₦airaland Forum

A new study has claimed that observing women’s breasts helps to form men live longer and healthier.

A study done by a German man of science, Karenic Weatherby, and revealed within the New England Journal of medication, has unconcealed that observing women’s breasts is healthy and conjointly elongates the era of men.

The study, which was carried out over a period of five years, involved 500 men, half of whom were instructed to stare at women’s breasts in a lustful manner for no less than 10 minutes every day.

The other half were instructed to abstain from doing such.

It concluded that men who stared at breasts, more often, showed lower rates of heart problems, slower resting heart rate and lower blood pressure, all of which enable a healthy living and long life.

The study said men should stare at breasts for 10 minutes a day to improve the wellness of their hearts and live longer.

“Just 10 minutes of staring at the charms of a well-endowed female every day is roughly equivalent to a 30-minute aerobics work-out,” the study revealed.

When the two groups of men were tested, men that stared at breasts daily had lower blood pressure, slower resting pulse rates, as well as fewer instances of coronary artery disease.

“Sexual excitement gets the heart pumping and improves blood circulation. Gazing at breasts makes men healthier and engaging in this activity a few minutes daily cuts the risk of stroke and heart attack by half.

“We believe that by doing so consistently, the average man can extend his life for four to five years,’’ he added.
https://olavibes.com/staring-at-womens-breasts-makes-men-live-longer-and-healthier-study-reveals/

A Peoples Democratic Party member has emerged as the Speaker of the Benue State House of Assembly following impeachment of its former Speaker

Benue Speaker, Hon Terkibir Ikyange, has been impeached, according to a report by Punch.

He has now been replaced by Titus Ubwa, a member of the Peoples Democratic Party from Vandeikiya.

More details soon…
http://www.mytips.com.ng/benue-speaker-hon-terkibir-ikyange-has-been-impeached/

President Muhammadu Buhari has reacted to the National Assembly lawmakers who dumped the All Progressives Congress and defected to the opposition Peoples Democratic Party.

President Muhammadu Buhari, has taken his verified Twitter page on Tuesday and wished all the National Assembly lawmakers, who defected from the All Progressives Congress (APC) to the opposition Peoples Democratic Party (PDP) other parties, the “best in their future undertakings.”
The president’s statement read; “I wish all of our party members who today defected, the very best in their future undertakings. The APC has done its best to stop the defections, and I must commend the party leadership for working tirelessly to unite the party and position it for future victory.

I am confident that no harm or injury will be done by these defections, to the APC and its aspirations. I urge party faithful to not despair, but to instead see this as something that happens in seasons like this, on the eve of elections.

As the saying goes, all politics is local. We understand that some of the Distinguished and Honourable lawmakers have issues in/with their home states, especially on zoning which bars some of them from seeking another term in their constituencies.

Let me also note that none of the defecting federal lawmakers has any specific grievances against me or the government I lead; neither do I harbour any ill-feeling towards any of them. I fully respect their freedom to choose what party to associate with.

I am using this opportunity to restate my total commitment to the values of democracy, as well as my total willingness to work with ALL members of the National Assembly, irrespective of their political party, for the benefit of Nigeria and Nigerians.

Muhammadu Buhari
24 July 2018
http://www.mytips.com.ng/how-buhari-reacted-to-apc-national-assembly-lawmakers-who-dumped-the-party/

Bishop David Oyedepo, has asked President Muhammadu Buhari to resign over his failure to curb the persistent Fulani militant herdsmen killings.

Founder and General Overseer of the Living Faith Church Worldwide, better known as Winners’ Chapel, Bishop David Oyede, has been captured on camera asking President Muhammadu Buhari to resign, as it is the “honorable thing” to do for a “non-performing leader”.
The influential cleric who made the disclosure to his congregation at Cannan Land in Ota, Ogun State, on Sunday, said;

“The most honourable thing for any non-performing leader to do is to resign. The most honourable thing is to resign. That’s my own for Mr President. Resign.

“Get out of office! Even our Islamic friends in the North are calling on him (Buhari) to resign, because that’s the noblest thing to do. Or are we going to look at one system destroy a whole nation?”
Speaking on the theme, ‘Enough is enough’, he added: “When I was talking in 2015, people were saying my own was too much. Now everybody can see what’s happening.

