Raise Money

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xx Warren Buffett and The Road To Riches
September 04, 2017, 03:47:20 PM by Isaac Adeniran
  Warren Buffett and The Road To Riches    He is considered to be the single most successful investor of the 20th century. He is also one of the wealthiest men in the world. He started learning about investing when he was 7 and invested for the first time at age 11. Warren Buffett truly has a strong set of rules for success. Here is his top 10 rules for success.
1. Find Your Passion.
 You are lucky in life when you find your passion in life. You need to find something you like or you will be in trouble. You need to take the job that you would take if you were independently wealthy. You will get into trouble if you try to work a job for money but you dislike the job.
2. Hire Well.
 The three things you need to look for in employees are integrity, intelligence and energy. If the person doesnít have the first one, the latter two will destroy you. If they do not have integrity, then you want them to be dumb and lazy, not smart and energetic.
3. Donít Care What People Think.
 It never bothered me if people disagreed with what I thought as long as I stayed with the facts. Stay within your circle of competence. Iím no genius, but Iím smart in spots and I stay around those spots. Look at the facts.
4. Read, Read, Read.
 I read on average 5 to 6 hours a day. I read 5 daily newspapers, a fair number of magazines, I read 10Kís and annual reports. I also love biographies.
5. Have a Margin of Safety.
 You wouldnít drive a truck that was 9900 pound across a bridge that said limit 10,000 pounds because you canít be that sure about it. So you would go down a little farther to the bridge that says it holds 20,000 pounds to cross.
6. Have a Competitive Advantage.
 The nature of capitalism is all about someone coming and trying to take the castle. If you sell TVís, then five people will come along and try to sell a less expensive TV than you. What you need is a castle that has some durable competitive advantage, what you need is a castle that has a mote around it. Sometimes that mote could be that you are the lowest costing producer of your product, or that you have knocked everyone else out of the ring for the past several years. It will be your competitive advantage as long as you can keep on doing it.
7. Schedule for Your Personality.
 I donít go to meetings, I hate them. My days are very unstructured. I read a lot. I donít like to have things packed into every hour of the day. I keep things scheduled to my personality. I am most productive in that mode. It fits my personality.
8. Always Be Competing.
 I try to study failures. The biggest thing that kills business is complacency. You always want to be on the move. The danger is always that you rest on your laurels. The key is to compete the same way when you are successful as you did when you first started.
9. Model Success.
 Ben Graham was my mentor at the University of Nebraska. I read his book ďThe Intelligent InvestorĒ and that did it for me. I even named my son after him. Look at the people you admire and emulate their qualities, you will find that you can do anything that they do.
10. Give unconditional love.
 I learned a lot of lessons from my father. The greatest lesson that I learned from him was unconditional love. To know that no matter what you do, you can always go back home can be a powerful thing. Every parent that can extend that to their child will be giving them a very powerful gift.
There you have it, the top 10 rules that Warren Buffett lives and works by. All of these rules are sound principles of business. You should take a look at this list and see how many of them you can emulate in your own business. As Warren says, ďemulate success,Ē and he is one of the most successful people in the world.
xx Common mistakes people make with money
June 16, 2017, 11:26:09 PM by Isaac Adeniran
#Money Mistake 1: 
Never borrow money that accrues interest to start a business (except if you are paying for it through your salary); only borrow to grow your business. This is because business takes a long time to gain ground and begin making profit, yet most loans repayments have to be made within a month of taking the loan or even earlier. Therefore, never borrow money to start a business expecting that the business will generate income to pay back the borrowed money plus the interest.

#Money Mistake 2: 
Never spend money you haven't received. Don't even promise someone money based on a promise you have from someone else. If someone tells you: "Ezra, come to my office tomorrow at 9am and pick #30K"don't go out to buy items on credit based on this promise, with the hope that you will pay off your creditor when the promised money comes; it may not come as promised and this will leave you in problems with your creditors.
xx 8 Things You Need to Know About Small-Business Loans
March 28, 2017, 01:24:32 PM by Isaac Adeniran
8 Things You Need to Know About Small-Business Loans
Here's how to work with lenders to get the funding your small business needs.
By Ami Kassar

Small businesses may be the engine of our economy, but many small business owners view the lending process as complicated and frustrating.

Too often, growing enterprises find themselves shut out when they attempt to obtain small business loans. In theory, it should be difficult to obtain funding--lenders are in the business of making money, not providing charity. Still, there are many ways to improve your odds of getting a loan.

Here are some things to consider.

