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Financial Services / How To Be Financially Independent In Today's Economy by ikoiikenna: on Sun 17 at 10:57am
The present state of high inflation where everything seems to be rising except for salaries and wages, at some level in some state across the federation many civil servant and some government workers about 80% are not paid it appears a slim chance to financial independence for many but that is not totally through. we will in this article provide step by step guide on how to attain financial independence or how to maintain it even in this trying times.

Individuals who are willingly and ready to use their time and adjust their expenses will be able to get through it. Most Nigerians still leave on the principle of equation and equilibrium i.e their expense will equal their earning so every time they have an additional income or additional money they tend to incur more cost for themselves, but here is the good news the economy have solved that for you its time we try something new.

Here are some few tips to help you achieve financial independent in today's economy:

1. Make a plan: This entails writing down your daily expenses in accordance to your monthly income. This will guide you and help you stay in line with your income.

2. Cut down on your expenses at first, this might be difficult but it will be worth it in the long run. For the guys, cut down on frequent alcohol consumption and other frivolity while for the ladies on excessive shopping. Learn how to differentiate your wants from your needs

3. Learn how to buy assets that will generate additional income for you but also know what your financial status is no matter what.

Conclusively, when these important tips are mastered you will not only be on your way to financial independence but would also live a stress free life.

Marketing & Advertising / Re: 6,000 Active Nigerian Email Addresses Database List by ikoiikenna: on Sun 17 at 06:47am
segiade 20:Thanks pls send it to segeade96@yahoo.com


Sent. We will really appreciate it if you advertise West Entrepreneur Forum in social media handles and encourage more people to join. Gracias

Sports Trading / Re: Make #50,000 To #100,000 Monthly From Football Betting With Ease by ikoiikenna: on Sun 17 at 06:42am
segiade 20:I need the e-book thanks pls send it to segeade96@yahoo.com


Sent. Please share out this forum and encourage more people to join. Happy earning.

Sports Trading / Re: Make #50,000 To #100,000 Monthly From Football Betting With Ease by Ikoiikenna: on Sat 16 at 10:06pm
Haywhy59:Am interested, pls send ....haywhy59@gmail.com.... Thanks


Sent. Please share this forum and encourage people to join. Thanks

Sports Trading / Re: Make #50,000 To #100,000 Monthly From Football Betting With Ease by Ikoiikenna: on Sat 16 at 09:07pm
daniel:Am interested in getting the e-book please help.. Ukahdan4O@gmail.com thanks

Sent. Check your mail and download the attached file. Try as much as you can to understand the content of the book, the more you understand, the more you bet wisely and invariably the more you earn. I can't wait to hear the good news.

Secondly, in appreciation, please we would want you to share out this forum and encourage more people to join. Thanks.

Business Advice/Tips / 3 Deadly Idea Killers You Must Avoid by Ikoiikenna: on Sat 16 at 08:51pm
There are motivations and provoking statement or ideas but there are also idea killers, it is not the negative individuals but various bad habits that hinder progress and invites retard growth. These idea killers are mostly caused by low emotional IQ, which is more of the inability to control our feelings and our body at a particular time when we really need to be actually active in our dealings. This post identifies 3 deadly idea killers;

Time mismanagement is one killer that can destroy your ideas
Research any successful small business owners, they never play with their time. As the popular saying goes, time is equivalent to money. Time and money are intertwined, they work hand in hand. What you do with your present determines what you see in future. Time spent in idle gossip, uneducated movies to mention a few are mismanagement of your time. In time mismanagement there are distractions.
ideas

Procrastination also is a deadly idea killer
Postponing the present into the future is unwise. You got an idea to execute, do it straight away. Start the research and draft the strategy to execute the idea. Procrastination they say steals time. Many of us have had various ideas but we keep postponing due to laziness which is part of low emotional IQ. There will never be a better time of starting than now, else you start late and start with the wrong strength and probably never get anything done. The time to start that idea is now.

