₦airaland Forum

babtoundey:
07037207964
Please add me

Done

Omobola121:
Interested 07036205410

Added you.


Please don't drop your number here. Visit my profile and chat me up.

Tutorial still ongoing and those who joined are already learning already .free turorials and free ebooks for you to learn and digest.

You have no reason to remain unemployed. Take charge of your life and fight. Don't wait for anyone to employ you. The country is hard but You can start something for yourself even without capital. You'll be amazed what you can do for yourself and loved ones.

The ball is in your court.

Cheers

austinohen4life:
Interested. 08035068802

Added

Temibabie:
Your contact pls?

Check my profile.

Askgloria:
Good morning,

A quick one.

I had a chat with a young man in my office this morning and he complained about not getting a job since he finished from NYSC, how he has no money and how hard the economy is.

Now I asked him, do to have a skill? He said No! I replied, "that's why you think the economy is hard"

I was able to counsel him and I found out he had one or two skills he didn't know he had that could fetch him an income every month. Now he has enrolled for my class.

While looking for that job take action to do something for yourself no matter how small.

If youre looking for a job or you have a job but not satisfied with the pay? I can help you earn between 50k - 100k monthly. I will help you become your own boss, make money and start employing people.

I only need self driven, hardworking, smart working focused people.

To achieve this you need to have a skill, have access to the Internet, time, laptop or smartphone, and be ready to work, I mean work hard & smart

You can still be looking for that dream job while working and improving yourself.

Don't worry am not collecting a dime from anyone.
Just want to help people cause I know how it feels not to have a job or an income at the end of the month.

My contact is on my profile.

We RISE by lifting OTHERS

Have a blessed day

Still expecting more people before I start my tutorial

Jorussia:
Under no condition or circumstances will i operate a joint account with my wife.By the grace of God,in a year or two from now,i should b married. I have consistently at different marriage seminars for spinsters and bachelors spoken against joint account for couples. I don't like it for any reason in the world,it has the capacity of affecting one's relationship with his/her family. For example, its not everybody i give money to that my wife should be aware of.Also,its not every family member or friends my wife give money to that i should be aware of.For me,there are more than a thousand ways of fulfilling the biblical two shall become one,other than operating a joint account.

Kai you harsh ooo

https://www.nairaland.com/4370724/earn-extra-income

We rise by lifting others

ifyan:
Yes l support the Joint account of a thing but you should also have your personal account.

And when couple decided to go onto joint account, the husband should contribute the highest percentage so as to control the his woman because if you allow woman to be in control of finance (not all though but the truth na)sorry na your name.




Look up at gloria34 post to confirm am ohh

I concur

.

gloria34:
I can run a joint account but we must agree on d percentage I am to contribute. I can't give my entire salary, mayb 30%, then I will keep my personal account, pls keep off that account. he nor concern u

LoL u have a point

[quote author=jwals post=65393301]Good question, but ask your self why should they? When they dont have joint stomachs, they have seperate stomachs with different appetite one of them must be a glotton. [/quote

well, I believe it's a matter of choice .

The question “should couples have a joint or separate bank account is a compelling question often raised by married couples and soon-wed couples. This question is often driven by the desire of such couple to obtain what is identified as ‘financial unity.’ Many couples, however, wants well-structured family finance, hence they are curious to know.

Well, this article is not written to exonerate or downgrade any form of accounts couples resort to making, but we will be leading you to see few pros in whatever form you have taken with a close and brief conclusion leaving the choice into your hand.

Therefore should couples have a joint or separate bank account? Examine the pros and then infer your choice.

Joint Account’s Pros

1. Foster’s Unity: Running a joint account breeds unity among couples. There is no secrecy in the use of money. When matters relating to money comes in form, there will be smooth. There is no secrecy in the use of money. When matters relating to money comes in form, there will be smooth “sit-talk.”

2. Splitting Bills Comes Pretty Easy: How do you think it will sound if you are not transparent about your spouse’s account, and you are making a move to split bills? It might not just work out; conflict would certainly arise. Splitting up bills when couples run a joint account, there would be no conflict.

3. Improves Communication: Financial discussion needs to be clear and direct between couples. Thus a joint account encourages constant discussion relating finances.

4. Attaining Financial Goal: I am not inferring that without a joint account couples cannot attain the financial goal, but with a financial goal, there is a more strong inclination to work as partners in accomplishing financial goals. but with a financial goal, there is a more strong inclination to work as partners in accomplishing financial goals.

5. Money Treated as Our Money: Household income in a joint account will often be treated as our money, not “mine” or “yours.” When money is treated as our money there is a sense of joint ownership.

Pros of Separate Account

1. Privacy Maintained: When operating a separate account, there is an ability to maintain individuals privacy about spending.

2. Independence Spending: In a joint account, you possibly cannot be independent whilst there is a need to speed, your spouse will surely be aware. But in a separate account, you can be independent.

3. Easy to Make Surprises: Some individual might want a surprise, therefore if you identify that your wife or husband appreciate surprises, a separate account would afford you to surprise your spouse with gifts.

4. Specific Saving Goals Can be Attained: Unlike in a joint account, where joint goals are subject to concern while running joint specific goals might not be feasible. But in a separate account, you can confidently attain specific goals.

