Nigerian Sketch Artist Toni Kuyinu Recreates Falz “This Is Nigeria”

At a time when the social conscience of the average Nigerian is awakening or better described as being “woke”, not a few Nigerians are using their talents to draw attention to the ills of the society.

One of the #Nigeriancreatives, Toni Kuyinu has captured our attention with his graphic illustration of Falz latest and incredulously popular single This is Nigeria.

This is Nigeria has, since its release, garnered a lot of attention among religious bodies, the Nigerian legal system, and the International borders.

Taking the storyline a step further, Canadian based Kuyinu does an incredible work in which its subjects and their stories are not difficult to spot.

 

 

Readmore https://guardian.ng/life/nigerian-sketch-artist-toni-kuyinu-recreates-falz-this-is-nigeria/

All photo credit  :Toni Kuyinu

Lagos leads rest of Africa in tech hubs, but not funding

Lagos has taken over as the African city with the highest number of technology hubs (31 active hubs) according to Global System for Mobile Communications Association (GSMA) report released in March 2018.

On a country comparison, Nigeria lagged South Africa by the number of technology hubs (tech hubs) with 55 active hubs, leaving the second largest economy which boasts 59 active tech hubs on the Africa continent to take the lead.

Despite Lagos newfound status, a report released in February by Partech titled ‘VC Funding to African Tech Start-ups, 2015-2017’ showed that funding to tech start-ups in Nigeria slowed down compared to those in South Africa and Kenya during the period. Lagos accounts for more than 70 percent of the entire tech ecosystem in Nigeria. The tech start-ups received $115 million in the period representing a 5 percent growth year-on-year and accounting for 20 percent of the total funding coming into the African continent.

Tech hubs are defined as physical spaces designed to foster and support tech start-ups. These include incubators, accelerators, co-working spaces, fab labs, Makerspaces, and other innovation centers. Active hubs, on the other hand, are hubs that show active digital presence (website, news, social media).

Africa is currently home to 442 tech hubs according to the 2018 tech hub report; this was up by 128 from 314 active tech hubs reported in 2016. Other leading tech hub countries in the continent, apart from the two largest economies include; Egypt (34), and Kenya (30) Morocco (25), Ghana (24), Tunisia (17), Uganda (16), Zimbabwe (13), and Senegal with 12 techhubs.

Collins Onuegbu, founder of Sasware and director at Lagos Angels Network (LAN) told BusinessDay that the report does not come as a surprise given the size of the city both in population (20 million people) and economy (GDP of over N100 billion).

“Investors go to the hub, to seek out smart start-ups to invest. The more hubs that open up to them, the more start-ups get trained and more likelihood that more receive funding,” he said.

He also explained that South Africa and Kenya have relatively matured economies compared to Nigeria. More investments happen at different levels of startup developments in South Africa.

“Kenya has had some stability in government. The government has had a focus on technology as a way to diversify its economy. It is only recently that Nigeria woke up to this possibility,” Onuegbu said.

Countries like Ghana and Cote d’Ivoire have also experienced significant growth in the number of active tech hubs over the past year. In fact, the Ghanaian ecosystem – home to hubs such as MEST and iSpace – has grown by 50 percent (from 16 to 24). Similarly, Abidjan in Cote d’Ivoire has gradually positioned itself as the new catalyst of innovation across Francophone Africa and has seen its number of active tech hubs double.

Funding has also picked up in many of these countries. Tech start-ups in Ghana which is less than the size of Lagos closed six deals in 2017 compared to Nigeria’s total 17 deals.

David Alozie, a tech ecosystem expert, said that while the GSMA report shows that the number of hubs in Africa is growing, it does not quantify the level of impact of the growth.

“The report could make tech investors believe there are more opportunities in Nigeria because of the number of hubs and the population. However, the number of hubs does not translate to investments. Investments come when there are good start-up cases,” he said.

Babatunde Babs Ogundeyi, the founder of Kudimoney.com, told BusinessDay that funding is a process which the Nigerian ecosystem must go through. To attract significant investment and get investors excited about Nigeria, the country, he said, must have more success stories, more exits.

“It will happen, but it is a process; even Silicon Valley was built over many years,” Ogundeyi said.

 

Readmore http://www.businessdayonline.com/lagos-leads-rest-africa-tech-hubs-not-funding/

 

Facebook brings first African tech hub to Nigeria

Social media platform, Facebook has opened its first African technology hub in Nigeria.

