10 Tips On Living A Positive Life

Photo credit :thecoggintoboggan.com

1. Be comfortable in your own skin.

Everyone was born with a flaw. No one is perfect. Accept yourself with what you're born with. 

2. Appreciate what you have and never compare yourself with others.

You will never be truly happy if you keep looking outside and wish you have what you don't. 

3. See the positive in every situation.

You can choose to be stuck in a bad situation or let go, move on, and start anew.

4. Let go of your need to control.

Trying to control things will not only drive other people away but also hinders you from achieving happiness from within.

5. Drop the resentment within.

Only when you learn to let go, you let your soul free from the pain.

6. Live in the moment.

7. Avoid overanalyzing.

Most of the time, we never actually get an answer but a set of worries.

8. Stop worrying about the future.

Worrying doesn't make anything better 

9. Drop your ego and be true.

10. Have an open mind.

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Understanding Returns By: Ifeoma Adeoye

A person may derive satisfaction and personal fulfillment from an investment or business endeavor but the primary aim of any business or investment is to make gains and maximize returns. The return on your investment is the percentage change in value of the investment over a given period of time. Basically, it is the total income from the investment minus all the expenses incurred in the process of generating the income.

Understanding returns is important as it simplifies your investment decision making process. When you understand returns, you start to understand the concept of “the time value of money – Money today is worth more than the same amount of money tomorrow” and the “opportunity cost of money – what I may be losing by holding or spending this money today”.

A typical savings account in Nigeria yields about 3-4% per annum, depending on the bank and all other things being equal. This means that if you deposit N1,000,000 in a savings account and you do not withdraw the money during the course of the year, you would receive a N35,000 (assuming 3.5% return) return on your money. Great right?

Let us assume that you are a trader and you purchase a product at N100 and sell it at N1,000. You incur an additional N300 in expenses from transportation cost, utility bills, wages etc. Your total cost will be N400 per unit (as we are assuming there is only one product and no taxes), hence your return would be 60%. Great right?

Basically, there is always a return to be made, however small it may be, by just doing something extra, whether it is by deliberately putting your money in a savings account or actively investing it. The higher the risk inherent in an investment, the higher the return. Notice the return from the savings account is “small”. This is because a savings account is considered relatively risk free (unless the bank goes under, your money is pretty safe). Other investments may yield higher returns but they may be more risky.

Before you embark on any investment, you must understand your risk appetite and know your investment goals and objectives. Take caution when investing your money and endeavor to thoroughly understand the nature of the investment before you invest your money. It is always safer to diversify your investment portfolio (basically do not put all your eggs in one basket. Invest in different asset types and classes to manage your risk, so that if something goes wrong with one investment, the gains from your other investments or assets would compensate for your loss and you would not be in a bad financial state)

There are other “relatively riskless” investment products that may offer up to 12% returns per annum. Speak to your financial adviser to find out more about them.

When it comes to finances, ask, ask, and ask questions! What you do not know, you do not know. It is your responsibility to find out all that is potentially available to you and take advantage of them.

So let us get out there and start thinking and speaking “returns”

Remember, start now, start small – just do it!

About Ifeoma Adeoye

Ifeoma Adeoye is an economist by training and a business strategist & management consultant by profession. She is keen on social and charitable causes and spends a considerable amount of her spare time establishing and providing financial advisory services to small scale businesses in Nigeria. She is also a motivational speaker and is passionate about motivating people to be innovative, entrepreneurial, financially savvy and independent. She loves all things related to making money legitimately and believes that we should all strive to have lots of it. You can contact her via email at ifeoma.adeoye@gmail.com and on twitter @nairalogue

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Comic Video: Uganda At It's Finest

I cannot explain how this video got viral but it is viral and hilarious...

Naija brothers thank you for not falling our hands.

Just for laughs...

Source: Youtube

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Sights From Northern Nigeria

Editi Effiong CEO of Anakle a leading digital agency in Nigeria visited the northern part of Nigeria and had these amazing and beautiful photos to share.

