₦airaland Forum

According to Rianka Dorsainvil, an entrepreneur and financial planning expert, here are five money management tips for millennials to help them align their careers with their life purpose and realise their dreams.

Spend less than you earn

It sounds so simple, but many people do not do this. If you find you are accruing credit card debt, that means you are living beyond your means, and you need to cut back on your expenses. A little bit goes a long way; any amount you can save each month will quickly add up.

Make yourself a budget

Do not be afraid of the “B” word. Understanding and knowing where your money is going is extremely important. Be disciplined around cash flow. Every dollar should be assigned a job and tracked as to where it is going. Once you keep track of your money for three months, you will be amazed to see where your money goes.

Learn about compounding interest

Compounding interest is your best friend. You get interest on the interest received from previous years, which is perfect for young people who are investing for the long haul. Start investing now. That way, should you decide you want a second act in life pursuing some new passion or business idea; you will have a nest egg to fall back and won’t be afraid to take that leap.

Always invest in a retirement account

You may have competing goals right now, like paying off student loan debt, saving for the purchase for a home, or getting married. But saving money should be a priority. Find it within your budget to take advantage of what your company offers in terms of a retirement account. We all should be investing to the maximum of the matching funds provided by our employers.


Source and more:
Managing your money towards realising your dreams http://www.sanwomi.com/2018/09/managing-your-money-towards-realising.html


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Increase in crude oil price, as well as domestic oil production, raised the nation’s revenues from oil, which made the three tiers of government to share N2tn in the second quarter of this year, the Nigerian Extractive Industry Transparency Initiative has said.

The Director, Communications and Advocacy, NEITI, Dr Ogbonnaya Orji, said in a statement made available to our correspondent on Monday that the disclosure was contained in agency’s Quarterly Review.

According to the statement, the federal, state and local governments shared N3.95tn from the Federation Account in the first six months of the year.

Featuring data sourced from the National Bureau of Statistics, the statement also showed that within the first half of the year, Osun State received N10.24bn from the Federation Account, while its account was debited with N14.52bn.

This means that the total deductions from the state’s account was N4.28bn more than it received from the Federation Account. States accounts are debited due to local and foreign debts they have contracted.


Source and more:
FG, states, LGs share N2tn in three months http://www.sanwomi.com/2018/09/fg-states-lgs-share-n2tn-in-three-months.html



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The Federal Government has released N9bn for the construction of 550 low-cost houses in Zuba, a suburb of the Federal Capital Territory, in the pilot phase.

According to the Federal Housing Authority, the low-cost houses, which shall be replicated in the all state capitals across the country, will be specifically for low income earners.

The Managing Director/Chief Executive Officer, FHA, Prof Mohammed Al-Amin, disclosed this in Abuja after inspecting the ongoing construction work at the site of the pilot project in Zuba.

He said, “This project started 14 weeks ago. It is a mixture of one, two and three-bedroom houses and flats. A total of 550 houses are to be produced there. In every site is a direct stage of construction and we are expecting to invest N9bn in the project. Already, we have this money in our account.


Source and more:
FG releases N9bn for the construction of 550 low-cost houses http://www.sanwomi.com/2018/09/fg-releases-n9bn-for-construction-of.html

Nearly five years after the nation’s power sector was privatised, core investors in the electricity distribution companies say they have been unable to recoup their investment in the acquired assets.

The Discos said it was not true that new investors were waiting to buy stakes in the power distribution assets, describing calls for the core investors in the power firms to invest more as irrational.

The Chief Executive Officer, Association of Nigerian Electricity Distributors, an umbrella body for the Discos, Mr Azu Obiaya, told our correspondent in an interview that most of the core investors would be happy to sell off the assets they acquired in November 2013.

He said, “You may recall that at an investors’ press briefing, the chairman of Aura Energy, the investors in Jos Disco, indicated that he was prepared to sell Jos Disco at a discount, given the current environment.

“And I think that you can essentially project that sentiment for all of the Disco investors; that indeed the environment that would have made their investment worthwhile is not there. So, to the extent that it is not there, most of the Disco investors would happily sell the assets to any interested parties to get back their money.

Source and more:
Discos - Investors not willing to buy stake in power assets http://www.sanwomi.com/2018/09/discos-investors-not-willing-to-buy.html

Nearly five years after the nation’s power sector was privatised, core investors in the electricity distribution companies say they have been unable to recoup their investment in the acquired assets.

