We just dropped a brand-new video on our YouTube Training Series

 Hello Investor 👋,

We just dropped a brand-new video on our YouTube Training Series:

🎯 Topic: Investment Awareness

In this session, you’ll learn:

✅ What investment really means

✅ Why awareness is the first step to financial freedom

✅ Common myths about investing in Nigeria

✅ How to position yourself for opportunities in the Nigerian Stock Market (NGX)

💡 This is the foundation every beginner needs before making money decisions.

👉 Watch here: https://shorturl.at/3AWpA

If you find it helpful:

👍 Like the video

💬 Share your thoughts in the comments

🔔 Subscribe so you don’t miss our next training on Investing Essentials

📲 For personalized guidance or to start investing, call us on 08161102425.

📊 NGX Market Update — Top Gainers & Losers (Sep 22, 2025)

 

Hello Investors,

Here’s how the Nigerian Stock Exchange (NGX) moved today:

🔺 Top Gainers

* **ROYALEX** — ₦2.24 (**+9.80%**)

* **CORNERST** — ₦6.79 (**+9.52%**)

* **NSLTECH** — ₦0.80 (**+6.67%**)

* **CHAMS** — ₦3.29 (**+6.13%**)

* **PRESTIGE** — ₦1.84 (**+5.75%**)

* **DAARCOMM** — ₦1.11 (**+4.72%**)

🔻 Top Losers

* **IKEJAHOTEL** — ₦20.70 (**−9.80%**)

* **FTNCOCOA** — ₦5.50 (**−8.33%**)

* **MCNICHOLS** — ₦3.43 (**−7.30%**)

* **HONYFLOUR** — ₦20.60 (**−6.79%**)

* **AFRIPRUD** — ₦14.95 (**−6.27%**)

* **WAPIC** — ₦3.00 (**−6.25%**)

📌 *Observation*:

Small-cap and mid-cap stocks like **ROYALEX** and **CORNERST** saw strong momentum today. Meanwhile, **Ikeja Hotel** and **FTN Cocoa** recorded steep losses — worth watching for either recovery or further dips.

Join our Telegram channel/Group for more insight and sicussion: 

👉 Channel: \https://shorturl.at/Vauwz

👉Discussion Group (Q\&A & networking): \https://shorturl.at/VcMwP 

👉 Learning Group: \https://shorturl.at/rIq1m

Stocks to Watch on the NGX: Week of September 22, 2025

 

As we step into a new trading week on the Nigerian Exchange (NGX), investors are scanning the market for realistic opportunities — not just hype, but stocks with solid fundamentals and growing momentum.

Here are a few names worth keeping an eye on:

✅ BUA Foods – Consumer staples are showing resilience. BUA Foods remains a strong play as demand for everyday essentials continues to support its growth.

✅ Nigerian Breweries & Guinness – The brewing giants have been active on the gainers’ chart. With consumer spending shifting toward trusted brands, they are positioned to benefit.

✅ Ecobank Transnational (ETI) – Banking stocks have been attracting positive sentiment, and ETI in particular has been drawing strong buy interest.

✅ Sovereign Trust Insurance (SOVRENINS) – Insurance names are becoming more visible on investor radars. This penny stock offers potential upside, though with higher risk.

✅ Legend Internet PLC – For those who can stomach more volatility, this smaller cap stock has been making waves with recent gains.

Why it matters

The Nigerian market is currently shaped by a mix of macro factors — FX moves, inflation trends, and regulatory shifts. In such an environment, balancing **defensive stocks (like consumer staples) with growth or speculative plays (like insurance or tech) may be a smart strategy.

Final thought

This week, don’t just chase momentum. Look for a blend of stability and upside, and always manage your entry and exit carefully.

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👉 For investors who want guidance on how to get started or build a stock portfolio in Nigeria, feel free to reach out.

📞 Call/WhatsApp: 08161102425

Best Insurance Stock Recommendations for 2025

The Nigerian insurance industry is entering a new phase of recapitalisation under NIIRA 2025. Many operators will need to raise additional funds, but a few already stand out with the strength to not only survive but thrive.

Our top two recommendations are AIICO Insurance Plc and NEM Insurance Plc.

• AIICO Insurance Plc: With shareholders’ funds of ₦67.7 billion, AIICO is the largest among listed insurers. Its robust capital base, profitability, and market leadership position it as a resilient and attractive investment.
• NEM Insurance Plc: Backed by ₦65.4 billion in equity, NEM continues to deliver steady profit growth and prudent underwriting, making it one of the most investor-friendly stocks in the sector.

Why these two? Both firms already exceed the recapitalisation thresholds, meaning they face less dilution risk and are well placed to capture growth opportunities as weaker competitors consolidate.

For investors seeking exposure to the Nigerian insurance sector, AIICO and NEM are clear winners for 2025 and beyond.

