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For teenagers, the temptation to spend money is everywhere. From gadgets and gaming to trendy outfit with matching sneakers to hobbies and entertainment, it could be quite difficult for them to spend on what they really need.
Learning to make smart spending decisions could be difficult for teenagers who are just learning the phrase ‘money management’, especially since their world is filled with enticing ads for countless cool things to buy.
To help them understand how to manage their money, you need to help them with the following:

Differentiate between needs and want
Giving some guidance on how to identify needs from wants can help them learn to make smart spending decisions without overspending. While understanding needs and wants can be easy for you as a parent, it might not be so easy for a teen who isn’t used to having necessary expenses yet.
Explaining to your teens that a gadget that would improve their academic performance in school is more of a need than a new gamepad that is merely an upgrade to the one they already have now, would help them prioritize what to spend on and what not to spend on until maybe a visiting Uncle leaves them some extra cash.

How to build a Budget
As parents, you need to teach your teens the basic formula for building a budget. In order to do this in the most effective way, use your own budget to show them what you spend on, why and when. Define a budget as a list of goods or services to be paid for with a price on each item. Help them to know that when budgeting, the necessities like school fees, monthly grocery shopping, bill payments, medical check-ups and other necessities stays at the top of the list, while a new Ferragamo shoe or vacation holiday stays at the bottom of the list. This would help them better understand the difference between needs and wants.
Also, show them what income is spent on what or how you split your income to meet the various needs and wants. Ensure there is a price on every item to help them understand how you make decisions about what you can and can’t afford.

The Importance of Quality over Quantity
As teens, they probably do not understand the quality and value of most things. As teens, they might consider buying two similar items they don’t need or necessarily want simply because it’s at a giveaway price or it’s a buy one get one free promo. As adults, we are sometimes guilty of this too. We forfeit what we need, to buy more of what we don’t need just because it is cheaper at that moment.
When they understand that buying so many things they don’t need over one thing they need is only a waste of money, they won’t jump in the line to get an item they would not use.
They should also be thought not to forfeit one good item to get two of the same item but at a lesser value and quality simply because having two is better than having one.

Teach them how to Bargain
Most of the time, we learn how to bargain by watching our parents bargain. But sometimes we overspend accidentally thinking we’ve got the best deal because we don’t know the value of the item. Help them understand that it starts by knowing the worth of an item to be purchased and also by varying the price at different selling outlets.
For instance, before you purchase an item as a parent, you either ask of the price from someone that has that same item, and the worth of the item compared to the price. For your teens, they might not be able to ask all these questions from their friends, but with your help, they could check the products online at different shopping outlets and read reviews on the quality of the item while comparing the price before heading out to buy the item.

Whatever method you use to explain to your kids, just ensure you keep it straightforward and simple.

Being good with money isn't as hard as it seems. And no, you don't have to go to a special school or visit a financial analyst of a consultant all the time to know how to be good with money.

It’s all about doing four things well:

Spend Money well.
Yes, you read that right. This might seem like the opposite of what you were expecting. You could be thinking, ‘isn’t this what we should stay away from doing if we want to be good with money?’ or ‘Isn’t spending bad?’ Not at all.
Spending money is a key part of managing your money well, and I don’t mean it in the don’t spend it at all way. Figuring out how you’re currently spending your cash, and whether it’s making you happy and making life more comfortable for you, is the first step you can take to getting great with your money.
For instance, the other day at the store, you saw an improved version of a home appliance or gadget you use and it’s added functions are exactly what you need to make life more comfortable for you. Then, you check the price and you think it is too expensive? No, it’s not. Spending money on the things you need to make life more comfortable worth every penny, especially if it also gives you more time to do other important things.

Save money.
Saving is the key to all the big, fun, exciting things you want to do, whether it’s buying a house, getting the best car, taking a big vacation, the list is endless. And sure, it’s not the easiest thing to do, but there are strategies with added benefits you can use to get started no matter what you have. For instance, some financial institutions now allow you to save and earn up to 10% more on your savings. What else could motivate you more to start saving if not having more money when you start saving. It might be the drops you need to start gathering your ocean if you start saving today.

Make a budget.
Once you’ve got a handle on your spending and saving, this is the easy part, and budgeting doesn’t mean depriving yourself of anything and everything. It’s just a way to figure out how you’re going to use the money you have to live the life you want, usually on a monthly basis. Budgeting is more of prioritizing your spending, deciding what to buy first and what is not necessary until later.

Invest your money.
This is a non-negotiable, even if you’re convinced investing is too hard, or that you don’t have enough money, don’t worry Page Financials is got you covered. Investing your money is the best way to build wealth and retire rich, and there are totally approachable options available that you can start with as little as N200, 000 these days with a prestigious financial institution like Page Financials you can trust.

Getting good with money isn’t as difficult or out of the ordinary right? Start budgeting, spending, saving and investing now.

Working more than one job though not ideal can often be necessary as you may find yourself piecing together an income from several part-time jobs, or you may want to earn a little extra spending money on top of your regular paycheck. Extra income can help you save money for retirement, pay off debt, and bulk up your savings account.

In any case, learning how to handle two or more jobs requires some special considerations to help you manage your time and keep you from becoming stressed and overwhelmed.

Here are a few tips to help you achieve the balance you need;

1. Pursue work that builds your career
We strongly recommended choosing a freelance or side hustle closely related or in the direction of your career so your duties complement each other making the workload easier for you. If the side hustle is not directly related to your job path, it is important that at the very least it is what you love to do and does not require so much of your time. If the side job is not something you love and does not relate to your career path, you end up getting frustrated and it may begin to affect your performance.

2. Learn Time Management
One of the most important skills you will need in life is the ability to manage your time. You cannot get enough of it, but when maximized properly you are able to achieve more results within a short period of time.
Sometimes it may seem like you just have a lot to do, but one of the tricks to time management is the ability to prioritize using a to-do list that has the most important item at the top. Having a to-do list is cliché, but very effective. Not only will it guide you through what should be done, it also reduces the amount of task that would be left undone or forgotten.
Remember, "Failing to plan is planning to fail." Plan out your week ahead of time (schedules, checklists, to do lists)

3. Establish boundaries and abide by them
It is important to establish boundaries even before you start the job. You might think the more jobs you take on, the better off you’ll be, but stretching yourself too thin, leaves you burnt out with a possibility of jeopardizing your quality of work. While managing your time, set skills you are sure you can achieve within the stipulated period of time. Do not put a short time frame on a task that requires total attention and extra caution, that will only put pressure on you as you might want to finish right on time. Be objective and realistic with yourself when delegating roles to yourself.

4. Rest, relax and network
As self-explanatory as it is, people still hardly find the time to rest. There is a thin line between unproductivity and mental breakdown and that is lack of rest. When you have to shuffle between several activities without rest, not only will it result to unproductivity, you would also lack creativity. It may seem like you are doing just fine, but after a while, you just realize you have to do a simple task over and over again because you are tired and it’s beginning to affect your productivity.
Find time to relax, take a vacation and connect with new people. While you are at it, you could get more creative ideas on how to be better at work and achieve better results.

5. Save and Invest your extra money
Side hustles are meant to be temporary so don’t get too comfortable. Work, save or invest and grow. What would be the point of having a side hustle if at the end of the day it does not yield any tangible results? Learn to save and invest your extra money. Saving might seem regular to you but with millennial financial institutions like Page Financials, you could earn up to 10% more on target savings plan so you have more after a period of time. Investing might also seem far-fetched, but it’s worth it when you know the right financial institutions like Page Financials that could give you up to 20% on your investment plans.

And if your side hustle is something you would love to do full time in future, you could get a quick loan of up to N4million from Page Financials to set up your business while you are still working, in order to have a smooth transition.

Above all, it is important to stay focused on what works best for you, your time and your effort.

An investment is an acquisition of an asset, whether physical or monetary, with the goal of generating income or appreciation. We believe that there are basic rules and theories that a person must be aware of before deciding to commence his investment journey regardless of the industry he intends on investing in. However, it is in your best interest that we disclaim that these are simply predictions based on past occurrences and are not, and should not be taken as a 100% guarantee.

