Thursday 10 September 2015

What you must discuss with your kids before they leave college

The smoke has barely cleared from the Fourth of July, but for college students, the summer is already winding down. For the parents of rising freshmen, these last few weeks are a time to squeeze in as much quality time as you can between trips to Bed Bath & Beyond BBBY +0.83% for dorm essentials.
It’s also a chance to impart some advice on how to make the most of college and transition to adulthood and autonomy. One key topic you should put on your list: personal finance. “This is likely the first time a young person has had such responsibility and independence handling money,” says Marcy Keckler, vice president of Financial Advice Strategy at Ameriprise.
A recent study by U.S. Bank found that half of college students would give themselves a “C” or below when asked how successful they are in managing their money. That’s a scary statistic, given that financial decisions your 18-year-old makes now are building the foundation for his fiscal future. It means that parents need to do much more when it comes to preparing their kids to make financial decisions while they’re away.
Nine in 10 students say they learn about money from their parents, according to U.S. Bank , and more than half said their parents are their go-to resource for answers to money questions. Look for a natural opportunity (like when you’re paying for all those dorm essentials) to start a dialogue. “You don’t have to plan this big, formal, sit-down conversation,” says Christine Hobrough, head of metropolitan banking at U.S. Bank in the Twin Cities.

Discuss expectations for the semester. Make sure it’s clear before junior leaves which of you will pay for which college expenses. In addition to tuition and room and board, you’ll need to work out who will cover extras like off-campus food, social activities, and shopping.
Now’s your chance to go over the basics of making a budget, differentiating “needs” from “wants,” and making some set amount of money last for the entire semester or year.
“Make sure that parents are offering selective financial support,” says Sharon Miller, national sales executive at Bank of America BAC +1.33% Merill Edge. “We want to help our children become young, responsible adults, and when you pay for everything, you delay some of that independence.
Select financial institutions together. If she doesn’t already have her own bank account, now’s a good time to set one up—even if it’s jointly owned with you–so that she can handle the payment of at least a few monthly bills like car insurance or a Netflix

Monday 8 June 2015

YAHOO BUSINESS MAIL|GET YOUR BUNESS EMAIL HERE




Yahoo business email allows you to get a professional image with yahoo Business email. The package includes the following features:
1.      A customised email addresses.
2.      Leading antivirus software.
3.      Award-wining spam protection.
4.      A domain name.
5.      Unlimited Storage Space
6.      1 web Page
7.      Easy to use and powerful mail interface.
8.      Complete Business Communication Solution
9.      Customer Service
For you to create a yahoo business email address, you must have to find the business email plan that suits your needs. Creating a yahoo business email will cost you only $9.95 per month and $34.95 annually.
One thing good about this platform/package is that you sign up for a full website and your email is included. When you sign up for yahoo web hosting, not only do you get email. You get a domain, easy site design tools, unlimited site storage and unlimited data transfer, All with a 30-day satisfaction guarantee.
YOU CAN ALSO GET YOUR OWN YAHOO MAIL ACCOUNT HERE
EVERY PLAN IN YAHOO BUSINESS EMAIL INCLUDES
Email
§  20 MB email attachment size
§  Access email using a POP client like Microsoft Outlook Express or Eudora.
Website
§  1 customizable template for your website, which include colors, buttons, pictures, and other graphic elements. The ability to customize your website helps your site look more unique and professional.
§  Website customization
§  Domain name included
Email protection
§  Norton AntiVirus Software − Scans email messages and cleans any detected viruses to help protect your computer from infection. Norton AntiVirus is included with Yahoo Business Email plans.
§  SpamGuardPlus − Help identify and dispose of bulk email marketing messages (also known as spam) that might otherwise clog up your inbox.
§  Filters − A technical tool that automatically sorts and organizes your email. For example, you can create a filter that delivers email from your friends directly into a "Personal" folder, so you can keep these messages separate from your business correspondence.
§  Blocked addresses − The ability to divert certain senders' email messages directly to the trash. This feature saves you time and helps prevent spammers from contacting you.
Mailbox Tools
§  Default mailbox to collect misaddressed messages
§  Automatically forward email to another address
§  Easy-to-use, powerful email interface
§  Address AutoComplete
§  Ability to send and receive messages from multiple email accounts
Customer Service
§  24-hour phone support
§  24-hour email support
§  Comprehensive online help center

