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Showing posts with label Gist. Show all posts
Showing posts with label Gist. Show all posts

Friday, July 7, 2017

Hilarious; The Clear Difference Between a Restaurant, Canteen & a Bukka

This is somehow funny. See thus tweet below...


Lolz...
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Easy Ways To Make Money On Instagram

If you want to make money off in stage am think content management. Below are some easy tips to help you.

But firstly, you need to grow your followers and how do you do that?

1). You can either buy or grow them organically using content. Organically in the sense that your followers are real while you can opt to buy followers and add to your already growing followers. For example pages like krastv (over 1million followers)is handled by a human and they have a large following because of their funny videos and then brands noticed them (new music artists, hair makers, MUAs etc).

So what brands looking for online influencers do is to search for handles with large following, pay them to post a video/photo promoting their product (doesn't come for free) because they know the number of followers and people who visit that page daily will definitely see the post. You would have started watching the video with the hope of laughing before you'd realise it's an advert.

Celebs charge more because of their status, so most starting brands can't afford them instead they seek help of ordinary Instagram users with large following. So instead of paying a celeb with 2million followers that will charge maybe 500k per post, they'd pay you 50k with your 10k followers to promote their business.

2). Also, to grow your following/followers I will take you back to content.
Content is key, no one will follow a boring page, you have to be active and let your posts be escorted with lots of hash tags. You also have to define if your page is personal or for business. Instagram gives you that option when opening an account,to choose between a personal or business account where you can set your email, phone number on your page that people can quickly contact you on if they need your service.

For example, post a bikini photo of you and hashtag #bikinibody #summerbody #fineass #slimthick #melaninpopping #swimmer #ignoremyshenanigans #ireallydohatehashtags

3). Use Hastags
You'd find about 1,759,990 people using same hashtag #summerbody. Once anyone clicks on the hashtag your post will also show and anyone anywhere even when they aren't following you will see it (power of hashtags) #hashtagsarenotcompletelyuseless.

Before you know especially if the bikini photo is fire because you know Bella la hot, people will follow you to see more.

4). Use Geotags too, visited a zoo recently? Put location on the post and people who visited and used same location will see it and follow you if they think you might have more information about the place
Yeah that's how people make money, so while you're busy being a keypad warrior on blogs, you can channel it into being a content manager for either yourself or brands on social media, it is not limited to Instagram alone. It's also called online marketing (Instagram comedians started from Instagram and now most do stand ups and get invited to events and are paid well).

If you can't do comedy like wofai who is now attending red carpets, you can decide to run a page that posts pictures of beautiful women or men, abstract pictures (maybe danfo carrying rams) etc. See the content is out there, find it and use it.

5). You can also make up a cool hashtag and get people to start using it instead of following the crowd.

6). Link your Instagram to other platforms, so that people on Facebook for example will see when you post and like or decide to follow you on Instagram.

7). Be out there, manage accounts for people and help them grow their business especially if you know how to write catching headlines that accompany posts.

8). Don't do it for free, so many Instagram celebs started from Twitter and make cool money now

9). Have you followed me today? #Ieatasunforaliving #islayhard #Iamdoppelganger #stoptrollingcelebsandmakeyourownmoney

10- #natheworkweywedeydo #SDKtohbadt #Amebonobecrime
#dopplegangersideeyes #hehehehehehehhe

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Wednesday, July 5, 2017

Check Out These Warning Signs To Know If A Person Loves Money Too Much


There’s a fine line of difference sometimes, but here are 10 signs you might love money.

1). You Are Obsessed with Becoming Rich
The concern here is not wealth itself; it is only the love of money that is evil. It is the compulsive and sometimes unethical pursuit of wealth that leads to ruin.

People with this heart attitude set themselves up for temptations and snares —
“senseless and harmful desires” that can lead to destruction and may even cause them to “wander away” from trust in God (1 Timothy 6:9-10).

2). You Are Living Beyond Your Means
This is a huge issue in a culture of abundance. Examine your checkbook, bank account, and credit card statements, and you’ll soon discover if this issue of greed is your heart problem.

Who is ruling us when we over-spend, or when we build up credit card debt and accumulate “beyond our means” to quickly repay? Proverbs 22:7 says “the borrower is the slave of the lender.”

3). You Are Becoming A Show-off
It’s not a matter of “keeping up with the Joneses” now, but also the fashion trends of the Kardashians and the Hollywood crowd, and every enticement from Apple and the

Shopping Channel and… it never ends!
The Bible says our unhealthy desires of the flesh, our constant cravings for things we see, and our pride in possessions are “not from the Father” (1 John 2:16).

But we love to flaunt our new purchases, don’t we? God gives us many things to enjoy, but we’re not to become “haughty” or proud, setting our hopes on “the uncertainty of riches” (1 Timothy 6:17).

Consider where and how you seek acceptance. Listen to your conversations. Check out what you post on Facebook. Are they are reflection of your thoughts and beliefs about money? Are you praising God for His good gifts, or bragging?

4). You Forgotten the Source
We love money when our hope and security are misplaced, rooted in our financial accounts rather than the Lord. Those who find their security in their possessions may come emotionally unglued when their valuables fall apart or “thieves break in and steal” (Matthew 6:19).

Sometimes money draws us away from trusting God in subtle ways. If you’re not sure you’re wandering, ask, “Does money bring me more joy and satisfaction than loving, obeying and serving the Lord?”

Deuteronomy 8:18 says, “You shall remember the Lord your God, for it is he who gives you power to get wealth.”

5). You Are Tempted to Sin
The love of money can lead us to many choices for sinful gain: cheating, etc.

Love of money clouds good judgment. Blinded by greed and lusts, you may get caught in “a snare” (1 Timothy 6:9).

Guard your heart, and if you find yourself tempted to make sinful financial choices, repent of losing your “first love” and return to the Lord!
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Effective Keys For Salary Negotiations

To get the best of salary negotiations, it is vital to have the knowledge of some helpful tips to guide your salary negotiations, so you can get the best out of it and be satisfied with the results.


Here are some effective keys for salary negotiations.

1). Know What Benchmarking Is
You should understand how employers decide their salary levels and use that information to guide your salary negotiations. Companies don’t just use arbitrary salary ranges for employees, they use a variety of benchmarking tools for this. They typically compare pay rates with the average pay of other companies in their industry, average pay of professionals with your level of experience and education, and the average pay of professionals in your field in their area of the country. You should try as much as possible to know the ‘salary norm’ in the industry of your job search and negotiate effectively within that range.

