: 1 egg with 2 slices of bread
Monday: 1 boiled plantain with ½ cup of baked beans
Tuesday: Moi-moi with 1 cup of oatmeal
Wednesday: ¾ cup cereal, 1 cup of milk & 1 banana
Thursday: Vegetable omelette, 1 slice of bread & yoghurt
Friday: A plate of pepper soup
Saturday: Mixed fruit salad with yoghurt

See More Breakfast Meal Options On NaijaFoodTherapy.com, Click Here

I have made more money in the stock than anywhere in 2017 - follow my journey on http://nigerianstockstobuy.com/ as I share my trading secrets that net 10-20% monthly profit.

Here is how to pick profitable penny stocks - http://nigerianstockstobuy.com/best-penny-stocks-buy-nigerian-stock-market/

great food diet

The health benefits of watermelon - Watermelon contains about 92% of water but soaked with a lot of nutrients.

Watermelon is a low-calorie, hydrating fruit that is naturally high antioxidant food, plus a source of vitamins and minerals that can help fight inflammation free radical damage and prevent a number of serious illnesses. It is by far, one of the most powerful body-healing fruits out there. The amazing health benefits of watermelon cover everything from your brain all the way to the cells in your feet.



One of the benefits of watermelon includes containing a high amount of lycopene, a certain type of carotenoid that is currently of great interest to researchers because of its known antioxidant capacity and various potential benefits. Lycopene is responsible for giving many fruits and vegetables, including watermelon, their deep red or pink colour. Lycopene found in watermelon is a powerful antioxidant, meaning it has the ability to fight free radicals in the body that can damage cells.

The health benefits of watermelon
Contains antioxidant: Studies have shown that consuming specific fruits and fruit juices, such as watermelon and watermelon juice can actually reduce the amount of oxidative damage because the antioxidant in those fruits has the power to scavenge the reactive oxidative species and render them harmless. The radical scavenging is actually maintained for up to 90 minutes after the consumption of the fruit or fruit juice, suggesting that the work of antioxidants continues long after you first consume them.
Lowers blood pressure (hypertension): Watermelon is rich in citruline, which is an amino acid that is converted to arginine in the body. In turn, both citrulline and arginine help in the production of nitric oxide, which is a vasodilator, meaning that it helps relax and dilate your blood vessels. When the blood vessels are dilated, more blood can pass freely through, leading to lower blood pressure and less of a risk for such things as stroke and cardiac infarction.

Prevents kidney disorders: watermelon has a very abundant supply of both calcium and potassium, each of which contributes to helping flush out the toxins in the body’s kidney. The calcium provided by watermelon is important for regulating cell functions, maintaining cell structure, and benefiting the cell differentiation process. Extra calcium also aids in reducing the concentration of uric acid in the blood. By decreasing any extra amounts of this acid, the calcium and potassium in watermelon help to reduce the chances of kidney diseases. Although these two compounds are very important, we can’t forget about water, the namesake of this beneficial fruit. Watermelon’s high water content induces frequent urination, which, once again, is always helpful in cleansing the kidneys and keeping them functioning properly.
Prevents cancer: Current research have found direct links between active food components and cancer prevention and treatment. One of the compounds most thoroughly studied is lycopene. Lycopene functions in diminishing insulin growth, which is a vital step in decreasing the prevalence of cancer. Lycopene also helps with the regression of cancer by targeting and interrupting cancer cell growth, apoptasis, carcinogen, metabolism, and hormone regulation.

Heart health: Cardiovascular disease causes a great many deaths. One of the main risk factors for cardiovascular disease is cholesterol content, specifically, the low-density and high-density lipoprotein ratios. Many researchers and scientist alike agree that LDL cholesterol levels are strong independent predictor of coronary heart disease, especially for those patients with diabetes. Fortunately, the abundance of lycopene found in watermelon has been shown to be an effective compound in lowering such cholesterol levels.
Prevents macular degeneration: Deteriorating eye health comes with age, but many simple and convenient measures can prevent premature eye degeneration and unfortunate eye diseases. Many studies and research have focused on the role of carotenoids and vitamins in eye health. Vitamin A is a primary vitamin that helps our eyes stay healthy. A deficiency of such a vital vitamin can cause macular degeneration and exophthalmia.
Aids in digestion: One of the most common gastrointestinal problem is constipation, which is characterized by a slow gastrointestinal transit, a hard stool, and difficulty in passing stool. Drinking plenty of water everyday can eliminate this unfortunate and uncomfortable problem. Because watermelon has both a rich water and fibre content, this juicy fruit easily helps promote regularity for a healthy digestive tract.
Skin care: Vitamin C and E are the most important natural antioxidants for anti-aging benefits because their small molecular weights allow them to penetrate the skin and induce the production of collagen, which is vital for keeping your skin smooth and healthy. Citrus fruits, guava, chilli peppers, and watermelon are all hearty source of vitamin C.

Source: NaijaFoodThereapy - Benefits Of Watermelon

For those interested in CFA Exam in Nigeria and are looking for study and past question materials and CFA training centres in Lagos Nigeria, let's meet here to discuss the exam diet - December, July, June this year - 2018 and for subsequent years - 2019, 2020, 2021, 2022.

