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How to develop personal budgets and investment plans

Without budgeting and planning, we cannot achieve the financial future we desire if we do not get the basics right.

A personal budget is an essential tool for managing our incomes, controlling our expenses and ensuring that we have enough money left over for wealth creation.
To control the future, we must plan and create the future we desire. At every point in our lives, there’re important events that life brings.
For the young man in his late twenties, it is marriage, getting his own apartment and having children.
For the middle-aged, it is paying for tertiary education and weddings of their children.
Though we believe ‘God will provide’, we have to be sure our case is not one of ‘God has provided’ but we used the money imprudently.
We must set something aside from every income we receive. It’s not the absolute amount but the percentage – so irrespective of how much we earn we must practise keeping a percentage for ourselves.
It’s what we keep that we can use to meet the financ…

Yakasai and the monarch

Going by the culture of the Yoruba with which I’m very versed, there’s no greater insult that a younger person can hurl at an elder than to tell him, especially to his face that his mouth smells.
And I honestly believe the same thing applies in cultures across Nigeria and indeed Africa no matter how barbaric and backward.
It doesn’t matter if such an elder has either in a one-off situation or repeatedly crossed the boundary of self-respect and honor, such a youngster stands reproved.
That’s not to say the grouse of the youngster is not deserving of attention in the court of public opinion. That’s not also to say the concerned elder cannot be corrected or cautioned as it were.
But when a subject addresses his monarch either to his face or by some other mechanics of communications as may be convenient that his mouth his filthy just because his line of thought diverge from his, it is the height of contempt imaginable, to say the least, and must not be taken lightly. 
I say this with eve…

Femi Otedola: Philanthropy taken to a whole new height

In a world afflicted with wars, natural disasters, diseases, and widening inequalities; neither can the call for men and women with a large heart too loud nor their supply too surplus to requirement. If anything, they can only be inadequate.


We all know that Nigeria’s North-east has been ravaged by war of terror hatched by the lawless group called Boko Haram, fighting with impunity for a theocratic or what may be called an Islamic state.
Among other atrocities committed by the ISIS backed group, schools in their numbers have been destroyed.

Girl-child in their hundreds have been abducted from their various schools many of whom were married off as child-brides, sexually abused and impregnated, murdered, and brainwashed as suicide bombers.

The lucky ones were either ransomed with undisclosed sums of money or swapped with Boko Haram prisoners in the custody of the Nigerian government.

Even as we speak Leah Sharibu, one of the last set of girls to be abducted by the terror group is sti…

National Erasure and Border Closure

Writing about the dreary and inexact subject of Economics is a truly confounding exercise. Yet there are times when one cannot shy away from the patriotic obligation. No discipline can be more exacting than modern Economics. 
Consensus is rare and intellectual unanimity even more elusive. Yet in the hallowed field of medical sciences, physicians are aware when the object of their skillful attention is about to expire. It is only a certain species of economists who pretend otherwise even as the object of their learned attention goes into rigor Mortis.
About twelve weeks ago, the Nigerian federal authorities, fearing that the nation might simply collapse economically as a result of its having become a vast dumping site for imported goods smuggled through our neighbouring countries, closed the borders of the country.
As usual with everything Nigerian, the move has elicited mixed reaction with the country split along the traditional fault lines of ethnicity, regionalism, and religion.

Nigerian Army and Operation Positive Identification

The Nigerian Army after initially vacillating about admitting an earlier report that it is planning to conduct a nationwide operation code named: 'Operation Positive Identification' has now come out to accept the truthfulness of the report.

Clarifying the position of the Nigerian Army,  the chief of Army Staff, Lt. Gen. Tukur Buratai confirmed that the force indeed has perfected plans to conduct the said operation which is intended to fish out the remnants of the insurgents who are currently on the run after they were flushed out of their various hideouts in the north-east by the military.

The Army Chief went further to state that the operation has the backing of the president and other relevant authorities. It was to commence on the 1st of November, 2019.

During the duration of the operation, citizens are required to carry with them any of means of identification- national Identity Card, voter's Card and the likes.

But in a swift reaction right from day the news first b…

Life On A Downside.With A Feisty Mother

Image for representational purpose only

As a woman, her three kids, and their house-girl laden with two small cartons and a polybag of consumable walked down the staircase of an Abuja supermarket, suddenly it began to rain. It was a heavy rainfall but surprisingly devoid of high wind. It was a well-heralded one going by its anvil-headed cloudy onset.

Obviously taken aback by the development and unprepared to let her kids walk through it, understandably though, she approached the security personnel on duty and asked to be allowed to drive in to enable her to pick her family and all she has bought from the supermarket.

The head-guard politely turned down her request citing the existing rule of engagement that no customer should be allowed to drive into the supermarket premises for reasons of lack of space.

He went a little further to intimate the woman that since the commencement of operations by the plaza where the supermarket is housed, only the MD normally parks her car in the pre…

10 dependable steps to locate and maximize opportunity

Opportunity has been compared to a missing pearl which everybody is assumed to be looking for.

It has also been likened to a treasure hidden on which all and sundry are looking to lay hold of their hands.
I remember in the early days of GSM in Nigeria, you’d see people climbing all sort of raised platforms or randomly walking around their households or rooms as the case may be purportedly in their search for a strong-enough signal which is forever unstable in all its ways. Of course, it is now a thing of the past substantially.
But is opportunity fluctuating like network’s signal or hidden as treasure so much that we all must labor to identify it and bring it to a profitable use of ourselves and others?
Or is it that we are the one looking elsewhere while it continues to pass us by?
In the event of any of the two, how then can we locate opportunity or make opportunity locates us for our maximal usage?
Before we attempt to answer these questions, let's first of all take a cursory …

Welcoming the first batch of female jet-fighters pilots into the Nigerian Air Force

Though the seed of the idea of establishing The Nigerian Air Force (NAF), the air branch of the Nigerian Armed Forces, was first sown in 1961, it was not until April 18, 1964, that it became a reality.
This was after the nation had participated in peacekeeping operations in Congo and Tanganyika (now Tanzania) respectively.
It would be recalled that during these peace-keeping missions, foreign air forces aircraft were employed to airlift the Nigerian Army Regiment to and from the theatres of operation.
The Nigerian Parliament, having recognized the urgent need for the establishment of an Air Force that can fully complement the nation's military outlooks, therefore, approved the establishment of the NAF. Consequently, the NAF was officially established by a statutory Act of Parliament on April 1964.
The recruitment of cadets had earlier commenced in June 1962.  Though still in its infancy, the Force would go on to take an active part in the nation's civil war which ended in 197…