Song of the day


Agriculture is our wisest pursuit, because it will in the end contribute most to real wealth, good morals, and happiness.”


Financial institutions must stay on the cusp of technology if they hope to attract and maintain millennial for more updates on business technology


To be successful and grow your business and revenues, you must match the way you market your products with the way your prospects learn about and shop for your products."

Financial Literacy

No one enjoys feeling broke when other people around them, especially friends or associates, are spending freely. But in reality, it may be time for you to stop spending money that you don't have and start saving for the future.

Tuesday, 9 February 2016

Buy Apple Macbook pro easier with

Apple MacBook Pro is a professional laptop and a perfect choice for busy people. Retina display, Ivy Bridge processors, USB 3.0, HD Graphics 4000 are combined with lightweight construction, fast SSD and display with high resolution. It is produced using the unique technology patented by Apple. It is equipped with Multitouch track-pad, keyboard with light element, web-cam, slots for SD cards, Wi-Fi and Bluetooth modules. Built-in battery ensures 8 to 10 hours of work. Moreover, users can choose and apply other configurations in order to use more functions.
If you think about buying Apple MacBook pro, consider buying a used one at Jiji is a service, which will clearly demonstrate than used things don’t have to be old or damaged as it may sound to someone. All items here are distinctive by being in good keep. The website allows people posting their adverts for free, placing them in one of twelve categories. The number of offers is constantly growing, as well as the number of Jiji’s users. Nevertheless, finding what you need won’t make a problem. Type a name in a search line or scan the list of offers in a proper category. And then don’t hesitate to contact an owner.
In addition to the convenience, Jiji offers the lowest prices you can ever find. The service guarantees you dealing with real people only. Direct communication means no intermediaries, no retail margins, and no any other additional charges. Check out the website and get a great device for your work and entertainment.

Monday, 4 January 2016


The renowned Paul J. Meyer, who became a millionaire at twenty-six, a rare feat in his days, in a discussion with Mark R. Douglas, shared the following formula for his success;

1. Crystallize your thinking. Determine what specific goal you want to achieve.

2. Develop a plan for achieving your goal and deadline for its attainment.

3. Develop a sincere desire for the things you want in life. A burning desire is the greatest motivator for every action.

4. Develop supreme confidence in yourself and your own abilities. Enter every activity without giving recognition to the possibility of defeat.

5. Develop a dogged determination to follow through on your plan regardless of obstacles, criticism or circumstances.

Now that you know the formula a articulated by one who has lived by it, let me throw in this challenge; sit down to set your goals and plan for the year.

Take action immediately.

Friday, 25 December 2015

Merry Xmas

Dear Readers,
We  really want to tell you 
Just how precious you are to us , 
Our  every thought of you 
Is as loving as can be

Our hearts is totally filled with things 
That words alone can't say, 
This comes especially for you 
With love on Christmas Day.

We appreciate you time out 
We appreciate your comments
We appreciate your every support Have a fun filled Xmas celebration