    Put yourself in the lender's shoes--why should they lend you money? When applying for a loan, treat it as if you're applying for a job. Instead of a great resume, however, you need a stellar application. That means understanding your financial situation and deciding what you can use for collateral, which might include your house. A business person who does the latter shows they believe in their business. Cash flow and credit quality are other key factors. And dress professionally; if you look like you don't need the money, you're more likely to get it.

xx Earn N50,000 in 2weeks on your N12,500 investment with ultimatecycler
January 15, 2017, 06:39:19 AM by timedal
Earn N50,000 in 2weeks on your N12,500 investment with ultimatecycler

Ultimatecycler is back and stronger, it is a community where Members  Donate Money to Members meaning you are not paying money into the site system. Its a mutual community where  Members help members.

This is how it works...
When you register, you will need to donate the sum of N12,500 to a fellow member you registered under his link, and he will then confirm your donation and then *the system (Admin) will put 4 other registered people under you from spillovers who will also pay you N12,500 each, into your bank account, making N50,000. You can also bring people to register under you if you can't wait for the system to do it for you.

You can make these within 12 days of joining. Our team is very active courtesy of our adverts online and offline and also active members who enjoy refering. If you would like to do the business but won't like to refer, do not worry we've got you covered with the spillovers that will come fom our team and also from the admin.

To join our team call Mr. Simon:08050756474 or use this link:
click on join now and enter your details.

PLease register only when you know you are ready to do the business and you have the money. Any registrations without payment in 30 hours will be removed immediately. for more information on this please call Mr. Simon:08050756474

I have earn 50K twice from the system.....it is real and they are paying. I hope to hear from you soon.


xx Break the law and get rich
August 19, 2016, 01:40:10 PM by Success Writer
What do you believe attracted you to this information title?

What do you believe attracted you to this title? Why do you suppose youíre reading these words?
Which part of the title got your attention? Was it break the law, get Rich? Health? Happiness? Learning to Attract? Great Fortune
Or was it the working of the power of God perhaps?
Whatever the obvious reason may have been for your attention to this book, the information contained here has come to you in answer to something for which you have been somehow asking.

Be convinced that the achievement of success was something that could be learned. We didnít have to be born into a family who had already discovered how to make money. We didnít have to get good grades in school or know the right people or live in the right country or be the right size, color, gender, religion, and so on. . . . We simply had to learn a few simple principles and then consistently put them into practice.

Do you know that Itís so much easier for you to get rich than it is to go broke but there are two things holding you back,
The only 2 things holding you back are:
1) No one has ever taught you how to do it and You donít have an effective game plan in place to make it happen.
2) You donít believe itís possible for you and You donít believe youíre worthy of great wealth.

Youíre going to work on your attitude and your belief level a little bit so that by the time you reach the end of this book, not only will you have a powerful plan in place that will put your riches on automatic pilot, you will sincerely believe that itís possible for you to achieve this goal and that youíre indeed worthy of great wealth.
Once those factors are securely in place, the only thing holding you back is your decision to make it happen.
Let me congratulate you on believing in yourself enough to get this information.
Rather than complain and do nothing, you have proven yourself to be one of those rare individuals that will take the actions necessary to change their lives for the better.
What I am about to share with you can change your life and give you great fortune.
What you are about to discover is totally and completely different from anything you have ever seen or heard before.
It will show you step-by-step how to create great fortune with whatever you have, wherever you are.
Make no mistake about it. This is not fluffy, feel-good, motivational information. This is skill building informative book with a rock-solid plan of action backed with what I called the working power of God that leads to Great Fortune. If you follow the step by step procedure laid down in this book, all of your financial dreams will come true.

What does the title of this book suggest to you? Does it suggest that you rob a bank? Iím not talking about illegal activities or anything like that. Iím talking about breaking a different kind of law. Iím talking about breaking a financial law, rule or principle that not only keeps you broke, but also keep you crawling around on your financial knees for the rest of your life!

It has always fascinated me how this "law" or .principle is well-known among the wealthy people but not known by the people who seem to constantly struggle with their finances.
I first heard these ideas years ago from a very wealthy man who was kind enough to share them with me when he saw how hard I was struggling.

Just like you, I have made a lot of money over the years but I could never seem to hang onto it. As hard as I tried, no matter what I tried, all of my hard-earned money just seemed to vanish liked a puff of smoke. After learning this system, I found out what was causing my lack of progress. If youíre in the same boat, thatís going to change today!

Letís get the ball rolling by talking about a few things to get you thinking about why you are where you are today. Has anyone ever told you that "money is the root of all evil?® The Bible actually states that the LOVE of money is the root of all evil.

People have taken it a step further and say that the LACK of money is the root of all evil.
Let me suggest that there is no such thing as a lack of money! Money is everywhere around you. The only thing you lack is some ideas on how to legally get some of it into your bank account. This LACK consciousness is FATAL to your success!