Located at Mongomery, Yaba, a suburb of Lagos, it is named NG_Hub. The hub, which is equipped with modern technologies, also boasts of several workspaces.

In the likes of the CCHUBs, NG_Hub, The Guardian, gathered that it was established to further deepen advance technology, including Artificial Intelligence, Augmented Reality, Machine Learning, Internet of Things, among others in the country.

At the unveiling, Facebook also disclosed that it planned to empower about 50,000 young Nigerians with digital training, which had started.

Facebook, which claimed that there are 26 million daily active users of the platform in Nigeria, explained that it was keen on enabling a robust technology ecosystem in the country.

According to the Vice President, Product Partnership, Facebook, Ime Archibong, the launch was about what the platform can do to enhance the great development in the ICT sphere of the country.

Archibong revealed that so much investment went into the project, which started seven months ago.

He said the NG_Hub would service the entire ICT ecosystem, including, SMEs.

From his perspective, Facebook’s Manager, Developers Programme, Emeka Afigbo, the hub would provide opportunities for businesses to be formed and developed.

Afigbo, who revealed that lots of SMEs rely on Facebook to drive their businesses, noted that most businesses thriving today were built through the social media platform.

According to him, as part of the drive to develop the ecosystem, Facebook has started the process of training 50,000 young people in digital skills so as to be able to leverage technology to stimulate economic growth.

At a post-event interview with The Guardian, Facebook’s Director, Public Policy, Africa, Ebele Okobi, the choice of Nigeria to be the first destination in Africa was because of the strategic importance of the country in Africa to the technology company.

Besides, Okobi said there has been a very strong technology ecosystem, which is fast emerging from Nigeria, “which must be nurtured and supported adequately.”

She revealed that Facebook will be working with some partners, including CCHUB, Digify, APCON, She Leads Africa, Tripple A, among others to drive the initiative and makes it more beneficial to the country and Africa as a whole.

From the Office of the Vice President, the Special Assistant on Innovation and Entrepreneurship to the VP, Ife Adebayo, the hub should further enhance ICT development in Nigeria.

Adebayo revealed that the VP, Prof. Yemi Osinbajo, is committed to the advancement of technology in the country, “reason he personally toured about 10 tech hubs recently so as to have first-hand information about them and to know areas of challenges.

 

Read more https://guardian.ng/technology/facebook-brings-first-african-tech-hub-to-nigeria/

INEC announces dates for 2019 elections

…. Almost here : time for vote for change? or consistency?. Let’s mark our calendars and do the needful- get our voters cards and national I.D cards.

The Independent National Electoral Commission (INEC) has scheduled the 2019 Presidential and National Assembly elections for Saturday, 16th February, while the Governorship and State Assembly/Federal Capital Territory (FCT) Council elections have been scheduled for Saturday, 2nd March 2019.
 
This was disclosed yesterday by the Chairman of the Information and Voter Education Committee (IVEC), Prince Solomon Soyebi, at a press briefing held at the Commission’s Headquarters, Abuja.
 
Prince Soyebi pointed out that the Commission believed that there should be certainty with regards to the timetable for elections as obtained in other countries with advanced democracies. Said he: “in order to ensure certainty in our dates for Political Parties, Security Agencies, candidates and all stakeholders, the Commission has decided to fix the date for the National Elections for the third Saturday in February of the election year, followed by State elections two weeks later”.
 
He continued: “to that extent, the 2019 Presidential and National Assembly Elections will hold on Saturday, 16thFebruary 2019, while the Governorship/State Assembly/Federal Capital Territory Area Council Elections will hold on Saturday 2nd March 2019”.
Read More http://www.inecnigeria.org/?inecnews=inec-schedules-2019-general-elections-for-saturday-16th-february-and-saturday-2nd-march-2019
 

 

7 Simple Ways to Save Your Money

Thanks to technology, it is now SO easy to spend your money.

The month you intend to save twenty percent of your income, the ATM will make sure it doesn’t happen. Then you swear that next month, you will save thirty percent of your income because last month, you failed to save twenty. Then again, the ATM, POS and online shopping are there to mess everything up.

The worst is the ease of buying ANYTHING online, especially airtime. In the past, I would refuse to make some calls because “I can’t go downstairs to buy recharge card”. But now, you can literally buy as much airtime as you want from the comfort of your bed, even at midnight.

