Category Archives: Business

3 Skills That Has Made Most People Billionaires

This post is practically tailored to all those who believe that getting an administrative job in a company is their life ambition to become rich.I will be listing out the several top skills that have created millionaires in the world today. This shouldn’t be rocket science because the process has always been the same.- Get a skill
– Perfect it
– Find a problem that your skill can solve
– Create a solution using the skill you have
– Market it very well
– Become rich.Is becoming rich difficult? Hell No. The only difficult part of this process is the first. “Getting a skill”After a point in time, I stopped replying those who asked me questions like“Please, how do I make money?”The reason is that they always fail to answer the corresponding question which is“What can you do?”I will list out the top skills that have created millionaires, so I advise you now to learn it and start making your money.Are we trying to copy them?NO! These skills might look saturated outside the shores of this country, but right here, it remains a goldmine.The average starting salary of a programmer in Nigeria is 200k monthly, which other skill can give you that?This post was written by Chinedu Okezie, a Senior Android Developer with an IT firm in Lagos. I recommend this IT Institute for those interested in learning any of the skills I am about to list.Let’s not digress further.What are the top skills that have created millionaires?

1. Programming: Case study ==> Mark Zuckerberg (Web Development, Mobile App Development)

He was born in 1984. At 10 years old, he sees his father’s computer and learns to use it. At 11 years, he hires a programming tutor to help teach him. He starts reading a programming book called C++ for dummies.With help from his friend D’Angelo, he starts perfecting his programming skills. He goes ahead to design a program that learns your music taste. Microsoft offers him $1 Million, and he turns it down.He helps a firm (Winklevosse) design a dating site, after which he designs within a week. He gets $10 Million offer for Facebook and turns it down. He drops out of Harvard and moves to silicon valley.He gets another offer of $1.5Billion from Viacom and turns it down again.He gets another $1Billion offer from Yahoo and turns it down again.Microsoft offers him $15 Billion for Facebook, Mark turns it down.The first programmer he hired worked for just a week and left to open his own million dollars business named “Youtube”Today, Mark Zuckerberg is among the 10 richest men in the world. Does it work for just whites?We have the owners of VougePay in Nigeria, PayDirect, and several other businesses in Nigeria. (Infographics and other relevant links are on the blog. You can visit using the link at the end of this post)

2. Digital Marketing: Case Study ==> John Chow

This is one skill that has created more millionaires in Nigeria after politics. Thousands of youth in Nigeria has made so much money from practising digital marketing. As long as you surf the internet, you are making people rich.Due to non-availability of details about our Nigerian Digital Marketing Millionaires, I will use John Chow as a simple example.- Born in 1965 in China
– Moved to Canada with his parents at age 7
– Started his online business in his teenage age
– Dived into Digital Marketing
– Created several online businesses like,,,
– The moment he made money with Digital Marketing, he diversified his assets into other profitable ventures like real estate, stocks, bonds, etc.Does it also work in Nigeria? Yes!!! People like Tobi Ashendi, Mr Alabi of Alabian Solutions, and several others.

3. Software Development: Case Study ==> Jeff Bezos

If you have ever heard of Amazon before, it was a simple software development skill that made its owner a multi Billionaire. Here is his short Biography- Born on January 12, 1964
– Had an early love for computers and studied computer science at Princeton University
– After he quit his job in 1994, he decided to explore the untapped internet world.
– He set up his company in a garage along with a few employees and started developing software.
– They expanded operations, and eventually developed a test site
– After series of tests, Bezos opened in 1995.
– The success of Amazon (An initial test site) developed by Bezos was considered meteoric.

3 Business You Can Start with as low as $20 an earn millions

You may probably have a business sense but don’t have the capital needed to start up a business. Here are 3 businesses that you can start with a little capital, as low as $20 dollar. Here they are:

1. Cleaning Business

You can start this business by getting your materials ready such as cleaning mops, bucket and so on. You’ll purchase these items with your start-up capital and expand as you progress in the business. Advertise yourself or your brand on social media, you will be getting customers. You can charge up to $100 dollar per cleaning depending on the apartment size, with regular cleaning per day you can earn up to $1000 dollar in less than a month.

2. Sell your advice

You can sell your advice to people in need or people in big problem. Advice people on how to escape their problems or hard time. The more you Enlighten people the more money you get. You can charge at least $10 dollar per advice, with these you can $1000 in less than a month.

3. Mini Importation

You can import goods from China and sell to people. A lot of things are cheap over there which is why you can start with $20 dollar. You can import clothes, shoes, bags, slippers, wrist watch and so on. You can advertise your product online Sell it in reasonable price and your business will expand. With these you can earn as much as possible.

Remember that determination is the key to success

US blacklisting of Huawei is failing to halt company’s growth

In the days after the US government said it would ban Huawei Technologies from buying vital American components, the Chinese company’s founder, Ren Zhengfei, pulled together an emergency meeting of his top lieutenants at its headquarters in Shenzhen.

In a large conference room, the billionaire asked for a report from the head of each business unit on how they would be affected by the Trump administration’s ban, which blocks US companies from supplying everything from semiconductors to software. Their assessments were dire. “We thought we had lost the world,” said Will Zhang, who attended as president of corporate strategy.


It turns out they were far too pessimistic. Huawei recorded an 18% rise in sales to a new high of 850-billion yuan (US$122-billion) last year, although that was down from about 23% in the first half and missed its own internal targets. Company projections for 2020 are similar. Huawei holds the enviable position of being the world’s largest supplier of communications equipment to telecoms operators and the largest smartphone maker globally after Samsung Electronics.

Huawei isn’t just surviving; it’s actually thriving in some areas. The question is for how long. Last week, executives warned in a New Year’s memo that survival itself is a priority, urging employees to brace for a difficult 2020. Inventories stockpiled months in advance of the May blacklisting are drying up. The company can no longer count on momentum alone to drive the business, rotating chairman Eric Xu warned.

How Huawei survived the US blacklisting could prove a case study in unintended consequences and a vast shift underway in global IT production. Huawei is a big customer for all of its suppliers, and a few actually cut ties after the blacklisting.

Others lost out to rivals in Japan and South Korea. But American companies with extensive global operations, including Microsoft and chip maker Micron Technology, found legal ways around the ban, leaning on production outside the US so Huawei-destined products wouldn’t be hit. Huawei itself put armies of engineers to work redesigning products to reduce its reliance on American parts.

Source: Techcentral

Top 10 Best Banks In Nigeria

So, which among these Nigerian banks is best to open a savings or current account with and save your hard earned money in?

Using various reviews and experience, we shall list 10 best banks in Nigeria that you can trust to save your funds in, be you a civil servant, business man, student, trader, etc.

Here are Top 10 Best Banks in Nigeria:


10. Polaris Bank

Polaris Bank is one of the largest Nigerian Banks with assets totaling about $4 billion. Based on customers reviews, they have proven to be among the top ten banks to open an account with in Nigeria.
Formerly Skye Bank, this financial institution is currently quoted on the Nigerian Stock Exchange (NSE) and have presence in other African countries such as Sierra Leone, the Republic of Guinea, Angola and Liberia.


9. Fidelity Bank

Fidelity is another reliable Nigerian bank that has come a long way in maintaining its reputation among Nigerians and in the banking industry. With over 2.5 million customers patronizing this bank, it is impossible to not notice them. What we know is that they are popular among market women.
This licensed bank was established in 1988 and has assets worth over $6.51 billion. Fidelity Bank has promoted the corporate banking sectors as well as Micro Small and Medium Enterprises (MSMEs). The increase in savings deposits over the last three years via their mobile and internet banking products, shows that their retail digital banking service is one of the best.


8. Union Bank of Nigeria

Union Bank of Nigeria, one of the oldest commercial banks in Nigeria was established in 1917 as a top financial institution to cater for small, medium sized companies, and major corporations. Ranked among the richest banks in the country with an asset base of $6.8 billion, UBN has cemented trust among Nigerians.
This bank is good for opening a savings account as a student or civil servant in the country. They also offer loan services to their customers with low interest rate. One thing I am sure of is that they are one of the highest paying banks in Nigeria this 2020.
With over 400 Union Bank branches scattered around every state in the country, you can easily walk into any of these branches an either open a current, savings or even domiciliary account. Their ATM service is also available 24/7.


7. Access Bank Nigeria PLC

Access bank is another customer friendly Nigerian bank ranked among the best to bank with. With their recent acquiring of Diamond bank PLC, they have even gotten stronger and are one of the few banks in Nigeria with the largest customer base.
Access bank Nigeria began operations in 1989 with license to operate as a financial institution from the Central Bank of Nigeria. The bank plans to be a leader in the Nigerian banking industry in the nearest future. To prove this, Access Bank acquired Diamond and Intercontinental Banks respectively and have the highest number of ATMs across the country for easy day to day transactions.


6. United Bank for Africa (UBA)

UBA is one of the best banks in Nigeria that provides real digital banking service at its peak. They have one of the best customer care service and would respond well to any of your queries until you are satisfied.
With over 500 branches across the continent and 10 million customers in Nigeria, UBA is a trustworthy bank to save your money in. The bank charges are less when compared to other new generation commercial banks. UBA is also worth $13.2 billion in terms of acquired assets.

Read Also: List of all Nigeria Bank Transfer Codes

5. Ecobank Nigeria

Ecobank Nigeria, is another old commercial bank operating in Nigeria with many branches all over the country. Most military officers prefer using this bank to open a salary account as well as civil servants.
Ecobank operates in 32 countries with its headquarters in Lome. This financial institution offers banking services such as wholesale, retail, loans, savings, investments, debit and credit cards, corporate, investment and transaction banking services to their customers.


4. First Bank of Nigeria

Aside from being the oldest financial institution in the country, First Bank is among the top 10 best banks in Nigeria to open a savings account with. They are a leading company worth $21.3 billion in total assets.
First bank was established in 1894 and is Nigeria’s oldest bank. The Banker magazine of the Financial Times Group awarded First Bank as “The Best Bank Brand in Nigeria” for five solid years in a row (2011, 2012, 2013, 2014 and 2015).


3. Keystone Bank Limited

Keystone Bank is one of the new generation banks worth mentioning on this list. They offer banking services not only to large corporations, but to public institutions, SMEs and individuals.
Keystone Bank Limited was issued commercial banking license by the Central Bank of Nigeria (CBN). They also acquired Bank PHB after the CBN revoked their license, making this financial institution one of the largest financial services providers in Nigeria.


2. Zenith Bank Nigeria

Zenith Bank PLC is another top licensed commercial bank providing financial services not only in Nigeria but also in West Africa. Established in 1990, this institution was listed on the Nigerian Stock Exchange (NSE) and is also Nigeria’s biggest bank by tier-1 capital with worth over $850 million in shares.
Zenith Bank financial services ranges from Pension Management, Corporate and Investment Banking, Commercial and Consumer Banking, Personal and Private Banking, Trade Services and Foreign Exchange, Treasury and Cash Management Services, etc. They are also one of the richest banks in Nigeria with asset estimated to be worth $15.7 billion in total.


1. Guaranty Trust Bank

Guaranty Trust Bank or GTBank is the best bank in Nigeria today when it comes to banking service and customer relations. They are a customer friendly bank with a trusted reputation.Reviews show that GTBank is the bank almost every Nigerian patronizes.
With an asset totaling $11.77 trillion, its hard to see other players in the banking industry beat this bank as it is one of the largest financial institutions in the whole of West Africa.

Credit: infopedia

RECENTLY DEATH: So Sad!! – French Football Star Dies In Car Accident

List of All Nigeria Bank Transfer Codes

Here you will learn how to transfer cash easily and all the Nigeria’s bank transfer code and how to use it. Banking in Nigeria has been made easy, smart and efficient. The bank transfer code is for every bank, and everyone that owns accounts for each bank.


All Nigeria Bank Transfer Codes

1. GTB=(*737#)

2. Fidelity Bank=(*770#)

3. First Bank=(*894#)

4. Sterling Bank=(*822#)

5. Skye Bank=(*833#)

6. UBA=(*919#)

7. EcoBank=(*326#)

8. Zenith Bank=(*966#)

9. Stanbic Bank=(*909#)

10. Access Bank Bank=(*901#)

11. Wema Bank=(*945#)

12. Diamond Bank=(*426#)

13. Unity Bank=(*389 *215#)

14. Heritage Bank= (*322#)

15. KeyStone Bank =(*322 *082#)

16. Union = (*389 *038#)

17. Fcmb =(*329#) or _(*389 *214#)

18. EcoBank = (*326# )

It easy and short, if you want to transfer, look above and find your bank then dial the code and follow the procedures.

9 True Legit Ways To Get $2000 In Less Than A Month ( No. 4 and 5 is Extraordinary )

So many people have been searching for how to earn money online. Here you will learn the 9 extra-ordinary ways on how to earn $1000 in less than a week.


1. Sell An Online Course

You have a lot of knowledge floating around in your head, and you shouldn’t take it for granted. Instead, you can put it to work for you and let it help you earn money. Consider the following ideas for selling what you know.
Using Patreon or a platform like Teachable, you can build an online course and charge for the privilege of taking it.

What can it be about? Absolutely anything you have knowledge and understanding. Some of the possibilities include cooking, coding, art history, math topics, traveling on a shoestring budget, keeping a house clean, and training a dog.There is a huge market for teaching people the basics of playing an instrument, learning a language, or financial discipline. You can teach almost anything.

You might not make close to that, but earning $1,000 in a month is achievable if you have great content and a little bit of technical savvy.


2. Clean Houses

If you like to clean your own house and you’re good at it, you could put that skill to work by offering up your housekeeping skills to people who either dislike housework or just don’t have time.

Depending on the size and condition of the home in question, you could charge between $500 and $1000 for just cleaning a house a day. Cleaning large homes per week will allow you to earn around $5,000 per week.


3. You Tube

You have given so much opportunity to people who wants to be rich and not just but popular, when you make videos on YouTube and lots of people watch your videos, you will make over $1000 dollars a month.


How To Start A You Tube Channel And Earn Over $2000 Dollars A Month


4. Become A Virtual Assistant

If you know how to do administrative tasks, you could become a virtual assistant in your spare time. The average rate for a good virtual assistant is between $50 and $80 per hour. At the lower end of that scale, you’d only need to work for 20 hours to gross $1,000 daily this could be done over the course of a month or, if you’re really serious about looking for how to make 2000 dollars fast, in just a few days.

