₦airaland Forum

Fahdiga:
Imagine the people I'm sharing the same country with. Lord Lugard you will continue to burn in hell fire

And how did you know he is in hell fire?

Please what is the essence of creating Utme profile?

And what are the steps in creating one?

Kingosytex:
I hate that sh*t with passion and I don't watch it. Some even stay awake to watch those opportunists sleep, isn't that foolishness?
Left to me, no one will be watching it.
I don't condemn those that do, whatever rocks their boat?

My only concern is why we keep jettisoning creativity for mediocrity.
Just gather some random guys, reward them with millions in cash and endorsements and tag them celebrities

We're still very far in this country.

I wonder ooooo

Why can't they use that money to set up a quiz show for children/students,atleast this will encourage or serve as incentive to them by making them workhard.

chukwuibuipob:
Pa Lai MuhamMAD offspring .Dis one go make devil fear him.Haba! I go spend 7k on these stuff and get change on top sef.Dat broom stick aka dangote spaghetti nah 200 per one.. Onions nah 500.Make Una dey lie small

You will be a good economist.

Kingcalls:
Close mouth...he has more CL titles, wins and goals that ur fraudulent dwarf that cant mk it without iniesta and xavi

If title is a criterion,who has more

ChizzyBuna:
Honestly this show is far better than football.
This BBnaija teaches us about social pshycology and Adaptive Human Behavioural Psychology.

As for football
I see grown men in beer parlor arguing and bad mouthing 18 year old striker that is making 100k pounds per week. While these same men cant even afford 20k to save their life.

Some men will even fight for a striker who doesnt know they exist.
Its a very pathetic sight to see

He said "better than football".

jaeyking:
When Nigerian musics could be used as a voice for the other nations to know about it's happenings.

Now just boobs, ass, money ,dey reign.

Just like Zombies by cranberries

Only burna boy's song still kinda relate with fela's.

Kyari or not Kyari,what has been kyaried has been kyarized.

Stop the kyarism!!

Two important management lessons I learnt from a 500 Naira note.

1. It happened some time ago but . I was in an audience listening to a motivational speaker. The speaker got out his wallet & pulled out a 500 Naira note. Holding it up, he asked, "Who wants this 500 naira note?"Lots of hands went up. Including mine. A slow chorus began to build as people began to shout "Me!" "Me!" I began to wonder who the lucky one would be who the speaker would choose. And I also secretly wondered (and I am sure others did too ) why he would simply give away 500 naira. Even as the shouts of "I want it" grew louder, I noticed a young woman running down the aisle. She ran up onto the stage, went up to the speaker, and grabbed the five 500 naira note from his hand.

"Well done, young lady," said the speaker into the microphone. The speaker simply say "Most of us just sit and wait for good things to happen. That's of no use. You've got to make things happen. Make a move" 'Simply thinking about doing something is of no use and not good enough'. Our lives are like that.

We all see opportunities around us. We all want the good things. But the problem is we don't take action. We all want the 500 naira

notes on offer. But we don't make the move. We look at it longingly. Get up, and do something about it. Don't worry about what other people might think. Take action.

2. Later, the speaker got another 500 naira note and held it up for all to see, I thought I knew what's up. But he just asked a simple question. "How much is this worth?""Five Hundred naira!" the crowd yelled in unison. "Right," said the speaker. He then took the note and crumpled it into a ball and asked "How much is it worth now?" "Five Hundred naira!" screamed the audience. He then threw the note on the ground, stamped all over it and picked up the note and asked one more time: "And how much is it worth now?" "Five Hundred naira!" was the response. "I want you to remember this," said the speaker. "Just because someone crumples it, or stamps on it, the value of the note does not diminish. We should all be like the 500 naira note. In our lives, there will be times when we feel crushed, stamped over, beaten. But never let your self worth diminish. Just because someone chooses to crush you, that doesn't change your worth one bit!

Don't allow your self worth to diminish because Someone says something nasty or does something dirty to you." Never let your self worth diminish!.......take action this year....put your past behind you. You have a colourful future.

God is with you.

Almost everyone is in one business or the other. It is either you are running your own business or you are paid to help someone run theirs.

While the former is called an entrepreneur, the latter is called an employee.

Many people aspire to have their own business, even if they are employers somewhere.



Entrepreneurship is key to building a formidable global economy. In entrepreneurship, their is no limit to your impact and income.

You can actually decide how far you want your business to go, and how much you intend to earn. That is the beauty of entrepreneurship!