How then do you avoid these temptations? How do you save money in this environment that is so hostile to savings? How do you start your wealth building journey?

  1. Will

The willingness must be there.

There is no way to control your impulse to spend if you are not willing to save. This is especially so in the current financial environment that brags on immediate access to funds. The best way to motivate yourself to be willing is to sit down and think about what savings can do for you in the future. Think about how it would lead to your financial freedom and ultimately allowing you to live your life the way you want.

Put simply, think about how it will lead to your freedom. This will give you a strong motivation. You can also think of things that are personal to you that will motivate you. To be financially free, you must save, find creative ways to motivate yourself to do the needful.

Don’t allow your wants today to deny you of a blissful future.

2. The first thing you must do when you earn

You cannot save if savings is the last thing you do when you earn.

The great American Investor Warren Buffet puts it perfectly when he said ‘don’t save what is left after spending, but spend what is left after savings’.

If you saved last, then your expenses will always gulp all your money so that you will have nothing left to save.

Save first instead.

Deduct the amount you want to save from your income then try your possible best to survive with the rest.

This will be difficult at first because you will be forced to adjust the way you live. Meaning that your lifestyle will initially suffer.  But you will get used to it-  if you are serious about it.

3. Make it difficult to access your savings

The retail banking sector of the banking industry in Nigeria has witnessed an incredible advancement in the past decade.The banks in an attempt to provide good banking services to you and I have gone on to innovate things that make spending so easy.

What do you do then? Make it difficult to access your savings account.

You can have as many bank accounts as you want but choose one savings account where you will save. Never allow access to internet banking to it, cut up the ATM card to that account, never download the bank’s application, never use their mobile service.

Nothing, just your money in your account. That way, you will have the hope of saving some good money.

You can also the services of Insurance companies that offer savings programs that can also serve as insurance covers.

It then becomes even more difficult to spend impulsively because once you terminate before the stipulated time, there is a penalty, and that is the last thing you will want for your savings.

There are also good traditional means of savings out there.

Whichever you choose, make it hard for you to access your money.

4. Set a goal

Have a goal to save a particular sum or a particular percentage of your income (but nothing less than 10 percent) every month and every year.

Don’t just have in your head that you will save this particular sum, write it down, remind yourself of the goal every day and work hard toward achieving it.

Goals are like burning fire, when you have one, and back it up with the right actions, you will be unstoppable.

5. Have a budget

You earn fifty thousand naira, and promised yourself you’ll save twenty thousand naira and spend the rest. You will find it very difficult to achieve this if there is no budget.

A budget disciplines you and helps you control your expenses.

When you want to splash the cash on that nice pair of shoes you saw in an ad on your way to work, a budget will remind you that you are not supposed to spend on shoes that particular month.

Create a budget and keep to it, it will help you save more.

6. Have a simple lifestyle

Having a simple lifestyle means spending only on the things you need.

Not spending on the things you want or the things that will satisfy your ego.

Make your life simpler;  you don’t  need to wear overpriced luxury items.

The more you indulge in unnecessary spending, the more you hamper your chances of becoming wealthy. You choose.

 

Read more http://www.mynairajourney.com/blog/best-ways-to-save-your-money/

 

 

 

 

 

Top 8 personal Finance books for your must-read list

Have you ever read anything about making money?

This question sounds stupid but you will be surprised at the number of people that will respond ‘No’ to it.

Just like men with women, making money is one of those topics we feel that we know everything about.

Reading personal finance books is one of the best thing you can doto educate yourself financially and for your future finances sake.

Here are my must read personal finance books.

  1. The Millionaire Next Door by Thomas Stanley and William DankoPersonal finance books

You may be surprised to know that the people we thought are millionaires are only living in debt. That is the primary lesson of this book. Wealth is not how good you live, the kind of car you drive or the kind of fancy neighborhood you live in. Those things are not wealth, it’s only living high. Thomas Stanley and William Danko have taught us a valuable lesson about millionaires: what they did to get their wealth, how they live and how they spend their money.

  1. The Automatic Millionaire by David Personal finance booksBach

If you want to read some very simple things that you can do to help you achieve financial freedom and retire early, then I recommend this book. David Bach gives some  sound savings and investment ideas we should all take advantage of.