Impossibility mentality
Looking at the stories of various successful individuals they believed in their ideas and themselves, they believed even when others never believed, they knew what was ahead of them, they knew there was a big break for them.

The worst thing that can happen to anyone is to never believe his/her strength. With you not believing you are surrounded with an impossibility mentality even when the idea is so glaring you doubt it. For the successful impossibility is tagged a disease. We should dare to believe in our dreams and ideas. One of the mistakes that can kill our business ideas is the impossibility mentality in virtually all things and things that are so glaring to be possible.

These are my 3 deadly idea killers we should always avoid for a successful execution of our ideas. Do not limit yourself to these killers there are others you might as well make your research on them.

Fiverr / Re: Free Ebook Tutorial: How To Make Money On Fiverr by Ikoiikenna: on Sat 16 at 07:31pm
austinagbawo: Chidi.agbawo@mail..com


Austinagbawo, Welcome to the world of fiverr. Unfortunately, the email provided isn't valid according to gmail.
So using discretion I sent it to this instead
Chidi.agbawo@gmail.com instead of the Chidi.agbawo@mail..com you provided. Hope you receive it. See you around.

Reviews / Review And How To Make Money With Wema Bank Alat by Ikoiikenna: on Sat 16 at 07:01pm
What is Alat?
Well, it is a digital banking service powered by Wema Bank Nigeria, which allows you to do all your banking transactions without being physically present at a bank. Alat digital bank allows you to open fully functional savings account using just your BVN and phone number in exactly 5mins. No paperwork required! At
its core, ALAT by Wema bank is selling simplicity, reliability, and convenience.
ALAT digital banking will save you time with a simple account opening process that takes less than five minutes, help you put money away easily by automating your saving, make sure your bills are paid on time with its scheduled payments feature and deliver a free debit card (alat atm card) you can activate, lock and unlock your phone to use anywhere in Nigeria.

HOW DO I OPEN AN ALAT ACCOUNT WITHOUT GOING TO A BANK?
You can open an ALAT account easily on from your phone. Install ALAT from the Apple App Store or the Google Play Store, open the app and sign up with your Bank Verification Number and a valid phone number.
Thereafter, you will need to upload a photo of a valid means of identification (a government-approved ID card), a photo of a utility bill (not older than 3 months) and your passport photograph.
Your account will be activated as soon as the ALAT team verifies your documents and address, usually in 24 hours. In the meantime, you can put money in your ALAT account but you can’t spend it.
Your ALAT account number will be emailed to you. It will also be displayed on your dashboard each time you log into ALAT.

WHERE CAN I DOWNLOAD ALAT BY WEMA BANK MOBILE APPS?
You can download ALAT on the Apple App Store (for the iPhone) and on the Play Store (for Android phones).

How To Make A Cool N10,000 With ALAT By Wema Bank

Create Your Account
Download ALAT from Google Play or the Apple App Store, sign up with your BVN and phone number, then upload a couple of basic documents to activate your account.

Refer your friends
Open the ALAT app, sign in and click Refer a Friend on the menu to get your unique referral code. Share this code with your friends by chat, SMS, email or on social media.

Cash out
For every friend who joins ALAT with your referral code and funds their ALAT account with N500, ALAT will give you a token of N500 in return. When you refer up to ten friends who fund their ALAT accounts with N500 each and upload required documents, an extra N5,000 will be added to your account.

Advantages Of Having An ALAT Account
ALAT By Wema Bank will save you time with a simple account opening process.
It will help you put money away easily by automating your savings.
It will make sure your bills are paid on time with its scheduled payments feature.
They deliver a free debit card you can activate, lock and unlock your phone to you anywhere in Nigeria.
You can also use your card abroad. All you have to do is click Card Control in the Cards menu, set the channels your card will work on and the country/countries where you will use it.
You can withdraw money from your ALAT account via an ATM without using your debit card.

How To withdraw money from an ATM without a card
Log into the ALAT app, click Send Money on the menu then click ATM Cardless Transfer.
Fill in the required details and authenticate the transfer with your ALAT PIN. You will receive a pay code by email.