How to Get Your Tax Identification Number (TIN) in Nigeria Before 2026

Starting January 1, 2026, the Nigerian government will require everyone with a bank account, insurance policy, or investment account to provide a Tax Identification Number (TIN). This is part of the new Nigeria Tax Administration Act, 2025 aimed at improving transparency in the financial system.

The Good News?

Getting a TIN is free and easy. In fact, many Nigerians already have one automatically through their BVN or NIN.

How to Get Your TIN

1. Check if you already have one

   * Visit the [JTB TIN Verification Portal](https://tin.jtb.gov.ng)

   * Enter your BVN and date of birth to confirm.

2. If you don’t have one

   * Go to the [JTB Registration Portal](https://tin.jtb.gov.ng)

   * Select "Register for TIN" (for individuals or businesses).

   * Fill in your details (BVN/NIN, personal info).

   * Submit and download your free TIN certificate.

Why This Matters

Without a valid TIN, from 2026 you won’t be able to use your bank account, invest in the stock market, or access insurance services.

The government has made the process straightforward so everyone can comply well ahead of the deadline. Don’t wait till the last minute—*get your TIN today.

Learn About Stock Trading

A stock, also known as equity, represents ownership in a company, with shares being units of that ownership. To buy and sell shares, investors need a brokerage account and a licensed stockbroker. Dividend income is a portion of a company's profits distributed to shareholders. Common Nigerian stock market myths include the idea that it's a quick path to riches, and that it's too risky for the average investor. 

1. What is a stock?

A stock is a type of security that signifies ownership in a corporation and represents a claim on part of the corporation's assets and earnings, according to Investopedia. 

When you buy a stock, you're essentially buying a fraction of that company. 

There are two main types of stock: common and preferred. Common stock offers voting rights and variable dividends, while preferred stock typically offers fixed dividends and priority in liquidation. 

2. How do I buy & sell shares?

Step 1: Open a brokerage account: You'll need an account with a licensed brokerage firm, either online or through a traditional brokerage. 

Step 2: Choose a stockbroker: If you prefer personalized advice, you can choose a human broker. If you're comfortable making your own decisions, an online broker can be more cost-effective. 

Step 3: Fund your account: Deposit money into your brokerage account to be able to buy shares. 

Step 4: Research and select stocks: Research companies you're interested in, looking at their financial performance, industry outlook, and other relevant information. 

Step 5: Place your order: Use the brokerage platform to place a buy or sell order. You can choose between different order types (e.g., market orders, limit orders) depending on your investment strategy. 

Step 6: Monitor your investments: Keep track of your portfolio's performance and make adjustments as needed. 

3. What is dividend income?

Dividends are payments made by a company to its shareholders, representing a portion of its profits, according to Investopedia.

When a company is profitable, it may choose to distribute some of those profits to shareholders in the form of dividends.

Dividends can be paid out as cash or additional shares.

Dividend payments are typically made on a regular schedule (e.g., quarterly). 

4. Common Nigerian stock market myths:

Myth 1: The stock market is a get-rich-quick scheme:

While it's possible to make significant returns, the stock market is not a guaranteed path to wealth. It requires careful research, patience, and a long-term perspective. 

Myth 2: You need a lot of money to start investing:

You can start investing with small amounts, especially with fractional shares or through investment apps. 

Myth 3: The stock market is too risky for the average investor:

Diversification, research, and a long-term investment strategy can help mitigate risk. There are also low-risk investment options like bonds and mutual funds. 

Myth 4: All stocks are the same:

Different companies have different risk profiles and potential for returns. It's important to research individual stocks and understand their specific characteristics. 

Myth 5: Past performance guarantees future returns:

While historical data can be helpful, it's not a guarantee of future success. Always consider current market conditions and company-specific factors.  

DAILY NEWS FLOW FOR 29TH OF MAY 2025

Daily News Flow – May 29, 2025

Local News

✅ Naira Shows Stability as U.S. Dollar Gains
The Naira maintained stability in the informal market, trading around N1,615–N1,618 per U.S. dollar, while appreciating against other currencies. Market dynamics indicate growing investor confidence in CBN’s ongoing reforms as daily transactions hit an impressive half a billion dollars. Read more

✅ Senate Approves N1.8 Trillion for 2025 FCT Budget
The Federal Capital Territory Administration (FCTA) has received Senate approval for a N1.8 trillion statutory appropriation bill, aimed at funding ongoing projects and key development initiatives. Read more

✅ FG’s Series VI Sukuk Offer Oversubscribed by 735%
The Debt Management Office (DMO) has announced a record N2.205 trillion in subscriptions for the Federal Government’s Sovereign Sukuk program, reflecting 735% oversubscription since its launch in 2017. Read more

✅ Germany Expands Green Hydrogen Collaboration with Nigeria
Germany has committed to expanding technical cooperation with Nigeria on developing a green hydrogen supply chain, covering production, transportation, storage, and utilization. Read more

