tag:blogger.com,1999:blog-463884469098897742024-02-21T15:17:46.719+01:00David Apaflo's BlogCareer, Money, Business, Motivation, InsightUnknownnoreply@blogger.comBlogger69125tag:blogger.com,1999:blog-46388446909889774.post-43131710593794105442020-05-05T12:05:00.000+01:002020-05-05T12:05:01.246+01:00Mentor Monday - Episode 4 : Nwayo Nwayo<div dir="ltr" style="text-align: left;" trbidi="on">
Nwayo Nwayo is a popular phrase used by the Ibo people from Nigeria in West Africa which means<br />
"Gently" or "<i>Sofree Sofree</i>" for those who understand the slang.<br />
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The spirit behind this is to take like gently so as to ensure we do not rob ourselves of happiness in a bid to chasing achievements.<br />
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One quote which has stood out for me over the years was from my Dad's repertoire of thought provoking wisdom.<br />
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<img alt="Take It Easy - Brainless Tales" 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" /></div>
<br />
As I begin to fuss over certain things which I cannot achieve at the moment and start getting worked up, he would say:<br />
<br />
<blockquote class="tr_bq">
<blockquote class="tr_bq">
<b>There are some things we cannot afford when they are cheap. However, when they become very expensive, that is the time we would now be able to afford them and in multiples.</b></blockquote>
</blockquote>
</div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-46388446909889774.post-23594661481353256842020-05-05T12:02:00.000+01:002020-05-05T12:09:19.203+01:00AYTP 2014 Test<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="text-align: center;">
<span style="background-color: white; color: #222222; font-family: "arial" , sans-serif; font-size: 12.8px;"><img alt="Retiree lauds ARM over pension services – Daily Trust" src="data:image/jpeg;base64,/9j/4AAQSkZJRgABAQAAAQABAAD/2wCEAAkGBxANEA8QDg4PEBANDxIOFREVGBUQEBYQFREYGBURGBMbHCggGBsxGxMTIz0hJSkrLi46GCAzOTQsNygtMC0BCgoKDg0OFxAQFysdHR8tLSsrLSsrLS0rLSstKystLSstLSstLSsrKy03LS0rKzcrKysrLSsrKysrKysrKysrK//AABEIALcBEwMBIgACEQEDEQH/xAAcAAEAAgMBAQEAAAAAAAAAAAAABQYDBAcIAQL/xABHEAABAwIBBgoGBgkDBQAAAAAAAQIDBBEFBgcSITGBEzIzQVFxcpGhsRQVImHR4SNCUmOCsiQ1Q2Jzg5KzwWWj4wgXJaLC/8QAFwEBAQEBAAAAAAAAAAAAAAAAAAECA//EAB0RAQEBAAMAAwEAAAAAAAAAAAABEQIhMTJBURL/2gAMAwEAAhEDEQA/AOtAAy0AAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAGrX1CxtRWoi3dbX1L8CK2gQ/rR/Q3x+JzvLbOpU0NWtPSxUz0iY3Tc9HqvCO16KWcn1Vb3iXS9OuAomQmXEmKUyySMibNFIscjWo5G9LXIiuVbKi+Clj9aP+yzx+I0TAIf1o/ob4/E++tH9DfH4k2GJcEP60f0N8fiZafEHve1qo2zltz/EaYkwCJfiT0VUs3Uqpz9PWW0SwIWTE5VRdHQReZVRXJ3XS5Q8rstsZwuz3Q0EsDl0UlayVLLzNe3hPZXwUS6V1YHHsm88jpHpHXwxRI9bJNHpcGl9mm1VVUT3oq9R0lMVeqIqIxUXWi61S3TtFuJO0wCI9aP6G+PxHrR/Qzx+JNi4lwQ/rR/2W+PxJGjmWRiOW11vs6y6YzghsbxtKSekhVG/pnDNaq348bWuRu9Fd3IffWj+hvj8RomAQ/rR/2WePxPvrR/Qzx+JNhiXBD+tH9DfH4hcVemtUYiJz6/iNhiYBwzEM89aksqQQUiwo9yRq5sivViLZHLZ6Jr27yXyLziYpitQsfBUUcUbdOR6MlVUbeyNROE4yrfuVTSa64CNpK9z3o1UbZb7L9HWSRFAAVAAAAAANDGOI3tf4U3zQxjiN7f8AhSXxYruL4gyjgmqJOLBG59ulUTU1Peq2TeeesQineiVcyLatllcj+Zz2uTT3Xd4L0HTM7GIPlWlw2DXJUyNe5PdpaMTV9yuuv4CWyqyWa/CUpYUu6ijbJH0q9iLp73Ir96jj0l7c+zYYz6JXNY5bR1iJA7oR97xu77p+I7geYmuVLK1VRUsqKmpUVNinofJTF0r6OCo+s9ui9OiVup6d6X3oOc+zilgAYbDPRcoztGAz0XKM7QE8V2XjO7S+ZYiuy8Z3aXzNckj8GtiVCyqhkglS7JmKxU6029fObJ9QyrzLVU6wySRO40T3xr1tcqL5HYc0uLOqKN0L1u6jekbV5+Ccl2Jus5NyHKMoJEfV1bk2Oqp1Tq4V1lOh5ladyNrZfqudFEnaajnL+dDpy8c+PrpgAOboE1hnJN6181IUmsM5JvWvmpYlc0z8VL4EwuWNbPiqJZGr+81rFTyLLg+IMrIIaiPizMR9uhVTW3rRbpuKr/1B8lh/8Wf8jCJzOYzds1E9eJ+kR9lVtI1N9l/EprlOmZe3TAAYbCpZzcZ9DoHtatpKv6BvSjVT6R39N0/EhbTl+J/+axyOBPapsO43Oi6Cosne/RZ1NLxSueYpQOpZOCk1PSOJ7k+yskbX6O7SsdFzKJqr157wJutJ8SrZy/1pV/yv7DC05k9lf2oPKQ3fGJ66vhvKt3/lUnCDw3lW7/yqThnj41QAGkAAAAAAjscejY0c5URrVVyquxERqqqkiUDPZibqbDNFm2qmbTqvQxWOc/vRqp+IgpWQsbsVxSqxKRF4OFVbEi8yuTRYm6NO91zp5BZE4N6BRQxKlpHJwsnTwr9apuSzfwk6ZvrUcAy5wb0Cumjalo5F4ePo4N6quinU7STcWbM9jPBzS0b19mdOGj/iNT203tsv4Cezt4Nw9K2pYl30brr0rC9UR3cuiveclw2ufSzRTx8eCRsie+y629SpdN5udxi9V6VBr0FWyoijmjW7JmNkb1OS5sHN0DPRcoztGAz0XKM7QRPFcl4zu0vmWNDlOItygSSVYnUDmcI/Qbr09HSXRRbpa9rc5qxIuJXctspo8Np3LpItRK1WxR7V0lTjqnM1Nt9xzXGMuMXje+GaRKeRi2c1sbWuTet+9DfyOwHD8Wer6isqpqm2k+GRUY5U51R2tXt6lS3Qg/nPTd8U3BcInr5Uhp2K96rdzl4rUVdb3u5k8zvmTmCx4fTR08evQS7nc7pF1uf3/wCDZw3DYKRiR08TImJzNS116VXaq+9TaJeWkmAAI0E1hnJN6181IUmsM5JvWvmpeKVznP5QvkpKWZuttNM7T9zZGoiO70RN5x7J7FHUNVBUN/ZPRXJ0xrqe3+lV8D0vlZQsqoHQSJ7EzHxrvTb18+48vV9I+nlkhkSz4Xujd1tW1+rnNxi/r0rFK17WvYt2vajkXmVqpdFP0UnNRjPpNHwD1vJRO4P3rC7XGu72m/hLsc63ERlZi6YfRzz/AFmt0WJ0yu1M8VvuUrmabB1hpXVMl1lrXaV128E1V0V3qrnb0IzONO7Ea+jwuJdSPR8ipzOcl7/hj0l/EdJp4GxMZHGiNZG1rGtTYjWpZE7kNeRPa4ZnL/WlV/J/sMLTmT2V/ag8pCrZy/1rVfyf7DC05k9lf2oPKQ1fik9dXw3lW7/yqThB4byrd/5VJwzx8WgANIAAAAABV8ucI9N9ARyIsdPWpUPT3Mhk0U9/tqzV0XLQaGMcRvb/AMKSqiQAYaY6mnbMx8ciI5kjXMci7Fa5LKncp5yxrDnUdRNTv2wSKy/S3a129qou89Iqcuzx4NZYK1ibf0eTr1rG5f8A2S/Ua41nlG9mfxnhIJaN6+1TO4Rn8J6603Ov/Uh0M885I4x6BWQTqvsI7Qk98T9Tu7Uu49CtW+tFui67+4cp2cb0+mei5RnaMBnouUZ2jLSeK5LxndpfMsZXJeM7tL5muSRSs4+Snp8PDwNT0qnbqttkjTWsfXtVO7nOM0tQ+F7ZInuZJG7Sa5NTkch6ZORZ0slfR5FrYG2hmd9K1NjJVXj9lfPrLxv0zyn2u+QuVTcUh9uzamFESRibF6JGp9lfBdRZjzfgmKy0M8dRCtnRrrT6rmLxmL7l+CnoDAsXir4I6iFfZkTW1eM16cZjveik5TF43UgADLQTWGck3rXzUhSawzkm9a+aliVgxnYzrXyQ4hnfwbgp46tiezUpwb/4rE9ld7fynb8Z2M61/wAFUyuwdMQo54Le2rdONeiVutvjq3l3KmbHHc32M+g10TnLaOf9Hf0WeqaLtzkb4ncsRrGU0Us0i2ZCx0jupqXseaXNXWipZU1KnOi86F+yiysdX4bQ0sa6VTUubHM1NqrG5GtRe07RXcprlO0lTGayjfVTVeKTp7cr3Rsv0uVHSKnuRNBu5UOkEfgGFtoaaGnZshYiKvS9dbnb3KqkgYt2tRwjOX+tKv8Ak/2GFpzJ7K/tQeUhVs5f60qv5P8AYYWnMnsr+1B5SG78WZ66xhvKt3/lUmyDw3lW7/yqThnj4tAAaQAAAAADQxjiN7X/AMqb5r1lPwqIl7WW/TzfMlVBAk/VX3nh8x6q+88PmYyrqMI7KLC211LPTu/axqiL0PTWx25yIWP1V954fM18RwSSSJ7IahIpHtVqSKzhNG/1kbpJdd5ZKbHlZDuObPHUrKJsbnXmo0SFyLtVn7N/clutqmgmY3/VP9j/AJDewTNLNQTNnp8W0Xt1KiwXa5q7WuThNaG72xOlvM9DyjO0bTcKWyXkS9tdm2S/Vcyw4doOa7Tvore1vmYxvW+V2XjO7S+ZYiOdhd1VdPaqrs+ZbEiLMVVTsmY+ORqPZI1WOauxWqmtCXTCvvPD5n31V954fMmVdebcssm34XUKxbuhku6KTpb9lf3k+C85kyJypfhc11u6nlsksflI395PHuO95Q5Hw4jA6CZ2pfaa5E9pj02Pbr2+etCg/wDY3/VP9j/kNy7O2M/F3oquOeNksL0fHImk1ya0VDOV/JjNxU4Y5eBxVHROW7oXwXYvvT6X2V96eJckwr7zw+ZixvUaTWGck3rXzU1/VX3nh8zdpYeDajb3tfXs2qWRLWnjOxnWvkhGXJyspeF0fato35r7TW9VfeeHzJYuvPec3BvQ65z2paKsRZ29CPv9I3v1/iNvNPg3pFYtQ5Lx0bdJOhZnXRvcmkvcdayxyEZisLYln4J8ciSNk0NNU1Wc22kmpU8kMuSeRTMMpkgbNwjle6R8mhoq5y89rrbUjU3Gt6ZztnBJeqvvPD5mOqwh6sckUzWPVPZc5ivai9OjpJfvM5WteeM5D0dilXbmWJu9IWXLVmUcn6e3nvA63u+kQlqjMq+V75JMVVz5HK9zlgS6uVbqvKEjk1msmwydJ4cTRbpoPY6D2XsVdbV+k1bEVF5jd8xierjhvKt3/lUnDRpsP4NyO072vqtbmt0m8SNUABUAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAAB//2Q==" /></span></div>
<span style="background-color: white; color: #222222; font-family: "arial" , sans-serif; font-size: 12.8px;"><br /></span>
<span style="background-color: white; color: #222222; font-family: "arial" , sans-serif; font-size: 12.8px;">A company into the production of record type in korea. Their current sales is at about 69% with a poor relation with the community. The company's employees are non-local because of the community lack of skilled workers. This has increased the cost of living in that community because of the high salary being paid to the foreign workers thereby increasing the product's price.</span><br />
<span style="background-color: white; color: #222222; font-family: "arial" , sans-serif; font-size: 12.8px;"><br /></span>
<span style="background-color: white; color: #222222; font-family: "arial" , sans-serif; font-size: 12.8px;">The chairman has been given three schemes which are as follows:</span><br />
<span style="background-color: white; color: #222222; font-family: "arial" , sans-serif; font-size: 12.8px;"><br /></span>
<span style="background-color: white; color: #222222; font-family: "arial" , sans-serif; font-size: 12.8px;">1) the company's plan to build an health centre that will cost £300000 so as to serve the community. </span><br />
<span style="background-color: white;"><span style="color: #222222; font-family: "arial" , sans-serif;"><span style="font-size: 12.8px;">2) the company is to pay for an orchestra who are to do some concert in france that will cost £200000. 3) the company is to pay for an advertisement that will last for 2yrs on a TV where the champion club plays. This will cost £250000. </span></span></span><br />
<span style="background-color: white;"><span style="color: #222222; font-family: "arial" , sans-serif;"><span style="font-size: 12.8px;"><br /></span></span></span>
<span style="background-color: white;"><span style="color: #222222; font-family: "arial" , sans-serif;"><span style="font-size: 12.8px;">The tax implication for the three schemes are:</span></span></span><br />
<span style="background-color: white;"><span style="color: #222222; font-family: "arial" , sans-serif;"><span style="font-size: 12.8px;">1) no tax save; </span></span></span><br />
<span style="background-color: white;"><span style="color: #222222; font-family: "arial" , sans-serif;"><span style="font-size: 12.8px;">2) the tax to pay £50000, </span></span></span><br />
<span style="background-color: white;"><span style="color: #222222; font-family: "arial" , sans-serif;"><span style="font-size: 12.8px;">3) the tax save is £100000. </span></span></span><br />
<span style="background-color: white;"><span style="color: #222222; font-family: "arial" , sans-serif;"><span style="font-size: 12.8px;"><br /></span></span></span>
<span style="background-color: white;"><span style="color: #222222; font-family: "arial" , sans-serif;"><span style="font-size: 12.8px;">Also the three schemes will have the followings effect; </span></span></span><br />
<span style="background-color: white;"><span style="color: #222222; font-family: "arial" , sans-serif;"><span style="font-size: 12.8px;"><br /></span></span></span>
<span style="background-color: white;"><span style="color: #222222; font-family: "arial" , sans-serif;"><span style="font-size: 12.8px;">1) scare effect on sale. </span></span></span><br />
<span style="background-color: white;"><span style="color: #222222; font-family: "arial" , sans-serif;"><span style="font-size: 12.8px;">2) moderate effect on sale. </span></span></span><br />
<span style="background-color: white;"><span style="color: #222222; font-family: "arial" , sans-serif;"><span style="font-size: 12.8px;">3) high effect on sale with much hooligans as a result of the popularity of cricket in that community. </span></span></span><br />
<span style="background-color: white;"><span style="color: #222222; font-family: "arial" , sans-serif;"><span style="font-size: 12.8px;"><br /></span></span></span>
<span style="background-color: white;"><span style="color: #222222; font-family: "arial" , sans-serif;"><span style="font-size: 12.8px;">Question: the company's chairman has called you to advise him in order to know what to say when the board of directors meet. What scheme will you select and give reasons for selecting such scheme.</span></span></span></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-46388446909889774.post-43828650839660300752020-05-05T12:00:00.001+01:002022-06-29T10:52:58.615+01:00Asset Replacement<div dir="ltr" style="text-align: left;" trbidi="on">
After my university hustle days which I have attempted to chronicle <a href="http://www.davidapaflo.com/2013/10/my-first-business-venture-part-1.html" target="_blank">here</a>, I started an <a href="http://www.shelze.com.ng/" target="_blank">accounting practice</a> in 2013 and needless to say, very few of the computers, furniture etc I acquired at the start are still in good working condition.<br />
<br />
<div style="text-align: center;">
<img alt="Wear - What is the definition of wear and tear ..." src="https://encrypted-tbn0.gstatic.com/images?q=tbn%3AANd9GcThsYKHEhfkC40aJQBhhFXDyoaO_msx9F7YBNxCVTGQF5FCfKuM&usqp=CAU" /></div>
<br />
<blockquote class="tr_bq">
<b>The harsh reality is that nothing lasts forever. Not even your favorite macbook pro which you used to launch your digital marketing agency. 😃</b></blockquote>
<br />
The challenge with most business assets is that they lose value (depreciate) over time. When this happens, they eventually get to a state where they are no longer in usable state. Thus, there is a need to repair, overhaul or replace.<br />
<br />
If one does not manage this very well, the capital outlay required to replace this assets might be as significant as what was required at startup if not more.<br />
<br />
I have seen many businesses who have made good returns only to die or start operating poorly because their assets stopped functioning optimally and they couldn't replace them.<br />
<br />
A couple of ideas:<br />
<br />
1. Have a list of assets and regularly track the working state of those assets.<br />
2. Have an estimated useful life for all your assets<br />
3. Maintain your assets properly and adopt a preventive maintenance culture<br />
4. Set aside an amount annually to replace these assets.<br />
5. Plan to raise additional capital if required (Equity or Debt)<br />
6. Plan and schedule asset replacement that matches cashflow position<br />
7. Use replacement theory to craft your asset replacement strategy<br />
<br />
Calculating depreciation and including it in your financial statements is not enough. You need to set aside a corresponding amount in cash if not more (to accommodate growth in operations and inflation).</div>
Unknownnoreply@blogger.com4tag:blogger.com,1999:blog-46388446909889774.post-48524755205706164562019-01-04T09:48:00.001+01:002019-01-04T09:48:16.091+01:00Investment Banking Analyst Interview Case Study<div dir="ltr" style="text-align: left;" trbidi="on">
<blockquote class="tr_bq" style="line-height: 200%; text-align: justify;">
<span style="font-family: Verdana, sans-serif;"><span style="font-size: 13.3333px;">A while back, a friend of mine was interviewing with an Investment Bank in Nigeria and the following was given to her as part of the screening exercise.</span></span></blockquote>
<div class="MsoNormal" style="line-height: 115%; text-align: justify;">
<b><span lang="EN-GB" style="font-family: "Verdana",sans-serif; font-size: 10.0pt; line-height: 115%; mso-ansi-language: EN-GB;">Investment
in Africa<o:p></o:p></span></b></div>
<div class="MsoNormal" style="line-height: 115%; text-align: justify;">
<span lang="EN-GB" style="font-family: "Verdana",sans-serif; font-size: 10.0pt; line-height: 115%; mso-ansi-language: EN-GB;">Investment into Africa by global investment vehicles
has been on the rise. Sub-Suharan Africa in particular presents a number of
compelling opportunities, for interested investors. If you were seeking to
invest into one Sub-Saharan African country,<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 115%; text-align: justify;">
<span lang="EN-GB" style="font-family: "Verdana",sans-serif; font-size: 10.0pt; line-height: 115%; mso-ansi-language: EN-GB;"><br /></span></div>
<div class="MsoListParagraphCxSpFirst" style="mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<!--[if !supportLists]--><span lang="EN-GB" style="font-family: "Verdana",sans-serif; font-size: 10.0pt; line-height: 107%; mso-ansi-language: EN-GB; mso-bidi-font-family: Verdana; mso-fareast-font-family: Verdana;">1.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><span lang="EN-GB" style="font-family: "Verdana",sans-serif; font-size: 10.0pt; line-height: 107%; mso-ansi-language: EN-GB;">Which
country would you invest in?<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpMiddle" style="mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<!--[if !supportLists]--><span lang="EN-GB" style="font-family: "Verdana",sans-serif; font-size: 10.0pt; line-height: 107%; mso-ansi-language: EN-GB; mso-bidi-font-family: Verdana; mso-fareast-font-family: Verdana;">2.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><span lang="EN-GB" style="font-family: "Verdana",sans-serif; font-size: 10.0pt; line-height: 107%; mso-ansi-language: EN-GB;">Within
the selected country, which industry/sector would you focus on?<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 115%; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<!--[if !supportLists]--><span lang="EN-GB" style="font-family: "Verdana",sans-serif; font-size: 10.0pt; line-height: 115%; mso-ansi-language: EN-GB; mso-bidi-font-family: Verdana; mso-fareast-font-family: Verdana;">3.<span style="font-family: "Times New Roman"; font-size: 7pt; font-stretch: normal; font-variant-east-asian: normal; font-variant-numeric: normal; line-height: normal;">
</span></span><!--[endif]--><span lang="EN-GB" style="font-family: "Verdana",sans-serif; font-size: 10.0pt; line-height: 115%; mso-ansi-language: EN-GB;">Provide
a brief profile of one company operating within the selected country and sector
that you would target.<o:p></o:p></span></div>
<div class="MsoListParagraphCxSpLast" style="line-height: 115%; mso-list: l0 level1 lfo1; text-align: justify; text-indent: -.25in;">