2). Do Your Research
To successfully negotiate your salary, you need to have some basic and very necessary knowledge to guide your negotiations. Research is the most important way, if not the only way, to get this knowledge. Asking questions, talking to recruiters, people you know and professionals in your field and on your professional level, can you help you get the needed information for salary negotiations. Even if you don’t get an exact figure, you will at least get a range.

3). Pick The Top Range
After doing your research well, you would most likely get a range of what an employee in your industry and at your professional level should be earning. It might be tempting to start your negotiations at the middle of the range (to appear modest) but don’t. It’s better to start from the top of the range because firstly, you should believe you deserve top pay, and secondly, the employer will almost certainly negotiate down. So, starting your negotiations from the top of the range will give you some breathing room and a better chance to end up with a salary you will be satisfied with.

4). Practice For It
Practicing for a prospective salary negotiation scenario is one of the best ways to prepare for it and to eventually get the results you desire. A career coach can help with this. However, if you are unable to find one, you can ask a friend or relative with experience in salary negotiations for help. Practicing for salary negotiations helps you to develop the confidence to negotiate and talk about money without being so scared of making a mistake and messing it all up.
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Monday, July 3, 2017

How To Recover When You Messed Things Up

It is not a secret that we all mess up. Not one of us is above making mistakes, which means we all have, at one time or another, recovered from mistakes we’ve made. Intellectually, I know I can move forward even after I mess up, but so often I struggle to remember that moving forward from sin is actually possible for me (and you, and you, and all of us!).


God’s grace knows no bounds, which means that no sin (or sinner) is banned from grace. We can all pick up and move forward after messing up.

This are things to do in other to move on.

Take a Breath
Oftentimes, the one most disappointed in our mistakes is our own self. After messing up, it can be helpful to take a moment for yourself. The journey towards reconciliation, grace, and healing is not necessarily a downhill coast. It’s easy to beat ourselves up, so begin by doing something kind for yourself—take some deep breaths, go on a walk around the neighborhood, or drink a cool glass of water.

Acknowledge Your Mistake
It is maddening to be around a person who has clearly done something wrong but cannot admit it. Recovering from our mistakes is going to be much easier if we can own what we’ve done from the start. Before we apologize to God, others, or ourselves, we should have a clear understanding of what we’re apologizing for. Where did things go wrong? What would you do differently? What was the impact of the choice you made? These reflections will better help us in repairing relationships and understanding how to avoid making the same mistake in the future.

Go Out of Your Way to Apologize
How we apologize to those we hurt through our sin can greatly contribute to the health of our relationship with them in the future. Take this part seriously. Get in touch with the people who were impacted by your actions and ask if you can see them in person. If they agree, then you go to them; drive to their home or take them out for coffee and allow your apology to be a conversation, rather than a sentence you squeak out. I firmly believe the road to recovering from our sin is much smoother when we make a real effort to repair the affected relationships. Remember, too, that repentance to God is a necessary step in claiming freedom from our guilt. Speak with God about your sin and apologize to Him for the sin, knowing you are safe to share these things with Him.

Consume Grace
Drink grace in like you would cold water on a hot day. Grace is limitless and without bias. If we are going to recover from any mistake—big or small—we have to wear grace like a robe. Step into its warmth and let it cover all parts of you. Receiving grace is what lifts the gate that stands between our sin and our freedom from the sin. Remember when you repented to God? He doesn’t respond to our sin or repentance with wrath—he responds with grace. Spend some time with God and allow yourself—with all of your imperfections and past mistakes—to see yourself as God sees you: through the lens of grace!

Shift Your Direction
Now what? You’ve repented, apologized, consumed a hearty dose of grace—you’re moving now, away from your moment of sin. Where, though, will you go? You are free to go in any direction, but this is when you can choose to shift, even if ever so slightly, where you are going. If you tripped up on sin, you may want to consider inching your path over a bit. Maybe this requires a new hobby, new group of friends, or more a more active role in your community or church. Whatever changes you need, let this be a time when you implement them.

Grace is not a one-time offer; if (and when) you find you’ve messed up again, remember that you can recover! The process of recovering from your mistakes may not look exactly the same each time, but if you’re feeling overwhelmed with your sin, take this practical advice to orient you in how you can begin moving ahead after you’ve messed up.
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5 Effective Ways To Handle Social Media Backlash

You do not have to be a celebrity before tantrums are thrown at you on social media. Very few people care whether you are right or wrong, they just criticise. Before you know it, you are at the top of the trends on Twitter. Ironically, what you said may not be as a result of a tweet or Instagram post but an interview.


An example is the backlash Falz faced after he chastised some musicians for glorifying Yahoo Yahoo (Internet Fraud) in their songs.

Another example is the case of Kemen in #BBNaija who trended for days because of the encounter he had with Tboss.

The impact of these backlashes can be between mild or severe depending on the individual. Hence, if poorly handled, it can escalate into something you never imagined.

Here are five (5) ways to deal with social media backlash.

1). Delete offending materials
If you tweeted or shared a post that is causing quite a controversy, you should delete it immediately. Do not try to be defensive or justify it unless you want it to spiral out of control. Even when it does, you should still delete it. Regardless, trust social media trolls, they would screen grabbed it. Do not mind this. The important thing is that the post should not be found on your handle or page.

2). Have friends around you
For individuals who face social media criticisms, they should have their friends and family members around them. The fact is they cannot go through this on their own. When the backlash gets to them, all sorts of thoughts begin to get into their head including committing suicide. That is the extent it can push some people. With trusted friends around, you will feel loved despite the shots you are getting on social media.

3). Leave social media for a few days
There are uncountable trolls on social media who just want to make you feel bad. They reign abuses and curses on you. If you are still with your phone, you may be tempted to reply. You do not need to. Just abandon your social media for a few days and return when everything has died down.
Apologise if you are wrong To err is human to forgive is divine. In this case, you should not concern yourself about whether you will be forgiven or not, just apologise and move on. Some will even come at you for your apologising.

4). Ignore
You can give it the silent treatment and continue with your life. You are getting attention notwithstanding if it is negative or positive. This is easier for celebrities.

5). See a psychologist
You can see a psychologist especially if the person's self-esteem has been battered and shattered.
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Some Technologies That Will Define Our Lives In The Next Decade

There is no gainsaying that technology is now a major part of our life. Some of these techs are playing significant roles in our lives, like social media; others are for the future.