Yahoo! Business Email is a combination of all of their email services with 10 distinct accounts each with the same features of the plus version and personalized domain name and email address. Accounts can be managed by an administrator. There is a $9.95 set-up fee per month and $34.95 custom mailbox
Classic Yahoo Mail underlines addresses and phone numbers in emails and allows the user to add them to the address book.
This is an amazing feature right? Now it’s time get started and get yourself a Custom Yahoo Email Address.
You can contact us for immediate assistance

Tuesday 2 June 2015

WHAT TO DO IN COLLEGE/UNIVERSITY TO PAY SCHOOL FEES

Are you a student in school? About to graduate? If you are preparing to go or currently attending college/university, the costs probably are daunting. The cost of a year in college/university runs right around the average of $440/year for those in Nigeria and about $2,300 in US. This is unaffordable for many, and painful for all but the most wealthy. Fortunately, there are many things a parent and student can do to mitigate the costs of university/collage. Most of these are well known options, including summer and school year jobs, financial aid, attending public or private institutions, using community college as a launching point for a four year college, joining the military and using GI Bill benefits.

1: BE MOTIVATED
One option that is rarely considered is for a student to start their own business in school. Notwithstanding the notable examples of Bill Gates, Mark Zuckerberg, and other urban legends, this is not a choice most university/college students will make. If you know me in person and you are reading this post, then you must know that I wrote this post out of the passion I call “must lead by example passion”
Note that most businesses don’t need to have employees or complex operations in order to generate profits. As stated before in this blog, you just need to identify a product people want to purchase and sell it at a profit. If you do this well and generate self-sustaining repeat business, you can minimize the amount of hustle required to get new business and focus on your studies.
ALSO READ: WHY RUNNING OUT OF CASH WILL MAKE YOU RICHER
Another advantage for those who are taking business-related courses in college is that you can immediately apply your newly learned knowledge to your business. Hence those who would like to start a business in school but don’t know how to go about it should contact me with +2347037281050 for my free assistance only on calls.
Hence you will need a business plan after we must have done a free market survey for you at just $105 or 20,000 Naira for small and medium scale business. This business plan will cover your company logo, minimum and maximum start-up capital, target customer, market survey analysis, SWOT analysis, etc. We will also give you all the guided steps you will need to import any goods from US and China if we write your Business plan, meaning we will help you on how to start a mini-importation business and make huge profit in CAMPUS. This is something I did while in campus and my closest friend never knew I was into mini-importation, but now am going to give you a free guild on how you can make your first one million naira while on campus.
Matt Remuzzi, a friend and fellow entrepreneur, recommended a book for me called “The Entrepreneur’s Manual.” It’s a classic entrepreneurial tome, and is actually out of print now so if you want a copy you’ll have to get it used. The book talks about “mini-incomes”, and describes a number of case studies of people who had full time jobs, but created mini-incomes from various small business opportunities that helped them achieve their financial goals. when the barber who is the lead character in the book augments his income by running a mobile haircut cart on the side, saving all the money earned and eventually saving his way to financial independence.
What I’m talking about in this blog, however, is about generating income so that your student can pay their way through school. Here are five suggested ways that hopefully will lead you to creating your own mini-incomes that will help you or your student through college and provide a basis for future entrepreneurial endeavours.
2: EMBRACE YOUR HOBBY
Expand upon a hobby, such as photography. When I was in EBSU (Enonyi state University) I had passion for parting/clubbing and graphics/photography. I also have a real talent for photography, and have a portfolio of professional quality photos and graphics designs. I currently go to niche exotic graphics designers like KUTIGRAPHICS, takes samples of his designs, then try to do something similar to that he did and shows to other graphics designers to know if it a good design before I upload it to the internet. If people they like what they see, they pay me to do some designs for them. I must say this again I made roughly $2500 online from just doing minor design and photo editing for people and all my stay in school, I never touched the money I made saving online. Hence I have wasted time on something that gave me cool money and later generated me the money I used for my first automobile importation.
I also involved myself in teaching people photo editing and graphics design.
3: DO WHAT YOU KNOW BEST AND DON’T SHY AWAY
Every student has some subject at which they excel, whether Math, English, or music. Tutoring high school students in your favourite subject can be rewarding and provide a good income stream. You can go through agencies, but the idea here is to make a profit for yourself, not for others.
4: PACKAGE YOURSELF WELL
Create your own fliers and business cards and use your connections back to your high school alma mater (if you’re local) or the local high income area high schools. Ask for referrals and as you do good work, watch your referrals grow.
Look for opportunities to provide services for your fellow students. This could be in the form of concierge type services (for someone with no time to do basic things but extra cash to pay for someone else to do them), shopping, tutoring, note-taking, etc. All these require on your part is the ability to market and perform the service, either yourself or buy paying other students at a rate that lets you make a profit. Obviously you’ll want to market these services to students that have the money to pay for them, since other starving students are likely to have more time than money, or too little of both.
MUST READ: THESE ARE THE 10 PEOPLE THAT WILL MAKE YOU BROKE
5: BE CREATIVE WITH YOUR TALENT/HAND WORKS
Make a good and stylized hand-crafted goods like hand bags, leather pam, banggles, departmental t-shirts, etc and sell them. The internet is a great venue for selling that doesn’t require retail space, going to craft shows, or any brick and mortar other than a dorm room. A co-worker of mine was looking at a business that makes custom wallets out of old ties. The ties are virtually free at thrift stores and for the cost of a sewing machine and labour this business was able to generate in excess of 60K/year, with the owner working part time. Alternatively, work with someone you know who makes handcrafted goods and create a website and marketing plan for them. On Yahoo Stores or similar venues setting up an e-commerce site is both cheap and easy. If you have a friend’s mom who makes the best hot sauce in the world, or knits cardigans for all of her friends, there may be an opportunity to sell those goods to a wider market.
Provide services for local residents or businesses. There are students who have window washing businesses, dog- rearing and dog-walking businesses like my Class mate Uro Geoffrey Izuchukwu, car detailing businesses, landscaping businesses, bead making etc. Market research and finding a demographic are key skills that will be developed here.
College can be expensive, but it’s an opportunity for students to gain practical business skills as well as a more traditional academic education. This is a one-two punch combination that will hopefully give them a basis for entrepreneurship that will stay with them throughout their many careers and help them find opportunities that enable them to explore their passions as well as accumulate wealth. Moreover such people are the major people creating jobs today in the world.
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Friday 22 May 2015