Company News

💰 Abbey Mortgage Bank to Raise N100 Billion for Commercial Banking Expansion
Abbey Mortgage Bank’s board has approved plans to raise N100 billion to transition from a primary mortgage institution to a regional commercial bank, aligning with CBN’s minimum capital requirement of N50 billion. Read more

⚠️ SEC Warns Against Silverkuun Investment Scheme
The Securities and Exchange Commission (SEC) has flagged Silverkuun Investment Cooperative Society as an unregistered financial scheme, urging investors to exercise caution. Read more

📈 CardinalStone Raises Unilever’s 2025 Target Price to N54.99
CardinalStone has revised Unilever Nigeria Plc’s target price to N54.99, up 18% from previous forecasts. The firm projects a 19.5% share price increase, backed by improved revenue, better cost management, and strengthened cash flow. Read more

International News

🌏 Asia-Pacific Markets Rally as U.S. Court Blocks Trump’s Tariffs
Asia-Pacific stocks surged after a U.S. federal trade court ruled against Trump’s reciprocal tariffs, with South Korea’s Kospi rising 1.89% and Kosdaq climbing 1.03%. Read more

📊 Dow Futures Jump 500 Points as Nvidia Beats Earnings Expectations
Stock futures soared after a court blocked Trump’s tariffs, while Nvidia’s earnings exceeded forecasts, boosting S&P 500 futures by 1.66%, Nasdaq by 2%, and Dow futures by 1.42%. Read more

🏆 Gold Prices Drop After U.S. Court Decision on Tariffs
Gold hit a one-week low, trading at $3,268 an ounce, following a U.S. court ruling against Trump’s Liberation Day tariffs, which weakened its safe-haven appeal. Read more

BREAKING: FG’s Series VI Sukuk Offer Oversubscribed by 735%, Hits Record N2.205 Trillion!

 

 

Nigeria’s capital market has witnessed unprecedented investor confidence, as the Federal Government’s Series VI Sukuk recorded a 735% oversubscription, attracting a record-breaking N2.205 trillion in subscriptions.  

This massive interest highlights the growing appeal of ethical investments and the government’s commitment to infrastructure development**. The funds raised will be used to construct and rehabilitate roads and bridges across Nigeria’s six geopolitical zones and the Federal Capital Territory (FCT).  

Why This Matters for Investors  

✅ Strong Market Confidence: The oversubscription signals high investor trust in Nigeria’s economic reforms.  

✅ Infrastructure Growth: Your investments contribute to nationwide development, improving connectivity and economic activity.  

✅ Stable Returns: Sukuk bonds offer semi-annual income payments, making them a secure investment option.  

📞 Call/WhatsApp +2348161102425 to learn how you can leverage this opportunity and invest in Nigeria’s thriving capital market!   

Why You Should Invest in FCMB Stocks Now

 

The Nigerian stock market is buzzing, and FCMB Group Plc is one of the standout opportunities for investors looking to maximize returns. With a strong financial performance, consistent growth, and strategic expansion, FCMB is positioned for long-term profitability.  

Why Invest in FCMB Now?  

✅ Strong Growth Potential: FCMB’s stock has gained over 43% in the past year, showing resilience and upward momentum.  

✅ Affordable Entry Price: At ₦9.70 per share, FCMB remains undervalued compared to competitors, making it a great buy.  

✅ Dividend Payouts: Investors benefit from consistent dividends, with a recent payout of ₦0.55 per share.  

✅ Expanding Market Presence: FCMB continues to grow its financial services, including **investment banking, asset management, and stockbroking, ensuring diversified revenue streams.  

✅ Strong Financial Performance: The company reported a profit of ₦32.23 billion in Q1 2025, reflecting solid earnings growth.  

How to Get Started  

📞 Call/WhatsApp +2348161102425 for expert guidance on securing your FCMB shares today! Let’s help you maximize your investment potential in Nigeria’s thriving capital market. 🚀 

Navigating Nigeria’s Bullish Market: Why You Should Stay Invested

The Nigerian stock market is experiencing a strong upward trend, with experts forecasting a 39% gain in 2025. Banking stocks, consumer goods, and industrial sectors are leading the charge, fueled by recapitalization efforts and new equity listings. 

As an investor, this is the perfect time to reassess your portfolio and take advantage of the market’s momentum. With six Nigerian stocks already surpassing 20% growth this year, strategic investments could yield impressive returns. 

What Should You Do Next?

- Review Your Portfolio: Ensure your investments align with the current market trends.

- Leverage Expert Insights: Our team is here to provide tailored recommendations.

- Stay Ahead of the Curve: The market is moving fast—don’t miss out on key opportunities.

