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Saturday, July 29, 2017

Five Effective Tips To Track Your Expenses

The question that many ask themselves is where do their money go. Truthfully, you are the only one who can answer that question. But, we know that you are losing your money because you are not tracking it. Well, it is time to stop losing your money and start tracking your cash.

Below are some of the ways you can do this.

1). Use online management software
You do not need to go to the bank because you want to check your account. There are now online management tools and applications that allow you track your spending from your computer or smartphone real-time. In addition to this, you can also see your recent transactions.

2). Use online budgeting software
There are certain websites, apps, and software that you can directly link to your financial accounts. They automatically organise and categorise your spending by letting you compare your projected spending against your actual spending. It will even alert you when you are overspending.

3). Use ATMs
ATMs are connected with banks and it lets you check your balance, deposit and even transfer funds between accounts. Ultimately, ATMs are available anytime you need them. Hence, it is easily accessible to help you track your finance.

4). Activate account alerts
If you want to know about all your bank account transactions or activities as well as track how you spend your money, you should activate alerts. It will allow you get new alerts and let you know when your account is low. You will just be charged a token for this service.

5). Pay a visit to your local bank
Banks in Nigeria can offer you financial advice if you have challenges keeping track of your spending. They can help you with a solution.

Photos From The Visit of Reno Omokri To Abuja House In London

The former aide to Ex-President Goodluck Jonathan on electronic media, Pastor Reno Omokri has also visited President Buhari’s Abuja Home in London. Photos he posted online show him standing in front of Abuja House in London where President Buhari is being taken care of, medically, by his London doctors.

Reno wrote;

“If pilgrims to Mecca can get dollars at the concessionary rate of ₦200 to $1 from the government, I also demand mine because I am a pilgrim to Abuja House, London!”

Oh Reno! Politics is indeed dirty. Lol. Or do we say what’s dirty here? Think deep, then you will agree with me, lol.

Checkout List of Countries That Offers Easiest Visa Procedures For International Students

Studying abroad has actually become more accessible to students in a number of countries. You only need to do your research well to reveal these countries with good tertiary institutions and relatively easy visa procedures for international students, and take advantage of their offers.

Below are the list countries with the easiest visa procedures for international students.

1). Canada
Canada is considered as one of the top study destinations in the world because of its great universities, reasonable cost of living and beautiful environment and landscape. The country has quite an easy procedure for students to apply for study visas. The process basically requires the student to first apply for and gain entry into a Canadian university and then obtain a Canadian study permit, which is renewable for the length of the students study period. The best part of a Canadian study visa is that, not only can an individual study as an international student, he/she can also work as a student, obtain a post-graduation work permit, gain Canadian work experience and learn about pathways towards Canadian citizenship. Also, another great perk is that you can bring family members with you! You can learn more about studying in Canada by visiting the Canadian Immigration and Citizenship website.

2). Germany
What is better than a country that has abolished tuition and fees at public universities? Nothing! Germany is such a country and another great place for international students to consider. Aside having an easy visa procedure for international students, it has a reasonable cost of living and some of the world’s finest universities. Basically, the process of getting a German study visa is to first gain admission into a German University, then complete a visa application and attend an interview. A positive outcome sees you obtaining a German study visa that allows you to study and work in the country. In addition, if you want to go to Germany just learn their language, you can obtain a language-study visa that lasts for a good two years and be on your way to learning the awesome language.

3). New Zealand
This is another country with an easy visa procedure for international students. Basically, you start by checking out the types of study visas the country offers and then begin your application process. You can also contact the program or university that accepted you and ask for their help in your visa application process; they can provide you with valuable information.

4). Ireland
This country has such an easy visa procedure for international students that it can all be done online. Surprising right? Of course, you will need proof of your acceptance to a program of study and then the required paperwork. You can also contact the international students services office of the institution for assistance with the process, if you need it. An Irish study visa also gives you access to part-time employment depending on your program’s eligibility.

Photos: Meet The New World Richest Man

Amazon CEO Jeff Bezos has overtaken Bill Gates and is now the richest person in the world, with a fortune topping $90 billion for the first time ever.

When markets opened on Thursday, Bezos had a net worth of $90.6b, putting him $500m ahead of Microsoft founder Bill Gates. Amazon stock opened up 1.6% on Thursday, adding $1.4b to Bezos’ net worth. That was enough to put him ahead of Gates, who was last surpassed on Forbes’ real-time rankings for just two days nearly a year ago by Spanish retail giant Amancio Ortega.

Forbes started tracking billionaires around the globe in 1987. Bezos is now the seventh person to hold the title of the world’s richest person and the third American to top the global ranks besides Gates and Berkshire Hathaway CEO Warren Buffett.