Conclusion
After having an overview of the two types of account couples can run, what can we conclude? The intentions may govern which form a couple will result in operating.
However, I strongly feel that the best way to go is a joint account. Hence if you consider your intention basing your conclusion on what has been reviewed, you will make the best choice.


http://askgloriawems.com/couples-joint-separate-bank-accounts/

Homoviator:
Very on point.

Thank you�

You may have heard that the thin line between the poor and the rich is ‘information.’ Why that cannot be challenged, the reason the rich get richer and the poor get poorer is not limited to that. There are several important factors, these factors are displayed below. You need not blame the governments, economy or even luck for your present situations after all the rich are drawing that line perfectly, then what could be accounted for why the rich get richer and the poor get poorer?

Few Reasons The Rich Get Richer And The Poor Get Poorer





Before you begin to read, think about yourself first, who are you? Pause for a moment to get that done? Have you? Then let us go.

The Power of Thought; 

It is true that humans thought tends to become what they are. Our though defines us. There is much power in our thought. Therefore, if you think you will be wealthy, so be it, on the other hand, if you thought of being poor you are just the driver of your own life. Whichever thought you hold, that is what makes you.

The power of thought is really immense. Therefore, learn to guide it. The rich fill their mind with a focus on future undertakings and overtime after firmly fighting (apparently, it does not come easy) they often get there.

So think for a jiff, what are your desires? I mean positive ones. Bring more realism into your thought. The more you do, the better the chances of working towards them. Although it takes work, however, if you have gain mastery over your thought, you will have no difficulty thinking more of being wealthy other than your previous thoughts.

Seeking For Knowledge is Vital

The rich seek for the opportunity and will not instantly grab it, but study it; explore on it, and if they are potentials, they then grab it. You will be surprised at how much income they would have made. Some wealthy men would give no worry if seeking for knowledge will cost them more money, they are ever ready to make the move. And in turn, knowledge does not waste; that will be added to their treasure-house.

Unlike the poor who would consider it a waste investing into a new knowledge at the expense of their own money. They see no reason such move will better their standard.
These are just why the rich get richer and the poor get poorer.

Exposure Plays a Vital Role

There is a stark difference between the attitude of those who live at the urban centers, and those who live at the rural centers. Their demands vary; when one demands a good road, reduction in crimes, functioning economic system, improvising technological tools and a more responsive internet connection, their contemporaries fight against invaders into their streams, farms, and do not really worry about what those in the urban system's fancy. The more those in the urban centers improve their exposures, opportunity beckons and they respond enthusiastically.



http://askgloriawems.com/reason why the rich-get-richer-poor-get-poorer/

If you think the path ‘save to invest’ is simple, then I would say you should interview long-time workers to confirm how much investments have been made. Many will actually tell you that they only saved to save, but saving to invest, no-way!

It is imperative that you save to invest, but the truth is, it is not easy at the thought of. Savings actually add up in the real sense, hence what can be done with it? What is done with the money you save is very vital. It brings positive rewards for the savings.

There are steps often skipped or that does not even come to mind that will be revealed in this piece, and therefore it will make save to invest path sound possible and realistic.

Ways You Can Save to Invest

1. Always See Yourself in The Future: Granted, prior to saving, investment was and is still the motivating factor. That means you will always learn to see yourself in the future rather than seeing yourself now. When you are fond of visualizing yourself in the future, it will not be hard to invest after you have reached the saving goal. A recent study conducted revealed that those exposed to thinking about the future had more investment success than those who do not.

2. Admit Mistakes and Move One: No doubt, wrong decisions would come, but they should not cause a drawback in your investments, rather they should inculcate the attitude of admitting responsibilities. True though, most investors find it hard to admit mistakes, but it is a good thing to do. Instead of quitting, pick up again and get this done.



3. Use Risk For Motivation: People who take calculated risk are often more successful than those who sit and do nothing, even though it might be clear that there might be no rod block. So make sure that as you save to invest, you keep in mind that taking risk is a great tool to keep motivating you in accomplishing that.that there might be no rod block. So make sure that as you save to invest, you keep in mind that taking risk is a great tool to keep motivating you in accomplishing that.

4. Tread With Caution: It is a goal approach to invest, hence the same save to invest approach will not work for both young and old in some cases. Old people need to invest with the view to being conservative. Whereas, young ones should save to invest aggressively. As pointed in the above-mentioned point, some savings to invest could attract risk. So, tread with caution.

5. Consult Qualified Professionals: Saving to save is not hard, it is something anyone with the intent to save can make. Save to invest concept is never like that. To get it done correctly, you will need professional consultations about your plans. Before you hire any professionals, ensure they will meet your real need. You can ask for the services described.



6. Have a Functioning Emergency Fund: Before you pick up the process of investing, you must be certain that your emergency fund will cover at least three months because your investment would take a longer time for a yield.



http://askgloriawems.com/save-to-invest/

galaciousbabe:
Pls do u hv any idea what union bank test is like?

Check this


https://www.nairaland.com/4162468/union-bank-2018-management-trainee/5

https://www.nairaland.com/4089662/workforce-union-bank-dsa-test

All the best

Do you know how to calculate your net worth or you are possibly unfamiliar with? Well, I will put you through that. Read on to understand how to calculate your net worth.

