Bros rush Abuja if you have small change . I'm abuja base. I live in news engineering opposite citec estate. Peace, calmness and serenity is in Abuja. I came for business here in Lagos. Im already fed up. If you want to live long, don't stay in Lagos. With right connect, you can get a big brake in abuja. Lagos is always the struggle continues.

My advice for you is very simple. Don't listen to those guys on naira land that does not know what marriages is all about.
I understand your pain. I will first fault you on this. Most of you when you are dating a man, instead of you people to focus on the main thing that will come up in marriage, you will focus on buying me a phone, clothe, taking my to restaurants etc. There is a need for saying this . it is because of the young ladies that are not married yet so they can learn. I am a man. When you are dating a guy and you notice any character you don't like, tell him and don't overlook it because the guy is giving you something.
Then to solution
If his behaviour is truly a threat to your life, give him a break for now. Some men brain come to normal when you leave then for sometimes.
If he begs you and you come back and he does not change for some months , then you know that the man is not ready to change. Did you think raising kids as a single mother is easy?
Then as you take a break, prayerfully ask for God to touch him. There is nothing God can not do.
Don't rush into final decision. You are now emotionally beclouded. You can't think straight. take a break.

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Other states are thinking of bringing investors and better the lot of their people, my governor is only interested in religion stunt. He is not bringing industries to develop our states but he is more interested in religion problems in the state. I used to question the brain capacity of Nigeria ruler not leader. How on earth can you merge muslims and xtain school together and not expect violent.
I hail Aregbescal

Some people are illiterates on this forum. It is not about FFK but about the rule of law. It is about preserving our democracy. It is not PDP OR APC. It is about doing what is right. In my opinion, we are having the worst CJN in Nigeria ever. Appeal court will declare nonsense only for Supreme court to cancel their judgement severally. All of us are going to need judgement one day or the other. It is time to stand by the rules of our Constitution. Imagine having notify EFFC about Federal court of Abuja , EFFC went and smuggled FFK to magistrate court. I AM WATCHING NIGERIA FILM IN 3D GOOGLE.

Imagine Ibo man causing problems for fellow sound Ibo woman just because he needs an appointment. I actually dont see Northern people doing something like this.

Dear house,
I had a very nasty experience with smartweb hosting company in Nigeria. On a normal ground, all the domains and web hosting i have been doing over the years have always been with yahoo web hosting, ipage, go daddy. I never use Nigeria hosting company because of eventuality. I wanted to make payment via my master card which is my company MasterCard ATM but i was declined severally and i called my bank only to inform me that due to CBN new policies, corporate ATM card like mine cant be used unless i use personal account. This is what made me to rush to smartweb Nigeria. I first used it to host for a client of mine and what happened was calamity. I thought because my client bought her domain name from different site that was the reason her site was not up. I got a little bit defensive and i even open a ticket with the same smartweb company that hosted it only not to be resolved up till now.
Then i have an urgent site of over 100 pages to host, it was pressing on me and i thought because the other lady used different domain i then bought both domain and hosting with them for up to 2 weeks now. Up till now nothing is on with my site. I got angry and got in touch with them. The first guy that first answer me told me that my domain is not pointing well that he will point it to me which he said he did. I asked him is it my fault or yours which he agreed is theirs. He told me to upload my content which i did twice nothing again. On this note then i believes comments by people i saw on nairaland about this people scam and duped attitude.
I have made my own mistake , BUT PLEASE ANYTIME YOU WANT TO HOST YOUR SITE RUN AWAY FROM SMARTWEB NIGERIA BASED IN JOS. We were encouraged to patronize Nigeria companies but when you do you get what you dont bargain for. Check comments made by some people about this company, you will run for your life. Try and patronize foreign host.
Thank you

I have gotten up to 8-9 alert for N50 debt. I have decided not to take any money that is not more than 100k to bank again. Then any customer paying to my account must add N50 or so. That is my verdict. I am business man and my alert keep on coming on N50

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I knew her for more than 15 years now. I have passed by her art studio before in Oshogbo Osun state

US2.1 billions dollar is less than 500 billion Naira but we were told that they found N 1 trillion naira in 4 ex service chief account.
There is God o.

You met a guy you never know any member of his families and you opened your leg for him and you have gut to come here and tell us that Igbo guys are the demons. No you are too cheap. I sensed he must have sensed it that you are cheap and are this type of chewing gum girls you are. My advice for you is to re think your life. You are not going to end well like this. Accept Jesus into your life and repent. Your God ordained Good husband will come.
Any lady that loves free things will never be free from relationship calamities
I am married in case nairalanders want to abuse me. I was once single but with a difference

What is a blank year? A blank year is a year whereby you failed to achieve any major thing within the year. Nothing worthwhile or reasonable to boast of in a year. You see most people make New Year resolutions at the beginning of every New Year but the funniest thing about New Year resolutions is that before the end of January or middle of February, most of our New Year resolutions have been forgotten and people recur back to their previous habits.
But I have come to understand one thing, great or successful men and women don’t make any New Year resolutions. They simply make strong decisions that will change their lives in the year.
Some people also experience blank year because they expect something to just happen from somewhere to them. No, it does not work like that. Without a genuine input, there can’t be any output. Nothing happens by accident. There is nothing like nothing for something. For you to experience a new year different from the previous, you have to do something different from what you have been doing before
Insanity is doing the same thing in the same way and expecting different result.
Number one way to avoid having a blank year is to have a concrete written down goals on each aspect of your life for year 2016. This simple method looks too simple but this is responsible for about over 80% of failure every year.