<span lang="EN-GB" style="font-family: "Verdana",sans-serif; font-size: 10.0pt; line-height: 115%; mso-ansi-language: EN-GB;"><br /></span></div>
<div class="MsoNormal" style="line-height: 115%; text-align: justify;">
<b><span lang="EN-GB" style="font-family: "Verdana",sans-serif; font-size: 10.0pt; line-height: 115%; mso-ansi-language: EN-GB;">Instructions<o:p></o:p></span></b></div>
<div class="MsoNormal" style="line-height: 115%; text-align: justify;">
<span lang="EN-GB" style="font-family: "Verdana",sans-serif; font-size: 10.0pt; line-height: 115%; mso-ansi-language: EN-GB;">We suggest that you pick one of the following
countries: Ghana, Nigeria, Kenya, Tanzania, and South Africa. You may however
decide to present on a country outside of these suggestions, if you find
compelling reasons to do so.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 115%; text-align: justify;">
<span lang="EN-GB" style="font-family: "Verdana",sans-serif; font-size: 10.0pt; line-height: 115%; mso-ansi-language: EN-GB;"><br /></span></div>
<div class="MsoNormal" style="line-height: 115%; text-align: justify;">
<span lang="EN-GB" style="font-family: "Verdana",sans-serif; font-size: 10.0pt; line-height: 115%; mso-ansi-language: EN-GB;">We are interested in how you think and in how you form
opinions. While an investment thesis depends heavily on a country’s
macroeconomic conditions, other considerations such as geopolitics may be
factored in as well.<o:p></o:p></span></div>
<div class="MsoNormal" style="line-height: 115%; text-align: justify;">
<b><span lang="EN-GB" style="font-family: "Verdana",sans-serif; font-size: 10.0pt; line-height: 115%; mso-ansi-language: EN-GB;"><br /></span></b></div>
<div class="MsoNormal" style="line-height: 115%; text-align: justify;">
<b><span lang="EN-GB" style="font-family: "Verdana",sans-serif; font-size: 10.0pt; line-height: 115%; mso-ansi-language: EN-GB;">Format<o:p></o:p></span></b></div>
<div class="MsoNormal" style="line-height: 115%; text-align: justify;">
<span lang="EN-GB" style="font-family: "Verdana",sans-serif; font-size: 10.0pt; line-height: 115%; mso-ansi-language: EN-GB;">The presentation should be no more than 10 PowerPoint
pages and utilize charts and graphical representations where appropriate. The
material should be presented in an organized and coherent fashion. Factors that
we will consider are: the reasoning behind your thesis, the organization of
information, the presentation of numerical data, the effectiveness of charts
and graphs, and presentation aesthetics. We will also consider your verbal
presentation style.<o:p></o:p></span></div>
<span lang="EN-GB" style="font-family: "Verdana",sans-serif; font-size: 10.0pt; line-height: 107%; mso-ansi-language: EN-GB; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;"><br /></span>
<span lang="EN-GB" style="font-family: "Verdana",sans-serif; font-size: 10.0pt; line-height: 107%; mso-ansi-language: EN-GB; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;">Your presentation should be
no more than 30 minutes, which will be followed by 30 minutes of Q&A.</span><br />
<span lang="EN-GB" style="font-family: "Verdana",sans-serif; font-size: 10.0pt; line-height: 107%; mso-ansi-language: EN-GB; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;"><br /></span>
<span lang="EN-GB" style="font-family: "Verdana",sans-serif; font-size: 10.0pt; line-height: 107%; mso-ansi-language: EN-GB; mso-bidi-font-family: "Times New Roman"; mso-bidi-language: AR-SA; mso-bidi-theme-font: minor-bidi; mso-fareast-font-family: Calibri; mso-fareast-language: EN-US; mso-fareast-theme-font: minor-latin;"><i>In a subsequent post, I would be giving a guide as to how to approach this.</i></span></div>
Unknownnoreply@blogger.com8tag:blogger.com,1999:blog-46388446909889774.post-81705586270671341872018-07-17T18:52:00.000+01:002018-07-17T18:52:28.282+01:00DA Notes - Happiness<div dir="ltr" style="text-align: left;" trbidi="on">
<br />
Some time in 2014, I had closed work for the day and I was deeply frustrated and unhappy. I'm not sure till this day I know exactly why.<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjmg-1a0gvygfLHc7lsrlgJekZSydEiojcblUTjzcBGx3D2MfY-EPgkqAgDIAg8SOcHJjOA6I_yajbQWprS9fdwqLYnEvl3q8bzw7JXnCSK9TaF0H1Hov6RB0Ph9sTowkq71yvVZtwg7Ck/s1600/Stay+happy.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="438" data-original-width="437" height="200" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjmg-1a0gvygfLHc7lsrlgJekZSydEiojcblUTjzcBGx3D2MfY-EPgkqAgDIAg8SOcHJjOA6I_yajbQWprS9fdwqLYnEvl3q8bzw7JXnCSK9TaF0H1Hov6RB0Ph9sTowkq71yvVZtwg7Ck/s200/Stay+happy.jpg" width="199" /></a></div>
As part of my daily social media routine, I got on Youtube and stumbled on a video of some ghetto kids happily <a href="https://www.youtube.com/watch?reload=9&v=H-mLx5NQ4oU" target="_blank">dancing to Eddy Kenzo's Sitya Loss</a>.<br />
<br />
I did not understand a word of what Eddy Kenzo was saying (<a href="https://tripletsghettokids.com/lyrics/sitya-loss" target="_blank">click to see the meaning of his lyrics</a>) but the beat and great vocals coupled with these kids bubbling with energy and having a great time got me in my feelings.<br />
<br />
I realized that these kids did not have a tenth of what I had but they were happy. Now this story isn't about saying I would have traded all I had to be happy. No that's not the point. I'm trying to explain that somehow I felt I should be happier because I seemed to have more means.<br />
<br />
Within a few minutes of watching, I broke down into tears. I had to find happiness. It was not in the degrees, it wasn't in owning a business or having money. Happiness was within. Till this day, I continue to watch that video and play that song from time to time and it always give me happy thoughts.<br />
<br />
As we strive daily as adults to achieve one goal or the other, let us not forget to be happy. First happiness is within you and in this amazing relationships you share and ofcourse pursuing your religious inclination diligently.<br />
<br />
Cheers.<br />
<br />
<iframe allow="autoplay; encrypted-media" allowfullscreen="" frameborder="0" height="315" src="https://www.youtube.com/embed/H-mLx5NQ4oU" width="560"></iframe></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-46388446909889774.post-65309981055318607902017-10-08T19:24:00.000+01:002017-10-08T19:25:03.750+01:00Your Lifetime Earnings<div dir="ltr" style="text-align: left;" trbidi="on">
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><img border="0" src="http://brisbanemigraine.com.au/wp-content/uploads/lifetime.jpg" style="margin-left: auto; margin-right: auto;" /></span></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: small;"><b>Changing phases of life</b></span></td></tr>
</tbody></table>
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: small;"></span><br /></span>
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: small;">
</span> <a href="http://brisbanemigraine.com.au/wp-content/uploads/lifetime.jpg" imageanchor="1"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: small;"></span></a></span></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: small;"><br />
</span> </span><br />
<div dir="ltr" style="text-align: left;" trbidi="on">
<div dir="ltr" style="text-align: left;" trbidi="on">
<blockquote class="tr_bq">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: xx-small;"><br /></span></span>
<br />
<div style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: xx-small;"><span style="font-size: large;">Have you ever sat and wondered. Maybe on a monday morning feeling lethargic and then proceed to ask yourself why you have to get up and go to work? Asides the therapeutic effects of working (yes there are), it helps to know how much you are really working for.</span></span></span></div>
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: xx-small;">
</span></span></blockquote>
</div>
<div style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;">I have done an analysis of a basic scenario of a <u>moderate career track</u> spanning 35 years as allowed by the Nigerian Labor Laws. All figures are in Nigerian Naira and the tax laws applied are those prevailing at the time of writing this article. </span></div>
<div style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;">I</span><span style="font-family: "arial" , "helvetica" , sans-serif;"> assume a scenario where a graduate finished school at about 23 years after the hurdles of JAMB and University strikes. I have also tried to calculate the present value of future earnings. To all non finance readers, this is simply determining how much N1 in the future is worth today. </span></div>
<div style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;">Please note that this is not an authoritative salary guide. </span><span style="font-family: "arial" , "helvetica" , sans-serif; text-align: left;">Take a look at the table below.</span></div>
<div style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif; text-align: left;"><br /></span></div>
<table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 574px;"><colgroup><col style="width: 53pt;" width="53"></col><col style="mso-width-alt: 4480; mso-width-source: userset; width: 105pt;" width="105"></col><col style="mso-width-alt: 3968; mso-width-source: userset; width: 93pt;" width="93"></col><col span="2" style="mso-width-alt: 2944; mso-width-source: userset; width: 69pt;" width="69"></col><col style="mso-width-alt: 3925; mso-width-source: userset; width: 92pt;" width="92"></col><col style="mso-width-alt: 3968; mso-width-source: userset; width: 93pt;" width="93"></col></colgroup><tbody>
<tr height="28" style="height: 28.0pt;"><td class="xl85" height="28" style="height: 28.0pt; width: 53pt;" width="53"><span style="background-color: #eeeeee;"><b><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">Year</span></b></span></td><td class="xl85" style="width: 105pt;" width="105"><span style="background-color: #eeeeee;"><b><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">Age</span></b></span></td><td align="right" class="xl86" style="width: 93pt;" width="93"><span style="background-color: #eeeeee;"><b><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> Gross Pay </span></b></span></td><td class="xl85" style="width: 69pt;" width="69"><span style="background-color: #eeeeee;"><b><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">Tax</span></b></span></td><td class="xl85" style="width: 69pt;" width="69"><span style="background-color: #eeeeee;"><b><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">Pension</span></b></span></td><td class="xl85" style="width: 92pt;" width="92"><span style="background-color: #eeeeee;"><b><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">Net After Tax</span></b></span></td><td class="xl85" style="width: 93pt;" width="93"><span style="background-color: #eeeeee;"><b><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">Present Value</span></b></span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">1</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">23</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,500,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 97,125 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 120,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,282,875 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,282,875 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">2</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">24</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 2,000,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 157,500 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 160,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,682,500 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,463,043 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">3</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">25</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 2,500,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 226,625 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 200,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 2,073,375 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,567,769 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">4</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">26</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 3,500,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 378,875 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 280,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 2,841,125 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,868,086 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">5</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">27</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 3,500,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 378,875 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 280,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 2,841,125 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,624,422 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">6</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">28</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 3,500,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 378,875 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 280,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 2,841,125 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,412,541 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">7</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">29</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 4,000,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 455,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 320,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 3,225,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,394,256 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">8</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">30</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 4,000,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 455,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 320,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 3,225,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,212,397 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">9</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">31</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 4,000,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 455,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 320,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 3,225,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,054,258 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">10</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">32</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 7,000,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 962,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 560,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 5,478,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,557,189 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl83" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">11</span></td><td class="xl83" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">33</span></td><td class="xl82" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 7,000,000 </span></td><td class="xl82" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 962,000 </span></td><td class="xl82" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 560,000 </span></td><td class="xl82" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 5,478,000 </span></td><td class="xl82" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,354,078 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">12</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">34</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 7,000,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 962,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 560,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 5,478,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,177,459 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">13</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">35</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 10,000,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,484,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 800,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 7,716,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,442,176 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">14</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">36</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 