However, it is not that some people want to remain employers for life, but there seems to be a general phenomenon affecting many people.

The fact is that you need funding to start-up, establish and expand your business.

You would have observed that the major challenge facing many people is how to raise the start-up fund.



The worst thing you can do to yourself is to give up on your dreams because of lack of start-up fund!

Some people complain that they are not even eligible to obtain loans, seeing that they have no collateral.

Waiting for loan has destroyed many dream businesses that would have become Conglomerates today!

Before you give up on your business dream, there are many simple and cool ways you can raise start-up funds to pilot your dreams, even without collecting loans.

In this article, we shall be looking at 10 Cool Ideas On How To Raise Funds For Your Business.



1. Personal Savings
It is very unfortunate how people trivialize the power of personal savings. Many great businesses started with an individual's personal savings.

No matter how little, you should cultivate the habit of personal savings. Be disciplined and learn to delay gratification of certain things.

You can raise start-up fund for your business from your personal savings, without collecting loans.



2. Sell Your Assets and Liabilities
You can sell your Land, Houses, Shares (Stocks), Cars, Electronics, Gadgets, Furniture, Jewellery, Clothes, Shoes, etc.

If you are really desperate for a change, I mean if you are determined enough to start that business, you must be ready to sacrifice something that belongs to you.

As it is not always advisable to start a brand new business with loan, this is one method you can engage to raise the start-up fund you need.



3. Contributions
Whether daily, weekly, monthly or yearly contribution, note that this is also one sure way many business people adopted to raise start-up funds, without collecting loans.

Contribution method of raising fund is a system where a group of 2 or more people decide on a certain amount of money to contribute within a certain period.



4. Grant
Grant is free money given to individuals or groups by government, institutions, organizations, individuals, etc to help them accomplish a purpose. Grant is not loan.

Grants can be given as a reward for a competition, task, etc. It can also be a philanthropic act without any special requirement for its qualification.



5. Family and Relatives
Some people have family and Relatives who can help them, but they would prefer to keep struggling on their own.

I understand that sometimes it is even a risk to reach out to family and Relatives, especially for the fear of being envied or having them work against your progress, etc.

Nevertheless, the fact remains that this is one avenue through which some people have been able to raise start-up fund for their business, without collecting loans.



6. Friends and Colleagues
In most cases, the same thing that applies to family and relatives also applies to friends and colleagues.

It is up to your discretion to know who you are dealing with.



7. Partnership
When it comes to partnership in business, you can partner with individuals or organizations - depending on the business involved.

Partnership should be formalized, with all necessary terms and conditions specified.

Through partnership, you can raise start-up funds for your business, without collecting loans.



8. Launching
Depending on the kind of business you are going into, you can organize a product launch, where you invite people to support your business or product.

Through this avenue, you can raise enough funds to push your business to the next level, without collecting loans.



9. Exhibition
Product exhibition is an organized and formal way of showcasing your work or products to attract more patronage.

This can also help you to raise funds for your business, without collecting loans.



10. Crowd funding
Crowd funding is an arrangement where you let people know your intention and they in turn support your ideas.

We have some online platforms that are dedicated to this. Some people have equally used this means to raise start-up funds for their business without collecting loans.



Above all, pray to God for wisdom and guidance to take the right decision.

Finally, I hope you learnt something worthwhile from these 10 cool ideas to raise funds for your business without collecting loans.

What other cool ideas do you know through which one can raise funds for business without collecting loans?

A lot of people find it very hard to save.

However,

Regardless of how low your income is, it is very adviceable for you to save as much as you can because you never know when you will be needing your savings for an emergency.

Here are ways you can save more and spend less.

1. Get A PIGGY BANK

As old fashioned as this may sound it is a very efficient means of saving. Save every extra money that comes into your hands.

2. Open A Savings Account

A lot of people do not know that they can instruct their banks to only honor deposits and disregard any form of debits on their account.

So you can actually enable deposits and disable withdrawals on your account until you are ready.

Having worked in a bank before I can assure you that this is possible.

3 Ensure You Always Make A List Before Any Purchase

4. If It is Not Important Don’t Buy It.

This is where a lot of people who find it difficult to save fail.

Many are not disciplined with their spending, as they tend to buy anything that comes their way.

There’s absolutely no way you can save with this attitude.

5. Cut Your Food Bill

If you can, cook most of the food you eat instead of buying cooked meals.

You can also buy your food in bulk where and when it is cheap as this will save you a lot. If you live on the Island where food is very expensive. Find a way to get your food items from the mainland where it is cheaper.