Wednesday, 23 December 2015

How Small Business Can Innovate

 Image result for innovate

When you think about innovation, do you think about Silicon Valley and technological advances and companies with big research and development budgets? Most people do, but the truth is that even the smallest businesses, from one-chair barbershops to popcorn vendors on the street, are capable of coming up with ideas that capture customers' imaginations.  When that happens, you are on your way to building a great brand.
Although it might be hard to believe now, the story of the Virgin Group is a small business that succeeded because of our team's innovative spirit. When my friends and I started up our first business, Student magazine, we were a bunch of young hippies barely managing to scratch a living, yet we knew we had an idea for a product that people would want: A publication geared toward young people like us. I lived in a friend's basement, and our office was based in a church crypt that a vicar let us use. We eventually turned our camaraderie and enthusiasm into a global business.
It is with this in mind that a few years ago we created the Branson Centre for Entrepreneurship in Johannesburg, through which we have supported 479 entrepreneurs across 21 industries by sharing knowledge, networks and resources. We saw a real need there: The national unemployment rate hovers at 25 percent, and many of the jobless are young people. Though it is a country blessed with great natural resources and talented people, small and more established businesses are lagging behind their counterparts in countries like Brazil and China.
I was in Johannesburg recently, and as I heard pitches from many of our aspiring entrepreneurs, I was reminded of the many different ways that a small business can innovate. You don't need a big budget: all you need is some ambition and a good idea.
Find something people want, then do it better
Miles Khubeka has created a brand with a lot of potential. He based his restaurant business on a popular (yet not trademarked) character from a beer advertisement: "Vuyo," an aspiring everyman with a food cart who makes it big. Miles opened a restaurant based on the Vuyo's food offerings, and he is now launching franchises in the form of Vuyo food carts, which other young entrepreneurs operate, spreading the Vuyo name. It's an excellent idea.
There are plenty of restaurants in Johannesburg, but as Miles has shown, just because an idea isn't completely original doesn't mean that the business must get lost in the crowd. If your delivery is unique in some way - if customers connect with your brand, or if you offer something that other businesses don't - your company will get noticed.
Miles's formula is simple: He created a brand that has a local edge but wide appeal -- and the food is good too!
Another great example: Simphiwe Madonsela of The Shoe Cleaning Company spotted an untapped demand for a service in an unfamiliar venue, and asked me if he could launch his business in Virgin Active, our health club business. I liked his gumption, and invited him to join us at our new health club to share his idea the following day.
Take the old and make it new again
To build a successful business, you don't have to build a new product from scratch. I was reminded of this earlier in October when we broke the Guinness World Record for cramming people into a classic Mini Cooper. (We fit 25. We love breaking records, and the public relations boost always helps too!) The custom Mini's design and paint job were developed by the entrepreneur Wes Boshoff. His Plastispray business re-imagines a car's look without damaging the original paint job.
If you can re-purpose an existing product, or if you spot a gap in the market where brands are not offering the improvements to their products that customers would like, there is no reason why you shouldn't step in.
Tell customers about the purpose behind your product
The roots of great brands usually feature a compelling narrative, and sharing your story right from the start can help you to win the support of your community - and their business.
An example is the story of Mmabatho Portia Morudi, who developed her interest in bees when her 87-year-old grandfather took her along on a beekeeping course. Now she is determined to help protect the bees while also building a successful business.
Her Iliju Bee Farm produces raw honey - which is a potential growth area in her country, as demand for honey in South Africa is far greater than farmers there produce. She also offers free bee pollination services to rural farmers, and educates rural communities about the importance of bees, and why they should be treated as friends, not foes.

If you are an entrepreneur running a small business, what's your strategy for standing out from the crowd? Tell us in the comments below.

Monday, 2 November 2015

Common Money Traps Even Smart People Fall Into
Managing cash flow is vital to financial success, since most of us don’t win the lottery and have a lifetime stream of income coming in automatically every January. We work hard our money and want to make the most of it.
Here are five (5) spending mistakes to avoid to help your cash stretch farther:

1. Buying things on sale.

You may wonder why buying things on sale is a mistake! Sales actually can be a huge money waster.  No matter what the price is or what a great bargain you got, if you purchased something you aren’t going to use, you just threw away your money.
I’ve purchased so many “bargains” at department stores or discount stores over the years that either weren’t really my style or didn’t go with anything else I had in my closet. Don’t make that mistake!
Then and only then decide to make the purchase.

2. Buying stupid things.

Have you ever purchased an ashtray on a stand since you thought it might make a good planter? How about a bonsai or a macrame hammock? Have you ever bought a convertible sports car (which was way too small) followed by a sedan (which was way too big)? I have.
The plant stand went to charity, the bonsai died, the hammock rotted in the rain and the cars were sold and replaced with more sensible models. However, I’d love to have the money back from all the illogical and strange purchases I have made over the years.

Tip — Hold onto your wallet. Since we are all human, we are going to make mistakes, it’s part of life. Just try your best to limit them by having a criteria for purchases — especially big ones.