1. Set realistic but big goals. Think big but start small, something that will stretch your mind. Goals that will provoke the genius in you to come alive. Most of the time, our goals are so low and we achieve them. That is the problem.
2. Write down your goals clearly. Less than 20% of adults have written down goals.
3. Paste copies of your written down goals where you can see it often. You can put it in the room, toilet, kitchen etc. by doing this; you are constantly reminding yourself that you have a task to perform. No time for idleness.
4. Read out aloud your goals three to five times daily. This will allow your goals to sink into your subconscious mind. By doing this, your goals begin to determine your actions.
5. Re write your goals first thing every day when you wake up without looking at the book.
6. Make a list of five to ten things you need to do in order to achieve your goals. Remember, there is no free launch anywhere. This is where many failed.
7. Work on your goals every day. This is the bump. Never let a day pass without you doing something about your goals. That is the key. No matter how small, work on your goals daily. Inch by inch anything a cinch. If you can control the daily use of your time, you can master the future.
8. Visualize your goals. See yourself actually achieving your goals. Picture yourself in that new goal of yourself. This process is called mental formation. Whatever is impress in your mind will be express outside. By doing this, you are setting the law of attraction into motion. You are provoking magnetic law of attraction into existence. You will begin to attract people, resources and every other thing that will make you to achieve your goals to yourself. This works like magic. Even God knows that nobody can stop what you imagine or picture to do. This is powerful. Check Genesis 11vs 6.

How to visualize?
For me, the best time should be early in the morning or late at night when you are about to sleep. Set aside fifteen to thirty minutes and focus your mind to acquire pictures of whatever your goals are. See yourself getting that promotion. Picture yourself receiving that promotion. Picture yourself driving that new car. Picture yourself in that new house. See yourself in that new thing. Picture yourself graduating from college. See yourself carrying your babies. This is an old forgotten principle use by the ancient that position them for greatness. This is creating a picture of your future. This looks simple but works magic. That is the secret of inventors, successful entrepreneurs, athletes etc. instead of mocking this formula while not practice it with relax believe for like a month and see what will happen to you. Your mind does not know right or wrong except that which you make it to believe. Your mind will not rest until it works out your goals for you. Your mind is more powerful than you can ever imagine. You will see people that will want to help you.
Why emphases on only goals?
Remember, it is only a target that you set that you can achieve. Success is 100% goals, every other things is commentary.
If you want e-books on goals and success topic, send give me e-book to selfhelp700@gmail.com. I will gladly send it for free

What is a blank year? A blank year is a year whereby you failed to achieve any major thing within the year. Nothing worthwhile or reasonable to boast of in a year. You see most people make New Year resolutions at the beginning of every New Year but the funniest thing about New Year resolutions is that before the end of January or middle of February, most of our New Year resolutions have been forgotten and people recur back to their previous habits.
But I have come to understand one thing, great or successful men and women don’t make any New Year resolutions. They simply make strong decisions that will change their lives in the year.
Some people also experience blank year because they expect something to just happen from somewhere to them. No, it does not work like that. Without a genuine input, there can’t be any output. Nothing happens by accident. There is nothing like nothing for something. For you to experience a new year different from the previous, you have to do something different from what you have been doing before
Insanity is doing the same thing in the same way and expecting different result.
Number one way to avoid having a blank year is to have a concrete written down goals on each aspect of your life for year 2016. This simple method looks too simple but this is responsible for about over 80% of failure every year.

1. Set realistic but big goals. Think big but start small, something that will stretch your mind. Goals that will provoke the genius in you to come alive. Most of the time, our goals are so low and we achieve them. That is the problem.
2. Write down your goals clearly. Less than 20% of adults have written down goals.
3. Paste copies of your written down goals where you can see it often. You can put it in the room, toilet, kitchen etc. by doing this; you are constantly reminding yourself that you have a task to perform. No time for idleness.
4. Read out aloud your goals three to five times daily. This will allow your goals to sink into your subconscious mind. By doing this, your goals begin to determine your actions.
5. Re write your goals first thing every day when you wake up without looking at the book.
6. Make a list of five to ten things you need to do in order to achieve your goals. Remember, there is no free launch anywhere. This is where many failed.
7. Work on your goals every day. This is the bump. Never let a day pass without you doing something about your goals. That is the key. No matter how small, work on your goals daily. Inch by inch anything a cinch. If you can control the daily use of your time, you can master the future.
8. Visualize your goals. See yourself actually achieving your goals. Picture yourself in that new goal of yourself. This process is called mental formation. Whatever is impress in your mind will be express outside. By doing this, you are setting the law of attraction into motion. You are provoking magnetic law of attraction into existence. You will begin to attract people, resources and every other thing that will make you to achieve your goals to yourself. This works like magic. Even God knows that nobody can stop what you imagine or picture to do. This is powerful. Check Genesis 11vs 6.

How to visualize?
For me, the best time should be early in the morning or late at night when you are about to sleep. Set aside fifteen to thirty minutes and focus your mind to acquire pictures of whatever your goals are. See yourself getting that promotion. Picture yourself receiving that promotion. Picture yourself driving that new car. Picture yourself in that new house. See yourself in that new thing. Picture yourself graduating from college. See yourself carrying your babies. This is an old forgotten principle use by the ancient that position them for greatness. This is creating a picture of your future. This looks simple but works magic. That is the secret of inventors, successful entrepreneurs, athletes etc. instead of mocking this formula while not practice it with relax believe for like a month and see what will happen to you. Your mind does not know right or wrong except that which you make it to believe. Your mind will not rest until it works out your goals for you. Your mind is more powerful than you can ever imagine. You will see people that will want to help you.
Why emphases on only goals?
Remember, it is only a target that you set that you can achieve. Success is 100% goals, every other things is commentary.
If you want e-books on goals and success topic, send give me e-book to selfhelp700@gmail.com. I will gladly send it for free

What is a blank year? A blank year is a year whereby you failed to achieve any major thing within the year. Nothing worthwhile or reasonable to boast of in a year. You see most people make New Year resolutions at the beginning of every New Year but the funniest thing about New Year resolutions is that before the end of January or middle of February, most of our New Year resolutions have been forgotten and people recur back to their previous habits.
But I have come to understand one thing, great or successful men and women don’t make any New Year resolutions. They simply make strong decisions that will change their lives in the year.
Some people also experience blank year because they expect something to just happen from somewhere to them. No, it does not work like that. Without a genuine input, there can’t be any output. Nothing happens by accident. There is nothing like nothing for something. For you to experience a new year different from the previous, you have to do something different from what you have been doing before
Insanity is doing the same thing in the same way and expecting different result.
Number one way to avoid having a blank year is to have a concrete written down goals on each aspect of your life for year 2016. This simple method looks too simple but this is responsible for about over 80% of failure every year.