8 BAD GIRL TRAITS YOUR BOY FRIEND WISH YOU HAVE

girlfriend

Having bad girl traits doesn’t mean you should be a bad girl yourself. It`s much better to master some of these traits than to be totally bad. Being a bad girl is all about constant troubles more than about having fun. Perhaps your boyfriend wants you to be not just a gentle girl and his beloved, but also his best friend who can do some crazy things and make his life more interesting. You should not only try to make him responsible, self-aware and purposeful, but also become interested in his entertainments and prove that you`re not worse than his fellows. Men love women with nice sense of humor and those who can sometimes become a bit “crazy”. Let’s say, if you try to be a bad girl once in a while, your man`ll probably love you even more. Here are 8 bad girl traits your boyfriend wants you to have…

1. Passion

I`m talking about passion that`s a needed adding to every kiss. Kisses look nice even without it, but everything becomes a kind of something artificial. All men want to have a passionate women, who feels every touch and adores every piece of their skin. Passion plays an important role in relationships, so if you can`t feel it while you`re kissing your man, you probably need to look for someone else to fall in love with.
Also Visit: click here

2. Dominance

Generally, men are dominant, but they are also happy to be under your control. You don`t have to rule your partner all the time, but once in a while it`ll be pleasant for him and you`ll see it at once. Be brave and seductive to surprise your boyfriend with your unexpected dominance.