What Really is a Net Worth
In a simple term what you have left after subtracting your assets from your liabilities is your net worth. In another word, the summation of all your possessions from your cash to your home value, and then deducted from your debts, namely mortgage, car or credit card.

How Do You Calculate Your Net Worth

Now that you have understood what is meant by net-worth, what next is learning how to calculate your net worth. From the definition, you should have identified that the process of calculating one's net worth is simple, but you should never escape adding all information including your liabilities and assets.

It is even recommended by financial planners that there be a folder to keep the list of all financial assets and liabilities and must review for update each year. If you have not, then you need to get to work now.

But the collections of information can be mind-boggling, hence the moment you do, ensuing addition will never be much. One more thing before we get started is, be sure that close-trusted family relatives, most importantly your wife and children have open entry to it when an information is needed.



1. Calculate Your Assets
 To make this easier, begin by listing out first your largest assets. What a business owner would see as an investment might be different from an employee. ensure that accurate evaluation of your assets in dollars.
 You will be required to gather all latest statements for more liquid assets owned.
 The next is listing out other high valued personal materials.
 The last part is to add up all that you have listed out; that is your total asset.

2. Calculate Your Liabilities
 Just as you did with your assets, start with the most superior liabilities.
 Then the next move is to calculate all personal liabilities. This includes loans and balance on your credit card.
 After listing them out, then add up all the liabilities; that is your total liabilities.

3. Deducting Your Assets From Your Liabilities
 Subtract all the total assets that you get from the total liabilities. Therefore, what you have left is your net worth. What will you do if all your net worth arrives at a negative, it is telling you that you have a negative net worth, whereas, a positive net worth is a positive net worth!
The beauty of calculating you're net worth is just to help visualize what you can compare with the future. Then, what is next expected?

 Repeat the process at least once in a year. This is paramount to tell you where you have to work more. It will reveal if there are outstanding progress. There is no harm in working towards having a more positive net worth. As you do it yearly, you will keep an eye on it.

http://askgloriawems.com/know-calculate-net-worth/

9jaPromo:
Thanks

Uwc

duroc:
Awesome

Thanks

phil5:
hello house can i withdraw exactly 10 usd from bodis. thats the amount in revenue volt.

Hi Phil kindly reach me on whatsapp zero nine zero seven eight two three four one zero eight. Thanx

There is no perfect person on the earth. That said, we are all not immune to mistakes. Mistakes vary in categories, however, financial mistakes can make life full of burdens and strife. For that reason, learning from other people’s mistakes create room for strict policy adherence to a great financial lifestyle Here below is an explanation on how to avoid common financial mistakes.

Ways to Avoid Common Financial Mistakes

1. Savings First: You may be tempted to say that you will live within your means and thereafter if you have something left after expenses, then you will then save it. That is one big mistake people make.
Not saving fist is a clear indication that you are far off from planning how best money is being utilized. Whenever you obtain your wage or monthly income, before any expenses, savings should first come in thought. So plan about how that can be actualized, it will instill in you good ways on sticking to it.

2. Plan For Retirement Now: Most people have nothing to fall back on after retirement, and in fact, if they ever have, it is not something significant. They may think that “I still have plenty of times to plan for retirement in the future,” believe me that time will never come. Start it now, that is just when you can have the best of time. Retirement is no dream, it is real, if caught uninformed, you may have to suffer forever. You have less time, now is the time to invest with retirement in view.

3. Think About Life Insurance: Many people may think that they are incapacitated to handle “life insurance.” They feel that life insurance is expensive and in turn, it doesn’t come in thought. However, these set of people might have investments. So if you are a working class and you still earn some income, cling to this asset and immensely protect with life insurance. Investigate into the cost if it is something you can afford.

4. Verify How Much Spending Goes on Health And Dependent Cares Each year: One great financial mistakes many make is not having a clear summary of yearly spending on health and other expenses. When you have an idea about how much you spend yearly, it prepares you ahead of next year. Then it will also afford the opportunity making wise-decision with income earned.

5. Create a Section For Emergency Fund: At any rate, you should never joke with an emergency fund. An emergency fund is a fund you fall back on during crises. As long as you still earn, it is important that you have at least three-six months of savings solely established for emergencies, and must be easily accessible. If you do not have that now, start it with your next earning.

6. Now is The Time To Invest: If you are waiting on the best time to save, you are strictly deceiving yourself. There is never going to be a time like that. The time you have to invest is now

http://askgloriawems.com/avoid-common-financial-mistakes/

The Internet is filled with scammers. And many Nigerians fall victim of these wicked people who try to scam innocent Nigerians of their hard earned money sending them links to click.

I've taken my time to get the correct website of all banks in Nigeria.

NOTE: Any website contrary to this is a cloned site and should be avioded.

