Tested Ways To Regain Balance.

#Tuesday Motivation.

The Big Picture.

"Purpose is not about what we do and how fast we do it; but why we do it, and how we do it."

As the old cliché states;"The end justifies the means".

Most times we experience road blocks to our well thought plans. Its quite disheartening to find out all your efforts has gone down the drain in the twinkle of an eye.

Nevertheless,it doesn't matter how many times you fail or flounder at accomplishing a task; that's not important,what is very vital is how dogged and sturdy you approached obstacles until you reach your envisioned target.

"The Road To Hell Is Paved With Good Intentions."

Your assignment must become your obsession. You will only have significant success in something that is an obsession. You will only succeed in the center of your assignment.

• Life is a beautiful song-Determine to sing it out.
• Life is a duty-Determine to perform it.
• Life is an assignment-Determine to carry it out.
• Life is a task-Determine to do it.
• Life is a goal-Determine to score it.
• Life is a war-Determine to fight it.
• Life is a mystery-Determine to unravel it.
• Life is a race-Determine to run it.
• Life is a challenge-Determine to face it.
• Life is a problem-Determine to solve it.

As you go through life just like any other adventure,you may lose some battles but never take your eyes off winning the war; that's the mentality of winners and champions.

Determination In Relation To A Successful Life Is;

1. FOCUS.
2. DISCRETION.
3. PURPOSE.
4. PRINCIPLE.
5. DISCIPLINE.
6. PERSISTENCE.
7. PLANNING.
8. BRAVERY.
9. DEDICATION.
10. DRIVE.
11. PERSEVERANCE.
12. TENACITY.
13. RESILIENCE.
14. OPTIMISM.
15. RESOLUTION.
16. GUTS.
17. COURAGE.
18. INDOMITABLE.

And most importantly;

    19.FAITH.

    20.HARDWORK.

Come in! See how the wealthy spend their money.

Andrew Carnegie was an industrialist,businessman and philanthropist. 

In his final days, Carnegie suffered from pneumonia. Before his death on August 11, 1919, Carnegie had donated $350,695,654 for various causes. 

The "Andrew Carnegie Dictum" was;

1. To spend the first third of one's life getting all the education one can.
2. To spend the next third making all the money one can.
3. To spend the last third giving it all away for worthwhile causes.

A serial Entrepreneur,before his death he was;

• Founder and chairman of Carnegie Steel Company.
• Founder of Carnegie Corporation of New York.
• Founder of Carnegie Endowment for International Peace.
• Founder of Carnegie Institution for Science, Carnegie Mellon University and Carnegie Trust for the Universities of Scotland.
• Founder of Carnegie Hero Fund.

Some few persons have decided to emulate him,thereby keeping the classic legacy of the man from Dunfermline.

Meet The Super Rich And Generous.

1. BILL GATES.

Throughout his lifetime, Bill Gates has made $27 billion worth of donations. He spends most of his time managing philanthropic projects under the umbrella of the Bill & Melinda Gates Foundation. Gates co-founded Microsoft, which became the world’s largest software company.

2. WARREN BUFFETT.

The chairman and CEO Berkshire Hathaway, Warren Buffett is one of the very wealthy and generous people in the world. To date, he has donated $21.5 billion. In 2006, he pledged to donate 85% of his wealth to the Bill & Melinda Gates Foundation, and to other foundations set up by family members.

3. GEORGE SOROS.

The Hungarian-born investor, author, and philanthropist is the chairman of Soros Fund Management. He is nicknamed The Man Who Broke the Bank of England because he short sold $10 billion worth of British pounds and made a profit of $1 billion. It was during 1992’s Black Wednesday UK currency crisis. He has donated $8 billion to charities in the community development, social services, health, and education sectors.

4. AZIM PREMJI.

Azim Premji is an Indian business tycoon, investor, and philanthropist. He is the chairman of Wipro Limited, an IT consulting company. He was the first Indian to sign the Giving Pledge. “I strongly believe that those of us, who are privileged to have wealth, should contribute significantly to try and create a better world for the millions who are far less privileged,” he once said. So far, he donated $8 billion of his wealth.

5. CHARLES FRANCIS FEENEY.

Charles Francis Feeney is often called the “James Bond of philanthropy.” He made his fortune as a co-founder of the Duty-Free Shoppers Group. Determined to give away his entire fortune, the philanthropist who has a current net worth of $1.5 million, has already donated $6.3 billion to charities. His foundations support education, science, healthcare, and civil rights across several countries, including the US, Vietnam, and Bermuda.