Next time you are planning a holiday trip you will definitely have these places in mind to visit

Over 150 years after Babban Gwani became the most coveted palace builder in Arewa, these palaces still stand

Beautiful Lake side from Bauchi State

Water buck from the Yankari Game Reserve Bauchi State

Rocks from Bauchi for aspiring hoppers

Kids who came out to watch Editi fly a drone

Selfie with the kids

The Gidan Madakin Palace, Bauchi. First Babban Gwani design ever, built in 1860, 100 years before Independence

All credits to  @EditiEffiong

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Photo: Senator Florence Ita Giwa Has An Adopted Daughter

 

 Senator Florence Ita-Giwa who stepped out with her youngest adopted daughter, Beatrice, at an event in Lagos recently. The little girl was adopted about a year ago when she saw her along with her 17 year-old mother in one of the creeks of Bakassi. Speaking about the little girl to Encomium magazine, Senator Ita Giwa said ...

"I adopted Beatrice Bassey Ita-Giwa, named after my mother, about a year ago. I saw her and her mother when we went to campaign in one of the creeks of Bakassi, and I fell in love with. them. Beatrice is now in a play group, and she travels with me. At the end of the year, she will be in a play group in Victoria Island in a Lebanese/French school. I’ve engaged a nanny, and Beatrice is doing well. She is trying to speak English, Filipino and Efik. I’ve fallen in love again. I look at the innocent girl and she’s blossoming, thriving.”she said

Photo credit: Linda Ikeji...

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Looking Forward To A Trip To Space You Might be Needing This PlayList

Scott Kelly(Astronaut) recently broke the record for most time spent in space by a US astronaut, logging his 383rd day aboard the International Space Station. He’s also on pace to break another record on October 29th, when he spends his 216th consecutive day orbiting the earth — the most in a row.
For many people, this seems like a dream. The idea of floating up in space, where so few people in the history of the world have ever been, is intoxicating. But it can, of course, get intensely lonely, Kelly says.


“A year really is a long time…a long time to never be able to go outside, or feel the sun on your face, or to see your family through anything besides a computer screen,” he muses.
And one of the ways he stays connected to the world below is through music.
“When living in a place isolated from the rest of the world like here aboard the International Space Station, [music] becomes more significant,” he tells Spotify.
Kelly has created a playlist that reflects his space journey so far. It spans many genres, but there is a contemplative wistfulness that runs through it. It’s not hard to imagine listening to these songs as you stare across the void back at your home planet.
And to be honest, it’s a bit dorky — the kind of earnest emotion unconcerned with looking cool.
Here are the tracks, which Kelly suggests you listen to in order:

Stay — Jasmine Thompson
Lose Yourself — Eminem
Feel This Moment — Pitbull and Christina Aguilera
Speed of Sound — Coldplay
These Are Days — 10,000 Maniacs
Hazy Shade of Winter — The Bangles
Chasing Cars — Snow Patrol
Fire And Rain — James Taylor
Imagine — John Lennon
Lights — Ellie Goulding
Black — Pearl Jam
Dark Horse — Katy Perry and Juicy J
In Your Eyes — Peter Gabriel
Just Like Heaven — The Cure
Wish You Were Here — Pink Floyd
Leader of The Band — Dan Fogelberg
Babylon — David Gray
Hotel California — Eagles
Adagio for Strings — Samuel Barber, Leonard Bernstein, and the New York Philharmonic
The Promise — Michael Nyman
Sunrise — Norah Jones
A Thousand Years — Christina Perri
Landslide — Fleetwood Mac
Wide Open Spaces — Dixie Chicks
Time To Say Goodbye (Con Te Partiro) — Sarah Brightman and Andrea Bocelli
Brand New Day — Sting
Kryptonite — 3 Doors Down
Thunder Road — Bruce Springsteen

This post is courtesy BusinessInsider

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Why 2 'Normal' Teens Joined ISIS

Read story below:

The authors are journalists for Die Welt in Germany.

