MONEY,WEALTH AND COMMON SENSE FOR NIGERIAN SECONDARY SCHOOL STUDENTS

WHAT NIGERIAN SECONDARY SCHOOL STUDENTS SHOULD KNOW ABOUT MONEY,WEALTH AND COMMON SENSE (2)

(FROM A LECTURE DELIVERED AT A SUMMER SCHOOL IN MASON COLLEGE FESTAC)

C.SECRETS TO BEING WEALTHY AND PROSPEROUS

There are three basic secrets that makes those rich, richer. These are:

(a)    Recognition of Seeds Time and Harvest Time

(b)   Distinction between Seeds and Fruits

(c)   Replenishment of the "earth".

Simply put they mean...

(a) SEEDS TIME AND HARVEST TIME

Whatever you sow you reap. The seeds of a rich man is MONEY he invests it.

(b) SEEDS AND FRUITS

Fruits are for eating and seeds are for sowing. The rich man separates his seeds from his fruits. He sows the seeds and eats the fruits. The money you receive even when you are young is also made up of seeds and fruits. Don’t spend all the money your parents give you. Either save them at home or ask them to open a saving account for you. For every money you receive whether it is pocket money or money for your break period first remove a part of it no matter how small and save it whether it is N10 or N100. That is what  rich men do. They are investors while poor men are spenders. Obey God by replanting seeds. Money can be planted. Money is the seed, investment is the tree and profit is the fruit. This is why JEWS always prosper all over the world. The owner of Mega Plaza is Jewish. Also remember that Joseph in Egypt gave seed (not food) to the people to sow on the land (Gen 47 23:24).

Even if you earn salaries, it is the same. Give God your tithe out of your increase (profit) and he will multiply your harvest. If you eat the tithe life will become tight for you. Out of the balance set aside another for investment or for a rainy day.

[caption id="attachment_7849" align="aligncenter" width="500"] you would be wealthier if you stop acting rich[/caption]

(c) REPLENISH  THE EARTH

God said man should multiply and replenish the earth. Out of the balance set aside after paying the tithe, you should support fellow human beings. The poor, the widow. You must also support good causes to make life easier for other human beings, animals, plants, the environment etc.

(d)  OTHER IMPORTANT PRINCIPLES

 (i)Remember  capital is made up of  80% IDEA and 20% CASH. You can start business with whatever you have. Even if you lost your initial capital, don’t be discouraged.

(ii) Have something for sale always – skills, goods or services.

(iii). Sell your personal property only if the cash you will get will be another investment capital.

(D)   PURPOSE OF MONEY AND COMMON SENSE LECTURE

 You might be wondering why we need to teach you money sense at your stages in life. You might be wondering “why do I need this since my parents are still fending for me”. The reasons are not far-fetched. Through this lecture/write-up, we have tried to use the scriptures to inform you that

(i)   There are opportunities that you can make use of even within a poor environment e.g the need for mass transportation and dignified housing in a place like Ajegunle.

(ii)   God is not against rich people but against those who do not use their wealth for the benefit of fellow human beings.

(iII)   God also want those who profit to sow seeds from their venture in His house.

(Iv)    You must start to apply common sense even to the daily or weekly pocket money or termly allowance you take to school.

(v)   Above all, your parents will be happier and grateful to God if you are a child filled with wisdom on how to manage personal and family finances and who gives a helping hand to the Household of God.

(E) QUIZ COMPETITION/GAME ON MONEY END COMMON SENSE

Quiz will cover

(i)    Actual questions from write-up

(ii)   Inferential questions from write-up (answers not directly from write-up but derivable from it).

(iii)    Money instruments, banking and other financial institutions.

(iv)   Other common sense business practices (setting up business, location of business).

(v)   Students Companion (as it relates to money etc).

(vi)     The Bible/ The Quran

(vii)    Economics/Accounting/Commerce/Business Studies.

(viii)   Financial concepts such as prudence, income, interest, expenses, profit, tithe, savings, venture, budget, cash flow, balance, assets, liabilities, investment, stocks & shares, debt, credit, giving, donation, deposit etc.

    Quiz competition shall be a mixture of “Who Wants To Be A Millionaire”?. “Snake and Ladder”, and “Monopoly” games......etc.

EDUPEDIA IS WILLING TO CONDUCT THIS QUIZ COMPETITION FOR ANY SCHOOL AS A PREMIUM-LEVEL SERVICE

Thank you.