10,000,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,484,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 800,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 7,716,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,254,066 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">15</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">37</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 10,000,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,484,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 800,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 7,716,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,090,492 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">16</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">38</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 10,000,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,484,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 800,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 7,716,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 948,254 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">17</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">39</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 10,000,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,484,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 800,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 7,716,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 824,569 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">18</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">40</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 10,000,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,484,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 800,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 7,716,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 717,016 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">19</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">41</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 13,000,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 2,006,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,040,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 9,954,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 804,334 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">20</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">42</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 13,000,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 2,006,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,040,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 9,954,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 699,421 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl83" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">21</span></td><td class="xl83" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">43</span></td><td class="xl82" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 13,000,000 </span></td><td class="xl82" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 2,006,000 </span></td><td class="xl82" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,040,000 </span></td><td class="xl82" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 9,954,000 </span></td><td class="xl82" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 608,192 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">22</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">44</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 13,000,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 2,006,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,040,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 9,954,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 528,863 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">23</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">45</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 13,000,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 2,006,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,040,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 9,954,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 459,881 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">24</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">46</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 15,000,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 2,354,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,200,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 11,446,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 459,836 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">25</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">47</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 15,000,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 2,354,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,200,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 11,446,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 399,858 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">26</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">48</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 15,000,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 2,354,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,200,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 11,446,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 347,702 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">27</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">49</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 15,000,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 2,354,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,200,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 11,446,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 302,350 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">28</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">50</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 15,000,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 2,354,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,200,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 11,446,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 262,913 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">29</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">51</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 15,000,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 2,354,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,200,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 11,446,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 228,620 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">30</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">52</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 15,000,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 2,354,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,200,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 11,446,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 198,800 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl83" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">31</span></td><td class="xl83" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">53</span></td><td class="xl82" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 15,000,000 </span></td><td class="xl82" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 2,354,000 </span></td><td class="xl82" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,200,000 </span></td><td class="xl82" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 11,446,000 </span></td><td class="xl82" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 172,870 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">32</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">54</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 15,000,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 2,354,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,200,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 11,446,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 150,321 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">33</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">55</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 15,000,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 2,354,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,200,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 11,446,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 130,714 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">34</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">56</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 15,000,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 2,354,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,200,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 11,446,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 113,665 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl79" height="14" style="height: 14pt; text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">35</span></td><td class="xl79" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;">57</span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 15,000,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 2,354,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 1,200,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 11,446,000 </span></td><td class="xl77" style="text-align: right;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 98,839 </span></td></tr>
<tr height="14" style="height: 14.0pt;"><td class="xl81" height="14" style="height: 14pt; text-align: right;"></td><td class="xl81" style="text-align: right;"></td><td class="xl80" style="text-align: right;"><b><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 354,500,000 </span></b></td><td class="xl80" style="text-align: right;"><b><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 53,050,875 </span></b></td><td class="xl80" style="text-align: right;"><b><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 28,360,000 </span></b></td><td class="xl80" style="text-align: right;"><b><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: x-small;"> 273,089,125 </span></b></td><td class="xl80" style="text-align: right;"><b><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><span style="font-size: x-small;"> 29,212,126</span> </span></b></td></tr>
</tbody></table>
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><br /></span></span>
<br />
<div style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;">The analysis shows that a total of N354million is to be earned over a 35 year career. With about N50m saved up as pension and about N53million contributed to the development of society through taxes. </span></span></span></span></div>
<div style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><br /></span></span></span></span></div>
<div style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;">From this analysis, it is clear that certain things are possible in your lifetime. </span></span>High flyers are also likely to earn way more than this. </span></span></div>
<div style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><br /></span></span></div>
<div style="text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;">There are many other inferences I can draw from this data but I'd leave you to analyze and draw your own conclusions.</span></span></div>
<br />
<span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;"><u><b><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: large;">Assumptions</span></b></u></span><br />
<span style="font-family: "arial" , "helvetica" , sans-serif;">
</span>
<br />
<ul style="text-align: left;">
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;">Retirement Age of 60 or 35 years of work</span></li>
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;">Current Tax Laws (PITAM 2011)</span></li>
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;">Pension Reform Act 2014</span></li>
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;">Gross Pay doesn’t include non-cash allowances</span></li>
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;">Compound Interest</span></li>
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;">Yields would not drop below 15%</span></li>
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;">Every little chunk can be invested</span></li>
<li><span style="font-family: "arial" , "helvetica" , sans-serif; font-size: medium;">15% After tax return</span></li>
</ul>
<span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span>
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<table border="0" cellpadding="0" cellspacing="0" style="border-collapse: collapse; width: 105px;"><colgroup><col style="mso-width-alt: 4480; mso-width-source: userset; width: 105pt;" width="105"></col></colgroup><tbody></tbody></table>
</div>
</div>
Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-46388446909889774.post-81922688687828401202017-10-08T19:11:00.000+01:002017-10-08T19:31:09.893+01:00What entrepreneurs don't like to talk about but should - Oba Ilobaa<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://image.slidesharecdn.com/sethgodin-140107054212-phpapp02/95/what-if-i-fail-1-638.jpg?cb=1389096900" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="479" data-original-width="638" height="240" src="https://image.slidesharecdn.com/sethgodin-140107054212-phpapp02/95/what-if-i-fail-1-638.jpg?cb=1389096900" width="320" /></a></div>
<div dir="ltr" style="line-height: 1.295; margin-bottom: 8pt; margin-top: 0pt; text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></div>
<div dir="ltr" style="line-height: 1.295; margin-bottom: 8pt; margin-top: 0pt; text-align: justify;">
<span style="background-color: transparent; color: black; font-size: 11pt; font-style: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "arial" , "helvetica" , sans-serif;">I honestly think there should be many books dedicated to it, with the big names used in illustrations. It is only fair that a truer picture is painted and for every colourful business success story there should be a balancing black and white version for the failures.</span></span></div>
<div dir="ltr" style="line-height: 1.295; margin-bottom: 8pt; margin-top: 0pt; text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="background-color: transparent; color: black; font-size: 11pt; font-style: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">It serves no one any good purpose to tell only the Forbes-worthy start-up stories and merely glance over its more than likely counterpart; </span><span style="background-color: transparent; color: black; font-size: 11pt; font-style: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">“ F A I L U R E ”</span></span></div>
<div dir="ltr" style="line-height: 1.295; margin-bottom: 8pt; margin-top: 0pt; text-align: justify;">
<span style="background-color: transparent; color: black; font-size: 11pt; font-style: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Failure can be painful, lonely, depressing and sometimes downright shameful –depending on the size of your ego.</span></span></div>
<div dir="ltr" style="line-height: 1.295; margin-bottom: 8pt; margin-top: 0pt; text-align: justify;">
<span style="background-color: transparent; color: black; font-size: 11pt; font-style: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Riddle me this?</span></span></div>
<div dir="ltr" style="line-height: 1.2; margin-bottom: 8pt; margin-top: 0pt; text-align: justify;">
<span style="background-color: transparent; color: black; font-size: 11pt; font-style: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "arial" , "helvetica" , sans-serif;">How many books have you read that is dedicated to business failures and the lessons behind the failures? I’m an avid reader of HBR materials and I can tell you for free nobody really wants to talk about personal failures but, we all fail at something at some point and that’s a fact! </span></span></div>
<div dir="ltr" style="line-height: 1.295; margin-bottom: 8pt; margin-top: 0pt; text-align: justify;">
<span style="background-color: transparent; color: black; font-size: 11pt; font-style: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "arial" , "helvetica" , sans-serif;">I failed last year and, failed so bigly that I almost lost sight of all the beautiful wins I have in my pouch, I lost cool cash, closed one business, doubted myself but, I have also done way better with my life since that time and here are 5 key lessons I picked up as I picked myself up.</span></span></div>
<ol style="margin-bottom: 0pt; margin-top: 0pt;">