1. Set realistic but big goals. Think big but start small, something that will stretch your mind. Goals that will provoke the genius in you to come alive. Most of the time, our goals are so low and we achieve them. That is the problem.
2. Write down your goals clearly. Less than 20% of adults have written down goals.
3. Paste copies of your written down goals where you can see it often. You can put it in the room, toilet, kitchen etc. by doing this; you are constantly reminding yourself that you have a task to perform. No time for idleness.
4. Read out aloud your goals three to five times daily. This will allow your goals to sink into your subconscious mind. By doing this, your goals begin to determine your actions.
5. Re write your goals first thing every day when you wake up without looking at the book.
6. Make a list of five to ten things you need to do in order to achieve your goals. Remember, there is no free launch anywhere. This is where many failed.
7. Work on your goals every day. This is the bump. Never let a day pass without you doing something about your goals. That is the key. No matter how small, work on your goals daily. Inch by inch anything a cinch. If you can control the daily use of your time, you can master the future.
8. Visualize your goals. See yourself actually achieving your goals. Picture yourself in that new goal of yourself. This process is called mental formation. Whatever is impress in your mind will be express outside. By doing this, you are setting the law of attraction into motion. You are provoking magnetic law of attraction into existence. You will begin to attract people, resources and every other thing that will make you to achieve your goals to yourself. This works like magic. Even God knows that nobody can stop what you imagine or picture to do. This is powerful. Check Genesis 11vs 6.

How to visualize?
For me, the best time should be early in the morning or late at night when you are about to sleep. Set aside fifteen to thirty minutes and focus your mind to acquire pictures of whatever your goals are. See yourself getting that promotion. Picture yourself receiving that promotion. Picture yourself driving that new car. Picture yourself in that new house. See yourself in that new thing. Picture yourself graduating from college. See yourself carrying your babies. This is an old forgotten principle use by the ancient that position them for greatness. This is creating a picture of your future. This looks simple but works magic. That is the secret of inventors, successful entrepreneurs, athletes etc. instead of mocking this formula while not practice it with relax believe for like a month and see what will happen to you. Your mind does not know right or wrong except that which you make it to believe. Your mind will not rest until it works out your goals for you. Your mind is more powerful than you can ever imagine. You will see people that will want to help you.
Why emphases on only goals?
Remember, it is only a target that you set that you can achieve. Success is 100% goals, every other things is commentary.
If you want e-books on goals and success topic, send give me e-book to selfhelp700@gmail.com. I will gladly send it for free

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90% of Buhari appointment now is for the North. I used to know that the southerners are real good but may be under Buhari administration, they have lost something. Keeping my hands fold and watching Nigeria as a film in seasons using 3d google. Change

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[center]10 WAYS TO BE DEAD BROKE OR STAY POOR[/center][/b]
You can’t be rich without your personal commitment except in your dream

1. [b]SPENDING MORE THAN WHAT YOU EARN: You don’t need any prophet or any university degree in Harvard Business school to tell you that you will die broke when you engage in spending more than what you are earning or making. That is a simple mathematical calculation. Always try and keep your expenses below your income if you don’t want to die broke. If you kick against this principle and spend more than what you earn, you will end up in the canal of poverty. Please if you see yourself in this habit, you need to do something about it before it is too late for you. Remember Pareto law that says “expenses will always rise to meet your income”. You need discipline in this area. Because people tend to spend more than they make, this will need to number two reasons why people die broke

2. BORROWING MONEY NOT TO INVEST BUT TO MEET NEEDS: if you constantly engage in the habit of borrowing most of the time to meet your needs, it is an indication of two things. One, it is either you are spending more than what you earn (you are not discipline enough to put your expenses under control) or you are not making enough money to meet your needs. Please with respect to government worker or civil servant, this is the major reason why most civil servant will die broke. You can cast me for this but this is the truth. Before their present salaries come in, they are already in debt and most of the salary will be used to pay the previous debt. This is the chain that continues for years and if something is not done to this on time, they will die broke. Imagine some people even borrow money to buy clothe. I called this the highest form of madness because there is always what you can buy with what is available in your hands. Some even borrow money to buy phones expensive ones for that matter. If you engage in this habit, if you like go to church and meet your pastor or go to mosque and see your imam to pray for you, you will always die broke. Life is governed by laws and control by it. This lead us to the third step

3. LACK OF BUDGET/ POOR SPENDING HABIT: It is funny how some people spend money at impulse. Anytime they see anything, they just buy. They can’t just control their eyes, appetite and desires. They simply buy at impulse. Let me draw a line here. Some people think because they are high income earners they are license to spend anyhow or they are rich. They are making erroneous mistake. There is different between earning high and being wealthy. Most of the people that earn high end up always broke. They always highly waiting for the salary to come in. They only depend on the salary. But a wealthy man can be classified has someone who have enough money reserve for him and may not need to work again for the rest of his life. You need to sit down and budget your expenses. Prioritize your expenses. Go for what is most important. “Anytime you buy what you don’t need you are cheating from yourself. Budget your expenses below your income. If you are the kind that never think before you spend you may end up your life a dead broke man. Sorry, no matter how much I worth, I never enter restaurant without asking for menus with price attached to it. Don’t let your stomach becomes your bank, I mean your fixed deposit account.

