Wednesday, June 7, 2017

How To Multiply Unused Funds in Your Bank Account

Best Investment Opportunities in Nigeria

If you have money sitting in savings or current account doing nothing and you don't have the need for it at least for the next 2 or 3 months, it could be you are not yet certain what profitable thing to do with it, for now, then this my little piece of information could interest you.

How To Multiply Unused Funds In Your Bank Account

Someone might quickly think of fixed deposit or Call Deposit as good options for reserved funds. While it isn’t a bad idea, I do not agree. With fixed deposit, you only get to enrich the banks.

It's true fixed deposit for a million naira or a little less could fetch you about 4-7% annually excluding tax. While some see this as an opportunity, I see it as cheating.

By whom? The banking system. Well, don't condemn me yet until I explain my reasons.

Have you heard of government instruments like Federal Government Bond and Treasury Bills?

Do you know they pay more, even more than double of fixed or call deposits?

Treasury Bills or FG Bond is all about lending Nigerian Government money.
They use it to run the country and pay you interest. It’s free money so to speak.
Treasury Bills have a maximum tenor of 364 days, but FG Bonds varies, with longer tenors. These government instruments are 100% risk/ tax-free and can pay up to 18.7% (Treasury Bill as at last week's auction) depending on the tenor.

The more interesting part is that the interest ( ROI) is paid up front, and can be reinvested if it meets the minimum requirements, thereby compounding the interests.

Money Market Funds is also very profitable as well. You can Google it for more details.

Let me share this experience. A friend wanted to go to the bank to do a fixed deposit on her NYSC 'allawee'. She had just passed out and had carefully saved all she was given. Since she had no good business idea to start, she decided fixed deposit would be better than just savings in the bank.

She was promised 4-5% by a bank and she was very excited. When I got to know, I strongly discouraged her. I told her about Treasury Bills, she went to FBN and got a whopping 18.1%. She almost worshiped me.


CBN through Debt Management Office (DMO) has a list of approved banks and financial houses accredited for these instruments. I prefer Banks. Go to your bank and ask how to start. As a tip, IBTC and FBN have the best rates so far, GTBANK follows, but avoid Ecobank or whatever they call that bank.

Alternatively, you can delve into digital currency also known as Cryptocurrency trading, though with risks due to price volatility, yet it has great potentials. Seat Belts On, this could sweep you off your feet.

Crypto currencies:

Decentralized digital currencies based on disruptive Blockchain (distributed public ledger system) technology is the most trending financial news in the world right now. It's not regulated by any government, there is no payment processor, no huge transaction fees, and Blockchain transactions are irreversible and anonymous.

 Recently Cryptocurrency currency market capitalization sped past the $80 Billion mark, surpassing that of Deutsche Bank, one of the biggest banks in Europe, regulated by German Central Bank.

Microsoft, Samsung, Toyota, Intel, J.P Morgan, Goldman Sachs, QnB, Santander, BP, Deloitte, and over 20 top Financial and Technology giants have formed an Enterprise Ethereum Alliance to leverage the use blockchain technology to drive the 21st-century transactions.

Every day I read the news, I see prospects in Blockchain, the technology that drives Cryptocurrencies,

I see the future of business transactions, I see opportunities to earn money. And yes, early investors are reaping reward 10 times.

Then I have my own regrets. In 2011, I received my first $300 from blogging (Google Adsense). It was worth about N45, 000 then. I cleared the Citi Bank cheque into my USD Dom account and decided not to touch it. In 6 years, that has yielded a total of $5.6 - don't laugh. I can show you my bank statement.

 You know what? If I had invested that $300 in 2011 into Bitcoin, the leading cryptocurrency, I would have been $2.4million richer if I were to sell it this day June 6, 2017. I would have made an equivalent of N755,400,000.00 based on today's exchange rate. Wait, I’m feeling uneasy. I am breathing heavily. I need a glass of water.

Well, I am not late. Neither is anyone. I believe we all have our time zone. Yes, that reminds me of a video I shared in this group sometimes ago. Right now there are over 700 digital coin/token based on Blockchain technology. Some just launched. These are facts, bitcoin could rise to $10,000 in 5-7 years coming: it's currently at about $2, 800 today.

Blockchain technology is the future of money changing hands, take it or leave it. You don't have to be an experienced currency trader before investing and benefiting from this exciting world of cryptocurrency. Some are on auto pilot.

All you need is knowledge. Understand what it is and how it works then you will see how you can benefit.

Don't allow people's myopic ideas to shut you out. Trust me; ignorant people will say a lot. But I have my facts. Be determined to acquire knowledge, financial knowledge. Invest time in it. I wish I had this 7 years ago, I’m sure you understand my agony.

Don't keep unused funds idle. Be on the move.