“What has moved forward in anybody’s life? You don’t know it’s war. Why are they attacking the Christian communities? Why has nobody been arrested? I can tell you this, the authorities and the powers that be are behind them.

“I will never be partisan; Jesus got me out of it in 1984. But I will not be alive to see innocent people massacred.

“We must wake up and push this evil back. Not one of those so-called herdsmen, they are jihadists, has been brought to book till date. Herdsmen don’t shoot; they have been here with us all along.
“They just take cover under the herdsmen to assault innocent citizens, wake up in the night and slice children to pieces. Yet, you have a government in place. What!”

Watch the video below;
http://www.mytips.com.ng/watch-the-video-of-bishop-oyedepo-telling-non-performing-buhari-to-resign-get-out-of-office/

Not everyone wants to get married, but if you do, then you naturally don’t want to waste time dating guys who don’t want the same thing. What would be the point? The problem is that it’s way too easy to invest your time and emotions into some dude only to discover that you really do not want to be stuck with him until death do you part. Keep an eye out for the warning signs before you fall head over heels for someone who’s not at your level.

1. He Refuses to Compromise Over Anything

No marriage will ever succeed without compromise. The couple might stay married, but guaranteed, one of them is utterly miserable or secretly resentful. Compromise of the cornerstone of every healthy relationship, whether it results in marriage or not. A man who won’t compromise is too stubborn to be marriage material. He won’t budge, so ask yourself—do you really want to be married to a rock? A dude who won’t work with you not only doesn’t value your opinion, but clearly only values his own. Eff that. Say, “I don’t.”

2. He Tells Lies of Any Shape or Size

Little white lies don’t seem so bad until they pile up until you’re ever sure what’s a fib and what’s for real. Dishonesty is insidious that way. Large or small, an untruth will always weigh on your mind. You don’t want to spend the rest of your life wondering if your spouse is telling the truth. Don’t believe that BS about how small lies don’t matter, either. A dude who lies about his penis size or his job title can lie about anything else, too.
3. He Hates Animals and/or Babies

No big deal if he doesn’t want any pets or kids. Women and men are both entitled to not want either. Actively, genuinely hating animals and tiny humans is another, scarier matter. That kind of hatred is honestly terrifying. There’s always something a bit psychopathic about it.
4. He Mistreats People in the Service Industries

You can always tell who a person truly is from the way they treat anyone in the service industry. From servers and bellboys to cashiers and janitors, pay attention to how the man in your life treats the people who basically take care of everyone else’s crap. It’s easy to treat your “superiors” with respect. It’s how you treat the people who serve you that matters.
5. He Won’t Roll with the Punches

Any guy who can’t handle change can’t handle marriage, either. Just as marriage is full of compromise—ideally, anyway—it’s also full of transition. The very act of getting married is transitional. He’s not going to deal well with living together, either. Discovering that someone else has to share space and introduce their own routines might make him freak out, and you don’t need that.

6. He’s Never Met a Promise He Could Keep

You can’t trust someone who consistently breaks promises. Why make them in the first place? It’s one thing to break a promise that simply can’t be kept—occasionally. It’s another to swear to do something and welch on it over and over again. If he can’t keep his promises now, his behavior won’t improve after you say, “I do.”

SOURCE: http://www.mytips.com.ng/man-9-things-not-marriage-material/

There are many ways you can download Nigeria video online depending on the website where you want to download the video. Whether you want to download movie or music, you can use Youtube or iRokoTV to have a smooth and successful download.

For over five years, iRoko TV has been making the best of Nollywood and foreign movies available for download on their website. iRokoTV gives you the opportunity to download and view Nollywood movies.

The platform started initially as a YouTube channel, and later on a website was set up and a mobile app launched recently.

iRokoTV is one of the initial websites launched in Africa that provides complete access to over 5,000 movies from Nollywood.

iRokoTV is part of iROKO Partners which is one of the leading entertainment companies in Africa, just like the online music platform termed iROKING, and a YouTube channel called Nollywoodlove.

iRokoTV was launched on December 1, 2011; and iROKO Partners was founded in December 2010 by Jason Njoku and Bastian Gotteron, having their headquarters in London, UK.

iRokoTV is termed the largest legal digital distributor of African movies around the globe, and it can easily be referred to as an African Netflix.

