Traffic is money and money must be made. Afterall when they were setting up the blog in question u saw gossip there including rumor and gist. Nigerian Entertainment bloggers i salute.


For your Businesss idea, and management,
job-tips, available loans and important of
insurance check
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Blame the parents, i said blame the parents.

For your Businesss idea, and management, job-tips, available loans and important of insurance check my signature.

if you are still doubting that America is a land where anything can happen this i believe is ur answer one thing i love that country with. If is over here the kind of abuse the kids must have recieve will make them ask their mom if truely she is their biological mother. After africa backward is our next name tufikwia.

For your Businesss idea, and management,
job-tips, available loans and important of
insurance check
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Pdp and court case are like 5 & 6
For your Businesss idea, and management, job-tips, available loans and important of insurance check my signature.

Not that i don't trust this report just that am not comfortable with the way US is going about honestly with the way this ppl used African's to test ebola virus they can as well have hand in boko haram. By the way how many war has US won over imsurgency. Ooooooh US is even now taking report from Aljazeera. Anyway i blame Northern part of the country they ask for it


For your Businesss idea, and management,
job-tips, available loans and important of
insurance check
my signature.

Not that i don't trust this report just that am not comfortable with the way US is going about honestly with the way this ppl used African's to test ebola virus they can as well have hand in boko haram. By the way how war has US won over imsurgency. Ooooooh US is even now taking report from Aljazeera. Anyway i blame Northern part of the country they ask for it


For your Businesss idea, and management,
job-tips, available loans and important of
insurance check
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Inasmuch as we are all bloggers with different inche sometimes the rate you guy publishe post without any sure info make's it look bad.


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job-tips, available loans and important of
insurance check
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Good enabling evironment is all that is needed to attract investment too bad even our goverment is finding it hard to do and our day to day activities are not helping matters here 5 our of 36 poor result i must confess.

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job-tips, available loans and important of
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No need even without be told, how can you tell T.Y Danjuma is one of the richest people in Africa but Obj name who was the head of state then is nowhere to be found. Tomorrow they will tell us Dangote is the richest man in Africa then IBB and OBJ are where please fake country fake smiles fake setup.


For your Businesss idea, and management,
job-tips, available loans and important of
insurance check
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@72 in this Nigeria sir you are real bless rest well that is if you deserve it
For your Businesss idea, and management, job-tips, available loans and important of insurance check my signature.

Peter Obi doing every thing to remain god-father if this one win again tomorrow you will hear he is sturbonr and does listen ro advice. By the way no election.

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job-tips, available loans and important of
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So we should do what, what happen has happen they whould deal with.
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Most of us knows that already. Just hope some will read the content well and fully prepared for the responsible and not just read the headlines and straight off to work.

For your Businesss idea, and management,
job-tips, available loans and important of
insurance check
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With the situation Nigeria is in from time set Nigerians only need just little light to shine, goverment knows about this but they won't do the right thing. Great people bad nation.

For your Businesss idea, and management,
job-tips, available loans and important of
insurance check
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Exactly what i wanted to say, but goverment policy is sometimes not helping matters here.

For your Businesss idea, and management,
job-tips, available loans and important of
insurance check
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edunaking:
Seriously, business need to be taken seriously in our institutions, as a marketing graduate, I know the implications of this on the south African economy and the Nigerian market is large enough to accommodate a major competitor, and it would benefit us, only if our banks and govt are cooperative.

Franco93:
Where are all those shouting Buhari to resume, you have seen what you have caused. Buhari has negetive frequencies, failure follows him anywhere he goes,

Am sorry to say this but i totally agree with you on this one.

For your Businesss idea, and management,
job-tips, available loans and important of
insurance check
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Long overdue even if is only this he achieve this year beta. As its now nothing is working, very bad for his image.

For your Businesss idea, and management,
job-tips, available loans and important of
insurance check
my signature.

i hate to say this but believe me at this point this country is really not working, why because the next I.G will be worse.


For your Businesss idea, and management,
job-tips, available loans and important of insurance check
my signature.

Honestly the moment that story began to fly up and down i knew something was wrong somewhere. in every rumor in Nigeria check well there's atom of true there. By the way is her story.

For your Businesss idea, and management, available loans and important of insurance check my signature.

One of the best bank in Nigeria with clear picture for the future. Just love their insurance aspect so much.