Wednesday 6 May 2015

Destiny: 10 People Who Will Destroy Your Business



I must have to tell you the truth about the people who will utter your dreams and differ the direction of your destiny, if you want to build a great business, you have to be very deliberate about whom you let into it. I have to write this post out of my personal experience while trying to become a CEO before 25.
Emotions and behaviors may circulate through social networks in patterns similar to what’s seen in epidemiological models of the flu virus. Every positive person you let into your life increases your chances of being positive 11 percent
Figuring out whom to avoid and who to let in won’t always be easy. But with a little practice, you can get really good at staying far away from people who might bring your business down.
Here are 10 people (whether employees or clients) you should avoid if you’re starting a business:
Related: how to avoid getting bankrupt in your business

1. The elephant type of people.

The elephant will always used your past to weigh you down. An elephant never forgets. Elephants are those people in your business who never let you live down past mistakes. They never let you live down who you used to be or how many times you’ve messed up. They will give your proof why you will mess up again which will most times affect 90% of entrepreneurs.

ANDROID: ANDROID OPERATING SYSTEM




Developer         
Written in-----------------C (core), C++, Java (UI)
OS family------------------Unix-like
Working state------------Current
Source model-------------Open source and in most devices with proprietary components
Initial release--------------September 23, 2008
Latest release--------------5.1 "Lollipop" / March 10, 2015; 13 days ago
Marketing target---------Smartphones, tablet computers, TVs, cars and wearable devices
Available in----------------68 languages
Package manager---------Google Play, APK
Platforms-------------------32- and 64-bit: ARM architectures, x86, x86-64, MIPS and MIPS64
Kernel type-----------------Monolithic (modified Linux kernel)
Userland---------------------Bionic libc, mksh shell, native core utilities with a few from Net BSD
Default user interface---Graphical (Multi-touch)
License-----------------------Apache License 2.0
GNU---------------------------GPL v2 for the Linux kernel modifications
Official website               -------------www.android.com

Android is a mobile operating system (OS) based on the Linux kernel and currently developed by Google. With a user interface based on direct manipulation, Android is designed primarily for touchscreen mobile devices such as smartphones and tablet computers, with specialized user interfaces for televisions (Android TV), cars (Android Auto), and wrist watches (Android Wear).
The OS uses touch inputs that loosely correspond to real-world actions, such as swiping, tapping, pinching, pressing, and reverse pinching to manipulate on-screen objects, and a virtual keyboard. Despite being primarily designed for touchscreen input, it also has been used in game consoles, digital cameras, regular PCs (e.g. the HP Slate 21) and other electronics.

Friday 1 May 2015

HOW TO MAKE MONEY ONLINE: SEASON ONE

 It’s not a new thing that everybody wants to learn how to make money online; yes it’s true you can make millions of dollars online from the comfort of your bed without going broke. So in this episode of making money online, I will be telling you the basic thing you can do to make a living with your computer at home. All you need is just a steady internet connection and you get it going. Here are some tips on how to make money online.
  1. Blogging
One of the best and surest way to make huge income online is to build a website/blog. I built my first website in January 2015 and started making money with it early march. If you are thinking on starting a blog/website. Then it a good to go idea, stop THINKING and starting ACTING. You can make over $500-$2000 monthly from your blog if you do the right thing and do it right. Before you build your first website, I need you to ask yourself these questions.

1--what can I offer to my visitors?  
2--What ways am I planning to monetize my website?
3--Can I source out content for my website easily?
4--Do I know the topic so well that I can answer any question that my visitors ask?
5--How Can I RANK high for my site easily on Google and other search engines?
 
If you have answers to these questions, then you are on the right track. Before you start a site, you need to know your topic, the keywords you are trying to rank for. Your Keyword is so important that it can make or mar your success in blogging! If you go for keywords that are so hard to rank for, then you might never rank, and might never earn.

