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Here is my on say
https://okfiscal.com/2-main-types-of-financing-explained/

Before you start a business it is required of you to know the sources of finance you will need to run the business smoothly.
My question to every individual out there is do you know the main type of financing and channels to get those finance?


Speak your mind

Go educate yourself now and start building sustainable financial status
https://okfiscal.com/how-to-invest-in-nigeria-bonds-system-fgn-bonds

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An e-wallet is a type of electronic card, used for online transactions neither on computer or smartphones. It utility is the same as that of debt and credit cards.

E-wallet stands for electronic wallet. E- wallet must be linked to ones bank account before transactions could be done. The major aim of e-wallet is to make paperless money transactions easy and fast.

Guide on how to create e-wallet account.

Below are step on how create e-wallet account:

App downloading

To get start, you will first download e-wallet application from Google play store for Android phone or Apple App store for IOS phone. E-wallet App varies from one to others, i.e each bank has is own e-wallet application.

Going further, once the app has been downloaded on phone or computers, it has to open and some information about you will be required such as your name, surname, Email address, mobile number and your date of birth has to be entered. You will say to create a user ID and password for logging into the application at any time.

Set a pin

The last step of registration is to set a numeric pin. Once the pin has been set a one time verification code will be sent to the number entered at the first stage to complete the registration process.

Linking cards

Once the registration process is confirmed and collected, You can now link your debit and credit card by entering the necessary card details or by scanning your card with the aid of phone.you can link your existing online bank account and load money directly into your wallet.
Learn more click :https://okfiscal.com/how-to-set-up-and-use-bank-e-wallet/

Paylater is a very fast means to obtain loan to start up a small scale business. As we all know that capital is the principal requirement in starting in a business. Paylater is able to provide such capital for your business to wind up. Aside been easy to access loan, paylater registration is simple to setup and no collateral is needed in obtaining loans.

In addition to, paylater contains some amazing features which can be used for your daily transaction, these includes;

Finance manager,which is helpful in check mating your total income and total expense.
Pay vestvest for investment overviwing and history.
Apply for loan used for obtaing loan without collateral easily.
Airtime recharge you can easily recharge your phone line via paylater for all networks.
Send money you can send money from your paylater account to any other bank account.
Cable tv subscription Gotv, Dstv, infinity tv, African cable television (ACTV) and any more channel payments can be made on paylater.
Power & utility payment utility services such as AEDC postpaid, Benin electricity distribution company (BEDC) postpaid and prepaid, cross river water board, edo state waste management just to mention few, these utilities payment can be made on paylater.
Educational payments school fees and exams fees payment of most institution can be made on your paylater account.
Other features includes;

Online shopping
Visa & embassy
Transport & toil
Donation & charities
Airline and hotel
Insurance
Agent and dealers
Betting & lottery
Product & services
Event & movie. e.t. c……….
For purpose of this article, here are steps on how to apply for loan on paylater

Step 1

Download paylater app from Google play store.

Step 2

Install the paylater and create an account make sure strictly adhere to instructions and be careful when create an account with paylater because if mistakes are made it will affect your activities on paylater platform. Create simple and memorable password which to be used for all your transactions on paylater.
step 3

Then head over to apply for loan at the top bar of the home screen, click on it and a pop up form appears. The filling of form are of four section, the first section is where you fill your personal information. Fill it correctly and click on next button. The next section is your eduction and employment form, here your education and employment details are required, make sure you put above #200000 as your monthly income so as to help you access high loan. Click on next and you will be taken to your address form fill your address details correctly and put owned in the residence field then click next which is the last section where you fill your loan details, the amount of loan you need and a promo code if you have any. If you don’t have promo code but worry it wouldn’t affect your loan request.

Then the amount required and the calculated interest will pop up, if satisfied with the interest then click accept, the money will be deposited into your bank account.

Remember

“The best way to make money is to use opm(other people money)
Robert kiyosaki
Learn more @ https://Okfiscal.com

Am sharing this article with an ideal because every one deserves a chance to start their own business. You probably know by now that there aren’t just 1001wys to start a business with $100 or less. There’s are infinite number of way to start business with little or no capital.

So many people has been held captive of the misconception that starting a business requires a lot if money. The old saying”it takes money to earn money “this has been ingrained in many people memories. The fact is, it takes value to earn money not money to make money. If you can provide massive value for your customers they will in turn send you money.

The objective of this article is to educate, inspire and instruct people how to start a business with little or nothing but an ideal., dream and commitment.

If you have any ideals to add to the list please write it down in the comment box we’d love to hear from you and your ideal can be of help to countless number of people.