These future techs will soon become widely available and if you are not prepared for it, you may find yourself out of the game. It will change a lot of things, especially in the way you work.

Here are some of these technologies that will define our lives in the future.

1). Internet of Things (IoT)
The Internet of things (IoT) is the ability of different devices to be able to communicate because they are embedded with electronics, software, sensors, actuators, and network connectivity which enable these objects to collect and exchange data. They are usually regarded as connected devices or smart devices. This also includes Wearable technologies.

2). Virtual Reality
Virtual Reality (VR) is a computer technology that adopts headsets to produce realistic images, sounds and other sensations that simulate a user's physical presence in a virtual or imaginary environment. Virtual Reality has been around for awhile now but it only recently becomes widely available. The technology has changed the way people explore. A good example of this is Google Earth VR that allows users to fly over a city, stand on mountains and even go into space.

3). Autonomous Vehicles
Google, Apple, Uber, Samsung, and other car production companies are investing billion of dollars in developing driverless or autonomous vehicles. Driverless cars are vehicles that do not require any human to drive it and does not need any fuel. A network of sensors has made this possible. There have been testing rides as well as several failures. But pretty soon, very few people will drive fueled SUVs.

4). Augmented Reality
A technology that superimposes a computer-generated image on a user's view of the real world. It is widely used in the gaming world. Pokemon Go is a perfect example of Augmented Reality.

5). Artificial Intelligence
Artificial Intelligence is the ability of a computer system to perform tasks that usually require human intelligence. Today, you find robots that serve as a receptionist, customer service and perform surgeries. In addition to this, you have voice assistant AIs like Siri, Alexa, or Cortana.
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Sunday, July 2, 2017

Some Things You Should Never Think of Removing From Your Budget

A budget is important for you to check your spending and finances. So, in a bid to survive on your budget, you may want to throw out some things. However and at the same time, there are things that are too important to get rid of.


Therefore, no matter what you earn, they must always feature in your budget.

Here are some things to never remove from your budget.

1). Car repair and maintenance
If you own a car, then you know that it could go haywire anytime. So, to keep your car in good working condition, you must make arrangements for repairs and maintenance in your budget. Ignoring this will result in the car completely breaking down and you have to spend more.

2). Healthy food
Your body needs to function and the fuel that can make this possible is nutritious and healthy food. But quite a number of people eat junk. Try to budget for healthy food so that you can eat proper food even if it is once a day.

3). Insurance
Nigerians are still skeptical about insurance. It is one of the first things that will be axed from a budget. But you cannot downplay the importance of insurance. Insurance is a contract, represented by a policy, in which an individual or entity receives financial protection or reimbursement against losses. Important insurance cover includes health, car, and fire insurance. Interestingly, the premium for this insurance is quite affordable.

4). Home repair and maintenance
If anything is damaged in your home, you should do something about it immediately before it becomes a huge problem. If you take care of that leak or crack now, it will be a less expensive than if you wait until it becomes very bad that you have no choice than to repair it.

5). Medical care
Going for a medical checkup at least twice a year will help guard against any form of disease or ailment. Like they say, prevention is better than cure. So, do not joke with your health and do not wait until you are ill before you accommodate medical care in your budget.
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Friday, June 30, 2017

6 Important Things To Consider Before Starting A Business


There are a number of extremely important factors to consider before a business investment, to protect your resources from the sometimes uncertain elements of an investment environment......

1). The Business
This is an obvious one. An investor needs to understand the business in which he/she is investing. Like Peter Lynch’s investment maxim says ‘Invest in what you know’. It will be difficult to be cheated in an investment, if you understand the rubrics of that business. Before investing in a business, study the business; the more you understand the business, the more confident you’ll feel about the investment. Additionally, talking to an expert - someone who knows the industry that interests you - can also help.

2). The Growth
In addition to understanding the business, it’s important to understand the growth of a business. Consider how the venture is growing – is its growth organic or does it have more of a buying growth? Also, consider how the company will grow. To help with this, an investor will need to dig into the key financial statements of the venture like the balance sheets, income statements and cash-flow statements.

3). The Exit Strategy
Understand and know the exit scenarios for the industry that will be best for you. As a responsible investor, it’s best to always be prepared and have an exit plan laid out either for when the venture reaches the ideal scale intended or when the venture doesn’t seem to be yielding the returns you expected. Either way, always have an exit strategy of some kind for every business investment.

4). Legal Counsel
A good number of investors overlook this very important factor, and end up running from pillar to post seeking legal counsel when things go wrong. Be sure to seek legal counsel on all crucial steps of the investment and be sure that every legal document associated with the investment is shown to a trusted lawyer for feedback. Prevention will always be better than cure, and in legal matters, ignorance or oversights is not an excuse. So avoid the avoidable by seeking legal counsel; you don't have to agree with all your lawyer’s points, but you should at least understand them and make your decision based on that understanding.

5). Your Comfort Zone on Risk Taking
All investments have some form of risk associated with it, so it’s therefore important to understand the risks of a business investment and first decide if the risks are what you can bear. If you can’t bear the worst case scenario and have no plan B to help deal with the worst case scenario, then it’s advisable to refrain from such investment. You must always consider your propensity for risk before putting your resources in a business investment.

6). Circumstances that Can Lead to Fraud
This is one of the most important factors on this list. There are a lot of scam artists out there looking to lure potential investors into their trap by making their ‘opportunity’ sound legitimate. But there is a limit to how well they can do this, and if you’re careful and vigilant enough you’ll be able to see through their facade. As a responsible investor, ensure you do your research well beforehand, ask questions and check out the answers with unbiased sources before you invest. Also, never rush into an investment. In fact, any investment that puts pressure on you or tries to rush you into it, is a fishy one. You should tread carefully. Always take your time and talk to trusted family and friends before investing. Never for any reason rush into an investment, regardless of the pressure.
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Wednesday, June 28, 2017

Hello Teelamford Ladies, Can You Rock This Swimsuit? (See Photos)


Would you rock this swimsuit which looks like the naked body of a man complete with hairs?..
Lol.
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Tuesday, June 27, 2017

Check Out These 5 Surprising Importance Of Playing Chess Game

The game of chess is often described as problem solving at its finest. It’s a game that requires strategic thinking, creativity, determination and even the ability to properly analyze body language. It’s a game that exercises the mind and is highly beneficial to mental and intellectual development.