To withdraw your money, go to any cardless-enabled or pay code-enabled ATM and follow these instructions:
Press ENTER to clear the ATM screen.
Select CashOut Paycode.
Type the reference number and the cash out PIN.

Type the amount of money you want to withdraw.

For more info on ALAT, check them out.

Foods / How To Open A Smoothie And Juice Bar by Ikoiikenna: on Sat 16 at 05:14pm
The craze for smoothie started way back in the early 1970's when the awareness for healthy food was in full swing. Restaurants and shops spring up in response to the demand from customers for natural r organic food and drinks.

Today, the awareness for healthy food and drinks have risen so high and blown beyond one's expectation. Consumers are now more conscious on what they eat or drink than ever before.
In Nigeria, people are not left out in the healthy food business. Smoothie shops have become both mainstream and upstream options for consumers who just want to take a sip of banana-carrot smoothie juice or berry-blast smoothie for breakfast, lunch with friends or a post work out snack or as a light dinner date with a special one.
Here are five steps guide to starting your own smoothie shop.

READ ALSO: How To Start Chin-chin Profitable Production Business=> westentrepreneur.com/432/how-to-start-chin-chin-profitable-production-business

STEP ONE
Create a attractive menu. There is so much variety of new smoothie mixtures/combinations to try out, all you need to do is select a couple basic smoothie formulas and come up with different smoothie theme/names for your menu. You have the protein smoothie recipes, antioxidants smoothies and other variations to choose from. And note that, most customers love to munch on small chops and other light snacks while they sip on their smoothie drinks, so ensure to include light snacks/meals as part of your menu items.
smoothie

STEP TWO
Evaluate the smoothie market. You need to carry out a market survey in order to evaluate potential smoothie markets in your city or the area where you plan on opening your smoothie shop. Potential smoothie markets may include, commuters(walk-in customers), workers on lunch break, health-consious individuals, customers who love to try a new smoothie flavour and residents on lunch date.
Once you figure out your target markets, come up with a variety of smoothie offerings that will attract these target customers.

READ ALSO: How to Make Money From Pop Corn Business=>westentrepreneur.com/410/how-to-start-profitable-popcorn-production-business

STEP THREE
Location. Depending on your budget that's how you will know where to site your smoothie shop. If you are starting small, consider getting a cart in a strategic place in town or rent a small space in a shopping mall. But if you have the funds and want to start big, then you need to find a storefront in a nice and busy area and rent. Ensure that the area have enough foot traffic so that customers/residents can walk in at any time of the day and get a cup of your juicy smoothie.

STEP FOUR
Obtain a business license. As you open your smoothie shop business, you need to consider getting a business license under food related category. So visit your city or country state corporate affairs commission office and obtain that license. It will also be a good opportunity for you to obtain a tax identification number, commercial banking account and possibly a liability insurance policy.

STEP FIVE
Market your smoothie shop. First start by planning a opening ceremony, well, more like a awareness campaign of smoothie fest to let people/customers know about your new smoothie shop. Invite customers to come try out samples of your different smoothie flavours and possibly some light snacks to go with the smoothie drinks.

Print colourful flyers, stating all your offerings and any other side attractions and distribute to target customers in fitness centres, shopping mall, offices within and outside your smoothie shop area, and other health store establishments.

Finally, advertise your smoothie shop on social media sites like Facebook, Twitter, Instagram, Pininterest, Goggle + etc.

Foods / How To Start Your Own Plantain Chips Business by Ikoiikenna: on Sat 16 at 04:25pm
Plantain chips are snacks made from plantain and it comes in two kinds, which is the ripe and the unripe plantain chips. Plantain chips is a popular snack in Nigeria, and it's widely eaten by everyone on a daily basis.

This business is a very lucrative one, you hardly record lost in this business because the product is edible and doesn't get spoiled easily. Plantain chips business is one of the businesses that doesn't need high capital to start, it's also one of the few businesses you can make good profits in a short period of time. Let's look at the major things you need to put in place to start your own plantain chips business.


