Improve your skills, improve your worth.
Skills Employers are looking for in 2019

Every now and then, you need to retreat and upgrade your resume with relevant skills needed to make you work smarter, achieve more and forge ahead in your career.

When talking about job skills, we should be aware that they are divided into two sections: soft skills and hard skills. Soft skills are the type of abilities that can't be proven with a certificate or degree, and because they can't be automated, they're increasingly in demand and take time and more effort to be noticed by others. Soft skills have to be done repeatedly over time for it to become a skill. They include skills like collaboration, creativity, negotiation, time and risk management, etc.

Hard skills, on the other hand, is quite different and more rigorous than soft skills. They have to be learned as a course, practiced and certified through a test or examination process. Unlike soft skills, hard skills have to be backed up by certification, while soft skill would be realized over time. The similarities they both have is that they both require action and time for it to be perfected.

In 2019, employers are hoping to see their employees improve on some soft skills and also train some when necessary on some hard skills to ensure they become better at their task and achieve goals without limitations and on time.

Some of the soft skills are;

Creativity: This is perhaps one of the skills that would remain relevant for growth in any business. There is a problem to solve and that’s why there is a business, therefore, employers’ needs employees that are able to think outside the box to solve a problem with an unorthodox approach.

Time Management: The world is evolving fast and in business, there is a need to catch up with the trends that pertain to your industry in order to keep your customers closer. Therefore, employers need their employees that can use their time effectively and productively to achieve more goals within a short period of time.

Adaptability: Constant change is the new norm. Based on the daily change in technology, innovation, and world business policies, employers need to be sure that their employees can adapt to the trends and would consistently stay abreast of things for easy adaptation.

Some of the Hard Skills are:

Data and Analytical Reasoning: Every business needs information about their clients and/or customers in order to serve them better. This is why employers are looking for people who can read and analyze data and make profitable decisions from it.

Digital Marketing: Now that everything is done online including sending and receiving money, employers need digital marketers that understand the digital space, trends, and data and also use data to develop content that resonates with the target audience and the business objectives.

People Management: The world has moved from rigid business policies that promote a “command-and-control” model to flexible and empowering policies that promote creativity, productivity, staff work fulfillment, and overall growth. Which is why employers need professionals that can coach and lead the people that work with them for the overall success of the organization.
These are just a few of the many skills employers are seeking for in 2019, and if you already have one of these skills, then lucky you.

We all know what networking is. We do it every day even when it’s not intentional. But professional networking goes beyond just following people and getting connected to as many people as you can. Networking is deliberate and when done properly would help you gain access to more experienced executives and professionals in your field and other spheres of life.

The aim of networking is to help you get support, feedback and advice that would help you shape your career through meaningful relationships you have built over time.

However, some of us are getting it all wrong by making the following mistakes;

1. You only network when you need help:

One of the biggest mistakes we make is not starting early. A lot of people start networking only when they need something desperately like a job, a recommendation, a verification of some sort or have a specific professional need.

To get this right, you need to be proactive. Start networking now when you don’t need help. Build relationships by supporting someone’s opinion or views that align with yours, refer or recommend someone if you can, offer to help if you are capable of doing so, share your values, help someone gain some credibility by verifying them a skill and much more.

Remember, one good turn deserves another. When you sure need help, you won’t have to desperately ask for it, it would be easy.

2. You avoid people who share your job title

A lot of people assume there is little or nothing new they would learn from another professional in their field. Therefore, they connect only with either higher executives or people in another professional field with the hope that they would learn more valuable lessons that way. While that is great, some of the best ideas usually come from talking with other professionals in your field who share the same daily obstacles as you do.

Therefore, be open to meeting other people at the same level as you in your career, and discuss the challenges you face. It will feel good to get help from someone who understands you perfectly because are also trying to tackle similar issues. You never can tell, they also might be able to refer you to the right source to get something sorted. It could be career related or finance related.

3. You’re not prepared for a conversation or a follow-up

A lot of people attend seminars, meet new people, get to know their names and end it there. That is poor networking. When you attend events and meet new people, you should be ready to go beyond the brief introductions of knowing their names. You should be ready to share your views on a subject and start a conversation. This way you encourage the other person to also share their opinions and there, you have a conversation. Take it a step further and don’t end the conversation at the seminar, do a follow-up and check them out on social media to continue the conversation or start a new meaningful conversation that would help you grow.

Finally, remember that networking is a continuous effort to build and support others just like you would want them to do in return.

While you might still be getting over the money hangover from the holiday and setting new goals to help you stay fit financially, you might also want to consider and re-evaluate items you should and should not purchase this January.
While it is best to purchase some items this January, you should stay away from buying the following items for the month of January.

Smartphones
If you have noticed, smartphone companies do not release their new models in January. Therefore, January won't be a good month for discounts on previous models.
Take Samsung for instance, the company would be releasing the Samsung s10 in February 2019. Also, Apple would be releasing the anticipated iPhone XR in September 2019. This means two things, one, at the time of release, phone stores would most likely give discounts on old models since there would be more attention on the new model. Two, you certainly do not want to buy the old model when a smarter phone with better upgrade and design would be released a month or a few months away.

Computers
Just like smartphones, you might not get a good deal or discounts on laptops and desktops in January, but you might begin to get discounts from February up until March and afterward depending on the brand and if they have a new upgrade on old models or a totally new model and design. The way to go about this is to check the website of your preferred brand to find out if they would be releasing a new design soon. You should also remember that laptops and desktops are not items you want to purchase just for the sake of owning it because functionality and updated specifications are what you would be looking out for. Thus, you should hold on a bit if the next model would be released soon.