📞 Call/WhatsApp - +2348161102425 us today to discuss how you can maximize your returns in this bullish market! Let’s make 2025 a year of financial growth. 🚀

"Treasury Bills vs. Commercial Paper: Which is the Smart Money Move?"

         

 There are various money market instruments that have securitized such that investors can invest in them on an arm’s length bases.

Two of these instruments are Treasury Bills and Commercial papers. While these two instruments have many similarities, they also differ is some fundamental ways. Below is a table comparing the two: 

 

FGN Savings Bonds vs. Treasury Bills: Which Is Right for You?

Investing in government securities is one of the safest ways to grow your money, but with options like FGN Savings Bonds and Treasury Bills, it’s important to understand their differences. While both are backed by the Federal Government of Nigeria (FGN), they serve different purposes, have different investment structures, and cater to different types of investors.

So, which one should you consider? Let’s break it down.

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What Are FGN Savings Bonds?

FGN Savings Bonds are designed for individual investors who want a safe, predictable way to earn income. They are issued by the Debt Management Office (DMO) and provide quarterly interest payments, making them great for people who need steady cash flow.

Key Features of FGN Savings Bonds

✔ Tenure: Typically 2 to 3 years
✔ Interest Payments: Paid quarterly (every three months)
✔ Entry Point: Minimum investment of ₦5,000, with increments of ₦1,000
✔ Fixed Returns: The interest rate is fixed, meaning you know exactly how much you’ll earn
✔ Non-Tradable: Once you invest, you hold it until maturity—you can’t sell it on the secondary market

Example of FGN Savings Bond Investment

Let’s say you invest ₦50,000 in a 3-year FGN Savings Bond with an interest rate of 10% per annum.

• You’ll earn ₦5,000 annually, but instead of receiving it all at once, you get ₦1,250 quarterly.
• After 3 years, you’ll receive ₦50,000 back plus all the interest earned over time.

This type of bond is perfect for individual investors, retirees, or anyone looking for a steady source of passive income.

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What Are Treasury Bills?

Treasury Bills (T-Bills) are short-term securities issued by the Central Bank of Nigeria (CBN) to control money supply and raise funds for the government. Unlike FGN Savings Bonds, Treasury Bills do not pay periodic interest—they are sold at a discount, and investors make their profit when the full value is paid at maturity.

Key Features of Treasury Bills

✔ Tenure: Usually 91 days, 182 days, or 364 days
✔ Sold at Discount: Instead of paying interest, T-Bills are sold below face value, and investors earn the difference when it matures
✔ Higher Entry Point: The minimum investment is ₦50 million at auctions, but retail investors can buy smaller units through banks and brokers
✔ Tradable: Investors can sell Treasury Bills on the secondary market before maturity

Example of Treasury Bill Investment

Suppose you buy a ₦1,000,000 Treasury Bill with a discounted price of ₦900,000 and a tenure of 364 days.

• You pay ₦900,000 upfront, and at maturity, the government pays you ₦1,000,000.
• Your profit is ₦100,000, which effectively serves as your interest return.

Treasury Bills are great for institutional investors, companies, and individuals who need quick, secure investment options.

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FGN Savings Bonds vs. Treasury Bills: Quick Comparison

Feature	FGN Savings Bond	Treasury Bill
Tenure	2–3 years	91–364 days
Entry Point	₦5,000+	₦50 million (auction), lower via banks
Interest Payment	Quarterly	Paid at maturity (discount method)
Tradability	Not tradable	Can be sold before maturity
Best For	Individuals, retirees, passive investors	Corporations, institutional investors, short-term investors

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Which One Should You Choose?

• If you want steady quarterly income and a lower entry point, go for FGN Savings Bonds.
• If you prefer short-term gains and liquidity, Treasury Bills are your best bet.

Both options are low-risk investments backed by the Nigerian government, so they’re ideal for preserving wealth.

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Take Action Today!

Investing wisely is key to growing your wealth. Whether you're just starting or looking for ways to diversify your portfolio, government securities like FGN Savings Bonds and Treasury Bills offer safe, guaranteed returns.

👉 Need expert guidance? Reach out on WhatsApp at +2348161102425, and let's help you choose the best investment strategy for your financial goals!

---

FGN Bond vs. FGN Savings Bond: Which One Is Right for You?

If you're looking to invest in Nigerian government securities, you've probably come across two major options: FGN Bonds and FGN Savings Bonds. While they might sound similar, they serve different purposes and cater to different types of investors. Let’s dive in and break them down in the simplest way possible—so that by the end of this article, you’ll know which one fits your financial goals best.

First, What Are Bonds?

Think of bonds as an IOU from the government. When you buy a bond, you're essentially lending money to the government, and in return, they promise to pay you interest over time and return your money at the end of the bond’s term.

Now, let’s compare the two types:

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FGN Bond: For Big Investors and Institutions

FGN Bonds are long-term government securities with maturities ranging from 2 years to 30 years. They are designed for institutional investors, high-net-worth individuals, and those who want to invest large sums.

