- Draw Up A Budget. Review the past few months of your account statements and categorize your spending. Create categories such as groceries, entertainment, PHCN bills, dining out, pharmacy, food and automobile expenses. This helps you understand where your money is going and identify the places you can stop the leakage.
- Look for areas in the budget that can be reduced. Limit
dining out by cooking more at home. Reduce utility expenses by rate
shopping or asking for bundled services. Remove excess services from
cell phones, cable plans, and other such expenses.
- Review your new budget at the end of the month to see if the reductions helped you to save towards your goals. Reassess if any areas need to be increased or if more reductions can be made. Remember to move all money recovered as a result of your spending reduction to a specific savings vehicle that will ensure you are working towards your goal savings goals.
- Try to earn more money to add to your savings. Ask for overtime or extra shifts at your job if possible for more pay. Establish a small business on the side. Look for more ways to earn extra cash besides your 9-5, but remember to place all this money directly into savings to avoid splurging!
- Save for One Goal at a Time. It’s much easier to focus on one goal with as much force as possible, than to spread yourself out over multiple goals. You won’t always have only one savings goal, but if you can phase them out and put timelines to each, it would be better to do so.
- Push Yourself to Reach it Quicker. By determining how long you’d like to take to reach the goal, you’ve given yourself a maximum amount of time necessary. Aim to hit it quicker by adding any bonuses, gifts, and raises you get.
- Make it Part of Your Spending Routine. If you’re at the supermarket or out at the mall, think about what you’re spending money on: could you get something cheaper (or not at all) and put the difference toward your savings.
Wednesday, 23 April 2014
Saving Tips
Monday, 6 January 2014
Inter-ethnic Marriages Or NYSC Which Can Promote National Integration Better?
Let your posts start running in>....
Saturday, 4 January 2014
GIST ALWAYS: MY LETTER TO YOU ALL
GIST ALWAYS: MY LETTER TO YOU ALL
Its a year of Open Letters. Karena makes it. Dovemart's open letter is coming soon. Watch out !!!
Its a year of Open Letters. Karena makes it. Dovemart's open letter is coming soon. Watch out !!!
Saturday, 28 December 2013
Friday, 20 September 2013
Manual about Office Romance
I hate long write-ups as much as you do, so i shall keep this as short as possible 
Love can be found anywhere and anytime, so inasmuch as most females people tend to shy away or despise dating a co-worker, the power of cupid could still trap you in the office. It is not advisable but then if you just have to do it, here are a few tips, pros and cons attached to office romance for you.
TIPS*
1. Don't mix business with pleasure on work time. Agree to date out of work hours.
2. Stay fair! Do not give unnecessary work favours or better pay to your partner or worse punishments when you break up
3. Make sure He/She is single! Abeg no allow all those Carmen Luvana office Indecency scenes get into your head. Don't let the wrong voyeuristic intimate reasons influence you into luring another person's half in the office
PROS AND CONS
Pros:
1. You know he or she has a job and also know how productive he/she is. That's a fat plus!
2. You have a lot in common and you both can be more productive in and out of work due to similar interests.
3. There is better understanding of each other's work schedule. No need for suspicions and none of you can get angry if the other has to work late because you understand whats involved.
Cons:
1. If you break up or have a fight, you won't get as much space and respite you may need to cool down due to your frequent ''sighting'' of your partner
2. Too many gossiping about you and your partner will do your reputation at work more harm than good.
3. You might be under constant pressure to make a good impression since you don't want to belittle yourself or mess up things in the presence of your partner and that might lead you into making fatal mistakes.
You can add more tips, merits/demerits and your opinions about office romance.
Love can be found anywhere and anytime, so inasmuch as most females people tend to shy away or despise dating a co-worker, the power of cupid could still trap you in the office. It is not advisable but then if you just have to do it, here are a few tips, pros and cons attached to office romance for you.