TVs
If you missed out on the Black Friday sales on TVs and other home entertainment appliances late last year, then you might have to hold on a bit until your preferred brand has a new upgrade on the specification of appliance you would like to purchase. If you are not sure of when this would be, check out their official website to be sure a better spec will not be released in a few months from now. But if you really need to get new sets of TVs, then why not. You just might get it at the usual price or a little higher.

While it’s best to hold on with the purchase of the items above, some items and services are best purchased in January. Items like home décor and services like gym subscription would also be at a discounted price to encourage people to subscribe for a yearly plan.
Above all these, February the month of love is just around the corner, and you can rest assured that there would be a lot of sales, discounts, and promos on most purchased items.

Again, if you can’t wait to get the things you need to make life easier, and you need more money to get it sorted, visit www.pagefinancials.com to get a quick loan of up to N5million in 3 hours or less, provided you are a salary earner and you live in Lagos.

Happy New Year! The holiday is finally over and it’s a great time to sit back and take a moment to set some good financial goals that would help you achieve your overall goal for the year. Before you go into setting your financial goals, you would want to state out other large and small goals, as they would serve as a guide to setting your overall financial goal.
Now let’s get started on setting the financial goals.

First, you would need to;

Budget and allocate:

Building up a budget cannot be overemphasized. It is the starting point of any financial plan. As stated earlier, state out what it would cost to achieve your small and large goals. While building a budget on how much your goals would cost, ensure you allocate a certain percentage of your monthly income to each goal after excluding your daily expenditure. Budgeting would help you manage your money, limit impulsive splurges and excesses, and help you achieve your overall goal.

Tag it and Save it

Now that you have your goals stated out, it’s time you became intentional about it. Rather than saving all your money in one place, tag it and start a target savings plan. Financial institutions have been able to make saving easier and more rewarding such that, you can have up to 10 savings plan on the same account. For instance, you could tag a savings plan travel and another, new car and another, house rent. This way it’s easier for you to view the possibilities of achieving each goal and also reduce the temptation of spending from your target savings since you might not be able to touch it until when you need it. Another advantage of target savings is that you get a reasonable interest in your savings.

Start Investing

If investing was not your thing in 2018, it should be your financial goal this year. About a decade ago, investing was quite overwhelming with so many risks and uncertainties involved. Now, investing is a lot easier, simpler and safer such that you don’t need a professional investment banker to take absolute control over your investment. With financial institution like Page Financials in Nigeria, you can now start an investment plan in the comfort of your home, track your progress and earn up to 20% on investments.

Make room for Miscellaneous

Depending on how broad or narrow your savings plans are, you can and should have some room to save for miscellaneous that can be used as an emergency fund when the time arises. You don’t want to break your target savings for rent for instance to repair your car. In this case, no amount is too small to save, but ensure you allocate a specific amount daily, weekly or monthly for this purpose.

Educate yourself

You want to achieve more with your money, learn from successful people who have mastered the art of making their money work for them. Learn more about different types of investments plans, learn more about

Finally, while all these goals would help you achieve your smaller and bigger goals, you need to stay disciplined to your savings and investment plans to be able to achieve your goals.

Also, remember, that when the bills become overwhelming, don't hesitate to visit www.pagefinancials.com to get a quick cash loan.

The month with many months is here with more bills to pay. Bills like school fees, house rent, new car purchase, and of course monthly feeding, supplies, and maintenance among others and emergency costs you do not budget for.

You should not worry about footing the bills this month because, Page Financials, has got you covered with quick cash loans of up to N5million you can access in 3 hours or less, upon completion of your loan application.

The good thing about getting a quick cash loan from Page Financials is that you don't have to leave the comfort of your home or office. You can just apply for a quick loan at www.pagefinancials.com provided you are a salary earner and you live in Lagos with a valid national and work ID, 6 months bank statement and you are all set to get a loan from Pag Financials. It's that simple.

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Career Goals for 2019: Things you must not miss out when setting your career goals.

The holiday is officially over and it’s back to work season. For some people, resuming soon is quite exciting to them as they have been able to analyze, forecast and plan their career for the year. While this is true for some, it is quite the opposite for some others who are just getting over the holiday hangover.
If you are uncertain about what your career goal should be or yet to set them, you should consider setting the following goals among others that may not be listed here as your career goals for 2019.

Improve your Skills, Improve your Worth
More often than not, there is always room to learn more on any job. Apart from the fact that the world is evolving really fast and you have to stay abreast in order not to be left behind, participating in a nurturing and evolving existing skill would have a positive effect at work. For what it’s worth, you would feel more accomplished, gain confidence, feel encouraged to learn more, and a higher sense of purpose when you are able to put your improved skills to work. That way, you have improved your professional credibility and self-worth.

Read a career-related book
Reading would take you to place you have never been before. – Popular Proverb
Setting a goal to read at least a book a month is a good way to get started with increasing your knowledge about anything. When selecting the type of career books to read, ensure you read books by successful people in your professional space. This way you get to learn not just by the books but have an idea of the how they overcame some challenges that you may or may not experience on your professional journey. You would also get to know the professional skills they had to improve on and personal habits they had to develop to achieve some goals at work. Not all you learn would be applicable to you right away, but it would be relevant to you someday.

Aim to Network
Networking is here to stay and is now vital to your professional survival. The need to stay connected has gone beyond having some friends on Facebook. Networking transcends meeting people across social media platforms, it is now building a community or a team for yourself both offline and online. When you attend a seminar and other social events, meet new people in a different professional space from yours, this way you get to have a team of professionals in a different career path that would be of help to you in future.

Stay away from your comfort zones.
Most importantly, stay away from your comfort zone. If you would like to grow and achieve more, you would need to get out of your comfort zone often. This year, try new things, read on things that do not relate to your profession, take more risk, go an adventurous trip, and take a vacation to somewhere different from your usual comfort vacation destination.

If you could be committed to at least three of these goals, then you are in for an amazing and productive 2019.