Key Features of FGN Bonds

• Higher investment amounts: Typically, the minimum investment is ₦50 million for competitive bids in auctions.
• Floating or fixed interest rates: Most FGN Bonds pay semi-annual interest (every six months).
• Tradable on the secondary market: Investors can sell their bonds before maturity on the Nigeria Stock Exchange or FMDQ Securities Exchange.

Example of FGN Bond Investment

Imagine you’re an investment firm with ₦100 million to invest. You purchase an FGN Bond with a 10-year maturity and an 8% annual interest rate. You’ll earn ₦8 million in interest yearly, split into ₦4 million paid every six months. If you need cash before the 10 years are up, you can sell your bond on the secondary market.

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FGN Savings Bond: For Everyday Nigerians

FGN Savings Bonds are designed to be affordable and accessible to regular individuals. They typically have maturities of 2 to 3 years, making them ideal for small investors who want a safe place to grow their money.

Key Features of FGN Savings Bonds

• Low entry point: You can invest with as little as ₦5,000, and additional investments can be made in multiples of ₦1,000.
• Fixed interest rates: Interest is paid quarterly, providing a steady income stream.
• Not tradable: Unlike FGN Bonds, FGN Savings Bonds cannot be sold before maturity.

Example of FGN Savings Bond Investment

Let's say you invest ₦50,000 in a 3-year FGN Savings Bond with an annual interest rate of 10%. That means you’ll earn ₦5,000 per year, but instead of getting it all at once, you’ll receive ₦1,250 every three months. After three years, you’ll also get back your original ₦50,000 investment.

---

So, Which One Should You Choose?

• If you’re an individual looking for a safe investment with a steady income stream, FGN Savings Bond is your best bet.
• If you're an institution or a high-net-worth investor needing higher returns and liquidity, FGN Bonds are a great option.

Both bonds are safe investments, backed by the full faith of the Federal Government of Nigeria. Whether you’re saving for the future or managing large sums of money, these bonds provide a reliable way to grow your wealth.

Take Action Today!

--------------------------------------------------------------------------------

Investing wisely is key to growing your wealth. Whether you're just starting or looking for ways to diversify your portfolio, government securities like FGN Savings Bonds and FGN Bonds offer safe, guaranteed returns.

👉 Need expert guidance? Reach out on WhatsApp at +2348161102425, and let's help you choose the best investment strategy for your financial goals!

"Have you invested in FGN Bonds or FGN Savings Bonds before? What was your experience like?"

Let’s chat in the comments!

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Experience Eternal Transformation with Jesus Christ: Your Spiritual Consultant ! 😊

 Imagine having the Lord Jesus Christ as your spiritual consultant for 365 days—every decision, every challenge, every joy, guided by His eternal wisdom and love. Your life could transform in unimaginable ways!

 1. Finding True Peace and Joy

Jesus said, _"Peace I leave with you; my peace I give you. I do not give to you as the world gives. Do not let your hearts be troubled and do not be afraid."_ - John 14:27. With Him as your guide, you would experience profound peace and joy, even amidst life's storms.

 2. Strength and Courage

In challenging times, you would draw strength from His words: _"I can do all this through Him who gives me strength."_ - Philippians 4:13. No mountain would be too high, no valley too deep with Jesus by your side.

 3. Unconditional Love

You would be enveloped in His unconditional love, knowing that _"Nothing in all creation will be able to separate us from the love of God that is in Christ Jesus our Lord."_ - Romans 8:39. This love would empower you to love others deeply and selflessly.

 4. Wisdom and Guidance

You would receive divine wisdom for every decision: _"If any of you lacks wisdom, you should ask God, who gives generously to all without finding fault, and it will be given to you."_ - James 1:5. Jesus' wisdom would guide you on the path of righteousness and success.

 5. Hope and Purpose

Jesus' presence would fill you with hope and purpose: _"For I know the plans I have for you," declares the Lord, "plans to prosper you and not to harm you, plans to give you hope and a future."_ - Jeremiah 29:11. Your life would be anchored in the eternal promise of a bright future.

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Are you ready to experience this transformation? Accept Jesus Christ as your Lord and Savior today and embark on a journey filled with peace, strength, love, wisdom, and hope. Open your heart to Him and let His grace lead your life.

#JesusSaves #FaithJourney #TransformYourLife #UnconditionalLove #EternalPeace #AcceptJesus

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May your journey with Jesus bring you abundant blessings and joy! 🙏❤️

If you need more guidance or have questions, I'm here to help. 😊

How Your Life Would Improve with The Dalai Lama as a Spiritual Consultant for 365 Days

  Having the Dalai Lama as your spiritual consultant for a whole year would be a life-changing experience. Even without access to his money or network, his wisdom and guidance could profoundly impact various aspects of your life. Here’s how:

Emotional and Mental Well-being

Mindfulness and Peace: The Dalai Lama is a master of mindfulness and inner peace. His teachings on meditation and mindfulness would help you develop a calm and centered mind, reducing stress and anxiety.

