₦airaland Forum

tonjeola:
that was what stanbic charged me yesterday night, is enough explanation

tonjeola:
they ve adjust

tonjeola:
Stanbic now N221.3 @10.30pm today

lazinny:
yesterday, yes. It's still 220

Catalyst4real:
I've been active in this thread, even though I wasn't a Medical student.
God did not put me to shame. After 4 years of suffering and struggling.
I have just been offered admission to study MBBS in Abu Zaria.

The way I screamed today eh! God has finally given me a reason to smile

clinttimothy60:
Good evening everyone. Getting ready for wednesday's great win and celebration again, here is my won ticket of my saturday's fixed match which I staked, congratulations to u all who bought my games once again,now u can prove that my games are real .Next fixed games are for wednesday of (900+odds) and (50+odds), interested persons should call me now on ‎08141932142. Don't miss this next great odds and chance, because it calls for another celebration. stay bless

The race to succeed Fifa president Sepp Blatter reached a crucial stage on Monday.
Candidates had until 23:00 GMT to submit the relevant
paperwork - together with letters of support from five
football associations.
World Football's governing body has confirmed it will hold
the election to determine Blatter's successor at a special
congress on 26 February 2016.
With Fifa yet to confirm the shortlist, BBC Sport takes a
look at the eight candidates thought to be in the running.

Gianni Infantino

Age: 45

Nationality: Italian/Swiss

Status: Says he has entered his application

Years in game: 15

Current Position: Uefa General Secretary (since 2009)

Previous positions: Joined Uefa in 2000 as a lawyer and
secretary general of the International Centre for Sports
Studies (CIES) at the University of Neuchâtel

What he says: "My manifesto will be based on the need
for reform and also for a Fifa that genuinely serves the
interests of all 209 national associations, big or small, and
that puts football and football development at the top of its
agenda."

Tokyo Sexwale

Age: 62

Nationality: South African

Status: Says he has entered his application

Years in game: Seven

Current Position: Mining tycoon

Previous Positions: Anti-apartheid campaigner (jailed for
13 years on Robben Island), former government minister,
member of Fifa anti-discrimination task force, South Africa
Apprentice presenter.

What he says: Speaking in 2011 following South Africa
World Cup in 2010: "It was a great moment to see Fifa with
us [at the World Cup] but also to see the world assemble in
South Africa, the different colours of the rainbow of
mankind and send the message across the world that Fifa
is a unifying force."

Prince Ali bin Hussein

Age: 39

Nationality: Jordanian

Status: Says he has entered his application

Years in game: 16

Current Position: President of Jordan Football Association
and founder and president of the West Asian Football
Federation.

Previous positions: Former Fifa vice-president.

What he says: "The world game deserves a world-class
governing body - an international federation that is a
service organisation and a model of ethics, transparency
and good governance."

Musa Bility

Age: 48

Nationality: Liberian

Status: Says he has entered his application

Years in game: Five

Current Position: President, Liberian FA

Previous Positions: He is also a businessman, running
Srimex Oil and Gas Enterprise, the largest importer of
petroleum in Liberia.

What he says: "We all agree that football is facing a
difficult moment and it is in difficult moments that great
leaders emerge."

David Nakhid

Age: 51

Nationality: Trinidadian

Status: Says he has entered his application

Years in game: 25

Current Position : Runs his own David Nakhid International
Football School in Trinidad

Previous Position: Played professionally in Switzerland,
Belgium, and Greece and won 53 caps for Trinidad and
Tobago.

What he says: "We don't represent big money from the Gulf
nor do we represent the luxury of royalty. What we do
represent is someone who can stake the claim for a better
balance in the global game."

Michel Platini

Age: 60

Nationality: French

Status: Serving a 90-day suspension from all football
activity by Fifa, while corruption claims are investigated
Fifa says it cannot recognise his candidacy while his ban is in place and he cannot campaign. However, Fifa's electoral
committee says it may allow him to stand if his suspension
ends before the election date.

Years in game: 43

Current Position : Uefa president (since 2007) and Fifa vice-
president

Previous Positions: Played for Nancy, Saint-Etienne and
Juventus. Captained France to victory in the 1984
European Championship. Coached France between 1988
and 1992. From 1992 to 1998, he was co-president of the
Fifa World Cup Organising Committee, and vice-president
of the French Football Federation from 2000. Since 2002,
Platini has been a member of the executive committee of
world football's governing body.

What he says: "I am counting on your support and our
common love of football so that, together, we can give the
tens of millions of football fans the Fifa that they want: a
Fifa that is exemplary, united and shows solidarity, a Fifa
that is respected, liked and of the people."

