#WFQuoteoftheDay, 14th of November , With Inspiring Commentary.

November 14, 2018

Today's Quote of the Day is by someone on the ground  of anonymity 

"Don't waste your time looking back on what you have lost. Move on, life is not meant to be travelled backwards" 


Forget about the past and focus on the present and the future. If you have done well in the past, Good for you!  never  rest on your laurels. Try  More;  Do more; Discover more as the world changes everyday so that you won't become old-fashioned. Don't let your past success make you feel complacent.

For those who have failed, that is not the end of the world. Failure makes one stronger and more experienced to tackle the likely future problems. Tell me the one who has not failed before, and has become stronger. Absolutely No! The successful people today have stories in which there exist past failures. Never relent!

The commentary is by Salman R.  Opeyemi,  a motivational public speaker (08105563657)

#WFQuoteoftheDay, 14th of November , With Inspiring Commentary. #WFQuoteoftheDay, 14th of November , With Inspiring Commentary. Reviewed by worldforummedia on November 14, 2018 Rating: 5


November 13, 2018

Today's Quote of the Day is by Mark Twain

"The secret of getting ahead is getting  started"


You can't stay in one place doing nothing  and expect to succeed. Note that God helps those who are patient and hardworking, not people that do not take action and expect miracle from God. According to a popular saying,

"Heaven helps those who help themselves"

So get yourself to your feet and take action upon your passion and desire, and see yourself skyrocketing to success each day.

Commentary by "Salman R.  Opeyemi", a motivational speaker (08105563657)

#WFQuoteoftheDay #WFQuoteoftheDay Reviewed by worldforummedia on November 13, 2018 Rating: 5

Lagos State APC Governorship Candidate, Sanwo-Olu to promote technology if elected

November 11, 2018

The Lagos State Governorship candidate of the All Progressives Congress(APC), Mr. Babajide Sanwo-Olu has promised to promote the growth and development of  technology sector in Lagos  State if elected as Governor in 2019.


This pledge was made on Friday, 9th of October during a Digital Lagos event hosted by Vibranium Valley where he addressed tech community of all types, start-ups, developers and tech innovators.

He said technology was changing the manner in which people live, work and do any other activity. He, in addition, said that the problems facing society can be curtailed  and solved through technology. Thus a city-state such as Lagos with a Gross Domestic Product of more than $136b dollars can be well-developed if technology were promoted in such.

Speaking on the significance of Digital Lagos as a veritable platform for the transformation of the country, the APC standard bearer who was accompanied to the event by his deputy governorship candidate, Dr. Obafemi Hamzat said the huge investment in technology and creation of an expansive learning facility like Vibranium Valley would give credence to the saying that "Africa is the future of the world".

He made a promise that his would-be government would work in partnership with the technology sector to solve social issues by creating employment opportunity, mentoring, entrepreneurship, education, health, transportation and to also improve the revenue profile of the government

He said, ‘‘I’m aware that technology is the oil of today. Some ten years ago, the richest companies in the world were oil and energy giants, but the tide has changed. What we have today are technology companies dominating the global economic space. With technology, transparency and accountability in government become easier and possible. Technological innovations are helping social enterprise address social problems. Tech is accelerating SME evolutions and the impact of this is positive on the economy, which gives everyone a share of the prosperity created by this system,”.

He as well also talked on the importance of the old Concord Newspapers facility, which accommodates Vibranium Garden along Murtala Mohammed Airport Road and the owner, Chief MKO Abiola who he said was a man of big idea and famous entrepreneur.

“That you are using the old Concord Newspapers facility as a hub of innovation in Lagos also invokes huge memories and the symbolism of the Chief Abiola. He was a man of big ideas and he represented hope. You are incubating big ideas here that will bring hope and prosperity to Lagos, Nigeria and the rest of the world", He said.

In his welcome address, the Co-founder/Chief Executive of Officer of Venture Garden Group, Bunmi Akinyemiju identified how technology and innovation are critical to create economic opportunities and social inclusion in Lagos adding that the facility currently employs over 1,500 Nigerians and the 5 years plan is to generate 45,000 employments.