Below are 10 business you can start with nothing;

1.Write a book: turn your passion into mission to educate others. Write a book and self-publish it.
2.Start a blog with Google ads, chitika ads, an Amazon store, eBay store or text links ads or selling products and services online. Why
3.Start paper route business
4.Distribute product door to door
5.Become a coach or advisor and help people in your area of expertise
6.Create you tube video that goes viral
7.Create application for android
8.Create newsletter that educate other
9.Create instructional CD’s, DVD or program to educate others
10.Write a play, movie script or theatrical performance
Read more https://okfiscal.com

The journey to financial fitness can be so overwhelming and a lot time and effort is required to reach your financial peak. The centre of financial services and innovation(CFSI)’s has mentioned the eight key indicator of financial health. These indcators are derive from the four basic components of finance:plan, borrow, spend and save.
Sometimes is very difficult to know where to start from when building financial fitness but proper planning and determination will help you attain your financial fitness.
Building financial fitness is just like becoming physically fit which involves continual efforts, discipline, determination, shift in habits and ton of workout. Same is applicable to building financial fitness.
This article contains breakdown of 8 indicators that shows your financial fitness.

Here are the eight indicators that shows you that you are financially healthy;

When you spend less than your income
When you pay bills on time and in full
When you have sufficient living expenses than your normal savings
When you have sufficient long term savings and worthy assets
When have sustainable debt load
When you have a prime credit score
When you have an appropriate insurance
When you have plan ahead for your expenses.
It’s worthy of note to start your saving plan with easy and big win. Want i mean by easy win are the changes that require little effort, but can net major savings later on. While big wins includes the slashing cost in the top three spendings which are housing, transportation and food. For instance, setting up a separate savings account for a specific goal, and auto-saving the amount each week. Another easy win is finding ways to reduce your utility bills and subscriptions.
Here’s why it’s best to focus on the easy and big wins:

You Get a Psychological Lift from the Get-Go
If you’re pushing a huge boulder up the mountain, you’ll want to enjoy a win early in the game. Other shifts to improve your money situation, such as forming better spending and saving habits, take a lot more work and willpower.
Saving $10 a week on gas by taking the commuter bus instead of driving to work a few times a week will net you $40 a month or $480 a year. Nixing a few digital subscriptions to online publications you no longer read could put $25 a month in your pocket, which tallies up to $300 a year. I use auto-saving for most of my goals, and I love checking my balances and seeing the number climb at a steady pace.
You Lighten Your Cognitive Load
A study by the Common Cents Lab on why people might struggle to save and manage money throughout each pay period reveals that a greater cognitive load posed a barrier. Needing to check your balance every day, and weighing all your spending options against each other can take a mental toll.
View more @ https://okfiscal.com

Is leadership good and management bad? The answer is No, because both are important in organization growth.

Brief review of the differences between leadership and management

What is leadership? leadership is the action of leading people or group of people towards achieving a set or common goal. Good leaders have three common characteristics :

There inspire others to share their vision
They motivate others to act on that vision
They encourage others and help them to overcome obstacles in the pursuit of their vision.
Top 10 skills of a leadership:

The following skills are required for a good leadership. These skills includes:

Communication skills: The ability to disseminate information and listen actively.
Motivation skills: Getting people to want to do what you need them to do.
Delegation skills: Knowing that you can’t do everything and trusting others to help you.
Positivity skills: Keeping a positive attitude, regardless of the situation, helps with morale.
Trustworthiness skills: People aren’t going to listen to you or do what you ask if you don’t first instill a sense of trust.
Creativity skills: There will always be problems that can’t be solved by rote; you must think creatively and be open to taking chances.
Feedback skills: Leadership doesn’t take place in a vacuum. Listen to your team, stakeholders, advisors, mentors, etc., and take their opinions seriously.
Ability to take Responsibility: You can’t expect people to follow you if you’re not taking responsibility for the bigger picture and your behavior.
Commitment skills: You also cannot expect to lead others if you are not committed to the project.
Flexibility skills: Things change, and rigidity can ruin a project, so you must be willing to adapt and not hold too tightly to anything.
Management

What is management? management is the process of dealing with or controlling people.

mangers ate people who plan, organize and coordinate. They are methodical and always reevaluating process to make sure they’re progressing as planned.

Here is an infographic presentation of effective management skills:
Learn more:https://okfiscal.com

The financial world is filled with multiple confusing words, which without indepth understanding of some of these words it will be difficult to survive in a world that’s made up of many personality:bankers, investors, complexed corporate environment, buyer, sellers and so on.

ROI is one among the confusing word in world of finance. ROI is the acronym of Return On Investment. What then is Return on investment?

Return on investment is a measure of performance which is used to evaluate the efficiency of the investment of interest or to compare the efficiency of a number of different investment returns.

ROI is easy other calculate through the return on investment formula which gives a quantitative analysis of the amount of return of an investment in relation to it cost. the result is expressed in percentage or ratio.