4. SINGLE MEANS OF INCOME: One of my favourites part in the bible is when Jesus asked Peter to cast his NETS into the sea. According to Peter report in the bible, their two nets were filled with fishes and began to break. Meaning Peter engaged in more than a net. If you are having a single form of income, it is time for you to have a rethink. Think outside the box by creating one or two additional means of generating income. Let me ask you, just think about it, if that your present job or work is being challenged financially, how will you cope? Will you result to prayer and begin to bind the devil because that is the first thing most of us do? That is pure waste of time. We fell into problem because we don’t think or we don’t think ahead. Presently, I have more than 10 things I am doing that is generating income. I don’t need to think about generating income. They must keep on coming. Look at Warren Buffet, the guru of business investment and the second richest man in the world always preach diversification and having more than a single income. Look around you and look at any wealthy guy around you if he is not having more than single mean of generating income. Why then will poor man stick to one income?

5. LACK OF SAVINGS: talking about Charles Schwab that made over five hundred million dollar ($500, 000, 000) in his life time said “if you cannot save, the seed of greatness is not in you”. Most of us are guilty of this and this one of the major reasons why people died broke. We often complain that what we are having is not sufficient for us to spend. Let me tell you they will always be insufficient for us to spend whether we save or not. It is simply Pareto that said our expenses will always increase in proportion to our income. The old book, the richest man in Babylon has this to say “Pay yourself first”. If you are not a good saver, you may die broke. I mean dead broke always in need of money all the time. I am writing this for us to avoid this obstacle that make us retire poor in order for us to avoid it before it is too late. It is recommended for us to save at least 10% of our income. If you deep neck in debt and expenses you can start saving 5%. This is the seed for our financial future. No matter how small your present income is, this is what to do if you want to change your future financially. Once you start, it will master you. Do what the poor will not do in order to have what they will not have.

6. ASSOCIATION: some people wonder why association has anything to do with what I am saying. Never underestimate the power of influence. Hear this “if you are the smartest guy in your group I bet you, you need a new group”. If you are running around with nine broke people, I can bet you, you will be the tenth person according to les Brown. There is one proverbs in South West Nigeria that says “a rich man among six poor people means seven poor people.” It is reasonable at least if you don’t want to die broke to at least associate with people that are doing better than you financially. This will stimulate your mind and provoke your ability to do something about your state. But if all your friends are in the same financial peer like you, you will always believe that there is no other side to life rather than one day I know he go better mind set”. If it will be better it must start from you because nothing change around you until something change within you. I want you to do a little analysis about the power of influence or association. Check your five friends that you always hang around with all the time. Your day in day out pals. I bet you, your income will be the same with them or slightly above them. By now, I think someone is thinking of changing friends. LAUGH. It is advisable once in a while to go around nice neighbourhood better than yours to stimulate your mind out of struggle.

7. LACK OF FINANCIAL GOAL: people are dead broke also because people don’t set financial goal in life. They don’t really know how much they want to make. There is no such thing as this year I want to double my income over last year or something like, I want to make extra #50, 000 a month outside my present job. They don’t make commitment to their finances hoping that things will change if they want to change. This principle looks easy but it is one of the reasons why people die broke. When you don’t have a financial goal, there is nothing to stimulate your mind to work on. Broke people don’t have financial goal, they take life as it comes while wealthy people have financial goals. They tend to control their finances. Listen, there is abundance in the universe, destroy all these scarcity mentality. Challenge your mind to be productive. You deserve more in life than you are presently achieving. You are not created to scratch or scavenge on this earth. You are too loaded to die a pauper. Challenge yourself today, set a financial goal for yourself. For instance by December 2015, I want to have this and that in my account and you sit down to analyze ways and means to achieve it. Commit yourself to it daily. Paste this goal where you can see it daily. I bet you, If you don’t achieve this, but you will not be where you used to be.

8. ACQUIRING LIABITITIES INSTEAD OF ASSETS: what is an asset. According to Robert Kiyasoki of rich dad poor dad, asset is simply put as something that put money in your pocket while liability is something that takes away money from your pocket. Most dead broke people are experts in acquiring liabilities rather than an asset. They keep on buying. Before your next purchase you need to ask yourself a very simple questions. One, did I really need this, can it wait. Two, is this a liability or an asset. I love this saying by someone “people borrow money from someone that does not like them to impress people that does not care about them. Take a good inventory of your life and make a lists of all the liabilities you have acquired. This will help you to know where you are going.

9. LACK OF FINANCIAL EDUCATION. One of the reasons most people die broke is lack of financial education. People are not financial literate. See, they will not teach you in school how to handle your financial issues. This is one thing you must learn by yourself and this is why self-study or personal learning comes in. you need to read books written on finances. This will educate you and help your decision making in life. This will help you to stop making the same bad mistake again. Get book like “rich dad poor dad, the millionaire in you, how to think like a millionaire. The very very rich how they got that way, from rag to riches, richest man in Babylon etc. all these books you can get for a token in a bookshop. I have quite and read a lot of them. That is one thing a broke person will not do. Financial what? No way I don’t have time but if you don’t read you will simply die like that. “When you want to hide a thing from a black man, hide it inside a book”. You see, people that have attained financial freedom read a lot of good books. Richard Branson of Virgin Atlantic read a book at 19 years old that changed the course of his life. “Beginning is beautiful. Read financial magazines. Don’t get static be dynamic. Be open to learn why others are making it and while you are struggling. There is something they know that you don’t know. It is not luck but secrets. Get books of proven guys that have made financial fortune. The secrets of men are in their stories. In the audio tape of 25 secrets to wealth creation, the speaker talked about the teachability index as one of the first law to acquire money. If you are broke now, it is an indication that your ideas are not working. This means you need to learn new ways. Be voracious in reading, read everything you can lay your hands concerning wealth creation. Remember that there is no free launch. Don’t just sit down and hope manna will fall from heaven. Even those days manna fell from heaven, it still fell to a place that they need to trek for a day journey. You see even God knows that there is no such thing as something for nothing.