Akinyemiju emphasized the challenges faced by tech start-ups in Lagos in areas of power, funding and tax which government must address, adding that the right partnership with government in Lagos and Nigeria will have exponential effect the economy

“Digital Lagos is about digital economy that will create innovators solving problems and improving the way we live and work. With what we have here and at Yaba innovation hub we are empowering the next generation of wealth creators in Nigeria. We are driving investment. You need to imagine the amount of foreign interest we get here from arou
nd the world. We need more campuses like this across Lagos.”
Lagos State APC Governorship Candidate, Sanwo-Olu to promote technology if elected Lagos State APC Governorship Candidate, Sanwo-Olu to promote technology if elected Reviewed by worldforummedia on November 11, 2018 Rating: 5

#ways to earn passive income as an entrepreneur

November 06, 2018

As some will say, "I worked a traditional 9 to 5 jobs for many years and eventually I got burnt out. I knew that I wanted more freedom and the idea of passive income became very appealing. I had heard of many people quitting and replacing their full-time job with passive income, but I had no idea where to start". You get to know what steps to take in this article.

What exactly is passive income?

Passive income is where you get paid over and over again for work that you did once. There are multiple income streams that are passive, many of which are mentioned below.

Online entrepreneurs

By choosing the right sources of passive income, you can invest your time and money the way that you want to instead of the way you have been spending it. Passive income is a way of buying back more time. There are so many opportunities out there to make residual income in network marketing, however, this is NOT one of those “things”. These are legit ways for you to make money while you sleep in something that fits your passion, experience, or skill-set.

1. Peer-to-Peer Lending

This is where you can lend other people money who don’t qualify for traditional financing with investment returns often in the 6-10% range. Additionally, investing money with a company can get you much higher income results than a typical savings or money market account.

2. Writing a book

Once the initial work of creating the book is done, and you’ve spent some time developing an effective marketing plan, selling books can be a great way to produce some serious residual income. You can get a 10% royalty for every book that gets sold. Once your book is available on a site like Amazon, you could receive a check each month for doing absolutely nothing. Obviously, the more time you spend marketing your books, the more money you’ll make.

3. Affiliate Marketing & Ads

Here are two basic ways to make money with your website. If you have a site already then this is a no-brainer. There are people that are making over $50,000 per month like Michelle who created "Making Sense of Affiliate Marketing". Affiliate marketing can be a great way to make passive income because when people click on the affiliate links on your site, you receive a commission at no additional cost to them when they purchase a product or service.
A second way you can make money is from advertisements that appear on your website. The most well-known way is through Google Adsense, however, MediaVine is the one that tends to pay a lot more money for views and clicks when compared to Adsense.

4. Create an Online Store with Drop Shipping

With the explosion of eCommerce, drop shipping has become very popular. Here’s how it works: you create an online store that offers products from certain manufacturers. A person visits your site, orders a product, and your system sends the order to the specific manufacturer. The manufacturer then completes the order by shipping it directly to the customer. One of the cool things about this type of business is that you do NOT need to order inventory. The customer pays for the product, you collect the profits, and the manufacturer stores and ships the products to the customer. It’s as simple as that.

If you’re interested in starting a drop shipping business, consider using a platform like Shopify to build your online store. They have twice as many templates as their competitors and they even have a 14-day free trial that you sign up for here.

5. Create an Online Course

Online courses can be a great source of passive income. Here’s how they work: you create a value-packed online course that helps solve a problem or fills a need. This course can include videos, e-books, and emails with pertinent information. Customers sign up to purchase the course and your system automatically emails them everything they need to access the materials. You get money for the price of the course that you created and automation does all the heavy lifting for you.

6. Start a Business and Have Someone Else Run it

Owning a business can be a good passive income source, provided you’ve got the right people running the business for you. Whether it be through the purchase of an existing business or opening a new business, your great business idea can be a viable source of passive income. For some creative small businesses that you can start for under 100 bucks, check out the $100 Startup by Chris Guillebeau. These are all verified businesses that grew to over six figures per year and started with very little money up front.