Last year, the owner of iRoko TV just launched the Netflix model iRoko App to make Nollywood content easily accessible for all subscribers on their mobile phones.

iRokoTV can unquestionably be termed the biggest content provider for millions of people in Africa and around the world, and the largest African platform for Nollywood movies.

iRokoTV has the newest Nigerian movies with the best actors in Nollywood, whether drama, horror movie, or comedy.

Coming to Youtube, one of the means you can download a YouTube video to your phone is by using an app called TubeMate. You cannot find TubeMate on the Play market. In order to get it, you will need to install it from the app’s website.

Locate “Settings” and find “Security (or Private)”, and in that menu look for toggle for unknown sources and allow the installation of apps from sources other than the Play Market. Installation of the app is easy once you have done that.

We recommend you download the latest version available. Find the Youtube video you would like to download after installing the app, and press the Share button and select TubeMate from the list of options.

In TubeMate, choose the resolution for the video and click Download. You can possibly use TubeMate without the YouTube app, because it comes with a search function that permits you to find videos directly on TubeMate. This method is the only one way you can download videos from YouTube to your phone.

You can use SaveFrom.net to download videos the old way. Locate the video you want to download on YouTube and copy its URL. Inside the box that says ‘Enter the URL’, input the link you have previously copied.

You will see the video and the drop-down list of formats and resolutions you can choose from when the page stops loading. Select one of them and your download will start immediately. You can locate the video in your download folder after the download has completed.

In select countries like Nigeria, Ghana, Kenya, South Africa, Algeria, Egypt. Vietnam, Thailand, Philippines, Malaysia, Libya, India, Pakistan, Yemen and Jordan, the YouTube app allows you to download videos and watch them offline.

If you live in one of the above mentioned countries, you can easily download YouTube videos when the internet is slow or off. You will be given access to them offline for up to 2 days with no internet, then after that you will need to access the internet to add another two days.

Here is what you need to do to simply download the video through the YouTube app which is simple and intuitive: choose the video you would like to download. Under the video itself, you can find the ‘Download’ button next to all the other ones such as share, add to, thumbs up and thumps down.

You can further download option in the context menu in the upper right corner of the video in the form of three vertical dots. Press the download button, and you can track the download progress in the notifications bar.

Immediately after the downloading is completed, the download button will become blue. This implies that you can now access the download video offline on the YouTube app.

To find the downloaded videos, visit Library tab and select Downloads. You can right there choose the videos to watch or remove.

READ THE FULL ARTICLE HERE: http://www.mytips.com.ng/5-ways-to-download-nigeria-video-nollywood-movies-and-music-videos/

How you manage, spend, and invest your money can have a profound impact on your life, yet very few schools teach these important skills. Learning financial savvy can take a while, but the basics are fairly simple and . Here’s where to get started.

You were probably taught some basic math growing up, but too many people make it all the way to adulthood without ever learning basic money management. Skills like creating a budget, investing for the future, or even how credit cards work are startlingly rare skills. If you’re in need of a Money 101, we’ll cover the basics for beginners, while also giving you the resources you need to learn more.

The Golden Rules of Personal Finance

Managing your finances feels like nothing but a lot of paperwork and numbers. You make X amount of dollars, you spend Y amount, and you try to make sure Y is less than X. However, your finances are just as much about psychology, habits, and the values you choose to live by. Put another way, your mindset matters just as much as the math.