The Discos said it was not true that new investors were waiting to buy stakes in the power distribution assets, describing calls for the core investors in the power firms to invest more as irrational.

The Chief Executive Officer, Association of Nigerian Electricity Distributors, an umbrella body for the Discos, Mr Azu Obiaya, told our correspondent in an interview that most of the core investors would be happy to sell off the assets they acquired in November 2013.

He said, “You may recall that at an investors’ press briefing, the chairman of Aura Energy, the investors in Jos Disco, indicated that he was prepared to sell Jos Disco at a discount, given the current environment.

“And I think that you can essentially project that sentiment for all of the Disco investors; that indeed the environment that would have made their investment worthwhile is not there. So, to the extent that it is not there, most of the Disco investors would happily sell the assets to any interested parties to get back their money.

Source and more:
Discos - Investors not willing to buy stake in power assets http://www.sanwomi.com/2018/09/discos-investors-not-willing-to-buy.html

The Corporate Affairs Commission says it is working towards the deployment of effective Information Technology application to ensure the registration of business names within a period of four to six hours.

The Acting Registrar-General of the commission, Azuka Azinge, dropped the hint in Abuja at the annual conference of the Nigerian Bar Association.

The move is part of efforts aimed at addressing some of the bottlenecks usually encountered during the registration of business names.

Azinge said the commission understood the challenges usually encountered in the registration of companies, adding that the management of the CAC was working towards deploying a more robust application to drastically improve the situation.

She also hinted of plans by the commission to deploy application that would ensure self-generation of certificates.


Source and more:
CAC TO START REGISTERING BUSINESSES WITHIN 6 HOURS http://www.sanwomi.com/2018/09/cac-to-start-registering-businesses.html

They is a lot of controversies on how the church earnings should. Some people believe that all should go to the pastor, some believe that part should go to the pastor others for church maintenance, charity and payment of church workers.  Many pastors has been accused of embezzlement of church funds while others have been accused of buying luxury such as private jet, luxury car etc.

Also a question has not been answered for a long time if pastors should have a separate job from the church work or is it compulsory for the pastor to earn from the church.

Source and more:
How Should A Church Earning Be Shared. http://www.sanwomi.com/2018/09/how-should-church-earning-be-shared.html


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Sartudays are always filled with event because that is the only day some individuals have free time unlike Sundays where people go for church service or asalatu.
People go to resort centers, club, events, concerts etc on sartudays.
We take you through the things you can do sartudays aside from your normal regular daily jobs.

1 Wait and Get pictures: You can snap people at events such as weddings, naming ceremony and also at resort centers then print the picture for them before the leave.

2 Sell snacks and drinks: You can also sell drinks with good quality and snacks for guest refreshments.

3 DJ:  Recently people don't really focus on DJ skills if it is not a club. Without learning how do DJ you can just play continuous songs for people or download DJ mix only then play it at events.

4 Make smoothies and Shawarma: When going to resort center people don't really like to buy what they eat regularly at home. That why selling smoothies and Shawarma highly demanded at resort centers.

5 Fitness training: You can volunteer to have open fitness centre to train people on sartudays only since people would be busy other days.

Source and more:
Things you can do on sartudays for extra income. http://www.sanwomi.com/2018/09/things-you-can-do-on-sartudays-for.html

The Hybrid Rice Seedling Factory built by the Cross River State Government at the cost of N3bn is estimated to generate at least N14bn annually.

The factory, which was unveiled in May by President Muhammadu Buhari, is sited in Calabar, the capital of Cross River State.

Conducting journalists round the facility on Thursday, the state Commissioner of Agriculture, Prof. Anthony Eneji, said the product from factory is expected to meet the hybrid seed demands of farmers in the entire south-south and south-east regions.

Eneji said the factory was built at a cost of over N3bn in terms of planning, design, construction and equipping.

He said an estimated N1.2bn would be generated monthly from about 1, 000 hectares of land, which conservatively is put at about N14bn annually.

Eneji said, “If we get eight tonnes per hectare from each of 1, 000 hectares, each harvest within three weeks or a month will yield a return of N1.2bn.

“If one tone of hybrid rice is sold at N150, 000, then you can use your calculator and do the arithmetic you will know we are talking in billion of naira.”