10. LACK OF GIVING. It has been said if you want to stay ahead the poor, you need to give to the poor. Either you are giving to your religion, community or people, you must do this in order not to die broke. This is a law set by God and reward those who abide by it. Most of the excuse of the poor is this, what I am having is not enough while will I part away with the little I have. Please you need to read this book and understand what I am talking about. The greatest salesman in the world by Og madino. It does not need to be much but it is a habit that you must cultivate in order to stay above broke people.
Lastly my people, information without reaction is waste of time. If you find yourself involved in any of these negative habits, please effect a change immediately and I see your life going forward.

Thank You
GOSHEN MENTAL EMPOWERMENT MAGAZINES.
Selfhelp700@gmail.com

10 WAYS TO BE DEAD BROKE OR STAY POOR
You can’t be rich without your personal commitment except in your dream
1. SPENDING MORE THAN WHAT YOU EARN: You don’t need any prophet or any university degree in Harvard Business school to tell you that you will die broke when you engage in spending more than what you are earning or making. That is a simple mathematical calculation. Always try and keep your expenses below your income if you don’t want to die broke. If you kick against this principle and spend more than what you earn, you will end up in the canal of poverty. Please if you see yourself in this habit, you need to do something about it before it is too late for you. Remember Pareto law that says “expenses will always rise to meet your income”. You need discipline in this area. Because people tend to spend more than they make, this will need to number two reasons why people die broke

2. BORROWING MONEY NOT TO INVEST BUT TO MEET NEEDS: if you constantly engage in the habit of borrowing most of the time to meet your needs, it is an indication of two things. One, it is either you are spending more than what you earn (you are not discipline enough to put your expenses under control) or you are not making enough money to meet your needs. Please with respect to government worker or civil servant, this is the major reason why most civil servant will die broke. You can cast me for this but this is the truth. Before their present salaries come in, they are already in debt and most of the salary will be used to pay the previous debt. This is the chain that continues for years and if something is not done to this on time, they will die broke. Imagine some people even borrow money to buy clothe. I called this the highest form of madness because there is always what you can buy with what is available in your hands. Some even borrow money to buy phones expensive ones for that matter. If you engage in this habit, if you like go to church and meet your pastor or go to mosque and see your imam to pray for you, you will always die broke. Life is governed by laws and control by it. This lead us to the third step

3. LACK OF BUDGET/ POOR SPENDING HABIT: It is funny how some people spend money at impulse. Anytime they see anything, they just buy. They can’t just control their eyes, appetite and desires. They simply buy at impulse. Let me draw a line here. Some people think because they are high income earners they are license to spend anyhow or they are rich. They are making erroneous mistake. There is different between earning high and being wealthy. Most of the people that earn high end up always broke. They always highly waiting for the salary to come in. They only depend on the salary. But a wealthy man can be classified has someone who have enough money reserve for him and may not need to work again for the rest of his life. You need to sit down and budget your expenses. Prioritize your expenses. Go for what is most important. “Anytime you buy what you don’t need you are cheating from yourself. Budget your expenses below your income. If you are the kind that never think before you spend you may end up your life a dead broke man. Sorry, no matter how much I worth, I never enter restaurant without asking for menus with price attached to it. Don’t let your stomach becomes your bank, I mean your fixed deposit account.

4. SINGLE MEANS OF INCOME: One of my favourites part in the bible is when Jesus asked Peter to cast his NETS into the sea. According to Peter report in the bible, their two nets were filled with fishes and began to break. Meaning Peter engaged in more than a net. If you are having a single form of income, it is time for you to have a rethink. Think outside the box by creating one or two additional means of generating income. Let me ask you, just think about it, if that your present job or work is being challenged financially, how will you cope? Will you result to prayer and begin to bind the devil because that is the first thing most of us do? That is pure waste of time. We fell into problem because we don’t think or we don’t think ahead. Presently, I have more than 10 things I am doing that is generating income. I don’t need to think about generating income. They must keep on coming. Look at Warren Buffet, the guru of business investment and the second richest man in the world always preach diversification and having more than a single income. Look around you and look at any wealthy guy around you if he is not having more than single mean of generating income. Why then will poor man stick to one income?

5. LACK OF SAVINGS: talking about Charles Schwab that made over five hundred million dollar ($500, 000, 000) in his life time said “if you cannot save, the seed of greatness is not in you”. Most of us are guilty of this and this one of the major reasons why people died broke. We often complain that what we are having is not sufficient for us to spend. Let me tell you they will always be insufficient for us to spend whether we save or not. It is simply Pareto that said our expenses will always increase in proportion to our income. The old book, the richest man in Babylon has this to say “Pay yourself first”. If you are not a good saver, you may die broke. I mean dead broke always in need of money all the time. I am writing this for us to avoid this obstacle that make us retire poor in order for us to avoid it before it is too late. It is recommended for us to save at least 10% of our income. If you deep neck in debt and expenses you can start saving 5%. This is the seed for our financial future. No matter how small your present income is, this is what to do if you want to change your future financially. Once you start, it will master you. Do what the poor will not do in order to have what they will not have.

6. ASSOCIATION: some people wonder why association has anything to do with what I am saying. Never underestimate the power of influence. Hear this “if you are the smartest guy in your group I bet you, you need a new group”. If you are running around with nine broke people, I can bet you, you will be the tenth person according to les Brown. There is one proverbs in South West Nigeria that says “a rich man among six poor people means seven poor people.” It is reasonable at least if you don’t want to die broke to at least associate with people that are doing better than you financially. This will stimulate your mind and provoke your ability to do something about your state. But if all your friends are in the same financial peer like you, you will always believe that there is no other side to life rather than one day I know he go better mind set”. If it will be better it must start from you because nothing change around you until something change within you. I want you to do a little analysis about the power of influence or association. Check your five friends that you always hang around with all the time. Your day in day out pals. I bet you, your income will be the same with them or slightly above them. By now, I think someone is thinking of changing friends. LAUGH. It is advisable once in a while to go around nice neighbourhood better than yours to stimulate your mind out of struggle.