<li dir="ltr" style="background-color: transparent; color: black; font-size: 11pt; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 400; list-style-type: decimal; text-decoration: none; vertical-align: baseline;"><div dir="ltr" style="line-height: 1.295; margin-bottom: 0pt; margin-top: 0pt; text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="background-color: transparent; color: black; font-size: 11pt; font-style: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"> </span><span style="background-color: transparent; color: black; font-size: 11pt; font-style: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">It’s okay if you fail</span></span></div>
</li>
</ol>
<div dir="ltr" style="line-height: 1.295; margin-bottom: 0pt; margin-left: 36pt; margin-top: 0pt; text-align: justify;">
<span style="background-color: transparent; color: black; font-size: 11pt; font-style: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Just don’t remain on the ground whining or jump right up and into yet another venture to prove yourself. For every single Mark Zuckerberg or Elon Musk you see there are thousands and I mean literal thousands who didn’t and WILL NEVER make it to a brighter day. </span></span></div>
<div dir="ltr" style="line-height: 1.295; margin-bottom: 0pt; margin-left: 36pt; margin-top: 0pt; text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="background-color: transparent; color: black; font-size: 11pt; font-style: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">Look here; </span><a href="http://www.businessinsider.com/biggest-product-flops-in-history-2016-12?IR=T/#1957-ford-edsel-1" style="text-decoration: none;"><span style="background-color: transparent; color: #0563c1; font-size: 11pt; font-style: normal; font-weight: 400; text-decoration: underline; vertical-align: baseline; white-space: pre-wrap;">http://www.businessinsider.com/biggest-product-flops-in-history-2016-12?IR=T/#1957-ford-edsel-1</span></a></span></div>
<div style="text-align: justify;">
<b style="font-weight: normal;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></b></div>
<ol start="2" style="margin-bottom: 0pt; margin-top: 0pt;">
<li dir="ltr" style="background-color: transparent; color: black; font-size: 11pt; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 700; list-style-type: decimal; text-decoration: none; vertical-align: baseline;"><div dir="ltr" style="line-height: 1.295; margin-bottom: 0pt; margin-top: 0pt; text-align: justify;">
<span style="background-color: transparent; color: black; font-size: 11pt; font-style: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Keep your dreams close and, your current reality closer</span></span></div>
</li>
</ol>
<div dir="ltr" style="line-height: 1.295; margin-bottom: 0pt; margin-left: 36pt; margin-top: 0pt; text-align: justify;">
<span style="background-color: transparent; color: black; font-size: 11pt; font-style: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "arial" , "helvetica" , sans-serif;">I’ll let Henry Ford explain “You can’t build a reputation on what you plan to do”. Its Human nature to over-estimate our own capabilities, be real to yourself and while dreaming of buying that really nice pent-house on St. George’s Wharf Tower in London, be realistic enough to figure payment for your current house rent. Be brutally honest to yourself and if truly the failure has convinced you that indeed business is not for you? Don’t be dismayed for GTBank is hiring. </span></span></div>
<div dir="ltr" style="line-height: 1.295; margin-bottom: 0pt; margin-left: 36pt; margin-top: 0pt; text-align: justify;">
<span style="font-family: "arial" , "helvetica" , sans-serif;"><span style="background-color: transparent; color: black; font-size: 11pt; font-style: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;">It’s For real; </span><a href="http://jobsinnigeria.careers/job-category/banking-jobs-in-nigeria/" style="text-decoration: none;"><span style="background-color: transparent; color: #0563c1; font-size: 11pt; font-style: normal; font-weight: 400; text-decoration: underline; vertical-align: baseline; white-space: pre-wrap;">http://jobsinnigeria.careers/job-category/banking-jobs-in-nigeria/</span></a></span></div>
<div dir="ltr" style="line-height: 1.295; margin-bottom: 0pt; margin-left: 36pt; margin-top: 0pt; text-align: justify;">
<span style="background-color: transparent; color: black; font-size: 11pt; font-style: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "arial" , "helvetica" , sans-serif;"> </span></span></div>
<ol start="3" style="margin-bottom: 0pt; margin-top: 0pt;">
<li dir="ltr" style="background-color: transparent; color: black; font-size: 11pt; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 700; list-style-type: decimal; text-decoration: none; vertical-align: baseline;"><div dir="ltr" style="line-height: 1.295; margin-bottom: 0pt; margin-top: 0pt; text-align: justify;">
<span style="background-color: transparent; color: black; font-size: 11pt; font-style: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Know when to cut your losses </span></span></div>
</li>
</ol>
<div dir="ltr" style="line-height: 1.295; margin-bottom: 0pt; margin-left: 36pt; margin-top: 0pt; text-align: justify;">
<span style="background-color: transparent; color: black; font-size: 11pt; font-style: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "arial" , "helvetica" , sans-serif;">This is the Silver medal of entrepreneurship, no point flogging a dead horse. Once a business is going moribund pull the plugs and don’t throw more money in. Sell off anything from the failing enterprise that can put some money back in your pockets. Speak with your landlord and quickly sub-lease your remaining rental period, sell off expensive equipment while they are still functional.</span></span></div>
<br />
<div style="text-align: justify;">
<br /></div>
<br />
<ol start="4" style="margin-bottom: 0pt; margin-top: 0pt;">
<li dir="ltr" style="background-color: transparent; color: black; font-size: 11pt; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 700; list-style-type: decimal; text-decoration: none; vertical-align: baseline;"><div dir="ltr" style="line-height: 1.295; margin-bottom: 0pt; margin-top: 0pt; text-align: justify;">
<span style="background-color: transparent; color: black; font-size: 11pt; font-style: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Take a break </span></span></div>
</li>
</ol>
<div dir="ltr" style="line-height: 1.295; margin-bottom: 0pt; margin-left: 36pt; margin-top: 0pt; text-align: justify;">
<span style="background-color: transparent; color: black; font-size: 11pt; font-style: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Take stock of your losses then, take a break to enable you refresh your mind and self-confidence. Take a walk along the beach, watch the birds fly across the ocean in search of food or shelter and take time to ponder on the overall insignificance of human activities and our time here on earth. The Earth is about 4.5billion years old, how old are you?</span></span></div>
<div style="text-align: justify;">
<b style="font-weight: normal;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></b></div>
<div dir="ltr" style="line-height: 1.295; margin-bottom: 0pt; margin-left: 36pt; margin-top: 0pt; text-align: justify;">
<span style="background-color: transparent; color: black; font-size: 11pt; font-style: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "arial" , "helvetica" , sans-serif;">PS: Write a great deal during this break, maybe write some poems about life and your reflections.</span></span></div>
<div style="text-align: justify;">
<b style="font-weight: normal;"><span style="font-family: "arial" , "helvetica" , sans-serif;"><br /></span></b></div>
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<li dir="ltr" style="background-color: transparent; color: black; font-size: 11pt; font-style: normal; font-variant-caps: normal; font-variant-ligatures: normal; font-weight: 700; list-style-type: decimal; text-decoration: none; vertical-align: baseline;"><div dir="ltr" style="line-height: 1.295; margin-bottom: 8pt; margin-top: 0pt; text-align: justify;">
<span style="background-color: transparent; color: black; font-size: 11pt; font-style: normal; font-weight: 700; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Start again, this time more intelligently</span></span></div>
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</ol>
<div dir="ltr" style="line-height: 1.295; margin-bottom: 8pt; margin-left: 36pt; margin-top: 0pt; text-align: justify;">
<span style="background-color: transparent; color: black; font-size: 11pt; font-style: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "arial" , "helvetica" , sans-serif;">Bid your time and make that failure count, I mean you have learnt lessons haven’t you? This is not the time to drop out, you have paid tuition and attended classes –you might as well make it to graduation. </span></span></div>
<div dir="ltr" style="line-height: 1.295; margin-bottom: 8pt; margin-top: 0pt; text-align: justify;">
<span style="background-color: transparent; color: black; font-size: 11pt; font-style: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "arial" , "helvetica" , sans-serif;">See you at work!</span></span></div>
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<div dir="ltr" style="line-height: 1.295; margin-bottom: 8pt; margin-top: 0pt; text-align: justify;">
<span style="background-color: transparent; color: black; font-size: 11pt; font-style: normal; font-weight: 400; text-decoration: none; vertical-align: baseline; white-space: pre-wrap;"><span style="font-family: "arial" , "helvetica" , sans-serif;">-OBA .C.I. </span></span></div>
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Unknownnoreply@blogger.com5tag:blogger.com,1999:blog-46388446909889774.post-28976906622170151512017-03-28T07:05:00.000+01:002017-03-28T07:05:07.991+01:00Plenary Session with George Bush - Access Conference 2013<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://www.proshareng.com/userfiles/Acessconf2013ICON.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="192" src="https://www.proshareng.com/userfiles/Acessconf2013ICON.jpg" width="320" /></a></div>
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Dear Readers,<br />
<br />
A while back, Access Bank Plc put together a stellar conference where 4 ex presidents were in attendance.<br />
<br />
One of the standout sessions was with George Bush. Going through my notes this morning, I found some priceless gems I thought to share. I hope you find these nuggets useful in your daily life.<br />
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<br />
<ol style="text-align: left;">
<li style="text-align: justify;">We need to create an environment where entrepreneurship flourishes, develop young entrepreneurs and improve the ease of setting up a business.</li>
<li style="text-align: justify;">Remove trade barriers among African countries</li>
<li style="text-align: justify;">It is important to set goals and have tactics in place to make them come to pass.</li>
<li style="text-align: justify;">Toughest decision - committing troops to war</li>
<li style="text-align: justify;">Protect the homeland, security of the people.</li>
<li style="text-align: justify;">Focus on educating children</li>
<li style="text-align: justify;">Project calm in time of crisis. If you panic, the people who follow your leadership will panic</li>
<li style="text-align: justify;">Say something when in crisis. Do not keep quiet</li>
<li style="text-align: justify;">It is important to gain the trust of the people around you. </li>
<li style="text-align: justify;">Gain the confidence of the people by busting corruption</li>
<li style="text-align: justify;">The greatest gift a father can give his child is unconditional love</li>
<li style="text-align: justify;">People willing to risk capital must know that the rules won't change.</li>
<li style="text-align: justify;">Admit there are certain things you don't know and listen to the experts carefully.</li>
<li style="text-align: justify;">Democracy takes time to evolve.</li>
<li style="text-align: justify;">Fitness is important in life.</li>
<li style="text-align: justify;">As President, my faith became stronger. Prayer works, I can't prove it to you but I know.</li>
</ol>
</div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-46388446909889774.post-8092730707604468892016-11-23T07:58:00.000+01:002016-11-23T07:58:16.219+01:00Apaflo Profits Multiplication Table<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://www.thefranchiseking.com/wp-content/uploads/your-profits.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="182" src="https://www.thefranchiseking.com/wp-content/uploads/your-profits.png" width="200" /></a></div>
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Almost every week, i'm inundated with people calling me to say David what can I do to make money? Especially with Nigeria going through a recession/depression.<br />
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I always start by asking the following questions:<br />
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<b>What are you currently doing? </b><br />
I'd like to know what you have started doing or what you plan to do. Action action action. Preferably I like people who have started doing something at least.<br />
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<b>Can what I am doing scale?</b><br />
Scale is simply about serving more people with little or no increase in costs. On the average almost every business can scale but there are usually limits. I'd do a subsequent post discussing scaling in detail.<br />
<b><br /></b>
<b>How much of scale do I want?</b><br />
I'd rather rephrase this as how much of profits do I want?<br />
The <b>Apaflo Profits Multiplication Table (APMT) </b>basically shows how profits multiplied by customers gives you money in the bank! Sell an item with a profit of $1 to 10 people, you make $10. Sell an item of $100 to 1,000 people you have $100,000. As simple as this looks or sounds, when I propose this to people it always sounds unbelievable.<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg7_TCoL9P1WCIiBERWgg_yFKrpjtm5tAEqO1ZEAzxrEN-QRtkmyND1SYMt_dmSZkOXQjgb8SRYoQktqBWBBOUD8trgGAzTyIREfnxoykmmh0zvW6ei5WStHZ7KhdcnhWvatbHWwASPMTQ/s1600/APMT.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="284" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg7_TCoL9P1WCIiBERWgg_yFKrpjtm5tAEqO1ZEAzxrEN-QRtkmyND1SYMt_dmSZkOXQjgb8SRYoQktqBWBBOUD8trgGAzTyIREfnxoykmmh0zvW6ei5WStHZ7KhdcnhWvatbHWwASPMTQ/s640/APMT.png" width="640" /></a></div>
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I'd give you an example. A popular local makeup manufacturer (For the purpose of this article, lets call the brand Primus) has annual revenues of about N600m and this popped up in a discussion. The first question that was asked was who uses Primus? There and then, I began to break it down.<br />
<blockquote class="tr_bq">
An average pack of Primus' products costs N10,000<br /><br />600m annually means 50m monthly<br /><br />50m monthly means 5,000 people purchasing one pack per month<br /><br />Considering that make up is an item that is now a necessity for ladies, you can imagine that a lot of the 5,000 that purchased in month one would also purchase the next month. All things being equal a set of 5,000 loyal customers spending a paltry N10,000 monthly would help this business generate N600m in revenues and guess the population of ladies in Nigeria? Over 50m.<br /> <br />Now you see that Primus is serving just about 0.01% of the addressable market!<br /></blockquote>
The APMT for Primus would look like this:<br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiEwPiWhTER-vEPd5VXBJGIYRvMAUqvzLOVXYDjiX4cCNccqcsvbd8CZKNGvB02CSpq63VDeyRDbojIyLa-JeWj1wUyx7xYPSW3DRFSmUZJ1LCU6av8o1IZ1IttzUi0jba-JuKvpFaWN8Q/s1600/Primus.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="330" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiEwPiWhTER-vEPd5VXBJGIYRvMAUqvzLOVXYDjiX4cCNccqcsvbd8CZKNGvB02CSpq63VDeyRDbojIyLa-JeWj1wUyx7xYPSW3DRFSmUZJ1LCU6av8o1IZ1IttzUi0jba-JuKvpFaWN8Q/s640/Primus.png" width="640" /></a></div>
So there you have it. I want you to think through what you currently have in your hands and ask yourself how you can make it available to more people.<br />
<br />
The laws of arithmetic never fail.</div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-46388446909889774.post-47505681517803097712016-11-18T12:51:00.000+01:002016-11-18T12:51:40.631+01:00Leadership in unlikely ways<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="http://www.cls360.com/portals/0/TrafficLights.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://www.cls360.com/portals/0/TrafficLights.png" height="100" width="320" /></a></div>