Source and more:
Cross River rice seedling factory to generate N14bn annually http://www.sanwomi.com/2018/08/cross-river-rice-seedling-factory-to.html

When a writer treats a particular topic and makes you fall in love with it, he or she deserves to be saluted as a great one. That is why despite the fact that Tomi Balogun is a young writer, she has produced what is close to a great book in Investment Clubs: How to Create Wealth Beyond your Pay-Cheque by Investing with others.

In the 173-page book, Balogun is so passionate in her exposition on investment clubs that even anyone learning about it for the first time will not hesitate to join one. And for those who might have been aspiring to be part of it or to establish one, here is a major opportunity to better appreciate its essence and potential. For the author not only puts the advantages in perspective, she also vividly and systematically establishes the process for establishing one.

In some 44 chapters coming in three parts, Balogun explains what it takes to start an investment club, managing teething challenges and success that may come. Some of the initial topics areGetting Started with Personal Flows, Why should Anyone Invest, What if I have a Limited Budget? And What it Means to be an Average Investor.

On Page 40, Balogun describes an investment club as a group of people who consolidate funds to invest in deals and business opportunities as an entity.

“It offers members a great opportunity to share risks and rewards in a way that contributes to the growth of common wealth in society. An investment club offers everyone a win-win solution,” she adds.


Source and more:
All you need to know about investment clubs http://www.sanwomi.com/2018/08/all-you-need-to-know-about-investment.html

California recently took over UK as the fifth largest economy in the world. We take look at what makes California a state in USA so great and what other African states and Nigerian states can copy from it.

1 It is a U.S. state in the Pacific Region of the United States. With 39.5 million residents, California is the most populous state in the United States and the third largest by area.

2 Los Angeles is california's most populous city and the country’s second most populous after New York city.

3 The spoken are English 58.1%, Spanish 28.8%, Chinese 3.0%, Tagalog 2.2% while other languages contributes to the remaining 7.9%.

4 It's $2.8 trillion economy is larger than that of any other state. If it were a country, California would be the 5th largest economy in the world (larger than the UK or France), and the 36th most populous as of 2017.

5 The Greater Los Angeles Area and the San Francisco Bay Area are the nation's second- and third-largest urban economies ($1.2 trillion and $821 billion respectively as of 2016), after the New York City metropolitan area.

6 The Greater Los Angeles Area and the San Francisco Bay Area are the nation's second- and third-largest urban economies ($1.2 trillion and $821 billion respectively as of 2016), after the New York City metropolitan area.

Source and more:
WHAT YOU SHOULD KNOW ABOUT CALIFORNIA THE RICHEST STATE BY GDP IN THE WORLD. http://www.sanwomi.com/2018/08/blog-post.html


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California recently took over UK as the fifth largest economy in the world. We take look at what makes California a state in USA so great and what other African states and Nigerian states can copy from it.

1 It is a U.S. state in the Pacific Region of the United States. With 39.5 million residents, California is the most populous state in the United States and the third largest by area.

2 Los Angeles is california's most populous city and the country’s second most populous after New York city.

3 The spoken are English 58.1%, Spanish 28.8%, Chinese 3.0%, Tagalog 2.2% while other languages contributes to the remaining 7.9%.

4 It's $2.8 trillion economy is larger than that of any other state. If it were a country, California would be the 5th largest economy in the world (larger than the UK or France), and the 36th most populous as of 2017.

5 The Greater Los Angeles Area and the San Francisco Bay Area are the nation's second- and third-largest urban economies ($1.2 trillion and $821 billion respectively as of 2016), after the New York City metropolitan area.

6 The Greater Los Angeles Area and the San Francisco Bay Area are the nation's second- and third-largest urban economies ($1.2 trillion and $821 billion respectively as of 2016), after the New York City metropolitan area.

Source and more:
WHAT YOU SHOULD KNOW ABOUT CALIFORNIA THE RICHEST STATE BY GDP IN THE WORLD. http://www.sanwomi.com/2018/08/blog-post.html


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George Clooney may not have helmed a hit in years, but his wallet hasn’t noticed. Thanks to the up to $1 billion purchase of his Casamigos Tequila, Clooney scored a career high pretax paycheck of $239 million between June 1, 2017 and June 1, 2018.

The 57-year-old tops Forbes’ annual ranking of highest-paid actors, which tallies both onscreen and extracurricular earnings in our 12-month scoring frame. Last June, British liquor conglomerate Diageo announced it would purchase Casamigos for $700 million up front with the potential for an extra $300 million over the next decade. For Clooney, that meant an estimated $233 million pretax from Casamigos, plus additional earnings from endorsements and older movies.