Wednesday 29 April 2015

HOW TO MAKE MONEY IMPORTING USED CLOTHS AND SHOES IN NIGERIA

HOW TO MAKE MONEY IMPORTING USED CLOTHS AND SHOES IN NIGERIA
gudtalent importation
This business is popularly called BEND DOWN SELECT in Nigeria. Many people would rather prefer to buy shoes from the fairly used shoe dealers than buy the Aba made, China made, or Idumota Oshodi made shoes in Nigerian markets. Not as if they are not patriotic but because they love quality. Its better they get Oliver Fox from imported fairly used dealer that they’re sure is the genuine quality even though it has been used than getting a brand new Louis Vuitton in Idumota that is actually fake and made in Aba. Doe you can still get very few quality once that are locally made.
There are so many people in Africa, Nigeria to be precise who prefer to go for fairly used tokunbo shoes whenever they don’t have enough money to buy pure designers than buy the inferior new ones. One thing you should know is that original things last longer than the fake new ones.
Importing fairly used cloths and shoe into Nigeria has been a big business over the years and the trend doesn’t seem to vanish soon. So I advise you take advantage of this opportunity. It is a very good business opportunity that is fitting for those outside the country where these things are gotten very cheap, sometimes free.
to continue reading, click here 
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Tuesday 28 April 2015

7 signs he’ll be good in bed

SEX: 7 signs he’ll be good in bed


Every woman will fall in love with a guy who can turn them on in bed and maintain the vibe of satisfying them on bed. This has made so many girls fall in love with the wrong guy just because he is a hero on bed and at the same time had broken so many relationships just because the guy is as weak as a ripe avocado while on bed.
Knowing fully well that Time is one of ladies most expensive assets, so, ladies don’t want to waste their precious time on a guy who couldn't turn on a light switch, let alone you.  Here’s seven ways that you can spot whether your dude is a dud or whether the guy you’re seeing is going to be great in bed.
1: He’s a John Travolta
Even though he’s a little past it these days, everyone knows that in his prime John Travolta was a smoking hot lover. How? Well, because of his dance floor moves. Any man who can move his hips like that is going to be able to satisfy all of your needs. 

Monday 27 April 2015

How to Categorize Posts in Blogger


How to Categorize Posts Under a Subheader in Blogger


Google's Blogger service is an easy-to-use and free blog service to get your business blog up and running. While your blog's homepage doesn't have a subheader category list by default, you can make one yourself using labels. Labels are Blogger's versions of tags -- words or small phrases that describe the content of a post. By placing a the "Labels" gadget directly under your blog's header you effectively create a subheader to categorize posts. When readers click a category they're led to a list of blog posts that you've added that label to.

Sunday 26 April 2015

A copied and inspiring post for nigerians

Nobody would have known the
family of MANDELA if not
because of NELSON.
Nobody would have known the
family of OBAMA if not
because of BARACK.
Nobody would have known the
family of AKUNYILI if not
because of DORA.

Wednesday 15 April 2015

HOW TO MAKE CALLS ON WHATSAPP

HOW TO MAKE CALLS ON WHATSAPP

Every day, new innovations are made on how to live better using the different social network.

                I must tell you that you can now make calls using your whatsapp. You can now call your family and friends on your favorite chatting app whatsapp for free. It’s a new feature on whatsapp. All you have to do is get your whatsapp updated and if you do not see the feature on your whatsapp.

Tuesday 14 April 2015

5 Reasons why Ladies Need Good Guy Friends

5 Reasons why Ladies Need Good Guy Friends
 Written and posted by: GT Igwe Chrisent
Sourced by: Dr. Emmanuel Eze

Having done some research and asking series of question why some girls prefer guys to girls as their close friends, I’ve come to discover that ladies tend to be more comfortable when it comes to issues regarding opposite sex. Asking my female friends Angel, Kelly, Uju, Kamsi and others, they all preferred having guys as their close friends to girls.

Friday 10 April 2015

HOW TO TEASE YOUR GUY

HOW TO TEASE YOUR GUY

5 sexy ways to tease/seduce your man

I know you want to tease your guy. If you want to put back some urgency into your bedroom antics read these five tops tips and how to go about it, They’ll help you seductively torture your man and make him scream out, begging for you: but please don’t do it if you know you will not dance to his tone when he is eager to do it to avoid pushing him into cheating.

Thursday 9 April 2015

FOOD: 7 FOODS TO EAT TO HAVE A PERFECT SKIN

FOOD: 7 FOODS TO EAT TO HAVE A PERFECT SKIN

If you really want to have the best skin then this post is for you. here are the best food you shouldn't miss. 

1: Brown Rice   

Brown Rice is a rich source of Vitamin B, protein, selenium, and magnesium, and countless other antioxidants. It also is a great food that can help balance sugar levels which has been linked to skin breakouts. The steadier your blood sugar level is, the more likely you are to not break out. Food for though!