TIPS*
1. Don't mix business with pleasure on work time. Agree to date out of work hours.
2. Stay fair! Do not give unnecessary work favours or better pay to your partner or worse punishments when you break up
3. Make sure He/She is single! Abeg no allow all those Carmen Luvana office Indecency scenes get into your head. Don't let the wrong voyeuristic
PROS AND CONS
Pros:
1. You know he or she has a job and also know how productive he/she is. That's a fat plus!
2. You have a lot in common and you both can be more productive in and out of work due to similar interests.
3. There is better understanding of each other's work schedule. No need for suspicions and none of you can get angry if the other has to work late because you understand whats involved.
Cons:
1. If you break up or have a fight, you won't get as much space and respite you may need to cool down due to your frequent ''sighting'' of your partner
2. Too many gossiping about you and your partner will do your reputation at work more harm than good.
3. You might be under constant pressure to make a good impression since you don't want to belittle yourself or mess up things in the presence of your partner and that might lead you into making fatal mistakes.
You can add more tips, merits/demerits and your opinions about office romance.
Friday, 5 July 2013
Your Comments Online Could Land You In Jail
All over the world, the social media has provided individuals with the
opportunity to express themselves. Unlike real life situations where
social etiquette and manners are largely restrictive and limiting,
people tend to have a greater sense of freedom in expressing their
interests, feelings, ideas, views and opinions on social media.
While browsing the comment sections of some news websites, blogs, forums and discussion groups, this reporter often stumbles on touchy comments or reactions by online readers whenever they feel disenchanted by the subject of a certain news story.
For example, Jonathan’s adventure and engagement with Nigerians on Facebook has made him one of the most insulted personalities on the social network. Many Nigerians who object to his policies have taken advantage of the social media to continually criticise and hurl insults and abuses at him at every opportunity.
Besides, despite Facebook’s Statement of Rights and Responsibilities, which clearly warns users to respect the rights of other people and to avoid posting content or taking any action on Facebook that infringes or violates someone else’s rights, it is common to see some people commit slander, spread lies or use lewd and profane languages to hurt others.
It is so easy for someone to upload a video on YouTube, start a group on Facebook, tweet a statement on Twitter or open a blog and start writing to attack another person’s reputation. The spontaneity with which messages go viral on the Internet further complicates matters.
However, legal experts in Nigeria warn that social media users who engage in the act of damaging people’s reputation need to retrace their steps.
According to them, the absence of a comprehensive law in the country, since Nigeria has yet to have specific laws addressing slander committed via social networks, should not be seen as providing a leeway for citizens to engage in such despicable acts.
They argue that the Evidence Act as amended in 2011 makes provision for the admissibility of computer generated evidence to prove such cases in the law court.
The Chairman of the Nigeria Bar Association, Ikeja Branch, Mr. Monday Ubani, notes that messages, which defame other people on social networks have assumed alarming dimension.
Ubani says anyone who suffers acts of defamation on social media could, as a result of the amended section of the Evidence Act, seek redress in court.
Describing defamation as a dual-nature offence, which makes it either a civil wrong or a criminal act, he says the civil form of defamation seeks to protect one’s reputation and good name from being tainted. In criminal defamation, the law seeks to prevent a situation, especially on the part of State, where public peace is endangered.
He says, “Section 84 of the Evidence Act, as amended in 2011, makes provision for admissibility of computer-generated evidence, and such evidence(s) of defamation on social networks will be acceptable when tendered once the complainant, can establish the source of the evidence; and the process of collecting the evidence can be certified.
“If the accused is found guilty in the case of criminal form of defamation, he or she risks jail term. Section 375 of the Criminal Code classifies defamation as a misdemeanour and when found liable, the accused faces a sentence of one year imprisonment.
“But if you publish a defamatory comment or material and it could be proved that the accused knows full well that the statement is false before publishing on the said medium, the accused if convicted will be sentenced to two year imprisonment.
“However, Section 376 of the Criminal Code frowns at people who defame other people’s character with the intent to extort or induce the affected person to part with money or property. Such acts are classified as felony and if found guilty, the accused risks seven years’ imprisonment for the injuries and damages done.’’
Ubani says the civil form of defamation could make the defendants pay huge sums of money in terms of remedies after determination of such suits. He advises Nigerians who make avid use of the social media to be careful with what they post on social networks as it could backfire.