Jerome Champagne

Age: 57

Nationality: French

Status: Says he intends to stand

Years in game: 17

Current position: Consultant in international football

Previous position: A former diplomat, he worked for Fifa
for 11 years as an executive and an advisor to president
Sepp Blatter, before leaving in 2010

What he says: "At a time when Fifa needs more than ever
an open debate about its future, its reform and the reform
of football, we are witnessing the first months of the
electoral campaign being dominated by controversy and
deals made behind closed doors."

Sheikh Salman bin Ebrahim al-Khalifa

Age: 49

Nationality: Bahraini

Status: Says he has entered his application

Years in game: 17

Current position: Asian Football Confederation president
and Fifa vice-president

Previous position: Former head of Bahrain FA
What he says: "I'm not looking to be an executive
president. I think we have to bring the right people in, we
have to bring the professionals to do the job."

softandmoist:
Sometimes I don't care to share this story, but I feel doing so will lessen the pain I feel with time. When I lost my dad my mom's younger sis told my mom that she wants to help me further my education. I was just out of secondary and had my baby.

I can't put down all that she did to me and the innocent baby boy.
Tell me to go to a neighbor's kiosk and collect tgings on credit, then lie to them that I misplaced the money and I will pay back. I did this so much the woman wanted to arrest me. When I asked her she told me that until I am covered by the earth like my father I should never ask her again.
She would insult my dad who wasn't even 2 weeks in the grave, call me a witch because soldier aunys entered the house.
She said I would never prosper, that no man would marry me, that my father ruined my mom's life and that how I'll end up. I can't forget, ever, even though I've forgiven her.
She'll beat me, force me to eat rubbish, as old as I was one day she just called my name and I peed on my body. It was that bad. I was like a mumu. Her baby that is just learning to talk will say I beat her, and she would beat me in return. She will tell me to feed her baby before my 9 month old baby. She said no one would imagine my son eating noodles in his life. Only pap, no milk. A growing baby.
Ah!
One day my sis came and saw me and wrote to my mom that if she doesn't come and take me away from there that she'll run away with me and she'll never find us again. That ended the episode. I forgave her.
When I was prepping for my wedding she started acting all friendly, said she knows someone who can make exotic aso oke outfits. We sent the money in August for a wedding that was to take place in December. Do you know as at Nov 30 not a single thread had been woven. I had to rush to agege to get emergency one made. She collected 70k for our 35k traditional wedding cake, told me it was 100k and she was paying for the balance.

I didn't do anything to this woman. I didn't ask to be related to her. The worst pain in my life comes from living with her. She would tell me to wash pad and reuse for menses, make me trek from Asa dam to post office.

I thank God for Me too. I have really disappointed her.

imsuboi:
Oh! That?

Men.. That thread wasn't what I expected. No though-provoking posts on there. I decided to stay on a low.

You still visit the thread?

imsuboi:
& your point is?

imsuboi:
Nope. I was at one of their branches yesterday to pay in some cash. While at it, I casually glanced at an LED indicator behind the cashier & saw the exchange rates. I must say I was surprised.

I even made a mental note to open an account there. GTBank is killing me.

imsuboi:
Oh! Is the conversation about Paypal's exchange rates?

I thought its normal dollar-naira mastercard exchange.

My bad.
Sorry folks

Rashdimuh:
how much from ilorin to kaduna cos am in ogbomosho

efilefun:
One thing I know, you can't play Nigeria Local League and be U23 laiye!!!!

Michealeni:
I'll be leaving from Lagos to Kaduna...... But am still contemplating on how I'll move.... Cuz a friend told me about a train connection from Lagos to Kaduna


So when the guy give me much details I'll inform you and what's ur plane pertaining to movement.

peterpierre1st:
Doing business is really cool but in the face of this ever-changing business environment one need to be extra careful to maintain composure and stealth confidence to avoid unnecessary pressure that often push startup entrepreneurs into some pitfalls that undermines their contribution to the nation’s economic growth and development. Here are 7 Common Mistakes Startup Entrepreneurs Make that is often responsible for the under-performance of small businesses today:

#1 Wrong Business Structure

If you make a mistake about the kind of corporate structure on which to build your business it could be detrimental to your business functions and workflow thereby make you lose out on some opportunities that can help you achieve your business goals. Entrepreneurs often neglect this at start but as business grows it can be a major limitation so, why not avoid it and get it right from start if you truly mean business.