The month with several months is finally here! January, the first and somewhat the toughest month for so many, especially salary earners is regarded as the longest months of the year. This is not because it has no more than 31 days than any other month because it doesn’t but, because some of us got carried away in the festivities of the holiday that it has become quite difficult to get over the spending handover.
If you are a salary earner and you find yourself wondering how to survive the many days in this month with the little you have left, then here is how to get started.

Track and Curb
This is the very first thing you should start doing. No matter how little you think you have, it can be sufficient enough to tide through the month if you want it to be. Start by becoming accountable for every Naira you spend. You shouldn’t stop at that, you should also begin to cut down on your excessive spending. Now is not the time to spend on your wants or cravings. This is not the time to even buy the best deals on products you don’t need because there will be a lot of discounts, but try and ignore them all if you want to survive the month financially.

Switch things up
There’s no better time to become creative with how you spend and the things you spend on. This is the ultimate DIY season for your meals, laundry, minor room renovations, and minor repairs among others. If you pay premium on your cable TV, you should try something lesser for this month or go on a cable TV fast. The same applies to internet subscription. Try a lesser plan and spend less time on the internet. This is the time to switch things up and enjoy the simple things of life that cost nothing, like the time spent with friends and loved ones rather than the time spent online.

Avoid online stores
As stated earlier, this is the discount and promo season. More items would be up for grab at a lesser price. You would also agree that it is easier to buy items with your card online than buying with cash at hand at a physical location. Therefore, try as much as possible to avoid online stores at this time of the year.

Seek help
To be honest, not everyone would be able to tide through this month without external help. But that should not become overwhelming if you find yourself in this category. There are financial institutions like Page Financials that offer payday loans with low-interest rate to help you sort the bills when they become overwhelming.

Finally, tiding through this January is totally up to you and your plans, and we advise that you should be intentional about it.

Hello everyone,

If I have N200,000 for this year I would rather lock it up with Page Financials as an investment and earn up to 20%.

This is a political year and anything can happen, so rather than start a business that might fail due to political decisions that might affect businesses negatively.

Therefore, I would invest the money for a period of 6 months at least to see how the event of the country turns out. When everything seems to be running smooth, I would then collect my money with the interest and use it for whatever I want or leave it to keep growing.

Don't forget, the place to visit is www.pagefinancials.com to start an investment and start earning up to 20%.

4 Ways to Get Ahead of The New Year

The New Year is here, so it’s time to make the most of it. At this time of the year, you must have done a proper review of the year. But if you are yet to do that, it is not too late.
Reviewing the year is not just to remind you of your achievements and shortcomings but to help you kick off your New Year’s career on the right foot and here is how to get started.

List your achievements
Think of the best three to five things you accomplished this year and write them down. You must have achieved those goals because you did something spectacular or improved your skills or began a new behavioral pattern. Whatever you did to achieve those goals should be listed as your strength.

List your shortcomings
After doing this, you should also state three to five goals you could not achieve and why. When you become familiar with why you were unable to achieve those goals, you can make those reasons your weaknesses. Write out those weakness and draw up a plan to manage your weaknesses.

Create a Plan
Now that you are familiar with your strengths and weaknesses, it is time to write out your New Year goals and seek ways to maximize your strength to achieve more. If you need to acquire more skills to do more in the coming year, you should begin the training process now.
This is also the right time to create a plan on managing your weaknesses such that they can be used to achieve your goals.

(Don't forget to visit www.pagefinancials.com to get more money to achieve your goals this year.)

Brace yourself for the next level.
Success is opportunity meets preparation – Zain Asher
The world is evolving really fast and you cannot afford to be left behind. The end of the year is a great time to look ahead and figure out what you need to start doing to prepare you for the changes that may occur in your professional, [url]financial[/url], social and personal life.

Finally, failing to prepare is equivalent to preparing to fail. Therefore, achieving your goals in 2019 is highly dependent on your preparations and commitment towards achieving them.

Don't forget to visit www.pagefinancials.com to get quick cash loans to achieve your goals this year.

Almost any destination this Christmas would be magical and beautiful, but some destinations stand out with more cheer, taller trees, brighter lights, tastier foods, glowing hearts and more breathtaking performance and sights
Christmas is not complete without family, and if you are yet to decide on where to go this Christmas for an amazing family vacation, you should check out these 4 places that are amazing for a family Christmas vacation.

Bahamas
Bahamas is an ideal destination any time of the year. And during Christmas Bahamas is one of the best destinations for a Christmas holiday for families and definitely one places for the most amazing beach vacations for families.
Bahamas is known for its sandy beaches and island-style weather. You would enjoy a lot of beautiful family-friendly beaches with easy access for fun boat trips and you could also go snorkeling. Don’t forget to indulge in some beachside pampering while your kids play in the sand.

Dubai
Dubai is a beautiful destination all year round. Not only is Dubai a business destination but also a place to enjoy an amazing Christmas vacation with your family. There are a lot of things you can do in Dubai with your family. From family beach clubs to theme parks, from a walk to the beach to exploring and touring the dry areas such as the Red Dune Desert Safaris among many other things you can do a the desert in Dubai.
There are so many more reasons as to why Dubai is one of the top Christmas getaways with kids and it ranks as one of the best places to visit for Christmas with family.

Jamaica
Africa like we all know is rich in culture, and Jamaica does not relent in exhibiting its rich culture most especially during Christmas. Christmas in Jamaica is one great place to visit and stay especially with your family. During the festive seasons in Jamaica, lots of people paint their houses and hang new curtains and decorations to bring on the cheer for Christmas.
In Jamaica, Christmas Eve is also called 'Grand Market' and is a really exciting time to party and celebrate Christmas, especially for family and friends. Jamaica has so much on offer, from lazy days on sandy beautiful beaches to snorkeling to hiking through the rainforest to find another stunning waterfall. You could also visit the famous blue lagoon, and if you are feeling adventurous there are plenty of road trips to explore.