If you are a new investor or plan on entering the market in the near future, here is a list of popular misconceptions investors have prior to their involvement, aligned with their corresponding realities:

Expectation: It is hard to get started
Reality: We know that if you've never invested money before, it can seem intimidating and you probably do not know where to begin. But the reality is that it's never been easier to get started with investing, mostly because we now have expert financial institutions with better investment plans you could trust. To get started with your investment plans, visit here.

Expectation: I only need to invest when I am older and have large amounts of wealth and disposable income
Reality: The saying “there’s no time like the present” has never applied more in this scenario better than this. You do not need to wait until you are a certain age before you start investing. According to Warren Buffet, his first investment was at the age of eleven. The most important thing is finding the right financial institution with the adequate expertise needed to invest whatever you have no matter how little it may seem to you.
Depending on which point in life you are at, choose an investment that suits your needs.

Expectation: I need an investment consultant, and they are expensive.
Reality: While a professional investor has the knowledge about the stock market, you don’t need to pay for consulting a professional investor anymore. There is no guarantee in the investment market sometimes, so it is possible, with a high chance that a financial advisor can recommend a stock that can lead you to lose money. According to S&P Global, 87.5% of active funds run by money managers have underperformed the market.

You’ll also find it in interesting to note that financial institutions like Page Financials, offer investment plans that allow you to earn up to 20% more on your investment, without extra charges for their consultancy services.

Expectation: Emotional investing is just important because when you feel it in your gut, it’s a good investment
Reality: One of the worst times to make an investment decision is when your emotions have been affected by something in the media or your personal life. When people invest based on events such as elections, divorces, deaths, recessions or other emotionally stimulating activities, it usually turns out to cost them a lot of money. This is why having an unbiased third party, who is not subject to the same emotional persuasions, can be of great value.


Expectation: I only want to invest only in well-known brands that I am familiar with as that would ensure maximum returns
Reality: There is a frequent misconception that the dividend returns of a company are directly related to the popularity of the company, such that a potential investor will only be interested depending on their popularity ranking,
While there are advantages of investing in your favorite brands, limiting your investment portfolio in this way can put you at great detriment as they are mainly volatile shares, making you susceptible to sudden, unexpected changes in the economy. Instead, be open to considering brands that may not yet be household names, but have a sound foundation and a well-defined business case.

At best, the misconceptions above could cause investors to miss out on future gains in their portfolios. But at worst, such as in the case of collectively being too heavily invested in government securities, these misconceptions could end up causing losses in their portfolios.

What makes a honeymoon hotel worth it? For some couples, it's far-flung solitude and breathtaking views. For others, it's all about luxury and the royal treatment as they travel and then, of course, there's the growing number of newlyweds that seek live events, adventure and excitement over-pampering, rest and relaxation.
Whether you're after a low-key Caribbean island escape or an African safari adventure or something else entirely, here is a list of 5 best honeymoon hotels in the world.

1. Baros Maldives Resort
30 wooden water villas line a crescent boardwalk in the lagoon, and these are furnished with large four-poster beds and private sunbathing decks with daybed and loungers. It’s also home to Lighthouse, one of the loveliest Indian Ocean restaurants; open-sided, set over water and circular with tables dotted around the edge. A dinner date here will make you feel like you’re dining alone together in the middle of the ocean.
Baros Maldives resort remains number one on the list for a perfect honeymoon hotel and resort.

2. The Resort at Pedregal (Cabo San Lucas, Mexico)
Set on a long sweep of beach at the base of towering mountains, this dreamy resort on the Baja Peninsula of Mexico is as romantic as it gets.
Each of its 118 rooms features a roomy terrace outfitted with private hot tub overlooking the Pacific Ocean. Select casitas open directly onto the ocean and you'll feel like you're practically floating in open waters. And they boast private plunge pools and fire pits. The cliff-side restaurant El Farallón, with its divine sunset views, makes for an unforgettable date night.
Romantic offerings include candlelight dinners on a private sandbank, tantric couple’s massages and sunset champagne cruises.

3. Shangri-La Hotel, Paris (Paris)
There are countless honeymoon-worthy hotels in the city of love, but the Shangri-La might be the most romantic of them all. Behind its picturesque wedding-cake facade, you'll find impossibly lush landscaped gardens, two Michelin-starred restaurants and 101 opulent, antique-filled rooms. But what sets the Shangri-La apart from the others?
Its unparalleled views of the Eiffel Tower directly across the river. It's so close, it feels like you can reach out and touch it from your own veranda.

4. Royal Mansour (Marrakech)
Commissioned by King Mohammed VI, the Royal Mansour is an oasis of 53 elegant private residences, or riads, quiet courtyards and intimate restaurants just five minutes from the Jemaa el-Fna.
The riads are as extravagant as they come, strewn with suede and silk carpets, velvet brocade sofas and Baccarat crystal -- guests will feel as if they're living in their own private palace. Riads aside, honeymooners will love the hotel's sumptuous private spa suites, each decked out with their own hammam (bathtub), plunge pool and terrace.
To experience top-notch royal treatment, the Royal Mansour should be your to go destination for a more royal honeymoon experience.

5. Four Seasons Resort Serengeti (Tanzania)
When it comes to romance, the Four Seasons seems to get it right every time even in the middle of the wilderness. Its magnificent Serengeti property offers a vast menu of couples' offerings, from floating sunset dinners atop the desert-facing pool to burudika spa treatments using local plants and healing minerals.
Its 77 rooms are luxurious yet blend seamlessly into the environment with their thatched-grass roofs and neutral, earthy colour palettes. All have open-air sundecks and several even offer private infinity-edge pools that face directly out onto the watering hole.

Whatever the preference may be, one of these hotels and resorts destinations should be considered for the best honeymoon experience. The good part is, you don’t have to worry about the money, you could get up to N4,000,000 from Page to sort out the bills. The most important thing is to pick a destination and let Page pay the bills. Click here to get a quick cash loan now.

If you would be buying a car for personal use, luxury and aesthetics usually come first to mind and in most cases, you can afford to be a bit frivolous and self-centred. But when the vehicle is for the family, the first thing that should come to mind is the safety of your family. Thankfully there are a lot of cars that are designed with safety in mind without leaving out aesthetics.
Several factors come to play when getting a new family car, among them are these five questions you should ask yourself before buying a car, as it would help you focus on what’s important at the point of purchase.

1. Safety First
Nothing is more important than the safety of your family, so your research for a new family vehicle should make safety a priority. Cars like Volvo, and Hyundai are well equipped with a wide variety of electronic driving aid that foster safety, such as, adaptive cruise control with auto brake, blind spot detection (BSD), rear cross-traffic alert and lane departure warning, dual power side mirrors with turn-signal indicators, proximity key with push-button start, power height-adjustable passenger seat, auto-dimming inside rearview mirror with compass, manual rear side window sunshades, front LED fog lights among others. You also need to consider if it has the right seatbelts for your kids. If you are just starting a family and you have an infant, ensure the car has the right seatbelt for an infant. The same applies to older children also.
Cars with electronic driving aid for safety should be at the top of the list when buying a family car. Though they are usually expensive, that should not be a problem, you can always get a quick cash loan from Page. The most important thing is the safety of your family.

2. How Many Children Do You Plan to Carry?
The main purpose of getting a family car is mostly because of the kids. Therefore, consider very carefully how many children you plan to carry in your car on a regular basis. You might also want to consider planning for a friend’s kid or just an extra space for a visitor. This means any vehicle you choose must have a seat and a seat belt for each person you plan to carry in it. Statistics show that children who are properly belted in at the back seat are 26 per cent less likely to become fatally injured. If you have only one or two kids, a sedan might work fine, but if you have more than three kids, you might have to consider buying an SUV car or a Sienna car as it has enough space to take four to five kids with belts on each seat.

3. Can You Keep Everyone and Everything Comfortable?
While having seats for everyone and keeping everyone safe may seem like all you really need when getting your next vehicle, this is only the beginning. A little squeeze might be ok for short trips, but when you need to go on longer trips, you need to make sure everyone has enough space to be comfortable. You also need to consider the other items you and your family might need to take with you on long-distance trips, shopping, vacation etc. The car should have enough space to accommodate both your family and the baggage you need to take with you when the need arises without inconveniencing anyone. There should be pockets for snacks, drink, toys, cup holders and other things the kids might need on the trip.