Let me quickly explain the different classes of business structures in Nigeria;

A. Sole Trader (Enterprise) – This is the simplest form of enterprise. It does not require registration but the business owner may wish to register the business name with Corporate Affairs Commission (CAC) to ensure other businesses do not trade by the same name. This is cheap for a startup entrepreneur, as you can save few bucks at startup by just floating a name for your business venture with or without registration, as you won’t need to file accounts or returns with the CAC if you don’t register a name, and no third party intervention in your business activities, but I must warn you there are lots of risks involve; as the entrepreneur you are solely responsible for all aspects of the business, you have the greatest personal risk with unlimited liability to all debts and legal actions.

B. Private Limited Liability Companies (Ltd) – This is a legal entity separated from its owners or shareholders. Its simplicity makes it the most commonly registered business structure in Nigeria. Unlike the Sole Trader business structure, the shareholders’ risk is reduced to only the money the owner(s) have invested in the company. The shareholder(s) personal possession remains separate unless they are secured against the business for borrowing or use.
Limited liability companies are considered legitimate by the public because information is recorded at the Corporate Affairs Commission and this gives the business a level of transparency which is beneficial in terms of public confidence.

C. Public Limited Liability Companies (Incorporation) – Just like the Private Limited Companies, this is the public version. With a public business structure, you can sell shares to the public and may be quoted on the stock exchange. The cost of running a public limited company is considerably higher hence, the reason it is for larger corporations.

D. Companies Owned By Guarantee (Not for Profit) – This is the type of organizations formed for not-for-profit kind of businesses. They do not have share capital, and members do not own the company. No profits receive as all income is used for the day to day operation of the company to achieve its business goals and members do not hold claim on any of the company’s assets.

For an in-depth advice and further clarification on which kind of business corporate structure will be beneficial to your business line, you can contact me by sending your request to spa@spabusinessplaybook.com it’s FREE.

#2 Lack of Record Keeping and Information Management

Poor record keeping and lack of information management are very pronounced among small businesses today. Few business owners do not prioritize record keeping and very few that did do it unprofessionally while other think it’s not necessary. Record keeping is the life line of any business, whether a hundred thousand Naira worth business or a Multi-million Naira worth business without record keeping such business is going to die a natural death in matter of time.

Don’t start that business if you have a little or no knowledge about how to keep sound records of your business activities, from the smallest item to the most expensive asset of your business must have its ink in the book of life (Record books).

As far as record keeping is concern business owners have two options; Do-It-Yourself or hire an accountant or a book-keeper, you can even adopt both. Contact us at SPA Business Playbook for a simple easy-to-use account and book keeping software that can help you keep tabs on all your business activities to avoid under-performance due to lack of record keeping by giving your business a consistent, clean and sound record it deserves.

#3 Fund Mismanagement

So many entrepreneurs has turned their businesses to an ATM, they draw cash from the flow anytime and justify spending as profit. In fact, in some business account books, Owner’s Draw (cash drawn against the owner of the business) carries the highest figure. To be candid with you on this, cash handling and fund management requires self-restraint and discipline, without them you cannot go far in business.

Financial management has been identified as the biggest problem of small businesses and many businesses have suffered setbacks, in some cases it is outright closure due to the problem of fund mismanagement. It is mandatory and important to separate your business account from your personal account, never spend the cash earned from your business on nothing else other than the business itself except your due portion in form of wage or salary.

#4 Lack of Requisite Business Skills & Knowledge

Let's not deceive ourselves, although, formal education is one way to acquire management skills but experiences has shown that this does not guarantee business success. To avoid a massive business failure, extra effort is required to learn firsthand the various entities peculiar to your business line. Make no mistake, what matter in business is not the idea but how to make the idea happen and that comes with relevant experiences through learning, reading, private business coaching and training as an apprentice or intern if necessary and required.

You should also not hesitate to consider strategic partnership with someone who possesses necessary skills and knowledge that can complement you to achieve your business intentions and goals.

#5 Wrong Products and Service Pricing

Often times most startup entrepreneurs fail to understand the value of their goods and services. They price low on their products in a bid to attract more customers and later discover that the resources expended on rendering the service or production does not justify the price tags and the income.

Under-pricing your products and services is a killer to the venture, so is overpricing. It is better to get it right at first than to miss this important part of your business process and struggling later to raise the par to where it should be. Don’t be naive about this at all, there are lots of resources online to help you determine the current market value of your goods and services and we at SPA Business Playbook will also be happy to help you out on this.