Cape Town, South Africa
South Africa is an amazing country to visit for family Christmas vacations. At this time of the year, it is summer in South Africa and the weather is usually conducive with the full-blown in full blown.
The most popular things to do in South Africa is to head up to Table Mountain using the cable cars. Not only will the kids love the experience of the ride up, but they will also most likely spot a lot of wildlife upon the mountains as well.
Talking about wildlife, two other popular activities are a must visit. They are a boat ride to see the gorgeous little penguins at Boulders Beach, and the seals on Seal Island. If you would like, you should all visit the museum and learn a lot about the South African apartheid history.

If any of the above destinations is ideal for you and your family this Christmas you should hurry and get your finance together with more money from Page Financials, get your bags packed and let the family Christmas vacation begin.

The festive season is a jolly, hectic and very busy time of the year. It’s a time for families to get together, old friends to meet again and for the hearts to be as merry as possible. No matter the plans for this time of the year, you should not forget to be deliberate about the most important element of all, the money that would fuel the fun this season.
Planning financially for this festive season is planning unusual. Because it is just once a year, you would like to make it a memorable experience. Therefore you have to put in an effort to make that possible.

Here are 4 financial guides to help you plan your spending for this festive season so you can have fewer worries more fun this holiday season.

1. Be deliberate about giving
Christmas is not complete without giving. Most of the time, we do not deliberately take out time to plan and budget for gifting our friends, loved ones and colleagues from work, which in most cases are inevitable. We often plan for just our personal Christmas items and forget the
The best way to budget your money for gifts this season is to start with a list. Create a list of people you would like to give to this season and give room for extras. You could run into an old friend or a distant relative and you would want to leave them with something they would remember. When this is sorted, don’t overthink what you would get for individual persons, but rather, get a generic yet thoughtful gift anyone can use. This way you would save yourself a lot of stress and money.

2. Buy now
If you would like to buy anything for Christmas, it should be now. Apart from the fact that most of the items you would want for Christmas would still be available before the rush hour begins, you would also be able to take advantage of the discounts and sales that would be ongoing before the peak season when things might tend to go higher. The same applies when you want to get your travel tickets. If you would like to travel for the holiday, get your tickets sorted now before the prices go up.

3. Be cautious when purchasing online
If you would like to chill at home and buy your Christmas items and gifts online to save you the stress of to walk past thousands of people at the mall and local stores, you should be very careful.
It is very important to be vigilant when visiting an online store or banking sites. When shopping online, ensure you use trusted online stores with secure websites as cyber theft seem to be very high during the festive seasons.

4. Save for the New Year
To start the year on a good note, it’s important that you properly budget and spend your money wisely over December. While it’s tempting, you should not spend your entire salary over the festive season.

Remember you would need to take care of your wellbeing and that of your family members for January before you get your first salary for the year. You would also need to take into consideration your loan repayment plan if you have an existing loan, so you do not overstretch yourself financially.

Finally, Christmas and New Year season is usually the most interesting season of the year with its down moments, and it does not have to be stressful if you follow the financial tips above. Also, when the Christmas and New year spendings become overwhelming, you should visit Page Financials to get a quick loan to tide you through the festive season.

Everyone has the potential to be creative but not everyone is aware that their creative ability can be channeled towards solving problems regardless of where it is needed either at home, work or personal life.
A lot of factors could contribute to our lack of creative ability in solving problems, but here are three ways to begin to solve a problem creatively;

1. Detach yourself from the problem:
The way we look at a problem is limited by the way we frame it, which in turn is influenced by our past experience, our beliefs, and our mental processes. Re-assessing a problem or looking for solutions from various perspective is a good way to overcome some of the mental biases that we might have beforehand.

2. Learn more.
A lot of people are unaware that there is a method of creativity. Although creativity does not take a specific process or pattern it is often developed based on insights and existing knowledge that would help to drive and guide the idea finding process. Therefore you need to increase your knowledge on the subject to be able to harness your creative genius.

3. Self-Awareness.
Things would become easier when we are aware of our core strengths and opportunities. Finding what works for you would help you to find tools, techniques, and tricks to overcome and increase your problem-solving skills.

Nuggets from Page Financials

Risk is part of life and is pretty much unavoidable. Therefore, as an individual, you should be able to foresee potential problems or threats and set plans to stop them from happening.
You don’t have to be a risk manager or go to a school to master risk management rather it is a continuous learning process.
Here are 4 ways to develop risk management skills which can help you in any field of work;

1. Be Technically Aware
Risk management begins with understanding the technicalities of the task assigned to you. A proper analysis of your task would help you foresee possible challenges and prepare you ahead on how to handle them when the need arises.

2. Decision Making Skills
Apt decision making is very essential to risk management. Managing risk requires fast decision-making skills as there may be very limited time to make decisions.

3. Be Detail Oriented
Most of the time, the small things and the details of them get lost in the grand scheme of things. Therefore the small things matter and should be taken into consideration as keeping an eye on the details would most likely prevent a major mishap in the future.

4. Be Organized
As simple as that may be, it is all you would need some time to manage a risk. Before the need to manage a risk arise, being organized would help you foresee changes and possible risky situation ahead of time and also prepare to respond to them on time.