Here are some 5 surprising importance of playing chess game.

1). Exercises Both Sides of the Brain
Studies have shown that playing chess involves the use of the brain’s left hemisphere (which deals with object recognition) and the brain’s right hemisphere (which deals with pattern recognition). Mainly because of the rules and techniques of the chess game, you end up effectively exercising and developing both sides of your brain over time.

2). Improves Thinking and Problem Solving Skills
Especially in children, learning and playing chess helps to significantly improve thinking, problem-solving and reading skills. The game’s complexity and the fact that problem-solving is foundational for tackling this complexity and winning the game, eventually helps to improve and develop the brain’s capacity and capability for thinking and problem solving overtime.

3). Improves the Brain’s Performance
Learning and playing a game like chess actually helps to stimulate the growth of dendrites (an extension of a nerve cell that conducts signals from the neuron cells in your brain to the neuron they are attached to).

The growth of these dendrites in turn helps increase the speed and improves the quality of neural communications throughout the brain. This increased processing power ultimately improves the brain’s performance.

4). It Helps Creativity
Mainly because playing chess exercises the right side of brain, it helps to enhance creativity and originality. The game greatly enhances creative abilities as it makes the player consider, analyze and prioritize a wide variety of possibilities.

Playing chess contributes significantly to growth and development in creative thinking.

5). It Improves Memory
The rules of the game that have to be remembered, alongside the memory recall needed to avoid mistakes and remember the specific opponent’s playing style, contribute to the memory improvement and optimization that playing chess offers. Playing chess largely helps to enhance memory performance and recall.
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Some Easy Ways To Discover Your Talent

Talent is natural aptitude or skill. This is the simple and precise result you will get when you Google talent. It is something that you can do effortlessly. While some people have discovered their talent at an early age, others are still struggling to find what they are good at. Even though it is important to uncover your talent from the onset, it is never too late.


Here are some ways to discover your talent and brings it up to the world.

1). Meditate
You have to take time out to meditate and open your mind to all paths. This is because talent comes in usual and unusual forms. Hence, you are likely to be blind to what some of your talents really are. A nice place to start when evaluating your talents is to meditate.

 2). Listen to others
Your friends or family members are usually aware of your talents even if you don’t. They must have told and complimented you about what you are great at. Try to listen to them more.

3). What do you find easy
There are things that you do with little or no stress that others find very difficult. That is probably your talent. You should grab it with both hands and try to hone it.

4). What you enjoy most
Your talents may be displaying itself in other ways. It may come in the form of what you love or enjoy doing especially during your free time. If you are attracted to it, it is your natural talent. You just need to be self-conscious.

5). Analyse times you were successful
Look back on your life and analyse the times you were successful. Sometimes what you are successful at can actually be your talent.

6). Subjects you are passionate about
Like earlier stated, talent comes in various form. So, ask yourself, is there a specific subject that you love to talk about to the extent that your friends tell you to shut up or keep quiet? Consider that subject, perhaps it may be one of your hidden talents.

7). Just ask your friends
Do not be ashamed to ask your close friends you know that will give you an honest answer about what they think your talents are. There is no need for them to talk about your flaws. Allow them to share the few things that they think you are good at.

8). Know what you spend your money on
Your values are connected with what you spend your money and time on. Look closer at what this can tell you about yourself. Remember, it must be something good and positive.
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Monday, June 26, 2017

5 Ways To Know A Evil and Wicked Person


As Christian counselors, pastors and people helpers we often have a hard time discerning between an evil heart and an ordinary sinner who messes up, who isn’t perfect, and full of weakness and sin.


I think one of the reasons we don’t “see” evil is because we find it so difficult to believe that evil individuals actually exist. We can’t imagine someone deceiving us with no conscience, hurting others with no remorse, spinning outrageous fabrications to ruin someone’s reputation, or pretending he or she is spiritually committed yet has no fear of God before his or her eyes.

The Bible clearly tells us that among God’s people there are wolves that wear sheep’s clothing (Jeremiah 23:14; Titus 1:10; Revelations 2:2).

 It’s true that every human heart is inclined toward sin (Romans 3:23), and that includes evil (Genesis 8:21; James 1:4).

We all miss God’ mark of moral perfection. However, most ordinary sinners do not happily indulge evil urges, nor do we feel good about having them. We feel ashamed and guilty, rightly so (Romans 7:19–21).

These things are not true of the evil heart. Here are 5 Things with an evil heart rather than an ordinary sinful heart and how to differently treat them

  1). Evil hearts are experts at creating confusion and contention.
They twist the facts, mislead, lie, avoid taking responsibility, deny reality, make up stories, and withhold information. (Psalms 5:8; 10:7).

2). Evil hearts are experts at fooling others.
But if you look at the fruit of their lives or the follow through of their words, you will find no real evidence of godly growth or change. It’s all smoke and mirrors. (Psalms 50:19; 52:2,3).

  3). Evil hearts crave and demand control.
They reject feedback, real accountability, and make up their own rules to live by. They use Scripture to their own advantage but ignore and reject passages that might require self-correction and repentance. (Romans 2:8; Psalms 10).

4). Evil hearts play on the sympathies of good-willed people.
 They demand mercy but give none themselves. They demand warmth, forgiveness, and intimacy from those they have harmed with no empathy for the pain they have caused and no real intention of making amends or working hard to rebuild broken trust. (Proverbs 21:10; 1 Peter 2:16; Jude 1:4).

5). Evil hearts have no conscience, no remorse.
They do not struggle against sin or evil—they delight in it—all the while masquerading as someone of noble character. (Proverbs 2:14–15; 10:23). If you are relating with anyone exhibiting these traits, be very careful. They try to pretend like Their actions have no serious consequences.
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Friday, June 23, 2017

Check Out The 5 Reasons Why Self Talking Is Not a Significant of Madness

It has long been described as a sign of madness, before scientists found that it was far from it. Talking to yourself or self-talk is an action that not only helps you materialize your thoughts, but also helps you make better sense of things.


Here are 5 reasons why talking to yourself is anything to be call craziness.

1). It Speeds Up Your Brain
Talking to yourself can actually help you complete tasks faster and helps improve your accuracy and performance. Repeating to yourself what you need to find or accomplish helps spark your memory and speeds up the rate at which your brain works in helping to accomplish the task. Talking to yourself also helps improve your self-control, reduces impulsive behavior and even helps improve your decision making.