But again, avoid fixed deposit. No banker will tell you this because they have been trained to only suck people, I don't intend to be mean should in case any reader of this post is a banker, but you can confirm the facts. If you are following financial news in the country, there was a report a few weeks ago of bank customers spending over 138 billion Naira on SMS alert.

That's how banks are structured, to make a profit from your own money. But don't hate them instead arm yourself with information and you can use banks as the tool for financial growth.

I may not be a financial analyst or an economist, but this is what I know and they are all verifiable. Knowledge is power, that's why I feel powerful and optimistic inside. I don't regret making a career out of Computer Engineering instead of Economics, or Accountancy, because if you are following the trend, there is a new sector now called - Fintech: Finance meets Technology. I say to myself "This is it".

Be it digital currencies, government financial instruments or developing your own business ideas, my reasons for this lengthy piece are, invest in information and acquire knowledge, learn from others but don't depend on people, You are your best teacher.

Let's start something no matter how little. Let’s Be on the move. Even if we fall, let's pick the pieces and keep moving. With Jehovah God on our side, all I see is a bright future for us and our future generation.

If you will like to get more information about any of the investment option drop your details here and I will get back to you.

Monday, May 1, 2017

How Diamond Usherette Agency Makes Your Event Unique

In this post you will learn:
 -Why Pretty Ushers is not everything.
 -The reason to hire a professional usher.
 -Why Hire Diamond Usherette Agency A-Class Ushering Company in Port Harcourt, Rivers State.

The girls were pretty, wore cute outfits, welcomed your guest, and ushered them to their seats. Music was A-class; guest danced to their fill, but most left with sad memories.

They left home with sad memories of your ushers. You had asked your friends, and managers to get you ladies to act as ushers.

The recruited ladies were of impeccable beauty. On siting them on the event day, you felt the event was going to be epic.

You were however disappointed when you heard the spoken English of these ladies.

• Their spoken English was poor.
 • Their welcoming skills were less than average.
 • Guest sat outside the agreed seating arrangement. And the ushers paid little or no attention to the questions of your guest.

As a result, the guest felt greatly disappointed despite, the excellent music.

They felt you did not treat them with required decorum and so had decided not embrace your next occasion.

In fact, some of your guests decided you are not worthy to do business with. As a result, you lost more a million dollar contract.

The Reason to Hire A Professional Usher 

It is for this reason you need to hire professional ushers for your event.

Why You Should Hire a Professional Usher

Professional ushers know how to make your guest feel welcome

At Diamond Pearl Usherettes Agency, we make sure each guest is warmly welcomed. Each usher takes note of the guest list and makes sure each guest is greeted warmly and ushered in the most comely and professional way to their designated seats.

Professional Usher Know the Importance of Smiling

Smiling makes a number of psychological change occur in your body.

This change is definitely positive. 

Smiling help makes guest or attendees feel happier and less stressed. 

It also helps reduce chronic pain and reduce negative feeling Smiling draw people to you rather than push them away.

 It makes you appear approachable.

 It also indicates confidence and ability to cope well in any stressful situation. 

So by hiring ushers who have learned the keen art of smiling, you show your guest you value them. 

You show your guest that you are confident.

You help break the ice and make your guest consider you to be more trustworthy.

Professional Ushers Makes You Professional

By hiring professional ushers, you give your company a professional edge. 

Clients and potential partners who grace your events accord more value to what you do. 

And this can greatly influence your chance to convince them to do business with you.

Professional Ushers Help To Sell Your Business

By hiring professional ushers you put your business in a positive light. Your perceived value increases and you end up with more money in the bank.

Why You Need Diamond Usherette Agency

You need Diamond Usherette Agency which is based in Port Harcourt so desire that you can take the business to the next level. Speak to us as we offer you our bespoke service that helps you stand out from your peers and colleague.

Reach us on 2348036532254

Friday, April 21, 2017

Konga Daily Set To Launch

Konga daily is set to launch on the 24th of April 2017.

Konga daily is another first from Konga.

It gives people resident in Lagos the opportunity to get delivered at their doorsteps food items they need within 24hrs. So if you need steamy hot rice, or groceries delivered at your door step, Konga daily is for you.

Monday, April 17, 2017

Top 6 Stretch Marks Removal Creams in Nigeria

What are stretch marks?

Source: Wikipedia

You can whatsapp or call  me on 08036532254 for your stretch mark cream.

Stretch marks are long, narrow streaks, stripes or lines that develop on the skin and which differ in hue from the surrounding skin.

They are the result of a sudden stretching of the skin and are extremely common. Source: medicinenews

 According to kids, "Stretch marks are a normal part of puberty for most girls and guys.