ZENITH BANK PLC
https://www.zenithbank.com
DIAMOND BANK PLC
http://www.diamondbank.com
FIRST BANK NIGERIA LIMITED
https://www.firstbanknigeria.com
ACCESS BANK PLC
https://www.accessbankplc.com
ECO BANK NIGERIA PLC
http://www.ecobank.com
CITIBANK  NIGERIA LIMITED
http://www.citigroup.com/citi/about/countrypresence/nigeria.html
FIDELITY BANK PLC
https://www.fidelitybank.ng
FCMB PLC
http://www.fcmb.com
SKYE BANK PLC
http://www.skyebankgn.com
STERLING BANK PLC
https://www.sterlingbankng.com
UNION BANK OF NIGERIA PLC
https://www.unionbankng.com
WEMA BANK PLC
http://www.wemabank.com
HERITAGE BANKING COMPANY LTD
http://www.hbng.com
STANBIC IBTC BANK LTD
http://www.stanbicibtcbank.com
STANDARD CHARTERED BANK NIG
https://www.sc.com/ng
GTB PLC
http://gtbank.com
KEYSTONE PLC
http://www.keystonebankng.com
UBA PLC
https://www.ubagroup.com/
UNITY BANK PLC
http://www.unitybankng.com
JAIZ BANK (  NON INTEREST BANK)
http://www.jaizbankplc.com
PROVIDUS BANK
https://www.providusbank.com

http://askgloriawems.com/list-of-nigerian-banks-and-their-official-website/

Do you write books? Are you aware that you can make money from selling your books without the needless stress of looking for buyers all day? Most writers have shelves filled with books written that have both good contents and quality, but failure to find a good market for their work has either killed the passion or turn them to just a random writer. This article will be targeted at informing you on how to sell your books and earn more than you would ever imagine.

Amazon Kindle Publishing is the chief tool we will be exploring. We will discuss in details how you can start making money from your books by selling them there, and how to go about this. At the end of this article, I’m sure you will be making plans to make your first sale.

Step I
Entering Book Detail

The first step in making money on your books by selling them on amazon kindle is entering your book details. At first, you need to enter book details, this details will define what your book will look like.

Title: The title of your book must be entered as this is essential for people to understand what your book is about. Your title is the first way to arrest your audience, without a good title they won’t be interested in reading your book.
Description: Your book description does further work; it informs your audience about the content of your book and what they stand to benefit from reading it.

Language and Category: This is also very important, your audience needs to be informed about the language they will be reading your book in and also know the category the book falls into. Your book may be a poem, poetry or a textbook amongst others. Having a foreknowledge will help readers build an appetite for reading the book.

Age range/restrictions: It will be unsuitable for a 10years kid to start reading a romance book. Putting age range or restriction on your books while posting will help direct the information to those affected and not causing problems for families with underage children.

Step II
Verification and Pricing details

The other step needed to be taken when trying to make money from selling your book on Amazon Kindle is the verification and pricing detail.
Verification: We could all bring someone else’s book, post and start making money from other peoples work, but this won’t make any sense. Because of this, you will be required to pass through a verification process to prove that the book in question belongs to you. Then you will be required to select a market for your book maybe it will be opened worldwide for readers or only in some selected territories

Pricing: The next step is naming the price of your book. This also involves two steps
I. Choose royalty option for your book
II. Choose a price for your book. This is done in USD alone; other conversions will be automatically done for you.
Amazon provides strong incentives for you to price your books, this help owner to maximize their sales. The price range at first should be between $2.99 and $9.99 to get a maximum royalty of 70%. This price can be altered though.

As soon as you become conversant with the system, you can then start deciding how to go about it. More information on royalty fees which varies from time to time can be received from Amazon Kindle administrators.
Depending on what your book is based on, the prices of books differ, and you must be informed of this so that you wouldn’t sell a rare gem for a peanut sized fee.

After submitting your book and other necessary information, within twelve hours of submission it would be seen online for purchase.
One other good thing about uploading your book on amazon kindle is, after posting it online and you find certain errors be it grammatical or spelling you can easily edit and repost it.

Posting your books online is as simple. Amazon kindle saves you from unnecessarily wasting your time on finding buyers for your books, thousands of people are there online waiting for something to lift their spirit or something to learn from. This you’ve done and this should be making you rich. Note the success of your posted books depends on how accurate your writing is.

http://askgloriawems.com/can-make-money-selling-books-amazon-kindle-publishing/

Follow for follow .. kindly follow

https://steemit.com/@askgloria

Are you a graduate, unemployment and has what it takes to secure a job in a bank ? Then you’re in the right place.

Below is a list of recruitment agencies that are affiliated with certain banks and actually help in the recruitment process.

Gr8Jobng

Gr8Jobsng is the first of its kind recruitment and HR services platform in Nigeria and Africa, offering a range of services that make top notch professional HR services available to you.

Affilate bank: Diamond bank.

Address: No. 5, Ogbunike Street, Off Admiralty Way Lekki Phase 1, Lagos Nigeria

01-277-8960 | 0818-8000-800 info@gr8jobsng.com

Website : https://www.gr8jobsng.com

ICSL

Integrated Corporate Services Limited is Nigeria’s leading Human Resource Outsourcing provider. Incorporated in August 1994, They offer a comprehensive range of outsourcing services ranging from People Outsourcing to Sales BPO. They provide bespoke Business Support Solutions to all kinds and sizes of business.

Affilate banks: Diamond bank, First bank , Gtb, Standard charted, Union bank, Stanbic, Sterling , Skybank, FCMB, Keystone, Access bank.

Address : No. 6, Olusoji Idowu Street, Ilupeju, Lagos.

Call: 09087222874, 01-2801547

info@icsoutsourcing.com

Website: http://www.icsoutsourcing.com

WORKFORCE GROUP

Workforce group is a diversified Human Capital, Outsourcing and Business Consulting Firm, with expertise in Staffing, Recruitment, Training and Assessment.