People who mistakenly reason that a lack of money is why they are not living the life they want to live will forever struggle with their finances! They feel that a lack of money is why people rob and steal from each other. Otherwise, people would simply go out and buy what they wanted rather than steal it from someone else.

Now, stealing is the wrong law to break! But with that said, whatís the answer? If a LACK of money is the cause of your problems, then will an ABUNDANCE of money would solve everything, right? Would it make things better if we took all the money in the world and divided it equally among everyone? Surely, that would level the playing field for everyone and we would all live happily ever after, right? VERY WRONG!

If you took all the money in the world and divided it up equally, it wouldnít be long before all the money ended up right back where it started in the first place, in the hands of the RICH!
Now, why is that statement true? Itís true because most people donít know what to do with their money. Most people blow their paycheck while keeping their fingers crossed hoping for the best.
clip Get A Quick Cash Loan Within 24 Hours
August 11, 2016, 02:55:17 PM by Wale Adeleke

Naijasky.org - First Nigeria Local Communities News plus Top 500 Nigeria Local Business Directories & Blogs in one platform www.naijasky.org

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We offers you a cash loan between NGN50,000 and N2,000,000 ( N2Million) to help you meet a variety of needs.

Our repayment pattern is flexible and conveniently spread over 9 months for new customers.

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4. Flexible repayment
5.Get cash in 24 hours after documents verification.

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  1. Be between ages 22 Ė 55 years.2. Live and/or work in any part of Nigeria.3.  Have a steady source of income that is verifiable subject to a minimum of N50k monthly deposited into a bank account.4. Must be confirmed staff in their present employment.5. Have a functional current account.6. Have valid means of identification Ė International Passport, Driverís License, National ID Card.

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xx Earn Multiple Income Stream With Less Than N7,000
February 27, 2016, 12:41:50 PM by Wale Adeleke
Earn Multiple Income Stream With Less Than N7,000

Earn Multiple Income Stream With Less Than N7,000 with a FREE Website in Your Spare -Time.

4 Simple Steps To Earn Multiple Income Streams With Less Than N7,000 revealed!!!

No matter how secure you feel your job and industry are, there is always a chance things could go the other way. Take the time now to create multiple sources of income in case your main one is cut off in the future.

Even if you don't have much time , there are ways you can passively earn money in your spare time. Doing this helps to make you feel more confident about your financial future, gives you extra cash to spend, and gives you something to fall back on if you lose your job.
Read details @ How to grow a second income

Yours for success
Dr. Wale Adeleke
clip 14 Money Saving strategies
June 08, 2013, 01:47:09 PM by eagleeye
14 Money Saving strategies
1. Spend Less Than You Earn.
2. Don't Over-Think Your Investments.
3. Stop Wasting Time.
4. Eliminate (and Avoid) High-Interest Debt.
5. Talk About Money (And Be Honest).
6. Stop Trying to Impress Other People.
7. Watch Your Progress (But Make It Fun).
8. Take Care of Your Things.
9. Do It Yourself.
10. Plan Ahead Every Time You Spend.
11. Find and Work Toward Your True Passions.
12. Build Real Friendships and Relationships.
13. Improve Yourself Every Chance You Get.
14. Give Without Strings or Regrets.
xx Start Your Business for Less Money in Nigeria
December 19, 2012, 04:43:24 PM by Isaac Adeniran
Start Your Business for Less Money in Nigeria
What's stopping you from starting the business you've been dreaming about?
If your answer is, "Getting enough money to start the business," then maybe you should take a closer look at your plans. You may find ways to get the business rolling without spending as much as you originally planned.
For example, instead of buying a new computer and software, start with the computer and software you have now. Or, if you don't yet own a computer, keep an eye out for bargains. If you were planning to buy a maxed out multimedia PC, consider whether you need all those bells and whistles. If you're just going to be typing word processing documents, you can get by quite nicely on a computer that doesn't offer much in the way of multimedia capabilities. If you're planning to buy an expensive name brand computer, shop around at local discount stores and be willing to consider alternate brands.
Ask, too, if they have any "out of box" specials. These are computers that customers returned (but are in working order, or sometimes computer that were demo models (and are also in working order). We needed a new computer for the office and picked up a HP multimedia computer with a meg of memory and a big hard drive (tower only) for N66,0 00a couple of weeks ago.
Looking for useable bargains like this could save you hundreds of cash on a computer. Once the business is up and running and profitable, you can buy that high-end of higher-priced prestige brand computer with the profits from the business.
Look over every expense with the same eye for keeping costs down initially and you may find you can get that dream business off and running with the money you have available to you now.
clip Where to Get Money to Start a Business in Nigeria
December 17, 2012, 03:13:28 PM by Isaac Adeniran
Where to Get Money to Start a Business in Nigeria