For your loan, insurance, job-Tips and business idea check my signature.

Though your mom has done alot for you as you rightly said. The issue is what have your mom done for Nigeria.


For your loan, insurance, job-Tips and business idea check my signature.

Honestly this is bad but on behalf of them am pleading they forget because not feeding them at all is another serious problem for Nigeria





For your loan, insurance, job-Tips and business idea check my signature.

forever24:
Pls i really need to know about blogging...pls assist. My whatsapp number is 07084185633

i will chat u up later sorry for the delay

Nowadays is very hard to convince people the vital role insurance play in their day to day life more especially in the area of business since everything we do can be tag as business in one way or the other. But that not withstanding there are still those who understand this role very well and are always ready to stand by it. Well today am going to be listing important role insurance play, so if you are a business man or woman i will simply advise that you take whatever you are going to be reading here serious and let had i know never be your portion.

Like i stated above many business owners feel business insurance is an expense they cannot afford, or is a luxury for more established businesses. Although it is true business insurance can be expensive, it is an expense every business, regardless of the industry, size or length of time in existence, needs to include in its budget.

Liability
Though somehow this very one is not applicable in Nigeria here but the fact remains If a customer slips and falls while on your business premises or your product has a defect that injures a customer and you do not have insurance, this could spell the end of your business. Yes you may not agree but that is true. Or let say your company car is involved in an accident and someone is injured, that could be disastrous as well. Business liability insurance covers accidents that occur on the business premises, product defects and mishaps that occur during normal business operations on and off premises. Which i believe you will agree with me happens always.

Personal Injury or Illness
Over the year i have always maintain that Business owners aught to have personal insurance as well. Medical insurance will ensure medical bills incurred due to an illness or injury will not wipe out a business's assets.

Read Also: Travel Insurance Reviews- Learn How To Get Cheap/Best Family Travel Insurance

Theft
A very common issue here that don need much talk. Is very understandable that new business is a big target for thieves. New computers, furniture and other office equipment is worth more at a pawn or chop shop than older equipment. Even older businesses that have just undergone renovations and upgrades are a target. Replacement insurance protects a business in the event equipment is stolen, replacing the missing items and paying for repairs from damage caused by the invasion. This very act alone have over the years rendered some business useless. I will encourage you act fast.


Litigation
Here i believe you will agree with me that we live in a litigious society. Businesses are sued by individuals and other businesses for a variety of reasons, legitimate and otherwise. Even the most frivolous lawsuit can be costly to defend; and in the event a business ends up on the losing end of a lawsuit, the awarded damages could exceed the business's capabilities to pay. Depending on the business entity structure, not only the business assets, but also the owner's personal assets could be at risk. Business liability insurance, malpractice insurance or professional liability insurance will cover at least part, if not all, of any damages.Don't wait until you fall victim but you get one.

Read Also: Steps On How To Become Financial Advisor, Loans For Insurance Agents

Level of Coverage
The important true here you must always bear in mind is how much insurance to carry will depend on your industry, the business structure and the amount of assets your business has. The location of the business within such as coastal or rural, and whether the building is leased or owned will also be a factor. For example, a law firm partnership that owns the building in which it is housed might need more insurance than a jewelry designer operating out of her home. With this in mind i believe you have less to worry.

Catastrophic Loss
Indeed business insurance protects a business from closing due to a catastrophic loss. Like Fires, floods, hurricanes and tornadoes have been the end of many businesses in in the world. When a company carries insurance against these types of losses, believe me closure and loss are only temporary instead of permanent. My simple advise here is companies shoule always consider business interruption insurance, a rider on their business insurance policy, to ensure continued cash flow for the duration of a closure due to a natural disaster. http://careinsure..com.ng/2017/08/important-of-business-insurance-and.html

For those of us looking for the available loan out there to help them kick start their business or whatever, well i have good news for you the early you take advantage of it the better. While i was going to the net i came across these wonderful info and wish to share it, believing it will be of help to somebody out there. Apart from BOI FUND which from personal experience is not worth it i strongly believe others are okay for serious minded.



Though you can still try them out hence the reason i included them here. Remember you must stated out your plan clearly and be ready to present different documents you maybe ask of like, National I.D the current one, International passport, Driving license, Taxi bill, birth certificate, and others you maybe ask of.