When a person grows or gains weight really quickly (like during puberty), that person may get fine lines on the body called stretch marks.

Stretch marks happen when the skin is pulled by rapid growth or stretching." Stretch Marks - KidsHealth

What predisposes people to stretch mark?

  Weight Gain

The normal skin is usually elastic and is able to return back to its normal position after stretching.

 However, when the skin is undergoes changes due to weight gain or pregnancy the elastic limit of the skin is exceeded and this causes uneven marks on different part of the skin.

  Skin Condition

Another defining factor that predispose a person to stretch mark is dry skin. Dry skin makes the skin less elastic compared to moisturized skin.

 Hence little expansion of the skin causes uneven marks to appear on the skin.

If you are someone who have dry flaking skin it best you use moistruizers as they help you maintain an healthy skin.

 To prevent stretch marks it is important to use moisturizers as it help to ensure that the skin is more elastic.


As with most diseases, gene is a factor that predisposes people to having stretch mark. This means you're more likely to get stretch marks if your parents have them. This isn't the end of the world as exercise and taking the right diet helps to reduce your risk of having stretch marks.

Skin Colour

Another factor linked to one being susceptible to having stretch marks is the colour of one's skin. Various studies has shown that people who are fair are less prone to having stretch mark than dark people.

  Dry Skin

Dry skin is less elastic than healthy, well-hydrated skin. If your skin is moisturized, you are less likely to develop stretch marks, as your skin can adapt to changes in your body weight and shape more easily.

 If you are prone to stretch marks, make sure you use a moisturizing product after you shower every day to help seal in moisture. Also, eat a nutritious diet, with plenty of antioxidants such as vitamin A and C to help.

Now we know what causes stretch marks, let’s look at a Review for Top 6 Stretch Marks Removal Creams in Nigeria.

Best 6 Stretch Mark Treatment Creams in Nigeria


1. Strivectin SD Intensive Concentrate

Strivectin performs wonderful result even in people who are in their 8th decade. 8th decades means in their 80’s.

It helps to prevent lines and wrinkles from developing. In fact, Shirley Gerbel confessed of the efficacy of Strivectin, and this is what she said:

 “I am told frequently that I look years younger than I’m.”

 In fact Charlotte raves about this product. According to her, the results are absolutely incredible. “I have been using this primarily on the stretch marks on my inner thighs and in such a short amount of time they have gotten noticeably lighter.”

 PROS of using Strevectin

 • It is absorbed quickly.
 • It gives a nice smooth feel.
 • It isn’t greasy.
 • And it smells great.

2. Mederma 

No matter if you have purple pregnancy stretch marks, you can be sure

Mederma will kill your stretch marks dead.

 According to Dakota, application of the cream twice a day, led to the lightening of her stretch marks. Another user, Jennifer was happy when she was able to scale through pregnancy without having a single stretch mark just because she applied it twice a day as a preventive method.


3. Palmers Cocoa Butter Stretch Mark Removal Cream


 Palmer butter works on people with high melanin. If used religiously in the morning and in the night, Palmer oil helps to prevent stretch marks.

Palmer not only helps to prevent stretch marks, it also leaves the skin soft and supple all day and makes stretch marks fade away.

 Even a lady who gained 50 pounds confessed to its efficacy. “I obtained stretch marks due to weight gain of close to 50 pounds. I tried a ton of different products trying to find something that would fade the appearance to know avail; until I finally tried Palmer and was able to see results within 2 weeks.”


4. Dream Belly Stretch Mark Cream for Pregnancy

 Dream belly is a good moisturizer that is paraben-free. It smells good and isn’t greasy. Lindsey confirms that she has had two pregnancies without a single stretch mark.


5. Trilastin- SR Intensive Stretch Mark Cream

Trilastin has the ability to reduce stretch marks.

However, some people complain about the efficacy of the cream.

 A customer advised you use Trilastin with a derma roller which help to increase the penetrability of the cream. 

Derma rollers have tiny needles that penetrate the skin.

This makes it easy for the cream to get to the stretch mark and heal the skin.


6. Cerave Intensive Stretch Marks Cream


 Danielle stands by the efficacy of Cerave.

 This is what she said: “I ended up with stretch marks from the top of my belly button all the way to my thighs. Surprisingly, Cerave was able to diminish 50% of the stretch marks in just a few weeks."

Others have confirmed the efficacy of the cream in decreasing Age spot. Some have claimed it causes a little irritation but based on the reviews I score the cream (4.I out of 5).

So there you have it -the best 6 stretch mark removal creams in Nigeria. However, I will love to hear from you. I want to know what creams you used in treating your stretch marks and how effective it has been. Also, I will like to know if you have used any of this brand listed above and what's your opinion about them.