7. Buying a Vending Machine Business

A successful vending machine business can be a great way to make passive income. The key is to find the right places to install your vending machines. Check with smaller brick and mortar businesses that have over 100 workers in the building on a daily basis, and see if they have a need for vending machines. Another key to vending machine success? Ask those workers what items they prefer to have in the vending machine and then stock accordingly. Once again, if you want to reduce the amount of time that you are involved, consider hiring someone to stock the machines for you.

8. License Your Photos

Have you ever wondered how you can make money taking pictures? Do you have an eye when it comes to taking good photographs? If so, check out a site like Shutterstock where you can send them your pictures and if approved, each time one of their clients downloads one of your photos you get paid a royalty.

9. Buy an Existing Online Business

The beauty of an online business is that most will allow you to work from anywhere. Starting one from scratch can take a lot of time and resources, so why not consider buying an already established online business? Web sites such as "Biz Buy Sell" have hundreds of online business listings that are for sale in varying prices ranges. Check to see if there is an online business for sale that is in line with your passions or hobbies. Because if you are going to be working, why not do something you actually enjoy doing.

10. Open a High-Yield Account

Looking for a low-risk way to make passive income? Then look at opening a high-yield checking, savings or money market account with an online bank that pays more than traditional banks. The yields are much higher than most local banks and still come with FDIC insurance. While this won’t make you filthy rich, it will be a safer way to make consistent income and not lose your money since they are FDIC insured.
#ways to earn passive income as an entrepreneur #ways to earn passive income as an entrepreneur Reviewed by worldforummedia on November 06, 2018 Rating: 5

18 Important Real Estate Terms Everyone Should Know - #Investment

October 08, 2018

Navigating the world of real estate, you’re going to end up coming across all kinds of real estate terminology that you may not be familiar with. Whether it’s your first time buying, or just don’t quite understand something, there is a lot of confusing terms used between real estate professionals.

Knowing what your real estate agent is talking about when they use common real estate terms will make the process smoother, and will also ensure communication is much easier.

Here are 18 fundamental real estate terms that will allow you to be better informed and involved in any real estate transaction.

Buyer’s Agent and Listing Agent:

Typically, there are two types of real estate agents that are involved in the home buying process. If you are buying a home, then you will want to be represented by a buyer’s specialist, while the listing agent will represent the seller of the home.


The acceptance is the agreement to the terms of an offer, which then creates a contract. As soon as the seller signs on the dotted line on the purchase agreement, you’re in a binding contract for the sale of the house. Once the contract is signed, neither parties can back out without facing consequences. In the buyer’s case, they will lose the earnest money deposit and in the seller’s case, it could end up in a potential lawsuit.


The closing date is the scheduled day on which the sale of the property is officially finalized and transferred thereafter. In order to meet the closing date, the buyer must sign all the mortgage documents and pay all closing costs and the seller completes the transaction with the buyer.

Closing Costs:

Closing costs are fees paid at the home closing, which is when the title of a residence is transferred from the seller to the buyer. These costs typically include real estate commissions, escrow fees, document recording fees, lawyer fees, title insurance fees, survey fees, and taxes. These costs can also include the expenses the home has incurred by buyers and sellers during any negotiations.

Comparative Market Analysis: 

The best method available to home sellers to learn their home’s current value so they can select the best sale price is a CMA, or Comparative Market Analysis. CMA is the term real estate agents use when they conduct an in-depth analysis of a home’s worth in today’s market.


A contingency is the condition that must be met before the deal can be finalized between the buyer and the seller and becomes legally binding. If the home inspection reveals major problems, then the contingency allows the buyer to walk away from the contract without losing money. A common contingency is the home inspection. Other contingencies can include appraisal contingencies or financing contingency.

Down Payment:

The down payment is the amount of money you pay toward a home before your lender provides you with a loan to cover the rest of the purchase amount. Your down payment can vary depending on the type of mortgage you take out. It can be anywhere from 3 percent to 20 percent of the total cost.


The escrow is a deposit of funds or documents, such as the earnest money deposit, that are held by an escrow agent, or other third party, until the sale goes through. The third party holds the property, cash, and the property title until all conditions of the property agreement have been met.


An appraisal is a third-party opinion of value. This is usually based on comparable sales within the area of the “subject property” (the house for sale).