Indeed the general criterion for getting these funds is the capacity to present a bankable and viable business plan. The entrepreneur should be clear on where he wants to be in the near future, and must also be able to describe the market for his or her products.


BoI Funds
If there is anywhere entrepreneurs can get cheap or single-digit funds (often at nine percent lending rate), it’s from the Bank of Industry (BoI).

This development finance institution (DFI) has been rated by many local and international agencies as one of the best managed banks in the world.

The BoI has a number of funds that entrepreneurs of all levels can access. First is the Graduate Entrepreneurship Fund (GEF), which is meant for serving members of the National Youth Service Corps (NYSC). Candidates are allowed to submit their business ideas, which are then reviewed by a team of experts. The NYSC members whose ideas are marketable and bankable are then selected, trained for four weeks and then given between N500,000 and N2 million.

There are also the Cottage Agro Processing (CAP) Fund for small and medium agro processors; Nolly Fund for players in the Nollywood industry, as well as Fashion Fund for designers and other players in the value chain.



Read Also: What You Must Know About Pay Day Loans And How To Get One Easily


In fact, the bank has other matching and managed funds, including a fund for the automotive industry. Through 122 business development experts, entrepreneurs can access funds easily. It is also easy to access some of the bank’s products through its website.

The bank has a N5 billion fund from Africa’s richest man Aliko Dangote to finance SMEs at a single digit rate.

“We want to continue to create opportunities for Nigerian entrepreneurs and support the industrialisation efforts of the government,” said Waheed Olagunju, acting CEO and MD of BoI, at a forum in Lagos in 2016.

Tony Elumelu Fund
Tony Elumelu Foundation has $100 million for 10,000 African entrepreneurs. This will continue to be available for another seven to eight years. If you are in agriculture, fashion and design, light manufacturing, ICT, and solid minerals, among others, then apply for the on-going Tony Elumemu fund. You can be lucky to be one of 1,000 entrepreneurs to be shortlisted.

Through the Elumelu fund, Momarr Mass Taal, the CEO of Tropingo Foods in The Gambia, who got $5,000 seed capital in 2015, turned his enterprise into a $1.2 million revenue business.

GroFin Fund
GroFin, a development financier, has committed over $500 million to funding Nigerian micro, small and medium business (MSMEs) across the country.

The firm has five different types of fund: the Aspire Nigeria Fund, the Growth Africa Fund, the Small Growing Business Fund, the Aspire Small Business Fund and the Aspire Growth Fund.

The Aspire Nigeria Fund, the Growth Africa Fund and the Small Growing Business Fund cater for all parts of Nigeria except the Niger Delta.

The Aspire Small Business Fund provides a minimum of $100,000 and a maximum of $1.5 million to SMEs in Nigeria.

The Aspire Small Business Fund and the Aspire Growth Fund cater for the Niger Delta.
The Aspire Small Business Fund provides between $10,000 and $100,000 to small business owners in the oil-rich region, while the Aspire Growth Fund frees between $100,000 and $3 million to businesses to stimulate growth in the area. GroFin provides its funds mostly for a maximum of six years.



Read Also: In Need Of Quick Cash Borrow Money Online urgently With This Options


Shell LiveWire
The Shell Petroleum Development Company of Nigeria Limited has a number of funds for young entrepreneurs, including women.

Through the programme , Shell provides support, access to training, guidance, and business mentorship to young entrepreneurs and potential entrepreneurs between the ages of 18 and 35.

The programme operates mainly in the Niger Delta region and aims to inspire, encourage and support young people to start up their own businesses through the provision of finance and training for young entrepreneurs, according to Shell.

Lagos State Employment Trust Fund
Lagos State has N25 billion to support SMEs. The fund is divided into two categories; micro and small businesses. Under the micro, businesses can access up to N500, 000 loans with an interest rate of five percent and a tenor of one year. For the small business category, businesses can get up to N5 million for a tenor of three years. The criteria for accessing the funds include: membership of a business organisation, which will recommend the business for the loan; Lagos State tax receipt for at least six months, and Lagos state residency card. This takes three weeks for processing.

“There are various funding available to owners of small businesses. In our business organisation we have access to the government Social Intervention Fund, Lagos State Employment Trust Fund and the Bank of Industry micro lending fund,” Femi Egbesola, national president, Association of Small Business Owners (ASBON), told Start-Up Digest.