Nuggets by Page Financials

The principal objective of insurance is to protect what’s most important to us, life, health, home, properties, workplace, etc. Insurance is a must in many cases but a lot of Nigerians choose to do without it and this is a huge mistake for everyone that owns an asset of any kind.
However, the correct insurance policies guarantee the safety of your properties. Although insurance requirements vary from person to person but here are five must have insurance policies that everyone should have

Life insurance
It is true that a lot of people do not believe in life insurance. They believe since it won’t bring them back when they are gone so what is the purpose of life insurance. But the truth is, life insurance isn’t there to protect us; it’s there to help our loved ones transition when we’re gone. Think about your loved ones and your children, you wouldn’t want to leave them stranded with almost nothing when the inevitable happens however late.
No one is wishing to be gone so soon, but the point is, if you have any dependents, you should have life insurance. Even if you don’t have any dependents, life insurance can still give you peace of mind when you get older.

Disability insurance
Not everyone is familiar with this insurance policy, but it’s also important. We all understand the importance of life insurance yet many of us overlook disability insurance. Disability insurance is there to protect us in the event we are unable to work for an extended amount of time. It’s a must have insurance since it protects our greatest asset, which is our ability to earn an income.

Travel medical insurance
A lot of people totally ignore this in Nigeria. We forget that anything can happen when we travel out of the country. We could decide to try out a new recipe without knowing if the ingredient is completely safe for us, we could fall under the weather no matter how favorable it is. The point it anything can happen when we are not in our home country and you would not want to spend your money on medical bills outside your home country. This is not because the health care is not good enough, but it’s usually very expensive and I’m quite certain you did not plan to spend your shopping money on medical bills.
Therefore, if you would be traveling, then you should have a travel medical insurance in place.



Automobile insurance
This is the most common insurance but a lot of people still ignore it. Automobile insurance is not just important in cases of car accidents only. You don’t need to be involved in an accident before getting a car insurance. Other scenarios like car theft, heavy flood that could lead to the damage of your car, among other reasons are why you should get an automobile insurance. You also need a car insurance not just for you but for other people in case you get into an accident and you damage someone’s property, or cause personal injury. You could face huge bills or a lawsuit if you have no insurance to pay for the damages. Now imagine you got a loan to buy your car and you ‘forget’ to insure it before a bad incident happens.
Another simple reason why automobile insurance is a must have insurance is that it’s illegal to drive without it. Therefore, protect yourself and your wallet from the pain of owning a car without an insurance.

Home insurance
The odds are you won’t ever need to claim insurance for damage to your home but imagine the costs if you did? You never know when fire or flood could strike so don’t skip out the house insurance.
In the event of theft, your home insurance will cover your contents which will give you peace of mind. The cool thing about home insurance is that it carries over when you’re travelling. So if you bring your laptop and camera on a trip and it gets stolen, you’ll still be covered. Just factor in the deductible and figure out if it’s really worth making a claim.
Technically speaking all of these policies are optional but you’re taking a huge risk by not having them in place. Think of it this way, if your property can be destroyed, then it should be insured.

You must be familiar with the phrase, ‘Time is money’. This is the daily reality for those that work in organizations such as academic, medical facilities among others, where the daily wages are being paid depending on the hours spent working.
This fact does not elude those that earn a salary, because the principles of time management would help you manage your money.

Managing your money and managing your time are very similar. Just like you can’t really get enough of both, you also wonder where the time went and how you spent it at the end of each day. And in the middle of the month, you wonder the same with your money.

However, if you can learn how to manage your time or your money, you can transfer those principles to managing the other.
Below are a few ways that you can apply the principles of managing your time to your money.

Do a little bit, consistently
One of the most basic rules of time management is not to overwhelm yourself with a mountain of tasks that seem unachievable within a short period of time. Try as much as possible to focus on a single task until complete, rather than try juggle two or more tasks together. If the task seems enormous as a whole, break it into bits. Doing small things reduces your task to nothing in no time.
When it comes to managing your money, whether it’s savings, investing, loan application or repayment, putting aside a little bit on a consistently frequent basis is the surest way to turn a drop into a mighty ocean financially.

There Are Limitations.
There are only so many hours in the day so you have to use them to the best benefit. Wasting your time means you will achieve lesser than expected and that would affect your overall productivity in the long run.
The same goes for your money. While you do continually replace your money with new earnings, there is a limit to how much you currently have. Wasting it on things you don’t really need leaves less of it for the things you do need. The same way you might not have enough time in a day to so much is the same way you might not have all the money in the world to buy all you want. Therefore you should be able to maximize your time and your money to do more for you.

Make Commitments, Not Wish Lists
While you may have a to-do list of things you want to accomplish within a specific period of time, you should be committed to completing the task on your to-do list. If for instance, you well-outlined task to complete a project, you should not leave it at that. You must be committed to completing each task that makes up the project.
This also applies to your finances. If you have a bucket list of things you would like to do over a period of time, which you may consider to be your long or short-term money goals, you need to stay committed to the plans needed to achieve those goals. You have to stay committed to your savings or investment plan, in order to have enough money to bring your money goals to a reality.
Finally, remember that time is not only money, but it is also expensive. Managing your time well would indirectly reflect on your money.

This is very sad to know, but for salary earners living in Lagos, there is a way for them to access more money to sort out the bills, especially the ones that they do not plan for.

With a quick cash loan from Page Financials, salary earners in Lagos can now access a quick loan of up N5million in 3 hours or less from Page Financials. The good thing about this loan is that you do not need a collateral or a guarantor to get a loan.

Just visit www.pagefinancials.com to get started.

Before I go into the details of how you can get a personal loan from Page Financials, I will like to acquaint you with what Personal Loans really means.

Personal Loans
Personal loans can be used for any personal expenses and don’t have a designated purpose. This makes them an attractive option for people with emergency needs that needs to be sorted right away. For instance, medical bills, house rent loan etc.
Most personal loans are unsecured or secured with fixed payments.

Unsecured personal loans
This is the most common type of personal loan and it is unsecured because it does not require a collateral or a guarantor. Getting this type of loan is mainly based on your credit score and the repayment terms which is usually fixed but quite flexible and convenient. Most financial institution offers this type of loan to salary earners who have a proven and steady stream of income which makes this type of loan the most common and the best.