Your home’s equity is the difference between the home’s fair market value, and the unpaid balance of the mortgage. Equity increases over the life of the loan. For example, if your home is worth $100,000, and you owe $50,000 still, the other $50,000 is your equity.

HUD-1 statement

A document that provides an itemized listing of the funds that are payable at closing. Items that appear on the statement include real estate commissions, loan fees, points and initial escrow amounts. A separate number within a standardized numbering system represents each item on the statement. The totals at the bottom of the HUD-1 statement define the seller’s net proceeds and the buyer’s net payment at closing.

Home Warranty  

Similar to any warranty, sellers and buyers can pay a fee to protect the home against future issues depending on how much their package covers, like plumbing, heating, or appliances.


A home inspection is scheduled after you have made an offer on a home. Some municipalities require an inspection, whereas some do not. The inspector goes through every part of the home to check on the foundation, walls, heating, electricity, plumbing, and appliances to see if they are up to code or need repairs. If the inspector finds something wrong in the home during the inspection, the inspection will fail.


A lien is when a legal claim is put on a property in order to receive payment for debt. The holder of the lien can sell the property to recover the money owed.


Real estate agents will often refer to homes for sale on the market as listings. These listings include basic information about the home for sale, such as the price, number of bedrooms and square footage.

Private Mortgage Insurance:

PMI allows buyers to put less than a 20 percent down payment on a home. A PMI is an insurance premium paid by the buyer to the lender to protect the lender if you are unable to pay your mortgage. Once you have 20% equity in the home, this insurance is discontinued.


Don’t make the mistake of thinking a Realtor is the same thing as a real estate agent. Not all real estate agents are Realtors; only those that are members of the National Association of Realtors (NAR) can call themselves Realtors.

Title and Title Insurance:

Title is the legal term that identifies a piece of property that the owner is in lawful possession of that property. The title insurance protects real estate owners and lenders against any property loss or damage they might experience due to liens, encumbrances, or defects.

These therefore  are the fundamental  investment terms associated with real estate  transactions. Know it fully before  you go in to purchasing of real estate  properties.

Do reach us on twitter for more updates 
18 Important Real Estate Terms Everyone Should Know - #Investment 18 Important Real Estate Terms Everyone Should Know - #Investment Reviewed by worldforummedia on October 08, 2018 Rating: 5

Driverless Cars will soon change the world - #Technology

October 06, 2018

SoftBank and Toyota want to change the world of transportation through autonomous vehicles and other technologies.
The high-profile Japanese companies are forming a joint venture called "Monet" to develop businesses that will use driverless-car technology to offer new services, such as mobile convenience stores and delivery vehicles in which food is prepared en route.
SoftBank (SFTBF) will own just over half of Monet, while Toyota (TM) will hold the rest.
    The new company's name isn't a reference to Claude Monet, the famous French painter, but rather a shortened version of the words "mobility network."
    Toyota President, Akio Toyoda and SoftBank CEO, Masayoshi Son attended the announcement of the project Thursday in Tokyo, a rare joint appearance by the heads of two of Japan's biggest global companies.

    Driverless Cars will soon change the world - #Technology Driverless Cars will soon change  the world - #Technology Reviewed by worldforummedia on October 06, 2018 Rating: 5

    Warren Buffet's Classic Value Investing Style - Investment

    August 31, 2018

    Berkshire Hathaway Chairman and CEO Warren Buffett, is an exceptional role model if one wants to imitate the classic value investing style. During the early years of his great investing career Buffet said "I'm 85% Benjamin Graham." Graham is deemed as the godfather of value investing who initiated the concept of intrinsic value – the underlying fair value of a stock based on its future earnings power.

    Warren Buffet, American Greatest Investor

    Nonetheless, Buffett’s investment approach is more qualitative and intensive as compared to Graham. He prefers potent businesses which have fair valuations and posses the potential for large growth whereas Graham favored undervalued, mediocre firms and would then expand his holdings among them.