Beneath all the software and the budgets, there are a few rules that will always help improve your financial life:

Spend less money than you earn: If you earn $30,000/year and you spend $31,000/year, you’ll end up in a spiral of debt that’s hard to walk away from. If you spend exactly as much as you earn every year, you’ll never be prepared for emergencies or major life changes. Spending less than you earn allows you the freedom to save, to prepare for the future, and deal with the inevitable crises that life throws at you. The bigger the gap between your income and your spending, the better.
Always plan for the future: This doesn’t just mean retirement. When a store offers to let you pay off some gadget in 6 months with no interest, you need to know you can pay it off, or avoid that deal. Establishing an emergency fund will allow you to deal with unexpected car repairs or medical bills. Having a retirement plan will ensure you have income when you’re unable to work anymore. Your finances should always look forward beyond the current month.
Make your money make more money: Want to know how the rich keep getting richer? It’s because money can grow while you sleep, provided you save some of it. Properly invested money earns more money over time. Don’t just sock all your cash away in a low-interest savings account. Invest in things that will earn you more money than you had before. Sometimes that’s an investment account, but sometimes it’s starting a business, or even getting an education to get a better paying job.

The most important personal finance rules don’t change. What your grandparents did may not work for you. There will always be newer, better tools to manage your money. However, spending less than you earn will always be beneficial. Investing your money will always be better than doing nothing with it. And planning for the future will always be better than blowing your paycheck as soon as you get it.
How to Find a Bank Account

It’s neither safe nor advisable to keep all your money under your mattress. You’ll need some kind of account to stash your spending money and short-term savings. A bank (or credit union) can hold your money and allow you to access it with an ATM/debit card. Setting up a bank account is easy. You can usually apply online, or go to a branch, ask a teller to open an account, and they’ll guide you through the process. Choosing a bank is tougher.

Picking a bank means finding an institution that has the services you need with the fewest fees. Common services include debit cards, ATM access (or at least refunding fees for using other bank’s ATMs), paper checks, and a web site where you can see your account balance. While some banks charge monthly fees or require you to have a minimum balance, there are plenty of banks that are worthwhile without either of these requirements. We’ve discussed more about what to look for in a bank here.

Chances are, most adults in your life have recommendations on which bank they prefer. However, if you can’t get a decent suggestion, the FDIC has a tool here that you can use to search for insured banks in your area. The site can find branch locations near you, and give you links to the company’s websites where available. NerdWallet also has a great online tool here that compares checking accounts from a variety of banks.

Of course, keep in mind that not every bank has physical branches. Some banks—like Simple, Ally, or Capital One 360—are online-only. These often come with certain trade-offs (like, you know, not having physical branches), but many offer fewer fees and better services. They also typically offer better interest rates—meaning the money you save earns a little extra money just for keeping it in your account—than traditional banks, because they don’t have as many operating costs associated with physical buildings.

Once you’ve decided on a bank, either go into a local branch or visit the company’s site and ask to open a new account. You’ll need to provide basic forms of identification, including your name, social security number, date of birth, and some form of photo ID like a driver’s license to prove you are who you say you are. You can check with the bank you want for specifics.

If you’re still not sure which bank to go with, don’t worry too much. Most banks generally offer similar services and if you decide you don’t like one, you can always change to another.
How to Set Up a Budget

Do you know where your money goes, or does it kind of just disappear from your account? A budget—even a basic, barebones one—is one of the best ways to make sure you’re spending less than you earn, and starting early is important. When you’re young and your career is new, you don’t have a lot of money. Getting into the habit of categorizing your bills and tracking your expenses will help prevent a lot of financial problems before they start. If you’re making a budget for the first time, it may be easier to start with paper, a pen, and a calculator, but we’ll get to more advanced tools you can use in a bit.

Start by calculating how much money you make in a month. If you get paid hourly, multiply your wage by the typical number of hours you work each month. Then, write down all of your regular expenses. This includes recurring costs like your rent or mortgage, utilities, car payments, and and so on. For more complex things like food, you may need to track what you spend over time. Gather up your receipts for the past few weeks, or use your bank’s transaction history if paperwork isn’t your thing. If you can’t get a precise number, estimate in the meantime. Then, keep track of all your expenses for the next month or two. At the end of each month, add everything up to see how much you’re spending in each category.

Ideally, the amount you spend in a month should be lower than the amount you earn. If it’s not, start going over your list and see which expenses you can cut down on until it is. If you have to, cut ruthlessly. For some, it may be as easy as cutting those lattes, but for others, you may have some big decisions to make—like whether you can afford to live in that expensive city.