Mathematically, the formula for return on investment is given as: ROI=(Current value of investment – cost of investment / cost of investment). From the formula above, current value of investment refers to the amount of money obtain from the sale of the investment interest while cost of investment is the amount of money used in starting the investment.
Read more @https://okfiscal.com

The financial world is filled with multiple confusing words, which without indepth understanding of some of these words it will be difficult to survive in a world that’s made up of many personality:bankers, investors, complexed corporate environment, buyer, sellers and so on.

ROI is one among the confusing word in world of finance. ROI is the acronym of Return On Investment. What then is Return on investment?

Return on investment is a measure of performance which is used to evaluate the efficiency of the investment of interest or to compare the efficiency of a number of different investment returns.

ROI is easy other calculate through the return on investment formula which gives a quantitative analysis of the amount of return of an investment in relation to it cost. the result is expressed in percentage or ratio.

Mathematically, the formula for return on investment is given as: ROI=(Current value of investment – cost of investment / cost of investment). From the formula above, current value of investment refers to the amount of money obtain from the sale of the investment interest while cost of investment is the amount of money used in starting the investment.
Read more @[url][https ://okfiscal.com]

By Udeme Akpan

For the first time in 2019, the oil price yesterday rose from $62.00 to $64.56 per barrel in the international market, indicating $4.56 in excess of Nigeria's $60.00 budget benchmark.

Specifically, the prices of Brent, West Texas Intermediate, WTI and OPEC basket stood at $64.56, $53.79 and $62.94 per barrel respectively.

Market watchers attributed the development to the positive report of the organisation of Petroleum Exporting Countries, OPEC which has intensified efforts to eliminate excess supply from the market.

A source said: "OPEC output falls by nearly 800,000 bpd in January. OPEC production declined by 797,000 bpd in January from a month earlier, averaging just 30.81 mb/d. Saudi Arabia, the UAE and Kuwait chipped in most of the reductions.

"Still, Russia only lowered output by 90,000 bpd, far short of the 230,000 bpd promised as part of the December deal. Saudi Arabia said it would continue to cut output, with plans to lower production to as low as 9.8 mb/d in March, or roughly half a million barrels per day lower than it had promised. Oil prices jumped on the news."

In its latest oil market report, OPEC gave impression that the price may leap further because of increased demand when it stated: "Japan's growth forecast remained at 1.0per cent for 2019 and stands at 0.8per cent in 2018. In the non-OECD countries, China's growth forecast of 6.1per cent in 2019 remains unchanged from the previous month, following slightly better than expected growth in 2018 of 6.6per cent.

"India's growth forecast remained at 7.2per cent for 2019, after 7.5per cent in 2018. Growth in Brazil remains unchanged at a forecast 1.8per cent for 2019, following 1.1per cent in 2018. Russia's 2019 GDP growth forecast was revised down slightly to 1.6per cent, the same growth level as seen in 2018. While some positive signals still support global economic growth at around the current forecast level, underlying risks continue, considering ongoing trade tensions, monetary policies and ongoing challenges in several emerging and developing economies."

It stated: "Total world oil demand growth in 2018 is estimated at 1.47 mb/d, for an average of 98.78 mb/d for the year. For 2019, oil demand growth is forecast at around 1.24 mb/d, slightly lower than the previous month's assessment by 0.05 mb/d to reach an average of 100.00 mb/d. The downward revision is mainly an outcome of lower economic expectations in 2019 for the OECD Americas and Europe, as well as Latin America and the Middle East."



"Non-OPEC oil supply growth in 2018 was revised up by 0.11 mb/d from the previous month's report, mainly due to adjustments for US, Canada, Malaysia, China and UK supply, and is now estimated at 2.72 mb/d, with total supply averaging 62.17 mb/d for the year. Key growth drivers in 2018 were the US with 2.24 mb/d, along with Canada, Russia, Kazakhstan, Qatar, Ghana and the UK, while Mexico, Norway and Vietnam showed the largest declines.

"The non-OPEC oil supply growth forecast for 2019 was also revised up by 0.08 mb/d to 2.18 mb/d, mainly due to a revised production forecast for the US Gulf of Mexico. Total non-OPEC supply for the year is projected to average 64.34 mb/d. The US, Brazil, Russia, the UK, Australia, Kazakhstan and Ghana are expected to be the main drivers, while Mexico, Canada, Norway, Indonesia and Vietnam are projected to see the largest declines."

I check the oil price everyday this year; it has not fallen below $60 per barrel. I think for us the challenge more should be for us to be meeting our production. And what do I mean? Possible OPEC quota more than anything else. That is because with Egina coming on stream, that is another 200,000 barrels potential, taking us to about 2.3 million barrels.