7. LACK OF FINANCIAL GOAL: people are dead broke also because people don’t set financial goal in life. They don’t really know how much they want to make. There is no such thing as this year I want to double my income over last year or something like, I want to make extra #50, 000 a month outside my present job. They don’t make commitment to their finances hoping that things will change if they want to change. This principle looks easy but it is one of the reasons why people die broke. When you don’t have a financial goal, there is nothing to stimulate your mind to work on. Broke people don’t have financial goal, they take life as it comes while wealthy people have financial goals. They tend to control their finances. Listen, there is abundance in the universe, destroy all these scarcity mentality. Challenge your mind to be productive. You deserve more in life than you are presently achieving. You are not created to scratch or scavenge on this earth. You are too loaded to die a pauper. Challenge yourself today, set a financial goal for yourself. For instance by December 2015, I want to have this and that in my account and you sit down to analyze ways and means to achieve it. Commit yourself to it daily. Paste this goal where you can see it daily. I bet you, If you don’t achieve this, but you will not be where you used to be.

8. ACQUIRING LIABITITIES INSTEAD OF ASSETS: what is an asset. According to Robert Kiyasoki of rich dad poor dad, asset is simply put as something that put money in your pocket while liability is something that takes away money from your pocket. Most dead broke people are experts in acquiring liabilities rather than an asset. They keep on buying. Before your next purchase you need to ask yourself a very simple questions. One, did I really need this, can it wait. Two, is this a liability or an asset. I love this saying by someone “people borrow money from someone that does not like them to impress people that does not care about them. Take a good inventory of your life and make a lists of all the liabilities you have acquired. This will help you to know where you are going.

9. LACK OF FINANCIAL EDUCATION. One of the reasons most people die broke is lack of financial education. People are not financial literate. See, they will not teach you in school how to handle your financial issues. This is one thing you must learn by yourself and this is why self-study or personal learning comes in. you need to read books written on finances. This will educate you and help your decision making in life. This will help you to stop making the same bad mistake again. Get book like “rich dad poor dad, the millionaire in you, how to think like a millionaire. The very very rich how they got that way, from rag to riches, richest man in Babylon etc. all these books you can get for a token in a bookshop. I have quite and read a lot of them. That is one thing a broke person will not do. Financial what? No way I don’t have time but if you don’t read you will simply die like that. “When you want to hide a thing from a black man, hide it inside a book”. You see, people that have attained financial freedom read a lot of good books. Richard Branson of Virgin Atlantic read a book at 19 years old that changed the course of his life. “Beginning is beautiful. Read financial magazines. Don’t get static be dynamic. Be open to learn why others are making it and while you are struggling. There is something they know that you don’t know. It is not luck but secrets. Get books of proven guys that have made financial fortune. The secrets of men are in their stories. In the audio tape of 25 secrets to wealth creation, the speaker talked about the teachability index as one of the first law to acquire money. If you are broke now, it is an indication that your ideas are not working. This means you need to learn new ways. Be voracious in reading, read everything you can lay your hands concerning wealth creation. Remember that there is no free launch. Don’t just sit down and hope manna will fall from heaven. Even those days manna fell from heaven, it still fell to a place that they need to trek for a day journey. You see even God knows that there is no such thing as something for nothing.

10. LACK OF GIVING. It has been said if you want to stay ahead the poor, you need to give to the poor. Either you are giving to your religion, community or people, you must do this in order not to die broke. This is a law set by God and reward those who abide by it. Most of the excuse of the poor is this, what I am having is not enough while will I part away with the little I have. Please you need to read this book and understand what I am talking about. The greatest salesman in the world by Og madino. It does not need to be much but it is a habit that you must cultivate in order to stay above broke people.
Lastly my people, information without reaction is waste of time. If you find yourself involved in any of these negative habits, please effect a change immediately and I see your life going forward.
Thank You
GOSHEN MENTAL EMPOWERMENT MAGAZINES.
Selfhelp700@gmail.com

SOCIAL MEDIA IS KILLING YOU
Think of it, imagine it, and bring it to calculation. Think of how many hours you spend daily fantasizing or socializing on social media such as Facebook, Twitter, instagram and YouTube. Check the number of hours.

If the same time is being used to invest in yourself (Personal Development) and in your career (Professional Development). Imagine where you would have been today.

It is said that you become a master in your field, job, or profession with at least 10000 hours of investment or 7 years of diligently working on your career.

Imagine if you convert half of that time to read books, listen to audio tapes or attend seminar to become a better you. Imagine where you would have been today.

Brain Tracy said “no matter the career you choose, if you invest two hours daily in reading books, listening to tapes on how to better your career. In 3-5 years you will become a national authority in that area and imagine what your pay cheque will be. In fact, you will be signing your pay cheque by yourself.

That is the different between the top 20% of people that earn all the money to the bottom 80% of the people that are struggling. That is Pareto principle.

It is time to have a rethink on the number of hours you spend socializing. That you don’t have a job or you are looking for one does not mean you should be wasting away and wasting your time. The same time it takes to fail is the same time it takes to succeed. It is only how you invest it that matters.

And if you don’t know……………
Mark Zukerberg the Facebook owner worths $33.3 billion dollars as at July 15th 2014 and made $1.6 billion dollar that same day. On a single day
Evan Williams the former twitter CEO with the highest share worths $2.9 billion
The former owner of instagram Kelvin Systrom and Mike Kreiger shared over $1 billion.
Those are the owners of those big social medias who worth billions of dollar and hardly spend time on social media but spend the chunk of their time developing their lives and work

Now I ask you the great social media users who waste hours every day, how much do you worth? Probably you are still struggling. That is a reason why you must rethink. This is a hard pill to swallow.