2). It Helps You Organize Your Thoughts
When you’re confused or when it seems like your thoughts are running rampant through your mind, talking to yourself help you organize these wild and confusing thoughts. Conversing with yourself, especially when there’s no one around to really talk to, help you get a grip and clarify your thoughts enough to tend to what’s important and make decisions on whatever you’re contemplating.

3). It Helps To Improve Focus and Behaviour
Talking yourself through tasks helps improve your focus and helps you to better adjust your behavior to suit the work at hand. Verbally announcing each step of a task to yourself can actually help you perform much better at it because of improved focus, and it also makes it easier for you to set goals for yourself. So, next time you need to carry out a tasking, tricky or confusing project, try giving yourself verbal directions (in other words, try talking yourself through it). You’ll notice that your spoken statements actually help you determine what your next move should be, and what behavior you will need to complete the project.

4). It Helps You Feel Less Anxious
Giving yourself a quick talk out loud when you need to calm your nerves helps relax you, makes you less anxious and actually increases your chances of performing better. Talking or conversing with yourself before a stressful event can help you relax. Using second person phrases or pronouns during your ‘self-talk’ does a lot in helping you build confidence; this is because talking to yourself with second person pronouns helps create a psychological distance from the event, which allows you manage your nervous and anxious emotions much better.

5). It Can Improve Your Success Rate
Encouraging yourself out loud increases your chances of succeeding. Speaking positive and encouraging words to yourself especially when working to complete a task or achieve a goal, increases your chances of overall success in the task. Of course, this does not take the place of actual knowledge, hard work and effort, but it does make your odds of success a tad better. In addition, encouraging yourself is not enough; you have to take note of the pronouns you use to encourage yourself. Studies show that encouraging yourself with second person pronouns actually has greater benefit than first-person pronouns. Second person pronouns reminds you of not only of yourselves but of those who believed or believe in you, and this in turn gives you an ego boost as well motivates you and grows your confidence to keep pushing.
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Some Senseless Things Most Nigerians Do After An Accident Occur

Having an accident, fatal or not, is not something that anyone wants to encounter. Regardless, when it happens, you have to look for ways to resolve the situation as quickly as possible. This said, you expect some sane and normal actions taken by the people at the accident spot. However, for some Nigerians, it is different.


They completely do the opposite of what you expect and it can be very annoying.

Here are some of the seriously annoying and senseless things some Nigerians do after an accident.

1). They leave their car on the road
When you bashed another person's car, you find them arguing and exchanging angry words right in the middle of the road. They do not really care if their actions result in a long traffic or notorious queue. Why can't both of you get off the road and find a solution? In other cases, when a car has an accident, you still find it at that same spot for weeks.

2). Crowd the scene as if they are watching a movie
Imagine an accident scene and people simply gather round shouting, some crying, while others just watch what is happening like a movie. They will not allow the emergency services to work and in some circumstances, the police have to shoot in the air to disperse the crowd.

3). As an opportunity for some to "steal"
In a crowd, you find the good, the bad and the ugly. The mission of certain people is just to steal. They steal phones, wallets, and other valuables. They do not even care if it is the properties of the person involved in the accident. Unfortunate!

4). They started taking pictures
The technology age is here. The urge to take selfies and pictures have made some people become uncaring and unconcerned about others. At an accident scene, you find people taking pictures to post on social media just to get likes and comments. Meanwhile, an individual is lying there in a pool of blood.

5). They refuse to help the victims
This is probably the worse of all. You just wring in pain when you see people around you but they refuse to ferry you to the hospital or offer first aid. Sometimes, it is not their fault because the police may just come around and accuse you of something you do not know anything about. Nigerians prefer to wait until the emergency services and police arrive. But at that short time, a precious life may be lost. Let us lend a helping hand.
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Check Out This 5 Things Most Couples Get Wrong About Money And Possible Solution's To It

“Want to head to the mall with me?” my friend asked one Friday evening.

“Actually, I do need stuff for the kids,” I said. “Great sales are going on.”

I hopped in her car and she began, “I’m so mad at Jim. I’m actually furious. Ignoring my point of view, with most of our credit cards maxed out, he put a down payment on a boat. He knows how I feel about that. But he did what he wanted.”


My friend’s money disagreements were as familiar to me as our shopping trips. Gene and I had the same misalignments of our priorities. I was the saver and he the spender. And we, too, had the same arguments.

“So,” my friend continued, “I think I’ll show him that I can also spend money. In fact, I will get that ring I’ve been wanting for a long time. If he can do what he wants, so can I.”

Should a financial counselor have been riding in the back seat, no doubt, he would have given his professional assessment. And the truth about relationships and money would have been echoing loudly.

So often, as experts agree, money is often misused, abused and used to accuse. In the case of my friend, the boat and the ring were weapons to be used against each other.

Gene and I had to work hard to overcome that struggle and set up a budget. But sadly, my friend’s marriage ended in divorce before the last payment on the boat was made.

Unchecked differences in handling money that lead to discord are Satan’s effective weapons. They cause emotional separation from the one to whom we said “I do.”

But what we do instead is bring our relationship in the red when we do these five things:

1). Being Convinced Money Means Security
That was me. I had come from Bolivia. And with scarcity of every aspect, money to buy food had been a priority. Therefore, making sure we had a nice savings cushion was vital for me. And when Gene wanted to invest our savings in a business venture, I cringed at the risk. I resisted and he felt stifled by my lack of vision.

Fights and more fights dampened our romance. He was unhappy because I put a stop to his seemingly sound financial decisions. And I felt dismissed because he didn’t heed my warnings.

Solution:
I changed. My eyes had to be focused on God as my true provider and source of my security. And I began seeking His wisdom to guide Gene’s financial decisions. I trusted more in God to shield us as we remained true to our tithing commitment.

2). Choosing to Have Separate Accounts
Today more than ever, assertions of our own individuality are encouraged and keeping his and hers accounts is a popular concept. But does this separation truly reflect the union God instructs in marriage?

Popular author and radio host, Dave Ramsey writes, “Marriage is a partnership. The preacher said, ‘and now you are one.’ Both parties need to be involved in the finances. Separating the money and splitting the bills is a bad idea.”

“For this reason a man will leave his father and mother and be united to his wife, and they will become one flesh.” (Genesis 2:24)

Solution:
Realize that it’s illogical to be one flesh, one heart, and one in goals, but two in finances.