  1. The Richest Man in Babylon by George S. ClasonPersonal finance books

This timeless classic has helped a lot of people to achieve their financial goals. First published in 1926, it was originally a series of financial stories told through parables. The banks and insurance companies helped it gain a wider audience by giving it away for free. I believe every young person, especially those still starting out in life, should read this book because the information in it is so valuable that if you miss it as a young person, and read it much later in life, you will wish that somehow, somebody gave it to you in your youth.

  1. I Will Teach You to Be Rich by Ramit Sethipersonal finance books

Budgeting is important if you want to achieve financial freedom. This is a great book for people new to budgeting, people who don’t earn much but want to use the little they earn to achieve financial freedom. Ramit Sethi lesson is simple – decide for yourself what it means to be rich and act on it.

  1. The Secret of the Millionaire Mind by Harv Ekerpersonal finance books

The name of this book says what this book is all about – The Millionaire’s Mind. If you want to be a millionaire or a billionaire, read this book. What Harv Eker is promoting in this book is that the greatest difference between the rich and the poor is simply in the mind. Change your poor mindset and attitude and you will achieve wealth.

  1. Thinking Fast and Slow by Daniel KahnemanPersonal finance books

Daniel Kahneman is a Psychologist who won the 2002 Nobel Memorial Prize in Economics. In this highly recommended book, Kahneman takes us on a tour of the mind and explains what drives us to think and act the way we do. Personal finance is all about decision making. Understanding what makes us think and act the way we do is key to making good money decisions.

  1. The Total Money Makeover by Dave Ramseypersonal finance books

This book is focused on paying off debt. So if you see yourself as one who always swims in debt, this book is for you.

8. Rich Dad Poor Dad by Robert KiyosakiPersonal finance books

Robert Kiyosaki wrote this book from the experience of having two father figures when he was growing up. That experience shaped his life and writing immensely. That is why it looks like he fights formal education, but that is not the case. If you cannot attain a reasonable form of financial freedom with the education you are receiving right now or the one you received, then it’s not worth it. The only difference between the wealthy and the poor is knowledge.

 

Culled from http://www.mynairajourney.com/blog/top-personal-finance-books/

8 MONEY TIPS THAT WILL CHANGE YOUR LIFE FOREVER

That is the goal, right? To finally have enough money to live your life the way you want.

A life where you don’t have to worry about deadlines, or your bossy boss or an annoying colleague.

A life of where you have the time to travel, make new friends, dine in the best restaurants. In fact a life of adventure.

These 8 tips will help you get there as soon as possible

  1. Set financial goals

Goals motivate. Goals make things happen.

The essence of setting a goal is to have something to look forward to; something that pushes you.

How much do you want to worth in the next one year, five years and even ten years. Write it down and check your progress from time to time.

Be ambitious about it. A small goal doesn’t push anybody and when it doesn’t push you, there is no point in setting the goal in the first place.

Successful people know what they want in life. They set goals and push for their dreams to come through.

To learn how to set your goals, check out this article – 6 Proven Ways to Set Your Goals and Achieve Them 

  1. Create a budget

A budget is just an estimation of what you will earn and what you will spend.

If you are able to know how much you earn and how much you spend, you can plan your future.

Knowing how much you spend will help you know how much you can afford to save and invest.

Budgeting is a very important financial tool that you should learn and put to use.

 

  1. Save

How many percents of your salary or all your earnings do you save? Or are you one of those that says: I can’t save, my salary won’t just let me! Or I can’t save, I have too many obligations!

The only way you can lift yourself out of your current financial level is when you begin to save.

That is if you don’t wake up one morning to find that a huge amount of money has “missed road” into your bank account. Apart from that, you need to build a significant saving.

Savings will make it possible for you to invest.

Savings will make it possible for you to have new income streams.

When you invest and create new income streams, your bank account gets fatter and you are on your way to financial freedom.

When you save, see it as buying your freedom in the future because that is what it is.

See [How to Save When You Earn So Little]

[7 Simple Ways to Save Your Money]

  1. Invest

Investment means different things to different people. Whatever you believe to be investment if it doesn’t guarantee your principal, it’s not an investment; it’s speculation.

Remember that the money you are investing is one that has taken you a lot of sacrifices to save.

That is why you have to be careful where you put it.

Investing money is the act that bring you wealth because it is what multiplies your earnings and savings into multiple folds.

You have to do it right for it to happen.