    Buffett's Investing Style

    Buffett's formulas interestingly look fairly simple and cliché but can be difficult to execute. Buffett basically uses twelve investing tenets to make his decisions. These are grouped in the areas of business, management, financial measures and value. For example, one principle questions if management is candid with shareholders. Conversely, there is Economic Added Value ( EVA) [ EVA is a laundry list of adjustments ]which is a fascinating example of the reverse scenario; concepts that appear complicated but are easily executable.

    "The Buffett Way" is a conventional method of investing that is also flexible; resulting in its its phenomenal success. Day traders may need firm discipline and adherence to a formula, but it can be argued that successful investors have to be willing to adapt their conceptual models to current environments.

    Business Tenets

    Buffett strongly believes that an inherent understanding of the operating business is essential to have a viable forecast of the future performance which is why he firmly limits himself to his “circle of competence” - businesses which he can comprehend and analyze. For example, when the tech bubble burst in the early 2000s, Buffet did not suffer great losses as he wasn't heavily invested in dot-com stocks. The main goal of his business tenets is to produce a robust projection. Primarily, analyze the business, not the market or the economy or investor sentiment. Next, search for a steady operating history. Finally, utilize that data to establish whether the business has beneficial long-term prospects.

    Management Tenets

    Evaluation of management quality is perhaps the most difficult analytical task but is extremely important. Here are his three management tenets:

    - If the management is rational: It is important that the management of the company sagely reinvests the earnings and returns the profits to the shareholders as dividends; and doesn't focus on retaining profits to build their empire and seek scale.

    - Management’s honesty with its shareholders.

    - Lastly, if the management refrains from mindlessly duplicating the schemes and strategies of their peers/ competitors.It is key that you draw a fine line between parameters , like between imitation of competitor strategy and circumvent a company that is first to market.

    Financial Tenets

    “Buffettology” pivots on return on equity (ROE) instead of earnings per share. Many investors might argue that ROE is theoretically subservient to return on assets( ROA) or return on capital employed (ROCE) as ROE can be contorted by leverage ( a debt-to-equity ratio). [ ROA= earnings produced for all capital providers/ Equity contributed to the business ]. However, Buffett favours low-leverage firms and appraises leverage separately. He also seeks high profit margins.

    His final two financial principals share theoretical fundamentals with EVA. First, Buffett analyzes "owner's earnings," which is essentially cash flow accessible to shareholders. Buffett elucidates it as net income plus depreciation, depletion, amortization and other non-cash charges minus capital expenditures (CAPX) minus additional working capital (W/C) needs. This equation is similar to EVA before you subtract the shareholders equity charge. So, basically with owners' earnings, Buffett analyzes a company's ability to generate cash for shareholders.

    Buffett also has a "one-dollar premise," which essentially means that every dollar of retained earnings must generate one dollar of market value.

    Read also: Why should save money and invest

    Value Tenets

    Ben Graham once said “ price is what you pay, value is what you get”. Hence this principle of Buffet analyzes the intrinsic value of the company. Buffett strongly recommends to ignore the short-term market volatility and focus on long-term returns

    A truly exceptional business ought to have an enduring "moat" that safeguards brilliant returns on invested capital .“Moat”is a buisness’ ability to retain competitive advantage in order to maintain its long term profits and market share from its competing firms. Any business "castle" which is earning high returns will be consistently punched by its competitors . Therefore an intimidating barrier such as a company's being the low cost producer (GEICO, Costco) or having a powerful world-wide brand (Coca-Cola, Gillette, American Express) is vital for prolonged success. Business history is filled with "Roman Candles," companies whose moats proved delusive and were soon crossed. A moat that needs to be consistently rebuilt will eventually be no moat at all.

    Companies prone to swift and continuous change are ruled out from his “enduring” criteria.Though capitalism's "creative destruction" is extremely favorable for society, investment certainty is prevented .Buffett discounts the projected earnings at the risk-free rate, claiming that the "margin of safety" in carefully applying his other principles presupposes the minimization, if not the virtual elimination, of risk.

    The Bottom Line

    In essence, Buffett's principles, a foundation in value investing, is also adaptable to the changing times. But in recent times stable operating histories are difficult to find, and intangibles play a bigger role in the firm’s value thus making the analysis of a business quite challenging.