3). Using Money as a Symbol of Status, Prestige, or Success
Wayne and Mary* had returned from a counselor session. Their problem that had separated them for over a year had surged because of Wayne’s drive to create a specific status.

The relentless climb to the top of his company had blinded him from seeing how he had neglected his family. His frequent business trips and long hours in the office created distance between he and Mary. The more she expressed the need to have him home and be part of the children’s lives, the more he resisted.

His goal was to become a successful executive and thus, be a better provider for the family. And for the children, he would set an example of hard work needed to succeed.

Solution:
They both came to a point of reconciliation when God became their focus. They made Him the Lord of their lives. Wayne recognized his mistaken values and goals. Mary realized the demands she made upon him without first seeking God’s intervention.

4). Avoiding Discussing the Topic
No spouse enjoys tension, fights, or disagreements. And to stay away from the unpleasant encounters, couples have chosen to ignore the elephant in the room. Often it’s so big others notice it, but they choose to overlook it. Couples who avoid confrontation often end up with resentment stored inside until it leads to financial ruin or emotional disaster.

Solution:
The Bible says in Matthew 5:9, “Blessed are the peacemakers, for they will be called sons of God.”

Many times, in order to “make” peace, issues need to be aired out, details analyzed, emotions and feelings shared. Peace cannot reign when emotions of resentment, worry, and fear rumble inside. Peace brushes a relationship when open communication, kind understanding, and committed obedience to God’s ways rule in a marriage.

5). Placing Blame
How good it feels to put the blame on the other spouse because in a distorted sort of way, it gives us a way out. Blaming the other sets us free to say, “It’s not me; it’s you who’s the problem.” And in doing so, the real “us” is revealed.

“How couples handle money says a lot about how they see themselves,” says Joan Atwood, a New York marriage and family therapist and professor of counseling and mental health professions at Hofstra University.

Blaming our spouse speaks of our own anxiety and inability to be open to a reasonable solution.

And to make it worse, “…opposites often attract. Spenders attract hoarders, and worriers attract avoiders,” Dr. Atwood said.

“Even in relationships where styles are similar, one partner may push the other into change. Spenders will fight to be the super-spender, thus forcing the other to become more of a hoarder in order to set a boundary,” she said.

Then blame fuels the flame that turns into the fire of resentment.

Solution:
No one but God can change a person. And He begins that change when we choose to apply love, the genuine love outlined in 1 Corinthians 13:4-6, “Love is patient, love is kind. It does not envy, it does not boast, it is not proud. It is not rude, it is not self-seeking, it is not easily angered, and it keeps no record of wrongs.”

- In our 40 years of marriage, at one time or another, Gene and I have fallen in each of these five traps. But when investing in our relationship, we bought stock in God’s Word. We receive dividends of His provision. We consistently deposit our tithes. And each month, we count on a large balance of God’s grace to carry us.
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Tuesday, June 20, 2017

How To Be Better and Not Bitter

If you’re reading this right now, I would gather that you either want to know how to be better and not bitter, or you want to help someone else in this case. Whatever your position, I’m glad you’re here. Because we need to have the conversation about it. And the reason being is so that healing can begin to take place. So…are you ready?


Usually, bitterness doesn’t just happen. It’s a bit of a process. It’s slow, sneaky, and it can be vicious if not checked. It often stems from some form of hurt, offense, injustice, or disagreement. And again, if these described emotions are not dealt with, then a root of bitterness will begin to grow. It’s inevitable.

But you have a choice. You can choose to be better and not bitter. I need to say that choosing to be or stay bitter is sinful.

It’s true. And it’s not God’s way. But I think you know that already, and that’s why you’re here. Because you DON’T want to be bitter or you don’t want others you know to be in this place either.

So here’s how healing takes place. I’ll start with the biblical ways first and then I’ll share some practical tips on how to overcome and defeat this life-sucking, hindering spirit. Here goes..

Biblical Perspective:

Ephesians 4:31-32, “Get rid of all bitterness, rage, anger, harsh words, and slander, as well as all types of malicious behavior. Instead, be kind to each other, tenderhearted, forgiving one another, just as God through Christ Jesus has forgiven you.”

Proverbs 20:22, “Don’t say, ‘I will get even for this wrong.’ Wait for the Lord to handle the matter.”

Proverbs 10:12, “Hatred stirs up quarrels, but love makes up for all offenses.”

Hebrews 12:15, “…Watch out that no poisonous root of bitterness grows up to trouble you, corrupting many.”

Romans 12:17-18, “Never pay back evil with more evil. Do things in such a way that everyone can see you are honorable. Do all that you can to live in peace with everyone.”

Romans 12:19-20, “Dear friends, never take revenge. Leave that to the righteous anger of God. For Scriptures say, ‘I will take revenge; I will pay them back, says the Lord. Instead, ‘If you enemies are hungry, feed them. If they are thirsty, give them something to drink. In doing so, you will heap burning coals of shame on their heads.”

Romans 12:21, “Don’t let evil conquer you, but conquer evil by doing good.”

Let God’s word have weight in your life and get rid of bitterness, my sister. It’s really all about letting God work on your behalf, while also taking the action steps to responding well as a Christian woman.

Trust me. The devil would LOVE for you to treat those who have hurt you angrily and against what God’s word says. But don’t give him the satisfaction.

Now here’s some practical advice that I promised..

Watch out for self-deception. Because sometimes there can be an undercurrent of bitterness whereas you think you’re not bitter, but you actually are. The acid test to see if bitterness is creeping into your heart is dependent upon how you feel when the individual comes to mind or name is mentioned. What emotions arise? Is it anger and resentment or love and forgiveness?

Personally, I know the feeling of being bitter. I know the onslaught when the enemy brings it on and I know when it’s creeping into my heart. I can sense it. I can tell by how I feel. And the Holy Spirit convicts me when it’s present. But…I wasn’t always able to recognize it.

Before I started living the Christian life according to God’s word and with conviction, I allowed bitterness to run rampant in my life. Meaning, if I was upset with someone, that individual would know it to the fullest extent! Yet, it wasn’t until I learned through good teaching and the word of God that bitterness is destructive and a hindrance to my spiritual growth and productivity. And it’s sin. So guess what? I had to let it go!

And I want to teach you to do the same thing. Let it go! Don’t let it rob you of your joy, productivity, or love. Don’t let it steal your peace. Don’t allow it to cause you to be mean, angry, or slanderous and destroy good relationships. Don’t forget, our great enemy Satan comes to steal, kill, and to destroy, but Jesus came that you would have life more abundantly.