Social Intervention Fund of FG

A total of N6 billion was allocated under the Social Intervention Fund of the 2017 budget. The criteria for accessing the fund include membership of a business organisation. The fund is for artisans and owners of micro businesses. The artisans of business owners can only access a maximum of N100, 000 at three percent interest rate on a year tenor.

Oxfam
Oxfam has a number of funds for Nigerian entrepreneurs.Oxfam, an international confederation of charitable organisations focused on the alleviation of global poverty, recently disbursed €100 million to high-impact SMEs in Nigeria through Nextzon.

But in-case the all the above fail which i doubt if you know what you want you can still try AB Microfinance Bank that has been changing life of people tremendous good luck. http://careinsure..com.ng/2017/08/current-available-fundsloan-for.html

So you decided to start a finance career offering auto insurance quotes. With the proper training, you will be able to give a reasonable amount to the client.

Some of the things you have to consider will be the type of car that person is using. For that, you need to get information about the vehicle including the sticker price, the cost of repair should it be damaged, its replacement value, safety features, its ability to withstand an accident and crash tests.

Most insurance companies approve quickly vehicles that are big because they do not sustain that much damage in an accident. However, this changes if your vehicle caused serious damage to another vehicle.

This is why you will also need to review the client’s driving history. If their record is clean, then there won’t be any problems offering an affordable insurance quote and then later on approving it.

Read Also:Insurance Options-Important Role Of Agric Insurance In Nigeria

A few examples of the inexpensive vehicles that usually get a low auto insurance quote are the Buick LeSabre, Chevrolet Astro, Jeep Wrangler, Oldsmobile Bravada, Mercury Grand Marquis and the Pontiac Montana.

The most expensive ones are the Audi S4, BMW X5, Jaguar X-Type, Land Rover Discovery Series II, Lexus IS 300, Mitsubishi Montero and the Toyota 4Runner because these vehicles are considered to be luxury cars.

But how can your finance career selling auto insurance quotes succeed? The key to this is the proper training from your employer and then your attitude towards it.

When customers file for auto insurance, they will be going to various offices to see which one will give them good value for their money. On your part, you can do well here by offering them discounts should they pay the amount in lump sum. Most companies do this so it is just a matter of selling your point to the customer.

Read Also: Original Car Insurance-How To Get Genuine Insurance Company/Broker When Getting A Comprehensive Cover

You can also offer advice to the person by suggesting to them acquiring additional safety features in their vehicle to prevent it from being stolen or from injuries that may be occur during an accident. While cars may have some of these already installed, older models don’t especially when manufacturers are only required to put air bags in the front and not on the back.

Another suggestion will be encouraging the driver of the vehicle to take defensive driving courses. Although accidents do happen when we least expect it, proper training could avert physical injuries and damage to property.

There is nothing you can do if the customer who wants to apply for auto insurance has a bad credit history. However, if they are able to keep themselves clean, they will no longer be considered as high risk drivers so they can come back later on and get a good auto insurance quote from you.

Being helpful to the client will surely make you succeed when you decide to pursue a finance career offering or selling auto insurance quotes. This is because you will probably do better than your colleagues as you bring in more money to the business that could mean a promotion and an increase in your salary.

You just have to play it smart when you are starting out and then keeping up the good work because even if the cost of auto insurance increases, drivers still need to get their vehicles insured.


Steps Towards an Insurance Agent Finance Career Change

Everything changes. Nothing in this world is permanent except change. The dream of an insurance agent finance career change may not be just a dream. It is possible and will come true if one knows what to do in order to achieve what they want to happen.

Insurance Agent 101

Who are these people who are known as the insurance agents? They sell policies that have something to do with insurance to different individuals. This is why they are also known as insurance sales agents.

These agents are classified according to groups. They may be captive agents. These agents work for one insurance company and their job is to sell the products of that company. The brokers, also known as independent agents of insurance are affiliated with different companies.

The clients for this workforce are the families, even individuals and certain businesses. It all depends on the type of policies that they are selling. Some examples of these policies are health or life insurance, property, even casualty, disability and those that cater to long term care. These agents may also sell variable type of annuities, or mutual funds and other kinds of securities.