4. Where do you live?
What environment does your family live in? Does it get flooded when it rains? Are the roads tarred? Are the roads damaged with potholes and ditches? Do you live in the desert where heat and dust are the major features of the climate? Is the weather favourable at all times for your car? Does it rain more than it shines? If you deal with rain or dust frequently, a vehicle with all-wheel-drive or four-wheel-drive is a good investment. If dirt and gravel roads are a staple of your environment, vehicles with additional ground clearance and suitable tires are needed. It's also wise to figure out what will actually fit in your garage or driveway.

5. How is the Vehicle’s Fuel Efficiency?
Finally, we all know just how expensive raising a family can be in this day and age. With this in mind, why would you even consider a family vehicle that did not get exceptional fuel economy? Not only will a fuel-efficient car be better for the environment, it will help keep more money in your wallet. Even if a more fuel-efficient vehicle costs you a little more initially, it will save you time and more importantly money in the long run.

With these tips in mind, acquiring the right vehicle for your family will be easier than you expect. Don't be scared of the price, you could get up to N4, 000,000 loans to get it sorted. No good thing should be kept on hold like the safety of your family. And remember, shopping for the family car can be a great bonding experience, so take the kids and have fun.

Festivals around the world that should be on your bucket list.

Not so many people travel for a vacation with the aim of experiencing a festival or carnival in another country. But if you are one of those travellers who love to learn new things, experience different cultures, and immerse yourself into the moment, then you are just in time to add to your bucket list countries you should visit to experience the magnificent beauty that is displayed at some festivals around the world.
In this article, you would discover the 5 World Festivals that are worth visiting. Not all of them would suit your preference for a festival or carnival that you would enjoy, but I am sure you would love to experience one or two.

Lollapalooza Music Festival
If you are looking to experience one of the best music festivals soon, then you should not miss the Lollapalooza festival this coming August at the Grant Park in Chicago. The Lollapalooza festival weekend would be one of your best experience yet this year. The event is an annual music festival featuring popular alternative rock, heavy metal, punk rock, hip-hop, electronic music band, dance, comedy performance and everything fun and funky all at the same time. If this is the type of festival that gets your adrenaline pumping, then get funded with a quick cash loan, because you don’t want to miss it this year.

Harbin Ice Festival, China
Have you ever imagined that the magnificent ice mansion built by Elsa in the Movie Frozen could be real? My guess is that you couldn’t have imagined that it could be real. But I can assure you that in China, during the Harbin Ice Festival that holds every January, you would see the most beautiful ice figures and castle, that could be as tall as 25 feet and even higher, and you would if you were just allowed to watch a scene from the Frozen 2.
China hosts the World’s largest ice festival and you would be amazed by the exquisite work by the artists who sculpt an entire castle and other ice figures out of ice block.
If this is your type of scene, then you should start target savings account to plan for your trip ahead. You should also know that the best time to experience the real beauty of this scenery is at night when the sculpted arts would be lit up so you could see how astonishing they really are.

Holi, the Festival of Colors
As a child, I used to think that the Holi festival of colours that was portrayed in most of the Indian movies was not real and they were only a part of the script that is intended to add some spice to the movie. Well, my thoughts were as wrong as yours if you also hold that thought. The Holi festival of colours that holds annually in March, is one of the most beautiful scenes you would ever experience. Even if you do not like to get dirty, if you ever attend the festival of colours you would fall in love with the idea of having different colours on your skin and cloth. If this is your type of scene, ensure you go with your own dye, and wear white. White because the blend of different colours on a coloured dress would not be as beautiful as that on a white dress.
If this is not the type of scene you would participate in but love to watch, endeavour to take some pictures of the scene. Not only will your phone fall in love with the colours, your friends would wish they went with you when they see the pictures later.

Lantern Festival Taiwan
In Taiwan, the light goes beyond just being light. Light is an art that comes alive. All over the world, the beauty of light has never been displayed as exquisite as in Taiwan. The magnificent display of light at the Taiwanese festival will make you speechless. You have to be there to feel the magic of a thousand lanterns ascending to the night sky. The celebration is held in the Pingxi District in Taiwan every year in March, and it is the biggest lantern festival in the world. During the last few years, the traditional festival has become more popular, and nowadays both locals and tourists participate in the launching of a thousand lanterns which are astonishing with their innovative and elaborate shapes and sizes. LED lights, laser shows, and colourful light bulbs have also become a part of this beautiful celebration. If you want to experience the wow effect of light, then this should be added to your travel bucket list.

Coachella Valley Music and Arts Festival
Asides from football, music is the second thing that brings people of different language, culture and background together, and Coachella Valley Music an Arts Festival happens to be one of those few events that get attendees’ adrenaline pumping way before the event. This is one of the year’s most anticipated and biggest music festival, not just for the world famous musicians that would be performing, but also the most anticipated for millions of people from all over the world that would be attending. Coachella festival week holds once in a year, usually in April in the Inland Empire’s Coachella Valley in the Colorado Desert.

If this is your type of festival, (definitely should be) ensure you plan to attend the Coachella Valley Music and Arts Festival with your friends next year. You could start a target savings plan now with your friends so you do not miss the biggest music festival week next year. Not only would you enjoy good music, you would also get to explore different fashion and art trends during the week of Coachella festival.

It’s important to know that not everyone has the luxury of time and wide budget to have an elaborate honeymoon. Which is why some couples save their big honeymoon for a holiday, for a more flexible time or even their first wedding anniversary. But that should not be a reason to jump right back to work come Monday. After such a major life event, it’s important to have a short honeymoon period that separates the ceremony, and all the hullabaloo from the start of your new life. You need some distance, even if it’s not so far away. Which is why a staycation honeymoon can be a perfect solution especially for those that have a short honeymoon leave from work.

A staycation does not necessarily mean you have to stay at home or within the state after the wedding. You could still travel to a nearby country and still enjoy a memorable staycation. It’s a staycation because you get to spend more time really being alone and getting to enjoy each other’s company. Unlike the regular honeymoon that has you going from one place to another and exploring everything around which is more like a vacation, a staycation is less stressful and gives you more time to just be together before getting back to work and life.
In order to make your staycation a special, memorable and fun one, this article gives some simple steps to help you achieve just that.

Step 1: Find a romantic hotel
Your staycation honeymoon lodging doesn’t have to be so far away. You should at least travel to a neighbouring country that has beautiful, romantic hotels. While planning the wedding, ensure you make adequate preparations for your staycation, no matter how close the country is to you. Ideally, you should book your flight and hotel ahead to avoid the stress of looking for a hotel. While you are booking your hotel, ensure you get the very best and perhaps the most luxurious hotel in the country of your choosing. When you get one, ensure you let them know you would be staying for a honeymoon. This would enable them to make adequate preparations to set the scene right for your honeymoon staycation.

Step 2: Turn off your phones.
This might seem tough to do, as you would want to stalk your wedding hashtags on Twitter, respond to the comments on your wedding pictures on Instagram, or check who just uploaded a video from your wedding on Facebook. Not only would it create an unnecessary distraction from the main purpose of spending time together, it would also give you room to begin to analyze and notice the fault in one of your pictures online. And while you are online, you could be tempted to respond to a friend’s comment or reply to some messages from Family and friends. All that would only ruin the fun and reduce the time you spend together. So this is the time to not just put the phone on silence but to turn it off. Also, try not to deal with the little everyday things, like calling your parents or sibling to check up on them as you might have been used to.

Step 3: Bust out your vacation wardrobe.
Even though you're not so far away or in an entirely new environment, you can dress as if you were far away. Wear a nice dress to dinner, buy a new bikini for the pool, and certainly break out the lingerie you amassed in all the pre-wedding festivities. Encourage your beau to dress as if he's on vacation as well.

Step 4: Enjoy some splurge meals and Spa.
Chances are you were on some kind of pre-wedding diet or at least watching your sugar, and fat ahead of the big day. So forget the discipline because you made it, the dress was perfect on you, so it's time for the reward. Make a reservation at one of the best restaurants you’ve been craving to try and top it off with a bottle of champagne. After the meal, you could take a walk around and enjoy the beautiful scenery of the night.
It wouldn't be a honeymoon without a couple's massage, at the very least, so head to the hotel's spa or a day spa in the area and pamper yourselves. Any tension left over from the wedding should be taken off totally before resuming back to work.