Affilate Banks: Diamond bank, Citi bank, Eco bank, FCMB, First Bank, Gtb, Heritage bank, Stanbic , Sterling bank & Union bank.

Address : Plot 9 Gbagada – Oworonshoki Expressway, Beside UPS, 100234, Lagos

Call: 08143332223

Website : https://workforcegroup.com

SOL

SOL is a professional outsourcing company offering unique results-driven services to their clients nationwide.
They commenced business in year 2006 as Nigeria’s premier sales outsourcing company providing Direct Sales Executives to companies for the retail sales of their products and services. Over the past years, the company has built a record of excellent service with all its clients.

Affilate banks : Fidelity bank, Access bank, Unity bank, Diamond bank, Sterling bank, Heritage bank, & Skye bank.

Offices Nationwide

ABUJA
34, shetima munguno crescent, berger yard, Utako , Abuja . Beside Redeem Upper room plaza.

Phone Number: 08072190648,07032682593 APAPA
Ground Floor , IAL Place, N016 Burma Road Apapa Lagos.

ASABA
N0 1 Monday Ani Street Opposite Tonino Petrol station Asaba Benin Expressway Asaba.

BENIN
N0 1 Hope Crescent, Adjacent NSCDC, Edo State Command off 1st Ugbor Road, GRA Benin City, Edo State.

IBADAN
84, Emmanuel Alayande Street, 1st floor, Samsung Store, Opposite UBA, Iwo Road, Ibadan.

OJOTA
Jolade House 28 Ogudu Road Idi Aba Bus stop Ojota Lagos.

KADUNA
First Floor, Suite 111, Bank of Industry Building Muahammed Buhari way (former Wolf Road)

LAGOS ISLAND
3rd Floor, floor, 27/29 king George Road Onikan Lagos

MAIDUGURI
B12, Zara City Plaza, Lagos Street Opposite Bar Beach Filling Station, Bama Road, Maiduguri.

SOKOTO
3rd Floor, Suite C37, City View Plaza 21A Sultan Abubakar Raod , Rijia Dorowa, Beside First Bank , Diplomat Area, Sokoto

PORT HARCOURT
Emmanuella Plaza, 247 Abuloma Road Port Harcourt

OWERRI
No 9(old 11) Uratta Street|Off Wetheral Road 1st Floor, Left Wing, Owerr Imo State- Nigeria

JOS
D10 DENTECH PLAZA last floor, Beside Civil Defence head offic|Millionaire`s Qtrs junction, off British America| Jos|Plateau State

KANO
7 Bompai Road,Opposite Kano State Pilgrim Welfare Board|Bompai Kano|Kano State

Website: http://www.solnigeria.com

VIC LAWRENCE & ASSOCIATES

Having started some 23 years ago (July 1993), they have been leading the way in human resources related solution for businesses in Nigeria. They have grown and built an enviable expertise in Learning, Training & Development, Recruitment & Selection, Outsourcing, Strategy & Business Support, Testing and Assessment and HR Solutions.

Affilate banks : GTBank & First Bank

Phone: +234-01-4617223, +2348034036001

Email: info@viclawrence.com

Address:

Lagos:
Plot 1690B, Buraimoh Kenku Street, Victoria Island, Lagos, Nigeria.

London:
3, Kings Court, 523 Finchely Road, London NW37BP, UK

Abuja:
Discovery Mall,
Box Office A01, 2nd Floor
Plot 215, Adetokunbo Ademola Crescent (Opposite AP Plaza),
Wuse 2, Abuja.

Port-Harcourt:
Plot 2A, Peter Odilli Road, By Sasun Roundabout,
Near The Promise, Trans-Amadi,
Port Harcourt, Rivers State.

http://www.viclawrence.com

Guidelines on how to secure a job with these agencies coming soon.

Please note that most jobs are contract base. If you want to secure a full-time employment with a bank you are most likely to apply through the bank directly.

http://askgloriawems.com/top-5-recruitment-agencies-for-most-nigeria-banks/

Godwinfury:
Educatively Educating, now I understand better.... Thanks for this.

You're welcome

The difference between a debit card and a credit card is where the cards pull the money when a purchase is made. A debit card holder can use his/her card to make purchases, provided he/she has funds available in the account while a credit card is offered to those who fulfil various eligibility criteria. A separate credit card account is opened in which the credit limit specified by the lender is available.
Understanding the difference allows you to make wise financial decisions.

DEBIT CARD

Debit cards can be used at ATM machines to withdraw funds that are already available to you. The money will be debited from your savings/current account in real time. If you do not have sufficient funds in your account at the time of making a purchase using your debit card, the transaction will not go through except the account is linked to an overdraft account.

CREDIT CARD

You will have to make a monthly payment at the end of your credit card billing cycle, where you will be required to make a payment towards your outstanding amount. Financial institutions look at your credit score before approving a loan or a credit card, as the score is used to judge whether or not you will be able to repay the loan or outstanding amount on your credit card.


Credit card is the loan that the bank provides you at the time of making a purchase.

Below are the differences between a debit card and a credit card.

Debit card: This takes money directly from your account when you buy something via POS or make withdrawals using the ATM.