So LIVE. Live the abundant life in Christ, my sister. Don’t let the enemy rob you of your right to forgive, love people deeper, and dwell in peace as much as possible with others as the Bible states. Instead, choose to be the bigger person, let go, and MOVE ON. Because guess what? Most likely, while you’re still angry, that individual or individuals have moved on.

With that being said, instead of waking up thinking about the offense or the person who hurt you, set your thoughts on things that are pure and lovely, and on things above, not on things on the earth as Philippians 4:8 and Colossians 3:2 states. Think about how you will be wanted to answer by Jesus.


I want to say this before I close this post. If you’re bitter right now, or if you feel it creeping up inside of you, I urge you to carve it out of your heart today. Circumcise it with God’s word and get free.

Also, if you haven’t made things right with the individual who hurt you, do so. And if you have done so already, remember…let it go and move on.

It’s time to be free. Make the choice to be better, not bitter today. Do it for you and for others.

Remember, Jesus is coming back soon. And those who endure unto the end, shall be saved. Let’s be ready from the Inside Out.
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Check Out These 5 Habits You Can Find In Charismatic People

Being likable is not rocket science, but a number of people a firm in their belief that they don’t care about being liked. However, when push comes to shove knowing your way around relating with people and being able to win them over is an important skill that you will find very essential in moving up the ladder of success.


Here are 5 habits of charismatic people...

1). They Listen More Than They Speak
When charismatic people relate with others, they make them feel heard. Many people like to talk with and relate with them because of how actively they seem to listen and give useful feedback; and the fact is that people tend to like and remember good listeners positively.

2). They’re Genuine People
Or at least they are very good at seeming genuine and this is what draws people to them. People typically like those they perceive to be genuine and humble, and charismatic people have that going for them. They are perceived to be genuine and most of them actually are. A charismatic person’s genuineness coupled with a kind personality will gagner instant like from others.

3). They Stand Up Tall
Charismatic people have a certain ‘swag’. They stand up tall and have an appealing mien. Their gait and mannerisms are smart, and there something inherently attractive about their carriage that draws people to them. They of course have a good posture, whether sitting, standing or walking, and that makes them appear more secure and confident. This is another characteristic that people admire in them, which makes them likeable.

4). They Build Confidence in Others
When people spend time around a charismatic person, they feel better about themselves, or they at least come away feeling inspired or motivated in some sort of way. This makes charismatic people likeable and makes many people want to be around them. The fact is charismatic people tend to build confidence in others by giving credits and complements where they are due to make others feel important, and also by constructively critiquing those whose actions need to be reformed. When dealing with others, charismatic people mainly focus on the importance of this saying, “It’s not what you say, but how you say it?”

5). Remember Names
Charismatic people go to far lengths to either know the name or find a system of remembering the name of others around them. Like Dale Carnegie said, ‘a person’s name is to him or her the sweetest and most important sound in any language’, and charismatic people understand this fact very well. It’s why they are sure to put effort into finding a way to remember the names of those around them. In the event, they actually forget the name of a person they are very polite about how they go about asking for it again and will hardly forget it a second time.
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Monday, June 19, 2017

Check Out These 9 Prayers Husband's Should Pray Over Their Wife's

Husbands, this is a call to action!

Prayer has immeasurable capabilities to transform the reality around us. Prayer moves the hand of God. Through our prayers He moves, transforms, and heals us.


I love this quote: “Without Him we can’t, and without us He won’t.” Meaning, we are the hands and feet of the Lord. He is our strength and power, but He demands our participation.

We are called to be the hands and feet, and this starts in prayer.

Here are 9 prayers you can pray over your wife.

1). Her Friendships
Dear Lord, thank you for the friendship I have with my wife. I ask that it deepens in closeness and oneness as the years pass. I pray that I grow in knowledge so I may love her better. Lord, I ask that my wife (Audrey) has girlfriends that are encouraging, uplifting and followers of Jesus. I want her to feel safe and secure when she hangs out with them. I pray that they are a source of joy in her life, filling her up with laughter and positive memories to treasure forever. I Pray that she has older women friends that lead her in wisdom, faith, and maturity. Jesus, I ask that you continue to nurture Audrey’s new friendships, and bring more depth to the old friendships. May she lead by example in her friendships. In Jesus name, amen.

2). Peace
Jesus, you are the prince of peace! Thank you for sending us the Holy Spirit. Holy Spirit I pray that you grant Audrey with a peace beyond all understanding. That she feels safe and calm in circumstances where it doesn’t make sense. Holy Spirit give Audrey the ability to see through her struggles and set her sights and mind on you. I pray that she reacts first with prayer, and that she casts all her worries, fears, and doubts at the foot of your cross. May Audrey be marked by her peace. 1 Peter 5:7. Holy Spirit fill Audrey up with your presence. I pray that Audrey always pursues peace and that she will be known as a peacemaker. Let peace rule in her heart. Colossians 3:15. Jesus I pray that Audrey adopts (and continues to adopt) a heart of thankfulness, and through her thankfulness rests in peace because of your provision. In Jesus name, Amen.

3). Confidence
Dear Lord, I pray for Audrey’s confidence. That it is unshaken by the critics of this world. I pray that she finds her value, beauty and worth in you alone. Give her a confidence in her Identity that cannot be overlooked by others. I pray that in her confidence Audrey is a beacon for the broken and hurt that they might see you and your glory through her. Help me to also build up her confidence with words and actions. I pray that Audrey seeks to be nobody but herself, that she can live into the fullest version of herself according to your scriptures, your plan for her life, and design for our family. I pray that she’ll be filled with joy knowing that she has confidence in herself, and who she is becoming. Jesus thank you for a wife that seeks after you, I pray that together we can grow in our confidence of you, and be unshaken as we grow into our truest identities which are rooted in you. In Jesus name, amen.

4). Safety/Protection
Jesus, you are worthy to be praised! I pray for Audrey and her safety. Keep her healthy and safe as she lives out each day. I pray for protection over her mind as she reads things on the internet, and encounters false teachings. Holy Spirit, protect her mind and keep her nudged in the correct direction towards truth. Jesus, I pray the full armor and shield of protection over Audrey. I pray that she is blessed with good health and a body that functions to its fullest potential. I pray that I am able to provide for and protect her so that she feels well cared for, safe, treasured, and protected. Jesus, I pray for wisdom and leadership as I have been tasked with washing her with the Word (Ephesians 5:26) that you grant me a pure heart, and wisdom. Jesus, protect my wife from all spiritual attacks. Protect her against the efforts of the evil one and his affiliates. You called us to walk as children of the light (1 Thessalonians 5:5) and I pray that you protect the mind, heart, body and soul of Audrey as she strives to do just that. In Jesus name, Amen.