Example: Imagine starting each day with a guided meditation led by the Dalai Lama. Over time, this practice would help you stay grounded and approach challenges with a calm, clear mind.

Personal Growth and Development

Compassion and Kindness: His emphasis on compassion and kindness would inspire you to cultivate these qualities in your daily interactions. This would not only improve your relationships but also bring a sense of fulfilment and joy.

Example: You might find yourself volunteering more, helping others, and generally becoming a more empathetic and understanding person.

Perspective on Life

Understanding Impermanence: The Dalai Lama often speaks about the impermanence of life and the importance of living in the moment. This perspective can help you appreciate life’s fleeting moments and let go of unnecessary worries.

Example: Instead of stressing about the future or dwelling on the past, you’d learn to savor each moment, leading to a more content and balanced life.

Resilience and Inner Strength

Facing Adversity with Grace: Drawing from his own experiences, the Dalai Lama would teach you how to face adversity with grace and resilience. His insights on overcoming difficulties can empower you to handle life’s challenges with a positive outlook.

Example: You might find that setbacks and obstacles become opportunities for growth and learning, rather than sources of frustration or despair.

Spiritual Growth

Deepening Your Spiritual Practice: With the Dalai Lama’s guidance, you’d have the opportunity to deepen your spiritual practice, regardless of your religious background. His teachings are universal and can enhance your spiritual journey.

Example: Engaging in regular spiritual practices, like meditation and reflection, would bring a sense of peace, purpose, and connection to something greater than yourself.

Ethical Living

Living with Integrity: The Dalai Lama’s emphasis on ethical living would encourage you to make decisions that align with your values. This integrity in actions and choices would lead to a more harmonious and fulfilling life.

Example: You’d find yourself making more ethical choices, whether in business, personal life, or daily decisions, leading to a greater sense of self-respect and societal contribution.

Conclusion

Summary: With the Dalai Lama as your spiritual consultant, you'd gain invaluable insights into mindfulness, compassion, resilience, and ethical living. These teachings would significantly improve your emotional well-being, personal growth, and overall life satisfaction.

Remember, the journey to a better life begins with a single step. Until next time, stay mindful and live with compassion! 🌟🙏

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Hashtags: #DalaiLama #Mindfulness #SpiritualGrowth #EmotionalWellBeing #Compassion #Resilience #EthicalLiving #PersonalGrowth #Meditation #MindfulLiving

I hope this helps you envision the transformative impact of having the Dalai Lama as your spiritual guide. If you need more insights or assistance, feel free to ask! 😊

How Your Business Could Flourish with Jack Ma as a Mentor for 365 Days

 Imagine having Jack Ma as your mentor for a whole year. No, he's not handing you a blank check or opening his Rolodex of contacts—but don't worry, because his wisdom is worth more than gold! 

 Here's how your business could skyrocket with Jack's mentorship:

Week 1: Vision Like a Hawk

Jack kicks off with a brain-blowing session on vision. He helps you see your business through a crystal-clear lens. By the end of the week, you're plotting world domination (okay, maybe just industry domination) with confidence. #Visionary #BigIdeas

Month 1: Customer Obsession

Get ready to channel your inner Sherlock Holmes! Jack teaches you to understand your customers better than they know themselves. By month’s end, you’re predicting their needs like a psychic. #CustomerFirst #BusinessGrowth

Month 3: Innovate or Hibernate

Jack's mantra: innovate or get left behind. He pushes you to think outside the box—then burn the box. You're now creating products so cool, even your competitors want to buy them. #Innovation #CreativeThinking

Month 6: Fail Fast, Learn Faster

Jack shares his personal failures (yes, even Jack Ma has them!). You're now embracing mistakes as stepping stones and not roadblocks. Failures become your business’s best friends. #FailForward #LessonsLearned

Month 9: Team Power-Up

Jack dives into team dynamics. He turns your team into a super squad ready to tackle any challenge. Think Avengers, but with business suits instead of capes. #Teamwork #Leadership

Month 12: Sustainable Success

The year ends with Jack focusing on long-term success. He teaches you how to build a sustainable, ethical business that not only thrives but also gives back to the community. You’re not just a business person; you’re a business hero. #Sustainability #GiveBack

Now it’s your turn! How do you think Jack Ma could transform your business? Share your thoughts in the comments! Don’t forget to like, comment, and follow for more inspiring stories and tips.** 🙌🌟 #JackMa #BusinessMentor #Entrepreneurship #BusinessSuccess #Leadership #Innovation #CustomerFocus #TeamBuilding

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Here’s to a year of exponential growth and success with Jack Ma's wisdom guiding you! 🚀📈

Warren Buffet as a consultant for 12 months for your Business

 

Having Warren Buffet as a consultant for 12 months could bring tremendous value to your business, even without access to his money or network. Here's how:

1. Strategic Insights:

Warren Buffet's deep understanding of market dynamics, business strategy, and investment principles would provide you with valuable insights. He would likely help you refine your business model, identify growth opportunities, and avoid common pitfalls.