There is really no educational requirement to be able to succeed in this type of work. A person needs to be able to strategize on their selling skills. There are some companies that require their agents to be college graduates. Others may even prefer those with a degree in business. But for other firms, a high school diploma would suffice.

Read Also: How To Get Cheap Medical Insurance for International Travel

There are different processes regarding the renewal of license for the agents in different US states. All these states oblige every insurance agent to have a license. They need to get different licenses depending on what kind of policies they are selling. Many states even require these sales agents to fulfill a pre-licensing course and then pass the examinations prepared by the state where they are.

Decided to Move On

Being an insurance agent is a profitable career, especially if you are good in sales. But if you are really decided to make the move for a career change, then here are some tips for you to think about.

First, think hard. See if the other opportunities are really better. Weigh every option. Finding a new job may be easy. But finding the job that would really fulfill you may be the harder part. So think about everything and decide on your own if you really need to make the leap.

You also have to see the world in general. What are your options? Do you think it will be easy to penetrate that other field? Do you think that you can handle the sudden diversion of things after making the move towards the other career? If so, then maybe you really are better off with that especially if you are no longer being fulfilled by your current job. http://careinsure..com.ng/2017/08/untapped-area-finance-career-auto.html

The skin is one of the most important parts of our body, not only for health purposes, but for appearance purposes too. That is why a large number of men, women, and teenagers go through great lengths to ensure that their skin is healthy. Unfortunately, there are times when a skin complication, such as rash or a sunburn may occur. When it does, natural remedies can provide great relief, but only if caution is used.

When hearing that caution should be used when looking to treat a number of minor skin conditions, there are many individuals who are concerned. After all, natural remedies are supposed to be a safe way to seek treatment or relief from a minor medical condition. Yes, natural remedies are safe, but it is also important to proceed with caution where the skin is concerned. This is because the human skin reacts differently to different items, including ingredients in many home remedies.

One type of skin condition that many individuals seek treatment for is that of a wart. Warts can be painful, but they can also be unattractive. The good news is that there are a number of natural remedies that be used to remove a wart. One of those remedies involves applying the milk from a dandelion weed multiple times a day until the wart is removed. Although this natural remedy will see success for many, it is important to take your skin into consideration. Do you regularly find yourself itching after coming into contact with weeds, plants, or flowers? If you do, a dandelion natural remedy may not be right for you, as it may cause further skin irritation.



Read Also: Platinum Soursop One Of Celebrity Secrets Of Staying Young


Although it is important to proceed with caution when using any natural remedy, especially a remedy to treat a minor skin condition, it is important that you do not completely write off home remedies. Remember that they do work and there are a number of benefits to using them. These benefits include affordability and ease, as most of the items needed for natural remedies can already be found in the home and a natural remedy can save you from having to make a costly trip to the doctor’s office.

As for safely and effectively using a natural remedy to treat a skin condition, do not use any natural remedies that have an ingredient that you know you are allergic to or that you have reactions to, such as dairy products. Also, be sure to be careful with large portions of the skin that need to be treated. For example, if your whole arm has broken out in an eczema rash, test a natural remedy on a small part of your arm before covering the whole area. This will help to make sure that natural remedy in question will not lead to further skin irritation. When taking this approach though, please remember that you may not see immediate relief or disappearance of a rash, as many remedies take at least two or three days to start working.

As stated above, it is important to proceed with caution when using a natural remedy or a home remedy to treat a skin condition. With that being said, as long as you know exactly what you are applying to your skin and as long as you follow all directions, you should be able to see success.

Also remember that bit about Graviola. Graviola has been taken for its natural healing properties for years and due to information provided in recent years by RainTree Nutrition, The National Health Sciences Institute and a popular Dr's TV show, there has been tremendous excitement to take Graviola. Graviola, also known as Soursop, Guanabana and Brizillian Paw Pawis a powerful herbal supplement that indigenous Indians of South American have used for centuries to strengthen the body's natural defenses. What makes graviola so unique is its wide variety of bioactive phytonutrients, which work naturally at the cellular and systemic levels. http://beautyproductsell..com.ng/2017/08/most-effective-ways-of-using-natural.html

A good Ad agency can take a business and propel its success forward in ways that few other business partners can do. If the business is one that will benefit from promotion or advertising, the right AD agency bring to the table the talent, the creativity and the resources to put together just the right advertising campaign

and then to deploy it in a way that is a perfect fit for the business’s marketing objectives and for the market that the business serves.