“If you asked us four years ago if we had a billion-dollar company, I don’t think we would have said yes,” Clooney told CNBC when the deal was announced.

Casamigos was founded in 2013 by Clooney, nightlife entrepreneur Rande Gerber and real estate tycoon Mike Meldman. According to a source close to the business, the trio invested $600,000 apiece and owned equal stakes in the company prior to the acquisition.

Clooney’s tequila cash edges Dwayne ‘The Rock” Johnson, who banked $124 million pretax to rank No. 2 on the highest-paid actors list. He tallied the largest ever acting take-home from front-of-camera roles in Celebrity 100 history, thanks to giant upfront paychecks and a cut of profits on blockbusters including Jumanji: Welcome to the Jungle. A huge social following allows him to negotiate an extra seven figures atop his standard contract for promotion, helping nearly double his 2017 earnings.

Read more:
The World's Highest-Paid Actors 2018: George Clooney Tops List With $239 Million
http://www.sanwomi.com/2018/08/the-world-highest-paid-actors-2018.html

Investors in the nation’s equities market on Thursday recorded N198bn increase in their holdings at the close of trading on the floor of the Nigerian Stock Exchange.

A total of 11 gainers emerged, while 25 stocks declined.

A total of 220.710 million shares worth N2.531bn exchanged hands in 3,287 deals.

The top five performers were Wapic Insurance Plc, Veritas Kapital Assurance Plc, Dangote Cement Plc, Dangote Flour Plc, and Oando Plc, which recorded respective gains of 8.82 per cent, 7.69 per cent, 6.98 per cent, 6.49 per cent and 5.26 per cent, respectively.

The worst performers were Livestock Feeds Plc, Red Star Express Plc and Jaiz Bank Plc, which dropped by 9.84 per cent, 9.65 per cent and 9.43 per cent, respectively.

Source and more:
Investors gain N198bn as 11 stocks appreciate http://www.sanwomi.com/2018/08/investors-gain-n198bn-as-11-stocks.html

Food is an essential part of human life, people would surely demand for food. We take through the low cost business you can do in Nigeria.

1 Eatery:
Eatery business is a common business in Nigeria but it's only the packaging that differentiate them.

2 Distribution of Raw Foods:
Buying raw foods from one part of the country and selling it in another is also a good business.
Most buy raw food like beans, pepper, rice etc. From Northern part of the country then sell it in the southern part of the country.

3 Bakery:
Bakery business is also a cheap business to do. It is also common among middle income earners.

4 Rearing of Animals:
Rearing of animals such as goat, chicken, ram, snail, Turkey etc. Is also a business that require low capital.

5 Making packaged snacks:
Making snacks such as plantain cheaps, Chin chin  etc. Is also a low cost business that it's products could be sold anywhere in the country.

Read more:
Top low cost food startup business. http://www.sanwomi.com/2018/08/top-low-cost-food-startup-business.html

Business in Nigeria that is commonly done by rich people is quite different from business done by average Nigerian.
Most rich people don't like to take too much risk, they don't want to invest in upcoming business or growing industry, they prefer to invest in a fully established industry and has history of generating money for investors.

We would take a look at the top ten most common business done by rich business men and women in Nigeria.

1 Petrol Station:
Building petrol station is a common thing among rich people in Nigeria. That is why you will always see petrol station every corner you go to in Nigeria. Petrol business has been known to generate lot of revenue for people.

2 Hotel:
Building hotel is also a common way of making money for rich people.
Most people love to relax and entertain themselves in Nigeria, hotel is always a great place for people to entertain themselves.


Read more:
Top Business done by Rich People in Nigeria. http://www.sanwomi.com/2018/08/top-business-done-by-rich-people-in.html

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The Debt Management Office said subscribers staked more than N100bn on FGN Bonds, which it issued on Wednesday.

According to the agency, although it offered N90bn bonds, investors oversubscribed the offer by more than N10bn.

More than N100bn raised at the offer would go into financing the 2018 budget, the DMO said.

It said, “The FGN Bond Auction for August 2018, which was conducted by the DMO on Wednesday at which N90bn bonds were offered in three tenors – five years, seven years and 10 years – was oversubscribed.