Low oil output

Meanwhile, there was panic in the oil and gas industry on Tuesday, this week when it became obvious that Nigeria's output has dropped from 2,081,936 barrels per day, bpd recorded in December 2018 to 1,999, 292 bpd in January 2019.

The Ministry of Petroleum Resources report that made this public did not provide details and explanation.

But investigation by Vanguard showed that the drop in output was mainly as a result of vandalism and oil theft in the Niger Delta.

It showed that some oil companies, including Shell Petroleum Development Company have continued to record oil theft and vandalism despite the relatively calm in the region.

In its latest 'briefing notes', Shell that recorded six oil spills because of mainly attacks on its facilities stated: "Security in parts of the Niger Delta remains a major concern with persisting incidents of criminality, kidnapping and vandalism as well as onshore and offshore piracy. Although there has been no damage to key oil and gas infrastructure caused by militant activity since November 2016, the security situation remains volatile in this region of the country.

"Operations at the SPDC JV's Forcados Oil Terminal (FOT) was disrupted until late May 2017 while repairs to the export line were completed after three sabotage incidents in 2016. This resulted in loss of revenue, particularly for domestic producers who rely on the FOT for export.

"Facilities operated by both indigenous and international oil and gas companies continue to be vandalised by attacks and other illegal activities such as crude oil theft. This led to lower oil and gas production in 2016 particularly for indigenous producers and incidents of environmental contamination. The consequences also included a loss of revenue for the Federal Government of Nigeria and disruptions to gas supply to power electricity for industry, businesses and public-sector services.

"The safety of staff and contractors in Nigeria remains the top priority. Shell Companies in Nigeria aim to mitigate security risks that may impact people, the environment and assets - thus operations are carried out only where it is safe to do so. We continue to deploy in-country expertise to mitigate security risks around our operations. We also continue to engage with the government and non-governmental organisations (NGOs), as well as local communities, to help promote human rights and a peaceful and safe operating environment. Our dialogue is underpinned by ongoing community development activities."

Experts

In an interview with Vanguard, Director General, Lagos Chamber of Commerce and Industry, Mr. Muda Yusuf stated: "The declining global oil price will likely distort FG's economic projections for 2019 as well as impact adversely on its MTEF if the trend is not reversed.

"There are fears that the sharp fall in oil prices if sustained could lead to a new pressure on the naira exchange rate. As capital flow reversals intensify, oil price weakens, and foreign reserves come under pressure, there are worries about the sustainability of current frequency of interventions by the Central Bank of Nigeria [CBN] to stabilise the market. Some measure of rate adjustment may become inevitable.

"The improvement in liquidity and relative stability in forex market witnessed by businesses in 2018 may be threatened if oil price declines continue. This will have profound impact on the prices of imported goods and services leading to a rise in the level of inflation. The fiscal operations of government would be adversely affected. This may further escalate the deficit in the budget."

The Chairman, Petroleum Technology Association of Nigeria, PETAN, Mazi Okoroafor, also called for the immediate assent of the Petroleum Industry Governance Bill, PIGB, but also addressing of many issues, especially, inadequate and poor infrastructure, policy issues, tax issues, regulatory environment, institutional issues and security situation in Nigeria.

Why FG adopted $60

Meanwhile, Special Adviser on Economic Matters to President Muhamadu Buhari, Dr. Oluyemi Dipeolu said: "I know the oil price fell in December 2018 to below $60, but the 2019 budget hadn't started yet? But in that same year, it was at $80 per barrel, so, we are looking at the average.

"Secondly, oil prices are inherently volatile. A lot of people, and they may even be wrong, are projecting $65-$70 per barrel. At the time the budget was drawn up, who would have taught oil price would drop to $60 per barrel? Nobody. Don't forget that the budget was drawn up when crude oil price was about $80 per barrel and it was that leeway that we gave ourselves to still be above $60 per barrel.

"I check the oil price everyday this year; it has not fallen below $60 per barrel. I think for us the challenge more should be for us to be meeting our production. And what do I mean? Possible OPEC quota more than anything else. That is because with Egina coming on stream, that is another 200,000 barrels potential, taking us to about 2.3 million barrels. So, I am not worried about the crude oil benchmark in the budget, because it doesn't look over ambitious. We were already at 2.1 barrels last year, including condensate. And if you remove condensate, we are doing about 1.76 million barrels per day, and that is part of our OPEC quota."

However, in his budget speech to the National Assembly, President Muhammadu Buhari had stated: "Notwithstanding the recent softening in international oil prices, the considered view of most reputable analysts is that the downward trend in oil prices in recent months is not necessarily reflective of the outlook for 2019.

"However, as a responsible Administration, we will continue to monitor the situation and will respond to any changes in the international oil price outlook for 2019. With regard to oil production, I have directed the NPPC to take all possible measures to achieve the targeted oil production of 2.3 million barrels per day."