3. Throwing money at problems you can’t solve with money.

Do you know what makes your skin glow? Though I am not a dermatologist, I have found that exercise, spending a few minutes in the steam room at the gym, drinking a ton of water, getting a good night’s sleep and drinking nutrient-rich carrot juice works wonders for the complexion. Does an expensive skin cream help? Maybe, maybe not.
When you are feeling low, tired or sad, does online shopping make you feel better? Maybe. But so does calling a friend, walking around the block and petting your dog.

4. Not spending when you have an opportunity.

Why work so hard if you aren’t going to spend your money on what can add great value to your life? A few years ago, some dear friends of ours were married in a fifteenth-century cathedral in Alicante, Spain.
Guess who wasn’t there? Us!
At the time, the expense of the trip hindered us from going. In hindsight, it would have definitely been worth it.
Tip — Spend money on the important things.

Read also :How to balance Money and love
                 Practical steps to financial independence 

5. Not spending enough.

Sometimes you think you are being thrifty but end up not getting what you really want.
Here is an example. I live near a gorgeous winding river where “the deer and the antelope play” — literally — as well as a few moose. My husband and I gaze at the river every evening looking for wildlife on our deck with our binoculars.

The binoculars are decent, but not great. We own three different pairs instead of owning one really great pair. We can see moose, deer and even fishermen casting their lines, but not in great detail.
It would have been better for us to buy one great pair of binoculars and share them. Our experience would be enhanced with sharper images.

We all make money mistakes because we are, after all, human. Hopefully by highlighting a few of mine, I can help reduce the number you make.

                  Practical steps to financial independence 

Friday, 16 October 2015

Inspirational Rags-To-Riches Millionnaires Stories

Some of the world's billionaires took themselves from the streets to the top of the Forbes' list.
Despite mounting evidence that it's becoming increasingly difficult to build such wealth, these incredible stories are proof that it is possible to overcome life's toughest challenges and create something better for yourself.
This list includes just a handful of the many "rags-to-riches" stories out there. Let us know which ones we missed in the comments.

Roman Abramovich 

Roman Abramovich was an orphan who turned an expensive wedding gift into an oil empire

Roman Abramovich was an orphan who turned an expensive wedding gift into an oil empire. Although he became an orphan at age four, the Russian Abramovich was raised by his uncle and grandmother. Abramovich got his first break from an expensive wedding gift from his in-laws. He dropped out of college to pursue his entrepreneurial interests, which at first included selling plastic ducks out of an apartment in Moscow.
He managed a take over of oil giant Sibneft at a bargain price in 1995. He continued to flip his investments into even larger acquisitions, including Russian Aluminum and steelmaker Evraz Group. Over the years Abramovich has been accused of shady dealings, from paying out bribes and protection money to having a role in the gang feuds over aluminum smelters. It seems that being ruthless has paid off for the billionaire: he now owns the largest private yacht in the world, as well as a ton of other cool stuff. its never too late for you to also start your own business.
Source: Hubpages

Oprah Winfrey

Oprah Winfrey turned a life of hardship into inspiration for a multi-billion-dollar empire 

Oprah Winfrey turned a life of hardship into inspiration for a multi-billion-dollar empire
Oprah spent the first six years of her life living with her grandmother wearing dresses made out of potato sacks. After being molested by two members of her family and a family friend, she ran away from home at age 13. At 14, her newborn child died shortly after he was born. She went back to live with her mother, but it wasn't until her mother sent her to live with her father that she turned her life around because she was wise enough to have learned how to deal with negative people instead of let them pull her down
She got a full scholarship to college, won a beauty pageant —where she was discovered by a radio station — and the rest is history. The Oprah name became an empire, and according to Forbes she is worth $2.7 billion.
Source: Academy of Achievement

Sam Walton

Before Sam Walton founded Wal-Mart, he milked cows and sold magazines in Oklahoma
Before Sam Walton founded Wal-Mart, he milked cows and sold magazines in Oklahoma
Walton's family lived on a farm in Oklahoma during the Great Depression. In order to make ends meet, he helped his family out by milking the cow and driving the milk out to customers. He also delivered newspapers and sold magazine subscriptions.
By 26, he was managing a variety store after graduating from the University of Missouri with a B.A. in economics. He used $5,000 from the army and a $20,000 loan from his father-in-law to buy a Ben Franklin variety store in Arkansas. He expanded the chain, and then went on to found Wal-Mart and Sam's Club. He died in 1992, leaving the company to his wife and children. what is your excuse?
Source: Biography