Secured personal loans
This is the exact opposite of the unsecured personal loan. This means it requires a collateral and/or a guarantor before you can get a loan approved. In this case, you would need to use an asset like your house, car or other equivalent property as a collateral to get a loan.

Now that you know what personal loan is all about, you can get an unsecured personal loan of up to N5million from Page Financials. All you need is to confirm you are a salary earner and you live in Lagos.
Visit www.pagefinancials.com today.

The word ‘busy’ is one of the most overused words. Everyone is always busy doing something, but the question is, is the productivity relative to how busy you are?
If your answer is negative, you need to shift your focus from being busy to being productive, and this is how you can get started:

Have a reasonable to-do list
Although this is where you might be getting it wrong. Rather than writing up a long list of all the big task, you would like to complete in a day, you should only list about 3-8 task depending on how much time each task would take. Having a long list of the heavy task would look overwhelming and less motivating, and this would only lead to reduced productivity.

Learn Single Tasking
Multi-tasking is overrated and we live in a society where multi-tasking is considered as a skill. The truth is, multi-tasking does not help you achieve the same amount and same quality of results that you would achieve when you focus on a single task. If you would like to be more productive, focus on completing a task before moving on to another one. If the task would take so much time, break it into smaller task, this way it’s less overwhelming and you would be able to achieve it in no time.

Keep a Productivity Journal
This might sound like a lot of work, but it certainly is very rewarding. In your productivity journal, you should have a list of your main goals with timeline and status of completion. When you complete them you check it, when you don’t, ask yourself why it has not been completed and what has to be done to complete them.

Finally, you should understand what works for you. You need to understand that what works for others in achieving their various tasks, might not work for you.
www.pagefinancials.com

This is quite good to know. But if you are not a beneficiary to this, and you need more money to sort your bills, you can access a quick loan of up to N5million in 3 hours or less from Page Financials.

You might be wondering what you would need to get a loan from Page Financials. You don't need much, not even a collateral or a guarantor. All you need is to be a salary earner living in Lagos. If you are a salary earner living in Lagos, quickly visit www.pagefinancials.com to get those needs sorted out right away with a quick loan at a reduced interest rate.

Every now and then, you would be required to work as a team member with your colleagues in order to achieve increased efficiency, focus different minds on solving the same problem and gain mutual support.

But for any team to achieve a stated result, such a team would need strong team members to perform well, and these are the qualities that define an effective team member;

Demonstrates Dependability
As an effective team member, you should be committed enough to get the work done. You should be able to follow through on assignments and deliver good performance at all times.

Communicates Constructively
Communication is key. You should be able to express your ideas clearly, directly, honestly and with respect for others. Communication also includes the ability to listen actively to others. By doing so, you are able to understand and consider ideas and points of view from other people without arguing. This way you would be able to communicate constructively.

Exhibits Flexibility
Working with a team means there would be changing conditions and you should be able to adapt to the changes and compromise when necessary. Being in a team means new directions would be set and changed if need be, therefore you should be able to roll with the punches.
Finally, being an effective team member does not just give you the chance to express your knowledge and experience, it also allows you to learn new things from others, provided you are open to learning.

www.pagefinancials.com

With the end of the year in view, more bills begin to pop out from every corner, including huge bills like house rent renewal, new car purchase, aso-ebi and financials support for your G’s wedding, Christmas shopping, end of the year gifts for family and friends, pheeew! The list is almost endless.

But that should not be a cause for alarm because you can get the bills sorted out in 3 hours or less by Page Financials. we are always here to help you get it sorted just like we did the last time.
Here are some things you get to enjoy when you reapply for a loan with Page right now:

Loan Disbursement in 3 hours – because we know that time is money, we make it faster for you to get the funds needed to sort out that emergency. Subject to documentation and approval, you can now get a loan of up to [LOAN AMOUNT] in 3 hours after application.

Longer Tenure: - as a loyal Page customer, we have extended your loan tenor to 15 months, so you can relax and repay your loan with ease.

Reduced interest rates- Hmmm! This is the best part. You can now get a loan at an even lower interest rate.

Ready to start? It's easy, just visit; www.pagefinancials.com to get a quick loan today.

“Whenever you read a good book, somewhere in the world a door opens to allow in more light” –Vera Nazarian

When was the last time you read a good book and went on an adventure, learned something new, exercised your brain, and fed your curiosities?
We do not encourage you to read books just to keep yourself busy or to satisfy some of your curiosities. You should read more books because the more you read, the more you understand the world around you. And when you read books, you discover life beyond what you already know.
For any career oriented individual looking to experience success at work and financially, here are the investment, personal finance and career books you should be reading if you re yet to get started with reading the books that are right for you.

Best Personal Finance Books
“Broke Millennial: Stop Scraping By and Get Your Financial Life Together”. A lot of young adults have a tough time understanding and getting their financial life together. But this guide written by a millennial for millennials offers great advice in a relatable, conversational tone. The book covers much of the basic financial information that any young adult might need, including breakdowns of various financial products, and how to overcome mental blocks about money.

To take this a step further, you should also read, “Your Money or Your Life” The book emphasizes the nine steps to transforming your relationship with money and achieving financial independence. If you would like to understand money management a lot better, then this book is a good read to achieve just that. The book also elaborates the need to make smart life choices regarding, work, life, and money, thereby helping you achieve a financially happy, work-life balance.

Best Investment Books
For the young or new investor, there is no better book to get started than, “Bogleheads Guide to Investing”. The book explains in an easy to understand way investing, mutual funds, bond funds, asset allocation, taxes and more. You don’t need an investing experience before you understand this book, it’s very easy to read. If you feel overwhelmed by investing and investments, then you should read this book.