Find all CFA Study materials & Past Questions & Answers, Click Here For Guide

For those interested in CFA Exam in Nigeria and are looking for study and past question materials and CFA training centres in Lagos Nigeria, let's meet here to discuss the exam diet - December, July, June this year - 2018 and for subsequent years - 2019, 2020, 2021, 2022.

Find all CFA Study materials & Past Questions & Answers, Click Here For Guide

Tips on how to pass the CFA Exam -

Everyone knows that it’s not easy to become a Chartered Financial Analyst (CFA) charterholder. Passing the Level I exam is hard enough – 42% of the 51,134 candidates who took the Level I exam in June 2015 and 43% of the 52,315 candidates that took it in December passed.

Peter Mackey, the head of CFA examination development at the CFA Institute, manages a team of 23 people who develop the CFA exams, as well as the Certificate in Investment Performance Measurement (CIPM) and the Claritas qualification.

Here is his advice for passing the CFA exams:

1. Focus your efforts on the CFA Institute’s curriculum
While other materials and courses may help, it’s important to realize that everything you will see on the exam comes directly from the curriculum that the CFA Institute provides. Look at the exam prep materials and study tips on the institute’s website thoroughly. It sounds basic, but not everyone does it.

“A lot of candidates make a number of mistakes, for example, they rely on too many sources of information rather than focusing on the curriculum,” Mackey said. “It’s hard enough to master in the six months we recommend that you take to learn it – it’s all there for you in the curriculum, so take the time to absorb it.

He touts the fact that, unlike some other qualification programs, his team develops and produces its own curriculum every year.

“In my view it makes it easier and fairer for our candidates, because we will only write a test question based on our assigned curriculum – they won’t get asked something outside of that,” Mackey said. “Writers have to prove that all of the content that the candidate needs to answer the question is in the curriculum.”

2. Keep up-to-date with what’s changed
In the very early days, passing the CFA exams required writing excellent open-ended essays, but it has evolved to become more and more weighted toward the multiple-choice portion. In the early 2000s, Level I went to 100% multiple choice.

“Don’t underestimate Level I; it’s going to be tough,” Mackey said.

Another big change: In 2009 the CFA Institute changed all of its multiple-choice questions to have three answer choices, one correct answer and two distractors, instead of four choices.

“That’s led to a big improvement in the quality of the exams,” Mackey said. “The hardest thing to do is to come up with good distractors, answers that are plausible to a not-well-prepared candidate but not tricky or confusing to a well-prepared candidate.”

3. Know the format
The morning session of Level I lasts three hours, with 120 multiple-choice questions, followed by a two-hour break for lunch, then another three hours to complete an additional 120 multiple-choice questions,

Level II consists of “Item Set” questions, one- to two-page cases of data and information about an institutional or individual investor, then attached to each case are six questions based on that case drawing from the curriculum.

“Level II is similarly structured, but requires a lot more reading, with 60 questions in morning and 60 in the afternoon,” Mackey said. “It’s a bit more complex, with higher-level questions that require comprehending the case information in order to answer them.”

The morning session of the Level III exam has short-answer essay questions that require candidates to make calculations. The afternoon is Item Set questions.

“Level III is more structured than most essay exams might be,” Mackey said. “If you’re trained to take a multiple-choice test, the Level III morning session is not that.”

4. Practice the lost art of penmanship
Keep in mind that you have to write down your answers by hand, which presents a number of challenges in an age of computers. Practice writing for long stretches using a pen or pencil to exercise those hand and finger muscles.

“Most of us don’t write by hand much anymore, so the act of writing for three hours is tough,” Mackey said. “We encourage candidates to practice writing manually in the months before the exam.”

5. Practice makes perfect – but don’t go overboard in any one area
Some candidates spend way too much time on practice questions, drilling and drilling, rather than really taking the time to memorize the curriculum and understand the concepts, Mackey said.

Also, don’t focus obsessively on certain parts of the curriculum that you think will make up the bulk of the test while neglecting others.

“It’s a dangerous game to try to figure out what’s going to be on the test, to the extent that you’re skipping chapters,” Mackey said. “That’s reducing the probability that you’re going to be able to handle the questions you’ll actually see on the exam.”

6. Take care of yourself
Candidates are tempted to cram in as many last few hours of study as they can. But don’t sacrifice time usually spent on exercise, eating well or sleeping a full night for studying – especially in the days just before the exam. If possible, candidates may consider putting in a request now to take some personal time off work for review and rest right before the exam. You want to perform your best, and that means caring for your physical well-being as much as mental preparedness. If your body isn’t ready, then hundreds of hours of prep won’t mean anything.

“You want to perform your best, and that means caring for your physical well-being as much as mental [preparedness],” Mackey said. “If your body isn’t ready, then hundreds of hours of prep won’t mean anything.”

7. Plan the logistics of exam day
Scout the exam location ahead of time. Learn the route, look at parking, plan what you will eat for lunch and where, and have a general notion of what you’re going to walk into.