Step 5: Document it.
Just like you would if you were in faraway must-visit destinations, take pictures. You can share them later on social media when you emerge from your honeymoon cocoon to rejoin the real world and turn your phones on again. Every experience is what you make of it, so put your all into making a staycation honeymoon exotic, exciting and beautiful in its own way.

But if an elaborate honeymoon is what you are looking to experience and you don't have enough cash, then don't worry, let Page pay the bill with quick cash loan you can access in few hours.

It is easy to become overwhelmed when you enter the home buying market. Friends, family, colleagues, and even acquaintances will give you their opinions if you are a first time home buyer. While most of them are looking out for your best interest, they are not fully aware of what is happening in the housing market.
It is important for you to be prepared and have your own questions ready. No matter the other opinions you are getting, you are the one buying the home and your comfort level will help make your final decision. Here are two important questions to ask before you purchase a home.

1. Why am I Buying a Home?
Regardless of the finances, it is important to think about why you want to buy a home in the first place. Usually, the reasons don’t have to do with money. Instead, home buyers are focused on how the house will impact their family in the future. Usually, there are four major reasons people buy a home. Those reasons include schools for your children, a safe environment, more room for your family to grow, and control of your own space.
These factors are the most common reasons people look to buy a new home. When you ask yourself why you are looking to purchase a home, you can agree that two or three if not all, fall within the reasons why you want to purchase a home. It is important to spend time with your spouse or family members who are involved in this decision and determine why you want a home in the first place. Creating this list will help when searching for a home and would give your real estate agent the perfect picture of the type of home you are looking to buy.

While you are trying to list the reasons for buying a home, you should ask yourself the following questions:

• Is the house close to the necessary facilities? (Fire station, Hospitals, Police Station)
• Does the house have the right number of rooms to suit your needs?
• Are the building and roof structurally sound?
• What is the security level like?
• Are there any planned developments nearby?
• Does the property provide sufficient parking space?
• Is the property at risk of flooding?
• Where are the official property boundaries?
• Will you need to do any renovations?


2. What is the Trend with Home Values?
Currently, the real estate market is very strong. That means land and home values are rising. Even the most rural communities have come to realize how much value is in real estate and housing. If you are looking to purchase a home but want to stay within a budget, it may be in your best interest to move quickly. It is forecasted for these trends to continue in an upward motion, causing home values to continue to increase. Besides, trying to get a home within a slimmer budget would only give it more time to keep rising. Eventually, the home would be more expensive and below the value of the home that you really want for you and your family. And that is not the least of it. While you are on the look of getting a home within the budget, you would have to keep paying rent on the current apartment.

Bottom Line
You and your family are the only ones who can determine the right time to purchase your dream home. It is important to decide exactly why you want a new home for your family and decide on a budget that will be comfortable moving forward. This budget may affect the amount of time you have to search for a home, since home prices are increasing. Therefore, the best time to purchase the home of your dream is now. Not only because the price would keep going up, but, someone else could move in while you are still thinking about it. It would be wise to get quick funds now and get the home that is not just befitting for your family, but most importantly, you have made your dwelling an asset.

Very soon, your kids would be dropping the badge of being teenagers and would become young adults with the strong desire to explore the world on their own. Therefore it is important you plan a trip they would not forget before they become grownups ready for higher Institutions. Planning the best holiday that everyone would enjoy could be a lot of work, as they have to be tailored to match everybody’s desires including yours.
In order to make the decision process easier, here is a list of places you should take your kids to before they go off to college.

Paphos, Cyprus
Situated on the south-west coast of Cyprus, Paphos is the ideal holiday destination for families seeking sunshine, relaxation and sightseeing adventure. While in Paphos you will find something to interest you in one of Paphos' twelve museums. And just two miles beyond Paphos is the Tombs of the Kings, which is recognized as a UNESCO World Heritage Site. For sports enthusiasts, Paphos offers a variety of water sports and has three golf courses. The kids can go horse riding, cycling or even hiking in the nearby countryside. From the attractive harbor with its medieval castle, you can enjoy a trip on a catamaran or perhaps a speedboat. If you want to do some souvenir shopping before you go home, Paphos is the perfect place for it. Already in love with Cyrus? Get quick funds from Page and begin the travel process to one of the best experience for you, your spouse and your kids.

Toronto, Canada
Toronto, Canada is one of the countries around the world that has something for everyone. A suitable place for a honeymoon, solo-traveling and of course a family vacation. Toronto also offers great sites, museums of natural history, shows, concerts and events that make it adventurous for the kids and fun for you as parents. After feeding your mind in the Natural History and the World Culture galleries, it’s time to hit the streets and feed on good Ontarian soul food. Toronto is one of the most culturally diverse cities in the world, making it a gastronomical melting-pot for food and culture. If this is the type of experience your kids would love, get quick cash and book your trip now for one of the best experience for your family.

Sine-Saloum, Senegal
A pirogue ride to discover the fauna hiding in the mangroves on the Saloum Delta
The Saloum Delta, just north of the border between the Gambia and Senegal, is where the Saloum River’s veins throw themselves across the land towards the North Atlantic Ocean. The quantity of slow-flowing salt water is accompanied by a rich biodiversity that is unique to this part of the country and protected by UNESCO. Start the family’s Senegalese introduction in Djiffer, a fishing village situated on the extreme tip of Sangomar, at the entrance of the delta. Locals huddle around the colorful fishing boats coming in with today’s catch of shells and fish. A stroll through the streets gives way for discovering humble homes under the shade of small baobabs and coconut trees swaying to the rhythm of the pirogues. Lodge in Toubacouta, where you can choose from fine hotels like the Keur Saloum or Domaine Les Paletuviers. By the banks of the river, you’ll have no trouble finding excursions aboard pirogues to explore the many nearby mangroves. Not only would your kids love the experience, they would also get to learn bits of French from the locals around.
You could also decide to explore other countries in Africa, Europe or North America, the most important thing is Page is got you covered with quick cash loans you can access to explore any country of your choice.

Underrated Beaches You should Visit this Summer

Nothing can beat the scene of you waking up to see the sun rise unapologetically from the horizon of the sea. Or how else do you wish to end your day, than to sleep off watching the sunset with the waves of the ocean singing you a lullaby. Your imagination is as beautiful as mine right now.

Like they do say, the best the kind of therapy is the beach therapy, to feel the wet sand between your toes and have a perfect sun lounge when you want to. But all that could be a nightmare when you have to struggle to get a sun lounger, or when every other person is in your perfect view of the ocean, it becomes less of the vacation when it seems like half the world is at the same place. And this is what happens when you go to beaches that everyone is talking about. They become overrated.
While these beaches are truly beautiful, like the Pink sand beach in the Bahamas, or Cancun beach in Mexico, or the ever beautiful, Ibiza beach in Spain, there is no doubt that the crowd can ruin the adventurous vibe.
But before you get over excited about visiting some of these beautiful but overrated beaches, try and take a look at some underrated beaches that are as amazing as the mostly rated beaches around the world.

Second Beach (Washington)
If you will be visiting the United States this summer, the three outstanding beaches on this Olympic coast of Washington must be on your bucket list. While you will get a quick access to the first beach, you should note that it is usually a crowded spot, and you would need to walk a mile and hike through a thick, dense forest trail to get to the third beach, (which of course is an interesting adventure and view if you feel like it), but the second beach is just in between and right.
But overall, they are closer to the Quileute Indian Reservation, Washington, where you would find lush green trees, a fantastic wildlife closer to the seashore and hike via the awning forest. You will also hear a sound of waves increasing in volume before watching the first sight of the sea, and this first view will leave you breathless. If this is your type of beach and scene, then get quick cash loan from Page to book your flight now.

Cumberland Island Georgia
Another beach you should visit while in the United States is the Cumberland Island in Georgia. If you want to experience one of the wild unearthed beaches, then Cumberland Island is the right place to visit. It is only 18 miles of pure dunes, woodland, and marshes. The most incredible feature of this deserted heaven is the wild horses that you can watch wandering near the beaches. These spectacular creatures enjoy their day cheerfully as compared to the visitors who come there. The Cumberland Island is a perfect place if you would like to enjoy some alone time or a private time with bae. If your wedding anniversary is coming up soon, and you are not sure of your destination yet, this would be a good experience for you and bae. Get quick cash to book your flight here.