Her room is empty: no pictures, posters or photos on the wall, just the Arabic symbol for “Allah” hanging over the bed. There’s nothing to suggest that until recently a 17-year-old girl lived here. The girl, Merve S., disappeared several weeks ago. She and her 18-year-old friend, Ece B., apparently traveled from northern Germany to Syria via Istanbul to join the Islamic State in Iraq and Syria (ISIS). Then Ece’s father took his own life. Her sister found him hanged in the stairwell of their apartment building in Geesthacht, near Hamburg. 

The search for clues about what happened leads to Merve’s hometown, the working-class Hamburg suburb of Billstedt. It has 70,000 residents and row upon row of high-rise blocks. Heavy traffic roars along its four-lane roads. Merve’s mother told the local news station that her daughter had started sleeping on the floor, and eating and drinking very little. In hindsight, she thinks her daughter was preparing herself for the harsh living conditions of an ISIS camp. Merve wasn’t considered anything out of the ordinary at the Öncü supermarket where she used to work. A sales assistant describes the teenager as a quiet girl who “barely said a word.” 

So what made Merve give up her teen life to join ISIS, a terrorist group that carries out massacres and atrocities against so-called “infidels”? Why didn’t anyone see the signs? Everyone at the mosque directly opposite Merve’s parents’ house denies knowing her.“People come here to pray, but they don’t introduce themselves by name,” a community representative says. 

© Provided by Ozy Tumblr ummsufyaaan

But one young woman, an acquaintance from Ece’s hometown, says she and her cousins witnessed the girls’ transformation. Büşra, 22, has long, blond-highlighted hair, tattoos and pink glitter on her fake fingernails. She is positive the two teenagers wanted to join ISIS and are in Syria. “They’ve thrown away their cell phones and torn up their passports,” she says. “I’m sure of it.”

Büşra last saw Ece in 2014. She describes her as a homebody who liked listening to music and hanging out with her girlfriends. But that all started to change two years ago, says Büşra, when Ece began avoiding eye contact with guys on the street — and then wearing a headscarf and, later, a black veil. Büşra says Ece and Merve probably met via the Facebook or WhatsApp groups for “sisters,” the term Muslim women use for their friends. The girls also went together to Billstedt mosque where apparently nobody knew them. 

“They were just religious at first,” explains Büşra. “Then they fell into the wrong hands.” She said Ece was in contact with an ISIS follower from Hamburg. The teenage girls listened to radical sermonsand “were manipulated into thinking they had to help out in Syria.” Büşra says she tried to convince them that ISIS thinks of women as “birth machines.” It didn’t work: “Talking to Ece was like talking to a brick wall.” 

***

Ece was born outside Hamburg in Geesthacht, home to 30,000 residents and a deactivated nuclear power plant. She and her Turkish family lived in a first-floor apartment. Their building has a dirty white facade, rust-stained plasterwork, thin white drapes on the windows. The remains of an orchid decorate a windowsill.

Ece’s father, Ercan B., worked shifts for a brake-pad manufacturer for many years. The men he worked with call him a “good colleague” who would greet them on the street, sometimes exchange a few words. Otherwise, Ercan B. kept to himself and definitely did not discuss his daughter.

© Provided by Ozy advice tumblr

Ece first ran away to Istanbul in November 2014. The family managed to retrieve her after she was located using cell phone tracking and detained at the airport by Turkish police. Unfortunately, the local German state police did not notice her latest attempt to leave the country. In early June, she wrote her parents a note to say she’d gone on a school trip. She’d actually flown back to Turkey.

But her father knew the truth. And it was too much for him. Ercan B. ended his life in Germany in June, on a Sunday when his wife was away. 

Germany’s intelligence service has logged nearly 700 departures to Syria since 2013, about 10 percent by women. Authorities don’t track minors. About 80 of the men who left Germany have already died in acts of jihad. No details have emerged about any female deaths.

“That’s not part of our faith,” says Mustafa Cakmak, the imam at Geesthacht mosque. “The Koran says: Anyone who kills a human kills the whole of humanity.” The girls found different interpretations online.