This is a work from home gig and you might even want to replace your full time job with it once you get started.


4. Writing Online

By writing online you will earn $1000 in less than a week, you can write at your free time and it’s similar to freelancing and a form of freelancing.

There are websites that pay over $200 dollars per post you submit to them so submit 5 a week and you bag $1000 a week.

Recommended: How To Earn Over $1000 A Week By Writing Online

10 Websites That Will Pay $100- $2000 Dollars Per Post You Submit


5. Offer freelance services to get paid – Freelancing

Many companies are turning to freelancers for tasks that aren’t worth it to do in-house. These tasks can range from bookkeeping and managing email to writing blog posts or building websites. Whatever your skill set, someone out there will pay you for it.

With the right skills and some diligence, you can make $2,000 fast (in a week or less, really) from freelancing alone.


What is Freelancing and It’s Benefits


6. Affliate Marketing

Affliate marketing is a great way to start earning $1000 in less than a month, we earn over $5700 last month through affliate marketing so yours can’t be different, we can help you out or get you starting.


How To Begin Affiliate Marketing and Earn


7. Sell Your Advise

Seems too good to be true, but if you are great at something you can advise other people on how to do that great thing.most people have some talent that they wouldn’t consider turning into a job, the most common include cooking, gardening, woodworking, sewing, knitting, and auto mechanics among others.

If you have to do one for free it’s ok because it will help you build a presence online.Join online groups, post advice and let people get to know you.

Advertise in your local paper or on buying and selling websites.People will reach out to you if you offer a great service with a fair price, so get creative with that hidden talent of yours.

From this you are good to go for getting $1000 less than a week.


8. Betting

Yeah, you have heard stories of people who made millions in a day by just predicting something and their prediction was right, yes , with betting you can make $1000 in less than a month but most people worry is that they don’t know how to bet and do it correctly.


How To Make Money Through Betting

The Central Bank of Nigeria (CBN) Reduces ATM Withdrawal Charges

Nigerians pain from some unexplainable bank charges after transactions will be over from January 2020, This is as the CBN has reduced the fees for ATM card maintenance and electronic transfers.


The CBN’s new rule is that customers will now be paying N10 for each electronic transfer below N5,000 and N25 for those between N5,000 and N50,000. The Central Bank of Nigeria (CBN) has released its downward review of charges placed on Nigerians for the maintenance of Automated Teller Machines (ATM) cards and the fees for electronic financial transactions. According to the changes made by the CBN, bank customers will henceforth pay N10 for each electronic transfer below N5,000, and N25 for electronic transfer between N5,000 and N50,000. The new rule, which takes effect from Wednesday, January 1, states that electronic transfer above N50,000 will be at the cost of N50, Vanguard reports. The review of the fees is contained in the apex bank’s lastest guide to charges which also reduced the charges for withdrawals through other bank’s ATMs from N65 to “maximum of N35 after the third withdrawal within the same month.”

Added to this, CBN has removed the Card Maintenance Fee (CAMF) on all cards linked to current accounts, with a maximum of N1 per mille for customer induced debit transactions to third parties and transfers to the customers’ account in another bank on current accounts.

In his explanation, Isaac Okorafor, the CBN’s director of corporate communication, said that the current NIP charges apply to use of Unstructured Supplementary Service Data (USSD), purchase with cash-back will cost N100 per N20,000 withdrawal that eventaully amounts to N60,000 in one day. Okorafor also made it clear that for cards linked to savings account, a maintenance fee has been reduced from N600 per annum to N200. Even more, he said that charges for reactivation or closure of accounts like savings, current and domiciliary have been removed while status enquiry at the request of the customer (like confirmation letter, letter of non-indebtedness and reference letter) will now attract a fee of N500 for each request.


One of the CBN’s new rules also states that there will be a penalty of N20, 000 for any bank that places arbitrary charges on customers and that the penalty will continue daily unto the said financial institution adheres to the regulation.

In relation to this, the CBN directed banks to enter complaints from customers into the Consumer Complaints Management System (CCMS) and generate a unique reference code for each complaint, adding that failure to do this will attrack a fine of N1,000,000.

Credit: Onyirioha Nnamdi|

How do make money through betting in 2020

10 Ways To Improve Your Betting

1. Understand the concept of value

Critical. If you don’t have this, walk away. Sure you might be certain that a 1.25 favourite is going to win, but are the odds being offered giving any value?

Plenty of times we’ve heard casual gamblers say “There’s no way this team is going to lose this game.” Well they might be legitimate favourites, but is the probability of them winning better than the odds being offered? Betting with this frame of mind is a little like saying an over-priced wide-screen TV was good value just because you really really really wanted it. It doesn’t work.

Value is a simple concept, but most of the betting public don’t understand this. And perhaps thankfully so, because its this naive or ‘square’ money that can skew the market, leaving great opportunities for the minority of gamblers who do know how to recognise value.

Being able to spot value means that you are able to spot odds that are too high, consistently and systematically and capitalize on those opportunities.

In principle this is not unlike successful trading with stocks: It makes sense to buy a particular stock when it is undervalued, as this means it likely will appreciate in value later. If you are focused on sports betting, than your job each match day is to find the undervalued teams, and “buy their stock” in a manner of speaking.

Spotting value is in essence about judging probabilities more correctly than the market does. Of course it is difficult to do that for every game and every sport, but that isn’t necessary. Your big advantage over the bookmaker lies in the ability to skip matches with unfavourable odds – just like you don’t have to purchase all stocks available. The bookmaker pretty much has to offer odds for almost all games, at the very least in the most popular leagues.

Spotting value is the hardest thing to do in this business, and you will need a lot of practice to pull it off consistently. Only once you have developed your ability to consistently identify value, you will have a systematic edge.

2. Understand basic maths

If you’ve ever said the phrase “I’m not a maths guy but….”, then you probably shouldn’t be a betting guy either. While plenty of gamblers can make a success of it by betting on instinct and ‘feel’, to be successful long term you need a viable staking plan and you need to understand what the odds reflect in terms of probability.

In short, it’s a numbers game, and you need an adequate relationship with division and multiplication as a minimum.

3. Understand how the bookmakers make the odds

This depends upon the popularity of the event, but in general, bookmaker odds will be more a reflection of what they expect the general public to play, rather than on the actual probabilities of either outcome. Of course, it’s not quite that simple, but in general, bookmakers will set their odds so as to attract betting on either side of the odds, so as to balance their liability and take their commission.

This leaves smart gamblers to find great value opportunities where the general public’s opinion is just plain wrong. It also means that great value can be found on events where there is expected to be greater interest than normal by the occasional or casual gambler, who let’s be honest, knows nothing or very little in terms of profitable betting strategy. Events like the Super Bowl, Cup finals and major horse racing events are prime candidates for this sort of opportunity.

If you want to bet successfully, you need the right bookmaker. You will need to find bookmakers that actually let you win. Sadly it’s an ugly truth that most bookmakers won’t and will limit their successful customers, or may even outright ban them.

Of course that way you can’t possibly plan for success, as your winning would always stay fictional. Happily there are certain bookmakers that do not limit or ban their successful customers. One of the most well known bookmakers of this kind is Pinnacle Sports (residing in Curacao), as well as the Asian bookies SBObetand IBCbet. The latter two also happen to be the worldwide market leaders when it comes to soccer betting. On the other hand, if you consider yourself a casual betting type, going with well established bookies is the perfect choice.

The business model of all these bookmakers is based on low margins and high volumes. This means they simply want to have as much action as possible, encouraged by a small bookmaker margin which translates into better odds for the customer. These bookies accept winners not because they want to make the world a better place (that’s just a side effect), but rather because they can use that information to their advantage, for instance by adjusting their betting lines.

You should also make use of betting exchanges. Betting exchanges will not ban you for winning either, as you are betting against other customers on the exchange, rather than a bookmaker directly.

4. Possess the ability to fall in love with the ugly duck

The longer we have been betting, the more we have come to fall in love with the team that nobody likes. In fact, we feel better about a potential bet the uglier it looks on paper. Sounds counter intuitive we know, but the less the general public likes a team, the more we like the look of them in terms of value. Especially a team that might have performed well over a long period but may have had a bad run of maybe 4 or 5 games. Just watch the general public jump off them, and watch their value rise.

5. Don’t dwell on the past or celebrate for too long

Don’t let a recent losing run throw you off your game. Put it out of your mind and stay with your analysis and have faith that the wheel will turn. Similarly, don’t let a recent winning streak give you false courage and lead you to over extend yourself. Again, stay with your analysis and stick with your plan.

6. Don’t hope for The Big Score

Multi-bets. Parlays. Teasers. Whatever you like to call them, know when to bet them. And when not to. Sure they offer the promise of the big score, the big pay day, but unless you have done your analysis and have located true value, they are a terrible way to bet.

Look at it this way. If you place a multi-bet of 4 legs, and you were getting full price even money odds of 2.00 for each leg, the odds for that multi would be 16.00. Now lets look at a real world example where you’re being offered lets say 1.90 for ‘even money’ with the bookmaker taking out 5%: the odds for that same 4 leg multi would be just 13.00. That’s taking out close to 19% of the full price of that bet.

But if you have located true value, then multi’s can be tremendous value as you multiply the value into each leg. The issue is of course, locating true value. Everyone who adds a leg to a multi does so because they believe they are finding value. Nobody bets odds that don’t represent value to them. But key to creating value multi’s is in finding true value or else you’re only diminishing your chances of success with each under valued leg you add.

7. Have a long term sensibility

If you take your betting seriously, you need to think long term. Build your betting bankroll, steadily increase the amount you bet on each game, and soon enough you’ll find you’re making some decent pocket money on the side, and maybe, just maybe, if you stick with it long enough, you can make a living wage out of it.

Never forget: Betting, like any other form of serious investment, is a marathon, not a sprint. Accordingly it will take a while for your bankroll to grow. If you’re patient and successful however, the compound interest effect will be on your side. What will look like painfully slow growth initially will end up picking up a remarkable exponential dynamic.

You will have to deal with more swings, losing streaks, winning streaks, making the curve less smooth and requiring a greater number of bets. Nevertheless the general dynamic holds true – how far you can get with 5% value is quite amazing, and doesn’t even take all that long.

8. Start with a sensible betting bankroll

If you want to make money, you need to start with a betting bankroll capable of absorbing losses. If you’re going to bet in units, with an average bet of 1 unit, we would recommend a bankroll of at least 50 units. Minimum.

OK so maybe you can only afford a bankroll of 1000 euro, which means your average unit will be 20. Sounds small time we know and you want to be a high roller. Well a euro1000 bankroll can quickly turn into a substantial amount with consistent value recognition and an intelligent staking plan.

Lets say you bet 200 bets a year. And for argument sake lets say they are all of 1.90 odds, and lets say you hit at a 54% strike rate. Well with a fractional Kelly staking plan, at the end of those 200 bets, depending on your winning consistency which should even out over a long term, your bankroll will be in the ballpark of euro1100.00. Yeah I hear what you’re saying – that’s only 100.00 profit over the year. Well, that’s just betting 200 bets a year, with a 2.6% average return per bet.

Now imagine you bet 400 bets in a year and able to get still a modest 5% average return. That bankroll of euro1000 at the end of the 400 bets would be in the ballpark of euro1400 and at the end of 5 years that bankroll will be in the range of euro5000, and after 10 years, around euro30,000 with an average unit of 600.

Not bad is it. Of course the hard part is to get that consistent 5% return, and perhaps the harder part is grinding it out until you build that bank up over a number of years. But the point here is to show how starting out modest with a viable bankroll and staking plan, can turn into genuine profits in the long term

It isn’t just all about value though – the ability to correctly manage your money is almost as important. Money management is about two fundamental goals, that partially contradict themselves:

growing your bankroll as quickly as possible
while avoiding bankruptcy in the process
Provided you find value regularly, your bankroll will of course grow faster if you stake more per bet. But if you stake too much per bet, you risk bankruptcy. Sadly this aspect is often severely underestimated by most people. The random swings can be brutal even if you mostly place value bets. Luckily this can be handled easily by a very simple rule: Personally I would recommend you never stake more than 1-2% of your bankroll on any given bet.

If you are able to come up with a reasonably accurate estimation of your actual value, you can use the Kelly-formula to make the most of your edge – and stake ever more efficiently.

9. Let go of the need to ‘make it interesting’

If you want to make it big in betting, value alone will not cut it. You need to find that value in sports and leagues that you can bet at reasonably high betting limits (these are limits that apply to every punter, rather than just a select few winning ones).

But soccer is not the only avenue. For example for American Sports, Pinnacle Sports and Matchbook allow for high stakes as well, British Horse Racing is another good possibility on Betfair and Betdaq. However, it should be noted that early market odds will often have low limits and restricted betting until the market develops in the days leading up to the event.

For example, a bookmaker such as SBObet may offer stakes up to 5,000 for a Premier League game a day before kickoff, but will likely only offer a tenth of that on markets posted a week prior. It’s also worth noting that many traditional bookmakers such as Ladbrokes do not quote their bet limits as unlike Pinnacle Sports and SBObet, they will not apply to the majority of their customers.

On the other hand it will be pretty tough in more exotic sports and leagues, even if you find great value there. Bad odds and low limits are usually insurmountable obstacles in that regard.

While a number of bookmakers cater to professional punters seeking high stakes, Pinnacle Sports is by far and away the leader when it comes to limits on major sporting events. Here are Pinnacle Sports current bet limits for popular sports leagues and markets:



Match Result


Premier League




La Liga








Serie A




Champions League








Tennis Grand Slams




10. Have the ability to believe in any and all conceivable Gods or transcendental possibilities

Hey, it cant hurt.

Source :

How to get money through Affliaite marketing 2020

Let’s begin with the broad definition of affiliate marketing.

Affiliate marketing is one of the oldest marketing practice which gains affiliates a commission in the case of sale based on the affiliate’s recommendation. It is one of the cheapest and easiest ways of marketing as you don’t need to create and sell a product. Just one thing you need to do is to enable a linked connection between buyer and seller and take your commission when the sale is made.

Many online companies that sell shoes or domain services offer an affiliate program. By signing up for the program, get your unique tracking link and use this link whenever you write about their product. There are different affiliate programs that use different payment terms.