#6 Misguided Customer Service and Relationship

There are lots of Business owners that have misguided understanding on the concept of customer service and relationship to a level that they want to impress their customers and end up in a serious flop that they never regain from. In business, it is better to under-promise and over-deliver. Don’t be too shy to engage your clients and customers in a frank conversation. Avoid timidity and fear of losing them, customers often appreciate a straight to point response, make them understand what brought about the added cost if necessary and you will be surprised that some customers won’t mind paying for the added value if justified.

This misconception is the major cause of the point #5 mentioned above and many other naive actions such as not knowing when to say NO and turn down offers that is not business friendly. Don’t get me wrong, it is good to gain more customers and retain existing ones but it is dumb and more dangerous to ignore the fact that customers respond to values and not empathy.

#7 Unrefined Business Model

Another common mistake entrepreneurs make is stickiness to one particular way of doing business in this ever-changing business environment. This is one major reason many business owners lose out on some major opportunities this digital world of business presents. Ability to change and adapt quickly to the changes in the market space is a lucrative skill an entrepreneur must hone in this generation.

Many entrepreneurs are too primitive and unrefined to adjust their business model to match the on-going social media platform revolution. So many businesses are hitting it hard and enjoying breakthroughs online by getting more leads and sales. Don’t be too defensive, look into your business processes, and make necessary adjustment by responding to the behavioral trends of consumers. Get feedback and use the responses to refine and develop a viable business workflow.

Final Thoughts and Game Plan

The under-performance of small businesses today has undermined their contribution to the nation’s economic growth and development because of these common pitfalls discussed above.

Get requisite knowledge about your business line. It is not about the Idea, it is about making it happen.

Choosing the right business structure will save your business from missing out on opportunities.

Avoid under-pricing or overpricing of your goods and services, it is a killer.

Ensure you separate your business account from personal account, so you won’t mistake earnings for profit.

Go get the required record keeping knowledge or hire an accountant to save you the entire headache involve.

Conduct business survey, get what is trendy in the market and use the feedback to refine your business process accordingly.

Business can be very challenging; it will be an additional burden to be defensive in your approach.

BE GUIDED!

See you in the comment

Let's connect:

Website: http://www.spabusinessplaybook.com
Facebook: https://www.facebook.com/akinbowale.peter
Twitter: https://twitter.com/PeterAkinbowale
Google+: https://plus.google.com/+PeterAkinbowale/about
Linkedin: https://www./activities/peter-akinbowale+0_1Ma0BSmHrRUUPIvlpidm-r?trk=mp-author-h

Anasko:
2 hrs 30 mins for commercial but 2 hrs on private

gigifleur:
This is a great idea. ABC apparently doesn't go from abj to kd

ningo:
sir,

"can me and my friend become a milli 0naire
from doing this online business?"

That was the question, one of my
student ''paul'' asked me about
3 months ago...

And like most newbies, he has
already tried several online money
making programs like

- surveys

- referral

- HYIP

- Paid to read emails

- Data entry etc.

But none worked.

They made him a fool of himself. He spent
m0ney buying crappy ebooks and
guides that do not work but even tend
to confuse him and make him lose
more m0ney.

Can you imagine?

Truth be told, I fell into that rubbish too!

Some 4 years ago, I tried different
MLM programs, and many stuffs
that didn't work for me.

But just ONE internet business made me
good income...

That is the same business that worked
for my subscriber "paul"...

I mean the business of importing from asian company, uk and Dubai products that he started selling
using his mobile phone

I helped him with my ''importation guide'' and I am doing it for only 20 people

(16 slots are gone already... so just 4 people left
to register and benefit from it)

See details here:
http://incomebusinessfornigeria.info

No, the business didn't turn him into a
millionaire overnight...

But at least he started making an
extra legitimate income of N60,000
every month

Even at times, he sells up to 4 of his imported products in just
a day... and earn over N10,000
almost everyday

tumababa:
finally got a response from sterling. asking for card details and bvn. lets see how it goes.

tumababa:
i have mailed. no response. it was when i called that the guy told me the normal crap about exchange rate difference in buying and selling of dollars

tumababa:
they charged me at ₦ 220.1 and refunded at 178.1

Durentt:
yea, but is medicine really so difficult?

Durentt:
Yeah finally found a thread like dis am a science student but didnt do biology at o'level and jamb and want to go for medicine.
I see myself as not too intelligent and decided to go for electrical am now a 100lvl student but still want to do medicine. I have intention to write anoda o'level including biology and write jamb again.
Wat is jamb cutoff for medicine, and wat school can i choose dat wont suffer me in admission pursuit. Do u advice me to continue with my electrical or forget everytin and start again with medicine.
Thanks