“The total subscriptions received from bidders at the auction were above N100bn. Allotments were made to successful bidders at 14.39 per cent for the five-year, 14.6 per cent for the seven-year and 14.69 per cent for the 10-year bond, which are consistent with the rates in the secondary market for the bonds offered at the auction.

“A total of N100.09bn was allotted to competitive and non-competitive bidders at the auction and the proceeds will provide additional financing for the implementation of the 2018 Appropriation Act.”


Read more:
Investors stake N100bn on FGN bonds http://www.sanwomi.com/2018/08/investors-stake-n100bn-on-fgn-bonds.html

The Central Bank of Nigeria on Wednesday said it was not possible for any importer to bring in substandard products into the country under the currency swap agreement recently signed with the People’s Bank of China.

The apex bank said adequate measures had been put in place with all the regulatory agencies to check abuse of the terms of contract reached under the currency swap deal.

The CBN Governor, Mr Godwin Emefiele, said these in Abuja at a currency swap forum for importers in the North Central zone.

The forum brought together stakeholders in the trade sector, who are mostly importers and exporters, to sensitise them to the conditions and benefits of trading under the new Reminbi-denominated window.


Read more:
Currency swap deal’ll prevent substandard products importation — CBN http://www.sanwomi.com/2018/08/currency-swap-dealll-prevent.html


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The Central Bank of Nigeria has hinted about plans to increase the interest rate as it hopes to tighten the monetary policy in response to higher inflation ahead of the general elections in February.

A Bloomberg report on Tuesday quoted a CBN Deputy Governor, Dr Joseph Nnanna, as giving the indication on Monday on the sidelines of a conference in the resort city of Sharm El-Sheikh in Egypt.

Already, he said virtually all members of the Monetary Policy Committee had supported the idea, that “the Monetary Policy Rate should increase if inflationary pressures build up.”

But finance and economic experts have expressed divergent views on the issue with those opposed to the idea saying increasing the MPR would make it difficult for businesses to raise funds.

According to the report, the MPC has held its key rate at a record 14 per cent since 2016 in a bid to prop up the naira and tame inflation after it spiked to double digits in the same year. While price growth has since slowed to below the monetary policy rate, the panel has shifted from some members voting for rate cuts in January to three of 10 members favouring higher rates at the July meeting.

Source and more:
CBN may increase interest rate soon http://www.sanwomi.com/2018/08/cbn-may-increase-interest-rate-soon.html

The World Bank has indicated its willingness to provide technical support for Nigeria in critical areas to facilitate her economic growth and development.

The World Bank’s Vice-President for Africa, Mr Hafez Ghanem, who gave the indication in Abuja during a discussion with the Minister of Budget and National Planning, Udo Udoma, said the lender accorded Nigeria top priority in its considerations.

He said the bank would be willing to provide technical support for Nigeria in the areas of the Economic Recovery and Growth Plan mid-term review, power sector reform, Public-Private Partnerships as well as population management.

The World Bank is also disposed to providing technical support on the ERGP delivery, performance tracking and reporting, capacity building for sector officials and economic modelling for policy analysis and forecasting, Ghanem stated, adding that the bank would increase its support for Nigeria’s Social Investment Programme.

Udoma stated that it would be appreciated if the World Bank vice-president could help designate a special session during the forthcoming International Monetary Fund/World Bank meetings in Indonesia to enable Nigerian representatives speak to participants about the ERGP so as to be able to attract more investments into the country to further facilitate the achievements of the objectives and targets of the plan.

Source and more:
World Bank to support Nigeria on economic growth http://www.sanwomi.com/2018/08/world-bank-to-support-nigeria-on.html



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World food prices fell 3.7 per cent in July from the month before with declines seen across all crop types, the United Nations food agency said on Thursday.

The Food and Agriculture Organisation said in Rome that the drop was the sharpest monthly drop since last December.

FAO’s food price index, which measures monthly changes for a basket of cereals, oilseeds, dairy products, meat and sugar averaged 168.8 points in July against an upwardly revised 175.3 in June.


“The decline in July was driven by weaker export quotations for wheat, maize and rice,” FAO said.

“International wheat prices were generally weaker during the first half of the month, but concerns over production prospects in the EU and the Russian Federation started to push export values higher towards the end of the month,” it added.

Source and more:
World food prices down 3.7% in July – FAO http://www.sanwomi.com/2018/08/world-food-prices-down-37-in-july-fao.html



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The Swiss Government is to strengthen its relations with Nigeria in the non-oil sectors in line with the Federal Government’s diversification agenda.