THE 10 CHARACTERISTICS OF A POOR MAN... A MESSAGE TO NIGERIAN SECONDARY SCHOOL STUDENTS

WHAT NIGERIAN SECONDARY SCHOOL STUDENTS SHOULD KNOW ABOUT MONEY,WEALTH AND COMMON SENSE (1)

(FROM A LECTURE DELIVERED AT A SUMMER SCHOOL IN MASON COLLEGE FESTAC)

A.INTRODUCTION

1. The Dictionary definition of WEALTH is “riches, being rich or being abundant”. On the other hand COMMON SENSE means having sound practical thoughts and habits (OXFORD).On its own, wealth is nothing except it brings happiness to its owner. Unfortunately it does not always do so. The great American billionaire, Rockefeller said wealth did not bring him happiness and that he was happier when he was a mechanic. In fact the scriptures say it is harder for a rich person to get to heaven than for a camel to go through the eye of a needle. (Mathew 19:24).

2. The purpose of our discussion today is to get briefed on what we can do to be prosperous and thereafter know what to do with that prosperity- right from our youth.

3. The common sense for wealth management can be smmarized in the following words LEARNING, EMPLOYMENT, ACCUMULATION, SAVINGS, ENGAGEMENT (LEASE or lease of life).

a. LEARNING – Get “complete” education. Learn about financial concepts too.

b. EMPLOYMENT – Seek for a job or be self-employed in an environment that is natural with you.

c. ACCUMULATION --- Work hard to make progress in whatever you do. Keep close to God in all things. Promotion, progress and riches shall follow.

d. SAVINGS –Don’t spend all your income. Save part of it and invest it for future income.

e. ENGAGE – Use your wealth for Gods work, your family and fellow human beings. Don’t let the wealth be your master.

B. THE 10 CHARACTERISTICS OF A POOR MAN STUDENTS SHOULD AVOID FROM YOUTH

 A poor and unhappy man can be said to be a person who does not use the common sense principles of LEASE. Here are the characteristics of a poor man.

a. THOUGHTS: The poor man always think small forgetting that everything we see on earth the land, tree, moon, stars, the air are the products of the thought of God. If you think great you will do great things. “Small Thinking” is the root cause of poverty. As a man thinks so is he. God’s thoughts are so powerful that He thought of the star and the moon and spoke them into existence. Because of the power of His thoughts he did not need any labor to put them into existence. We should also remember that God created us in His image and decreed a lot of power into us.

b. UNBELIEF:  The poor man is a chronic unbeliever. He does not believe in himself or in other people. The government or the economy. He does not even believe in God’s ability and willingness to provide for him.

c. OPINION:  To the poor man money is evil. He thinks to be rich is sin. He thinks all rich men are crooks. He thinks riches bring trouble. He knows why it is not good to be rich. He even hates rich people.

d. SPEECH: The poor man speaks negative words, curses everyone and everything. He talks lack and want all the time. He will give you reason all the time why he cannot improve his situation. He will say all the time that “Nigeria don spoil” But the Lord says out of the abundance of the heart the mouth speaks. With his mouth confession is made into perpetual poverty.

e. VISION: The poor man has no good plan for tomorrow. He has no provision for education, more income and even the training of his children. On a dark night he will see darkness only, whereas the rich man will notice any  brilliant star in the dark.

f. ACTIVITY: The poor man is a loafer. When he works he does not do it well. He works hard instead of working smart and he remains at work for ever. He is always looking for fortune through pools, gambling and 419.

g. ASSOCIATION: His friends are birds of the same feather. They are found in poor places. Poor eating places, poor neighborhoods. There they smoke, drink and sometimes quarrel on the streets or with their wives or their neighbors. Many of them plan evil together such as robbery, rape and fraud.

h. FALSE LIVING: Sometimes the poor man likes to talk and behave like a rich man. He buys food on credit and rides cars he cannot support or maintain. He also borrows dresses only the rich can wear. He is a name-dropper of uncles, friends, father and mother. He is usually fake.

[caption id="attachment_7844" align="aligncenter" width="400"] proverbs-1-6-06[/caption]

i. QUITTER: He is always a quitter. He tries but always stop midway. Quitters never win.

j. MONEY: Poor men are riotous spenders. They have no respect for money. Give them some money they will go wild. Wives, women, weed, gambling and liquor will snatch the money from them. Even the way they squeeze money is unbelievable. Have you ever seen how taxi drivers and petty traders handle money? They squeeze, rumple and tear money like rags. If you are money will you like to come back to them? Money usually reject those who have no respect for it.