READ ALSO: How To Start Profitable Popcorn Production Business==>westentrepreneur.com/410/how-to-start-profitable-popcorn-production-business

Outsource For a Good Supplier of Plantain
Plantain is the major factor/ingredient in this business. You can actually source for a supplier to supply you with all the plantain you need by contacting a plantain farmer or you can get them yourself from the local market. Either way, ensure that the major ingredient of your business is always available.

Production Material/Equipment
A large frying pan
Chips cutter
Gas burner or charcoal burner
Transparent nylon
Colourful printed labels with your business name/contacts
Bunches of plantain (Ripe and Unripe ones)
Vegetable oil (To fry the plantain)
Salt
Pepper and Ginger (Grinded)

Fiverr / Re: Free Ebook Tutorial: How To Make Money On Fiverr by Ikoiikenna: on Sat 16 at 03:59pm
Arctammy:please I really need it. my email...Tambarinsagane1@gmail.comrnrnthank you and may God bless your hustle.


Amen. May God also bless yours. I have sent it to your mail please check. Also remember to share out this forum and encourage more people to join. Gracias.

General Updates / Challenges Facing Entrepreneurship In Nigeria by ikoiikenna: on Sat 16 at 08:56am
The current economical state of the country is really appalling. The government seems reluctant when it comes to job creation; the rate of unemployment keeps sky rocketing on daily basis, and to make matters worse many companies and even government organizations are downsizing.

Entrepreneurship looks to be the only savior of the Nigerian people; therefore people are beginning to look into owning their own businesses rather than just sitting ideal or waiting for white collar jobs.

However, the road to becoming a successful business owner is not so cheerful (at least not at the beginning). There are numerous challenges associated with being and entrepreneur in Nigeria. Some of them are minor and are easily overcome, while other may just have to be tolerated.
In this article, I will help you identify some of the challenges that entrepreneurs in Nigeria contend with, so as to prepare you as you plan your journey into the world of entrepreneurs. Let’s get started.
challanges

CAPITAL.
This is probably the first challenge you might face as a prospective entrepreneur. Yes you have a business idea, yes you are resourceful and can manage your own business, but you need money to start your business or to expand an existing business. Start-up capital would not be a problem if it was easy to get loans from banks, unfortunately most bank feel reluctant to give loans to entrepreneurs.

They feel it’s too much a risk to take, considering the uncertain state of the country’s economy. Have you attempted to get a loan from a bank lately, well I can tell you that it is pretty difficult. They would frustrate you with their unreasonable requirement for collateral, and even when you scale through that, the interest rate on the loan is simply too high.

The solution to the problem of generating capital for your business is simple. Bank loans are still an option for getting capital, it is not impossible to get bank loans-just difficult. However, if you cannot meet up to the demands of the bank, you can finance your business from personal savings. Another source of start-up capital is from friends and relatives. I will also suggest you find people with like minds who would like to invest in the same business as you. Forming a cooperative with them will help you with the require capital to start-up your business.

POOR INFRASTRUCTURES.
The state of infrastructure in Nigeria is simply deplorable. Take electricity for instance. Most business requires constant power supply, but with the epileptic nature of electricity in Nigeria, most entrepreneurs will have to spend a lot of their finance in buying and fueling generators. As a matter of fact, many businesses have closed shop and move from Nigeria to other countries because of the electricity issues.

Successful Entrepreneur / Folorunsho Alakija Biography And Networth by Ikoiikenna: on Fri 15 at 03:09pm


Folorunsho Alakija was born to the family of Chief L. A. Ogbara in 1951 at Ikorodu, Lagos Nigeria. When she was 7 years of age, she traveled out of Nigeria for her four years primary education. She had her primary school education at Dinorben School for Girls in Hafodunos Hall, Wales. And attended Muslim High School in Sagamu, Ogun State, Nigeria. Alakija had a certificate in secretarial studies from Pitman's Central College, London. Above all, she did a course in the world of fashion designing from the prestigious American College as well as the Central School of Fashion, London.