    Buffett encourages small investors to buy a low-cost S&P 500 index fund instead of individual stocks. However, if one wants to buy individual stocks, follow “The Buffet way” and you will be on track to earn solid returns on your portfolio.
    Warren Buffet's Classic Value Investing Style - Investment Warren Buffet's Classic Value Investing Style - Investment Reviewed by worldforummedia on August 31, 2018 Rating: 5

    Technology - Zuckerberg Tops Warren Buffett To Become World’s 3rd Richest

    July 08, 2018

    Facebook Inc. co-founder Mark Zuckerberg has topped Warren Buffett as the world’s third-richest person, further strengthening technology as the most robust creator of wealth.

    Zuckerberg, who trails only Amazon.com Inc. founder, Jeff Bezos and Microsoft Corp. co-founder, Bill Gates, eclipsed Buffett Friday as Facebook shares climbed 2.4 percent, according to the Bloomberg Billionaires Index.

    It’s the first time that the three wealthiest people on the ranking made their fortunes from technology. Zuckerberg, 34, is now worth $81.6 billion, about $373 million more than Buffett, the 87-year-old chairman and chief executive officer of Berkshire Hathaway Inc. Zuckerberg’s ascent has been driven by investors’ continued embrace of Facebook, the social-network giant that shook off the fallout from a data-privacy crisis that hammered its shares, sending them to an eight-month low of $152.22 on March 27. The stock closed Friday at a record of $203.23.

    READ: Jeff Bezos passed Bill Gates for the world richest

    Technology fortunes make up about a fifth of the more than $5 trillion in wealth tracked by the Bloomberg index, more than any other sector. The ranking, which tracks the world’s 500 richest people, is updated after the close of each trading day in New York.

    Buffett, once the world’s wealthiest person, is sliding in the ranking, thanks to his charitable giving, which he kicked off in earnest in 2006. He’s donated about 290 million Berkshire Hathaway Class B shares to charities, most of it to Gates’s foundation. Those shares are now worth more than $50 billion, according to data compiled by Bloomberg. Zuckerberg has pledged to give away 99 percent of his Facebook stock in his lifetime
    Technology - Zuckerberg Tops Warren Buffett To Become World’s 3rd Richest Technology - Zuckerberg Tops Warren Buffett To Become World’s 3rd Richest Reviewed by worldforummedia on July 08, 2018 Rating: 5

    5 Traits that will make one a leader

    June 29, 2018
    Some people are born leaders. As a matter of fact, one does not need to hold a political or  managerial post before one can become a leader. There are certain traits one will have that will make people within the organization see one as a leader. Consequently, this article will focus on the 5 traits that will make others see one as a leader.

    Generally speaking, some leaders are made, while others are born. And, When one possesses any of these 5 traits, people will see one as a leader regardless of one's role in the society.

    So, before you read further I want to ask you this question. Do you want to be seen as a leader in your organization? If yes, read the 5 traits that will make others see you as a leader below.

    #1 Listening Actively

    Active listening is one of the traits that will make others see you as a leader. Most people think leading means speaking out, but they are wrong.

    According to Elizabeth McLeod “If you focus your mindful listening, you can garner more opportunity without saying a word”

    Mindful listening goes beyond keeping quiet and nodding. As a matter of fact, it involves focusing on what the person you are listening to is saying, understanding their body language while maintaining eye contact. Oh, it looks easy to you right? but only few people pay attention to this.

    When you listen actively, you can sort and frame information, and when you finally speak, everyone will listen. This is because of the fact they know you have understood their point of view perfectly. Lastly, McLeod said ” If you want people to see you as an authority figure, stop talking, take a break and listen

    #2 Making Your Meeting Count

    The best time for your colleagues to see the stuff you are made of is during meeting. So, If you want others to see you as a leader, make every meeting count.

    Therefore, be active in every meeting, prepare very well ahead of time. Read any pre-reads, listen actively through out the meeting, asking intelligent questions etc.

    #3 Proactively Finding A Mentor

    Developing your skill continuously is one of the traits that will make others see you as a leader. The easiest way to develop your skill is to find a mentor.

    You can take your boss as a mentor, but if you don’t want to use him, start looking for someone else.