The list goes on and on....Endeavor to share no matter how small you have now. Put a smile on someone's face today,be the herald of hope in someone's life.

"Do what you can,with what you have,where you are." 

#Monday Motivation.

Prioritize Self Investment in 2017.

Investing in your personal growth may be the most profitable investment you ever make. The most certain way to achieve a better quality life, success, productivity, and satisfaction is to place priority on investing in both personal and professional growth. The effort you put into consistently investing in yourself plays a major role in determining the quality of your business and life generally now and in years to come.

Here are ways you can invest in yourself, to ensure that you keep moving forward and growing as a person and a business owner without spending so much;

• Develop Your Skill 

By “Developing your skills”,I do not mean investing in actual education (as in conventional schooling), though that’s surely an option, and perhaps a necessary one depending on your career field. I mean investing in your knowledge and skills. This isn’t limited to that area and can take different forms.

• Engage in hands-on and practical adventures

There are a lot of skill investment areas readily available in your locality waiting for you to notice and exploit them.

• Advance Education

Extra classes, important certifications and higher degrees are all helpful investments.

• Expand your knowledge

There are a lot of information readily available on almost all subjects. It is important that you make reading a habit, read books, articles, subscribe to publications, read expert blogs or anything related to your talent or skill. Stay abreast of the latest trends or advancements, it keeps you generally informed.

• Utilize Available training's. 

Enroll in workshops, attend conferences or participate in webinars as much as you can, they go a long way in improving one’s self.

• Explore Your Creative Side

There is a high level of creativity within most of us that has never been revealed or certainly hasn’t been used to its highest potential. Creativity in whatever form we may have it, helps us grow personally and professionally. It is important to note that creativity has a lot of faces and is not only limited to being a graphic designer or a painter, it’s also about trying new things.

You may decide to learn a new language by taking a class or using a language training software.

You may decide to write something, a book, a short story or a poem.

You may decide to explore the outside world, learn something totally outside your field.

Choose some form of activity that you have never tried, haven’t practiced in years, or have never explored fully.

• Treat Yourself

Do not be scared to spend money, funds should be put in place to allow you recognize milestones and celebrate your progress. Use such funds to take a weekend trip (and a quick break from your shop), probably have a nice dinner with a friend or your significant other or do something out of the usual norm.
I remember my third visit to Lagos. One sunny morning,I was strolling through Marina and somehow I managed to notice bookstores on both sides of the boulevard amidst the tall buildings and subconsciously I decided to visit one of them. I was fascinated by the plethora of books and their titles. This was my first time to visit such place compared to my antecedents,so I ended up buying four books,namely;

1. HOW TO STOP WORRYING by Dale Carnegie.
2. WHY  A STUDENTS WORK FOR C STUDENTS by Robert Kiyosaki.
3. MASTERY by Robert Greene.
4. BEFORE YOU DO by T.D Jakes.

Overall, investing in yourself truly makes a difference in your life and your ability to thrive and perform your best. The extent to which you invest in yourself shapes the way you interact with the outside world. Your future is largely determined by your willingness to invest in yourself now.

HAPPY 2017'.....ENDEAVOR TO BE THE BEST.

Seven Cardinal Rules for Living A Progressive Life.

Budgeting,Saving and Spending.

''A budget isn't about restricting what you can spend. It gives you permission to spend without guilt or regret.''

Budgeting is the process of creating a plan to spend your money. This spending plan is called a budget. Creating this spending plan allows you to determine in advance whether you will have enough money to do the things you need to do or would like to do. Budgeting is simply balancing your expenses with your income.

Budgeting is the most fundamental and useful tool for managing your money. Many individuals avoid doing it as they think it would prevent them from spending and enjoying. However, budgeting does not stop you from enjoying stuff; in fact, it ensures that you enjoy stuff when you want it. Following are other reasons why budgeting is significant.

If you are in the dark about how much money you spend and where you spend it, then changing your habits will be difficult. Even if you are financially comfortable, a budget can help you identify nonessential expenditures and figure out ways to redirect funds towards your priorities. For instance, if you do not realize you spend #20,000 per month on clothes, it will be tough to break that habit and utilize that money toward a priority. Most importantly, if you are trying to get out of debt, it is essential to budget your limited funds so that debt payoff becomes your priority.