Where can you get money to start your business? That's one of the biggest challenges a startup business needs to address. These 12 start-up funding ideas can help you get your business going. 
What's the biggest obstacle to starting a business? For most people, the answer is money. When you calculate your startup costs and then add in the amount of money you need to cover your personal expenses during the startup phase, getting enough money to start your new business can seem like an impossible dream.
Nevertheless hundreds of thousands of individuals a year do find the money to start a business. How do they do it? How do they find the money to get started? Here are twelve solutio for financing the startup of your small business. Some are nearly risk-free. Others involve significant financial risk and should be used with caution.
1 - Start part-time. If you need a steady source of income to meet your financial obligations (and keep your family covered by health insurance) start the business as a part-time venture. Don't quit the day job until the part-time business has a steady flow of customers and profits.
2 - Start the business from home. You can start your business for much less money if you don't have to foot the bill for office space and utilities for an out-of-the-home office. While you may not want to advertise the fact that you work from home, you will have plenty of company. According to the US Small Business Administration Office of Advocacy, 52 percent of businesses are homebased.
3 - Get advance commitments for work. Line up one or two sources of business before you take the plunge. Former employers, if you left on good terms, are often a source of start-up work, or sometimes funding. Big companies that can send you their overflow work or small jobs that they don't want to do can also provide the initial stream of work and income.
4 - Get a part-time job. Work part time and save up your earnings until you have enough money to start the business. Or, as an alternative, work part- or full-time in your own business and take a part-time job to supplement the income from your new business
5 - Live frugally - and invest the savings in your business. You don't have to live like a pauper or waste hours searching for 50 cent-off coupons to live frugally. A few simple changes  may save you $200 a month or more.
Depending how much coffee you drink, for instance, making it at home or in the office instead of buying it at Starbucks or Dunkin Donuts could save you $10 or $15 a week.  Bringing your lunch to work instead of ordering it out could save you another  $15 or more a week.  Eating a home-cooked meal instead of bringing home fast foods or eating out on week nights could  possibly save you another $20 or $30 a week.  Turning your thermostat down a degree or two during the heating season, and turning it up a degree or two when you have the air conditioning cranking away will save you significant amounts of money during the year.  If you're determined to save money, you can probably find a lot of other ways to cut back on your spending.
6 - Use a credit card. Using a credit card - if you have good credit - is the easiest way to get money to start a business. Equipment, suppliers, advertising and postage (for mailings) can all be purchased with a credit card. And if your credit card gives you a line of credit, you can give yourself an instant loan (up to your credit limit). But using a credit card to start your business bears some significant risk, too. If you're not careful you can quickly run up a huge credit card bill - a bill you'll be responsible for paying whether your business is successful or not.
7 - Apply for a home equity line of credit.  Some banks offer home equity lines of credit that let you borrow up to as much as 75% of the appraised value of your home.  Depending on the value of your home and what you still owe in other mortgages, that can put a significant chunk of money at your disposal for starting your business. The downside: you're putting your home at risk. If the business fails and you can't repay the loan, you could lose your home.
8 - Apply for business loan instead of a home equity loan. Information you'll need to give the bank  includes the: purpose of the loan, projected opening-day balance sheet (new businesses), lease details, amount of investment in the business by the owner(s), projections of income, expenses and cash flow, signed personal financial statements and your resume. You may also need a formal business plan. (If youíre trying to get funding to grow a business you've already started, you'll also need business financial statements for the last three years, and information on receivables, payables, and outstanding debt.) Don't be surprised if the bank turns you down, though. Banks are often leery of lending money to startups. For more information on bank funding, see our articles about getting business loans.
9 - Ask Your Bank About an SBA-guaranteed loan  If the bank turns you down for a business loan, ask them if they'll consider your loan through the SBA guaranteed loan program.  If they agree to do so, they'll forward your loan application and credit information to the nearest SBA district office, for a decision.
10 - Borrow from family and friends. Family and friends are a frequent source of funding for small businesses. But remember, you have to live with your family for a long time - and you probably want to stay friends with your friends. So don't borrow from unless you have a business plan  and have done enough research to know there is a market for what you want to sell. Be sure your plans provide a way to also pay interest on the money borrowed from family and friends.
11 - Look for angel capital groups in your area if your business has the realistic potential to grow to a significant size, (Your local SBDC or SCORE office may be able to point you to a group in your area.)  You'll need a business plan and be able to prove that you have the experience to run the business and the business will make enough money to make the investors a nice profit on their investment.  L
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