6. Stop Spending Too Much on Data

7. Look For Places To Buy Things Cheaper.

8. Figure Out Habits That Drain Your Money And Stop It.

9. Do Monthly Contributions If You Can.

10. Keep Track of All Your Spending.

Be Deliberate About Them.

If to say na for Nigeria,i for say the *ECONOMY SEF DO DEM SOMETHING*

BEGiLyBEGiLy:
Please create a topic on it.

Yea,it will be of great auxiliary to others.

RIP.


Live a Life that is worth living.

notoriousbabe:
So na makeup dey make dis woman fine for movies

Abeg shey Person wey dey cry de fine?

When I was about to enter senior secondary school,mum said I should stop cramming when she sighted me doing so,she said I rather read to UNDERSTAND.

That word of hers has really improved me.

Patience is the key.

It is there time and they are enjoying it,wait till yours comes.

[quote author=anthonyuncle post=103775170]your wife na wetin [/quoteA woman differs from women/ladies.

Try to understand the content bro.

anthonyuncle:
so your wife will just come to you like that

***CHASING AFTER WOMEN***

There are certain reasons why you should avoid chasing after girls; you may not have paid attention to this element of your life previously, but you must be aware of it now. There are several aspects of your lives that you need to focus on, and chasing after women is most likely a diversion for you, which isn’t always appropriate for who you want to be or where you want to go. Chasing after women may have an impact on your perception of women; you may be inclined to objectify women and consider them as tools, even if you’re supposed to respect them.



You don’t have to chase after girls to catch their attention; all you have to do is put in enough effort into creating yourself and they’ll come.

I’m going to show you three reasons why you should avoid chasing after girls in this article.

Chasing girls is something you should stop doing - Zero To Alpha
1. It would have an impact on your desires.

That is the main reason why you should avoid following after ladies; it will interfere with your aspirations. Rather than focusing your cerebral resources on your career or long-term goals, you’ll spend the majority of your time figuring out how to attract women and persuade them to like you. All of your aspirations may be shaped along that line, and you may be tempted to forget about your work goals or the destiny goals you’ve set for yourself to chase after females.

Chasing Women is a Gamble At Best, A Waste of Time At Worst
2. Another reason you should avoid chasing after women is that it will affect the type of friends you attract, slowing down your development in life. Individuals who are interested in chasing after ladies, people who would not challenge you mentally or improve your wondering prowess, are the type of friends you will be working with. You will be so focused on attracting ladies attention that you will not have time to be aware of your friends.

3. It would be a waste of time.

If you spend the majority of your time running after women, you won’t have enough time to focus on other crucial tasks that are critical to your professional or personal success. It’s a waste of time, and you shouldn’t be wasting your time on things like this. Your time should be spent on developing yourself as well as your career.

If you have any further information, please leave it in the comments section for others to consider.

There’s an old saying “Money, money, money—it’s all they can think about.” Unlikely to be true of course, given that hardly anybody thinks about money itself (unless they happen to be a coin collector). The reason we all pursue and desire and fiercely protect money is because of what we can do with it.

And no, of course money can’t buy you love or happiness. Although it can buy a good deal of pleasure—and remove a lot of unhappiness. But it can buy you plenty of other things.



Over the years I’ve identified 5 golden rules to get lots of money. I’ve studied a lot of wealthy people, and it’s clear to me that there are some fundamental common principles followed by almost all. The bulk of the Rules in this article fall into that category. Then there are also some principles which some rich people swear by, but not all. I’ve included some of those too for good measure, just in case you too are one of the people they do the trick for:

RULE 1- Anybody Can Be Wealthy—You Just Need to Apply Yourself

The lovely thing about money is that it really doesn’t discriminate. It doesn’t care what color or race you are, what class you are, what your parents did, or even who you think you are. Each and everyday starts with a clean slate so that no matter what you did yesterday, today begins anew, and you have the same rights and opportunities as everyone else to take as much as you want. The only thing that can hold you back is yourself and your own money myths.

RULE 2- Decide on Your Definition of Wealth

So, what, to you, is wealth? This is one you have to sit down and work out in advance if you are going to get wealthy. My observation is that wealthy people invariably have worked this one out. They know exactly what, to them, wealth means.

RULE 3- Set your Objectives

By defining what you mean by wealth, you now have a destination. Setting your objectives is establishing a timetable to reach that destination. It’s quite simple. If you know you are going to drive to a certain place, it makes sense to know

1- What time you are leaving home

2- What time you expect to arrive

3- What route you are going to take

4- What you will be doing when you get there



Getting rich is exactly the same. You will want to know in advance what rich means to you, how you intend getting there, how long you expect it to take, and what you are going to be able to do or want to do with your money when you get it.