Swiss Ambassador to Nigeria, Mr Eric Mayoraz, made this known in an interview on the occasion of the 727th Anniversary of the Swiss Confederation and a farewell reception in his honour in Abuja.

Mayoraz, who has served in Nigeria for three years, said that both countries have made “concrete achievements” in their bilateral relations.

The envoy said that Nigeria was a main exporter of oil to Switzerland and both countries were working to diversify relations in other sectors.

“In 2015 we opened a new economic consulate in Lagos and created a Swiss-Nigeria council, like a chamber of commerce.

“There is Lafarge Nigeria cement factory; Nestle Nigeria Plc that produces consumables; there are pharmaceuticals companies and companies in new technologies as well.

“This is a very diverse and open scope of economic relations; I know there are Swiss investors in the agriculture field; there are Swiss-Nigeria joint ventures in Jos, Plateau and Kaduna State that are trying to promote the value of potatoes.

“We do not only deal in oil, though it is mainly what we import from Nigeria, and the Swiss companies here produce mainly for the Nigeria market.”

He also recalled major achievements in the bilateral relations of both countries in the last three years which included the visit of high-level delegations from both parties to facilitate partnerships in diverse areas.

Source and more:
Switzerland promises improved relations with Nigeria in non-oil sector http://www.sanwomi.com/2018/08/switzerland-promises-improved-relations.html


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The first time Zedd toured professionally as a DJ, opening for Skrillex, his production setup consisted of little more than a laptop and a folding table. In the break between him and the next DJ, he’d simply loop a song and walk off the stage.

“That is not the thing anymore today,” Zedd told Forbes last fall. “Everything is really professional. From the changeover music–from what you hear and see, between each DJ–to the cost you spend on a show … the expenses have gone up dramatically.”

So have the earnings. Five years ago, Zedd was banking $3.5 million annually; since then, he’s hauled in more than $100 million, including $22 million over the past year alone — and that’s only good enough for No. 6 on our list of the world’s highest-paid DJs. The top 15 acts all earned $10 million or more, with the top 10 banking more than a quarter billion dollars in aggregate.

Calvin Harris tops the list for the sixth consecutive year with earnings of $48 million, continuing to pull in healthy six-figure checks for his sets in Las Vegas — and well into the seven figures for headlining festival performances from Japan to Croatia. The Chainsmokers are right behind him ($45.5 million); the duo behind “Closer” and “Something Just Like This” played more than 100 shows in our scoring period. Says the act’s cofounder, Alex Pall: “I’m curious to see what happens next.”

Veteran DJ/producer Tiësto ($33 million) ranks No. 3, staying relevant with collaborations like “Jackie Chan,” his new single with Post Malone. Steve Aoki ($28 million) follows, playing a whopping 200 shows in our scoring period, sometimes two in a single day. Marshmello ($23 million) rounds out the top five — in addition to six-figure nightly fees, he’s puffed up his social presence with the YouTube series “Cooking With Marshmello.”

Source and more:
The World's Highest-Paid DJs Of 2018 http://www.sanwomi.com/2018/08/the-world-highest-paid-djs-of-2018.html


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The Minister of Water Resources, Suleiman Adamu, says the Federal Government has spent N810.9m on the Ota water scheme, which had been abandoned for 31 years.

He stated this on Tuesday at the site of the project at Arobieye Village, Iju in Ado Odo/Ota Local Government Area of Ogun State during the signing of the Memorandum of Understanding between the Federal Government and the Ogun State Government on the revival and completion of the project.

Governor Ibikunle Amosun signed for the state government, while Adamu endorsed the agreement on behalf of the Federal Government.

Apart from reviving the water scheme, the MoU also covers the Partnership on Expanded Water Supply, Sanitation and Hygiene, otherwise known as PEWASH.

Adamu said, “The Federal Government has expended a total sum of N810,948,172.70 on the project.

Source and more:
FG spends N810.9m on abandoned Ogun water scheme http://www.sanwomi.com/2018/08/fg-spends-n8109m-on-abandoned-ogun.html


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Apple will release quarterly earnings figures Tuesday as it flirts with a history-making, trillion-dollar market value based on its share price.

To hit the trillion-dollar mark, Apple shares would have to climb about seven percent from the $189.91 price logged at the close of official trading Monday on the Nasdaq.