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One cool evening after work, I was driving home on the busy Adeola Odeku Street in Victoria Island. The beauty of the night lights really gives the street a nice dazzle.</div>
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Away from the aesthetics of the road, from afar I saw one of the traffic lights blinking - signaling it was about to turn red and I frantically tried to pick up speed to beat the light to no avail. </div>
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As I settled down accepting my fate, the drivers behind me didn't seem to understand that RED meant stop as they kept on blaring their horns for me to move so they could also move.</div>
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I decided to wait for the light to turn green before I moved ignoring the resulting noise pollution coming from behind me.</div>
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As I drove off , I started seeing leadership from a different dimension. The fact that the right actions of one man can actually compel others to act right.</div>
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In this situation, once I wasn't going to beat the light every other person behind me had to wait whether they liked it or not.</div>
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I realised I didn't need to be in Aso rock to lead I could do it right from the streets.</div>
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Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-46388446909889774.post-85854835067616240132016-09-01T11:15:00.002+01:002016-09-01T11:15:26.331+01:00My FATE Foundation Experience<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="http://www.fatefoundation.org/" target="_blank">FATE Foundation</a> is a charitable organization with a full focus on entrepreneurial development. They run various programs for aspiring business owners and those already in business. The Foundation is the brain child of Fola Adeola the founder of Guaranty Trust Bank Plc. You can check them out on their website <a href="http://www.fatefoundation.org/" target="_blank">www.fatefoundation.org </a></div>
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<a href="http://fatefoundation.com/wp-content/uploads/2016/04/NewLogo.png-e1448378386771.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://fatefoundation.com/wp-content/uploads/2016/04/NewLogo.png-e1448378386771.jpg" height="180" width="320" /></a></div>
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In April 2016, I was a student in the <b><a href="http://fatefoundation.org/aep/" target="_blank">Aspiring Entrepreneurs Program (AEP 55)</a></b> and I tell you it was a lot of new learning which got me really excited about the future.</div>
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From the very first class with Mrs Toyin Bakare, COO of SAS Textiles, I had concluded my fees were already well spent. We had several sessions on Goal Setting, Marketing, Negotiation Skills, Legal Issues, Finance and accounts. To see a detailed outline of the syllabus, please click <a href="http://fatefoundation.org/aep/" target="_blank">this link</a>.</div>
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One thing I particularly liked about the AEP program was the calibre of people that were facilitating these classes. Top shots! For example the Marketing Class was taken a Director in Olam International. We also had facilitators from KPMG, Banwo & Ighodalo etc. They were all subject matter experts.</div>
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<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhZXxnsfu74fcKKNky7SoydjTPvlhhOtzMmaHL22pZN-Fnpn0aDQrDb9sT02xhij1QVSw6s084TTjj5Zn81zPVYdQetF1EVjO7g0-GuLeEFfaG7kgz4T02BE0KbIJHJQ_sl0vbu3ABvs5Y/s1600/Screenshot_2016-05-15-13-51-37.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="312" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhZXxnsfu74fcKKNky7SoydjTPvlhhOtzMmaHL22pZN-Fnpn0aDQrDb9sT02xhij1QVSw6s084TTjj5Zn81zPVYdQetF1EVjO7g0-GuLeEFfaG7kgz4T02BE0KbIJHJQ_sl0vbu3ABvs5Y/s320/Screenshot_2016-05-15-13-51-37.png" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><div style="font-size: medium; text-align: justify;">
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<i><span style="font-size: xx-small;">Role Play: Vera-cruz Engineering Limited and Five Star Construction Limited negotiating a working partnership.</span></i></div>
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For me my most valuable sessions were the sessions on marketing. Asides from the fact that I was at FATE Foundation mainly to fix this about my business, the facilitators did an in-depth job to this subject covering offline and online marketing. I ended up crafting a digital marketing strategy which is currently in use by my firm and yielding significant results.</div>
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I was also made to rethink my business focus. Fine tune our vision, mission and goals. We also had a very interesting session on business ethics.</div>
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<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiknoiw-lWEpU01K2F3HTpRKwxQ_iAETf_JdaK9FUgb8wlLmDKLspbag6IFgRNpO2dK5zia1hh3f8bX0Pu_80dkH4PqItiNLzaiN1EG5zucZpzLUL8kQRRPW80h4wxuOj8sODKmApF1xps/s1600/IMG-20160610-WA0005.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiknoiw-lWEpU01K2F3HTpRKwxQ_iAETf_JdaK9FUgb8wlLmDKLspbag6IFgRNpO2dK5zia1hh3f8bX0Pu_80dkH4PqItiNLzaiN1EG5zucZpzLUL8kQRRPW80h4wxuOj8sODKmApF1xps/s400/IMG-20160610-WA0005.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">My AEP 55 Classmates</td></tr>
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I made new friends and the <a href="http://www.fatefoundation.org/" target="_blank">FATE Foundation</a> team was extremely professional and committed. It was not unusual to get a frown from Oge the Coordinator any time you come late. I mean for an adult program you are there wondering "<i>why is she taking panadol for my headache?" </i>They really take your development serious which is a very good thing.</div>
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The interesting thing about the AEP Program is that even when you are done with the in-class training, you continue to get support like mentorship, targeted workshops, entrepreneur visits and the likes. This program is worth every kobo.</div>
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As at the time I took this program, it was priced at N200,000 with options for need based scholarship and an early payment discount.</div>
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Are you in business or are you planning to start a business? I recommend this program for you.</div>
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-46388446909889774.post-11103975384815804992016-07-14T08:18:00.000+01:002016-07-14T08:18:08.991+01:00Before you get a mentor<div dir="ltr" style="text-align: left;" trbidi="on">
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So this post is actually supposed to be one line:</div>
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<blockquote class="tr_bq" style="text-align: justify;">
Before you get a mentor, do your homework!</blockquote>
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<a href="http://www.thinkitassociation.org/media/65866/mentorship.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://www.thinkitassociation.org/media/65866/mentorship.jpg" height="212" width="320" /></a></div>
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Too many times I have seen people who rush at mentorship without doing the necessary work that they need to do on their own. This is what I call the homework.</div>
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Homework back in my early schooling days was an assignment that the teacher expected her students to work on outside the classroom. So I would be using this teacher/student relationship to explain somethings. It is important to note that for this article, I am not referring to the teacher as the mentor.</div>
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Now when you receive home work, the following things are necessary:</div>
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<b>1. Properly document the homework:</b> Just like you have to copy out the assignment from the board or listen attentively to figure out which pages to read, in life we need to properly document and define the problem.</div>
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<b>2. Figure out what you already know from previous lessons:</b> In the same way a teacher builds the next lesson on previous lessons, the issues we have in life can be solved with some insight we have acquired along the way. This insight might not solve the entire problem but would at least get you started.</div>
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<b>3. Attempt to solve the homework:</b> Now before you begin calling people to help you solve your problems, attempt to solve it yourself first and get stuck. Let is be that you require a mentor simply because you are stuck. Not stuck as a result of fear but stuck because you are at wits end. For example, before you get a business mentor, study business basics! I get really annoyed when people ask me things that would pop up on the first page of a google search result.</div>
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<b>4. Get disciplined yourself:</b> I once had someone who wanted me to mentor him academically. He made a request that made me realize he wasn't ready. He asked that I call him everyday to find out if he had been reading. We need to realize that the mentors we have are also busy chasing their goals and as such, their time is precious let me state that again with more emphasis PRECIOUS!! A better option for him would have been to offer to send me a text everyday when he was done with his reading sessions. Do not look for a mentor to instil discipline in you. He can help you remain focused but should not be responsible for originating your discipline. Aim for self discipline.</div>
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When you do these 4 things, most times you find out that the answers are within reach and you do not even need to consult anyone.</div>
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Should you need to still consult a mentor, you can approach him telling him of how you have properly documented the problem, what you know so far and how much effort you have put in already and the areas in which you need help.</div>
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Thank you for reading this. Hope it makes some sense.</div>
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Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-46388446909889774.post-63459533646894564192016-05-22T15:17:00.000+01:002016-05-22T15:17:01.843+01:00Mckinsey & Company Pre-interview evaluation questionnaire <div dir="ltr" style="text-align: left;" trbidi="on">
<span style="font-family: Arial, Helvetica, sans-serif;">In a bid to get into the world's number one consulting firm Mckinsey and Company, you typically start by completing an evaluation form which is analyzed and this determines whether you are called for a test.</span><br />
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<a href="https://upload.wikimedia.org/wikipedia/en/e/e9/McKinsey_%26_Company_logo.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="105" src="https://upload.wikimedia.org/wikipedia/en/e/e9/McKinsey_%26_Company_logo.png" width="320" /></a></div>
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<span style="font-family: Arial, Helvetica, sans-serif;">A while back I completed the evaluation form and the following were my answers. These answers were deemed good enough for me to be short-listed for a PST (Problem Solving Test).</span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"><b><br /></b></span>
<span style="font-family: Arial, Helvetica, sans-serif;"><b>Describe an important and out of the ordinary achievement in your life</b></span><br />
<span style="font-family: Arial, Helvetica, sans-serif;"><br /></span>
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<span style="background: white;"><span style="font-family: Arial, Helvetica, sans-serif;"><span style="line-height: 115%;">I'm proud of the fact that I graduated on
time with a first class degree while I got involved in student politics,
volunteer activities, while also working part-time for two years in school. A
lot of my classmates </span><span style="line-height: 18.4px;">weren't</span><span style="line-height: 115%;"> involved in other activities asides school work or
let their grades suffer. I believe the reason I got through it all was sheer
determination and discipline; I never even let myself visualize anything but
finishing on time and with good grades. So I firmly believe in the importance
of a positive outlook.<o:p></o:p></span></span></span></div>
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<span style="background: white; line-height: 115%;"><span style="font-family: Arial, Helvetica, sans-serif;"><b><br /></b></span></span></div>
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<span style="background: white; line-height: 115%;"><span style="font-family: Arial, Helvetica, sans-serif;"><b>What has been a defining moment of your life?</b></span></span></div>
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<span style="background: white; line-height: 115%;"><span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"><span style="background: white; line-height: 115%;"></span></span></div>
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<span style="background: white; line-height: 115%;"><span style="font-family: Arial, Helvetica, sans-serif;">One of the
defining moments of my life was reading a book – An enemy called average by
John Mason. I learnt about focus, perseverance and the power of
self-confidence. Prior to reading that book, I was extremely shy, bereft of a
life focus and was at best a mediocre having finished my high school education
with an average result. I had no plans for my future; I had no idea about what
to expect from life. The nuggets I learnt from that book have spurred me on to
a very interesting and fulfilled life sprinkled with leadership involvements,
achievements and good interpersonal relationships. I also developed some
principles like asking for help when necessary as a result of reading that
book. I look back in retrospect and I can clearly see that all my best years
came after reading that book.<o:p></o:p></span></span></div>
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<span style="background: white; line-height: 115%;"><span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></span></div>
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<span style="background: white; line-height: 115%;"><span style="font-family: Arial, Helvetica, sans-serif;"><b>What significant challenge have you had to overcome in your life ? How did you over come it and what was the challenge?</b></span></span></div>
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<span style="background: white; line-height: 115%;"><span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></span></div>
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<span style="font-family: Arial, Helvetica, sans-serif;"><span style="background: white; line-height: 115%;"></span></span></div>
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<span style="background: white;"><span style="font-family: Arial, Helvetica, sans-serif;"><span style="line-height: 115%;">I was working on a volunteer project to
acquire new music equipment for the organization. From preliminary analysis,
over a million naira would be required and the organization had funds to cover
only about ten percent of the projected cost. I had outlined possible donors
whom we intended writing letters of support to and knowing well that the donors
I was writing to had always been supporting the organization, I was concerned
about possible donor fatigue. I discussed my concerns with some other members
of the organization and they agreed with me. Our options were to widen the
donor bracket, reduce the amount required from a donor or both widening the
donor bracket while reducing the amount required from a donor. The latter
option seemed best as it would certainly meet our objective of raising funds
while ensuring that no donor is overburdened. I came up with an idea of
splitting the funds into smaller chunks called “blocks” hence making it
possible for an amount as little as five thousand naira to be donated. With
this, our existing donors </span><span style="line-height: 18.4px;">didn't</span><span style="line-height: 115%;"> feel overburdened and we were able to also