5). Motherhood
Lord thank you for who Audrey is. Thank you for making her exactly who she is, and who she will be. Your work is so beautiful, thank you for entrusting me with the protection of Audrey. I pray for her body, mind, and spirit when she enters motherhood. I pray that the transition into motherhood is a seamless and healthy adventure. Give Audrey extra strength, endurance, and patience through that time. I know she will be an amazing mother, and I ask that she be filled with value, beauty, and worth. Protect her emotions during that time and help me even further lose all selfishness so I can serve her and our family to the best of my abilities. In Jesus name, amen.

6). Fear
Lord, I pray that nothing will ever cause Audrey to be fearful or terrified. I pray that she will never lose control of her emotions and fall into fear out of anxiety or stress. I pray that Audrey always remains strong in her faith and that it will stand as a hedge against any unnecessary fears. Giver her a mind of discernment that cuts through all the noise so she won’t be dismantled or misguided from lack of direction. I pray that in all situations Audrey will act out of inspiration from the Holy Spirit and not of her flesh. Jesus, I pray that I can provide to the best of my abilities a safe environment for her, help me become the man I am supposed to be in order to do this. In Jesus name, amen.

7). Truth
Lord, you are truth. We believe in you and your Word. I pray that Audrey’s foundation in never shaken. That she stands strong in her faith all her life and grows into a shining light for your kingdom and purposes. Lord, I pray that the reality of your existence is always tangible and made clear to Audrey. I pray that truth is discerned and made known to her. I pray that through wisdom and discernment she can successfully relay the reality of truth to friends, family and the world who do not know you, in a way that is receivable. Give her the ability to point people to you, for the sake of truth Lord. I pray for the hearts of people lost in life that their souls are convicted so that that may come to know you and that Audrey can be a vehicle for your works. May Audrey be a kingdom warrior for your reality, and the promised kingdom to come. In Jesus name, amen.

8). Love
Dear heavenly father, I pray for the heart of Audrey that she will always feel loved by me. Help me understand her more and on deeper levels as the days go by so I can love her the way she needs and wants to be loved. Help me become a man that loves her like Christ loved the church. Jesus, I pray that Audrey always feels loved by you. That she never forgets what you did for her. I pray that the reality that you are coming back is enough to motivate her to pursue a relationship with you and fall deeply in love with you. Lord, I pray that love abounds in her so she can permeate love and freely give it away because she is constantly filled up with it. In Jesus name, amen.

9). Wisdom
Dear Lord, grant Audrey wisdom. I pray that she is daily filled with understanding and wisdom. I pray that as she grows in her apprenticeship of you Jesus that she will understand the things of the spirit and continually grow into a Godly woman. I pray that she continually asks for wisdom and understanding, for you say that you will grant it to those that ask (James 1:5). Lord, I pray that Audrey has discernment with the wisdom you entrust her with, that she uses it wisely and effectively. I pray that Audrey always has older women around her that will mentor her, build her up and speak wisdom into her. I pray that as Audrey spends time in the word that you speak to her and in her. I pray that she is always more concerned with the work that you are doing in her than through her so that she can one day be an example to new believers. Lord thank you for the mind of my wife and her passion to know you. In Jesus name, Amen
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Wednesday, June 14, 2017

6 Amazing Lessons You Should Learn About Money


Here are tge 6 Things you should learn about money.

1). Learn How to Think about Money
Yes there is in fact a way to think about money. You must always have a plan for your money. Many people are either intimidated by money or are just plain afraid of it. You should try to understand your emotions and preconceived feelings about money. Think about how you feel about money; think about your ability to earn it. Think about ways to save your money and how to manage it wisely. Think positively and proactively about your money, this enhances your feeling of control over your money.

2). Learn How to Act on Your Thoughts about Money
It’s not enough to just envision the great things you intend to do with your money, you should learn to act on it and execute it. It’s not enough to just think about money or plan with it; you need to take action on it. Set goals for yourself and take guided action on it to achieve the desired results. Don’t be reckless with the execution of your ‘money plans’. Be wise, careful and meticulous. If you’re doubtful of how effective this is, give it a shot and see.

3). Learn How to Talk about Money
Money is such a sensitive topic in a wide range of settings; therefore you must learn how to talk about money to gain better control of your money and finances. You can’t run away from it, it simply must be done. Learning to regularly discuss about money helps ease things out and makes money matters become less of a taboo or a hot topic. There is an acronym called HALT, which you should consider during or when initiating financial conversations. Don’t have a money conversation with someone who is Hungry, Angry, Lonely or Tired. Every other time outside these four are fine; common sense will guide you through the rest.

4). Learn to Live Within Your Means
This speaks for itself. There is nothing more to be said on this point again. Live within your means. The key to financial success is learning to modify yourself to live either slightly or even below your means, never above. There are a lot of ways to live comfortably without spending every penny, but this fact eludes so many. You should look at your budget and spending habits as a kind of “project that needs monitoring and occasional adjustments” and be disciplined about it. Keep tabs on your spending and learn to hold yourself accountable, before someone else does in an extremely embarrassing way.

5). Learn How to Budget Better and Prioritize Your Spending
People wrongly equate budgeting with some form of self-sacrifice; however budgeting is simply being responsible with your money. It’s taking care of your money to be sure it’s in the best possible shape, just like you do with your body and health. Money is too important to be reckless with it, so you need to learn to budget and learn to budget well. Have a reasonable budget that responsibly (the key word is responsibly) caters to your necessary needs, and prioritize your expenses to help you spend wisely. Let your budget and goals match your spending priorities, this way you get to have better control over your money.

6). Learn to Save
Don’t just save for the sake of saving, save because you understand what saving is doing for you and your future financial goals. Also, be sure to never forgo your ‘rainy-day fund’ or ‘emergency savings’, because whether you like it or not there will always be a rainy day. Some banks can help with this, as they have flexible and reasonable saving schemes to prepare for these times. Also, insurance is another good way to save for rainy days or emergencies. Don’t think insurance and insurance companies are useless. That could very likely be a mistake on your part.
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