    #4 Looking for root causes rather than quick solutions

    When things go wrong in an organization, some people will always look for quick solutions which may eventually prove out to be temporary. However, if you want people around you to see you as a leader, always look for the root cause of any problem. Finding the root causes of any problem will make it possible for a long-lasting solution to the problem.

    The first step to do this is to accept failure confidently. Once you accept failure, look for proactive ways of preventing it for happening again. Remember! No condition is permanent; Failure strengthens one and makes one stronger.

    #5 Speaking the truth when things go wrong

    When things go wrong, never cast a blame. Rather, speak the truth. And speaking the truth involves explaining what happened and strive towards fixing it.

    People that cast blames are those that avoid responsibility, and this only distracts you from solving the problem.

    So, these are the 5 traits that will make others see you as a leader. Apply them and tell the world your experience and testimony....

    5 Traits that will make one a leader 5 Traits that will make one a leader Reviewed by worldforummedia on June 29, 2018 Rating: 5

    Inspirational video: It is never too late to be what you want to be

    June 18, 2018

    It is never too late to be what you want to be in life...focus, determination, persistence, perseverance are the watch words.... #Watch and share video to all social media...

    Inspirational video: It is never too late to be what you want to be Inspirational video: It is never too late to be what you want to be Reviewed by worldforummedia on June 18, 2018 Rating: 5

    Why You Should Save Money and invest

    May 28, 2018

    Why should you save Money? if you make less money, paying your bills can be a major problem, especially in this current eonomy where people complain about low cash flow and the thought of saving money doesn’t even come to mind. When you have less than ₦5,000 left after spending from a salary of ₦50,000, why even think of saving? Because everyone has to start somewhere, and if you are focused at it, your financial situation is likely to improve going forward. Saving money is worth the effort. It gives you peace of mind, it gives you options, and the more you save, the easier it becomes to accumulate additional savings.

    Peace of Mind

    Who hasn’t stayed awake at 3:00 a.m. wondering how they were going to afford something they needed? If money is really tight, you might be wondering how you’re going to pay your bills.Later in life, the money thoughts that keep you up at night might center around paying for your kids to go to college or having enough money to retire.

    As you accumulate savings, your financial worries should diminish, as long as you’re living within your means and not always looking for new things to worry about. if you have savings accounts for your children’s education and your own retirement that you’re regularly funding, you’ll sleep better at night. The reduced stress from having money in the bank frees up your energy for more enjoyable thoughts and activities.

    READ: Cutting down expenses and saving more

    Expanded Options

    The more money you have saved, the more you control your own destiny. If you’re tired of living in an unsafe neighborhood, you can move to a safer area because you’ll have enough for a deposit on a better apartment on.

    If you get sick and need expensive healthcare that your insurance doesn’t cover, you’ll have a way to pay for it even though you can’t work while you’re getting treatment. And knowing that you have options because of the money you’ve saved away can give you even more peace of mind.

    Therefore, with more money in the bank to deal with issues like these, you give yourself better odds of coming out on top.

    Emergency fund

    In your life, you never know what may come across and at what time. You never know which accident or difficulty you may face throughout the life. For this, you need to save a particular portion every month from your regular income. And then, you invest this savings to a good plan that earns you proper interest on the same.
    Why You Should Save Money and invest Why You Should Save Money and invest Reviewed by worldforummedia on May 28, 2018 Rating: 5

    factors that can influence your choice of career

    May 21, 2018
    Career achievers

    Let me ask you a question. What is your intention for going to school? I discovered that most people go to tertiary institutions just to be referred to as a graduate. Many people just go and study any course they are been given. It’s not supposed to be so. Have a plan and a direction in your life and it will help you a great deal. Plan your life and follow your plan. That’s all I can say. There are a lot of factors that can influence your choice of career . some of which are outlined below.

    Your Passion

    The greatest influencing factor of success is to pursue your passion. Your passion is a burning desire that cannot be quenched except it has been achieved. Everyone has a unique vacuum he/she is to fill. When this vacuum is discovered, it arouses the passion for fulfillment. With passion, you work hard to make sure that your destiny is fulfilled. I met a young man who according to him, gets so annoyed whenever he hears that someone died and in most cases as a result of an avoidable carelessness. This aroused that passion to save lives and as such, he decided to study medicine and surgery in order to save as few as he can and as many as he can. Passion for saving lives was the propeller.