While Gates and Buffett both appeared on Forbes’ first ranking of America’s 400 Richest people in 1982, Bezos is a newer addition to Forbes’ wealth rankings. He first appeared on the Forbes 400 in 1998, a year after Amazon went public, with a $1.6 billion fortune. Bezos ranked third richest in the world on Forbes 2017 list of the World's Billionaires, published in March, with a fortune of $72.8 billion.

Bezos would be nowhere close to being the world’s wealthiest person had Gates not given so much of his fortune to philanthropy. Gates, who created the Giving Pledge with Buffett to encourage billionaires to give at least half of their wealth to charitable causes, had given away $32.9 billion over the course of his lifetime through end of 2016. Forbes estimates that Bezos, who has not signed the pledge, had given approximately $100 million to charity through the end of 2015. In June, Bezos tweeted out a request for ideas for his philanthropy, garnering thousands of responses.

Bezos attended Princeton and then worked at a hedge fund before starting his online bookseller in a garage in Seattle in 1994. Amazon has since grown into an online retail behemoth selling a wide range of products. It also offers cloud services through its Amazon Web Services division, known as AWS. Outside of his day job, Jeff Bezos owns aerospace company Blue Origin and the Washington Post.

Gates fortune is built on software firm Microsoft, which he founded in 1975 with his friend Paul Allen. Gates has sold off much of his Microsoft stake but still owns about 2% of the company's shares, worth about $12.4 billion -- just under 14% of his fortune. His investment firm Cascade Investments has ploughed Gates' money into a wide variety of assets, including public stocks, real estate, private equity and venture capital. Gates owns stakes in companies as diverse as Canadian National Railway, hygiene technologies firm Ecolab and Mexican Coke bottler Femsa.

Sad; Fatal Accident, Killing Former Diversity Star (Photos)

A former member of Diversity has tragically died in a car accident in Canada, aged 27. Robert Anker had been a founding member of the group who won Britain's Got Talent - created by Ashley Banjo. He also was in West End show Thriller before he moved to Canada last year to marry his fiancée.

His cousin Rochelle Hanson has set up a JustGiving page for Robert's family to afford to travel to Canada for their son's funeral - and revealed they are "devastated".

She wrote: “The family are devastated.

He only just got married in September 2016 to a lovely Canadian girl and they were starting their new life out there.

Nice job by Proforce Ltd.. The firm was incorporated in 2008 as a total defence solution provider specialized in armoured vehicles manufacturing and personal protection. The company’s focus is on the delivery of confidence in protective mobility.

They have developed a vibrant market for security and mobile protective products within Nigeria and Africa.

PROFORCE exploits deep technical know-how to deliver outstanding security solutions

Boko Haram Reveals Photo Of Kidnapped UNIMAID Staff

Five members of the University of Maiduguri were killed when Boko Haram fighters attacked oil workers who were prospecting for oil in the Lake Chad Basin.

The insurgents had on Tuesday attacked a team of geologists who were on an oil exploration trip to the Lake Chad Basin at Jibi village in Borno State.

The team comprised members of staff of the Nigeria National Petroleum Corporation, geologists, members of the Civilian Joint Task Force and military personnel.

Source: Punch

Court Sentenced Grandma To Jail For Dumping Daughter’s Day-Old Baby In Bush

A 36-year old Nigerian Grandmother, Mrs. Bosede Oyetunde, has been sentenced to one month’s imprisonment by a family court sitting in Oke Eda, Akure, Ondo State, for dumping a day-old baby boy, her grandson, in the bush.

The incident happened in Omotoso town in the Okitipupa Local Government Area of the state.

It was gathered that the woman committed the offence on July 13, 2017.

The accused and her daughter, who is the mother of the baby, Opeyemi Isaac, were arrested by the men of the Igbotako Police Division.

The duo, who were arraigned on two counts of felony and attempted murder, were said to have put the baby in a nylon bag before throwing him into the bush.

According to the charge sheet, the offences committed contravened “sections 516, and 320(2) of the Criminal Code, Cap 37, Vol1, Law of Ondo State of Nigeria, 2006.”
The accused pleaded guilty to the charges against them.

In her ruling, the Chief Magistrate, Mrs. O.A. Edwin, sentenced the grandmother to one month’s imprisonment. She also ordered the convict to be reporting at Igbotako Police Station to render two months’ community service, after the completion of her jail term.

The magistrate ordered the mother of the baby to breastfeed the baby in the Ondo State Children Home, under the supervision of the police, for a month.

Opeyemi, after the court session, claimed that her mother told her that the child had died.

Common Mistakes People Make About Money

We’re all guilty of it at one point or the other, but if we want to have more control over our finances and make money work better for us, it is best to learn to avoid these common money mistakes that can have such detrimental effects on our finances.

Below are some common mistakes people make about money.