Convert those hours you use socializing into more profitable hours by spending at least 2 hours of your time daily reading and listening to audio tapes that develop your mind: your greatest earning power.

Most of us know so much about others and we know little or nothing about ourselves. Spend those hours to discover yourself. Forget about your poor or parental background, lack of education or whatever excuse you think is holding you down. Most of American Millionaire are self-made. That is, they made the money by themselves without inheriting any cash

Talk to yourself. You are not a dummy. You are not here just to mark time or fizzle away. It takes time to be successful.
Am I shutting you off or telling you not to socialize at all? No but you need to reduce it and socialize if it will add value to your life, career or job. I have decided not to engage my time on things that will not move me closer to my goals.
I often tell people this
“It is the poor that makes the rich wealthy”
If you don’t have what to read or listen to, I can send them to you FREE OF CHARGE. E-books or compressed audio
Just mail me and you will get them: selfhelp700@gmail.com

SOCIAL MEDIA IS KILLING YOU
Think of it, imagine it, and bring it to calculation. Think of how many hours you spend daily fantasizing or socializing on social media such as Facebook, Twitter, instagram and YouTube. Check the number of hours.

If the same time is being used to invest in yourself (Personal Development) and in your career (Professional Development). Imagine where you would have been today.

It is said that you become a master in your field, job, or profession with at least 10000 hours of investment or 7 years of diligently working on your career.

Imagine if you convert half of that time to read books, listen to audio tapes or attend seminar to become a better you. Imagine where you would have been today.

Brain Tracy said “no matter the career you choose, if you invest two hours daily in reading books, listening to tapes on how to better your career. In 3-5 years you will become a national authority in that area and imagine what your pay cheque will be. In fact, you will be signing your pay cheque by yourself.

That is the different between the top 20% of people that earn all the money to the bottom 80% of the people that are struggling. That is Pareto principle.
It is time to have a rethink on the number of hours you spend socializing. That you don’t have a job or you are looking for one does not mean you should be wasting away and wasting your time. The same time it takes to fail is the same time it takes to succeed. It is only how you invest it that matters.

And if you don’t know……………
Mark Zukerberg the Facebook owner worths $33.3 billion dollars as at July 15th 2014 and made $1.6 billion dollar that same day. On a single day
Evan Williams the former twitter CEO with the highest share worths $2.9 billion
The former owner of instagram Kelvin Systrom and Mike Kreiger shared over $1 billion.

Those are the owners of those big social medias who worth billions of dollar and hardly spend time on social media but spend the chunk of their time developing their lives and work
Now I ask you the great social media users who waste hours every day, how much do you worth? Probably you are still struggling. That is a reason why you must rethink. This is a hard pill to swallow.

Convert those hours you use socializing into more profitable hours by spending at least 2 hours of your time daily reading and listening to audio tapes that develop your mind: your greatest earning power.

Most of us know so much about others and we know little or nothing about ourselves. Spend those hours to discover yourself. Forget about your poor or parental background, lack of education or whatever excuse you think is holding you down. Most of American Millionaire are self-made. That is, they made the money by themselves without inheriting any cash

Talk to yourself. You are not a dummy. You are not here just to mark time or fizzle away. It takes time to be successful.
Am I shutting you off or telling you not to socialize at all? No but you need to reduce it and socialize if it will add value to your life, career or job. I have decided not to engage my time on things that will not move me closer to my goals.

I often tell people this
“It is the poor that makes the rich wealthy”
If you don’t have what to read or listen to, I can send them to you FREE OF CHARGE. E-books or compressed audio
Just mail me and you will get them: selfhelp700@gmail.com

SOCIAL MEDIA IS KILLING YOU
Think of it, imagine it, and bring it to calculation. Think of how many hours you spend daily fantasizing or socializing on social media such as Facebook, Twitter, instagram and YouTube. Check the number of hours.

If the same time is being used to invest in yourself (Personal Development) and in your career (Professional Development). Imagine where you would have been today.

It is said that you become a master in your field, job, or profession with at least 10000 hours of investment or 7 years of diligently working on your career.

Imagine if you convert half of that time to read books, listen to audio tapes or attend seminar to become a better you. Imagine where you would have been today.

Brain Tracy said “no matter the career you choose, if you invest two hours daily in reading books, listening to tapes on how to better your career. In 3-5 years you will become a national authority in that area and imagine what your pay cheque will be. In fact, you will be signing your pay cheque by yourself.

That is the different between the top 20% of people that earn all the money to the bottom 80% of the people that are struggling. That is Pareto principle.

It is time to have a rethink on the number of hours you spend socializing. That you don’t have a job or you are looking for one does not mean you should be wasting away and wasting your time. The same time it takes to fail is the same time it takes to succeed. It is only how you invest it that matters.

And if you don’t know……………
Mark Zukerberg the Facebook owner worths $33.3 billion dollars as at July 15th 2014 and made $1.6 billion dollar that same day. On a single day
Evan Williams the former twitter CEO with the highest share worths $2.9 billion
The former owner of instagram Kelvin Systrom and Mike Kreiger shared over $1 billion.

Those are the owners of those big social medias who worth billions of dollar and hardly spend time on social media but spend the chunk of their time developing their lives and work
Now I ask you the great social media users who waste hours every day, how much do you worth? Probably you are still struggling. That is a reason why you must rethink. This is a hard pill to swallow.

Convert those hours you use socializing into more profitable hours by spending at least 2 hours of your time daily reading and listening to audio tapes that develop your mind: your greatest earning power.