enlist new donors. This plan not only raised the required funds but in three
weeks, we had raised about one hundred thousand naira extra.<o:p></o:p></span></span></span></div>
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<span style="background: white; line-height: 115%;"><span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></span></div>
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<span style="background: white;"><span style="font-family: Arial, Helvetica, sans-serif;"><b><span style="line-height: 115%;">Describe a situation where you failed in </span><span style="line-height: 18.4px;">achieving</span><span style="line-height: 115%;"> your goal. What did you learn from it?</span></b><span style="line-height: 115%;"> </span></span></span></div>
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<span style="background: white; line-height: 115%;"><span style="font-family: Arial, Helvetica, sans-serif;"><br /></span></span></div>
<div class="MsoNormal" style="text-align: justify;">
<span style="font-family: Arial, Helvetica, sans-serif;"><span style="background: white; line-height: 115%;"></span></span></div>
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<span style="background: white;"><span style="font-family: Arial, Helvetica, sans-serif;"><span style="line-height: 115%;">Some years back, I was the leader of a
thirty man team that organized a national conference. My team members worked
with me effortlessly to make sure the conference was a success. I had planned
to have a final meeting to thank everyone once the conference was over. The
conference came to an end and I immediately got busy with other things thus
forgetting my plans. I </span><span style="line-height: 18.4px;">didn't</span><span style="line-height: 115%;"> get the opportunity to really let my team members
know how much I appreciated them and their efforts. I learnt from that
experience to never hold back the praise and appreciation that is due to anyone
for a day but to give it immediately it is due. On the next project i worked
on, I didn't hold back praise and I had a very lively team with quite a number
of them becoming close friends.</span></span><span style="font-size: 9pt; line-height: 115%;"><o:p></o:p></span></span></div>
</div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-46388446909889774.post-20663454235101668002016-05-19T14:58:00.002+01:002016-05-19T14:58:39.505+01:00Using the STAR Framework for Interview Questions<div dir="ltr" style="text-align: left;" trbidi="on">
<span style="font-family: Verdana, sans-serif;"><br /></span>
<div class="separator" style="clear: both; text-align: center;">
<a href="http://dynamicrecruit.com/wp-content/uploads/2014/09/STAR-Behavioral-Interview-Technique-by-Doodleslide.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><span style="font-family: Verdana, sans-serif;"><img border="0" src="http://dynamicrecruit.com/wp-content/uploads/2014/09/STAR-Behavioral-Interview-Technique-by-Doodleslide.png" height="180" width="320" /></span></a></div>
<span style="font-family: Verdana, sans-serif;"><br /></span>
<span style="font-family: Verdana, sans-serif;"><br /></span>
<span style="font-family: Verdana, sans-serif;">I first came to the knowledge of the STAR framework when I was preparing for my case interview with <b>Mckinsey & Company</b>. Read <a href="http://www.davidapaflo.com/2013/09/at-some-point-in-my-life-my-dream-was.html" target="_blank">here</a>, <a href="http://www.davidapaflo.com/2013/12/my-mckinsey-story-part-2.html" target="_blank">here</a> and <a href="http://www.davidapaflo.com/2013/12/my-mckinsey-story-part-3.html" target="_blank">here</a> to catch up.</span><br />
<span style="font-family: Verdana, sans-serif;">The framework was introduced to me by Seun Oyegunle who at that time was an MBA student at Wharton Business School.</span><br />
<span style="font-family: Verdana, sans-serif;">A framework simply means an organized way of tackling a problem. You can call it a formula.</span><br />
<br />
<blockquote class="tr_bq" style="text-align: left;">
<span style="font-family: Verdana, sans-serif;"><b>STAR</b> simply means</span><blockquote>
<span style="font-family: Verdana, sans-serif;"><b>S - Situation : Give a brief description of the situation you found yourself in.</b><b><br /></b><b>T - Task : State the task you needed to carry out and the challenges you considered</b><b><br /></b><b>A - Action : Describe the specific actions you took to complete the task</b><b><br /></b><b>R - Result : State the result achieved with numbers to quantify the result.</b></span></blockquote>
</blockquote>
<br />
<span style="font-family: Verdana, sans-serif;">This framework is best used for </span><b style="font-family: Verdana, sans-serif;">competency-based questions</b><span style="font-family: Verdana, sans-serif;"> you might be asked in an interview. Usually with these questions, you have to tell a story about your achievement(s).</span><br />
<span style="font-family: Verdana, sans-serif;">The trick is to weave the STAR framework into your responses without pausing or letting the interviewer know you are making use of a framework. You need to make it flow seamlessly, this is where practice comes in.</span><br />
<span style="font-family: Verdana, sans-serif;">I used this framework to answer some of the pre-interview questions Mckinsey sent to me and I was successfully called to take the Problem Solving Tests.</span><br />
<span style="font-family: Verdana, sans-serif;"><br /></span>
<span style="font-family: Verdana, sans-serif;">An example of a STAR answer is shown below</span><br />
<span style="font-family: Verdana, sans-serif;"><br /></span>
<span style="color: red; font-family: Verdana, sans-serif;"><b>Q: Tell me of a time you displayed initiative at work</b></span><br />
<em style="border: 0px; font-stretch: inherit; line-height: 26.25px; margin: 0px; padding: 0px; vertical-align: baseline;"><strong style="border-image-outset: initial; border-image-repeat: initial; border-image-slice: initial; border-image-source: initial; border-image-width: initial; border: 0px; font-stretch: inherit; font-style: inherit; font-variant: inherit; line-height: inherit; margin: 0px; padding: 0px; vertical-align: baseline;"><span style="color: blue; font-family: Verdana, sans-serif;">A: One time, we had a nationwide labour strike but also had a backlog of clients' transactions to process (Situation). With the strike, mobility to get to the office to process these transactions was a challenge. Furthermore, these clients were mostly international clients and were already complaining about our turnaround time (Task with Issue). I realized that some of the work could be done remotely so I sent an email requesting remote access to our organizational files and commenced attending to these clients remotely and working through the labour strike. [Action]. I was able to attend to about 6 of the 10 clients and this resulted in repeat business of about $2m (Result-Measurable).</span></strong></em><br />
<span style="font-family: Verdana, sans-serif;"><br /></span>
<span style="font-family: Verdana, sans-serif;">Click <a href="http://www.davidapaflo.com/2016/05/mckinsey-company-pre-interview.html" target="_blank">here</a> to see more examples of this framework being put to use.</span></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-46388446909889774.post-54223589006504366502016-03-14T00:25:00.000+01:002016-03-14T00:25:05.378+01:00Mentor Monday - Episode 3 : You Only Live Once<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="http://www.sugarcityfm.com/wp-content/uploads/2014/09/yolo.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://www.sugarcityfm.com/wp-content/uploads/2014/09/yolo.jpg" height="180" width="320" /></a></div>
<br />
The acronym YOLO was popular a few years ago by US rapper/singer Drake. With the popularity of his song, people suddenly realized that you only get one shot at life.<br />
<br />
For me, this wasn't so strange because growing up, my Mother always had this funny quote:<br />
<blockquote class="tr_bq">
<br />When you were younger and you always dreamt of things you would do when you are older, this is it. This is the time you had been dreaming of. Make use of it.</blockquote>
<br />
A lot of times we have several dreams which we defer to the future not realising the time is now as some of these dreams have already been procrastinated to present day.<br />
<br />
I need you all to take a deep breath, remember those things which you always said you would do and JUST DO IT because you only live once!</div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-46388446909889774.post-63575501803211443692016-03-07T00:13:00.000+01:002016-03-07T00:13:03.527+01:00Mentor Monday - Episode 2 : Think like your boss<div dir="ltr" style="text-align: left;" trbidi="on">
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<div class="separator" style="clear: both; text-align: center;">
<a href="http://sd.keepcalm-o-matic.co.uk/i/keep-calm-and-think-like-me-7.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://sd.keepcalm-o-matic.co.uk/i/keep-calm-and-think-like-me-7.png" height="200" width="171" /></a></div>
<br />
<br />
I was in Dele Ogunlowo's office "Egbon Dele" as I fondly call him. We were talking about business in general and building careers.<br />
<br />
One thing led to another and he said to me :<br />
<br />
<blockquote class="tr_bq">
<b>To be successful as an employee, you need to think like your employer!</b></blockquote>
I also dare add - to be successful as an employer, you need to think like your clients.<br />
<br />
Basically, the concept is to ensure that you are on the same page with the person who evaluates your efforts. </div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-46388446909889774.post-36993443706331282222016-02-29T00:04:00.000+01:002016-02-29T00:04:04.268+01:00Mentor Monday - Episode 1 : Progression <div dir="ltr" style="text-align: left;" trbidi="on">
<blockquote class="tr_bq">
I have quite a number of people (mentors) whom I seek wisdom and guidance from at Intervals. For the next 9 weeks, I would share some key lessons I have learnt from these amazing people on Mondays. </blockquote>
<div class="separator" style="clear: both; text-align: center;">
<a href="http://www.3r-strategy.com/wp-content/uploads/2015/03/services_job_levelling.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://www.3r-strategy.com/wp-content/uploads/2015/03/services_job_levelling.jpg" height="247" width="320" /></a></div>
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<div style="background-color: white; color: #141823; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 19.32px; margin-bottom: 6px;">
I remember one day sharing with my mentor <a class="profileLink" data-hovercard="/ajax/hovercard/user.php?id=591187373" href="https://web.facebook.com/yemi.sanni" style="color: #3b5998; cursor: pointer; text-decoration: none;">Yemi Sanni</a> about how I just had a great year in business and was wondering if I could do it again.</div>
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<br /></div>
<div style="background-color: white; color: #141823; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 19.32px; margin-bottom: 6px; margin-top: 6px;">
He sat me down and told me a very short story that has forever changed my perspective.</div>
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<br /></div>
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He said "When I was in Primary 2, I would walk past the Primary 4 class and see the maths they were solving on the board. It would look so difficult and I would wonder how I would manage to pass maths when I get to Primary 4 but then I got to Primary 4<span class="text_exposed_show" style="display: inline;"> and not only did I understand the maths at that level, I was topping the class"</span></div>
<div style="background-color: white; color: #141823; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 19.32px; margin-bottom: 6px; margin-top: 6px;">
<span class="text_exposed_show" style="display: inline;"><br /></span></div>
<div class="text_exposed_show" style="background-color: white; color: #141823; display: inline; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 19.32px;">
<div style="margin-bottom: 6px;">
The lesson sank in clearly. Some things in life are about progression. Doing stage 1 well helps you succeed at stage 2.</div>
<div style="margin-bottom: 6px;">
<br /></div>
<div style="margin-bottom: 6px; margin-top: 6px;">
This advice has been one I constantly remember and YES, I had another fantastic year. No stopping.</div>
<div style="margin-bottom: 6px; margin-top: 6px;">
<br /></div>
<div style="margin-bottom: 6px; margin-top: 6px;">
Don't worry too much about the future focus on doing your best today and the future would arrive in grand style.</div>
<div style="margin-bottom: 6px; margin-top: 6px;">
<br /></div>
</div>
<span style="background-color: white; color: #141823; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 19.32px;">Thank you</span><span style="background-color: white; color: #141823; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 19.32px;"> </span><a class="profileLink" data-hovercard="/ajax/hovercard/user.php?id=591187373" href="https://web.facebook.com/yemi.sanni" style="background-color: white; color: #3b5998; cursor: pointer; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 19.32px; text-decoration: none;">Yemi Sanni</a><span style="background-color: white; color: #141823; font-family: "helvetica" , "arial" , sans-serif; font-size: 14px; line-height: 19.32px;"> </span><a class="_58cn" data-ft="{"tn":"*N","type":104}" href="https://web.facebook.com/hashtag/truestory?source=feed_text&story_id=10153922558939304" style="background-color: white; color: #3b5998; cursor: pointer; font-family: helvetica, arial, sans-serif; font-size: 14px; line-height: 19.32px; text-decoration: none;"><span aria-label="hashtag" class="_58cl" style="color: #627aad;">#</span><span class="_58cm">Truestory</span></a> </div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-46388446909889774.post-8965195835991959192016-02-25T16:31:00.000+01:002016-02-25T16:33:37.110+01:00Why Cards Episode 2<div dir="ltr" style="text-align: left;" trbidi="on">
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<blockquote class="tr_bq" style="background-color: white; color: #222222; font-family: Calibri, sans-serif; font-size: 11pt; margin: 0in 0in 0.0001pt;">
<br />
<blockquote class="tr_bq">
So I told you guys in my <a href="http://www.davidapaflo.com/2016/01/questions-why-cards-episode-1.html" target="_blank">last episode of Why cards</a> that I learnt this stuff from my sister. I got her to give my readers a dose of her witty insights. enJOY (Her name is Joy...pun intended)</blockquote>
</blockquote>
<div class="separator" style="clear: both; text-align: center;">
<a href="http://cdn2.hubspot.net/hubfs/197491/why.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://cdn2.hubspot.net/hubfs/197491/why.jpg" height="213" width="320" /></a></div>
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<br /></div>
<div class="MsoNormal" style="background-color: white; color: #222222; font-family: Calibri, sans-serif; font-size: 11pt; margin: 0in 0in 0.0001pt;">
<b>Q: Why greeting cards?</b></div>
<div class="MsoNormal" style="background-color: white; color: #222222; font-family: Calibri, sans-serif; font-size: 11pt; margin: 0in 0in 0.0001pt;">
<b>A: </b>They are cheap and save you the breath</div>
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<br /></div>
<div class="MsoNormal" style="background-color: white; color: #222222; font-family: Calibri, sans-serif; font-size: 11pt; margin: 0in 0in 0.0001pt;">
<b>Q: Why movies?</b></div>
<div class="MsoNormal" style="background-color: white; color: #222222; font-family: Calibri, sans-serif; font-size: 11pt; margin: 0in 0in 0.0001pt;">
<b>A: </b>You can live many lives in a few hours</div>
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<br /></div>
<div class="MsoNormal" style="background-color: white; color: #222222; font-family: Calibri, sans-serif; font-size: 11pt; margin: 0in 0in 0.0001pt;">
<b>Q: Why machines?</b></div>
<div class="MsoNormal" style="background-color: white; color: #222222; font-family: Calibri, sans-serif; font-size: 11pt; margin: 0in 0in 0.0001pt;">
<b>A:</b> They don’t get tired</div>
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<br /></div>
<div class="MsoNormal" style="background-color: white; color: #222222; font-family: Calibri, sans-serif; font-size: 11pt; margin: 0in 0in 0.0001pt;">
<b>Q: Why doormen?</b></div>
<div class="MsoNormal" style="background-color: white; color: #222222; font-family: Calibri, sans-serif; font-size: 11pt; margin: 0in 0in 0.0001pt;">