Friday, March 31, 2017


Let’s get started. Kwese app is going to give DSTV THE BIGGEST FIGHT OF THEIR LIFE.


Not just because they have an exceptional product but because they have deployed.

They have deployed influencer marketing at the core of their strategy?


Before I get into the how, I want to mention that in their quest to differentiate themselves from DSTV KWESE instituted THE PAY AS YOU WATCH MODEL as against the monthly subscription of their counterpart.

This is however not the only game changer in their arsenal. For those wondering what a game changer is –listen to what Strive said about the game changer.

I will not go into a business unless I can see a "game changer"; something that we are going to do that is different from what others are doing. Let me give you an example; when we launched our operation in Zimbabwe in July 1998 it was almost two years after our two competitors had started their operations. It had never happened anywhere in the world that a third entrant into the market had overtaken such well-established competitors, let alone in less than two months!
Those who know me will tell you that I spend time every day just reading and catching up on what is going on in my industry. Even when I read a newspaper, I do so with a pen in my hand; marking things and following up for more information. " My people, perish for lack of knowledge": In business, if you are not informed, you will perish.
Several years before I launched the networks in Botswana and Zimbabwe (our first two networks), I had come across an extraordinary new billing system from a company in Israel. This system, allowed an operator to charge a customer whilst they were talking rather than afterwards; this was completely revolutionary at the time. It was called "pre-paid", and it was to completely revolutionise, the world of telecommunications; that was the "game changer"!
And this same strategy was implemented by GLO when they entered into the Nigerian market hence breaking the monopoly of MTN.

So with regards to KWESE the game changer was not just the pay-as you watch model, the game changer is by setting up a mobile app so as to capture people within the age of 18-35.
Through this, KWESE would be capturing a demography of the market who did not have personal access to their own Cable TV.


Time will tell.



So back to the how.

 As I earlier mentioned KWESE has deployed influencer marketing at the core of its marketing strategy. 

As with all marketing playing on your strength is key.
And that’s why KWESE used STRIVE to market KWESE or you can say STRIVE used his brand to market KWESE.

How has this been done?

With over 2 million avid followers on facebook, Strive has been able to speak to lots of people about KWESE TV.

He does this through soft selling his business – he does this by providing huge value for free.
So when he offers the sale, people easily buy. By using his influence and by providing value he has also been able to get valuable feed-back.


Marketing isn’t just about providing value marketing also involves getting feedback and making the sell.
And strive does this remarkably well.
To illustrate this deep truth, take a look at How Strive practically asked for feedback using the “SOFT APPROACH”

In the above article Strive started by asking a a key questions? What is your mindset when you see a challenge?

The question, on the surface entices and draws the reader in. For entrepreneurs, they know they have to confront the challenge.

However, The one question on their lips is how? And for ardent followers of Strive they know they are in for a nugget. Because they will definitely get an answer on how to face up with this challenge.

And Strive knowing that the question has pulled in the reader took a step further by utilizing one of the world most powerful tools that has destroyed nations and transformed generations.

He used the tool of Storytelling. A  tools whose effect is damn multiplied when  personalized.

And he told a story of how he was able to overcoming a great challenge. A challenge that could just be the game changer in the PAY TV industry –an industry he was seeking to dominate.

By brilliant marketing, using story telling Strive was able to tie his product into the story.
This indeed creates massive awareness of his brand. But that is only the beginning.

He asked for feedback.

In asking for feedback he tied it to a gift. Something to get people motivated to look for those bug that hampers users experience.


Exclusive content rules the and to succeed in PAY TV this a must.

This is why the who is who in the PAY TV industry go for exclusive content.

Through exclusive content -The Right to broadcast the premier league -HITV was able to give DSTV  a run for their money before losing the right in 2010 to DSTV due to their inability to pay the complete fee having won the right again.

This loss can be linked to eventual demise of HITV from the Nigerian market.
And this why Strive team is chasing exclusive content all the way.

He is not only looking for FEED BACK he is empowering people.

As I mentioned earlier he asked for feedback. And suggestion started rolling in. In exchange of the feddback he received, Strive offered $10000 to the winner.

 You can see the winner her congratulating STRIVE. This is a powerful way to not only empower people but to change lives. As he inspires people to implement the strategies he teaches.

As you can see above Simon Nwachuya was the winner of the competition.


Another powerful tool in marketing is to engage your audience.

Strive does this with purpose.

In response to a statement where he said he was going to fight the right holder of the English premiership to finish –I suggested a way he could do it without having to wait for one year and Strive replied.

By replying to my comment, he makes draw closer to the platform and that’s why I endeavour to read every post he writes.

These indeed are some of the brilliant strategies he has deployed in order to market Kwese App. My question to fans, followers and readers is this: what other strategy have you gleaned from his post

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