1). Spending Money You Don’t Have Yet
You might be tempted to splurge on one or two things and tell yourself you’ll replenish the money with your next income, however when the income comes, you quickly realize other pressing commitments come up which you have to take care of. Ultimately, you end up overspending and being broke till the next paycheck comes. This will then put you in a tight and very uncomfortable financial position in the meantime and you might even end up borrowing to make ends meet; this is likely to launch you into a vicious cycle of debt (unless you’re able to discipline yourself enough to make the necessary sacrifices to get out of it).

2). Forgetting That Small Purchases Lead Up to Big Expenses
Spending N500 here for a biscuit, then another N500 there for an exotic drink, might not seem like such a big deal at first especially when chilling on vacation. If you continue spending that way for a week, you would have spent N2500 more than you budgeted for and, though little, it can easily become a significant amount of money if you continue spending that way for a month. Little purchases add up, and rather than spending money frivolously, you can be using it to take care of important expenses like groceries. Pay attention to your ‘little’ expenses, if not you’ll be surprised at just how big they can become.

3). Not Keeping an Emergency Fund
Never make this mistake because when these inevitable times come, they can leave you completely destabilized if you’re not adequately prepared for them. It is best to have some money saved in an emergency fund or bank account, which you can earn interest on, till an emergency occurs. On the bright side, if an emergency never occurs, you would have accumulated a significant amount of money that you can enjoy or re-invest wisely to make more money.

4). Spending More Than You Earn
You either spend less than you earn or earn more than you spend- this is the simple principle. Your spending should never be equal to your earning (because you need to keep some money aside for emergencies) or exceed your earning (because this can lead to debt and avoidable ‘gbese’). Living from paycheck to paycheck (that is, spending as much as you earn) or accumulating debt because you spend more than you earn, are very inconvenient ways to live. The importance of being disciplined with your spending cannot be overemphasized and you should make the necessary sacrifices or lifestyle changes to make your spending align better with what you earn.

5.) Not Having an Allowance for Entertainment Spending
There really isn’t much more that can be said on this topic than for you to ensure you have a budget for your entertainment expenses, which you must be disciplined enough to strictly adhere to. One thing that can help in creating an efficient budget for your entertainment expenses, is to understand your entertainment needs and set up a budget based on that understanding. Discipline then comes in, to help you determine the things you can in fact do without and the things you have to do without because you can’t afford them. You can then comfortably settle at a middle point, setting aside an average range for your entertainment expenses that you’re more likely to adhere to.

"N-Power Asessment of Agro Candidates Begins" - Federal Government

The Federal Government on Thursday said assessment of candidates who volunteered under its empowerment programme, N-Power, N-Agro category has commenced.

N-Power

N-Power, in a statement on its twitter handle disclosed that it has sent out SMS to shortlisted candidates.

The scheme also directed those who have not received its messages to log onto its site using their BVN and phone number.

The statement reads,

“Good morning.
“We have sent SMS to all N-Power Agro applicants. However he understand that some people have not received the SMS
“So if you have not received the SMS and haven’t written the test, please log in with your BVN and phone number.

“If you are unable to log in, please note that note that your BVN records don’t match your application, consequently your application journey has come to an end.”

The scheme had last week said it had commenced the assessment of candidates who volunteered under its empowerment programme, N-Power, N-health category.

Hilarious; See What a Lady Was Served In a Wedding Ceremony (Photo)

This was shared by a Nigerian lady who attended a mass wedding ceremony in her church where she revealed what she got in her take-away pack and the photo have been trending online.

See what she wrote below..

"So today I attended a mass wedding of about 10 couples some of whom already have children and have not wedded properly in the church and some who only married traditionally they were afforded the privilege to marry properly in the church and the wedding was sponsored by the church. I am not being ungrateful at all but I just wonder what name to call this combination. "

Young oung girl name Chimnecherem Cynthia A, who made 9 A1s in her SSCE in Enugu North senatorial zone, few notable leaders like Amarachi Atamah and charles ogbu celebrated her on their walls.

Just like a philanthropist, an advocate for a New Nigeria decided in his magnanimity to award her university education scholarship to any school of her choice.

Big congrats to her.

"Real Madrid Contract Termination Is My Decision" - Jose Mourinho

Jose Mourinho claims he had to beg Real Madrid to let him go.

He, however, said he does not expect to suffer a similar ending to his time at Manchester United.

Mourinho ended his three-year stay at the Santiago Bernabeu in May 2013 by mutual consent, despite having three years left on his contract.

He then returned to Chelsea for a second spell a month later before moving to United for the start of the 2016/2017 season.

Asked what he considered the hardest part of rebuilding United following the underwhelming reign of Louis van Gaal, he told reporters: “The hardest part in my opinion was the period where there was an evolution in football overall, in terms of every other team, not just the typical powerful teams, but all the others. Their evolution in relation to the changes in football allowed them also to be economically strong.