J.K. Rowling

J.K. Rowling lived on welfare before creating the Harry Potter franchise
J.K. Rowling lived on welfare before creating the Harry Potter franchise
In the early 1990s, Rowling had just gotten divorced and was living on welfare with a dependent child. She completed most of the first "Harry Potter" book in cafes, as walking around with her daughter, Jessica, was the best way to get her to sleep.
The "Harry Potter" franchise has become a worldwide success and J.K. Rowling is now worth an estimated $1 billion.
Source: Biography

Richard Desmond

Richard Desmond went from living above a garage to creating an empire that published magazines like Penthouse

Desmond grew up the son of a single mother after his parents divorced. The two of them lived above a garage, during which time Desmond described himself as "very fat and very lonely." He quit school at 14 to focus on being a drummer, working as a coat-checker to help pay bills. Though he never became rich from his own musical talents, he later opened his own record shops.
Eventually Desmond published his first magazine, International Musician and Recording World. The Desmond magazine empire would expand to publications like a British version of Penthouse and Ok!, a worldwide favorite. He now owns publications around the globe and is involved in philanthropic work. He
went from living above a garage to creating an empire that published magazines like Penthouse. what are you waiting for? click here to see how to develop your idea into brand.

Source: The Observer

Sheldon Adelson

Sheldon Adelson is another Las Vegas hotels magnate who tried his hand at a few industries

Adelson grew up in tenement housing in Massachusetts, where he shared a bedroom with his parents and three siblings.  His father was a Lithuanian taxi driver and his mother had a knitting store. When he was 12 years old, he started selling newspapers and a few years later ran a vending machine scheme on the same corner.
Adelson tried his hand at a few different industries, from packing hotel toiletries to mortgage brokering. His biggest break came from developing a computer trade show. He turned that wealth into a purchase of the Sands Hotel & Casino, and later the mega-resort The Venetian. Just like Adelson, here are things you must avoid if you want to succeed.
Source: Minyanville

This list isn't just to inform you about how these men rose from grass to grace, we designed it to inspire you, equip you, challenge you and to empower you to dare the bold steps that win, the steps that will make you eradicate poverty in your own generation. Share with Friends and Families help #EndPoverty.

Tuesday, 13 October 2015

Brewing giants agree takeover terms

SABMiller has accepted "in principle" an increased takeover offer from rival brewer Anheuser-Busch InBev of £44 a share.

AB InBev had made previous offers at £38, £40, £42.15, and £43.50 per share. Shares in SABMiller closed at £36.67 in London on Monday.

SABMiller had rejected the previous offers, claiming that they "very substantially" undervalued the company.

A tie-up between the two firms would create the world's largest brewer.

Global market share of five biggest beer companies

Anheuser-Busch InBev - 20.8%

SABMiller - 9.7%

Heineken - 9.1%

Carlsberg - 6.1%

China Resources Enterprise - 6%

Source: Euromonitor, based on 2014 figures

In a statement, the boards of the two firms said they had "reached agreement in principle on the key terms of a possible recommended offer".

SABMiller is the maker of brands including Peroni and Grolsch, while InBev brews beers such as Budweiser, Stella Artois, and Corona among others.

SABMiller said its board was ready to give its unanimous backing to the all-cash £44 per share offer.

If the deal, worth about £70bn, goes ahead, the newly-created brewing giant will make about 30% of the world's beer.

The two companies have not yet formally finalised the terms of an offer, but the latest development means they have extended the City deadline for a firm offer until 28 October.

The latest proposal comes a day before the original deadline, by which AB InBev had to make a formal bid for SABMiller or walk away for six months.

The offer represents a premium of about 50% over and above SABMiller's share price in mid-September, before the bid battle started.

Monday, 12 October 2015

Games industry given £4m boost

The government is giving the gaming industry £4m to support start-up companies.