Folorunsho’s began her journey in life when she joined the Sijuade Enterprises in Lagos, Nigeria way back in 1974 as executive secretary. Prior to her limelight, Alakija worked for some years at the then First National Bank of
Chicago, now known as Fin Bank. Not quite long she decided to be her own master and kick started her first business venture with her
fabulous tailoring company, known as the Supreme Stitches. Wow! What a name. Her endurance, perseverance and patience paid off as her Supreme stitches tailoring
company created a special niche for itself, as such re-named it “The Rose of Sharon House of Fashion." This business does paved way to Alakija as she was named the national President and lifelong trustee of the Fashion Designers Association of Nigeria (FADAN). Her competency left no single pebble unturned to endorsed the Nigerian art and culture, through the forum.

Read Also : Gabriel Igbinedion Biography And Net Worth==>westentrepreneur.com/264/gabriel-igbinedion-biography-and-net-worth

Alakija skilful hand and sense of fashion enabled her to won the heart of the formal president of Nigeria's wife, Ibrahim Badamosi Babangida. She was her tailor then and the precious angel who aided her to be granted the oil prospecting license (OPL). She enlarged her coast and expand her horizons by establishing a partnership deal with Star Deep Water Petroleum Limited. Not limited to these, the federal government of Nigeria selected her as the Vice Chairman of the National Heritage Council and Endowment for the Arts. On 9th March, 2016 the business tycoon, Alakija became the first female Chancellor at Osun State University, now Bola- Ige University in Nigeria.

Folorunsho is married to her love, Modupe Alakija, who is
a legal practitioner. The happy couple has completed thier 40 glorious years of marriage and they are blessed with four sons and grandchildren.

NETWORTH
Folorunsho Alakija is the owner and the chairman of Famfa prospect Oil Limited, the Managing Director of The Rose of Sharon Group. This group comprises of The Rose of Sharon Prints & Promotions Limited ans the Digital
Reality Prints Limited. Forbes however, rated her as the richest woman in Nigeria with an approximate whooping net worth of $ 2.1 billion, and sit on the number 87th in the list of the ‘most powerful women’ world. Alakija is also rumoured to be the second most powerful woman in the whole of Africa.

General Updates / 7 Things You Must Not Mention On Your Cv by Ikoiikenna: on Fri 15 at 12:04pm
Writing your CV for that job is like writing a letter which states a yes or no to that job. Since the world had been stormed with unemployment. Graduates keep graduating and queueing as the 80% percent of world is stumped with unemployment basically among the working class ages.

It's always an issue of unending but risky joy when you saw an advert of Job vacancy and you're requested to bring your Curriculum Vitae- CV. You will definitely mount your desk to re-write that your old CV so as to match the new application and expectations.

Did you just saw the advert of job vacancy and you were thinking of how to compose it? Do you need to include and exclude some words and clauses from that CV? Probably yes! Then continue reading because this post will go a long way while crafting and writing that CV.

Thousands of applicant do respond to a vacancy of five offices whenever the job vacancy is pasted, so it only takes 10 seconds for the managing director to glance through each of the piled up CV. Do you know your CV might join the list of 'No!' if you mention any of these seven things in your CV;
Job-search

1. General skill and Acquisition
Most time we are too considerate in leaking irrelevant skills that we've acquired. For instance, you are writing your CV in alignment to an insurance company and you've had a background in computer having the knowledge of using ms-excel and ms-word, and you thought adding it will seek you the job, No! It won't.

Necessity is what you must include, you are only wasting your productive lines enlisting your skills forgetting there are other things you could cater for! Abstain from that! It must not be seen on your CV.

2. Personal information
Don't forget adding your personal information has no use. Your boss doesn't need to know your position in the family, either first born or third born, he doesn't care! So don't include it. Also, your marital status is never useful, if you are single, your boss won't hook you up so while including it. If you are married, you don't need it too. It must not be mention on your CV if you really want the Job.