Credit card: Only credit available in the credit card account can be used to make transaction.

Debit card: Repayment of fund is not required.

Credit card: Repayment of outstanding fund is required.

Debit card: Don’t have access to overdraft

Credit card: Overdraft facility is available. However, an overlimit fee is chargeable.

Debit card: Charges include processing fee, annual fee, etc.

Credit card: Charges include processing fee, annual fee, late payment fee, prepayment penalty etc.

Debit card: A savings/current account holder can can request for a debit card without fulfilling any lenders eligibility criteria.

Credit card: In order to get a credit card, the customer must fulfill the lender’s eligibility criteria.

Debit card: Transactions made on a debit card does not affect an individual’s credit history.

Credit card: Transactions made on the credit card is reflected on an individual’s credit history.

Debit card: This can be used anywhere, but requires access to real-time funds.

Credit card: This can be used anywhere and function like mini-loans.


http://askgloriawems.com/1169-2/

I’m writing on this topic because I’ve been a victim of not taking a calculated risk.

All of mans’ endeavors carry some risk but some are riskier than others. Why? The actions of today have consequences: It is the reason why doctors tell us to stay away from drugs (hard drugs).

A risk is a consequence of an action(s) taken in spite of unpredictable, uncontrollable future or outcome. Saving is an action, Spending is an action and Investing is an action, hence, they come with their consequences. Risk can have a positive or negative effect on a set of goals, take, for instance, you are saving now to be able to pay your children school fees in the coming years, you are not sure of what will happen in the coming years (the uncertainty), yet you are saving the money. You do not know if your children will even want to further their education, yet you are saving. In this case, you are not losing as you would still have your money, but in other cases, you might lose part or all your money. That is what risk is about, gain or lose.

Risk has potentials. The potential for risk to have a negative or positive effect on goals is an important concept. It is natural for people to fall into the trap of thinking that risk have inherently negative effects. Such thought is deceitful because if you embrace those risk that creates positive opportunities, you can fulfill lifetime goals and dreams. Uncertainty is at the heart of risk. A risk is only taken when you are uncertain of the outcome, otherwise, you have not taken any risk.

However, there are different types of risk, but we are concerned with financial risk. Financial Risk is the chance or possibility of having a lesser return on investments. That is, an investment’s actual return might differ from the expected return. The greater the potential return one might seek from an acquisition, the greater the risk one generally assumes.

Risk plays an important role in Personal Finance. For example, you need a new android phone, you can either buy a brand new one or a fairly used. Getting a new one gives warranty and assured quality (generally safer), hence, reduces risk and price is higher. More-so, getting the other type is riskier and the price is lower. Prior to the acquisition of an item or a product, a certain value is expected in return, so, there is a chance of gaining little or no value on the item or product acquired.

Different people can take the risk to a certain degree, the more risk one takes, the higher the chances of making more money and vice versa. We have to take the risk, it is how greatness is borne. Yes, take the risk: to start a new thing, to start a new business or do an old business in a new way but be sure it is a calculated one.

Accordingly, the term risk attitude, appetite, and tolerance are often used to describe an individual’s attitude towards taking a risk. How much risk you can accept is known as risk appetite. Your attitude can be risk-averse (hostile to taking a risk), risk – neutral (middle of the road when it comes to taking a risk), or risk – seeking (always looking for risky businesses), while risk tolerance looks at acceptable or unacceptable deviations from what is expected. Due to the potentials of risk (negative or positive), it is therefore important that one learns the art of risk management.


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To stay financially safe, it is best to maintain financial integrity through personal finance management.

Lazarus was a salary earner, he earned enough to live good. He was alone on his earnings until he decided to raise a family – a great step. He married Rebecca, a sweetheart from the same organization. It was all fine from the onset. Both were paid equally and robustly. They usually had more than enough, hence, they would buy luxuries just to keep up with their paycheques. Five years later, they had three children, they felt they should nurture them in accordance with their lifestyle. Things changed, they did their best to keep the standard as there was nothing but a little rise in their salaries. They did not save for the future. They couldn’t afford the luxuries anymore, they entered the unusual mode of survival; one that is alien to them. They couldn’t keep up, salaries started coming later, expenses are higher and lifestyle cannot be lowered: they had unresolved issues night after night.

The family (Mr. and Mrs. Owolabi) had to divorce five years later. It was so sad to see a once sweet and lovely family turned bitter. People never understood the real cause. They did not know that the family went bankrupt and both parties were not willing to take their respective share of the blame. Although they were educated, they were financially uneducated as they couldn’t manage their personal finances.

Personal finance means monetary management which a person (an individual) or a family unit performs. It involves making plans for the future through savings, while also maintaining a good life through budgeting, taking into consideration money earned, values of things purchased, costs of possessions and how they affect the future.

When planning personal finances, the individual would consider the suitability to his or her needs, that is, favoring needs over wants. Priorities must be set. A good planning is needed for all daily, weekly and monthly monetary transactions. Remember the saying, “a man who failed to plan has already planned to fail,” therefore, to stay financially fit, one must plan to efficiently manage his money.

Are you having a family? Then you must ensure that every member is sensitive to money management through self-consciousness. More-so, having personal finance principles take control or influence your spending and earnings (financial behavior) is of great importance. These principles include: salary is not savings, financial planning is now and for everyone, spending must be below earnings and must not equal or above earnings, every item acquired must come cheap and of best quality, and finally, a goal must be set for savings (examples include investment for retirement, children school fees, medical bills et al.).