“You don’t want to be tripped up by little things like that,” Mackey said. “The fewer last-minute decisions to make, the better.”

8. On exam day you’ll want to…
Make sure you have your valid passport, ticket and approved calculator – and leave the personal belongings at home.

“Pay close attention to all the instructions provided to make sure you’re following the procedures properly,” Mackey said.

9. Time management is key
For Level I, you have to complete 40 questions per hour, meaning you can spend an average of 90 seconds on each question.

An important point to remember is that there’s no penalty for a wrong answer. You obviously won’t get credit for a mistake, but it’s important to try to answer every question.

“If you’re not managing your time well, you can really mess yourself up,” Mackey said. “You want to turn in a fully completed answer sheet to give yourself an opportunity to get credit for every question.”

Levels II and III get more complicated. Level III has 12-minute and 23-minute questions, many with multiple parts.

“For Level III in particular, it’s really important to focus on time management,” Mackey said. “Some people write us a treatise on a topic they know well but take twice the allotted time to do it.”

10. Don’t sacrifice attention to detail by rushing
While you have to keep your eye on the clock, some people work too fast. There are a lot of key directions in the pre-exam instructions.

“Candidates fly into this without paying attention, they miss questions, misread them, or they don’t follow instructions and write on the wrong page,” Mackey said. “You have to calm yourself down and work at a steady pace without rushing.”

Despite the fact that the test is timed, read all questions thoroughly. The test-question writers intended for you to read the content entirely, think carefully and do whatever calculation you need to answer it correctly.

“Some candidates read a question too quickly and they think they know the answer, they see one choice that seems logical and they fill in the oval and move on without reading the other options,” Mackey said.

11. They’re not trying to trick you – really
Some people tend to overthink a question, convinced that it’s a clever trap designed to ensnare unsuspecting saps, but they end up outsmarting themselves or taking too much time per question.

“Certain candidates have a view that every question is a trick – that we’re sitting here rubbing our hands thinking ‘How are we going to get them on this one?’” Mackey said. “Candidates can overthink or overcomplicate it by making an unnecessary assumption, ‘I’m sure these guys are trying to trick me,’ which can do more harm than good.

“Take the material we’ve given you – that information is sufficient to answer the questions,” he said. “Don’t bring in other sources of info or make something up – keep it simple and you’ll do well.”

12. Take a deep breath
Stress management is an overlooked element of test-taking. Everyone goes into the day of the exam extremely high strung.

“There’s good stress that can help you and bad stress – if you panic, it will hurt you,” Mackey said. “You’re not going to know all of the answers to all of these questions – nobody gets 100%; if you get 70% you’re doing pretty well.

“If you don’t know an answer, move on,” he said. “The brain is an amazing organ, and research has shown that if you calm down, answers will start to come to you more readily.

“And, once you complete the exam, go celebrate and relax! You earned it. ”

Find all CFA Study materials & Past Questions & Answers, Click Here For Guide

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7 health benefits of garden egg -  Garden eggs are one of the healthiest foods with so many health benefits.

Garden egg, also called egg plant is known to be a member of the vegetable family. It contain nutrients which include calcium, iron, beta-carotene, vitamin B6, vitamin E, folate, magnesium, fibre, and many essential vitamins and minerals. They come in two shades; the cream and green colour. They are not particularly tasty or sweet but they are of immense benefits to those who eat them. They contain phytonutrients such as nasunin and chlorogenic acid. They are cheap and widely available. They are a highly valued delicacy and constituent of the African food. Garden egg is generally said not to contain huge amount of protein and other nutrients, but very rich in dietary and potassium, a necessary salt that helps in maintaining the function of the heart and regulates blood pressure. Consumption of plant foods like garden egg decreases the risk of obesity, overall mortality, diabetes and heart disease.

[img]http:///wp-content/uploads/2016/08/gardenegg-640x470.jpg[/img]

7 health benefits of garden egg you should know:

Health benefits of garden egg

1. Aids in weight loss: Garden egg is a perfect food option for those interested in losing weight because of its high fibre content. It fills up the tummy quickly, thereby reduces consumption of other high calories options.
2. Lowers cholesterol levels: The fibre content in garden egg helps to lower cholesterol levels in the human body, thereby protecting the heart in the process.
3. Aids in digestion: Garden egg improves the digestive system, beneficial for constipation and ruling out bloating totally.
4. Prevents heart diseases: Garden egg is rich in vitamins and particularly has vitamin B1 and B6 (thiamin and niacin) in abundance. These vitamins are necessary for the proper functioning of the heart and cellular respiration. The rich potassium content also helps in regulating blood pressure.
5. Fights diabetes: It contains low soluble carbohydrates and a lot of fibre which help to lower blood sugar levels and control glucose absorption.

6. Anti-cancer: The antioxidants in garden egg help prevent cancer cells from forming in the body by attacking the free radicals which cause tumours and cancers.
7. Prevents diseases: Garden egg is rich in antioxidants which include phenolic acid, anthocyanins, flavonoids compounds that help to protect against stress and diseases. They prevent ageing, inflammations and neurological diseases.

Source - NaijaFoodTherapy.com

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