  1. Diversify your Income Stream

Relying on one source of income is not good for your finances and even for your health.

Because if anything happens to that source of income, you will have to go for some time without earning.

That sought of situation makes you worry which is bad for your health.

The road to adding more sources of income to your current income is simple: earn, save and invest.

It could be on the stock market, that is if you understand the market very well, or it could be on a side business that you love.

 

Read More http://www.mynairajourney.com/blog/money-tips/

Taming the Mammoth: Why You Should Stop Caring What Other People Think

This post is bookmarked on my laptop and I read it every January. The new year offers us a fresh start, and we need a kind reminder that everyone isn’t always compulsively thinking about us. So, Get it, Get it.  Happy new year!!

Part 1: Meet Your Mammoth

The first day I was in second grade, I came to school and noticed that there was a new, very pretty girl in the class—someone who hadn’t been there the previous two years. Her name was Alana and within an hour, she was everything to me.

When you’re seven, there aren’t really any actionable steps you can take when you’re in love with someone. You’re not even sure what you want from the situation. There’s just this amorphous yearning that’s a part of your life, and that’s that.

But for me, it became suddenly relevant a few months later, when during recess one day, one of the girls in the class started asking each of the boys, “Who do youuu want to marry?” When she asked me, it was a no-brainer. “Alana.”

Disaster.

I was still new to being a human and didn’t realize that the only socially acceptable answer was, “No one.”

The second I answered, the heinous girl ran toward other students, telling each one, “Tim said he wants to marry Alana!” Each person she told covered their mouth with uncontrollable laughter. I was finished. Life was over.

The news quickly got back to Alana herself, who stayed as far away from me as possible for days after. If she knew what a restraining order was, she’d have taken one out.

This horrifying experience taught me a critical life lesson—it can be mortally dangerous to be yourself, and you should exercise extreme social caution at all times.

Now this sounds like something only a traumatized second grader would think, but the weird thing, and the topic of this post, is that this lesson isn’t just limited to me and my debacle of a childhood—it’s a defining paranoia of the human species. We share a collective insanity that pervades human cultures throughout the world:

An irrational and unproductive obsession with what other people think of us.

Evolution does everything for a reason, and to understand the origin of this particular insanity, let’s back up for a minute to 50,000BC in Ethiopia, where your Great2,000 Grandfather lived as part of a small tribe.

Back then, being part of a tribe was critical to survival. A tribe meant food and protection in a time when neither was easy to come by. So for your Great2,000 Grandfather, almost nothing in the world was more important than being accepted by his fellow tribe members, especially those in positions of authority. Fitting in with those around him and pleasing those above him meant he could stay in the tribe, and about the worst nightmare he could imagine would be people in the tribe starting to whisper about how annoying or unproductive or weird he was—because if enough people disapproved of him, his ranking within the tribe would drop, and if it got really bad, he’d be kicked out altogether and left for dead. He also knew that if he ever embarrassed himself by pursuing a girl in the tribe and being rejected, she’d tell the other girls about it—not only would he have blown his chance with that girl, but he might never have a mate at all now because every girl that would ever be in his life knew about his lame, failed attempt. Being socially accepted was everything.

Because of this, humans evolved an over-the-top obsession with what others thought of them—a craving for social approval and admiration, and a paralyzing fear of being disliked. Let’s call that obsession a human’s Social Survival Mammoth. It looks something like this:

Read More https://waitbutwhy.com/2014/06/taming-mammoth-let-peoples-opinions-run-life.html

In 2018, I will be financially responsible

I remember reading Arese’s book on finances, and at some point she wrote about financial honesty- write a list of all your assets and liabilities. Pull out your bank statements for the past few months to study what exactly you have been using money for.

I struggled to do this, partly because i knew i will be exposing myself to my own financial carelessness.  I have friends that keep ALL their receipts, including the ones from the toll gates- and have a day set aside every week to ‘balance’ their personal accounts. I know  i don’t have that sort of discipline or grit, and was thankful when i found the reach app. REΛCH – Track your expenses and save money

I recently found another app, powered by First bank . It’s called piggy bank- and according to reviews, has lived up to its promises to help you save.  With “penalties” put in place for unscheduled withdrawals and the flexibility of choosing to how often to save, Piggybank.ng “forces” you to keep your savings commitment.

With piggybanks like this within your Reach (No pun intended), whats your excuse not to be financially responsible in 2018?