CONCLUSIONS
1. Start your day with praises, prayers and thanksgiving to God to claim new blessings each day.
2. Have absolute faith in God for provisions.
3. At your work see yourself as the ambassador of God and not that of your boss. Don’t pay attention to those who say “Is this your father’s job?” Regard God as your employer.
4. Never squeeze money. Plan for money through a budget before it gets to you. Save money and invest money.
5. When you are wealthy minister and inspire others with your words and wealth. Be a financial prophet of God.
6. Be real, don’t fake your living.

TO BE CONTINUED

IRRESPONSIBLE JOURNALISM!...FG HAS NO POWER TO SCRAP JAMB OR NECO WITHOUT THE NATIONAL ASSEMBLY!

HERE IS THE REPORT IN TODAY'S VANGUARD NEWSPAPER

"FG to scrap JAMB exam, NECO, NAPEP"

ABUJA—The Federal Government is scrapping the National Examinations Council, NECO, and the National Poverty Eradication Programme, NAPEP among other government agencies. It is also divesting the Joint Admissions and Matriculations Board of powers to conduct examinations into tertiary institutions in the country.

 

The government is taking the decision in order to streamline agencies of government and reduce the cost of governance.

The decision, Vanguard gathered is part of the recommendations of the Steve Oronsaye Panel Report on the reform of government agencies and ministries.

The Oronsaye Committee Recommendations

Mr Oronsaye who was the former Head of the Civil Service of the Federation recommended the abolition of 38 agencies, merger of 52 and reversal of 14 to departments in ministries.

According to the white paper, which was drafted by a committee headed by the Attorney General of the Federation, Mohammed Adoke, the Joint Admission and Matriculations Board would be divested of the powers to conduct matriculation examinations into tertiary institutions while universities would be allowed to conduct their entrance examinations to students.

Although the JAMB would not be scrapped, it would be a mere administrative structure that would set standard for minimum requirements on how  the various universities would conduct entrance examinations.

JAMB to be re-modelled

JAMB will be modelled along same line with the body in the United States of America which sets standards for admissions into institutions of higher learning.

Other decisions taken by government on the Oronsaye committee include the scrapping of the National Examinations Council, NECO, the National Poverty Eradication Programme, NAPEP, and the National Complaints commission.

The report seen by Vanguard, recommended that the functions of NECO would be assumed by the West African Examinations Council, WAEC, which will also take over the structures of NECO nationwide.

In order to make up for the deluge of students who sit for the external examinations of Neco, WAEC would be expected to conduct two external examinations, one in January and another in November for external students while still running its internal examination programmes for secondary school students.

Under the proposal, the National Poverty Eradication Programme would be replaced by an agency called National Agency for Job Creation and Empowerment (NAJCE) while the National Complaints Commission will be merged with the National Human Rights Commission.

The Government rejected the recommendation urgung the scrapping of the Economic and Financial Crimes Commission, the Independent Corrupt Practices Commission and the Ministry of Police Affairs, saying it would be counter productive.

A member of the committee told Vanguard that the decision was preparatory to government’s plans to overhaul major sectors in the country.

“JAMB will be divested of the admission provision. It will no longer conduct examinations but will be a clearing house. Every school will admit its students.

“Neco will be scrapped and its infrastructure will be merged with that of the West African Examination Council (waec).

“Universities will be allowed to set their standards but jamb will set the minimum standard for admission into all tertiary institutions” the source said.

Several efforts to reach the Special Adviser to the President on Media and Publicity failed as he did not pick his phones as at the time of this report.

It will be recalled that the Oronsaye report stated that the average cost of governance in Nigeria is believed to rank among the highest in the world.

Oronsaye said in his report that “there are 541 Government Parastatals, Commissions and Agencies (statutory and non-statutory).

“Going by the recommendations of the Committee, the figure of statutory agencies is being proposed for reduction to 161 from the current figure of 263.