3. Your Age
How many times will I tell you this! Okay, get this right away, your age doesn't have a vital purpose! You could talk that when you are fixed for interview. Including your schooling age, your present age and any other information pertaining to age is deadly for your employment. So it must be cancelled except on compulsion.

4. Old and irrelevant experience
You don't need to tell a bank you know how to drive while seeking for the post of an accountant. You don't need to tell them you were a good boy ten years back. It only makes your CV looks local and shabby. No manager will have hundred percent of time to check if you are brilliant or dull while in your high school. It's one of the deadliest thing to appear on your professional CV as it may cost you losing the job.

5. Hobbies
It was when I research about this that was when I knew how dangerous and useless it is to include your hobbies in your CV. My friend lost a secretary job because he loves watching television. When he went back to the company and enquired why he wasn't called for interview they replied that, they don't want an onlooker or a t.v addict! So you can see how deadly it is to include your hobbies. Don't let it appear at all because you will only play away an opportunity that might draw in millions in the nearest future.

6. Funny email address
one of the deadly point you must not mention on your CV is an unprofessional email address. You can imagine yourself as an accountant having email address like Cutepresh2345 or RealNigga420, they are image tarnishing and office gambling. Open the most professional and responsible name, it is quite free, you can just login onto Google and have them change to better names. ThomasKingsley[at]gmail.com could be a better one. Apply the most acceptable and legalized email address so that you could be tagged as having the esteem.

7. Avoid ruining words
Practical observations carried out that making use of personal pronouns like me, I, mine, my e.t.c are very deadly in your CV for example: I attended ochika community primary school and my result was fabulous. This is a ruining word that can make you loose the job so don't use it! Also while writing your résumé or CV, you must duly abstain from buzzing and slangs like Roll over, JJC, wow!, ah!, hmm! Crush, lift and thousands of others instead use cool and productive words like managed, launched, done and resolved. So avoid excessive choice of words as it is very deadly and dangerous since after submission you might leave a call for you hanging and dangling.

Though there are hundreds of others things you must not mention on your CV but the helpful seven is what you've read and would love you to consider them important so as to leave the queue of unemployed citizen to an employed one while taking heed to a vital corrections. See you in that office as you write the best CV.

Business Advice/Tips / Why You Need Quality Cultures In Your Business by ikoiikenna: on Fri 15 at 08:52am
Business cultures are beliefs, values, attitudes, and habits that make up the characters displayed by the members of that business setting. Business cultures are more of guides of how members of that society are expected to behave. Business cultures are ways individuals in a particular setting are to behave for maximum production in that business setting. It is described as the way of life and a style in that particular business setting. In this post let us reveal why we need quality cultures in various businesses.

· Quality business cultures are needed for effectiveness. A business culture is a guide that everyone in that business setting works with. A good business culture stimulates the effective response of the employees in their various duties. A good culture emulated in a business setting brings efficiency, it also informs the employees of what the business really stands for. Quality business cultures motivate the thinking of the employees, through adapting to these qualities he/she begins to inculcate good and positive characters. One of the successes of any business is the effectiveness of the team or whoever is responsible for the business. So with quality imbibed cultures, the individuals involved become effective in his/her various duties.

· In a business setting a good culture brings unity. It inculcates the habit of unity in the affairs and lifestyle of the employees in that particular setting. One of these qualities can be team work. When the culture of teamwork is shown in that business setting, every employee and members of that setting automatically work together for a better result for the business. When every member of a particular business setting inculcates the habit of making every individual make contributions and suggestions in various meetings, this makes all members to feel among and united. This also includes the culture of respect of all employees in that business setting.

· With a good business culture there is also the display of quality, this means that a good business culture makes a business produce quality products and render quality services. A good business culture brings quality in their service and in their product. This display of quality can be through the various cultures in that business setting, which can be the culture of integrity, diligence, competence, loyalty to mention a few.
The main purpose of a good business culture is to invite progress and maintain a healthy environment for maximum delivery, which is mostly for the success of the business. Good business culture is needed for a successful business.
Cheers!

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