  • Pay Per Click (PPC): You make money online based on the number of visitors redirected by your affiliate site to the advertiser’s website.
  • Pay Per Sale (PPS): You make money online when the purchase is completed. The advertiser pays you a percentage of the sale.
  • Pay Per Lead (PPL): You make money online when the visitor provides his/her contact info on the advertiser website.

How To Make Money In Affiliate Marketing

As you see, affiliate marketing is a passive income source. It is highly competitive it is true but still it may be so easy to make money online with affiliate marketing. To be successful, you need to learn what works and what doesn’t while promoting your products. If you ask yourself “How can I do affiliate marketing”, here are the tips:

Be Patient

There are many affiliate marketing works. So, you need to be patient. You can feed your website with qualified content to get high ranking positions and raise awareness, attend affiliate marketing events, seminars or webinars and join a discussion forum or online communities to meet new people. All make a great contribution to develop you. Naturally after these contributions you will be more passionate to make money from affiliate programs. If you are patient enough you will make money with affiliate programs.

Choose More Attractive Products

It would be a definite mistake to promote everything by registering with different affiliate programs. You can’t focus on each of them deeply and the result would be a disappointment. Instead of promoting everything, just promote a few products which are unique, profitable or can reach large masses. So, you need to understand market needs and desires and place your products accordingly to make money as an affiliate.

Use Several Traffic Sources

The chance of making money online raises together with the more traffic you send to the sales page. It is not wrong to run ads on just own site, but it has some missing points. The best example belongs to Google Adwords. By making an ad in your Adwords account, your sales page gets targeted traffic from various channels.

Attract Targeted Traffic

The core function of making money is to push people to click your affiliates’ links. So, you need to attract visitors. There are four ways; paid advertising, free advertising, article marketing and email marketing.

You need to combine ad copy, graphics, and a link effectively on paid services like Google AdSense in paid advertising while placing links and advertisements on free websites like Craigslist or US Free Ads in the free advertisement method. Payment methods of both of them are PPC, that is earning money regardless of whether a reader buys the product or not.

For article marketing, you need to have a higher ranking in search engine results to be a credible source. There are many article submission websites like Ezine Articles. As a marketer, you submit your article and affiliate marketers republish your article. The marketer who published the original article gradually earns higher search engine rankings. For email marketing, affiliate marketers embed an email subscription option for website visitors.

Test, Measure, and Track

Testing any action and measuring the performance help you exploring what works and what doesn’t. According to tracking results, change or keep your actions. For example, your banner ads aren’t gain you much. So, try to be placed them in different areas and compare and contrast all results. Sure, some places earn you more.

Research Product Demand

If you remember, I said “understand market needs” at the beginning. Let’s deep into this step. If you have decent traffic, view your daily, weekly, quarterly and yearly traffic and sales chart in order to explore customers’ behaviors and choices. If not, spend a time to find out how the product you are thinking to promote meets users’ needs.

Follow New Methods and Techniques

Everybody is typing to Google: How to make money affiliate marketing. Everyone wants to make money with affiliate programs. Digital marketing trends are very dynamic. So affiliate marketing is. Try to be updated with the latest techniques and methods to be successful in a competitive environment. Getting out of date results in falling behind while staying up to date results in utilizing new techniques.

Select The Right Advertiser

The quality and service of your website are as important as the advertiser’s website. If your visitors become unhappy and dissatisfied after purchasing the product you advice, they think nothing of taking your advice, again. I mean it hurts your credibility. So, focus on choosing the ones that offer good customer service while promoting the person or company.

Use Tools

You need to make your campaign efficient. There are many helpful tools that let you conduct market research, competitor research, track and convert your ad campaigns.

In order to get inspired by topics, you can use BuzzSumo and Feedly. For social media planning and tracking, Buffer would the best choice while Bitly and ClickMeter are good for link creation and tracking. In order to beautify your website with images and GIFs, you can try Unsplash and GIFMaker. For monetization, you can use Google Adsense, VigLink, and Flippa.

One of them I suggest is GO Trace by App Samurai, a smart affiliate link testing and monitoring tool, which you can use for free to test. You can test your affiliate links whether there is any broken one or not. It is useful for both advertisers and affiliates.

Affiliate Marketing Types

Wwbsit Affiliate Marketing

Most common affiliate marketing type is doing it by a website. However, with the increased amount of smartphone usage, we think it may be useful to talk about another type of affiliate marketing:

Mobile Affiliate Marketing

Mobile affiliate marketing is simple you will do mobile affiliate marketing by promoting affiliate links provided by the product owner (advertiser), which you share in your mobile app. All you have to keep in mind for mobile affiliate marketing is that your mobile advertising inventory must be a user-friendly mobile interface, it should have new functions and tools for comfortable navigation from any mobile device, be familiar with constant updates and upgrades and so on. If you apply these to your mobile product, you can easily do mobile affiliate marketing.

Source: Appsamurai.Com

5 Behavior That can Get You A Better Job

In this present world behaviors, attitudes and manner of speaking have been doing things and still helping individuals get and possess their desire or possessions.

In this article we bring up 5 behavior that must get you a better job no matter how tight and tough it is to get that position.

Every one of these behavior is something that you can start doing today.

1. Dressing Sense

Dressing is one of the most common way to seek a better job.
You have heard it a thousand times but it consistently holds true. Your dressing attitude towards work can change your life in terms of cash.

People who get ahead at work look to those above them and emulate not only the clothes they wear, but the ways in which they present themselves in the office, interact with others, and approach their work.

If you dress properly there is high probability that you can see a better job or you will be promoted in your work place because the way you dress is the way you will be addressed.

2. Improve your communication skills

One of the most common way of getting a better job is by improving your communication skills. “Fear of confrontation is so overwhelming, but if you communicate boldly, more frequently, and honestly and you are not afraid to work through conflict, you will likely reduce your stress and be promoted at your work place or even get a better job .

If you are bold enough to speak fluently at the public you are likely to attract people or even manager of a company,from this behavior there is high probability you can get a better job opportunity.

3. Courtesy

This is one of the behavior you should acquire in other to get a better job opportunity.

Courtesy is showing politeness in one’s attitudes or behavior toward another. An example of courtesy is when you shake hand politely when you meet someone.

You should also use the 5 magic words like please, excuse me, sorry, thank you and pardon me. After practicing all these, good job opportunity will surely come your way.

4. Teamwork

This is also a way of getting a successful job opportunity. You will need to prove that you are a team player but also have the ability to manage and delegate to others and take on responsibility. It’s about building positive working relationships that help everyone to achieve goals and business objectives.

5. Problem Solving

This is also a way on how to get a better job opportunity . You need to display an ability to take a logical and analytical approach to solving problems and resolving issues.

It’s also good to show that you can approach problems from different angles and and bring up a solution problems with this there is high probability that you will get a better job and will be the center of attention to other colleagues.

Saudi Arabia Present $272 Billion Budget In Privatization Push

RIYADH: Saudi Arabia is set to spend SR1.02 trillion ($272 billion) next year as the Kingdom embarks on a major privatization push amid a widening budget deficit.

The government’s annual budget released on Monday predicts revenue of SR833 billion in 2020, leaving a projected deficit of SR187 billion — or the equivalent of 6.4 percent of GDP. It anticipates real GDP growth of about 2.3 percent next year.
King Salman announced the figures at a cabinet meeting in Riyadh.

“We are determined to continue implementing economic reforms, diversifying sources of income, including investing the proceeds of Saudi Aramco by the Public Investment Fund, optimizing the use of available resources, empowering the private sector and raising the level of transparency and efficiency of government spending to boost growth and development rates,” he said.

Announcing the budget breakdown, Saudi Finance Minister Mohammed Al-Jadaan said that while spending next year would be less than in 2019, the government would continue its focus on developing the private sector, stressing there would be no increases in taxation.
“Privatization is at the top of the government’s priorities,” he told reporters.
“We will continue to support big projects and will continue to support promising projects,” he said. ” Enabling the private sector is the top priority of Vision 2030. We have more to come and our journey toward Vision 2030 demands it.

Saudi Finance Minister Mohammed Al-Jadaan said the government would continue its focus on developing the private sector. (Ahmed Fathi)
The budget takes place against a backdrop of quickening reforms in 2019 and a number of key events from the record initial public offering of Saudi Aramco to the creation of fast track tourism visas.
“We believe that the revenue assumptions in the budget are realistic, both oil and non-oil,” Monica Malik, chief economist at Abu Dhabi Commercial Bank, told Arab News.
“Despite the planned pullback in government spending, we expected to see a pickup in real non-oil GDP growth as investment activity strengthens. Spending by the PIF will be central for the higher investment activity.

“The finance ministry hosted a visit of international investors to coincide with this year’s budget announcement, underscoring the government’s desire to attract more overseas investment in the slipstream of the world’s biggest IPO. The group included a number of international investment companies, insurers and asset managers, including Goldman Sachs, Mayfair Bank, Etiqa Insurance and Nippon Life Insurance Company among others.
Saudi banks such as SAAB, Samba, NCB, Bank AlJazira and Alinma Bank also attended.
While reducing the Kingdom’s dependence on oil revenues is a key part of the Vision 2030 reform agenda, the commodity remains the principal driver of spending trends for both Saudi Arabia and other Arabian Gulf oil-exporting nations.
They have been coordinating production cuts since 2017 through the OPEC+ group of producers that includes Russia, in an effort to keep the market in balance amid surging output from US shale producers.
Last week the Kingdom spearheaded an agreement between the OPEC+ group of exporters to commit to further output cuts to help avert an oversupply of oil on the global market.
Education gets the lion’s share of government spending in 2020 with some SR193 billion set aside for the sector after more than 500 schools were opened in 2019.
The budget analysis also reveals that most non-oil sectors of the economy posted positive growth rates during the first half of this year with the construction sector recording growth for the first time since 2015.

That helped to reduce the unemployment rate among Saudis at the end of the first half of the year by 0.4 percentage points to 12.3 percent compared to the end of 2018.
US-based IHS Markit analyst Bryan Plamondon, told Arab News: “The 2020 budget highlights rationalized spending, with debt issuance and reserves helping to fill the gap from weaker revenues. We expect the Kingdom’s fiscal account will post wider deficits during 2020–21 as spending on Vision 2030 continues.”

Source: Arab News

10 best African countries to invest in 2020

In recent times, great strides have been made towards the growth and development of the world’s second most populous continent. Governments are gradually coming to the realisation that diversification is necessary to foster meaningful growth. But transformation cannot be achieved in isolation. Structural reforms and greater private sector participation are crucial to unlocking Africa’s potential.

Accessing the economic outlook and investment in different parts of Africa, The Rand Merchant Bank (RMD), a South African diversified financial services holding company released a list of 10 most attractive countries for investors in 2019.

The report assesses the economic outlook and investment opportunities in Africa. In this edition, there are significant changes in the top 10 African nations to invest in and some warnings for the future economic outlook across the continent.

1. Egypt:

Located at the northern part of Africa, Egypt boasts of a population of 90 million with 50 percent of this population below 30 and tech savvy. Egypt is currently staking a claim as one of the fastest growing entrepreneurial hubs in the world.

The country also has a lot of passionate individuals seeking an opportunity to prove themselves, along with a rapidly changing tech industry.

2. South Africa

South Africa is one of the most sophisticated, diverse and promising emerging markets globally. Strategically located at the tip of the African continent, South Africa is a key investment location, both for the market opportunities that lie within its borders and as a gateway to the rest of the continent.

3. Morocco

Morocco is increasingly becoming an important industrial player in the EMEA region due to its location as it serves as a stepping stone to Africa and the Middle East.

Having experienced an average growth of 4.4 percent in its GDP over the last 15 years, there are strong indications that economic growth in Morocco will continue to improve.

4. Ethiopia

It is time for investors to seize business opportunities offered by landlocked Ethiopia as the country seeks to recover its past glories and improve its economy.

Ethiopia’s Prime Minister, Abiy Ahmed has been lauded by many world leaders for making substantial reforms to improve the country’s economic position.

5. Kenya

Kenya is said to be the largest and most advanced economy in East and Central Africa. Its GDP accounts for over 50percent of the region’s total.

The country’s strong growth prospect is supported by an emerging middle class and an increasing appetite for high value and good service.

6. Rwanda

The eastern African country ranks among the top three nations in Africa for ease of doing business following Mauritius and South Africa.

With the country’s GDP growth rate being on the rise, Rwanda mark as one of the best countries to invest in 2019.

7. Tanzania

As one of the fastest growing economies in Africa, there are many opportunities for doing business in Tanzania. Investors will have many opportunities to do business within one of the three most important sectors of agriculture, mining or tourism and based in one of the major centres of Dar es Salaam, Arusha or the capital, Dodoma.

8. Nigeria

Emerging as the first West African country on this list, Nigeria boasts of a ready market for any product with its robust population and enabling business environment.

Nigeria cannot be written off among countries to invest in the continent as the country’s rank continues to increase in the World Bank Ease of doing business survey upping 146 from its previous 169 in 2017.

9. Ghana

Ghana has attracted the attention of well-known international businesses, investing in all sectors of the economy. Ghana’s conducive social, political and economic environment allows for investments to thrive and become successful businesses.

According to the 2019 Ease of Doing Business Report. Ghana ranked 114, an improvement from the 120 rank in the previous report.

10. Ivory Coast

Ivory Coast, which has one of the fastest growing economies on the continent, has been named the top destination for investment in West Africa.

The country’s economy relies on the agriculture system for its export earnings. 75 percent land in Ivory Coast is good for agriculture, as they export a lot of agricultural produce and continue to seek diversification by focusing on tourism.

Why all Nigerians should go into Agriculture

Agriculture in Nigeria is a branch of the economy in Nigeria, providing employment for about 30% of the population as of 2010. The sector is being transformed by commercialization at the small, medium and large-scale enterprise levels.

Agriculture in Nigeria | Credit:

David Garrity / EyeEm (Getty Images)

Major crops include beans rice, sesame, cashew nuts, cassava, cocoa beans, groundnuts, gum arabic, kolanut, maize (corn), melon, millet, palm kernels, palm oil, plantains, rice, rubber, sorghum, soybeans, bananas and yams are produced.
In the past, Nigeria was famous for the export of groundnut and palm kernel oil. But over the years the rate of export of this produce has reduced. A few years back local Nigerian companies has commenced exporting groundnuts, cashew nuts, sesame seeds, moringa seeds, Ginger, cocoa etc.