“At the same time there was an evolution and Man United did not follow that evolution and my work is not just about arriving at a football team and developing the football team to attack, football targets and objectives, it was more than that.

“It was to go into the structure and to try to adapt the structure around the football team to a new dynamic. And that was the same at Real Madrid, a big club with big expectations but a difficult period with the evolution of other teams and the distance between Real Madrid and Barcelona growing bigger and bigger and bigger.

“When I arrived it was not just about developing a football team to try to stop that domination, but to also develop everything around the team and in that respect I can see similarities in terms of the difficulties and similarities in terms of the dimension of my job.

“I think what we did last season, Europa League, League Cup, sixth in the Premier League is what gets into your eyes. But I know that my job was much more than just the success in some competitions and being unsuccessful in the Premier League.

“To be honest, with the club [Real]’s structure, they wanted me to stay, they didn’t want me to leave. Everybody in the club, president, CEO, the board, myself, we all felt after the years I was there that the difficult part of the job was done and they wanted me to stay.

“In fact, I almost had to beg to let them let me go. I don’t think that at United is going to happen, because I don’t want to go.

“Real Madrid, for me, was really something that I wanted to do. It was something I had a chance to do twice before and didn’t. And on the third time, I don’t think you can say ‘no’ three times to such a club. I wanted to go and win the title in Spain, but it was not for me to stay. I was not in love with my life there. I wanted to come back to England and in that case, to Chelsea.”

See Photo of French Mayor as He Eats RAT After Losing Bet On FC Barcelona

FC Barcelona 's surprising Champions League bounce back over Paris Saint-Germain last season forced a French mayor to eat a RAT after a bet backfired.

With PSG hammering Barca 4-0 in the first leg of their last-16 encounter, Charles Dayot of Mont-de-Marsan — a commune in southwestern France — took to Facebook to announce he would gobble down the unappetising dish if the Ligue 1 giants were dumped out.

But Dayot was left with no choice other than to swallow his pride along with a cooked rodent when Barcelona completed the unlikeliest of victories.

Although the Spanish giants led the second leg 2-0 at half-time, the bullish mayor was far from ratty as PSG appeared likely to score at least once at the Nou Camp.

A 50th-minute Lionel Messi penalty left him biting his fingernails but Edison Cavani netted just after the hour mark to leave the Spanish giants facing an uphill battle once again to turn the tie in their favour.

However, Messi and Co refused to throw in the towel and two late goals from Neymar — one a penalty — were followed by a last-gasp strike from Sergi Roberto.

With Barca winning 6-1 on the night and 6-5 on aggregate, Dayot was left facing the horrifying fact that he would have to munch on vermin.

And although it took him a while to stay true to his promise considering the tie was decided in March, he donned a PSG shirt as a napkin to tuck into is rat dish on Sunday.

He even went as far as to suggest the unusual cuisine actually tasted like rabbit — proving there really is no accounting for taste.

"All Thanks To God, The President Is Recovering" - Ebonyi State Gov, Dave Umahi

The Governor of Ebonyi State, Mr. Dave Umahi, has described the rate of the recovery of President Muhammadu Buhari as a miracle.

Umahi, who is one of the seven governors that visited the President in London yesterday night said that he and his colleagues were surprised with the level of his (President) recovery.

Apart from Umahi, others governors in the entourage are Udom Emmanuel (Akwa Ibom); Abdulaziz Yari (Zamfara); Abiola Ajimobi (Oyo); Samuel Ortom (Benue); Umar Ganduje (Kano); and Kashim Shettima (Borno).

Six of the governors were chosen based on the six geo-political zones in the country while the governor of Zamfara State was picked because of his position as the chairman of the Nigeria Governors Forum.

Umahi, who was one of the two governors from the opposition party, the Peoples Democratic Party, said that it was difficult for members of the opposition to believe what they were being told by the handlers of the President that he was getting better.

He, however, said that he was happy, just like the other six governors, that the President was making progress and that he had improved very well.

The governor said the President would soon return to the country as soon as his doctors certified him alright.

He said, “We met a cheerful President whose level of recovery is a miracle. We know he will soon return home as soon as his doctors certify him to do so. What he’s treating is not mere malaria that we can say he will return today or tomorrow.

“However, we are happy and we thank God for what we saw. It is contrary to the pictures people are painting on the social media. The President we saw is recuperating well and we are happy for that.

“It is even better that, we as members of the opposition party, are among the entourage. Nigerians should continue to pray for the President.“

Asked whether the President told them the likely date of his return, he said no, adding that there was no need to be too expectant, saying that the Acting President, Prof. Yemi Osinbajo (SAN), was doing a good job.

“We don’t need to panic because we have a hardworking acting President who is doing a fantastic job. All we need to do as Nigerians is to continue to pray for the President,” the governor added.

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