Personal finance management helps you make more money and also helps you save more money. Having a low salary doesn’t make you poor, likewise, having a high salary doesn’t automatically make you rich, how you manage your finances will decide where you belong.

Personal finance management is personal, everyone must engage in it. A family should talk about money, bad debts should be avoided (items not essential and purchased on loans), and generally, debts should be avoided. The goal of this science is to make one financially independent, stable and comfortable. You will be able to track your income, your expenses and your savings with this technique. You will also be able to choose your lifestyle in accordance with your plans, as you will know that all your expenses must not be greater than 50-80% of your earnings.

Age is just a number especially when it comes to finances, children are not exempted from this system of personal finance management. Almost all of them will follow the financial principles their parents taught them, because of the foundation matters. Teenagers and adults need to plan wisely and prepare for the future; theirs and their generations. When the future is considered, everyone must play a role through individual cash management and delayed gratification – all can be done by maintaining a standardized personal finance.

Personal finance is one’s life and it must be protected.

Well, after so much pain, Mr. Owolabi decided to figure out what went wrong with his finances. He discovered his mistakes: The unnecessary trips, the unneeded luxuries, the undervalued expenses and most importantly his short-sightedness regarding his family future.

He did not practice the science of money management, he relied so much on his salary, he did not plan ahead; he failed to adhere to personal finance management.

Many were once rich and now poor, many footballers, many musicians, many actors and actresses, so many, even with the fame and stardom couldn’t save their future, many like Mr. Owolabi missed it because of their ignorance about PERSONAL FINANCE.

Personal finance is the key to transforming your life from that poor thing to that rich elite. If you are already an elite, personal finance will help secure your position.

It is never too late to start, maintain your personal finance now, so that when the tables finally turn, your spot, your share, and your future will be strengthened and secured.

http://askgloriawems.com/take-charge-of-your-personal-finances/

How can you save when your bills exceed your earnings?

It is impossible. Hence, you must lower your bills to be able to save and save more.
To save is easier said than done. You can actually increase your monthly savings by reducing your bills to the minimum, such that everything you need is covered and more money is available for savings.
In my post about personal finances, I wrote that “your expenses must not be greater than 50-80% of your earnings” to maintain a lifestyle that addresses your finances.

Take note. Therefore, the steps (ways) below will help you reduce your bills and increase your savings percentage by the month, more so, will keep you away from debt zone.

1. Buy Only What You Need: Do not buy because your friends (people) are buying. Do not buy because the commodity is in vogue. Don’t buy if you do not need it. There is no point buying an I-phone X when you own I-phone 7. Buy only what you need and not what people want you to buy. Necessities such as food, clothing, medicals et al. should be your reason for spending.

2. Buy for The Future: Step 2 and 1 are related. They work hand in hand. When buying only what is needed, you must also consider the future too. So, if you are buying now, it means, you are buying the future too. If buying now will not solve the future need of such item, then it is not a good acquisition. Whatever you desire must be of quality and must be durable. For example, if you are buying or preparing a meal for breakfast, the meal must truly serve its purpose of eliminating hunger till noon as it provides the adequate nutrients. Other examples here include payment of electricity bills, buying household gadgets and electronic appliances, payment for gas and other services. You must be wise, but because it will be useful now and later.

3. Always Get Quality At A Cheap Price: This is so possible, you have to be price and quality conscious. Because it is a quality product doesn’t mean it should be expensive. Sample the prices of a product from different outlets (Shops, Stores, and Online). Go for the least price and best quality. Expensive doesn’t guarantee quality too. Do not buy more than needed because it is good and cheap, if you do, you will end up wasting it.

4. Cut Your Budgets Regularly: Be careful, otherwise, the more you earn, the more you spend. That your salary has been raised doesn’t mean you should also raise your monthly budget too. Instead, the increment should be diverted to savings. Don’t change your subscription plans for Internet and Cable TV because you now have a pay rise. Stick to the plan always. Your spending and budget should be monitored regularly to see what expenses can be removed or reduced.

And finally,

5. Be Disciplined: Steps 1 to 4 cannot be followed without this last step. Discipline is needed to condition your thoughts, , and mind to bills reduction. Buying stuff you don’t need,  getting more than needed and other bad spending habits can only be stopped by being disciplined. Discipline helps to curb spending excesses.
By following the steps above, you will lower your bills, eliminate debt (if you have one) and have more money to be saved.

http://askgloriawems.com/lower-your-bills-and-save-more/

Why go to the bank when you can make your complaints & get the latest infomation of your bank via social media?

Below are the ” Verified” social media handle of all banks in Nigeria.