Curacao
Curacao is less crowded with travelers as compared to other beaches in the Dutch Caribbean. It is known for its best weather which is nearly perfect for 365 days a year. This island has not only one beach but almost 35 fantastic beaches that are less explored by travelers. Additionally, due to the frequent trade winds, it is an ideal location for windsurfing. The hot water creates a perfect condition for the scuba divers who mainly prefer their trip underwater. Few beaches are nearby to museums, restaurants, monuments, shopping, and resorts. However, others are situated in the hidden areas surrounded by miles of pristine nature. It is the best-preserved secret of the Caribbean that just need to be discovered. Already in love with this Island, get quick cash from Page financials here.

Ibo Island
If you are Nigerian, I can guess what you are thinking. But no, this island is not in Nigeria but in Mozambique. This magical island is almost invisible when you look at it on a map, but you will find many untapped regions where you will enjoy some tranquility with nature. If you just feel like staying within Africa, try visiting Mozambique for your next vacation. This island is overlooked in Africa due to the more popular wildlife, but I can assure you that this destination is rich in culture and biodiversity. There are exotic species of birds that would surprise you with their chirpings and also a graceful sight of mangroves. You can also enjoy aromatic sailing to the hidden white sandbank island between the seas.
For a memorable dream trip, just take a dive in the coral islands, swim with the planet’s intelligent creature dolphin, and take a glimpse of marine life in the shiny crystal clear water. It is real tropical heaven where you will find all palm, frangipani, bougainvillea trees and most things beautiful nature has to offer. Already in love with this Island, get quick cash from Page financials here.

Pyla Sur Mer, France
It is no myth that when one is thinking of a vacation or a getaway destination, France is usually on number one to five on the list. If France is, however, your choice of a country this summer or for your next vacation, you should please visit the beaches in Pyla Sur Mer in France. Pyla-sur-Mer is a seaside resort on the Atlantic coast, in Gironde, on the west coast in the south of France. This incredible beach is roughly an hour from the city of Bordeaux. It boasts the highest sand dune in Europe (dune du Pilat), which stretches for a mile and a half of gorgeous white sand and rises 360 feet above the Atlantic. Not only is the sight beautiful, but the beach is serene, a perfect place for couples to visit.
However, it’s only a matter of time before these destinations begin to appear on every traveler’s bucket list of places to visit when they travel. It is best to explore and enjoy the view and serenity attributed to these destinations before they become overpopulated like the highly rated beaches.
If you would love to travel for a vacation, getaway, or summer but don’t have enough cash for it at the moment, don’t worry, you can travel with ease with quick cash loans from Page. Remember, these destinations are best explored sooner rather than later.

How To Be motivated At Work

Doing the same thing repeatedly every day can become exhausting and boring after a while, especially when there are little or no challenges or creative tweaks to the job description. These among many others are reasons for lack of motivation at work. Lack of motivation towards work makes it uneasy to get up to work every morning. But is also good to note that, lack of motivation at work is normal from time to time.
If I’m to define motivation in urban language, I would say, motivation is the vibe that enables an individual to take some actions in order to achieve some set goals. Motivation at work is, however, the energy an individual put into work in order to achieve stated goals.
The amount of energy an individual is able to put to work will determine the level of result he or she is able to achieve within a period of time. Without motivation towards work, it becomes quite difficult to achieve the set goal within a stipulated period of time.
An employee lacks motivation at work because of one of the following;

Unstructured Work Environment:
When an employee works in an unstructured environment, he or she tends to receive a lot of unspecified to-dos. This means the job description of the employee is most likely going to be unstructured. In this scenario, the employee may be given tasks that are vague in description and does not match the skills of the employee. An employee can be overworked because there is no structure to check what the employee is meant to be doing at a given time. Employees that find themselves in this situation are usually not motivated to work.

Inadequate Job skills:
An employee is more committed to doing the work they are certain they would succeed at. An employee is motivated to work better when they feel prepared or trained for the job. When an employee is often given tasks he or she is not fully trained to do, such an employee find it difficult to succeed and thus makes it difficult each day to get motivated to work.

Routine Task
It is very normal to get bored once in a while when an employee is given the same task over and over again, with no new challenges or creative tweaks that help displays employee’s different skills. In this case, tasks are done with so much levity and no extra effort to do it better. Employees that find them, in this case, is the case are usually not excited about work and thus struggles to get motivated at work.

Lack of Feedback
This is another reason why employees lack motivation at work. When employees work and don’t get any feedback from their superior, it makes them feel they have been working in a vacuum. Feedback whether positive or negative allows employees to know what they are doing right and should continue to do and would also expose them to what they are not getting right yet. Feedback opens employees up for improvements, and this motivates them to work better.

How to be Motivated at Work;

Spice up your routine Once in a while:
In cases where employees are tasked with the same routine every day, a little tweak that does not change the result of the task can be added to work. For instance, a financial analyst that just report numbers every day can decide to add colors, images, charts, graphs for the presentation. This allows employees to be creative while working and help them look for new ways to make the next presentation look good. So even if it’s just numbers, they are beautiful numbers.

Take 10-15 break once every 1-3 hours
In a situation where the employee feels overwhelmed with work, lack of motivation is just a few steps away. It is, therefore, necessary to have a break from work when the employee is relieved a little bit. An employee can either take a short work within the premise of the work environment, flip through the pages of an interesting magazine, read few lines of an interesting novel or any other thing the employee finds interesting that is totally off work. This will not only keep the mind relaxed but open the mind to creative ideas that can be applied to work.

Take a Leave and Travel
Working for a long time without any break can be very draining, leading to lack of motivation towards work. Sometimes an employee needs to retreat to a new environment for a couple of weeks to refresh. Taking a work leave does not just relaxes the body, it also refreshes the mind. Going somewhere different, seeing new developments, culture, technology, opens up the mind to new ideas and creativity. Take a travel quick cash loan with ease from Page.

Create a comfortable work Space
If possible, personalize your workspace to suit and boost a positive state of mind. Employees are more motivated at work when their workspace is more comfortable and soothes their personal design. Some employees like to have and see something interesting from time to time like, a small fish bowl on their desk or toys like rube cube, stress balls. Etc.
Whatever works for you as an employee is fine, in as much as it does not impede the concentration of others and it aids your motivation to work.

Since the global recession in 2008, a lot of people began to view investment as a more righteous definition of gambling and as such are very doubtful about investing. When the topic of investment is brought up, people usually assume that the only legal forms of investment avenues are mutual funds, bonds, and the stock market.

Fortunately, financial institutions have been able to explore and make available other investing pathways that majority, (especially an average Nigerian) are not familiar with.
From the timeless book that goes as far back as 1926, The Richest Man in Babylon, one can extract different investment opportunities that are applicable to this recent time.
Below are some lessons in this book that has helped many people become financially stable and wealthy and I believe these lessons will help all of us build a firm financial foundation on our way to becoming the richest person we can become.

1. Pay Yourselves First (“A part of all you earn is yours to keep”)
One of the greatest lessons the book has taught is this first lesson. If you have not read this book, you might begin to assume this means, keeping some money to splurge on yourself. That is, in fact, the exact opposite. Paying yourself means saving a particular percentage of your earning (salary) to be unspent for as long as it can. This is the first and foremost way of accumulating wealth. Fortunately, some financial institutions have made it even better with target savings options that allow you earn up to 10 percent of your savings after a period of time. So rather than just leaving your money where it would not grow, you could earn more by opening target savings account with a competent financial institution. Keeping a part of all you earn would help you greatly as it could be used as an emergency fund during the rainy day. You don’t want to imagine not having funds when you need it the most.

2. Make your money work for you. (“Make thy gold multiply”)
This already suggests investment. While you could earn up to 10% on target saving, when you invest with qualified financial institutions, you could earn up to 20% on a fixed deposit investment. The difference here is, while you could decide to take out of your money from your target savings, you might not be able to do that with a fixed deposit investment. Fixing your money for a longer time allows it to grow more. There is nothing as good as knowing your money works harder than you do.
You might begin to wonder which one to do first, or which is more relevant, but that should not leave you confused. To make investing work better for you, you could convert your target savings funds after you have been able to accumulate it into a meaning sum and then make it work even better for you when you further invest it.