So, having defined what wealth means to you, can you now see the importance of setting your objective? Think about how you intend getting rich and how long it is going to take you, and then set your objective. It might be simple: “I am going to be a millionaire by my fortieth birthday, and I shall make my money by running my own telecommunications company.”

Your objective has to be realistic, honest, and achievable. By realistic I mean that setting an objective of being the richest person in the world might happen, but it isn’t going to, it isn’t realistic.

Honest means you have to be true to yourself and set an objective that you can live with and work with. Lying to yourself means it will fail. Lying to others means it will fail.

Achievable? Yes—that, too. If you know nothing about property and aren’t interested in learning, have no capital and can’t get a mortgage, then setting an objective to be a property developer isn’t realistic, honest, or achievable.



Happy with what you’ve got? Good. If not, try again and let’s get a move on; we want to get you up and running as soon as possible.

RULE 4- Keep It Under Your Hat

Now that you have embarked on a new journey, a new direction, it might be worth keeping it under your hat. There may come a time when you will need to discuss what you are doing with money people but for the moment don’t broadcast what you are doing. There are several reasons for this:

- Other people’s opinions can often be negative, and this can discourage you.

- If everyone is doing it, there may be less room for you.

- There’s no need to give away all your best ideas.

- Having other people discussing your business among themselves is never good for you.

- You don’t want to be seen as preaching or trying to convert people to your way of thinking.

- No one else really wants to know what you’re up to—if they ask how you are, reply with a simple “Fine” rather than a lengthy explanation of what you are doing.

- It’s nice having a secret—gives you a warm, smug, glowing feeling.



If you go round broadcasting what you’re doing, there will be people around you who will get jealous and will do pretty well anything to discourage you.

RULE 5- Most People Are Too Lazy to Be Wealthy

You have to get up early, work hard all day, and go to bed still working on your objective. Yes, money does sometimes grow on trees—or so it seems. Yes, people do win the lottery, the jackpot, the big prize. People do get sudden inheritances from long-lost relatives. Yes, people do suddenly find fame and for￾tune where they sought for none. But it isn’t going to happen to you. Well, the odds are that it won’t.



I think if you look at anyone rich enough to be a role model— Dangote, Adenuga, Otedola, Warren Buffett, Bill Gates—you’ll notice only one thing in common…they work their socks off. They might make their money from computers, sales, business, the telecommunications industry, whatever. But the one thing they all share is the ability to do more in a day than most of us do in a month.

Please don't forget to comment your contributions in the comment section below.

England will win and be defeated

Bluezy13:
I am not a preacher.

No wonder.

RIP Sultan.

D for Democracy.


No matter how bad it is(military)he better mi li ta ri..........

Blakjewelry:
lol that scare tactics doesn't work on me, the earth will be here a billion years from now by then your beliefs will only be found in the library

Athiest

vickertony:
To be sincere, no business.
Nigeria business environment is not friendly

Demographically it is.

Bluezy13:
That's a fallacious statement.
The sin I know the bible said is irredeemable is the sin of blasphemy.
Some pastors crack jokes during sermon, does that mean they will go to hell ??
Where exactly in the bible is it written that when one makes someone laugh in the temple that one must go to hell ??
Sin is an immoral conduct. Is making someone happy an immoral conduct ??

I am neither a Christian nor in support of cracking jokes in churches but that doesn't mean that those who do it will not make heaven.
The bible has given a criterion for going to heaven which is only believing on Jesus Christ, and this makes me wonder what gives you such temerity to conclude that someone that just crack a mere joke will go to hell, and besides, you didn't even specify if the joke is an immoral joke or a harmless joke that does not in anyway adulterate the essence of the gatherings of God's people.

Nice reply,,,

But please can you quote anywhere in the Bible to butress your fact.

DonroxyII:
Yes, it is possible even MBA is mostly about Business Administration!

As an Accounting student, You will minor in Business Administration courses up until 300L (In my own school) but you can't be well grounded in the theoretical modules of business like the Major .....

But we Accountants are well trained in Business phenomenon as far as practically possible ...

Thanks.I am an aspirant of Accounting.

Please is Accounting more relevant to Business Administration?

PatrickOkunima:
Even you know the answer.

I don't know

That is why I ask...

Please I want to ask another question...

Accounting or Business Administration,which is better?