2. Financial Acumen:

With his renowned financial expertise, Buffet could help you optimize your financial management practices. He might advise on budgeting, cost-cutting, and improving financial health to ensure long-term sustainability.

3. Operational Efficiency:

Buffet's focus on efficiency and productivity could lead to significant improvements in your business operations. He could suggest ways to streamline processes, reduce waste, and enhance overall efficiency.

3. Long-term Vision:

Known for his long-term investment philosophy, Buffet would likely encourage you to focus on building a sustainable and profitable business over the long haul, rather than chasing short-term gains.

4. Ethical Leadership:

Buffet's emphasis on ethics and integrity in business would foster a culture of trust and responsibility within your organization. This could improve employee morale, customer loyalty, and your brand reputation.

5. Risk Management:

Buffet is a master of risk assessment and management. He could help you identify potential risks to your business and develop strategies to mitigate them effectively.

6. Branding and Reputation:

With his understanding of market perception and brand value, Buffet could help you enhance your brand's reputation, making it more appealing to customers and stakeholders.

7. Product and Market Analysis:

Buffet's ability to analyse markets and consumer behaviour would be invaluable. He could help you understand your target market better, refine your product offerings, and identify new market opportunities.

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How to earn consistent money from sports betting

 

The ability to have consistency in winning in the sports betting or gambling industry is easy and realistic. As with with every aspect of life, you need to take certain steps to make your dream a reality. It is a known fact that ,to make your dream become a reality , one needs to put in some amount of effort ,otherwise it will just end-up being a wish without any taken action. We have listed below a few realistic steps that needs to be taken by you or anyone who wants to win big in sports betting.

The following steps will help you earn consistently from sports betting.

Make a Decision:

You need to decide on what exactly you want to win and what you willing to put as a wager to get the big amount you want to win(the exact amount win) either daily winning or a one-time big win from betting. Also, you need to decide on the bookmaker you would want use.

You have to choose a bookmaker that gives bigger odds and faster payout of your winnings. The best bookmaker for any bettor now is 1xBet. You can register and create an account with 1xBet by clicking here: https://tinyurl.com/winnerqt

2. Decide on the Winning Frequency

By this i mean how often do you want to win this certain amount. Do you want to win the amount daily , weekly, monthly or maybe you just want a one time big win in sports betting. The decision on the frequency of your wins gives you a goal to work towards. This is good, because , it helps you know when you have arrived at your destination of your goals.

I will recommend using 1xBet to arrived at your desired winning destination.

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3. knowledge of the game

how well do you know sports or whatever the event you want to place a bet on, do you know it so much that, you are to stake your money on it . Are you in touch with the current trends in the various sporting events or leagues? who is or are the league leaders in the various leagues, the top scorer, transfer news, injuries, new coach hire, team with the most goals per game, teams with the most cards , corner kicks, and all other information that will give you an edge before taking the decision to bet on any team or player. You have to be up to speed with the information about the industry you want to invest in. You can get more details with 1xBet statistics for each event. To register as a new member Click here https://tinyurl.com/winnerqt

4. Discipline (self-control)

With the experienced gain from sports blogging and the sports betting industry under my belt, and i can boldly say that, the biggest reason most bettors lose on sports betting is because they lack self-control or we can also, call lack of discipline.This is an ability we all need to develop with practice over time.

It starts with each person understanding his or her personality dynamics, emotions, and how we handle anxiety. Sports betting can sometimes be tensed with suspense of the unknown outcome.

The facts , statistics and all the information we have before any event we want stake on, will still be there , but there is still that element of tension , of what the outcome will be.

you have to be emotionally and mentally stable before deciding to stake on any bet. Sports betting is not about emotions or how you feel about a particular team, whether it be your favourite team or not. This is your earned money (money you’ve worked for), you are about to invest on a team,with the hope of a return in investment (ROI), so there is the need to have some level of self-control.

Do Not Stake based on sentiment or what people say about any team or player. Follow the facts available and follow your instincts. With 1xBet you cannot go wrong on the odds.

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4. Do Your Homework

As with a school homework, do your own research about any team,player or sports you want to stake. Get enough information about the team, now their current form, injuries, transfer news, locker room gossip, as petty as these information might seem, they play a role in affecting the overall outcome of the game. Do your home thoroughly. Research has shown that 1xBet has the best odds for winning and the fastest payout.