The country’s agricultural products fall into two main groups: food crops produced for home consumption, and exports. Prior to the Nigerian civil war, the country was self-sufficient in food, but increased steeply after 1973. Bread made from American wheat replaced domestic crops as the cheapest staple food.

Between 1980 and 2016, Yam production increased from more than 5 million tonnes to 44 million tonnes.

Nigeria Exports


Cocoa is the leading non-oil foreign exchange earner but the dominance of smallholders and lack of farm labour due to urbanization hold back production. In 1969, Nigeria produced 145,000 tons of cocoa beans, but has the potential for over 300,000 per year. For more productivity, Nigerian Government should give more incentives to cocoa farmers
Rubber is the second-largest non-oil foreign exchange earner.

Oil palm

The palms industry constitutes a significant sector of the Nigerian economy, providing food and raw materials for the Food, Cosmetics, Pharmaceuticals, Plastics and the Bio-energy industries. In Nigeria the institute that has valuable information about oil palm is the Nigerian Institute for Oil Palm Research. The formal mandate of the institute is to conduct research into the production and products of oil palm and other palms of economic importance and transfer its research findings to farmers.

Why all Nigerians should go into Agriculture

Crude oil pours out 85% of government revenue and Nigeria largest and main exports since full scale production of crude oil began in 1958, the rate of agriculture products and exports begin to decline.

Agriculture was Nigeria largest and main exports of Nigeria but now agriculture is now neglected and there by developing a mono – economy as Nigeria rely solely on crude oil as the major source of revenue.

Other countries without fertile land waste millions of dollars to make their land fertile but Nigeria is blessed with it and don’t value it.

Nigerians should go into agriculture again to build the economy again and reduced the rate of importation again.

Importation of agricultural products is one of the most stupid act by Nigerians instead of investing it in our soil so we can export them some rather choose to import. Nigeria government should encourage agriculture and the President of Nigeria is working on that as he closes the border for months now and he is encouraging and pushing Nigerians into agriculture.

Reference: Wikipedia: Agriculture in Nigeria

7 Things Nigeria Have Achieved That No Other Country Have


Nigeria who gain her Independence in 1960 is now 59 years old and have achieved a lot that no other country especially in Africa have ever achieved.

Gwari, Nigeria |Credit: Fatima Muhammad / EyeEm/Getty Images |

Here are 7 things Nigeria have achieved:

1. A Peaceful Country Despite Over 200 languages and Ethnic

Nigeria is a blessed nation truly with over 200 languages and ethnic groups and still peaceful, there’s no religious crises or tribalism in Nigeria.

Especially in Lagos, The largest city in Nigeria, this is a home to all, Nigeria with a large population of over 200,000,000 people live peacefully and safe.

READ ALSO: See The Top 10 Philanthropist In Nigeria

2. Best Musicians In Africa

When talking about music in Africa, the best is from Nigeria, from Wizkid to Davido to Tiwa Savage to Burna Boy, We got it all.

Any award to African music, Nigerians can never be optional or not involved, Nigerians have influence so many with the Afro pop and Afro beats from nice and talented musicians and producers.

3. Best Film Producers in Africa

Nigeria is the best film producers in Africa and third in the world, after Hollywood and India’s Bollywood is Nigeria’s Nollywood. Nigerians are good they got the talent, skills, knowledge and resources to proof that.

Nigeria have produced over 10,000 films this year alone from all main ethnics, the Igbo, Yoruba and Hausa, are all involved.

4. No. 1 Rice Producers In Africa

Nigeria surpassed Egypt to be the No. 1 producers of rice in Africa in 2019.

The land is fertile, agriculture is Nigerians culture right from time but due to some brain drains and desire to acquire a white collar job the Agriculture in Nigeria don’t add much to the economy.

5. Largest Economy In Africa

Nigeria can boast of a fertile land, natural resources and largest number of educated people

Nigeria economy is the largest in Africa surpassing the South African economy.

READ ALSO: Top 5 Food Nigerians Can’t Do Without

6. Best and Largest Army in West Africa

Nigeria possess the best Army in West Africa, the 4th best and largest military in Africa, Nigeria have supported many Africa countries in war and funds.

7. Nigeria Is One of the Largest Producers Of Crude Oil

Nigeria is the world’s 12th largest crude oil producer and also the 8th largest exporter, producing on average 2,525,000 barrels daily.

This is one of the main blessing God gave to Nigeria, the oil. The oil contributes largely to Nigeria economy contributing 85% of Nigeria government revenue.

US President On A Go To Restore Tariffs On Steel And Aluminium Imports

US President Donald Trump announced that he will restore tariffs on all steel and aluminium imports from Brazil and Argentina.


“Brazil and Argentina have been presiding over a massive devaluation of their currencies. which is not good for our farmers. Therefore, effective immediately, I will restore the Tariffs on all Steel & Aluminum that is shipped into the U.S. from those countries,” Trump tweeted early Monday morning from Washington.

Donald Trump (Photo by Chip Somodevilla/Getty Images)

Both countries have benefited from warmer trade relations with the US under Trump as a result of the US-China trade war, but the two countries have recently seen the values of their currencies drop and this has also affected American farmers.

Brazil’s President Jair Bolsonaro and Argentine production minister Dante Sica said said he would seek talks with Mr Trump and he too would request a conversation with his US counterparts, respectively.

Devaluation of the Brazilian and Argentina currency has increased, The Brazilian real is down more than 8% against the dollar this year, and the Argentine peso is down 37%.

Earn $200-$1000 Daily By Just Typing Numbers(With Proofs)

Here is a great opportunity you should never miss, you can earn $200 – $1000 dollars daily by just typing in numbers through your smartphone or laptop. I made $200 from this in 2 hours of using my laptop, the more you have time for your laptop or smartphones the higher you earn.

How can this be done? or how do they pay?

The company offers you to earn money on viewing ad units (by typing numbers) and attracting referrals.
Watch commercial advertising, typing three numbers and we will credit up to 10 cents to your account for an ad unit display.
Attract referrals and get 50% from their earnings transferred to your account.It seems to be the most profitable offer on the market of paid advertising at the time!
Your earnings are practically unlimited and depend on the time you spend in front of your PC.Working on the average 3-5 hours a day, you can get paid from 100$ to 500$ or even more to your account.
All earned funds are saved in the personal account of the employee and are paid to your bank
account or electronic account(PayPal, Bitcoin etc) upon the request in your account within 1 hour.

How To Register and start earning through ads units or typing three numbers:

Register Here:
To get answers on frequently asked questions,follow the link

See proofs of earnings (Through typing of numbers)

Amazon sued the Pentagon over contract worth $10bn (£7.8bn) awarded to Microsoft

Amazon challenge the awarding of the Defense Department’s $10 billion JEDI cloud computing contract to Microsoft on Friday.

Amazon and Microsoft Logo

The contract was awarded to Microsoft last month, surprising a number of industry observers(including Amazon), after Amazon had been considered a favourite for the Joint Enterprise Defense Infrastructure (JEDI) cloud contract before Microsoft emerged as the surprise winner.

It was reported by Amazon and Jeff Bezos that politics got in the way of a fair bidding process, Amazon directly linked the awarding of the contract which it alleges involved “political influence” and “unmistakable bias” to comments by President Donald Trump. Trump has been a outspoken andfrequent critic of Bezos.

The filings contain “proprietary information, trade secrets and confidential financial information” that could “cause either party severe competitive harm”, Amazon said in a court document seeking a protective order.

Tips on advertising home business online

Even with the best product or service, a home business may not thrive on word of mouth recommendations and local advertising alone. To compete in today’s market, businesses of all sizes should establish an online presence to reach a larger customer base and connect with consumers.

Create a professional website.

Before you do anything else, make sure that your business’ website is polished and welcoming. Test your website to be sure that it works on the customer’s end.

If you don’t yet have a website, don’t worry! It is now cheap and simple to create your own using tools provided by the same companies through which you will register your domain name. For an additional fee, you can also set up your website as a full online store.

Invest in search engine optimization (SEO).

This service allows your business to show up on earlier pages of search engine search results. This makes it more likely for your website to be found among other, similar websites.

Ways to optimize your website include writing interesting, original content; posting images with captions (so people who use image searches are brought to your website); and using tags.
Whichever method you follow, it is essential to see that the advertisements are clear and impressive.

Advertise to your consumer base.

Placing advertisements online is generally expensive, especially if you intend to reach large groups of people. By targeting your advertisements, you will be able to attract the type of traffic you want to your website.

Perhaps the best way of doing this is by investing in Google AdWords. This service displays your advertisement to customers on relevant websites and those who make relevant searches. This increases the likelihood that viewers of your ad will actually click through it.

It should state all the qualities of the product in a clear and crisp manner to attract the attention of the customers.

If you’re working on a tight budget, try just starting with the website and free forms of marketing (social media, blogging, and forums) and move up to advertising when you can afford it.

When making advertising decisions, check the Small Business Administration’s web page on online advertising to ensure that you’re acting within the law.

Most advertising with big name companies will of course be fine, but there are some pitfalls to avoid in other areas.

Send out press releases.

This can be a great way to get your business’ name in a widely-read publication. Just be sure that you have a reason to do so, whether it is a new product or a sales record.

Keep in mind that you will also have to submit a properly formatted and grammatically correct press release to be published.

Write a blog.

Maintaining an interesting and well-written blog is a way to draw customers in and keep them involved in your business. Be sure that you post frequently enough to hold customers’ attention.

One advantage of being a small business owner is that you can make this blog personal.

This does not mean you should share personal details with your readers, just that you can relate your own experiences to your products and your brand to bring them to life. This is commonly referred to a “lifestyle blogging” and has become a large part of how small businesses interact with their consumers.

Another option with blogging, as with other social media platforms, is to hire a ghostwriter to represent you or your company. However, be careful if the writer is publishing under your name, because if you are caught this may come off to your customers as dishonest.

Participate in relevant online forums.

Forums are where interest groups meet to discuss various aspects of whatever that interest is. By posting in relevant forums, you can display your expertise and potentially draw in customers. Avoid solely pushing your product, however, and focus on participating in the conversation as well. Genuine helpfulness in forums builds customer trust and boosts your own online reputation.

For example, a small business owner that resells vintage watches might create a name for himself or herself on watch forums by helping other members identify fake timepieces. Even though the owner isn’t making a sale with this time, they are building a reputation for trustworthiness that may bring other forum members to their online shop.

Try searching for forums by typing your business and “forum” into a search engine. So, if you are a knitter, try searching “knitting forum.”

Maintain social media accounts.

Just having a good account isn’t enough. You need to regularly update the account with business events (sales, new products, etc.) and relevant articles from elsewhere online.

By posting regularly you are essentially advertising to customers for free. As with blogging, feel free to enlist help to update your social media profile if you feel that you do not have time to do so.

Respond to customers.

Connecting with customers through these platforms means nothing if you don’t respond to comments or questions that they post there. Try to check these platforms regularly and respond in a helpful and enthusiastic way.

Top 10 Richest Tech Geniuses In The World(2019)

Top 10 Richest Tech Geniuses In The World.

With different inventions or being a pioneer in an important aspect of tech, these billionaires have made it to the top 10 richest for years.

They’re so successful that they don’t know what to do with their wealth or how to share it up.

Here are the top 10 richest tech geniuses in 2019:

Number 10

Azim Premji (estimated net worth $18.8 billion)

Premji is a tycoon of the Indian IT industry and Chairman of Wipro.

Number 9

Paul Allen (estimated net worth $21billion)

Paul Allen was an American business magnate, investor, researcher, humanitarian, and philanthropist.

Number 8

Michael Dell (estimated net worth: $31.0 billion)

Michael Saul Dell is an American billionaire businessman and philanthropist.

He is the founder and CEO of Dell Technologies, one of the world’s largest technology infrastructure companies.

Number 7

Jack Ma (estimated net worth: $39 billion)

In 1999, Ma and a group of friends launched Alibaba Group Holding Limited (BABA) to address the lack of e-commerce presence in China. He is the richest entrepreneur in China.

Numbers 6 and 5

Sergey Brin (estimated net worth $55 billion) and Larry Page ($55 billion)

Sergey Brin and Larry Page are co-founders of Google Inc.

Number 4

Larry Ellison estimated net worth $61.7 billion)

Lawrence Ellison is an American businessman and philanthropist who is a co-founder and the executive chairman and chief technology officer (CTO) of Oracle Corporation.

Number 3

Mark Zuckerberg (estimated net worth: $70.3 billion)

Mark Zuckerberg is an American technology entrepreneur and philanthropist.

Zuckerberg is known for co-founding and leading Facebook as its chairman and chief executive officer.

Number 2

Bill Gates (estimated net worth $105.7 billion)

Bill Gates is an American business magnate, investor, author, philanthropist, and humanitarian.

He is best known as the pioneer of the microcomputer revolution of the 1970s and 1980s, and the principal founder of Microsoft Corporation.

Number 1

Jeff Bezos (estimated net worth: $109.9 billion)

Jeffrey Bezos is an American businessman, investor, and philanthropist.

He is the founder, CEO, and president of, Inc.

He is also the richest in the world.

Top 10 Wealthiest Country in the World

The following are the world’s wealthiest countries by Gross Domestic Product (at Purchasing Power Parity) per capita. Using the Purchasing Power Parity (PPP) value of all final goods shows the true value of a dollar within a country in a given year.

All figures in this article are taken from the latest 2017 numbers according to the International Monetary Fund.

10. United States – $64,770

While most nations on the list have (relatively) small populations, it is impressive that the world’s largest economy, the United States, can maintain a per capita GDP (PPP) of $64,770, considering its population of over 310 million people. Reasons behind its success include its large domestic automotive industry, a technological sector that fosters innovation, and a system of democracy that protects entrepreneurial and intellectual property rights.

9. Switzerland – $65,741

The GDP (PPP) per Swiss citizen is $65,741. Swiss banking and financial institutions keep this country and its economy afloat. It is important to note that some of the wealthiest people and companies in the world own Swiss bank accounts and therefore Switzerland has excess capital to use for investment purposes. Zurich and Geneva, Switzerland’s most well-known cities, have consistently ranked among the top ten worldwide in terms of standards of living.