“…put each coin to work so that it may reproduce its kind even as the flocks of the field and help bring to you more income, a stream of wealth that will flow constantly into your purse.”

3. Track Your Wealth. (Know where you are and where you are going.)
“You cannot manage what you do not measure.” – Bill Hewitt (co-founder of Hewlett Packard)
Before now, when people invest they do not take the time to properly monitor their investment. Most of the time this exercise seems tough, especially for those that do not enjoy calculating or dealing with numbers. Notwithstanding one should from time to time, monitor and measure their financial growth to know where they stand financially. This is another benefit Page offers to their various clientele. As an investor with Page, you would have access to view your investment plans whenever you like. You also get to enjoy adequate expertise on how to make your money work even more for you.
Remember, “Gold clings to the protection of the cautious owner who invests it under the advice of men wise in its handling”. There is no better place to invest your money other than with Page Financials.

The journey to financial success and wealth-building is not an option available to only those with a large sum of money, but rather it’s something everyone ambitious for financial success should be involved in. And when it comes to wealth building, nothing comes close to investment.

However, since the global recession in 2008, a lot of people began to view investment as a more righteous definition of gambling and as such are very doubtful about investing. When the topic of investment is brought up, people usually assume that the only legal forms of investment avenues are mutual funds, bonds, and the stock market.

Fortunately, some financial institutions in Nigeria have been able to explore and make available other investing pathways that majority, (especially an average Nigerian) are not familiar with.

From the timeless book that goes as far back as 1926, The Richest Man in Babylon, one can extract different investment opportunities that are applicable to this recent time.

Below is an important lesson from this book that has helped many people become financially stable and wealthy and I believe this lesson would help all of us build a firm financial foundation on our way to becoming the richest person we can become.

Make your money work for you. (“Make thy gold multiply”)
This already suggests investment. While you could earn up to 10% on target saving with Page Financials, when you invest with Page Financials, you could earn up to 20% on a fixed deposit investment. The difference here is, while you could decide to take out of your money from your target savings, you might not be able to do that with a fixed deposit investment. Fixing your money for a longer time allows it to grow more. There is nothing as good as knowing your money works harder than you do.

You might begin to wonder which one to do first, or which is more relevant, but that should not leave you confused. To make investing work better for you, you could convert your target savings funds after you have been able to accumulate it into a meaning sum and then make it work even better for you when you further invest it.

“…put each coin to work so that it may reproduce its kind even as the flocks of the field and help bring to you more income, a stream of wealth that will flow constantly into your purse.”

The journey to financial success and wealth-building is not an option available to only those with a large sum of money, but rather it’s something everyone ambitious for financial success should be involved in. And when it comes to wealth building, nothing comes close to investment.
However, since the global recession in 2008, a lot of people began to view investment as a more righteous definition of gambling and as such are very doubtful about investing. When the topic of investment is brought up, people usually assume that the only legal forms of investment avenues are mutual funds, bonds, and the stock market. Fortunately, financial institutions have been able to explore and make available other investing pathways that majority, (especially an average Nigerian) are not familiar with.
From the timeless book that goes as far back as 1926, The Richest Man in Babylon, one can extract different investment opportunities that are applicable to this recent time.
Below are some lessons in this book that has helped many people become financially stable and wealthy and I believe these lessons will help all of us build a firm financial foundation on our way to becoming the richest person we can become.
1. Pay Yourselves First (“A part of all you earn is yours to keep”)
One of the greatest lessons the book has taught is this first lesson. If you have not read this book, you might begin to assume this means, keeping some money to splurge on yourself. That is, in fact, the exact opposite. Paying yourself means saving a particular percentage of your earning (salary) to be unspent for as long as it can. This is the first and foremost way of accumulating wealth. Fortunately, some financial institutions have made it even better with target savings options that allow you earn up to 10 percent of your savings after a period of time. So rather than just leaving your money where it would not grow, you could earn more by opening target savings account with a competent financial institution. Keeping a part of all you earn would help you greatly as it could be used as an emergency fund during the rainy day. You don’t want to imagine not having funds when you need it the most.

2. Make your money work for you. (“Make thy gold multiply”)
This already suggests investment. While you could earn up to 10% on target saving, when you invest with qualified financial institutions, you could earn up to 20% on a fixed deposit investment. The difference here is, while you could decide to take out of your money from your target savings, you might not be able to do that with a fixed deposit investment. Fixing your money for a longer time allows it to grow more. There is nothing as good as knowing your money works harder than you do.
You might begin to wonder which one to do first, or which is more relevant, but that should not leave you confused. To make investing work better for you, you could convert your target savings funds after you have been able to accumulate it into a meaning sum and then make it work even better for you when you further invest it.

“…put each coin to work so that it may reproduce its kind even as the flocks of the field and help bring to you more income, a stream of wealth that will flow constantly into your purse.”

3. Track Your Wealth. (Know where you are and where you are going.)
“You cannot manage what you do not measure.” – Bill Hewitt (co-founder of Hewlett Packard)
Before now, when people invest they do not take the time to properly monitor their investment. Most of the time this exercise seems tough, especially for those that do not enjoy calculating or dealing with numbers. Notwithstanding one should from time to time, monitor and measure their financial growth to know where they stand financially. This is another benefit Page offers to their various clientele. As an investor with Page, you would have access to view your investment plans whenever you like. You also get to enjoy adequate expertise on how to make your money work even more for you.
Remember, “Gold clings to the protection of the cautious owner who invests it under the advice of men wise in its handling”. There is no better place to invest your money other than with Page Financials.

Important Questions you should ask yourself before getting a quick cash loan from Page Financials.

Dreaming of a new car? Or you need a little extra money for your fairy-tale wedding or you are planning to start a family? A personal loan could be the exact financial solution you need to meet your desires.

A personal loan is, in essence, an unsecured loan that you get on the basis of your credit and income — unlike secured loans which require collateral. Taking out a personal loan can be a big decision to make, so we have comprised a list of 5 things to consider before applying – to make sure you are getting closer towards your dream.

1. Do I meet the requirements to qualify for a personal loan?

The first thing to consider is whether or not you meet the minimum requirements to qualify for a personal loan. The basic requirements when applying for a personal loan with Page are:

· You are between the ages of 22 - 55

· You are employed and have a regular income

· You are a permanent resident of Lagos

· Accessible details of your current financial situation

2. What is my Credit History?

Before applying for the loan, you should check to confirm that you have a good credit score in order to know the likely prospects of getting the loan sanctioned.

3. Why do I need this loan?

This refers to the intention for which you are applying for the loan. Personal loans are made available for genuine needs like marriage, travel, buying a car, hospitalization and other personal needs. But if you wish to obtain the amount and invest it in stocks or commodities in order to generate a higher return by speculating, then it is highly not recommended. Rather invest your already existing income so you are not using your interest to repay a loan.

4. What are the terms of my loan?

Some loans come with specific terms in case you miss or default on the loan. It is important that you fully understand these terms and follow through with them. Abiding by the terms of your loan agreement improves your credit score and encourages the lender to trust you. This means that you can return to reapply for a loan at a better rate.

5. How quickly can I repay my loan?

When taking a loan, always factor in your repayment amount and duration. Ensure that the tenor of your loan is convenient for you to still be able to make your repayments and meet other financial obligations. If you overstretch yourself with a short tenor and higher repayment amounts, this might lead to a default which in turn damages your credit score.

Ready to apply for a loan? Get a quick cash loan in Lagos with Page Financials, click here to start.

Now that Beau has proposed, What Next?

Let me guess, it’s been a few days now after beau proposed to you, and you wake up every morning to stare at the rock on your middle fingers, and next, the little butterflies in your belly doing a happy moonwalk. Awwwn. How romantic. Now, what next?
Before you get overwhelmed with the planning of the wedding, let’s go through four important things you need to do next in order to avoid being a bridezilla on your day.