It's hoped the money will help turn ideas into reality allowing small companies to make global gaming blockbusters.

Over the next four years, the Video Games Prototype Fund, will over grants of £25,000 to support different projects.

The funding will also create new jobs within the gaming industry.

This is the latest pledge the government is making to increase in the value of the gaming industry in the UK.

It introduced tax relief measures for developers last year.

That means games makers can claim discounts of up to 25% of a game's production costs.

Watch: Radio 1 at Gamescom 2015 - the world's biggest gaming convention..

Ed Vaizey is the person within the UK government who looks after the gaming industry.

He's the minister for culture and the digital economy and said: "Britain's video games punch well above their weight internationally and we need to build on this and invest in the strength of our creativity.

"This fund will give small businesses, start-ups and individuals the support they need to better attract private investment and go on to create the blockbusters of tomorrow."

The UK video games industry currently generates more than £4.5m a day for the UK economy and directly employs more than 19,000 people.

EU bank chief 'could recall VW loans'

Werner Hoyer said he was "very disappointed" by Volkswagen

The European Investment Bank (EIB) could recall loans it gave to Volkswagen, its president told a German newspaper.

Werner Hoyer told Sueddeutsche Zeitung that the EIB gave loans to the German carmaker for things like the development of low emissions engines.

He said they could be recalled in the wake of VW's emissions cheating.

The paper reported that about €1.8bn (£1.3bn) of those loans are still outstanding.

Mr Hoyer is quoted as saying that the EIB had granted loans worth around €4.6bn to Volkswagen since 1990.

"The EIB could have taken a hit [from the emissions scandal] because we have to fulfil certain climate targets with our loans," the Sueddeutsche Zeitung quoted Mr Hoyer as saying.

Mr Hoyer was attending the International Monetary Fund's meeting in Lima, Peru.

He added that the EIB would conduct "very thorough investigations" into what VW used the funds for.

Mr Hoyer told reporters that if he found that the loans were used for purposes other than intended, the EU bank would have to "ask ourselves whether we have to demand loans back".

He also said he was "very disappointed" by Volkswagen, adding the EIB's relationship with the carmaker would be damaged by the scandal.

Volkswagen admitted that about 11 million of its vehicles had been fitted with a "defeat device" - a piece of software that duped tests into showing that VW engines emitted fewer emissions than they really did.

Mr Hoyer's comments come days after VW's US chief Michael Horn faced a Congress panel to answer questions about the scandal, which has prompted several countries to launch their own investigations into the carmaker.

On Monday, VW's UK managing director Paul Willis is due to appear before members of parliament at an informal hearing.

Ex-Anglo Irish boss arrested in US

The Anglo Irish Bank had to be bailed out by taxpayers

The former boss of Anglo Irish Bank has been arrested on an extradition warrant, the US Attorney's Office in Massachusetts says.

David Drumm will now remain in custody in Boston until his hearing in federal court on Tuesday.

He moved to the US in 2009, the same year Anglo Irish collapsed and was bailed out by Irish taxpayers.

Mr Drumm, who ran Anglo Irish Bank from 2005 to 2008, subsequently filed for bankruptcy in the US.

However, the bankruptcy bid failed and a Boston court ruled that he could be held liable for debts of 10.5m euros (£8.34m).

It was alleged during the case that the 48-year-old former bank boss secretly transferred money and assets to his wife, so they could not be seized during bankruptcy proceedings.

It was reported in January that the Republic of Ireland was seeking his extradition.

Bailing out the bank cost Irish taxpayers around 30 billion euros (£22bn: $34bn), close to one-fifth of annual output.

Its downfall played a large role in the collapse of the Irish economy in 2008 and the ensuing bailout from its eurozone partners two years later.

Glencore confirms sale of mines

Glencore's copper mines include Lomas Bayas in Chile

Embattled mining giant Glencore said it has started the sales process for two of its copper mines in Australia and Chile.

The firm's Australian copper mine in Cobar, New South Wales, and its Lomas Bayas copper mine in the Atacama desert in Chile are for sale.

Glencore is attempting to reduce $30bn (£19.5bn) of debt created by its 2013 takeover of Xstrata.