8. Kuwait – $67,970

Kuwait hosts a small, relatively open economy and its citizens enjoy a per capita GDP (PPP) of $67,970. With nearly 10% of the world’s oil reserves, petroleum accounts for nearly half of GDP and 95% of export revenues and government income. In recent years, Kuwait has done little to diversify its economy due to a very positive fiscal situation.

7. The United Arab Emirates – $70,570

This Middle Eastern federation of Emirates has a land area of about 32,278 sq. miles, which means it could easily fit within New York State (54,556 sq. miles). With a population of 9.2 million people, it’s a bit more populated than the state of New Jersey. Roughly one-third of the $70,570 per capita economy comes from oil revenues, while the service sector and telecommunications also contribute significantly. The UAE is the second largest economy in the Arab world after Saudi Arabia.

Read also: The Highest currencies in the world

6. Norway – $76,740

This Nordic nation’s per capita GDP of $76,740 allows its 4.97 million people to reap the benefits of a small yet robust economy. Driven by fishing, natural resources, and major petroleum exploration, Norway is the eighth largest exporter of crude oil, 9th largest exporter of refined oil, and 3rd largest exporter of natural gas in the world. Norway also consistently ranks among the world’s best places to live.

5. Ireland – $82,440

The Emerald Isle has a per capita income of $82,440 with a population of about 4.8 million people. The main industries that boost its economy are textiles, mining, and food production – staple products in any economy. In OECD (Organization of Economic Cooperation and Development) rankings, Ireland actually places 4th overall.

4. Brunei – $83,780

With a per capita income (PPP) of $83,780, Brunei ranks as the fourth richest county in the world. The tiny state in southeast Asia has a total area of 2,226 sq mi and a population of 417,200 as of July 2015. The county’s wealthy economy is supported by the petroleum sector. Brunei is the ninth-largest producer of liquified natural gas in the world as well as the third-largest oil producer in Southeast Asia. The government is working on diversifying the economy to rely less on petroleum revenue.

3. Singapore – $103,720

This tiny city-state has moved up from 5th position to take 3rd with per capita income (PPP) of $103,720, which is five times the average per capita income for an ordinary individual in the world. The basis ofSingapore’s wealth is its financial services sector, a chemical export industry, and its liberal economic policies that encourage growth and innovation. Singapore has the second busiest port in the world, exporting $414 billion of goods in 2011 alone.

2. Luxembourg – 108,810

A symbol of wealth, Luxembourg takes second place with a per capita GDP (PPP) of $108,810. This is nine times the world average. The backbone of this strong economy is its vibrant financial sector, prudent fiscal policies, and dynamic industrial and steel sectors. Banking inLuxembourg is the largest sector of its economy with an asset base of over $1.24 trillion alone.

1. Qatar – $134,620

Qatar is the richest country in the world with a per capita income of $134,620. Qatar has a well-developed oil exploration industry where the petroleum industry accounts for 70% of its government revenue, 60% of its GDP and 85% of its export earnings. Although the size of Qatar’s GDP is barely within the top 50 largest in the world, the country’s relatively low population of two million results in a large GDP per capita, where most residents of the country enjoy a very high standard of living.

6 ways to skyrocket your business using a smartphone

Gone are the days when starting and building a business requires you having sleepless nights but today, everything has become easier. The smartphone in your hands is an information control panel, which can do more than just show you a weather forecast.

This article will let you know how effectively you can use your mobile phone to navigate your firm to success.

1. Use cloud storages

Cloud storages are an easy way to keep all your data in one place, be it large documents, screenshots, or presentations. The benefits of this are hard to deny. You can conduct business correspond toence if you have at hand only a smartphone. Also, you can share data with laptops, PCs, tablets, multimedia devices, and office machines. The most popular cloud storages are Google Drive, iCloud storage, and Dropbox, but you can try such apps as Workflowy, which makes it pretty much the same and easy to use.

2. Choose appropriate communication channels

Messengers allow you to instantly share information with the owners of other communication devices and deal with business issues from a distance, thereby, having the latest updates at your fingertips. Get to know what messengers the people you’re going to communicate to use and download them on your smartphone. It may so happen that you will need WhatsApp to keep in touch with your business partners, Facebook messenger to chat with your friends, Skype and Slack – to decide technical problems with some tech staff. We advise you not to forget various e-mail clients, that can practically be more reliable and efficient.

3. Plan and work as a pro at

To organize your working process and always remember about the tiniest task and every 15-minute meeting, it’s not necessary to have a notebook at hand. What you really need is a bunch of planning applications that allows you plan different sort of tasks, prioritize them, set notifications for a particular time and work jointly over a project. Currently, there is a broad variety of applications and platforms for different kinds of businesses. Among them are, Trello, ActiveCollab, Basecamp, and Confluence are generally recognized and widely used. On top of that, there are always such budget choices as Google Calendar and Google Excel.

Law Of Finance (This Is The Key To Wealth)

Finance is a field that is concerned with the allocation (investment) of assets and liabilities over space and time, often under conditions of risk or uncertainty. Finance can also be defined as the art of money management.

There are 2 types of Laws of finance:
1. Law Of Poverty
2. Law Of Wealth


This law states that work alone or work under someone and remain poor for the rest of your life. 95% of people in the world are living under this law. The people under this law make use of their credentials, they have ego, they seek for job, they have someone called boss, they receive salary which is fixed amount.

S= Small
A= Amount
L= Limiting
A= And
R= Restricting
Y= You

These people are called the working class. They always look for job.

J- Just
O- Over
B- Broke


This law states that work with a team or group of people and remain wealthy forever, it is just 5% of people in the world that are living under this law. The people under this law make use of their potentials, and they are called the thinking class, they think of what to offer to the society and in turn make money. These people they earn their money which is income and it is not a fixed amount. These people are called the thinking class.

The difference between these laws is that the people under the “Law Of Poverty” don’t make use of opportunity, why those under the_ “Law Of Wealth” make use of any opportunity that comes their way. The wealthy ones make use of ID Number and also Partnership, they have what is called big dreams but the poor don’t have.

Money does not respond to qualifications
Otherwise the wealthiest people should have been Ph.D holders.

Money does not respond to age Otherwise the world’s oldest twins would have been the richest.

‍ It is not about your “degree”
It is all about what you do after the “degree”.

‍Have you noticed that the 1st class degree holders are not the richest
neither are the 3rd class degree holders the poorest.
There is more to being wealthy than education.

The most important thing is “Mindset” and the next thing is a “Commitment to self discipline“.

The only person holding your key to success is “You“.

The secrets to success is for you to be willing to pay the price but the challenge is that very few are ready and willing to pay the price to succeed.

While some are partying and gisting, others are learning, planning and earning.

Don’t sit down and complain about where you are, it won’t change anything.

If you must see changes, the person that must change is “You“.

Be assured you have all it takes to Succeed, learn to invest the little you have and get a mentor to teach you how to grow your money.

Daniel Bryte

5 Reasons You Should Shop Online

So this seems like a no brainier, why would anyone not want to purchase their laptops, android phones and network devices online?

E-commerce is more convenient and there are lots of discount on your favorite stuffs.

It gives you a lot of choice from different companies unlike buying in stores.

So here are 5 main reasons why we should shop online.

1. Convenience

E-commerce brings to you less stres. You will save time and energy. For example, It’s a Saturday morning and you are resting at home after a long, hard week. Suddenly you remember you need to pick up a new laptop charger or you need a new router and switch for your home internet connection. What do you do? Begin to go all the way to computer village? Or do you log on to the best ICT e-commerce platform and order them right to your doorstep?

2. Coupon Codes And Freebies

E-commerce companies are constantly pushing the boundaries to attract more customers to shop on their website and this is good news for all of us. From the comfort of our siting room, we can order an Intel based device and get a printer absolutely free. And after a few shops most websites will generate a coupon code for you that gives you an amount off your next shopping. No matter how small, these coupons always come in handy.

3. Wide Assortment Of Products
E-Commerce companies have a combined store keeper’s unit of almost 1,000,000 unique products. So you get the chance to select from a wider range of products than the person that decides to go out because he/she can never check all the products in city in one day.

4. Reviews

Now if you like to take online reviews very seriously then you will understand how crucial it is to get a firsthand experience from someone who has bought and used a product. They can properly guide you on the right product that suit your needs. Does that generator have key start? Is the laptop good outside or does it overheat? These little bits of information help you to make a better buying decision thereby giving you more value for your money.

5. Privacy

Don’t you just hate it when you are buying something in the market and some guy is staring into your shopping bag like his own went missing? Yeah… it happens all the time. Gladly, shopping online eliminates all of these. You put your feet up and shop for even the most clandestine of products without anybody looking over your shoulder or giving you those judgmental looks.

8 Reasons Why You Should Work For Yourself

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Have you ever imagined a life where you are free to live on your own terms? Free from boss? And free from certain kind of rules?

Where you call the shots and have the ability and opportunity to make as much money as you like?
You most probably have.

This is almost everyones dream, don’t get me wrong, working for yourself comes with it’s own set of problems, headaches, and set backs but there’s nothing quite like knowing that you are in control.

Here are 10 reasons why you should work for yourself:

1. You can work from anywhere

Tired of having to dress up every single day in formal office attire? I would say that one of the perks of being able to work for yourself is the ability to work from literally anywhere in the world. This is especially true for internet entrepreneurs.

2. You can do work you actually enjoy

Probably the main reason why most people decide to work for themselves. 90% of people dislike the work that they do at their jobs, which makes getting paid to do something you like a pretty sweet deal.

3. You have the opportunity to create jobs

Nothing feels better than being able to support and give others opportunities to shine. By working for yourself, and assuming you are successful, you will eventually hire others to take on the roles you don’t have time to do. You will be helping others to pay their bills, feed their families, and make a decent living.

4. There is no limit on how much money you can make

Really! When you work for a company, you are limited to a certain amount of money each month… a salary. And if you’rereally good, you’ll probably get a 10% or 20% increase. By working for yourself, the harder you work, the more money you will make for yourself. There’s no limit.

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5. You will become more mature and self-disciplined

As fun as it might sound, working for yourself can be extremely stressful at times. No one will force you to come to work, you can work in your pyjamas, and can wake up at any time you please. This can be dangerous, and getting too comfortablemight not be a good thing. If you’re smart though, instead of crashing and burning, this will teach you self-discipline and maturity.

6. You can live out your true purpose in life

Ultimately, this is what we are all aiming for. For our lives to have a true purpose that is greater than ourselves. To know that we are creating meaningful work that is actually making a difference in this life. Working for yourself will allow you to live out your purpose.

7. You skills will grow at an astonishing rate

I have a friend who’s corporate job requires them to write 50 – 100 campaigns a day. This is cool and all, but it won’t really teach them any other valuable skills in the market place. Doing your own thing, at least at the start, would require you to get out there and wear 10 hats at a time. Product development, marketing, sales, accounting – these are all things you would have to learn and implement on your own.

8. It will give people a reason to remember you

And finally, my favorite one of all. Working for yourself will give you the adventure of a lifetime, a great story to tell, and most importantly – a reason for people to remember you. Nothing drives us more than the desire for a great legacy.Karim Boubker

How to start a gym

Surpassing Legal Hurdles

Apply for an Employer Identification Number (EIN).

In the US, most of the legal red tape relating to opening a gym is imposed by state governments, rather than the federal government. However, gyms do have the obligation to pay taxes to the federal government, which means, like many other businesses, that gyms should have an EIN. EINs are only used for tax administration purposes by the IRS and don’t qualify the holder to open a gym in and of themselves.

Apply for a business license.

As with most types of businesses, it’s necessary to obtain the proper licensing in order to operate your gym legally. However, this process is somewhat complex because different states can have different requirements for which specific licenses are needed to own and operate a gym. Luckily, this information is available online via the Small Business Administration’s Licenses and Permits resource.
As an example of the type of certification you may need to open your gym, in California, a gym can potentially require applying for state and local business licenses.
One advantage of opening a gym as compared to other forms of business (such as ones that sell alcohol or firearms) is that no federal business licenses are necessary.

Register for federal, state, and local taxes.

Every business must register to pay taxes. As noted above, every gym can expect to register for federal taxes with an EIN. The tax situation at the state and local level depends upon the location of your gym, however, and can vary based on state and local tax law. Consult your state and local tax agencies for specific tax registration information.
For example, in California, businesses (including gyms) can be required to register for one or more state-level tax identification numbers, unemployment insurance tax (if the business has employees), state income tax withholding, and more.

Register your business name.

Like most other businesses, gyms are required to register the name of their business in order to operate legally. As with tax registration, the precise process here can vary from locality to locality. In situations where the gym is a sole proprietorship, registering a name may not be necessary if the official name of the business can be the same as the gym’s owner.
For example, in California, small businesses are required to register their official “Doing Business As” (DBA) name with the county clerk’s office in the county where the gym will operate.

Get insurance.

One thing that gyms have to worry about that certain other businesses do not is the possibility that someone using the gym may be injured or even die on-site. Because high-intensity exercise occurs near-constantly during business hours, injury is always a possibility even if extensive safety precautions are taken. Thus, it is a wise idea for gyms to carry liability insurance (depending on state and local laws, this an even be a requirement to operate the gym.
Most gyms wisely include a clause in members’ contracts preventing them from suing in the event of self-caused injury.

If necessary, apply for a daycare license. Many large gyms offer play areas or daycares where young children can be left while their parents work out. Though this is not necessary to run a successful gym, if you do plan to offer this service, you’ll almost certainly need to apply for a special daycare or childcare license in addition to the normal business licenses you’ll need to run your business. The process for applying for a daycare license can differ from state to state.
For example, in California, you need a childcare license if you intend to care for children from more than one family who are not related to you.

Planning to Open Your Gym

Pick an accessible, lucrative location.

As with other types of small businesses, a significant portion of a gym’s success has to do with its location. The location of the gym should be based largely on the population group that it targets. People don’t like having to go far out of the way to fulfill their fitness needs. The best gym locations are in areas where there is demand for a gym, where the gym can be easily accessed by its clientele, and in which competition with other gyms, fitness clubs, etc., is minimal or at least manageable. Below are just a few things you may want to consider when choosing a location for your gym:
Rent. Unless you own your gym’s building outright, you’ll have to pay rent as one of your gym’s operating expenses. Rent can vary from location to location. In wealthy or densely-populated areas, for instance, rent can be very expensive, which can require you to raise membership prices to pay for it.