NAIRALAND: NAIRALAND.COM |SIGN UP A FREE ACCOUNT

NAIRALAND: NAIRALAND.COM |SIGN UP A FREE ACCOUNT

OVERVIEW


HOW TO SIGN UP/CREATE A FREE NAIRALAND ACCOUNT
STEP BY STEP GUIDE
1: To sign up for a free Nairaland account visit www.nairaland.com or click here
 For a direct sign up page.
2: From the homepage, click on Join nairaland and it takes you to the email page
3: enter your valid email address on the place show “enter your email address”
Once you enter you email address, you will see “Please check your E-mail”
NOTE: if you cannot find the mail in your inbox, check your spam folder
4: Log into your email address, open the link that is sent you to complete registration
5: from the redirect page of account completion set up, enter your desired USERNAME and PASSWORD
To get started.

HOW TO EDIT YOUR PROFILE ON NAIRALAND
Once your account set up have been completed, to edit your nairaland account, click on EDIT PROFILE located at the right top and make the necessary changes as desired and click UPDATE PROFILE.

HOW TO PLACE TARGETED ADS ON NAIRALAND NAIRALAND.COM

Just as I said before, Nairaland runs a Targeted Ad Platform with which any Nairaland member can place adverts on the sections of Nairaland where the people he/she wants to reach are most likely to be found (for example, a political party could place ads on the politics section with it).
To place ads on Nairaland, follow these steps

STEP 1:  get your ad banner designed by a good graphic designer.  


STEP 2: go to www.nairaland.com/campaign and click (Upload Ad) to upload your banner ad and landing page, and wait for approval.

NOTE: Your ad might not be approved if it's deceptive or illegal or morally questionable in some way.

After your ad is approved, you will be provided with information about how to purchase advertising credits so you can freely place your ads on any section of Nairaland including the home page without any restriction at all.
If you like this post, please share to others and comment.
Follow us on twitter and instagram @gudtalent……….
This post is sourced from Nairalan in gtpedia

Tuesday 7 April 2015

Thursday 2 April 2015

BASIC CHARACTERISTICS OF ANTIBIOTICS



BASIC CHARACTERISTICS OF ANTIBIOTICS
Today, there are about 4000 compounds with antibiotic properties. Antibiotics are used to treat and prevent infections, and to promote growth in animals.
Antibiotics are derived from three sources:
1: Moulds or fungi
2:  Bacteria
3: Synthetic or semi-synthetic compounds. 

HOW TO AVOID TOO MUCH SPENDING



HOW TO AVOID TOO MUCH SPENDING


Its not a new thing that many big boys, girls, men and women who are well known often end up begging because of how they over spent their money when they had it

Below are five ways you can actually control the rate at which you spend 

Wednesday 1 April 2015

THE OLDEST PERSON IN THE WORLD DIES AT 117

Misao Okawa, world's oldest person dies today at 117

The World oldest woman and a Japanese woman, Misao Okawa, who is said to be the world's oldest person, died today April 1st, just a few weeks after celebrating her 117th birthday.

President Jonathan Slaps Gen Buhari

president Jonathan This morning after congratulating Gen Mohammed Buhari for emerging victoriously as the new president elect gave Gen Buhari a dirty slap of his life this morning for calling him a weak man..
Click to see photos

POUNDED YAM FLOUR EXPORT POTENTIALS



POUNDED YAM FLOUR EXPORT POTENTIALS
(This is the reason why you should invest in yam flour business)



       It’s now a story of the past where housewives go through the tedious process of peeling, cutting, boiling and pounding yam tubers just to make pounded yam for dinner. It is no news that new methods have been developed which saves you the stress of pounding yams just by simply processing the yam tubers into pounded yam flour which can be easily prepared by simply adding the powder in hot boiling water and stirring to form a paste.

Monday 30 March 2015

7 BEST SUPER FOODS FOR RAPID WEIGHT LOSS



7 BEST SUPER FOODS FOR RAPID WEIGHT LOSS

(1) Pistachios

Research  have shown that eating Pistachios reduces the body BMI by a point in two weeks