The market is eager for news about demand for iPhones and how the company is riding out trade turbulence between the US and China.

President Donald Trump’s trade wars include 25 percent US tariffs on $34 billion in Chinese goods, with more on the way, and steep tariffs on steel and aluminum, which provoked China and others to hit back with import duties on US goods.

The Silicon Valley-based company is expected to unveil new iPhone models in the fall, sticking with its practice of releasing upgraded models annually ahead of the year-end holiday shopping season.

Source and more:
Apple earnings arrive with trillion-dollar value near
http://www.sanwomi.com/2018/07/apple-earnings-arrive-with-trillion.html

Blockchain is clearly one of the hottest trend narratives of the business world today. From startups boasting innovative strategies leveraging variations on this ledger technology to legacy corporations feverishly partnering in order to develop competitive advantages, the blockchain sphere is exploding, with enterprise spending in the arena reported to reach $9.7 billion in just the next three years. But there are a few hidden factors that most in the space in the space are missing in order to truly be prepared to drive their business forward.

Indeed a number of such revelations were recently discussed during the New York date of the Enterprise Blockchain Forum where the blockchain arena was analyzed and dissected from new leaders in the space. The result is a laser-focus on how to truly discern the most appropriate way forward to take advantage of blockchain’s many wonders which include not only reducing costs for transactions but also reducing fraud, improving product and system security as well as increasing transparency on a number of levels.


Source and more:
Hidden Trends Inside The Explosive $9.2 Billion-Projected Blockchain Arena http://www.sanwomi.com/2018/07/hidden-trends-inside-explosive-92.html

There are a number of ways that individuals can earn Bitcoin online. Unfortunately, just as in real life, there is no such thing as a free lunch. Any way of earning Bitcoin online will require something in exchange, whether it’s your time or your knowledge or your computer’s processing power.

Some of the methods outlined below will involve minimal effort but will also result in minimal returns. Other means of earning Bitcoin online may be more lucrative but they will require you to have a certain level of knowledge and expertise about the industry and the market. Therefore, although it may appear to some that Bitcoin, and cryptocurrency in general, is an easy way to make money, it is not as easy as some might expect without the requisite knowledge (a principle that can unsurprisingly be applied to any industry).



However, should you be interested in earning Bitcoin online it may be worth considering some of the below options, ranging from the least difficult (and least paid!) to the more substantial roles available in the Bitcoin ecosystem.

Micro Earnings

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Although micro-earnings is the easiest method in which to earn Bitcoin, it is also probably the most time consuming of all the methods discussed, especially when taking into consideration the amount of money to be made. Micro earning websites pay you in Bitcoin for completing small tasks. In return you can get a (very) small amount of Bitcoin. The most popular forms of micro earnings are as follows:

Paid-to-Click Websites

As suggested by the name, these websites pay users in Bitcoin for visiting certain websites or viewing certain advertisements. There are many PTC websites that will pay negligible amounts in Bitcoin for clicks and views, with Ads4BTC probably being the most famous and the most popular. This website allows users to choose between viewing ads that are 5 seconds, 10 seconds or 20 seconds, with different fees being awarded for each. Based on the prices offered by Ads4BTC, if you had 20 second ads running for an entire day, you would make less than $10 per day, so this may not be a viable option for most.

Bitcoin Faucets

A Bitcoin faucet is a type of website that gives away small amounts of Bitcoin to its users, with owners making money by placing ads on their website and pay individuals who visit the ads or complete surveys. This industry amounts of over 50% of the traffic on leading Bitcoin websites today. Faucets let visitors earn a percentage of the Bitcoin that they give away to any visitors that you brought in. This has resulted in users using a Bitcoin faucet rotator that allows users to quickly surf different faucets and earn a commission through rotation links for each faucet visited by you. However, similar to PTC websites, Bitcoin faucets are not a realistic way to earn good money, with even the best faucet rotators being applied still only enabling users to make no more than $1-2 per day.



Micro Jobs

Micro jobs are small tasks that can be completed for small amounts of Bitcoin. Websites such as Coinworker offer such tasks, which may involve simply testing a plugin to see if it is successfully compatible with a browser, or just retweeting a post. Again, the money is small but there is potential to earn a little bit more than the faucets of PTC websites.



Writing about Bitcoin

If you’re knowledgeable about Bitcoin, enthusiastic about the cryptocurrency industry in general and willing and able to share your knowledge, then you can also earn Bitcoin by doing so. The amount that can be earned by writing about Bitcoin varies, but can be quite lucrative depending on the level of expertise that you have on the subject.