Proximity to population centers. If your gym is too far away from your clientele, they won’t go to it. Good gym locations should be in or near populated areas or at the very least be easily-accessible via car, bus, train, and so on.
Local market conditions. Finally, the best gym locations are where there is a demand for a gym that isn’t being filled. Opening a gym across the street from an established gym can be a risky move – why deal with the intense competition when you can open a gym in a part of town that is sorely lacking one?

Determine who your gym will target.

Make phone calls or conduct door-to-door surveys to determine not only the age and sex of individuals in the area you wish to target, but also the physical activity level of these residents.

Raise capital or get a loan.

Like any business, opening a gym costs some money. Obtaining the space for your gym, buying equipment, modifying your building to accommodate the needs of your gym, hiring personnel, and registration/licensing fees can all be substantial cost barriers to open your gym. Most small business owners don’t have the money up-front to pay for everything they need to open their business. In these cases, it’s necessary to raise the money somehow — this is usually done by persuading wealthy investors to provide capital or simply by getting a loan.

By some estimates, it can cost anywhere from $200,000 to $500,000, at bare minimum, to open a gym in a place like New York City. For a state of the art gym that features amenities and experienced personnel, the estimates can easily exceed $1 million.

Note that in both of these situations you will almost always be expected to provide a detailed business plan for the benefit of the people or entities providing you with the money to open your business.

This business plan must offer a convincing explanation for how the business can quickly become profitable, or the investors/lenders are unlikely to provide money for your venture.

Consider the option of opening a franchise location.

One potentially lucrative option prospective gym owners have is to open a franchise gym, rather than their own independently-operated gym. In this situation, the owner runs the gym for a large chain with many other locations. The parent company usually covers the initial cost of opening the gym and either provides its own equipment or pays for equipment. However, in a franchise situation, most of the profits from the gym go to the parent company. The franchise location may also be subject to sales quotas.

The parent company also offers its extensive resources to the gym owner, which can include a recognizable, established brand, training opportunities, connections, and financial support during “rough times”.
As with traditional forms of small business financing, franchise opportunities usually require you to submit a detailed business plan to the parent company.

Choosing the activities of the gym

Provide areas and equipment for playing sports.

The best gyms offer a wide variety of exercise opportunities to their clientele. These exercise opportunities should cater to the naturally varying interests of the people who use the gym. One fun, relatively easy-to-provide type of exercise is sports. Many popular types of sports can be relatively cheap to offer and maintain. For instance, all that’s needed for basketball is several regulation-size hoops, which can be placed indoors, outdoors, or both. Below are several types of sports you may want to offer at your gym (and the space and equipment required for each). Note that many gyms offer only a few of these sports, or none at all:

  • Basketball: Regulation-sized hoops and court (can be indoor or outdoor; usually includes regulation floor markings)
  • Soccer: Goals, regulation-sized field with regulation markings.
  • Running: Track; usually includes starting marks and/or distance markers
  • Baseball: Diamond/field or batting cages.
  • Boxing/sparring: Indoor ring or gym, punching bags, gloves, and masks.
  • Swimming: Indoor or outdoor pool. Olympic-sized is ideal but other sizes common.

Buy free weights.

Members of your gym with serious fitness goals will often want to develop muscles, strength, and flexibility. This almost always refers to performing strength building exercises with “free weights” — dumbbells, barbells, kettlebells, and other resistance training tools. Nearly every serious gym will have at least one area of the gym dedicated to housing a wide array of free weights to members. Below are just a few of the types of free weights most serious gyms will offer:

Bench presses
Squat racks
Deadlift mats
Bicep curl racks
Pullup/dip racks
Racks of dumbbells with benches for upper body exercises

Buy isolation machines.

Most modern gyms offer isolation machines (sometimes called “Nautilus” machines after the brand name of a popular supplier) in addition to free weights. These machines allow members to exercise one muscle or group of muscles at a time by using the machine to lift adjustable amounts of weights. Though isolation machines can vary in their usefulness in terms of actual strength-building potential, casual gym members generally enjoy these machines because they make it easy to safely perform weight-lifting exercises. Some types of isolation machines found in most gyms are:
Leg press machines
Lat pulldown machines
Tricep extension machines
Leg extension machines
Chest fly machines
Shoulder press machines

Buy cardio machines.

Today, most gyms are expected to offer multiple options when it comes to cardio. A wide variety of stationary machines allow members to perform cardio exercise without actually moving around the gym. It’s not uncommon for large gyms to have “cardio rooms” packed with dozens of machines. Often, these cardio rooms contain electric fans and television sets to keep members comfortable and entertained while they exercise. Just a few of the types of cardio machines that many gyms offer are:

Stationary bikes
Elliptical trainers
Stair machines
Rowing machines

Offer exercise classes.

For some gym members, part of the benefit of going to a gym (as opposed to exercising at home) is the social aspect. For these people, exercising in the company of others can be more satisfying and rewarding than exercising alone. To cater to this type of clientele, you may want to offer group exercise classes or programs at your gym. These classes can require you to set aside some of the space in your gym and to hire qualified teachers, but you can offset these costs by charging fees for enrolling in these classes. Below are just a few types of fitness classes you may want to offer at your gym:

  • Swimming lessons
  • Martial arts classes
  • Cycling groups
  • Sports camps
  • Yoga
  • Pilates
  • Zumba (or other rhythmic, dance-based exercise opportunities)


Amazon Prime Day is the annual shopping holiday that’s exclusive to Prime subscribers.

This year, Prime Day launches on July 15th, and unlike Black Friday or Cyber Monday, deals last up to 36 hours.

If you don’t have Amazon Prime, you can sign up for a free trial just to take advantage of the deals. You may not find absolutely everything on your wish list during the Prime Day discounts, but it’s the best opportunity to stock up on gifts during the summer months.

Facebook, Instagram and WhatsApp are back in service

After nearly 12 hours, Facebook has finally fixed the bugs and outages affecting Facebook, Instagram, and WhatsApp on Wednesday. If you’ve had trouble accessing pictures or uploading video on the platforms, the outage is the reason why. All three platforms should now be working properly.

Photos and videos on all three services were either broken, not viewable, or difficult to upload. Some people have also reported that mobile apps for each of the networks were crashing as well.

The problems began at 5:45 a.m. PT on Wednesday morning and continued well into the afternoon. Facebook said the issue was resolved and “we should be back at 100%” just after 5 p.m. PT.

Down Detector had been inundated with reports of Facebook, Instagram, and WhatsApp outages mainly affecting U.S. and European users, though people across the world have complained of issues with their images. More than 80% of users reported specific issues with photos on Facebook.

According to those reports, the vast majority of problems with Instagram involved the app’s news feed, as well as uploading and viewing photos.

WhatsApp users are having issues with sending or receiving messages and with the app’s connection to servers.

“We’re aware that some people are having trouble uploading or sending images, videos, and other files on our apps,” Facebook wrote in a statement on Twitter earlier Wednesday morning. “We’re sorry for the trouble and are working to get things back to normal as quickly as possible.”

“During one of our routine maintenance operations, we triggered an issue that is making it difficult for some people to upload or send photos and videos. We’re working to get things back to normal as quickly as possible and we apologize for any inconvenience,” a Facebook spokesperson told CNN Business.

We reached out to Facebook for additional details, but have yet to hear back.

Facebook is the parent company to both Instagram and WhatsApp. Combined, the three platforms have more than 4 billion users.

Twitter had its own issues Wednesday morning: some users were having problems sending and receiving direct messages, according to the Twitter Support account. By 3:30 p.m. PT, Twitter said the issue was “almost at 100% resolved” and that DM functionality should be restored.

Donald John Trump

President of the United States(Net worth US$3.1 billion (March 2019)

Donald John Trump (born June 14, 1946) is the 45th and current president of the United States. Before entering politics, he was a businessman and television personality.

Donald John Trump was born on June 14, 1946, at the Jamaica Hospital in the borough of Queens, New York City. His parents were Frederick Christ Trump, a real estate developer, and Scottish-born housewife Mary Anne MacLeod. Trump grew up in the Jamaica Estates neighborhood of Queens.

Trump grew up with three elder siblings Maryanne, Fred Jr., and Elizabeth as well as a younger brother named Robert. Maryanne was a Federal Appeals Court judge on the Third Circuit, inactive since February 2017; she retired in February 2019, rendering moot a judicial conduct investigation into her alleged participation in fraudulent tax schemes with her siblings.

Trump has five children by three marriages, as well as nine grandchildren. In 1977, Trump married Czech model Ivana Winklmayr (née Zelníčková), at Marble Collegiate Church in Manhattan, in a ceremony performed by the Reverend Norman Vincent Peale. They had three children: Donald Jr. (b. 1977), Ivanka (b. 1981), and Eric (b. 1984). Ivana became a naturalized United States citizen in 1988. The couple divorced in 1992, following Trump’s affair with actress Marla Maples. In October 1993, Maples gave birth to Trump’s daughter, who was named Tiffany in honor of high-end retailer Tiffany & Company. Maples and Trump were married two months later in December 1993 in Manhattan’s Trump-owned (at that time) Plaza Hotel. They divorced in 1999, and Tiffany was raised by Marla in California.

In 1998, Trump met Slovenian model Melania Knauss. She became his third wife when they married in 2005 at Bethesda-by-the-Sea Episcopal Church in Palm Beach, Florida. In 2006, she gained United States citizenship and gave birth to a son, Barron. Melania became First Lady when Trump took office as president in January 2017.


Trump is a Presbyterian. His ancestors were Lutheran on his paternal grandfather’s side in Germany and Presbyterian on his mother’s side in Scotland. His parents married in a Presbyterian church in Manhattan in 1936. As a child, he attended the First Presbyterian Church in Jamaica, Queens, where he had his confirmation. In the 1970s, his parents joined the Marble Collegiate Church in Manhattan, part of the Reformed Church.

Donald Trump’s Wealth

In 1982, Trump was listed on the initial Forbes List of wealthy individuals as having a share of his family’s estimated $200 million net worth. His financial losses in the 1980s caused him to be dropped from the list between 1990 and 1995, and reportedly obliged him to borrow from his siblings’ trusts in 1993. In its 2019 billionaires ranking, Forbes estimated Trump’s net worth at $3.1 billion[a] (715th in the world, 259th in the U.S.) making him one of the richest politicians in American history and the first billionaire American president.


  • Politician
  • Businessman
  • Real estate developer
  • Television personality

History Of Bitcoin (Know More About: Bit Coin)

Bitcoin – $11,748.90(Jun 27 2019)

Bitcoin (₿) is a cryptocurrency, a form of electronic cash founded by Satoshi Nakamoto. It is a decentralized digital currency without a central bank or single administrator that can be sent from user to user on the peer-to-peer bitcoin network without the need for intermediaries.

Creation of Bit Coin

On 3 January 2009, the bitcoin network was created when Nakamoto mined the first block of the chain, known as the genesis block. Embedded in the coinbase of this block was the text “The Times 03/Jan/2009 Chancellor on brink of second bailout for banks“.

The receiver of the first bitcoin transaction was cypherpunk Hal Finney, who created the first reusable proof-of-work system (RPoW) in 2004. Finney downloaded the bitcoin software on its release date, and on 12 January 2009 received ten bitcoins from Nakamoto.

In 2010, the first known commercial transaction using bitcoin occurred when programmer Laszlo Hanyecz bought two Papa John’s pizzas for ₿10,000.

Blockchain analysts estimate that Nakamoto had mined about one million bitcoins before disappearing in 2010, when he handed the network alert key and control of the code repository over to Gavin Andresen. Andresen later became lead developer at the Bitcoin Foundation. Andresen then sought to decentralize control. This left opportunity for controversy to develop over the future development path of bitcoin, in contrast to the perceived authority of Nakamoto’s contributions

Bitcoin price started at $0.30 per bitcoin, the price of bitcoins has gone through cycles of appreciation and depreciation till now 2019, $13,000 is now the price per bitcoin.

Bitcoin prices were negatively affected by several hacks or thefts from cryptocurrency exchanges, including thefts from Coincheck in January 2018, Coinrail and Bithumb in June, and Bancor in July. For the first six months of 2018, $761 million worth of cryptocurrencies was reported stolen from exchanges. Bitcoin’s price was affected even though other cryptocurrencies were stolen at Coinrail and Bancor as investors worried about the security of cryptocurrency exchanges.

Block Chain

In the blockchain, bitcoins are registered to bitcoin addresses. Creating a bitcoin address requires nothing more than picking a random valid private key and computing the corresponding bitcoin address. This computation can be done in a split second. But the reverse, computing the private key of a given bitcoin address, is mathematically unfeasible. Users can tell others or make public a bitcoin address without compromising its corresponding private key.

To be able to spend their bitcoins, the owner must know the corresponding private key and digitally sign the transaction. The network verifies the signature using the public key; the private key is never revealed.
If the private key is lost, the bitcoin network will not recognize any other evidence of ownership; the coins are then unusable, and effectively lost.

To ensure the security of bitcoins, the private key must be kept secret. If the private key is revealed to a third party, e.g. through a data breach, the third party can use it to steal any associated bitcoins. As of December 2017, around 980,000 bitcoins have been stolen from cryptocurrency exchanges.

Satoshi Nakamoto stated in his white paper that: “The root problem with conventional currencies is all the trust that’s required to make it work. The central bank must be trusted not to debase the currency, but the history of fiat currencies is full of breaches of that trust.”

Is bitcoin legal?

The legal status of bitcoin varies substantially from country to country and is still undefined or changing in many of them. Regulations and bans that apply to bitcoin probably extend to similar cryptocurrency systems.

According to the Library of Congress, an “absolute ban” on trading or using cryptocurrencies applies in eight countries: Algeria, Bolivia, Egypt, Iraq, Morocco, Nepal, Pakistan, and the United Arab Emirates. An “implicit ban” applies in another 15 countries, which include Bahrain, Bangladesh, China, Colombia, the Dominican Republic, Indonesia, Iran, Kuwait, Lesotho, Lithuania, Macau, Oman, Qatar, Saudi Arabia and Taiwan.

Are bitcoins ponzi scheme and pyramid scheme?