Most of us know so much about others and we know little or nothing about ourselves. Spend those hours to discover yourself. Forget about your poor or parental background, lack of education or whatever excuse you think is holding you down. Most of American Millionaire are self-made. That is, they made the money by themselves without inheriting any cash.

Talk to yourself. You are not a dummy. You are not here just to mark time or fizzle away. It takes time to be successful.
Am I shutting you off or telling you not to socialize at all? No but you need to reduce it and socialize if it will add value to your life, career or job. I have decided not to engage my time on things that will not move me closer to my goals.

I often tell people this
“It is the poor that makes the rich wealthy”

If you don’t have what to read or listen to, I can send them to you FREE OF CHARGE. E-books or compressed audio
Just mail me and you will get them: selfhelp700@gmail.com

SOCIAL MEDIA IS KILLING YOU
Think of it, imagine it, and bring it to calculation. Think of how many hours you spend daily fantasizing or socializing on social media such as Facebook, Twitter, instagram and YouTube. Check the number of hours.

If the same time is being used to invest in yourself (personal development) and in your career (professional development). Imagine where you would have been today.

It is said that you become a master in your field, job, or profession with at least 10000 hours of investment or 7 years of diligently working on your career.

Imagine if you convert half of that time to read books, listen to audio tapes or attend seminar to become a better you. Imagine where you would have been today.

Brain Tracy said “no matter the career you choose, if you invest two hours daily in reading books, listening to tapes on how to better your career. In 3-5 years you will become a national authority in that area and imagine what your pay cheque will be. In fact, you will be signing your pay cheque by yourself.

That is the different between the top 20% of people that earn all the money to the bottom 80% of the people that are struggling. That is Pareto principle.
It is time to have a rethink on the number of hours you spend socializing. That you don’t have a job or you are looking for one does not mean you should be wasting away and wasting your time.

And if you don’t know……………
Mark Zukerberg the Facebook owner worths $33.3 billion dollars as at July 15th 2014 and made $1.6 billion dollar that same day. On a single day

Evan Williams the former twitter CEO with the highest share worths $2.9 billion
The former owner of instagram Kelvin Systrom and Mike Kreiger shared over $1 billion.
Those are the owners of those big social medias who worth billions of dollar and hardly spend time on social media but spend the chunk of their time developing their lives and work

Now I ask you the great social media users who waste hours every day, how much do you worth? Probably you are still struggling. That is a reason why you must rethink. This is a hard pill to swallow.

Convert those hours you use socializing into more profitable hours by spending at least 2 hours of your time daily reading and listening to audio tapes that develop your mind: your greatest earning power.

Most of us know so much about others and we know little or nothing about ourselves. Spend those hours to discover yourself. Forget about your poor or parental background, lack of education or whatever excuse you think is holding you down. Most of American Millionaire are self-made. That is made the money by themselves without inheriting any cash

Talk to yourself. You are not a dummy. You are not here just to mark time or fizzle away. It takes time to be successful.
Am I shutting you off or telling you not to socialize at all? No but you need to reduce it and socialize if it will add value to your life, career or job. I have decided not to engage my time on things that will not move me closer to my goals.

I often tell people this
“It is the poor that makes the rich wealthy”

If you don’t have what to read or listen to, I can send them to you FREE OF CHARGE. E-books or compressed audio
Just mail me and you will get them: selfhelp700@gmail.com

SOCIAL MEDIA IS KILLING YOU

Think of it, imagine it, and bring it to calculation. Think of how many hours you spend daily fantasizing or socializing on social media such as Facebook, Twitter, instagram and YouTube. Check the number of hours.

If the same time is being used to invest in yourself (personal development) and in your career (professional development). Imagine where you would have been today.

It is said that you become a master in your field, job, or profession with at least 10000 hours of investment or 7 years of diligently working on your career.

Imagine if you convert half of that time to read books, listen to audio tapes or attend seminar to become a better you. Imagine where you would have been today.

Brain Tracy said “no matter the career you choose, if you invest two hours daily in reading books, listening to tapes on how to better your career. In 3-5 years you will become a national authority in that area and imagine what your pay cheque will be. In fact, you will be signing your pay cheque by yourself.

That is the different between the top 20% of people that earn all the money to the bottom 80% of the people that are struggling. That is Pareto principle.

It is time to have a rethink on the number of hours you spend socializing. That you don’t have a job or you are looking for one does not mean you should be wasting away and wasting your time.

And if you don’t know……………
Mark Zukerberg the Facebook owner worths $33.3 billion dollars as at July 15th 2014 and made $1.6 billion dollar that same day. On a single day
Evan Williams the former twitter CEO with the highest share worths $2.9 billion
The former owner of instagram Kelvin Systrom and Mike Kreiger shared over $1 billion.
Those are the owners of those big social medias who worth billions of dollar and hardly spend time on social media but spend the chunk of their time developing their lives and work

Now I ask you the great social media users who waste hours every day, how much do you worth? Probably you are still struggling. That is a reason why you must rethink. This is a hard pill to swallow.

Convert those hours you use socializing into more profitable hours by spending at least 2 hours of your time daily reading and listening to audio tapes that develop your mind: your greatest earning power.

Most of us know so much about others and we know little or nothing about ourselves. Spend those hours to discover yourself. Forget about your poor or parental background, lack of education or whatever excuse you think is holding you down. Most of American Millionaire are self-made. That is made the money by themselves without inheriting any cash

Talk to yourself. You are not a dummy. You are not here just to mark time or fizzle away. It takes time to be successful.
Am I shutting you off or telling you not to socialize at all? No but you need to reduce it and socialize if it will add value to your life, career or job. I have decided not to engage my time on things that will not move me closer to my goals.

I often tell people this
“It is the poor that makes the rich wealthy”

If you don’t have what to read or listen to, I can send them to you FREE OF CHARGE. E-books or compressed audio
Just mail me and you will get them: selfhelp700@gmail.com