But for every success story of how an AD agency took a business to the next level of success, there are plenty of horror stories of terrible advertising campaigns. A bad advertising strategy not only fail to escalate the sales and success of the business, it may damage the business in the eyes of the consumer and cause damage that could take years to fix.


There comes a time in the life of any business when the decision is made to either employ the business’s first AD agency or to change agencies to find one that can fit the marketing objectives of the company. To be sure that this process results in one of those success stories and not one of those horror tales, some precautions are in order such as…


§ Nail down the company’s marketing objectives before you meet with candidate agencies. Don’t allow the AD agency to dictate what your marketing goals are. By taking charge of what you want before you begin the process, the chances of finding just the right agency are vastly improved.


§ Put together a review committee for the search process of finding the right agency. This team is well informed about the company objectives and the marketing goals that lead to the decision to bring an AD agency on. They can be kept together throughout the selection process so you have wisdom from many different parts of the company management structure to guide the process.


Read Also: Best Ways Of Making Money On Start Up Business


§ Nail down the budget for the project before you put the invitations out to AD agencies to bid on your business. If you know exactly how much you can spend, that will help in the selection of the right agency and in setting their limitations early in the relationship.


§ Establish the schedule of how long you have find an AD agency and then the time frame they have to put a campaign together, get it approved, produced and activated so the outcome is in sync with the company objectives. If you have a major product announcement coming along, the time to start finding an AD agency is months before the week when the product goes public. By timing the project so adequate time is allowed for each step, you don’t rush the process and end up with an inferior promotion which will result in unsatisfactory results.


§ Make sure the AD agencies you invite to bid on the business understand your business, what you do, the product to be promoted, your market and your business image. They should also be aware of previous marketing efforts that were done by the business. If the previous efforts were successful, there may be a strong tie in to the next promotion that would work well. If that last promotion was bad or needs major improvement, the AD agency should know that so they can steer clear of the same mistakes.


By doing some planning up front and being ready when you begin to bring AD agencies in to discuss your goals, you will vastly improve your chances of selecting the right firm. And by finding the right AD agency, you vastly improve the success your advertising will bring to the company which can be a tremendous boost to the corporate profitability. https://careinsure..com.ng/2017/08/steps-on-how-to-get-perfect-ad-agency.html

attackgat:
General TY Danjuma was one of those Northern Army officers who held Nigeria by neck for fr 13 solid years (1966-1979)

Danjuma was the one who led soldiers to Government House Ibadan where the Head of state, General Ironsi was staying as a guest of Lt Colonel Fajuyi, Military Governor of Western Nigeria.

Danjuma abducted both men executed them. This elevated Danjuma's profile as a gifted coup plotter and sadistic killer

He rose rapidly in the army after this and by the age of just 40, he was a Lt General and Chief of Army staff.

After the Dimka coup which resulted in the death of Murtala Mohammed, Danjuma became the highest Ranking Northerner in the Nigerian Army. The North actually wanted him to become head of state but he decided not to take over the position, leaving it for Obasunjo.

He retired a a very rich man and became chairman of several blue chip companies such as Nestlie Nigeria. He later aquired several Oil blocs and made billions.

Danjuma was just another opportunist who used his position in the military to become stupendiously rich

thank u so much i love this

doctokwus:
The question that should be asked is how did you manage to have access to the internet with this your grammar.

correct me nah please

GoldNiagara:
We know where your hypocritical enquiry is headed. Aboki called Danjuma was smarter, there was bid for oil block, he set up a company borrowed money from banks applied and got an oil block, did not fight the system but used his position to use the system to benefit him.


Your brother Ihejirika or what ever diverted arms money with others including a dasuki, which is stealing and affront to the system and he ought to serve his just dessert.

Danjuma by law is not a criminal but same cannot be said of your guy. So your guy will not be pampered cos he is Igbo or cos Dawkins owes oil blocks, there are igbo's that owe oil blocks in this country, but he will be punished for stealing what was entrusted to him.

you are getting it wrong but if that is how u feel is okay at least you made your point clear which is all i care
beside i have not gotten penny from Ihejirika don't even think he knows somebody like me exist and am sure Danjuma don't even know u so why are this heat thank you.

joey150:
After reading this excuse of a write up, i felt like my IQ slightly reduced.

How?