Start a Wedding Plan ‘Alone’
Planning a wedding is not as exhausting as most think it is, but the first thing you need to do is, find some time to plan your wedding alone. One of the mistakes ladies make is to start off by planning their wedding with their friends and family members. You will eventually plan the wedding with them but first, you need to put down the things you want. Think about the venue, do you want an outdoor wedding or indoors? The colors, the type of cake, the type of dress you want, your entrance song, your first dance song, the theme of the wedding, the makeup you want, the guest size, the honeymoon destination, and most importantly your budget. Fortunately, you have every business and vendor online, you can just check them out to decide who will do the makeup or design the dress, etc. The reason why you need to do this alone is that you get a clear picture of what you want before every other person shares their ideas with you, which can now be tweaked to align with your plans where necessary. This way you don’t begin to plan a carnival because you want to include everyone’s idea. At this stage, you also need to decide if you will be consulting the vendors you would need directly, or if you will assign some roles to some friends and family members, or if you will just give it all to an event planner to execute.

Share Your Plans with Beau and Everyone Else:
Before now, you should encourage your beau to also have a solo wedding plan. Although most men are not really bothered about the details of the plan, if beau is interested in the details, then he should also have his plans ready, then both of you can agree on what you want for your wedding and most importantly the [url=https://pagefinancials.com/blog/Inspiration%20and%20You/Honeymoon-Destination/21]honeymoon destinations[/url].
Tips: Try and make this a date, like a picnic date to create a romantic moment. This is just to ease the planning tension that might begin to build up.
After you have both agreed, you can now go ahead and share it with your friends and family members to see where changes might be necessary. This way you not only make it easy for you, you make it easy for the event planner to execute it.

Get the Event Planner/Assign Roles
If you can get past the first two stages successfully, then you are just on your way to a perfect wedding ceremony. Depending on what you have decided to do in the first stage, this is the time to begin to put them all together. If you will like to assign roles to different people, make a list and state what and what, who will be doing. Also, ensure you do not put too much on one person because you trust them more or because they are closest to you. Try and split the roles evenly. If possible give a role to two people that work fine together. It creates the bond with friends and makes work easier. You don’t want your friends and most importantly your maid of honor or siblings looking exhausted in all your wedding photos.
And if you will be consulting an event planner, ensure you get an experienced event planner that is capable of bringing the plan into reality. Most of the time the event planner already has the contacts of the vendors you will be needing. But in some cases like in Nigeria, there is always someone in the family or a friend that can do the job. That is also fine, but ensure the person does not work in isolation but should cooperate with the event planner so the overall plan can be well executed.

It’s About You
When all that has been sorted out, it’s time to focus on you and every one that would be involved in the things that are personal to you. Like your dress, your shoes, makeup, jewelry, your hair etc. You must have decided who would be doing what, so this is the time to try them out. Get the makeup artist to do a pre-wedding look, so you both know what works perfectly for your face and skin type. Visit the stylist to try out different wedding dresses, shoes, jewelry and other paraphernalia needed to make you the most beautiful bride. After this, eat healthily, rest enough, do some exercise and spend more time some quality time with the beau. Try not to get so involved in the planning that you get so exhausted to share some quality time with beau.
Remember it’s about you and beau and what you both want. When you look at your wedding pictures years after, it should warm your heart.

This has been the headline for some companies in Nigeria for the past few weeks with some running into months, and it makes me wonder if people are really trying their luck to win a trip to watch the FIFA World Cup Tournament live in Russia. However, this is Nigeria and you would be amazed at the number of people that have and are still trying their luck, just in case their ancestors smile upon them with mercy. Some people are not even bothered about winning the ticket, because they have already secured their tickets with quick cash loans from Page Financials.

You might be wondering and asking, why it is important to travel all the way to Russia to watch the football match. For those that have been there before, it won’t be as exciting and thrilling as it would be for those traveling to Russia for the very first time, especially if that is their first trip outside Nigeria.

Those traveling for the first time get to enjoy these two important benefits;
Exposure: For those that have not left the shores of Nigeria and they get the chance to travel to Russia to watch the football match, they get the exposure to see the world differently. For some, this is how they discover their purpose and realize hidden talents and businesses that can be explored here in Nigeria. After all most startups and businesses are duplicates from other countries that someone sees and feels will be right for Nigeria and thus brings it home as a brand new idea for the Nigerian people.

Networking: This is usually the most important reason some people go to events and gatherings, just to get a contact to a contact of another contact that maybe leads to the head of an organization or even the President. Therefore traveling to Russia and attending the live tournament means you will meet a lot of people with different skills, professions, ideas and expertise all gathered to watch what they love. This could be the best way to meet someone that can end up sharing the best idea you will ever have in just one conversation.
Luckily for some, they might end up winning the ticket that would change their lives forever while some others will have to put everything in at once to go feel the live experience.

Interested in traveling to Russia to watch the live tournament? You don’t have to worry about spending all your money at once, you can get an instant cash loan online from Page Financials, and not just that, you will get quick loan without collateral or guarantor with low-interest rate and convenient repayment plans that can extend up to 12 months. To begin the short process click here and be on your way to Russia to bring home good tidings.

Do we really listen when people are talking to us, or we just want to hear them talk? Do we know that there is a huge difference between hearing and listening?
Simply put, hearing is the ability to hear what the other person is saying and oftentimes this is confused with listening. Most times, we assume we are listening to the other person simply because we keep quiet and allow the other person to talk. We are not listening when we do not silence the internal communication within us. We are not listening when we already have a pre-taped version of what we assume the other person should say. We are not listening when we are only waiting for the other person to stop talking so that we can talk without understanding them properly.

However, listening is the ability to make meaning or sense out of what we hear and it goes beyond that. Listening goes beyond waiting for the other person to stop talking before we talk like most of us do. Listening is the essence of communication.
In business, communication is key and vital to the success and growth of the organization. As an entrepreneur, you need to communicate with like minds and team members to get the work done faster. As a CEO you need to communicate with the various levels of staff in order to achieve the various organizational goals commendably.

Communication in lay man’s term is said to be a two-way circulation, but when one person talks and is not well understood, it becomes one-sided, hence communication is lost. Listening, therefore, allows communication to happen.

Having said that communication begins with listening, effective communication involves the following:

Effective speaking: It is very necessary for business professionals to be able to put their words together, in such a way that they are not misinterpreted by their listeners. It is also important to note that the voice tone used when speaking is likely to define how the message will be interpreted. For instance, when someone is angry, it might reflect in the tone of their voice when they speak, as they may tend to yell or shout when speaking. Hence, business professionals must be able to control the tone of their voice when necessary in order not to ruin the communication flow. More often than not, when someone speaks out of anger, they reduce their chances of getting a positive feedback from their listeners. Hence, the essence of communication is lost.
Therefore proper articulation of the message using the right choice of words delivered with the right tone keeps communication more effective.

Cooperation: Monologue does not belong in business. Unfortunately, monologue is the only form of communication some people understand, most especially top executives in an organization. For any business to experience seamless growth, the individuals involved must collaborate with each other. Rather than yell out your orders and requests to the staff or subordinates at work, without ensuring you are well understood and not misinterpreted, it will go a long way to cooperate instead. Cooperation involves understanding one another, synergy and compromise sometimes. It means you acknowledge that a tree does not make a forest and the ideas of others are as unique as yours. When there is cooperation, staff or team members would be motivated to work and go the extra mile because you have been able to communicate effectively through cooperation.

Body Language: The phrase ‘Action speaks louder than voice’ is very true when trying to achieve an effective communication flow. Thus, it is very important for business professional to understand that their actions say a lot before they speak and that could either send the wrong message or the right message. Eye contact, facial expressions, body posture and gestures among others, could mar the communication process. For instance, a speaker that avoids eye contact with his listeners, but has a calm voice, a tensed facial expression, could be sending a mixed message to the listener that, he’s not so sure of what he’s saying, or he does not want to be there, or he’s just nervous.
With all these being said, it is necessary for you as a business professional to take out time to consciously practice your listening skills, be determined to cooperate with others, deliberately exercise effective speaking and be mindful of your body language, as this would help build and maintain long lasting relationship between you, colleagues, and business partners.