<b>A: </b>People don’t like to enter a place unnoticed</div>
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<br /></div>
<div class="MsoNormal" style="background-color: white; color: #222222; font-family: Calibri, sans-serif; font-size: 11pt; margin: 0in 0in 0.0001pt;">
<b>Q: Why make up and perfumes?</b></div>
<div class="MsoNormal" style="background-color: white; color: #222222; font-family: Calibri, sans-serif; font-size: 11pt; margin: 0in 0in 0.0001pt;">
<b>A:</b> They are masks</div>
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<br /></div>
<div class="MsoNormal" style="background-color: white; color: #222222; font-family: Calibri, sans-serif; font-size: 11pt; margin: 0in 0in 0.0001pt;">
<b>Q: Why Zoos?</b></div>
<div class="MsoNormal" style="background-color: white; color: #222222; font-family: Calibri, sans-serif; font-size: 11pt; margin: 0in 0in 0.0001pt;">
<b>A: </b>Saves travel time to have the animals in one place.</div>
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<br /></div>
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<b>Q: Why shower stands?</b></div>
<div class="MsoNormal" style="background-color: white; color: #222222; font-family: Calibri, sans-serif; font-size: 11pt; margin: 0in 0in 0.0001pt;">
<b>A: </b>It is like rain</div>
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<br /></div>
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<b>Q: Why do people keep long hair?</b></div>
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<b>A: </b>It’s a covering</div>
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<br /></div>
<div class="MsoNormal" style="background-color: white; color: #222222; font-family: Calibri, sans-serif; font-size: 11pt; margin: 0in 0in 0.0001pt;">
<b>Q: Why write blogs?</b></div>
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<b>A:</b> You get to keep a public diary</div>
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<b>Q: Why do we pay taxes?</b></div>
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<b>A: </b>For benefit of the public or not, depending on who collects it.</div>
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<b>Q: Why build a career?</b></div>
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<b>A: </b>Become a ‘Jack’ of one trade</div>
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<b>Q: Why do we use pressing irons?</b></div>
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<b>A: </b>To imitate the look of new clothes</div>
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<b>Q: Why build sky scrapers?</b></div>
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<b>A:</b> To save land</div>
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<b>Q: Why should we budget?</b></div>
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<b>A:</b> We count our chicks before they hatch</div>
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Unknownnoreply@blogger.com5tag:blogger.com,1999:blog-46388446909889774.post-19332431850813303362016-02-07T16:09:00.001+01:002016-02-07T16:11:27.506+01:00CFA @ 23!!! Interview with CFA Wizkid - Folashade Odejayi<div dir="ltr" style="text-align: left;" trbidi="on">
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<span style="font-family: "trebuchet ms" , sans-serif;">This is the part where I get to famz. I and Shade (Flash as she is popularly called) were in the same graduating set in Unilag and we also worked together at Vetiva for a while. We also took our first CFA exams at the same time but while I went on to fail, she has gone on blazing the trail and now gives us clues to lead us in our quest for the revered CFA designation. </span><span style="font-family: "trebuchet ms" , sans-serif; text-align: left;">In August 2015, she passed the final level of the CFA exams and in this interview, she tells us how she was able to do it at 23 and also shares some useful insights - DA. </span></blockquote>
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<span style="font-family: "trebuchet ms" , sans-serif;"><b>Tell us about yourself (Education & Work background)</b> – Thank you David. I studied Finance in the University of Lagos…finished with a good degree too. Since then, I have worked as a research intern at Vetiva Capital Management. I did this for 3 months after which I had to serve at a private school in Festac, Lagos. Once I was done with this, I decided to further my education and just generally build on my knowledge base, so I enrolled in the CFA program. Shortly after this, I got an offer to work with the corporate finance team of PricewaterhouseCoopers, my current place of work. Whilst there (about 2 and a half years), I have worked on engagements providing financial advisory services to clients in several industries in and outside of the country.</span></div>
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<span style="font-family: "trebuchet ms" , sans-serif;"><b>How did you get to know about CFA & why CFA?</b> – I heard about CFA while I was in the University and I’ll add that this information didn't just come to me…let’s just say I went around asking what professional courses I could take to further my knowledge in Finance. This should come as no news to you, but I totally enjoyed what I was studying at the time and I was bent on practising and also learning a lot more in this field. I knew about most of the popular professional exams like ICAN, ACCA etc. but I really wasn't interested in accounting. So I just thought to myself that there had to be something similar for Finance.</span></div>
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<span style="font-family: "trebuchet ms" , sans-serif;"><span style="color: red;">I went around asking what professional courses I could take to further my knowledge in Finance. </span></span></blockquote>
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<span style="font-family: "trebuchet ms" , sans-serif;"><b>How did you prepare for CFA</b> – Well, I studied! Lol yeah…that quite sums it up, but I guess I can give a little more detail which may be helpful to a few people. My early stages of preparation were driven by fear…I must be honest…and this had everything to do with what people were saying about the exam and nothing to do with any personal experience. Of course, I had to get myself out of that phase (basically this fear had me postponing my exam date for the level 1 exam several times…hahaha!), register for the exam …everything fell into place after that. I got serious, decided to attend CFA classes and I would read every time I had the opportunity to. I read straight out of the curriculum (I always found this to be much more enlightening, interesting and practical…especially because I was more concerned with learning and knowing rather than just passing), practised a lot of questions and tried to make it as practical as possible. That’s the only way it sticks for me. My level II and III exams were a lot more practical because I had the opportunity to use a lot of what I was learning in the office…that for me was the high point of this experience…I just always appeared to be more knowledgeable than my peers in the office *laughs*. It was a difficult experience I must say, and this was primarily attributable to the nature of my work…I work long hours <u>so my sleep had to suffer because I was determined my exams wouldn't</u>. </span></div>
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<span style="font-family: "trebuchet ms" , sans-serif;"><i>Notes: for those who do not already know, Curriculum refers to CFA's official study books. There are also several other study materials which you can use asides the Curriculum.</i></span></div>
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<span style="font-family: "trebuchet ms" , sans-serif;"><b>How were you able to manage a demanding finance job and preparing for CFA exams?</b> – OK, so I touched on that a bit with the last question. I basically had to create a mental time table. There were a lot of times when I really didn't adhere to this (needless to say, it was really difficult), but I always made sure that I made up for lost time. So this was my trick, I tried to leave the office by 9pm on the average, sleep once I was home…this was usually about 10/11pm depending on all I needed to do before going to bed, wake up by 2am and study till about 5/6am depending on my strength. On some days it was a struggle, on others, I did pretty well. My level 3 prep was the most difficult, it was always a struggle to be up and I really don’t know why that was the case. Anyway, I always used my weekends to make up…my weekends were totally sold out to CFA. In between classes and personal study, I really did nothing else…well…a few occasional hangouts with my babe and of course, church on Sundays. My office also gives 2 weeks study leave for the exam, so I always made the most of that too. </span></div>
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<span style="color: red; font-family: "trebuchet ms" , sans-serif;">...leave the office by 9pm ...wake up by 2am and study till about 5/6am ...my weekends were totally sold out to CFA. In between classes and personal study, I really did nothing else
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<span style="font-family: "trebuchet ms" , sans-serif;"><b>Now that you are done, do you have any special preparation secrets you might want to share?</b> – </span><span style="font-family: "trebuchet ms" , sans-serif;">Well, I don’t know about secrets but like I always say everyone needs to find what works for them. I know of a few friends who say they never looked at the curriculum and they have passed all 3 levels. That would definitely not have worked for me and I know this because I tried this in level 2 and I really didn't feel like I was learning anything concrete…there were always some loose ends and I had to go back to the curriculum to perfect my understanding…but then again, that’s probably because I started out my CFA journey with the curriculum. I practised a lot of questions especially during my level 1 and 2 prep, I really didn't have a lot of time to do this in level 3. The mock exams at New Frontiers (my CFA prep class) also helped a lot, the feedback was always a good tool to judge my preparation level at each phase. All said, perhaps my biggest secret was the fact that I read to understand and not to pass, so nothing ever seemed strange on the exams. And of course once this is the case, time is never a problem…except on the level 3 exam…lol.</span></div>
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<span style="font-family: "trebuchet ms" , sans-serif;"><b>What advice do you have for people currently writing CFA exams or planning to write sometime </b><b>in the future?</b> </span></div>
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<li style="text-align: justify;"><span style="font-family: "trebuchet ms" , sans-serif;">Have a plan, don’t just join the band wagon. Write it because you believe you may have use for it in the future. There are already a lot of demotivating factors associated with the exam…you really don’t want to put in all that energy into something you do not need or may never use. Also, that feeling of need creates a strong motivation which basically keeps you fuelled during the prep…there is a lot of burnout I must say, especially as you climb higher and of course, if you are combining this with a full time job. </span></li>
<li style="text-align: justify;"><span style="font-family: "trebuchet ms" , sans-serif;">Make up your mind, find your motivation and prepare smart (preparing hard doesn't always give you success on the exam). </span></li>
<li style="text-align: justify;"><span style="font-family: "trebuchet ms" , sans-serif;">For those who have started the journey, when you feel overwhelmed, take a break (and not just sleep…do something that relieves you of stress). I did this a lot when I had bad feedback from tests, or when I had studied for a long stretch of hours (especially during my study leaves); In fact, I would download movies while studying, just to make sure I had something exciting to watch when I needed the distraction.</span></li>
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<b style="font-family: 'trebuchet ms', sans-serif; text-align: left;">How do you feel achieving this feat at such a young age?</b><span style="font-family: "trebuchet ms" , sans-serif; text-align: left;"> – </span><i style="font-family: 'trebuchet ms', sans-serif; text-align: left;">Elated!</i><span style="font-family: "trebuchet ms" , sans-serif; text-align: left;"> To say the least. I started out not really knowing what or when the end would be. I had too many doubts, especially on result day…lol. It felt and still feels really good, especially because of the kind of knowledge I have been exposed to. I need to keep studying to retain and build on this of course, but I can confidently speak about finance now than when I had just graduated from University.</span></div>
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<span style="font-family: "trebuchet ms" , sans-serif;"><b>After this, what next?</b> – I am still finding out. I am open to taking on roles in different fields in finance to put into use what I have been taught on the program and also see the practical side of things (I have my top areas of interest certainly). I intend to pursue an MBA and possibly, a few international roles. I am also currently working on a few entrepreneurial ideas I've had for a while. </span></div>
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<span style="font-family: "trebuchet ms" , sans-serif;"><b>Any extras for our readers?</b> – There is nothing more rewarding than seeing ‘We are pleased to inform you….’ on result day after all those months of hard work. Give it your best shot, commit it to God and stay confident. Do not procrastinate, now is always the best time. More importantly…do not form an opinion of this exam or your success on it based on other peoples’ experiences, sometimes they do not give the full picture and their experience does not have to be yours…You are in charge of your time, you know what this means to you and you are the only one that can make it happen! </span></div>
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<span style="color: red; font-family: "trebuchet ms" , sans-serif;">Do not form an opinion of this exam or your success on it based on other peoples’ experiences
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<u><span style="font-family: "trebuchet ms" , sans-serif;">P.S. If you need a prep class, New Frontiers is the place! It’s unbelievable how many intelligent people you have in one place.</span></u></div>
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Unknownnoreply@blogger.com2tag:blogger.com,1999:blog-46388446909889774.post-54728773782446367082016-02-02T13:08:00.001+01:002016-02-02T13:08:08.693+01:00Startups and Maternity Leave<div dir="ltr" style="text-align: left;" trbidi="on">
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A female colleague at my startup recently informed me about her wedding plans later in the year. After congratulating her and assuring her of my commitment to attend, the costs of this news began to dawn on me.<br />
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As the business leader, I am responsible for the financial management of the firm and so I deal with costs everyday. Aside from the cost of buying her a befitting wedding gift, I began to think long-term about the other costs.<br />
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Her upcoming wedding means approximately nine months from that time, we are likely to expect her to turn in a request for maternity leave. Now this is where things get tricky.<br />
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Asides the fact that a key member of our team would be away for a long time, this maternity leave is also a paid leave. With startups, policies get formulated along the way. They are never all in place from day one. We did not have a maternity leave policy so we needed one!<br />
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I must confess, the thought of one of my staff members needing maternity leave never crossed my mind till this moment. I resolved that this issue needed to have a standardized solution even as we seek to bring more gender diversity to our firm,<br />
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I made a decision to adopt a fully paid maternity leave with job protection. The only question left was how do we afford this extra expense. As I sat to think about a solution, I realized that she could actually help us earn the resources needed to pay for her period of absence in advance.<br />