Its Hong Kong-listed shares have also fallen some 55% this year.

Trading of the firm's Hong Kong-listed shares were halted earlier on Monday ahead of the announcement.

"The sale process is in response to Glencore receiving a number of unsolicited expressions of interest for these mines from various potential buyers," the firm said in an email.

"This will allow potential buyers to bid to purchase either one or both of the mines and may or may not result in a sale," it added.

The Cobar operation is a high-grade underground mine and plant, while the Lomas Bayas operation is a low-cost, open pit mine.

In Australia, Glencore has 19 mining complexes across the country, including coal, copper, nickel and zinc operations, port facilities, offices and agricultural businesses, among others. It is one of the biggest exporters of Australian grain.

In Chile, Glencore owns and has stakes in several mines, as well as a hydro-power project.

Last week, the firm announced it would dramatically cut its zinc production.

The move comes amid a 30% fall in the price of zinc in recent months. The company said it would cut 500,000 tonnes of zinc production - or 4% of the world's total supply.

Most of the zinc-related cutbacks will be in Australia, where more than 500 jobs will be lost, as well as South America and Kazakhstan.

As it attempts to reduce its debt, the firm has also cut copper production and suspended dividend payments to shareholders. It is also issuing new shares to raise money.

Grangemouth firm buys North Sea fields

This is the first move into the North Sea by Ineos

Twelve North Sea gas fields have been sold by the Russian oligarch who bought them earlier this year but was forced by the UK Government to sell them.

Ineos, the chemicals giant that controls Grangemouth refinery and petro-chemicals plant, has taken them on.

This is its first move into owning oil and gas assets.

There are indications its chairman and controlling shareholder Jim Ratcliffe intends to buy more.

The 12 fields, mainly in the southern North Sea, were sold in March by German firm RWE to the LetterOne company controlled by Mikhail Fridman.

They represent around 8% of UK gas production, including the Breagh and Clipper South fields.

The UK Energy Secretary before the UK election, Ed Davey, told LetterOne in April that it had to sell them again.

He said it was not in UK interests to have the fields at risk of sanctions against Russians, and threatened to revoke the owner's operating licence. The sale had to take place by 20 October.

Jim Ratcliffe of Ineos said: "We are pleased to acquire a strong portfolio of natural gas assets and bring on board a highly successful and experienced North Sea industry team.

He said of the gas fields: "They are high quality, low risk assets and they come with a highly experienced management team. Whilst no decisions have yet been made, we will continue to evaluate other opportunities in the North Sea.

"Ineos has been very open about its intention to make strategic investments in the North Sea and this acquisition is our first step in fulfilling this goal. It will also help our UK petrochemical assets to have ongoing access to competitive energy."

Ineos is also investing in onshore unconventional gas projects in the UK, though these are proving controversial.

It has invested heavily in the shipping, docking and processing facilities to bring fracked gas from the USA to Grangemouth and to a Norwegian processing facility.

China shares rise while others struggle

Shares on mainland China and in Hong Kong took the lead with gains in Asia on Monday, while other markets were lacklustre.

Hong Kong's Hang Seng index was up 0.96% at 22,668.52 points.

On the mainland, the Shanghai Composite was up 3.11% at 3,282.29 points in afternoon trade.

Other markets failed to take a positive lead from Wall Street and struggled despite hopes the US Federal Reserve may wait until 2016 to raise rates.

In Australia, the S&P/ASX 200 was closed down 0.89% at 5,232.90 after hitting a six-week peak on Friday.

South Korea's benchmark Kospi closed flat, up just 0.1% at 2,021.63.

Markets in Japan are closed for a public holiday.

Analysts agreed the Fed was looking less likely to raise rates soon, which could mean more money would flow into markets.

"The only data supporting raising the Fed funds rate has been employment, which has begun to shrink in the last quarter, coupled with increased talks of the approaching debt ceiling negotiations - not to mention the 2016 [US] presidential elections," said Evan Lucas from IG Markets.

"All [this] means we are seeing signs of the lift-off being pushed back, as inflation remains nowhere to be seen," he said.