Another book you should read to understand investment better is, “The Four Pillars of Investing”. This book takes you through concepts like risk and reward, market history, and the psychology of the market. It’s one of the best-investing books for building a solid working theory about investments.


Best Career Life Books
“Mistakes I Made at Work: 25 Influential Women Reflect on What They Got Out of Getting It Wrong”
If you are just starting out with your career, then you are very lucky. If you have started a career path and you feel dissatisfied with the job, you are just as lucky, and if you are seeking to advance at work or dealing with issues of perfectionism, then this is the right time to get this book. The book shares the work-like experiences of 25 successful women, revealing the various mistakes they have made, how they dealt with it, the lessons they learned, and most importantly, how they move on.

Finally, everyone should read “Who Moved My Cheese?” It’s a book that explores how we all react differently to change. The book is written in a simple narrative of a story being told among friends and would enlighten you on how to look out for change at work, your relationship and in life. It would also of mind you on the need to prepare for change and most importantly how to move on when change does happen.
If you have not read any of these books, you should start with Who Moved My Cheese. If you have read some of the above-mentioned books, then good for you, it’s time to read the rest.

Visit www.pagefinancials.com for more financial advice at no cost and for quick funding to sort out the emergency needs.

I remember when I was an undergraduate, I would visualize how I would get a job immediately I am through with my NYSC, and how I would move out to my own apartment, maybe get a car as soon as my salary becomes fatter which I also thought should increase significantly every year. But for many new graduates like I was, the truth about money became a shock to me as soon as I graduated.
Many new graduates have been told and have come to accept the taught that having an education would guarantee an immediate job and a fat salary which would begin to flood in immediately you start working. Although that is true to some extent when it comes to money, new graduates might have a harsh reality to face.
Therefore, if you’re a new graduate, here are some money truths you’ll need to face, so be prepared for it.

Don’t expect your pay to be great
This is the first problem most graduates have and it leaves them shattered when they are offered a pay that is lesser than what they have imagined, especially when they have graduated from a prestigious University. They assume because their University is of a high standard and probably the best in the country, then that would guarantee them an immediate job with a high salary. Don’t get this wrong, high starting salaries are possible, but might not be available in the field you intend to work in and this is where your passion to do what you love regardless of the pay would be needed.
But for the majority of people graduating, they’ll start at an entry level with an entry level salary and have to work their way up the pay scales. So don’t get your hopes up when you get started.

You can’t have it all
It’s funny how a lot of graduates feel they need to live in a big apartment in the best part of the city or drive a nice car once they start working. Although some graduate already enjoys this luxury because of their parents. If you do not have that luxury, you must learn to cut your coat according to the fabric and not your size. Living the exact lifestyle you want immediately after graduating is very unrealistic, it would take time as luxuries cost money. And as a new graduate, there’s a good chance you won’t have much saved to afford all these luxuries. You might consider taking a loan from a financial institution since it usually requires no collateral, but don’t make the mistake of taking too much.

Saving is tough[b][/b]
The truth is, saving can be tough for any young adult, especially if you’re trying to settle into the work and career path. If you’ve moved away from home it can be harder since most of your income will go towards living expenses.
Start off by reminding yourself that this is not the time to splurge, remember you now have bills to pay, and that includes the renewal of your house rent. Start by stating your long and short-term goals, and the priority should be on saving for your house rent. If you know you might need to move out to a better place, you should also consider the cost and start saving for it. Before now, you just call mum or dad when a financial emergency arises, but now that you are independent, you have to set aside some amount of money for when the unexpected happens.
Finally, the truth is that you would face unique money challenges at all stages of life, so it’s important to set up a good saving habit early. Things would be easier when you take control of your finances.

To be honest, as a young adult, I was terrified of investing, it sounded far-fetched like it’s something I should leave to older people who do not have so many responsibilities and therefore can afford to lose it all. Although I knew that the earlier I started investing, the more money I would have saved over time. The good news is that it’s never been easier to invest. These days, you can get professional advice at no cost.
A while ago, I was so excited to start investing after a professional investment sales agent was able to win my heart with the interest and other attractive benefits, that I would have asked where to sign up immediately, but my unbelieving Thomas was there to caution me. Not that signing up right away was a bad idea, but I had to take my time to understand the steps to take before I start investing and here they are;

Educate yourself
Before you start investing, it is advisable you take the time to educate yourself about the basics of personal finance. This is not suggesting that you take a course or start a paid class on personal finance, but merely reading books on personal finance would give you the basic foundation with which to start with. For instance, “The Intelligent Investor" (1949) by Benjamin Graham is one of the oldest books on investment but the lessons are still very applicable now. Reading books written by successful investors on investment is a god way to get started about all it really takes to start investing. Reading would also give you more confidence about your money and why you should start investing as soon as possible.

Pick the right strategy
When it comes to investing these days, you have a lot of options, but most beginners tend to choose one of these two:
Invest in mutual funds with their bank or an investment firm.
Start investing on their own with an online brokerage.
There’s nothing wrong with any of the above choices, so you really need to figure out what works best for you.
Although for a beginner, investing with a financial institution is usually the best option because investing on your own would be quite overwhelming for a beginner.

Be patient with it
For many new investors, emotions may affect their decisions. It’s really easy to question your choices when you just deposited a large chunk of your money to start an investment. You might also become worried when the value on your investment seems to be decreasing especially when you are investing in the stock market. As earlier stated, it’s best you leave it to a financial institution to handle it for you. This way, the initial interest in your investment would not decrease no matter what happens in the stock market.

Finally investing doesn’t need to be scary, all you need is to visit a financial institution like Page Financials if you feel you cannot do it alone at no cost.