Various journalists, economists, and the central bank of Estonia have voiced concerns that bitcoin is a Ponzi scheme. In April 2013, Eric Posner, a law professor at the University of Chicago, stated that “a real Ponzi scheme takes fraud; bitcoin, by contrast, seems more like a collective delusion. A July 2014 report by the World Bank concluded that bitcoin was not a deliberate Ponzi scheme.

In June 2014, the Swiss Federal Council examined the concerns that bitcoin might be a pyramid scheme; it concluded that, “Since in the case of bitcoin the typical promises of profits are lacking, it cannot be assumed that bitcoin is a pyramid scheme.” In July 2017, billionaire Howard Marks referred to bitcoin as a pyramid scheme.

Bitcoin is vulnerable to theft through phishing, scamming, and hacking. As of December 2017, around 980,000 bitcoins have been stolen from cryptocurrency exchanges.

Bitcoin value increases above the $13,000 level

Bitcoin rallied above the $13,000 level Wednesday, adding to its double-digit gains this week

The world’s first and largest cryptocurrency soared 15% to a high of $13,485.85 Wednesday afternoon — its highest level since January 2018, according to industry site CoinDesk. The spike brings bitcoin’s one-week gains to more than 40%, and its year-to-date increase to more than 240%.

While bitcoin’s price moves can be opaque, analysts largely attributed the bounce back from 2018 lows to more interest in the space following Facebook’s announcement of a cryptocurrency project, key technical levels being broken, and safe haven buying amidst increasing global tensions and trade wars.

“The scale of the recent appreciation is striking,” Jim Reid, Deutsche Bank’s multi-asset analyst, said in a note to clients Wednesday.

“Obviously recent dovishness from central banks has seen investors look towards alternative currencies, but perhaps Facebook’s unveiling of its Libra currency has seen investors look again at cryptocurrencies with fresh eyes.”

Facebook’s cryptocurrency project “Libra,” which is expected to go live in 2020, will not be controlled or fully run by the tech company, according to its white paper. Stripe, Uber, Mastercard, Visa, PayPal and Spotify are among the dozens of others with stakes in the project.
Bitcoin’s bounce marks a sharp turnaround from a weak performance last year.

It and other cryptocurrencies plunged more than 70% by the end of the year as high-profile hacks, crack-downs on initial coin offerings and the lack of new bitcoin trading offerings, like an exchange traded fund, dampened enthusiasm. Bitcoin started trading this year around the $3,700 level and has more than tripled since. Prices are still short of their all-time high near $20,000 reached in December of 2017.

Bill Gates: Biography, Quotes and Facts

Bill Gates(Second Richest Person In The World)

Net Worth: US$102.4 billion (2019)

Bill Gates is the world’s most admired person especially by me.

Bill Gates was born in Seattle, Washington, on October 28, 1955. He is the son of William H. Gates Sr.[b] (b. 1925) and Mary Maxwell Gates (1929–1994). His ancestry includes English, German, Irish, and Scots-Irish. His father was a prominent lawyer, and his mother served on the board of directors for First Interstate BancSystem and the United Way.

William Henry Gates III (born October 28, 1955) is an American business magnate, investor, author, philanthropist, and humanitarian. He is best known as the principal founder of Microsoft Corporation. During his career at Microsoft, Gates held the positions of chairman, CEO and chief software architect, while also being the largest individual shareholder until May 2014.

Gates is one of the best-known entrepreneurs of the personal computer revolution. He has been criticized for his business tactics, which have been considered anti-competitive. This opinion has been upheld by numerous court rulings.

Since 1987, Gates has been included in the Forbes list of the world’s wealthiest people, an index of the wealthiest documented individuals, excluding and ranking against those with wealth that is not able to be completely ascertained. From 1995 to 2017, he held the Forbes title of the richest person in the world all but four of those years, and held it consistently from March 2014 to July 2017, with an estimated net worth of US$89.9 billion as of October 2017. However, on July 27, 2017, and since October 27, 2017, he has been surpassed by Amazon founder and CEO Jeff Bezos, who had an estimated net worth of US$90.6 billion at the time.

As of August 6, 2018, Gates had a net worth of $95.4 billion, making him the second-richest person in the world, behind Bezos.
Later in his career and since leaving Microsoft, Gates pursued a number of philanthropic endeavors. He donated large amounts of money to various charitable organizations and scientific research programs through the Bill & Melinda Gates Foundation, reported to be the world’s largest private charity. In 2009, Gates and Warren Buffett founded The Giving Pledge, whereby they and other billionaires pledge to give at least half of their wealth to philanthropy. The foundation works to save lives and improve global health, and is working with Rotary International to eliminate polio.

Bill Gates’s Donations

Melinda Gates suggested that people should emulate the philanthropic efforts of the Salwen family, who sold their home and gave away half of its value, as detailed in their book, The Power of Half.Gates and his wife invited Joan Salwen to Seattle to speak about what the family had done, and on December 9, 2010, Bill and Melinda Gates and investor Warren Buffett each signed a commitment they called the “Giving Pledge“, which is a commitment by all three to donate at least half of their wealth, over the course of time, to charity.

Read Full Biography Here

Some Quotes By Bill Gates

  • Your most unhappy customers are your greatest source of learning.
  • Success is a lousy teacher. It seduces smart people into thinking they can’t lose.
  • Life is not fair; get used to it.
  • It’s fine to celebrate success but it is more important to heed the lessons of failure.
  • As we look ahead into the next century, leaders will be those who empower others.

Some Facts About Bill Gates

  • Gates was a National Merit Scholar when he graduated from Lakeside School in 1973.
  • Bill Gates was a college dropout. He left Harvard University in 1975 to fully devote himself to Microsoft.
  • Gates scored 1590 out of 1600 on the Scholastic Aptitude Tests (SAT) and enrolled at Harvard College in the autumn of 1973.
  • Two years after he dropped out of Harvard, Gates was arrested in 1977 for a traffic violation in Albuquerque, New Mexico.
  • Despite his immense wealth, Gates says his kids will only inherit $10 million each which is just a fraction of his $102.4 billion net worth. “Leaving kids massive amounts of money is not a favor to them,” he says.

Facebook creates a new global cryto currency

Facebook is creating a new open-source digital currency called Libra. The goal is for developers to create services for consumers to send money around the world easily and for free. Payment companies like Visa, Stripe and PayPal will help merchants accept Libra

The Libra’s value will be pegged to a basket of major currencies, it will be able to handle large transaction volumes and 28 other big firms say they will join a consortium backing the currency. If Facebook’s 2.4bn users adopt Libra to shop and transfer money, it could become one of the world’s biggest financial entities.

Facebook promises to make life easier and cheaper for billions of people where by people transfer money to friends and firms within a chat app for almost nothing.

Google Calendar Stopped Working

Google Calendar stopped working for many users at approximately 10:22 a.m. EST on Tuesday, June 18.The G Suite Status Dashboard marked a service disruption for Google Calendar at that time but doesn’t specify the cause of the issue, and whether any Google Calendar users can access the service.Visitors who encountered Google Calendar error received a message saying “Not Found, Error 404.” Hundreds of social media users took to Twitter to report the issue as the downtime continued. Google’s Gmail platform also encountered a service disruption a day prior on June 17. Users reported problems accessing Gmail and also said that some spam messages were not being properly filtered from their inboxes.
The Google Calendar outage arrived just hours after G Suite tweeted a message promoting the popular service.Google confirmed the outage when Business Insider reached out for comment, and told social media users it’s working on a fix.

US Fashion Designer and Socialite ‘Gloria Vanderbilt’ dies at 95

Gloria Laura Vanderbilt was an American artist, author, actress, fashion designer, heiress, and socialite. She was a member of the Vanderbilt family of New York and the mother of CNN television anchor Anderson Cooper.

Vanderbilt died at her home in Manhattan on June 17, 2019, aged 95, having been diagnosed with stomach cancer earlier in the month.

The fashion icon, who was married several times, made her name in the 1970s and ’80s as a designer jeans pioneer.

“She was a talented painter, writer, designer and an author.

Vanderbilt’s father died when she was just 18 months, she became a beneficiary of a multimillion-dollar trust fund, Vanderbilt became widely known as the “poor little rich girl”.

Tips on How To Get a Car Loan

Unless you have been saving for a while, buying a new car (or even a pre-owned car that is new to you) will require a car loan. A car loan will finance the purchase for you, allowing you to make regular car payments with interest over a set period of time. Get a car loan by using financing plans at the car dealer or showing up at the dealer with your own approved loan from a financial institution.

Improving Your Chances of Getting a Good Loan

Request a credit report.

Wherever you shop for a loan, the amount of money available to you as well as the interest rate will depend on your credit scores; it is important to know these before you talk to any lenders.
There are three credit bureaus in the U.S.: Equifax, Experian, and TransUnion. All three calculate scores separately and charge a fee to learn your number score. You are entitled to one free report (not including your score) annually, from each of the agencies. You can request this online or reach out to each company by phone:

  1. Equifax: 800-685-1111
  2. Experian: 888-397-3742
  3. TransUnion: 800-888-4213

Request a correction for any mistakes.

If any of your credit reports record debts, late payments, or anything else that lessens your financial reputation, check against your own records and memories. You are free to dispute any false records or those you deem contestable.[3]
All of the credit unions have an option to dispute. Once you have requested a report online, click the “dispute” button. Enter any relevant facts and proof about the things you think are false. The source of that information (i.e. credit card companies, electric/gas providers, etc.) will be sent a notice and will verify your info within 30 days.

Pay off your debts.

Outstanding payments can take many forms: credit card payments; student loans; electric, gas, internet, phone, and water bills; as well as apartment rental fees. With your credit report in hand, identify the various debts you still have and, ideally, pay them off completely. Of course, you may not have the money to do this. Understanding your own personal budget, pay off as much of your debts as possible. Any progress out of debt will be an improvement to your credit score and make you a more attractive borrower to loan lenders.

Establish a place of residence.

Don’t apply for a loan until you have been living in the same place for at least six months. Lenders check addresses and income for all applicants. Those who appear nomadic (moving often) may seem like a poor choice from their perspective.

Establish a stable income.

This is a common mistake for recent graduates, but applies to all loan applicants. Showing that you have a consistent source of income for at least the past six months will also make you a more attractive borrower.

Establish a savings history. Even if it is in small increments, evidence that you can and will consistently save money offers further proof of your financial responsibility. This in turn promotes your likelihood of receiving a loan, because it shows you are also likely to be able to make loan payments.[6]
Take a small portion (5 – 10%) of your monthly income and deposit it in your savings account each time. Over time this will add up and establish your savings history.

Pick a car you can afford.

Keep in mind your credit score and your personal budget. Whether your credit is ‘‘deep subprime’’ (500 and below), ‘‘subprime’’ (501 – 600), ‘‘non prime’’ (601 – 660), or even higher, will affect your choice. For example, with deep subprime credit, if your monthly budget is already slim, then most likely you will want to be looking for a used car. Although it is true new cars often come with lower interest rates, with lower credit scores, you will end up with larger monthly payments that you may not be able to afford.
Online databases like Craigslist, Auto Trader, and eBay Motors are all a good place to begin your search for an affordable car.

Save for a down payment.

Especially for people with subprime credit and below, many loans will entail at least a 10% down payment. It is also possible to trade in other vehicles as down payment, though this may not always be possible. In any case, the more money (or trade value) you present to lenders, the more likely you will be approved.

Prepare the necessary documents.

The main things you will be proving are residency and income. Utility bills, rental agreements, mortgage statements, and in some cases cell phone bills are acceptable proof of residency. Pay stubs, as well as official W-2 or 1099 forms, are most commonly requested to prove income. In the case of food service jobs and other similar positions where much of the income is in cash tips, bring bank statements. If you have been depositing that money, their consistent presence on your bank statements will be reassuring to your lender.[10]
Make sure that your name is printed on all documents.
Documents that are 30 days old or less are preferred.
If you stop making loan payments, repo trucks will come to the address you provide.

Getting Pre-Approved Before Visiting a Dealer

Contact credit unions.

Credit unions are non-profit organizations owned by the members, and are known for offering competitive loan rates.

If you want a car loan with low interest and flexible repayment terms, belonging to a credit union may offer the most attractive option.
Be sure to ask whether they have an approved dealer list. If the car dealer or person you’re doing business with is not included, you will need to look for another lender or perhaps choose a different dealer.

Apply for a car loan through banks.

A car loan from a bank will require better credit and in some cases, a pre-existing banking relationship. Although this option often requires higher credit scores, if you qualify, banks typically offer competitive loan rates.

Inspect the terms and interest rates. The higher credit standards often held by banks usually means they can offer better terms. Use a bank loan only if the interest and payment terms are better than what you find through your other options.
Make sure that the car dealership you are working with is on the bank’s list of approved dealers. Otherwise you will have to find a different lender, or choose another dealer.

Apply through online lenders.

Capital One, Up2Drive, Blue Harbor and other financial institutions offer car financing and often partner with specific dealers to offer low rates on particular cars. Applying online has another advantage because it encourages financial institutions to compete to win you over, and likely will produce a competitive rate.

Be aware that working through online lenders creates the risk of your personal information being shared insecurely. This could lead to you getting contacted by lenders to whom you have no connection. Be safe and check the website with the Better Business Bureau.

Borrow only what you need.

You may have money saved up for a down payment, or you could plan to trade in an old car. Only get a loan for the balance of what your new car will cost.

Shop around.

Before committing to one lender, make sure to contact as many lenders as possible. Compare the interest rates, max amount, and terms of each offer. When looking at loans, you must consider the APR (annual percentage rate) and the term (time period over which it is paid).

Longer terms may seem attractive as they give you more time to pay off a loan. However, depending on the rate you agree upon, a longer term can result in you paying more in interest than you would have with a shorter term.

Cars acquired through long-term loans will build equity more slowly than short-term loans. This means that if you decide to trade-in or sell your car earlier than expected, you won’t earn enough money to pay the remainder of the loan. This is called being upside-down.

Use this outside financing to negotiate with the car dealer.

When you show up with financing already in hand, you are in a strong position to get a better price for the car you want.
See if the dealer can beat the terms for the car loan for which you are already approved. Use your loan as a bargaining chip when you negotiate.

Loaning from a Dealership

Make sure it is your only option.

Car dealerships are notorious for taking advantage of clienteles who come for financing. Before you consider this option, try getting a loan from banks, credit unions, and online lenders. Beware any offers for “spot delivery.”