DIAMOND BANK

Twitter
@DiamondbankHelp & @DiamondbankNg

Instagram
@Diamondbankng

Facebook
@Diamondbankng

FIRST BANK

Twitter
@FirstBankngr
@FBN_help

Facebook
@firstbankofnigeria

Instagram
@firstbanknigeria

CITIBANK NIGERIA LIMITED

Twitter
@Citibank

ECO BANK 

Twitter
@GroupEcobank

Facebook
@EcobankNGR

Instagram
@ecobank_group

FIDELITY BANK PLC

Twitter
@fidelitybankplc

Facebook
@FidelityBankplc

Instagram
@fidelitybankplc

FIRST CITY MONUMENT BANK

Twitter
@MyFCMB

Facebook
@FCMBMyBank

Instagram
@myfcmb

GUARANTY TRUST BANK 

Twitter
@gtbank
@gtbank_help
@gtbanks_cards
@gtbank_careers

Facebook
@gtbank

Instagram
@gtbank

HERITAGE BANK

Twitter
@heritagebankltd
@HBCustomerCare

Facebook
@HeritageBankNG

Instagram
@heritagebankng

KEYSTONE BANK

Twitter
@keystonebankng

Facebook
@keystonebank

Instagram
@keystonebankng

ACCESS BANK 

Twitter
@myaccessbank
@accessbank_help

Facebook
@AccessBankPlc

Instagram
@myaccessbank

SKYE BANK

Twitter
@SkyeBankNigeria

Facebook
@skybanknigeriaplc

Instagram
@skybankplc

STANBIC IBTC

Twitter
@StanbicIBTC

Facebook
@StanbicIBTC

Instagram
@stanbicibtc

STANDARD CHARTERED BANK

Twitter
@StanChart

Facebook
@StandardCharteredNG

STERLING BANK

Twitter
@Sterling_Bankng
@sterlinghelp

Facebook
@SterlingBankNigeria

Instagram
@sterlingbank

UNION BANK

Twitter
@UNIONBANK_NG

Facebook
@Unionbankng

Instagram
@unionbankng

UNITED BANK OF AFRICA

Twitter
@UBAGroup
@UBAcares

Instagram
@ubagroup

UNITY BANK

Twitter
@UnityBankPlc

Facebook
@unitybank

Instagram
@unitybankplc

WEMA BANK

Twitter
@wemabank

Facebook
@wemabankplc

Instagram
@wemabank

ZENITH BANK

Twitter
@ZenithBank

Facebook
@zenithbank

Instagram
@zenithbankplc

JAIZ BANK

Twitter

@Jaizbank

Facebook
@JaizBankPlc

Instagram

@jaizbankplc

PROVIDUS BANK

Twitter

@ProvidusBank

Facebook

@ProvidusBank

Instagram

@providusbankig

 
http://askgloriawems.com/social-media-handles-of-all-the-banks-in-nigeria/

Both young and old who are active users of the internet are opened to several streams of income via freelancing. A freelancer works ‘ self-employed,’ and not necessarily a long-term dedication to an employer. The primary interaction is basically ‘clients to workers’. Hence upcoming and long-term freelancers are seeking for how to make money online as a freelancer in Nigeria.

There is a broad range of services that freelancers can opt-in for. It could be writing, web-designing, transcribing translation, video editing, web designing, typesetting, songwriting, graphic designing and many more services opened to freelancers.
The primary motive of freelancing is fetching money to offset bills. Therefore, knowing how to make money online as a freelancer in Nigeria demands true and real answers.

Frankly speaking, you need not think of reading magical tricks to establish your understanding on how to make money online as a freelancer in Nigeria, you sure will be opened to the brilliant suggestion that is working for many Nigerian freelancers.

Guides On How To Make Money Online as a Freelancer in Nigeria

The following are steps needed to teach and enlighten you on how to make money online as a freelancer in Nigeria. Bear in mind that the more clients you have the more money you will make.

1. Pick Your Niche: In the freelancing world, your niche is the most foremost thing you need to consider. It is mandatory that you do not pick any niche that is popularly talked off perhaps basing your conclusion on online trends. Rather, it should be based on your creativity in that niche and how fast you can learn it. Those two should guide your niche selection to ensure making more money.

2. Choose The Best Freelancing Websites: Freelancers have a wide array of freelancing websites that clients are constantly seeking for competent workers for projects handling. Presently there are more than fifty(50) genuine freelancing websites, therefore seeks for the one whose terms and agreements suits your working pattern if most especially you thought of making it a side hustle. Meanwhile, it is no crime to ask questions on blogs and forums about one where you can get more clients in your category. In Nigeria, for example, freelancer.com, fivers.com upwork.com, elance.com, nairaland.com and writers( you get clients mostly at night) are popular websites to check in as a Nigerian to get more reasonable clients.

3. Be Committed: Commitment is a key factor in the freelancing world as a Nigerian. Keep your attention focused on delivering your best to clients. If working for more hours would guarantee clients retention, stick to the pattern. With time, you will do better if not poring your best. If your clients sense how committed you are, they will look no further. The more clients your accumulate, the more money you will make.

4. Keep Improving: Many clients would want an upgrade in services rendered. As you keep on working with ‘clients satisfaction’ in view, you really need to read more, make research and enroll in programs that will build you into an expert in your Niche. The freelancing world keeps you exposed to many clients with varying requirements, therefore to handle them perfectly, maintaining an expert level is a requisite.

5. Building Endearing Qualities: Some clients could be nice or harsh, yes we are different, while some are harsh they might just be demanding for the best from you and hence will always get you more projects. So to handle varying clients, be calm, reasonable, mild, diligent and handle them maturely. Remember, more clients begets more money.

http://askgloriawems.com/make-money-online-freelancer-nigeria/