To cut back on expenses, you need to see where your money is going so that you can restrict yourself to a specific amount per spending category and utilize a method, such as an envelope budgeting system, to make sure you do not overspend. 

Additionally, you should research ways to save on groceries, monthly utility bills, and TV and internet services. If you still have a budget shortage, go for more aggressive cutbacks such as cutting out cable entirely or find ideas to generate extra income in your spare time.

If you do not have a budget, there is no way you can know if you can afford a new car, new flat-screen TV, or any other significant purchase. In fact, if your finances are one great mystery, your mere desire to buy an item might justify the expense. Even if the object of your desire is currently out of reach, you can budget for it. Besides, it is never harmful to have a little extra money in your emergency fund, and budgeting can help you save more so that you can sock away extra cash for a rainy day.

Creating and following a budget involves sacrifice and self-discipline. The sacrifice is worth it as it will help you develop wise spending habits to manage your finances more efficiently now as well as in the future. You should keep your budget current by updating it regularly to reflect changes in your situation such as a marriage, new home or raise.

5 Types of Budgets for Businesses.

Budgets help businesses track and manage their resources. Businesses use a variety of budgets to measure their spending and develop effective strategies for maximizing their assets and revenues. The following types of budgets are commonly used by businesses.

• Master Budget

A master budget is an aggregate of a company's individual budgets designed to present a complete picture of its financial activity and health. The master budget combines factors like sales, operating expenses, assets, and income streams to allow companies to establish goals and evaluate their overall performance, as well as that of individual cost centers within the organization. Master budgets are often used in larger companies to keep all individual managers aligned.

• Operating Budget

An operating budget is a forecast and analysis of projected income and expenses over the course of a specified time period. To create an accurate picture, operating budgets must account for factors such as sales, production, labor costs, materials costs, overhead, manufacturing costs, and administrative expenses. Operating budgets are generally created on a weekly, monthly, or yearly basis. A manager might compare these reports month after month to see if a company is overspending on supplies.

• Cash Flow Budget

A cash flow budget is a means of projecting how and when cash comes in and flows out of a business within a specified time period. It can be useful in helping a company determine whether it's managing its cash wisely. Cash flow budgets consider factors such as accounts payable and accounts receivable to assess whether a company has ample cash on hand to continue operating, the extent to which it is using its cash productively, and its likelihood of generating cash in the near future. A construction company, for example, might use its cash flow budget to determine whether it can start a new building project before getting paid for the work it has in progress.

• Financial Budget

A financial budget presents a company's strategy for managing its assets, cash flow, income, and expenses. A financial budget is used to establish a picture of a company's financial health and present a comprehensive overview of its spending relative to revenues from core operations. A software company, for instance, might use its financial budget to determine its value in the context of a public stock offering or merger.

• Static Budget

A static budget is a fixed budget that remains unaltered regardless of changes in factors such as sales volume or revenue. A plumbing supply company, for example, might have a static budget in place each year for warehousing and storage, regardless of how much inventory it moves in and out due to increased or decreased sales.

"A budget is telling your money where to go instead of wondering where it went."

Donald Trump

Like him or loathe him,Donald John Trump is now the president of the most powerful country;the USA.
Before he became the 45th President of the USA,he had garnered himself the "Real Estate Mogul" sobriquet. Donald's been very active on social media and some school of thought label him controversial.
Mr.Trump is an American businessman, television personality, politician and is of German descent. Born and raised in Jamaica, Queens, a neighborhood in New York City.


FACTS ABOUT DONALD TRUMP.
Born on June 14, 1946.
Received an economics degree from the Wharton School of the University of Pennsylvania in 1968. Won the presidential election on November 8, 2016, against Democratic rival Hillary Clinton, and assumed office on January 20, 2017.
At age 70, he is the oldest and wealthiest person to assume the presidency.
The first to become president without prior military or governmental service and the fifth elected with less than a plurality of the national popular vote.

Africa....My Pride.

Africa is the most interesting and diverse continent on the earth. It is the home of an incredible variety of people, animals, climates, and spectacular places. It is a country known for its beautiful colorful clothing and its history of incredible works of art.
Africa is where human beings first appeared on earth and the home of the world's first great civilization, Egypt, which dates back to 3300 BC.

Interesting Africa Facts.