“The Committee believes that if the cost of governance must be brought down, then both the Legislature and Judiciary must make spirited efforts at reducing their running costs…

By Ben Agande

AND HERE IS OUR OPINION PUBLISHED IN THE ONLINE EDITION OF THE NEWSPAPER

"..these are only "recommendations"... right?...was Neco not set up by statute?...i doubt if Neco can be dealt with without the national assembly...furthermore do we remember that Neco was set up by the north as a political counterpoint to Waec so to speak?...and by the way has the north cancelled its own jamb called ijmb?...no matter how good or bad some of these organizations are these "recommendations" do not appear plausible or far-reaching enough as published...educational reorganization affecting millions of Nigerian children should not be based on the objectives of a merger committee...i wonder why vanguard did not have any comment from the National Advisory Council on Education or the Federal Ministry of Education..."

http://www.vanguardngr.com/2013/04/fg-to-scrap-jamb-exam-neco-napep/

WAS SHAKESPEARE A TAX DODGER OR A RUTHLESS BUSINESSMAN WHO SCAMMED HIS NEIGHBORS?

Study shows Shakespeare as ruthless businessman

Hoarder, moneylender, tax dodger — it's not how we usually think of William Shakespeare..
But we should, according to a group of academics who say the Bard was a ruthless businessman who grew wealthy dealing in grain during a time of famine.

Researchers from Aberystwyth University in Wales argue that we can't fully understand Shakespeare unless we study his often-overlooked business savvy.

"Shakespeare the grain-hoarder has been redacted from history so that Shakespeare the creative genius could be born," the researchers say in a paper due to be delivered at the Hay literary festival in Wales in May.

Jayne Archer, a lecturer in medieval and Renaissance literature at Aberystwyth, said that oversight is the product of "a willful ignorance on behalf of critics and scholars who I think — perhaps through snobbery — cannot countenance the idea of a creative genius also being motivated by self-interest."

Archer and her colleagues Howard Thomas and Richard Marggraf Turley combed through historical archives to uncover details of the playwright's parallel life as a grain merchant and property owner in the town of Stratford-upon-Avon whose practices sometimes brought him into conflict with the law.

"Over a 15-year period he purchased and stored grain, malt and barley for resale at inflated prices to his neighbors and local tradesmen," they wrote, adding that Shakespeare "pursued those who could not (or would not) pay him in full for these staples and used the profits to further his own money-lending activities."

He was pursued by the authorities for tax evasion, and in 1598 was prosecuted for hoarding grain during a time of shortage.

The charge sheet against Shakespeare was not entirely unknown, though it may come as shock to some literature lovers. But the authors argue that modern readers and scholars are out of touch with the harsh realities the writer and his contemporaries faced.

He lived and wrote in the late 16th and early 17th centuries, during a period known as the "Little Ice Age," when unusual cold and heavy rain caused poor harvests and food shortages.

"I think now we have a rather rarefied idea of writers and artists as people who are disconnected from the everyday concerns of their contemporaries," Archer said. "But for most writers for most of history, hunger has been a major concern — and it has been as creatively energizing as any other force."

She argues that knowledge of the era's food insecurity can cast new light on Shakespeare's plays, including "Coriolanus," which is set in an ancient Rome wracked by famine. The food protests in the play can be seen to echo the real-life 1607 uprising of peasants in the English Midlands, where Shakespeare lived.

Shakespeare scholar Jonathan Bate told the Sunday Times newspaper that Archer and her colleagues had done valuable work, saying their research had "given new force to an old argument about the contemporaneity of the protests over grain-hoarding in 'Coriolanus.'"

Archer said famine also informs "King Lear," in which an aging monarch's unjust distribution of his land among his three daughters sparks war.

"In the play there is a very subtle depiction of how dividing up land also involves impacts on the distribution of food," Archer said.

Archer said the idea of Shakespeare as a hardheaded businessman may not fit with romantic notions of the sensitive artist, but we shouldn't judge him too harshly. Hoarding grain was his way of ensuring that his family and neighbors would not go hungry if a harvest failed.

"Remembering Shakespeare as a man of hunger makes him much more human, much more understandable, much more complex," she said.

"He would not have thought of himself first and foremost as a writer. Possibly as an actor — but first and foremost as a good father, a good husband and a good citizen to the people of Stratford."

She said the playwright's funeral monument in Stratford's Holy Trinity Church reflected this. The original monument erected after his death in 1616 showed Shakespeare holding a sack of grain. In the 18th century, it was replaced with a more "writerly" memorial depicting Shakespeare with a tasseled cushion and a quill pen.

By JILL LAWLESS | Associated Press

 

20 EXAMPLES OF BAD WEB DESIGNS!

APOLOGIES ALL ROUND!

There is Yin and Yang, Black and White, Hot and Cold and unfortunately…Good Design and Bad Design. Since there must be a balance in the Universe, good design can`t exist alone. Below you can see 20 examples of very bad web design.

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Written by Bogdan/topdesignmag.com