₦airaland Forum

Lovely

Not Bsc this time

Nice

ismokeweed:
Biggest problem is saving and investing in Nigeria. Modt people's are barely surviving on their salaries.

Mynd44 great topic here.

eezeribe:
"If you cannot save money,you do not have the seeds of greatness in you"...
W.J.Clement Stone(Co-author with Napoleon Hill of 'Success through a positive mental attitude')

lalasticlala,Mynd44

Inspiring quote there.

Developig a savings culture is one of the most critical things every dreamer or visionary must learn. Savings means the part of your income or earnings that you dedicate to be kept away untouched for a period of time. Savings should not be compared with investment as they are ultimately two different things. While investment is good, savings is also a way to have some money or finances to fall back on when the need arises.

Investment poses some sort of risk because no one has a total control over the market. The market doesn't care about anyone or who you are or where you are from and that's why it's important to dedicate some money to savings too.

Besides investment, it is also imperative to develop multiple source of income because as you grow and make certain decisions in life such as marriage and bearing of children your expenses increases. While marriage and children bring some sort of happiness and sometimes can be considered as success, it puts a strain on your earnings hence the importance of having a multiple source of income.
Here are a list of simple businesses you can do: http://www.hrtechnique.com/2016/06/list-of-simple-businesses-you-can-do-if.html

It is important that we separate the difference and understand why savings is good. Sometimes big business opportunities are taken because of savings. Sometimes too, most of us won't achieve landmark things if we do not have savings or take loans. While loans have its shortcomings, using your savings for a project can give you some rest of mind and a clear perspective over your business perspective.

How do you develop this culture?
A savings culture as the word implies is actually a culture. It is learn or socially acquired as the case may be. Sometimes it's learnt through parents who at early stage inculcate this education into their children and its sometimes learnt through mediums like this. Some people equally just found themselves developing that culture because of its inevitability.

Now there are different practical ways you can achieve this:

1. Using the pensions facility as savings.
Perhaps you don't know too and for those who are on pension, you can also authorize your pension manager to save some certain amount of your earnings till when you are retired or due for pension. You can meet with your pension manager for clarification.

2. Authorizing your bank to debit a certain amount each month.
You can authorize your bank to save a certain amount of your income to be collected at a particular time or period.

3. Using the traditional old method of a trusted confidant.
Sometimes you can keep money with your family if they are very trusted.

4. Using the strength of your partner if s/ he has a savings mindset.
Sometimes married folks can use their spouses savings strength if one of them knows how to keep money and if there is an agreement on the period the savings would last for.

5. Cutting down frivolities.
Cutting down the amount of clubbing you do in a month or the number of beers you drink daily. You could think you have the cash now but savings is what would save you when all chips are down.

6. Reducing liabilities.
Reducing liabilities involves doing away with things that take cash from you but are really unimportant. Think about it and you would realize those things you spend money on that are really not needed. You own three cars but you actually only need a good one.

7. Regenerating your mindset.
This means doubling your effort in a bid to achieve this important lesson. It would be tough and it's definitely not easy but it is doable and possible.

Understanding the power of money is important to improving your purchasing power. If you keep spending on unimportant things you won't go far in life and if you spend money on vain things money won't last in your hands because money needs to be continuously doubled or generated in other to stay in the game of money. This is evident in testimonies of rich folks who have become poor.

Related articles on www.HRtechnique.com

Nice but little...
Find updates on DPR, NIBSS, NSE etc on www.HRtechnique.com

Nice...
I hate those things.
Anything ware... Malware, ransomeware etc.
If you work over the internet a lot you will know it can be very depressing and frustrating.
Scanning, formatting, rebooting, uninstalling stuffs just to get it off your computers.
I remember when my site www.hrtechnique.com was spammed a while back by some DNS Unlocker malware. Christ!.
Let me look for the picture I took of it if I can still find it.

nmreports:
Hello guys, on the FRSC website, fresh Drivers license is NGN6, 000
Can I confirm this is accurate?. Someone was saying its NGN25, 000.
Anyone care to just explain. Please quote me when replying.
Thanks.

Gazzuzz

Who can help to answer this

Hello guys, on the FRSC website, fresh Drivers license is NGN6, 000
Can I confirm this is accurate?. Someone was saying its NGN25, 000.
Anyone care to just explain. Please quote me when replying.
Thanks.

Gazzuzz

...

Theres a lady on nairaland that helps who knows

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Nice info Op

...

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This is a new vacancy and needs to be filled ASAP

Years of experience and how long you have spent in an organization do not mean you are a senior if there are no proper grading structure in your company.

Grading shows who is next in line and if that doesnt exist then it means anyone can be promoted or demoted through a subjective selection process.

It is either your boss has spoken ill of you.
It is either your niche at the office is not a managerial one.
It could be his certificates or course of study or where he schooled.
It could be an oversight.

If I were you, what I would have done is to send a mail to the main boss just to call his attention to it but to also let him know you are ready to work with your junior.

Check www.HRtechnique.com for some insights on how to avoid these things and how to stay relevant in todays job market.

hiteelong:
My sis contract is not a job of life time because u are not expected to reach a peak of your career, so save something tangible and leave, start your own business

Please I need insights on business.
Mention three.

Has Mynd44 or Lalasticlala seen this eye opening thread?

From a graduate, to an experienced person or a professional sales person, this question would be answered differently.
Whats first important is to know that you dont have to respond immediately.
Take 3 minutes to study the pen before shooting off your mouth without thoughts.
A sales person knows his product so you should know what you are selling.

You can read How Best To Answer This Question Here (Very practical):
http://www.hrtechnique.com/2017/05/from-graduate-to-experienced-person-or.html

Well I think its modern to be honest.
However, I am of the opinion that it should be used for certain jobs like:
1. PR applications.
2. Personal assistant applications.
3. Modeling.
4. Front desk officers etc.

In Nigeria however, it seems a very weird and funny thing to put your picture on your resume.
Most of these things are geographically determined and resume developers are meant to be careful.

I redevelop resumes to and all I know a good resume should entail is:
1. Simplicity.
2. Clarity.
3. Uniformity.
4. Skills and experience written in form of what you have done and not what you can do.
5. Lastly, written in such a way that HR ATS wont reject it.

Check my profile or signature to get your CV started.

In my opinion, the person that did your CV used a generic format downloaded over the internet and thats a lazy thing to do.

Makes sense

How to answer this precisely in a practical way was shared here: https://www.nairaland.com/3651114/how-answer-tell-us-yourself

Lol... True?

mrtegation99:
I've been writing the best cover letters since the days of Methuselah. No email received. Bros park well.

You are not wrong sha.

Guys make this site your friend. You can find new updates on the recruitment stages of companies such as DPR, PWC, NIBSS on www.HRtechnique.com

All the best

It's marketing I think.
In a similar role in the industry, remuneration is around 30k for floating and some other earnings on commission.
It's a very tough job I must confess - well it's a sales job and the responsibilities are as follows:

1. Selling insurance packages to customers.
2. Looking for new clients. If they don't give you a vehicle which I doubt they will then you might have to be trekking from one office to another.
3. Attending to already owned customers and converting their premiums to better packages.
4. Other responsibilities as specified from time to time.

People have survived in this job and earning as much commisions as up to NGN500, 000 if you are lucky to get the big clients or sign a huge organization but it's tough and wouldn't wish my enemy the job.

On the contrary, if you are a naturally born sales person then give a try.

You can find updates on the recruitment stages of companies such as DPR, PWC, NIBSS on www.HRtechnique.com

True...

HAHAHAHA