Being an entrepreneur is not working on your own terms like so many people believe it to be, in fact, it requires extra hard work and sleepless night. As indicated in a research by Small Business Administration, only 50% of new businesses survive through the first five years after establishment and only one-third of the 50% are able to survive for 10 years. This study shows that about 65% of new businesses do not survive through the first 10 years. It is not surprising however that a lot of businesses in Nigeria start so quickly, like a sugar rush and fade out almost as soon as they started.

Many entrepreneurs believe starting a business is about having an idea to solve a problem, getting the right hands and skills to execute it and then launching it into the market. Actually it is just that on the surface, but in reality, it is more than that.
Most startup businesses fail because of several reasons such as but not limited to:

Money-Making Mind Set:
Before now, the sole aim of starting any business is to make money. While this is partly true, some other vital part was usually missing. However, some entrepreneurs still rely solely on this as the only reason why they want to start a business. With this mindset, it is only a matter of time before such business fizzles out. Entrepreneurs fail to realize that businesses have changed from being business-centric to customer-centric. Which means, value creation should be the first aim in business, the need to meet a need is the first essence of business. A valuable product or service is like a magnet, when it is able to meet the needs of the customer, it automatically pulls in the monetary value. With the money mindset, entrepreneurs will only see the need to make money above the need to satisfy the customers, forgetting that, if they do not meet the needs of the customer, they not only give room for their competitor to take away their customers, they also miss out on their sole aim, which is to make money.

Lack of Proper Planning:
A lot of young entrepreneurs get so excited about their unique idea, service or product that they can’t wait to be the first to start the business. They are in such a hurry to let their unique idea ‘hit’ the market that they forget to put a lot of work into strategic planning as to how it will be structured. They fail to carry out in-depth research into their target audience to be sure they are the perfect fit for the product. They also sometimes fail to take into consideration the need for right timing, as it will be very useless to sell an umbrella during harmattan season. These among many other things are the basic things some entrepreneurs fail to put into proper consideration before setting out to start a business. Thus they begin to experience some potholes they didn’t foresee.

Lack of Foresight
Foresight is the ability to detect or predict future unforeseen events that may occur. It’s a skill that a lot of entrepreneurs lack. When an entrepreneur lacks the ability to predict unforeseen events that may occur in the business, not only will it be difficult to prevent it, such entrepreneur will also not be ready to face the situation whether good or bad.

Thank you for your continuous effort in making Nairaland better for all users.
But please I will like to know how long it will take for me to begin to create my own post on Nairaland. I have been a member for a while now and I've been participating but am not able to create my own topic yet
I would really appreciate it if I get a positive response from you soon.

Thank you.

Warm regards.

Seun:
Fellow Nairalanders,

The forum was totally down for about 23 minutes this afternoon. I apologize for allowing this to happen. There’s no excuse for it.

Regards,
Seun.

But if you would be buying a new product that's not really in Nigeria, it's better to think over it properly. You have to consider how to repair it if anything happens, you have to be sure you can get the parts in Nigeria should in case the battery or screen needs replacement. My advice would be that you go for the one you are familiar with. Anyway I wish you all the best in your search.

dhannyson:
Yeah i know thats why i'm askin for help the spec of the EASTMAN Tab IS better than a tablet worth 95k that why if any one know the product

You should be able to get about a box of paracetamol tablet with 30k..lool.. Don't mind me dearie, I was just kidding. But the truth is, if you want anything that will last long and won't stress you up, just add more money to it and get something way better. Remember that every good thing comes with a price.
Pagefinancials.com

I can't wait to get my new Samsung Galaxy S9. If not for anything, I will be buying the new Samsung S9 because of these three reasons that I believe will amaze you as much as it amazed me.
LIVE TRANSLATION
This must be the most amazing feature on the S9, most especially for those that enjoy travelling. The camera translates other languages to English, if the camera can see it, then you can translate it. This means you have your personal translator with you wherever you go. Although this specification is not applicable in some countries yet, but this has to be the best feature yet.
With just this feature, I do not mind walking into any slot outlet in Lagos to get the new Samsung Galaxy S9 and pay later, but that’s not all.

AR EMOJI
With Snap chat we enjoyed the augmented images, but with Samsung S9, we are in to enjoy Samsung's version of animated emoji that allows the camera turn your face into an avatar that resembles you and then uses your facial expressions to animate the character. This is just like the bitmoji, but it’s better because the emoji does not just look life-like but they look like you. Like seriously i can't wait to get it. Even if I don't have all the money yet, I can get it from any SLOT stores in Lagos and pay later.

F1.5 Aperture Mode
For those that get frustrated when they are unable to take pictures at night because of poor light-conditions, like at night concert, say no more. The Samsung S9 has a lens that opens to F1.5 mode to pull in light for a bright and clear photo. According to Samsung, this feature lets in 28-percent more light than the S8 shooter, and this is just perfect for anyone that wants good images both day and night.

The Samsung S9 is about #264,500 and you could also get it anytime at any of the 28 SLOT stores in Lagos and pay later. Provided you are a salary earner and you live in Lagos. Or you can just visit pagefinancials.com for more details on how to get a quick loan with low interest rate.

I can't wait to get my new Samsung Galaxy S9+. If not for anything, I will be buying the new Samsung S9+ because of these three reasons that I believe will amaze you as much as it amazed me.

LIVE TRANSLATION
This must be the most amazing feature on the S9+, most especially for those that enjoy travelling. The camera translates other languages to English, if the camera can see it, then you can translate it. This means you have your personal translator with you wherever you go. Although this specification is not applicable in some countries yet, but this has to be the best feature yet.
With just this feature, I do not mind walking into any slot outlet in Lagos to get the new Samsung Galaxy S9+ and pay later, but that’s not all.

AR EMOJI
With Snap chat we enjoyed the augmented images, but with Samsung S9+, we are in to enjoy Samsung's version of animated emoji that allows the camera turn your face into an avatar that resembles you and then uses your facial expressions to animate the character. This is just like the bitmoji, but it’s better because the emoji does not just look life-like but they look like you. Like seriously i can't wait to get it. Even if I don't have all the money yet, I can get it from any SLOT stores in Lagos and pay later.

F1.5 Aperture Mode
For those that get frustrated when they are unable to take pictures at night because of poor light-conditions, like at night concert, say no more. The Samsung S9+ has a lens that opens to F1.5 mode to pull in light for a bright and clear photo. According to Samsung, this feature lets in 28-percent more light than the S8 shooter, and this is just perfect for anyone that wants good images both day and night.

The Samsung S9+ is about #264,500 and you could also get it anytime at any of the 28 SLOT stores in Lagos and pay later. Provided you are a salary earner and you live in Lagos. Or you can just visit pagefinancials.com for more details on how to get a quick loan with low interest rate.

I can't wait to get my new Samsung Galaxy S9. If not for anything, I will be buying the new Samsung S9 because of these three reasons that I believe will amaze you as much as it amazed me.
LIVE TRANSLATION
This must be the most amazing feature on the S9, most especially for those that enjoy travelling. The camera translates other languages to English, if the camera can see it, then you can translate it. This means you have your personal translator with you wherever you go. Although this specification is not applicable in some countries yet, but this has to be the best feature yet.
With just this feature, I do not mind walking into any slot outlet in Lagos to get the new Samsung Galaxy S9 and pay later, but that’s not all.

AR EMOJI
With Snap chat we enjoyed the augmented images, but with Samsung S9, we are in to enjoy Samsung's version of animated emoji that allows the camera turn your face into an avatar that resembles you and then uses your facial expressions to animate the character. This is just like the bitmoji, but it’s better because the emoji does not just look life-like but they look like you. Like seriously i can't wait to get it. Even if I don't have all the money yet, I can get it from any SLOT stores in Lagos and pay later.

F1.5 Aperture Mode
For those that get frustrated when they are unable to take pictures at night because of poor light-conditions, like at night concert, say no more. The Samsung S9 has a lens that opens to F1.5 mode to pull in light for a bright and clear photo. According to Samsung, this feature lets in 28-percent more light than the S8 shooter, and this is just perfect for anyone that wants good images both day and night.

The Samsung S9 is about #264,500 and you could also get it anytime at any of the 28 SLOT stores in Lagos and pay later. Provided you are a salary earner and you live in Lagos. Or you can just visit pagefinancials.com for more details on how to get a quick loan with low interest rate.
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