The local community made sure that Ercan B.’s body was washed and shrouded in white material within days of his death, in accordance with Muslim custom. Hundreds of mourners prayed for the deceased, and his family then flew to Turkey for his burial.

A group of men sits outside a snack bar the day after the funeral. Ece’s uncle is one of them. He’s dressed all in black and looks exhausted, even behind his sunglasses. The sister who discovered their dead father has been admitted for psychiatric care. Her uncle looks up briefly and says, “I don’t want to say any more.”

© Provided by Ozy

This post is courtesy MSN.com

Michelle Obama's Playlist In honor of International Day of the Girl

In honor of the International Day of The Girl Child, Michelle Obama is sharing her Spotify playlist which I find quite interesting.

A compilation of beautiful music for both the young and old

Here's the full list of tracks:

Run the World  (Girls) – Beyoncé
Ain’t No Mountain High Enough – Diana Ross
Doubt – May J. Blige
When The Day Comes – Nico & Vinz
Girl on Fire – Alicia Keys
On The Sunny Side Of The Street—Billie Holliday
A Little Party Never Killed Nobody (All We Got) – Fergie
Confident – Demi Lovato
Bravo – Ledisi
No Scrubs – TLC
Survivor – Destiny’s Child
Defying Gravity – Kristin Chenoweth, Idina Menzel
Bang, Bang – Jessie J, Ariana Grande, Nicki Minaj
Black Gold – Esperanza Spalding
Doo Wop (That Thing) – Lauryn Hill
Back to Basics - From "Pitch Perfect 2" Soundtrack – The Barden Bellas
Given Em What They Love – Janelle Monáe feat. Prince
My Shot – Hamilton (Original Broadway Cast Recording)
And I Am Telling You I'm Not Going – Jennifer Hudson
Respect – Aretha Franklin

Just seeing this list and knowing that I listen to some of this songs 

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How 28 year old Michelle Phan Built A $500 million company

Hey Guys!!!

I was browsing as usual once a again and found this inspiring story on the Forbes on how 28 year old Michelle Phan was able to build a 500 million company through YouTube by posting MakeUp tutorials online for her numerous followers.

Michelle Phan (L) and Kelly Osbourne (R) on stage at Forbes’ Under 30 Summit in PhiladelphiaMichelle Phan (L) and Kelly Osbourne (R) on stage at Forbes’ Under 30 Summit in Philadelphia (Photo Credit: Forbes.com)

Here's what she had to say;

“I didn’t have a roadmap, I just did it because it was meaningful to me and I wanted to disrupt the beauty industry,” said Phan, 28, speaking to an auditorium full of 1,500-plus high-achieving millennials at Forbes’ second annual 30 Under 30 summit in Philadelphia.

Phan, who began posting YouTube makeup tutorials eight years ago, swiftly grew a following which now exceeds 8 million subscribers.

“I thought, if [YouTube] is going to be the global television of the future, I need to build my brand here,” said Phan, who uploaded her first video, a natural makeup tutorial, from a humble grainy webcam in 2007. “Within the first week, 40,000 people watched it and hundreds of comments came in and that’s when I realized I’d found my calling.”

Phan had this to say “Influence is the new power–if you have influence you can create a brand,”

Here's one her YouTube videos that sums her life story till date I assume.But entirely I found her story inspiring.

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Listen to Korede's Bello New Single ft Asa

Have been listening to this song non-stop since my friend shared it with me and I was not convinced on whether I should share it on the blog since my blog is not a music oriented blog, but I do love good music. This afternoon while working at my desk I tuned in to the radio station and bam!! There it was playing so I thought I will just share it with you guys as I have the audio on my phone and was able to get the lyrics video to it...