Source and more:
How to Make Money with Bitcoin: 10 Ways to Earn Cryptocurrency

http://www.sanwomi.com/2018/07/how-to-make-money-with-bitcoin-10-ways.html

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NET WORTH:$825 MILLIONAge:48Born:November 4, 1969Country of Origin:United States of AmericaSource of Wealth:Professional Rapper/ProducerLast Updated:2018

Introduction

Sean John Combs, also known as P Diddy, is an American singer, actor, and rapper from New York City. He initially gained recognition when he worked as a talent director at Uptown Records before he founded his label Bad Boy Entertainment.

P Diddy’s net worth is estimated to be roughly $825 million as of 2018 and he is currently signed to Epic Records.



Early Life

Sean Combs was born in Harlem, New York on the 4th of November, 1969. His mother Janice was a teacher’s assistant and a part-time model.

His father Melvin served in the U.S military force but was shot to death in Central Park when Combs was only 2 years old.

In 1987 Combs graduated from the Roman Catholic Mount Saint Michael Academy. He was a business major at Howard University but he left before he started his sophomore year.



Career

Combs started to work as a talent director at New York’s Uptown Records. However, in 1993 he got fired from Uptown and started his own label Bad Boy Entertainment, with The Notorious B.I.G.

He gradually began signing more artists to the label, such as Usher, Lil Kim, TLC and Aretha Franklin.

In 1997 Combs switched his stage name to Puff Daddy, and he released his debut single “Can’t Nobody Hold Me Down” which was on the Billboard Hot 100 chart, number one.


Source and more:
P Diddy Net Worth http://www.sanwomi.com/2018/07/p-diddy-net-worth.html

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She’s just 18 years old. She’s a freshman in college studying industrial design. And before she left for school, she made her very first investment in stocks and bonds. It took her all of five minutes. I was so proud of her.

Over the past few months I have had the opportunity to talk with three first-time investors. In addition to my friend’s daughter mentioned above, I’ve also spoken with two friends in their twenties. One had never invested. The other had a 403(b), but really no idea how to create an investment plan or how to evaluate the mutual funds in his retirement account.

These conversations were eye-opening. At first I tried to reduce a lifetime of investing experience into a 20 minute conversation. I learned that many people really don’t care about emerging markets, REITs, or standard deviation. They also aren’t that interested in the debate between actively managed investments versus index funds.

What they do care about is risk. They want to understand the chances of losing money. Here it’s helpful to distinguish between volatility, which the industry defines as risk, and loss of purchasing power, which intelligent investors define as risk. But here again, I’ve gone too far into the weeds for most investors just starting out.

So in the end we talked about 4 things:

Time: Investing in stocks is for the long term. If you will need the money in a couple of years, keep it in a high yield savings account. Investing in stocks should be for a minimum of five years, and ten years is preferable.Diversification: Most investors should diversify across a wide spectrum of investments. The most important decision will be how much to invest in stocks versus bonds. For long term investors, more should be in stocks than bonds.Cost: Even small costs, multiplied over a lifetime of investing, will have a big impact on an investor’s results. It’s wrong to thing that a 1% fee is small. It can easily erode hundreds of thousands of dollars in value over a lifetime.


Source and more:
How To Invest For The Very First Time http://www.sanwomi.com/2018/07/how-to-invest-for-very-first-time.html

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Facebook groups can be a great way to find clients, earn income, and build community as an entrepreneurial woman.RAWPIXEL

When I was starting my business, I had no idea that Facebook groups had become one of the most powerful tools for entrepreneurs to connect with each other with their audiences. Once I did learn the value of Facebook groups, I was delighted to see these online communities transform into thriving ecosystems of female founders.

By participating in the Facebook groups I list here, I’ve found clients for my business, earned significant income and met friends who have helped me grow my business. If you’re a woman entrepreneur, I couldn’t recommend more highly that you join these groups:

1 Tech Ladies

Tech Ladies connects women to the best opportunities in tech. Aside from a frequently updated job board, they have lively discussion threads, free resources, events and an anonymous forum for asking personal questions. The group currently has over 25,000 members.

Source and more:
Seven Facebook Groups For Women Entrepreneurs
http://www.sanwomi.com/2018/07/seven-facebook-groups-for-women.html

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