Accessing quick personal loans to sort the bills and make emergency payments, has taken a better dimension with financial institutions like Page Financials giving out collateral-free and guarantor-free loans of up to N5million.
The most interesting part of getting a quick loan from Page Financials is that it could be disbursed in 3 hours after proper application and approval of your loans!
And you don’t have to worry about paying immediately because you can spread your repayment plan from 3 months to 12 months making life even easier.
Would you like to get a quick loan now, visit www.pagefinancials.com to get those needs sorted right away!

Living in Lagos comes with unexpected expenses that are almost unavoidable all through the year and that is why you should know the right place to visit when an emergency need for money arises.

At Page Financials, you can get a loan of up to N5, 000,000 in less than 3 hours provided you are a salary earner living in Lagos.
So whatever the need may be school fees, emergency medical fees, expensive car repair, new car, new home or a travel loan, just visit www.pagefinancials.com for a quick cash loan or call 01-6317243 to get those needs sorted right away.

The Truth about Money for New Graduates

I remember when I was an undergraduate, I would visualize how I would get a job immediately I am through with my NYSC, and how I would move out to my own apartment, maybe get a car as soon as my salary becomes fatter which I also thought should increase significantly every year. But for many new graduates like I was, the truth about money became a shock to me as soon as I graduated.
Many new graduates have been told and have come to accept the taught that having an education would guarantee an immediate job and a fat salary which would begin to flood in immediately you start working. Although that is true to some extent, when it comes to money, new graduates might have a harsh reality to face
Therefore, if you’re a new graduate, here are some money truths you’ll need to face, so be prepared for it.

Don’t expect your pay to be great
This is the first problem most graduates have and it leaves them shattered when they are offered a pay that is lesser than what they have imagined, especially when they have graduated from a prestigious University. They assume because their University is of a high standard and probably the best in the country, then that would guarantee them an immediate job with a high salary. Don’t get this wrong, high starting salaries are possible, but might not be available in the field you intend to work in and this is where your passion to do what you love regardless of the pay would be needed.
But for the majority of people graduating, they’ll start at an entry level with an entry level salary and have to work their way up the pay scales. So don’t get your hopes up when you get started.

You can’t have it all
It’s funny how a lot of graduates feel they need to live in a big apartment in the best part of the city or drive a nice car once they start working. Although some graduate already enjoys this luxury because of their parents, if you do not have that luxury, you must learn to cut your coat according to the fabric and not your size. Living the exact lifestyle you want immediately after graduating is very unrealistic, it would take time as luxuries cost money. And as a new graduate, there’s a good chance you won’t have much saved to afford all these luxuries. You might consider taking a loan from financial institutions since it usually requires no collateral, but don’t make the mistake of taking too much.

Saving is tough
The truth is, saving can be tough for any young adult, especially if you’re trying to settle into the work and career path. If you’ve moved away from home it can be harder since most of your income will go towards living expenses.
Start off by reminding yourself that this is not the time to splurge, remember you now have bills to pay, and that includes the renewal of your house rent. Start by stating your long and short-term goals, and the priority should be on saving for your house rent. If you know you might need to move out to a better place, you should also consider the cost and start saving for it. Before now, you just call mum or dad when the financial emergency arises, but now that you are independent, you have to set aside some amount of money for when the unexpected happens.

Finally, the truth is that you would face unique money challenges at all stages of life, so it’s important to set up a good saving habit early. Things would be easier when you take control of your finances.
Although, you could be faced with emergency needs that you cannot handle, at that point, don't panic. Visit www.pagefinancials.com for a quick loan of up to N5million in less than 3 hours or less.

Importing fast selling goods is quite profitable, provided you already have a market waiting for it, if not it would be very difficult to sell it.
So, if you can get it right from the get-go with the right audience for your goods, then you are good to go. You should also know that it would require a lot of knowledge and the right contacts most especially with the import team. Although since it's from Amazon, you can rest assured that your goods are safe. A colleague ordered a camera from Amazon and in less than 3 weeks he got it here in Lagos without any stress what so ever. You just decide if you want to do a quick 7days delivery which is usually expensive but it would be handled by Amazon so you don't have to worry. But if you want a lesser delivery fee, the other alternative would be to ask a friend that is abroad to help you with the delivery. If it's in large quantity, your friend could help you send it through a cargo which usually takes 30 to 45 days. But the truth is you might end up paying almost half of what you would pay if Amazon is handling your delivery because of the customs officials at Nigerian ports.

Whichever way you decide to go about it, Page Financials would be there for you to help you with quick cash loans to make emergency payment for your goods. You could get a loan from N100,000 to N5million in 3 hours or less once your loan has been approved. Although loans are only applicable to salary earners living in Lagos.

If you would like to get a quick loan in Lagos, visit www.pagefinancials.com today.

This is a very great business if you can get it right from the get-go. You should also know that it would require a lot of knowledge and the right contacts most especially with the import team. Although since it's from Amazon, you can rest assured that your goods are safe. A colleague ordered a camera from Amazon and in less than 3 weeks he got it here in Lagos without any stress what so ever. You just decide if you want to do a quick 7days delivery which is usually expensive but it would be handled by Amazon so you don't have to worry. But if you want a lesser delivery fee, the other alternative would be to ask a friend that is abroad to help you with the delivery. If it's in large quantity, your friend could help you send it through a cargo which usually takes 30 to 45 days. But the truth is you might end up paying almost half of what you would pay if Amazon is handling your delivery because of the customs officials at Nigerian ports.

Whichever way you decide to go about it, Page Financials would be there for you to help you with quick cash loans to make emergency payment for your goods. You could get a loan from N100,000 to N5million in 3 hours or less once your loan has been approved. Although loans are only applicable to salary earners living in Lagos.

If you would like to get a quick loan in Lagos, visit www.pagefinancials.com today.