Listen and tell me what you all think about it...
xoxo

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Nutellans 10 Facts About Nutella

This post is dedicated to all who have nutella in their office cupboards and fridges because nutella has been providing breakfast to a lot of Lagosians


1. Napoleon & World War II Were Responsible For The Invention Of Nutella
We'll spare you the complicated historical details, but suffice it to say that, thanks to an embargo that Napoleon decreed in 1806, it was nearly impossible to get sugar cane or cocoa in Italy at the time. To compensate, chocolatiers began using sugar beets, hazelnuts, and dried fruits to make a substitute for chocolate. The same tactic was employed again during World War II when a shortage of cocoa and sugar led the Ferrero brothers to begin using sugar beet molasses, hazelnuts, and coconut butter to offset the lack of familiar ingredients and make sweets for those who couldn't afford regular chocolate due to its extremely high prices.

2. Nutella Wasn't Intended To Be A Spread
First, there wasGiandujot — back in 1945. It was a small block of semi-hard chocolaty-hazelnut mixture that could be sliced and eaten with bread. However, the summer of 1949 was a particularly hot one, and all the Giandujot were melting before they could make it to customers. It was then that Ferrero realized Giandujot could be reduced to a cream and spread on bread instead of sliced over it. Thus, the Nutella we all know and love was born, entirely by accident.

3. It Wasn't Always Called Nutella
The first name of the Nutella we know was Supercrema, and it debuted in 1949. It was the first spreadable version of Giandujot. Ferrero ultimately had to change the name after a law was passed in Italy in 1962 that forbid brands from misleading the public about the nutritional value of a product. (Apparently having the word "super" in its name seemed to imply more nutrients than the spread could boast.) After going through variations such as Nutsy, Nussly, Nutosa, and Nutina, the company finally landed on the now-beloved Nutella.

4. The Creators Of Nutella Also Invented Tic Tacs
Ferrero, the Italian parent company behind Nutella, spent years perfecting its chocolaty products — and then unexpectedly moved on to mints.

5. Celebs Love Nutella Just As Much As We Do
Lady Gaga, Pippa Middleton, Heidi Klum, Hayden Panettiere, Ina Garten, Shakira, Rafael Nadal, and Novak Djokovic are only some of the celebrities who have publicly waxed poetic about Nutella.

Picture credit @uzosfoodlabs

6. The First Official Jar Was Made 51 Years Ago
The first jar of Nutella was made and sold in Italy in April of 1964.

7. It's The Second Most Popular Food Brand On Facebook
We're not the only fans of Nutella. In fact, the world is so obsessed with the spread that as of 2014, it was one of the most popular food brands on Facebook, second only to Oreo. Today, the brand has over 30 million likes.

8. Americans & Italians Don't Consume The Most Nutella Annually
You'd think America's obsession with the spread or the fact that it comes from Italy would mean one of those countries would eat more of it than anyone else. But, it's actually France that goes through more jars of Nutella than anyone else. They eat 2.2-pounds of Nutella per person per year.

9. It All Comes Down To The Manteca
First of all, what is manteca? It's apparently "the heart of the [Nutella] recipe," according to Padovani, and refers to "a mixture of soft or fat substances with a creamy consistency." The manteca is achieved right after the hazelnuts are toasted and then ground to the perfect consistency before anything else (even chocolate) is added to the mixture.

10. Ferrero Packages 1,212,000 tons worth of sweets each year.
That's enough to fill 27,000 trucks, which could line the distance between Chicago and Detroit.

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Unveiling Of The Ministerial List

On the the long awaited list, Senate President Bukola Saraki reveals the names of Ministers sent to him by the president at 10:47am



These are the nominees:
Babatunde Fashola, Rotimi Amaechi, Kayode Fayemi, Chris Ngige, APC National publicity secretary Lai Mohammed, Senator Udo Udoma Udo, Abubakar Salami SAN, Ogbonna Onu, Aisha Alhassan, Abdulrahman Dambazzau, Kemi Adeosun, Adebayo Shittu, Solomon Dalong, Audu Ogbeh, Amina Ibrahim, Emmanuel Ibe Kachikwu, Suleiman Adamu,, Ibrahim Usman Jubril.


Post is courtesy @NGRSenate check them out for more updates going on at the House Of Assembly

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