    There was also another lady who had a dream of becoming a mouth of the poor and oppressed. She wanted to defend the law and stand tall for justice and this led her to study law. Passion initiated and influenced her choice. All the most celebrated football stars today were stared up by their passion for soccer. Some of them started as early as before age 10. You might have seen some of them in your area carrying their soccer boot every evening and Saturday morning and you might think that they do not have any plan for their lives. You might think that they are only wasting their lives but it is not so. These young boys know what they are pursuing. Their passion is simply what they are pursuing.

    Do you think that there is anything that when you are been given the opportunity to do, you will do better than the people who did it previously? That could be your passion. The passion to do things better is the basic backbone of innovation and technology. Never pursue a career because other want you to. You will be the one spending half of your life at the job, therefore pursue your passion. Oprah Winfrey said, “make it your intention to serve through your life with purpose, you will have a blessed life”.

    Your Advisers

    Your advisers could also influence your choice of preferred career of study. When we are surrounded with godly and reasonable advisers, we tend to move in the right direction. For example, I planned studying electrical or mechanical engineering in higher institution but my brother advised me on the importance and relevance of Information Management Technology, which I adhered to his advice and currently, I owe it no regret.
    Mind you, you are the person to choose the course of field that interests you since it’s your life and not anyone else. But in choosing your career, you must also give heed to advice from elderly ones who have gone before you. Their responsibility is just to advise you, not to force or compel you into what was not initially your intension.

    May I use this opportunity to correct the error some parents make. Some parents tend to decide what their child would study. They believe that since they are the ones to bear the financial responsibility, therefore, the child must study whatever they tell them to. That’s wrong! even God who is the master of us all never compels anyone to do anything but rather permits us to make our own choice. Advice the child only and let him make his own choice because he will be the one facing the rudiments of that profession and not you. Young ones, listen to advice and take counseling but weigh them accurately and appropriately and then go with the right advice. Probably, it might be the same with your passion.

    Solving a Problem

    There are lots of problems in our environment and nation, ranging from sickness to poverty, and to inadequate technology as the list continues. Therefore trying to proffer solution to any of these problems could also influence your decision on your course of study. There is no environment without a problem and there is no problem without a solution. You could be the solution provider or problem solver.
    Discovering a problem with the goal of solving it will make you more focused than you would have been because you are studying the course not just for the passion or because of advisers but because you want to solve a problem. In a bid to be a solution provider, there are three thing to take to heart viz; yearn, learn and then earn. To yearn means to have a strong desire. Desire that a problem could be solved through you.
    Learn everything needed to provide solution to that problem. To learn means to gather knowledge about something. When you yearn, then you learn. Get a lot of relevant materials that will aid you in acquiring the needed knowledge and after you must have learnt enough and deployed your knowledge, the next thing is to earn. There has never been a solution provider at any level that never made money through his/her innovation. Many of the multi billion naira businesses that exist in our country today make their money by solving a problem. When you solve a problem, those who benefits from the solution you provide will in turn pay for the service.

    Available Opportunities

    Bill Clinton said, “the future is full of challenges but there are even more opportunities”. Another factor that could influence your choice of career and course of study is the opportunities available. This will need someone who has fore sight (the ability to see far) to be able to predict the opportunity that will be readily available soon so as to start preparing in time. Have you observed that things move in trend? Twenty years ago, engineers were most sort after because of their relevance in the society and industries.

    Currently, people with computer skill and knowledge are now the most sort after. In the near future, another aspect of Information Technology will be relevant whereby if you rely on the skill you have currently without upgrading, you will become irrelevant and obsolete. For example, we are in the era of application development in which if you are good in any programming language you are good to go.

    Opportunities abound everywhere and every time but it is only few that sees it. Also, in this 21st century, this few is bound to achieve the right choice of career.....
    factors that can influence your choice of career factors that can influence your choice of career Reviewed by worldforummedia on May 21, 2018 Rating: 5

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