Dealers offer this before finalizing and signing terms of financing only to force higher rates at a later date. Read the complete wording of any contracts and agreements you sign.

Review state laws surrounding auto financing. In some cases, like Illinois, the dealer is required to return your down payment and/or trade in should they be unable to find financing at the rate stated in your contract.

Find the car’s true value.

Dealers may try to sell cars to you for far more than they are worth. Similarly, they may try to make a profit on auto loans. Talk with your personal bank or credit union for advice on the vehicle’s value. Keep this in mind during negotiations.
Kelley Blue Book and Edmunds both offer helpful search engines as a resource to find used and new cars’ true value.

Come armed with all your credit information.

The first thing the dealer will do when you apply for a car loan is run a credit check. Know where you stand before you apply so they cannot use your ignorance to negotiate a bad deal. Similarly, bring any pre-approved loans you have acquired with you. Your knowledge will be a powerful bargaining tool and protect you against unfair or deceitful business tactics.

Talk to your salesperson about any current deals.

Some dealerships will offer zero percent financing or allow you to skip your first couple of car payments. This will also depend on your credit.
Do the math. Getting your car loan from the dealer means you run the risk of confusing the actual price of the car with what you will pay on a monthly basis after the interest and other financing costs are considered. Be aware of how much you can afford to pay each month, but do not tell the salesperson.
Negotiate for the lowest price on the car with the confidence you gained through researching your credit and other loan options.

Settle on the price of the car when you are negotiating, not the monthly car payment.

Make a down payment or offer a trade-in.

When you obtain your car loan through the dealer, a larger down payment or a valuable trade-in will help you reach better financing terms.

Avoid any scams.

Some dealers will use deceitful tricks to gouge more money from people, or try to include attractive but unnecessary costs in the deal. The most common in car dealerships are the yo-yo trap and upselling.

The yo-yo trap involves offering conditional financing so purchasers can take home their car that day. Days or weeks later, the dealer will call and say the financing won’t go through and you now have to pay a higher interest rate. To avoid this, tell the dealer you won’t accept delivery of the car until financing is final.
Upselling focuses on selling you add-ons like extended warranties and rustproofing during the negotiation of financing. You can purchase any of these things after the fact. Be sure to exclude them from the conversation until financing and car cost are decided in print and signed.

Review the details of your loan in writing.

Make sure you understand the price of the car, associated costs, the amount of your down payment, the interest rate, what your monthly car payment will be, when it will be due and how long until you have the car paid off

Jay-Z is the first hip hop’s billionaire

Jay-Z is officially hip hop’s first billionaire, Forbes has declared, after building an empire based on music, property, fashion and investments.

The US magazine has estimated that the rapper’s wealth now “conservatively totals” $1bn (£800m).

Forbes says the husband of singer Beyonce has succeeded because he built brands rather than just endorsed them.

In its rankings, Forbes rejected claims that rapper and producer Dr Dre had reached billionaire status.

Jay-Z, born Shawn Carter, grew in one of New York City’s most notorious areas.

He hit fame in 1996 with his debut album Reasonable Doubt. His 2001 album The Blueprint was in March added to the Library of Congress’ National Recording Registry because it was deemed “culturally, historically, or aesthetically significant”.

Forbes said it had estimated Jay-Z’s wealth by adding various assets and then “subtracting a healthy amount to account for a superstar lifestyle”.

Among the 49-year-old’s assets are:

A $75m music catalogue
Stakes in Armand de Brignac champagne and D’Usse cognac, worth $410m in total
A stake in Uber worth about $70m
Property in fashionable parts of New York and Los Angeles
A $100m stake in the music streaming service Tidal
An art collection valued about $50m
His superstar wife is reportedly worth about $335m, made mostly from music and endorsements, and the couple have had a joint net worth over $1bn for several years.

Jay-Z, who once rapped “I’m not a businessman, I’m a business, man”, is one of only a handful of entertainers to become billionaires, according to Forbes.

It was often assumed that Dr Dre reached billionaire status in 2014 after selling his Beats headphone business to Apple. But last year Forbes put his personal wealth at about $770m.

Image copyright AXELLE/BAUER-GRIFFIN Dr Dre
Image caption Dr Dre is not a billionaire – at least according to Forbes
Kasseem “Swizz Beatz” Dean, the producer behind some of Jay-Z’s biggest hits, told Forbes that the rapper’s success is “bigger than hip-hop”.

He said: “It’s the blueprint for our culture. A guy that looks like us, sounds like us, loves us, made it to something that we always felt that was above us.”

Jay-Z appears on the the front cover of the latest Forbes magazine alongside another – wealthier – billionaire, Warren Buffet.

It appears that the legendary investor, 40 years his senior, spotted something special in the rapper a few years ago, telling Forbes in 2010: “Jay is teaching in a lot bigger classroom than I’ll ever teach in. For a young person growing up, he’s the guy to learn from.”

British Prime Minister Theresa May Quits Over Failure To Deliver Brexit

According to BBC news, Theresa May has said she will quit Conservative leader on 7 June, paving the way for a contest to decide a new prime minister.

In an emotional statement, she said she had done her best to deliver Brexit and it was a matter of “deep regret” that she had been unable to do so.

Mrs May said she would continue to serve as PM while a Conservative leadership contest takes place.

The party said it hoped a new leader could be in place by the end of July.

It means Mrs May will still be prime minister when US President Donald Trump makes his state visit to the UK at the start of June.

Asked about the prime minister’s announcement, Mr Trump said: “I feel badly for Theresa. I like her very much. She’s a good woman. She worked very hard. She’s very strong.”

Mrs May said she would step down as Tory leader on 7 June and had agreed with the chairman of Tory backbenchers that the contest to replace her should begin the following week.

Foreign Secretary Jeremy Hunt has become the latest MP to say that he will run, joining Boris Johnson, Esther McVey and Rory Stewart. More than a dozen other MPs are believed to be seriously considering entering the contest.

But it meant this very private politician had few true friends to help when things turned sour, and neither the powers of patronage, nor the capability to schmooze or arm twist to get people around to her point of view.

Few of her cabinet colleagues, even now, know her well at all, one saying that “as things got harder the circle got smaller”. Another revealed that “there was no trust, and no faith”.

Settling the Tories’ decades-long dispute over Europe was always perhaps beyond just one leader. But the wounds have got more painful under her leadership, rather than fading away.

In her statement, delivered in Downing Street, Mrs May said she had done “everything I can” to convince MPs to support the withdrawal deal she had negotiated with the European Union but it was now in the “best interests of the country for a new prime minister to lead that effort”.

She added that, in order to deliver Brexit, her successor would have to build agreement in Parliament.

“Such a consensus can only be reached if those on all sides of the debate are willing to compromise,” she said.

Theresa May at the top. [ Nearly 3 years as prime minister, following David Cameron ] [ 6 years before that, as home secretary ],[ Failed to win 2017 general election outright, but stayed PM ],[ Remain voter in the 2016 EU referendum ],[ Brexit dominated her time at 10 Downing Street ],
Mrs May’s voice shook as she ended her speech saying: “I will shortly leave the job that it has been the honour of my life to hold. The second female prime minister, but certainly not the last.

I do so with no ill will, but with enormous and enduring gratitude to have had the opportunity to serve the country I love.”

The prime minister had faced a backlash from her MPs after announcing her latest Brexit plan earlier this week, which included concessions aimed at attracting cross-party support.

The Conservative Party said the likely timetable for the leadership contest was that nominations would close during the week beginning 10 June, with candidates whittled down to the final two to by the end of the month.

Those names would then be put to a vote of party members before the end of July.

Former foreign secretary Boris Johnson, who is seen as the front-runner to succeed Mrs May, told an economic conference in Switzerland on Friday: “We will leave the EU on October 31, deal or no deal.”

He said a new leader would have “the opportunity to do things differently”.

Labour Leader Jeremy Corbyn said Mrs May had been “right to resign” and that the Conservative Party was now “disintegrating”.

Foreign Secretary Jeremy Hunt called her a “true public servant” and Chancellor Philip Hammond said it had been a “privilege” to serve alongside her.

Mrs May’s predecessor, David Cameron – who resigned as prime minister after campaigning for Remain and losing the referendum – said she should be thanked for her “tireless efforts”.

He added: “I know how painful it is to accept that your time is up and a new leader is required. She has made the right decision – and I hope that the spirit of compromise is continued.”

How to start a business in a small town.

Starting a business in a small town can be a great way to test the waters for your product or service. Your competition is limited in a small town and advertising costs can be lower than in major cities. Oftentimes, word of mouth is the fastest and best advertising. Here’s what you need to know to start a business in a small town.

Look around the community to see what need is not being met.

If your idea is to start a printing business, scour the region to see who your competition is and what services they don’t offer. Remember that you must have a passion for that type of work, since entrepreneurs work long hours.

Research how much money, education and help you’ll need for your small business.

Look around your community to ensure that there is adequate infrastructure for your idea. For example, if your business will be entirely dependent on worldwide, overnight delivery services, you’ll want to make sure your town has at least two freight carriers to meet this need.

Draft your business plan, then share it with a business expert from your nearest educationalist institute or government agency to determine the feasibility of your idea.

A local chamber of commerce or small business support group can assist you in finding the right person to talk to.

Pick a suitable location for your business and check with local zoning experts to ensure you obtain the correct permits for the location.

Almost all small town governments require permits to start a new business, even if the business will be home-based. If your operation will be located in a commercial district, you’ll probably need many more permits for zoning, parking, employees and more.

Join your town’s chamber of commerce.

Business chambers are located around the world and they offer great benefits to new businesses by providing low cost advertising opportunities within the local community. In rural areas, oftentimes business chambers in neighboring cities will allow members to promote their services there too. In a small town, joining a chamber of commerce is also a great way to know what’s going on in the community.

Promote your new small town business by joining local merchant associations and sponsoring events and sports teams.

Introduce yourself to your community by attending these events and remember to hand out business cards so people remember you helped with the event.

Get to know local businesses in your industry to see if there is a way you can support each other by reselling each other’s services, otherwise known as “co-operation.”

For example, if you make fresh bagels, meet with local coffee shops and ask if they would like to carry your bagels. In return, you can give your customers promotional coupons for that merchant with every order.

Tips on starting online business

Putting up an online business may be easy or hard, depending upon whether you did your research well and laid down all the groundwork before you began. You can make money out of an online business if you execute the necessary steps and do not miss out on some of the essentials that are needed for an online business to succeed.

Most hosted ecommerce shopping cart providers offer free trial periods which you could use make use of to build your webstore and learn how to run it.

Find a business system that has been proven successful.

A thing that needs to be ironed out for your online business is your billing service. While there are businesses that may bill their clients directly after a contract has been agreed upon and signed and these bills are paid for through checks that are deposited into the service provider’s bank account, there are some clients who require a certain online billing system for them to pay for the services they have contracted. You may need to register with a billing system like PayPal for your online business to make billing and payment easier and less of a hassle to you and your clients.

Be interactive with the customer

Ask them about the products, offer them post sale service. Wish them on the occasions like Birthday, Marriage Anniversary, and others. Offer them discount as returning visitors.

Demand for products

Check the products and services offered are in demand or not in the area where the business is going to target
After 2014 Google’s algorithms changed to give priority to rich content, consider writing creative and write content that keeps users intrigued to ultimately sell your product without much effort.


  • PayPal is limited as a payment processor because when people use their debit/credit cards through them they lose the ability to get refunds directly.
    Keep in mind that it is a business. Learn from your failures but also the success of others. Be a willing and eager student.
    Never give out your money to anyone to show you how to make money. Please be very cautious before spending a penny.
    Watch out for website hosting and building services that do not handhold you through the process of building an e-commerce website
  • Keep in mind that it is a business. Learn from your failures but also the success of others. Be a willing and eager student.
    Never give out your money to anyone to show you how to make money. Please be very cautious before spending a penny.
    Watch out for website hosting and building services that do not handhold you through the process of building an e-commerce website

Tips on starting small business

Starting a small business is without a doubt a large undertaking, but it is fortunately something that can be attained by anybody with a good idea, a strong work ethic, and a good set of resources. Starting a business involves thinking of a business concept, writing a business plan, understanding the financial side, and finally marketing and launching.

Always provide value and service.

Always provide value and service to those who may be your customers, even if they are not currently. When they do need your product, you want them to think of you first.

Use the Internet

With the advent of the internet, online businesses are probably the easiest way to start and very much less expensive in terms of start-up cost than a bricks-and-mortar counterpart.

Keep learning, and be adaptable to change.

Find buddies, mentors, local business-related organizations and Internet forums, to discuss the daily details of running a small business. It’s much easier for everyone to perform their core businesses well and prosper when they don’t waste time and energy “reinventing the wheel” on housekeeping.

Most direct selling companies have low start up capital compared to a traditional brick and mortar business.

You can also break even rather quickly compared to the traditional business.

You can also consider trading on eBay or Overstock.

It is ok to start small with one or two products and then add more and more great ideas as you go!

Don’t be afraid to experiment with prices.

You should determine the minimum price for your product or service to break even, but experiment with low-price or premium-price variations.

Always believe in yourself even when financial money is down hill.

Take risks.

Nothing is get without any risk. So, whenever there are chances of risk, do not fear.

Be confident and have a good mind about everything you do.

Also, be prepared for all the unsuccessful times that may occur.

When you have launched your business, take criticism and praise constructively.

These comments can be valuable education for starting your new business. It will also help you to build your business to higher standards.

Beware of people who ask for money before giving you business.

Trade leads to prosperity through mutual gain, so a business should be willing to pay you to work for it. (A franchise store or home-sales business may have legitimate start-up costs, but they should reflect a reasonable cost of getting you started in the business so the managers would make money through your success, rather than just by getting you in.)

Beware of business propositions that seem to offer “something for nothing.”

They probably involve taking something from somebody—usually you. There are innumerable variations, some more polished than others. Examples include pyramid schemes and advance-fee fraud

US blocks China Mobile bid to provide telecom services

US regulators on Thursday denied a request by China Mobile to operate in the US market and provide international telecommunications services, saying links to the Chinese government pose a national security risk.

The Federal Communications Commission said that because of China Mobile USA’s ownership and control by the Chinese government, allowing it into the US market “would raise substantial and serious national security and law enforcement risks.”
The decision brings the Chinese telecoms giant’s eight-year effort to crack the US market to an end.