The African continent has the second largest population in the world, at about one billion people.
Well over one thousand languages are spoken by the people of Africa. Some estimates put this number closer to two thousand.
The largest religion in Africa is Islam, followed by Christianity.
The African population is approximately 14.72% of the world's population (as of 2009).
The oldest human remains ever discovered were found in Ethiopia. They are approximately 200,000 years old.
The longest river in the world, the Nile (4,132 miles), is located in Africa.
Africa has the world's largest desert, the Sahara, which is almost the size of the United States.
Victoria Falls is the largest waterfall in Africa; it is 355 feet high and one mile wide.
Mount Kilimanjaro is the highest mountain on the continent. It towers over 19,300 feet, which is so tall that glaciers can be found at its summit even though the mountain is near the equator.
Madagascar is the largest island in Africa and the fourth largest island in the world. It is in the Indian Ocean off the East coast of Africa.
Africa is the second largest continent on earth, approximately 11.7 million square miles.
Africa straddles the equator and is the only continent to extend from the northern temperate zone to the southern temperate zone.
Africa is the hottest continent on earth.
Sudan is Africa's largest country (968,000 square miles).
Africa covers 6 percent of the earth's total surface and 20.4 percent of the total land area.
Cairo is the continents largest city.
Long before humans were around (the early Mesozoic Era) Africa was joined to the other continents in a massive continent called Pangaea. Over millions of years this huge continent broke apart shaping the world landscape as we know it today.
The worlds largest land animal is the African elephant.
The worlds tallest animal, the giraffe, lives in Africa.
The fastest land animal in the world, the cheetah, lives in Africa.
Africa is home to the worlds largest reptile, the Nile crocodile.
The gorilla, which can be found in the continents jungles, is the worlds largest primate.
Algeria is the largest African country and the tenth-largest country in the world. This country measures 919,595 square miles (2,381,741 square kilometers).
The 115-island country of Seychelles, located in the Indian Ocean, is the smallest African country. This country measures 176 square miles (455 square kilometers).
Mount Kilimanjaro in Tanzania is the highest point in Africa. It is 19,336 feet (5,894 meters) high. The lowest point is Lake Asal in Djibouti it is 502 feet (153 meters) below sea level.
Egypt is home to the world's first great civilization.
Ethiopia is Africa's oldest independent country.
Approximately ninety percent of Algeria is desert.
The Libyan desert is one of the most arid places in the world. This desert covers most of Libya.
Sudan was once the largest country in Africa (measured by total area), however when it split into Sudan and South Sudan in 2011 it became the third largest country in Africa. Algeria and the Democratic Republic of the Congo are now larger.
Tunisia is the northern most country on the African continent.
The African country Western Sahara has a very small population and is mostly desert flatlands.
The country of Madagascar is the fourth largest island in the world.
In the 1950s African countries began to gain their independence from control by the Major European powers.
In 1951 Libya gained independence from Italy; in 1956 both Tunisia and Morocco broke away from France; followed by Ghana in 1957. This became possible due to the weakened state of the major European powers after World War 2.
South Africa has become the African continents richest economy due to the abundance of mineral deposits found there. Along with such minerals as gold and platinum, diamonds are also mined there.
For decades a horrible civil war raged in Sudan which, in 2011, resulted in South Sudan gaining its independence. Approximately two and a half million people lost their lives during this conflict.


LIST OF AFRICAN COUNTRIES BY REGION.
List of North Africa Countries.
Algeria
Egypt
Libya
Morocco
South Sudan
Sudan
Tunisia

List of East Africa Countries.
Burundi
Comoros
Djibouti
Eritrea
Ethiopia
Kenya
Madagascar
Malawi
Mauritius
Mozambique
Rwanda
Seychelles
Somalia
Tanzania
Uganda
Zambia
Zimbabwe

List of West Africa Countries.
Benin
Burkina Faso
Cape Verde
Cote d'Ivoire (Ivory Coast)
Gambia
Ghana
Guinea
Guinea-Bissau
Liberia
Mali
Mauritania
Niger
Nigeria
Saint Helena
Senegal
Sierra Leone
Togo

List of Central Africa Countries.
Angola
Cameroon
Central African Republic
Chad
Congo
Democratic Republic of the Congo
Equatorial Guinea
Gabon
Sao Tome and Principe

List of South Africa Countries.
Botswana
Lesotho
Namibia
South Africa
Swaziland

Dreams don't turn to dust.

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