Once you get the hang of tracking your expenses, you can try using a service like Mint to manage it for you. Connect your bank account and it will automatically tag your transactions, so you can easily see how much you’re spending on bills, groceries, restaurants, shopping, and other categories. You can also use it to set budgets for different things like groceries or entertainment and get notified when you’re going over. You can read more about how to use Mint with our beginner’s guide.

So you’ve gotten into the habit of tracking your spending, and now it’s time to create that budget. There are a few different philosophies here. Some people prefer to have a very detailed transaction history with strict allotments for expenses like food, clothing, and entertainment. Others, like financial expert Ramit Sethi, believe that being overly strict doesn’t work. Instead, Sethi suggests dividing your money into four categories:

Fixed costs (50-60%): This should include every cost that you know is coming each month, that rarely change. That means rent, gas, power, groceries, your cellphone bill, and anything else that generally stays the same. Some of these may vary a bit from month to month, but are at least somewhat predictable, and are necessary for regular life.
Investments (10%): As you build your savings (which we’ll discuss later on), you’ll eventually want to invest some of your money so it grows over time. If you have any investments like a company 401(k) that come out of your paycheck, you can count it here.
Savings (5-10%): Short- and long-term savings should go in this category. This includes saving up for vacations, gifts, or large purchases like a new TV or computer. You should also include an emergency fund—which is just a block of money you keep in a savings account for unexpected emergencies like car repairs or sudden bills—in this category.
Guilt-free spending (20-35%): This category is where you can put whatever you want. Dining out, drinking, or splurging on entertainment is often seen as a financial vice, but the truth is, we do these things because we enjoy them. As long as you have the other three categories covered you can spend this money without feeling guilty about your budget.

Those are Sethi’s recommendations for young people, but you can (and should) adjust the percentages based on your age, your financial goals, and what you find important. Remember: the more you save, the more money you’ll have later on to buy a house, retire early, or achieve other goals. (We’ll talk about this more in a bit.)

Ultimately, budgeting just means knowing where your money is going and planning ahead. If you don’t want to go to the trouble of writing down every single dime you spend at the gas station, this model will still cover most of what you need to budget for. The only thing you need to decide is how much you’ll place in each category. We’ve included Sethi’s recommended percentages as a guide, but you can adjust as needed. If you can’t afford to save or invest 10% of your income after expenses, save what you can. You can also add more to your savings rather than forcing yourself to spend 20% of your budget on guilty pleasures. The more you can save, the better!

There’s no shortage of personal finance tools to help you manage your budget.

Read the whole Article here http://www.mytips.com.ng/how-to-start-managing-your-money-for-those-who-never-learned-growing-up/

Read enough financial advice and you can start to get the sense that any mistake or flaw in your financial life is catastrophic. In fact the opposite is true. Not only is it okay to be imperfect, but you can turn even the worst disaster around.

As personal finance site The Frugal Vagabond explains, financial imperfection is a fact of life. Whether you rack up more credit card debt than you intended, missed a few bill payments, or just aren’t saving enough, everyone falls on hard times at some point. That doesn’t mean you’ve failed entirely, and it certainly doesn’t mean you can’t bounce back. The site shares this story in the context of marrying someone who has some financially imperfect habits:

If we applied the same cold, impersonal calculus to relationships that we do to crushing debt and maximizing our savings, we’d probably all die alone. We’d be forever optimizing our choice of partner, looking for the ideal co-saver. We’d demand a high-earning, debt-defying, minimally materialistic badass and accept nothing less. Since most of us are human first, and high-octane savings engines second, it generally doesn’t work out that way. Choosing a partner like we choose a new laptop– based on a list of specifications and features– is completely unrealistic.

Of course, even if you’re the financially imperfect one in your relationship, it’s still possible to get on track. Learn the basics of personal finance, get a budget, start saving, and pay down debt. It won’t happen quickly, and it won’t necessarily feel great, but making the changes necessary to start balancing and out-of-whack budget is feasible for almost everyone, even if you’re imperfect at it.

Source: http://www.mytips.com.ng/your-finances-dont-have-to-be-perfect-to-work/

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