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This thus is my solution. We need to find a way to increase her productivity to earn an extra 3 months income.<br />
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I still have about 12 months to make this happen I hope.<br />
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Wish me well.:)<br />
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<i>Notes: Do you run a startup? Have you ever had to deal with maternity leave? Has this issue crossed your mind at all? Share your thoughts in the comments section.</i></b></div>
Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-46388446909889774.post-40547203618965272622016-01-30T08:58:00.001+01:002016-01-30T08:58:56.364+01:00Questions - Why Cards Episode 1<div dir="ltr" style="text-align: left;" trbidi="on"><br />
</div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKPR7aWUraj5FGfm8iv66cST0-RGdKVbMep8xGqx3fNxjKm9NUqv7G-bUYq3G3ybGwwSudGz6MhqmJ5vJj7tL3xmQJVX_Ff-wzDnRLg0oK-9rX7c4U-SFN4f2cDfc8Ab_w8h4iIEIF3es/s1600/why-text.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiKPR7aWUraj5FGfm8iv66cST0-RGdKVbMep8xGqx3fNxjKm9NUqv7G-bUYq3G3ybGwwSudGz6MhqmJ5vJj7tL3xmQJVX_Ff-wzDnRLg0oK-9rX7c4U-SFN4f2cDfc8Ab_w8h4iIEIF3es/s320/why-text.png" /></a></div><br />
<blockquote>Asides a recent obsession with <a href="http://www.quora.com">Quora</a>, I first came across the concept of Why cards one day while snooping on my younger sister's notepad. lol. It is basically about asking random questions and answering them with some cheeky answers.<br />
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It seemed fun and captivating. However, beneath the fun, you are likely to unearth some deep knowledge about certain issues. As one of my favorite writers Mike Murdock puts it, the quality of your life is determined by the quality of the questions you ask!<br />
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Have fun with this guys!</blockquote><br />
<b>Q: Why does Apple have a logo at the back of it's Macbooks?</b><br />
A: They just want to show off.<br />
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<b>Q: Why does the work week start on Monday and not any other day?</b><br />
A: Well, we all agreed to start on monday.<br />
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<b>Q: Why are you reading this?</b><br />
A: You are maybe bored or curious. Maybe trying to see what I'm up to. lol<br />
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Q: Why does America act like the class captain of the world?</b><br />
A: I dunno o. The stole the ether from Mid guard.<br />
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<b>Q: Why are pastors of mega churches so rich and their members are poor?</b><br />
A: Simple mathematics and economics, the pastors have a large market to serve.<br />
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Q: Why am I not as rich as Bill Gates?</b><br />
A: I just might be but have never realized it.<br />
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Q: Why am I doing this?</b><br />
A: I'm having fun I think.<br />
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<b>Q: Why do politicians all around Africa steal so much?</b><br />
A: It might be the African climate.<br />
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<b>Q: Why do we think?</b><br />
A: Cuz we need to think to survive.<br />
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<b>Q: Why wouldn't Warren Buffet just send me $10m?</b><br />
A: He doesn't have my account details.<br />
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Q: Why do we have atheists?</b><br />
A: Cuz God gave them the power of choice.<br />
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Q: Why is why spelt as Why and not y?</b><br />
A: Uhmnn, the schools just want to task kids.<br />
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-46388446909889774.post-79260283786044232852015-12-31T11:20:00.000+01:002015-12-31T11:20:29.252+01:00 Oba Ilobaa: 2016 Resolutions (for Men)<div class="separator" style="clear: both; text-align: center;"><a href="http://media.lifehealthpro.com/lifehealthpro/article/2015/12/16/resolutions2016-crop-600x338.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="http://media.lifehealthpro.com/lifehealthpro/article/2015/12/16/resolutions2016-crop-600x338.jpg" /></a></div>2016 Resolutions (for Men)<br />
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i. Make plenty money<br />
ii. Drink less<br />
iii. Eat healthy<br />
iv. Quit Smoking<br />
v. Join a Gym<br />
vi. Start saving... bla bla bla<br />
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Aren't you tired of lying to yourself?<br />
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We all 'wish' to be better persons right? But then we must put in the work and permanently overtake the imaginary life we oftentimes use to embellish our reality.Lol<br />
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Alot of people just make armchair resolutions year in year out.<br />
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Don't hop on a threadmill and expect it to take you someplace, if you really want to move you need to take a walk or find a bus going your way. Period!<br />
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Here are 10tips I've found very useful and practical too.<br />
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1. Write down your plans.</b> Do it the old fashioned way. Put pen on paper. Stick it where you can see it every single morning. Forget that app thing. It's cool and that's where it stops...<br />
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<b>2. The calendar does not have to change for you to make a change in your own life. </b>Start TODAY! You know what needs changing this minute so why are you indulging till Dec. 31st of any given year?<br />
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<b>3. Live deliberately. Stop that TGIF thing.</b> If you have to wait till Friday to live a little, what do you do from Monday till Thursday? Your wallet, liver and quality of life will improve if you live daily.<br />
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<i><b>FREE Tip: Get a job you truly love to go to -even on weekends.</b></i><br />
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<b>4. Get away from your routine life once in a while.</b> It will make you a better partner and parent. You can even fake a business trip and let some bad out. If you get caught then you're not as smart as you think you are... Really.<br />
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<b>FREE Tip: don't keep a mistress, it's expensive, especially emotionally.</b><br />
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5. Laugh more.</b> Go to fun places more often. Hang around people that make you really happy and promote your well being. Infact upgrade your cycle of friends if necessary.<br />
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<b>6. Call your mom more often.</b> I admit most times our mothers fuss too much but, she's your mother. She has sacrificed enough for your sake.<br />
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7. Skip all the dramatization.</b> Have a one-on-one with yourself about realistic goals you need to achieve in 2016 and start early. Don't talk too much about them.<br />
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<b>8. Gadgets. </b>Stop looking at your phone every 30seconds at public gatherings and meetings. Talk to the person beside you and hone your conversation skills. It's a real skill that will NEVER become old fashioned.<br />
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<b>9. Spend less than you earn and save</b> ahead for the luxury treats you've always wanted, its not rocket science... Or is it?<br />
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10. Remember, 'Hope' is not a strategy.</b> You have to do what it takes to get the life you really want. As they say "hope for the best, plan for the worst".<br />
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Have a splendid 2016.<br />
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-Cheers!<br />
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OBA Is a business owner. You can catch him on Twitter: @ilobaa Instagram: Obailoba Snapchat: obailobaUnknownnoreply@blogger.com0tag:blogger.com,1999:blog-46388446909889774.post-7577281746779523952015-10-28T18:08:00.000+01:002015-10-28T18:08:34.429+01:00From Lagos to France and the scholarship in between - Tosin Ogunmusire<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi8gnhPmSX2Ds2caq5522zhQg1COACNvRFgYd5XGZVAQ-qEheXUKOQf57ngbsE8sG5f_NNYMPVODV-Je7qv2F5KSetQTCmmA6KUBt8-dyPxYCc1cu9IXce94K8kZUihxdqMcdvMbFYNscE/s1600/France+Scholarship.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi8gnhPmSX2Ds2caq5522zhQg1COACNvRFgYd5XGZVAQ-qEheXUKOQf57ngbsE8sG5f_NNYMPVODV-Je7qv2F5KSetQTCmmA6KUBt8-dyPxYCc1cu9IXce94K8kZUihxdqMcdvMbFYNscE/s320/France+Scholarship.jpg" /></a></div><br />
<i><blockquote>After my blogpost on whether or not to go for a Masters degree, there has been significant interest from readers about advanced learning. In this post, I bring to you the story of a bright young Nigerian - Tosin Ogunmusire who won a scholarship from Total to study in France. This story is to inspire our readers and let them know that these opportunities exist and are real. I personally know 4 people who have been beneficiaries of this scholarship. Without wasting your time, peep the interview below -DA.</blockquote></i><br />
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<b>Tell us about yourself - Educational & Work background </b><br />
I'm a graduate of the "prestigious" University of Lagos Nigeria, where i studied Industrial Relations & Human Resource Management, and also picked up some work experience via internships at Citibank Nigeria & Chevron.<br />
I worked as a teacher (for free) in a public school for my NYSC after which i was at Guinness Nigeria for about 6 months, KPMG for a month, then PwC Nigeria where I had a bulk of my professional experience for about 2 years.<br />
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<b>What is the Total Scholarship all about?</b> <br />
The Total scholarship aims at identifying candidates with the highest potential and supporting them academically (in top schools) to further reach these potentials while exposing them to European values, culture and integrating them with a network of scholars and professionals.<br />
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<b>How did you get to know about the scholarship?</b> <br />
Well this is the strange part and most people do not usually believe, but i never got to know about the scholarship. Sure there were adverts out there, but I just never saw it. So you can guess my surprise when i got an invitation to write the test.<br />
However, I had an unsolicited application in their database which i guess they scanned and identified potential candidates for the program. Most people underestimate the effectiveness of just throwing in unsolicited applications for companies that have that feature in their careers section. Campus France was in charge of those who specifically applied for the program.<br />
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<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEikHTdD5IY0J9xkiE-6UrheODhks9GOFvgYC7aSJV1QGTwx2thYOYVXTDdqf3dOtpkj-YsPzyCvnNKW3Zi5D9C6Vr1wXLgJ9NAOzULI73_cgrh-aFjPKxdxuJgXry35vYKSNBM9XBd2R5A/s1600/Tosin.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEikHTdD5IY0J9xkiE-6UrheODhks9GOFvgYC7aSJV1QGTwx2thYOYVXTDdqf3dOtpkj-YsPzyCvnNKW3Zi5D9C6Vr1wXLgJ9NAOzULI73_cgrh-aFjPKxdxuJgXry35vYKSNBM9XBd2R5A/s320/Tosin.jpg" /></a></div><br />
<b>What was the process like from application to selection?</b> <br />
Unsolicited Application (+Unexpected mail) -> Test -> Panel Interview ->University Applications -> Voila!<br />
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<b>What was the toughest part of the process?</b> <br />
The SHL test. I really thought I had failed that one. I remember sitting in the hall after the exams thinking "why did you fly all the way from Lagos to Port Harcourt to disgrace your people ehn". You had to be lightening fast and very accurate. Well as God will have it, I passed.<br />
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I know a lot of people who hate SHL because they think it's too complex and try to stay away from it. Well you have no choice but to love it. Companies like Guinness, Oando, PwC, NLNG and countless more all use this test to screen away the obviously numerous job applicants<br />
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<b>So what are you currently studying and in which School?</b><br />
I'm studying Strategy & Organisational Consulting at EDHEC Business School.<br />
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<b>What advice do you have for prospective applicants?</b> <br />
If you're in school, you have to give ALL it takes to get a 1st class or a 2'1, It's a very saturated labour market out here. <br />
For those who have crossed that hurdle, ensure you have access to real-time information. We all have smart phones so that should not be too difficult. And lastly, Practice, Practice & Practice. (For tests and interviews). I still practice when i can<br />
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<b>After this, what next?</b> <br />
Look for a nice French wife and settle down. (Just kidding). Maybe I'll keep this part to myself.<br />
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Thank you for your time Tosin. We wish you all the best in your studies and would love to share more of your success.<br />
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For more information about the Total Scholarship, please visit <a href="http://www.ambafrance-ng.org/2014-2015-TOTAL-E-P-Nigeria-Quai-d">here</a><br />
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If you have questions for Tosin, please use the comments section Im sure he would drop by once in a while and answer your questions. You can also follow him on twitter via <a href="https://twitter.com/Tosin_sire">@Tosin_Sire</a>Unknownnoreply@blogger.com3tag:blogger.com,1999:blog-46388446909889774.post-50371427830159475302015-10-01T00:00:00.000+01:002015-10-01T00:00:01.206+01:00Happy 55th Independence Anniversary Nigeria<div dir="ltr" style="text-align: left;" trbidi="on"><br />
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<a href="http://techloy.com/wp-content/uploads/2014/10/luv-nigeria.jpg" imageanchor="1" ><img border="0" src="http://techloy.com/wp-content/uploads/2014/10/luv-nigeria.jpg" /></a><br />
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Green is life, abundant in Nature.<br />
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Green signifies growth, renewal, hope, strength and environmental regeneration.<br />
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With both a warming and cooling effect, the color green denotes balance, harmony and stability.<br />
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In Science - Emerald is Green<br />
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In traffic management - Green is for Go! The permission to proceed<br />
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In agric - we have green pastures, something new or better than status quo<br />
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In Biology - Chlorophyll is Green enabling photosynthesis<br />
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In war - Green camouflages the warrior protecting him from the enemy<br />
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The word GREEN is closely related to the Old English verb GROW <br />
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Green signifies wealth and capitalism<br />
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Green signifies Pan Africanism.<br />
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Happy Independence Day Nigeria!<br />
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-46388446909889774.post-45005341929547584052015-07-30T18:42:00.000+01:002015-07-30T18:43:50.987+01:00Managing Risks - David Apaflo TEDx Unilag<div dir="ltr" style="text-align: left;" trbidi="on"><br />
</div>A few months back I was a guest speaker on <a href="http://www.davidapaflo.com/2015/03/david-apaflo-tedx-unilag.html">TEDx Unilag</a>. <br />
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The video clip is now available please watch below and please drop me your feedback. Thank you.<br />
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<iframe width="560" height="315" src="https://www.youtube.com/embed/oTrVZfgdCck" frameborder="0" allowfullscreen></iframe>Unknownnoreply@blogger.com0