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5. Type of tips

you have to know what type of tips works best for you. There are bettors who are very good a certain type tips, like draws, half-time results, e.t.c. you should know what type of tips your are good at.

If you are not so good at any, you can consult tipsters like myself , to be giving your tips daily or weekly at an agreed upon fee. That way you are sure of getting something reliable from a professional source. With the good tips , you can use the bigger odds from 1xBet your chances of winning even more.

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See tips here https://qtscore.com

In conclusion, there are several other factors you might need to consider to ensure your winning big. No matter the factors , it will not be complete when you do not have a bigger and better odds to back your winning. 1xBet gives the biggest odds in the industry , with the fastest payout. You cannot go wrong with 1xBet odds and payout.

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To be teachable, one must be humble

 

We need humility to learn and acquire the knowledge and skill we need to move up the ladder in life.

 In our image-conscious and quick judgement culture today, a lot of us, lack certain basic requirements that will enable us move forward and upward.

 These requirements most often are not acquired academically, they can be gotten from nature and from the simple everyday things in life that we overlook as not being important.

Here are a few practical things we can do to build our humility:

• Learn from Nature:

"Never say there is nothing beautiful in the world anymore. There is always something to make you wonder in the shape of a tree, the trembling of a leaf." 🌿

- Albert Schweitzer

Nature teaches us vital lessons daily. We sometimes need to take a break from the rat race, to just pause and carefully observe the things around you. There are several humbling lessons from nature, that we can learn

• Praying

The focus here is on the act of praying.

Praying means: 

- to make a request in a humble manner

Merriam-Websterhttps://www.merriam-webster.com › dictionary › pray

It takes humility to pray. Personally , I believe in the humbling power of prayer. Praying helps us to come a realization, that as humans we are limited and we cannot accomplish much on our own. In other words prayer acknowledges that God is sovereign and controls all things.

1 Peter 5:6-7

Easy-to-Read Version

6 So be humble under God’s powerful hand. Then he will lift you up when the right time comes.7 Give all your worries to him, because he cares for you.

James 4:10

Easy-to-Read Version

10 Be humble before the Lord, and he will make you great.

 “To be teachable, one must humble.”

. . .to be continued

Why Collaboration is key

 

The year 2022 could not have come at a much better time than this . So much happening all over the world at the same time. Everything seems, to have been staged or planned out by some higher force, superior to  the human race.

The Covid-19 pandemic still on going , with new variants springing up; the Russia planned invasion of Ukraine; the political issues in some African countries; the Middle east with her own share of trouble and the list goes on and on. There Is never a dull moment with the human race.

We humans, always and somehow find a way to solve our challenges and evolve to something higher. The survival instinct in humans , has been the major factor why humans have always had the upper hand, despite the challenges we face.

 

Our collaborative effort always comes to play and helps us deal with challenges despite our race, colour, language, geographical location and more.

This, has made it possible for the human race , to most often find solutions to the challenges common to all.

 

Collaborating makes you work together with people from different different background, who have different experiences, skill sets, knowledge and perspectives, in order to accomplish goals that benefits everyone.

According to the Cambridge dictionary, Collaboration is defined as,”the act of working together with other people or organizations to create or achieve something.”

 

Why the Need for Collaboration

 

Collaborations helps :

l with the sharing of knowledge and resources

l with sharing of skills and networking with others

l with a cost effective way doing things and achieving objectives for organizations and individuals

l boost creativity

l builds team work and spirit

How Do you Collaborate?

How you collaborate depends on certain factors that may be peculiar to own situation or circumstances. There are no laid down rules or guide on how to collaborate. Its advisable to at least :

1. Define the purpose of the collaboration: this will help you stay focus on the objective and asses progress made as you go on

2. Involve the right people: it is a common knowledge that involving the right people with make the collaboration effective

3. Encourage a collaborative attitude: attitude is everything, it can make or break the collaborative efforts.You will do well keep a positive and encouraging collaborative attitude at all times. This will greatly help achieve the desired results of the collaboration faster.

4. Decide on the type of collaboration you want: this means deciding if you need the collaboration to be an open or a closed collaboration.

Open collaborations involves people across all sphere of the business or subject matter for which the collaboration is about. Here you will have experts and non experts sharing their ideas, knowledge,experience and everything that as it relates with the issue

Closed Collaboration involved on the people with expertise on the issue or subject matter.

5. Outline the benefits: there is need to let your collaborative partners know the benefits they stand to gain from the collaboration. A lot people have very busy schedules and would not want to waste their precious time and effort on a course they do not what the benefits are. An outlined shared benefits with the collaborators with help clear any doubts and encourage coming on-board

There are several other informations and tips to share on the subject collaboration and its benefits, plus its pitfalls. This will be covered in subsequent titles, for now we hope you have been to learn a little about collaborations and its benefits.

 

. . .to be continued                          qtscore.com