Stemming from the absence of a clear-cut comprehensive law in the country guiding people’s modus operandi on social platforms, Ubani urged the National Assembly to make laws that would protect citizens from suffering injuries as a result of defamation on social media.
“We are in a digital generation and the National Assembly should move with the times. We need a substantive law that would protect people from character assassination and defamation on social platforms. We cannot continue to dwell on old laws in this age,” he adds.All over the world, the social media has provided individuals with the opportunity to express themselves. Unlike real life situations where social etiquette and manners are largely restrictive and limiting, people tend to have a greater sense of freedom in expressing their interests, feelings, ideas, views and opinions on social media. While browsing the comment sections of some news websites, blogs, forums and discussion groups, this reporter often stumbles on touchy comments or reactions by online readers whenever they feel disenchanted by the subject of a certain news story. For example, Jonathan’s adventure and engagement with Nigerians on Facebook has made him one of the most insulted personalities on the social network. Many Nigerians who object to his policies have taken advantage of the social media to continually criticise and hurl insults and abuses at him at every opportunity. Besides, despite Facebook’s Statement of Rights and Responsibilities, which clearly warns users to respect the rights of other people and to avoid posting content or taking any action on Facebook that infringes or violates someone else’s rights, it is common to see some people commit slander, spread lies or use lewd and profane languages to hurt others. It is so easy for someone to upload a video on YouTube, start a group on Facebook, tweet a statement on Twitter or open a blog and start writing to attack another person’s reputation. The spontaneity with which messages go viral on the Internet further complicates matters. However, legal experts in Nigeria warn that social media users who engage in the act of damaging people’s reputation need to retrace their steps. According to them, the absence of a comprehensive law in the country, since Nigeria has yet to have specific laws addressing slander committed via social networks, should not be seen as providing a leeway for citizens to engage in such despicable acts. They argue that the Evidence Act as amended in 2011 makes provision for the admissibility of computer generated evidence to prove such cases in the law court. The Chairman of the Nigeria Bar Association, Ikeja Branch, Mr. Monday Ubani, notes that messages, which defame other people on social networks have assumed alarming dimension. Ubani says anyone who suffers acts of defamation on social media could, as a result of the amended section of the Evidence Act, seek redress in court. Describing defamation as a dual-nature offence, which makes it either a civil wrong or a criminal act, he says the civil form of defamation seeks to protect one’s reputation and good name from being tainted. In criminal defamation, the law seeks to prevent a situation, especially on the part of State, where public peace is endangered. He says, “Section 84 of the Evidence Act, as amended in 2011, makes provision for admissibility of computer-generated evidence, and such evidence(s) of defamation on social networks will be acceptable when tendered once the complainant, can establish the source of the evidence; and the process of collecting the evidence can be certified. “If the accused is found guilty in the case of criminal form of defamation, he or she risks jail term. Section 375 of the Criminal Code classifies defamation as a misdemeanour and when found liable, the accused faces a sentence of one year imprisonment. “But if you publish a defamatory comment or material and it could be proved that the accused knows full well that the statement is false before publishing on the said medium, the accused if convicted will be sentenced to two year imprisonment. “However, Section 376 of the Criminal Code frowns at people who defame other people’s character with the intent to extort or induce the affected person to part with money or property. Such acts are classified as felony and if found guilty, the accused risks seven years’ imprisonment for the injuries and damages done.’’ Ubani says the civil form of defamation could make the defendants pay huge sums of money in terms of remedies after determination of such suits. He advises Nigerians who make avid use of the social media to be careful with what they post on social networks as it could backfire. Stemming from the absence of a clear-cut comprehensive law in the country guiding people’s modus operandi on social platforms, Ubani urged the National Assembly to make laws that would protect citizens from suffering injuries as a result of defamation on social media. “We are in a digital generation and the National Assembly should move with the times. We need a substantive law that would protect people from character assassination and defamation on social platforms. We cannot continue to dwell on old laws in this age,” he adds.
While browsing the comment sections of some news websites, blogs, forums and discussion groups, this reporter often stumbles on touchy comments or reactions by online readers whenever they feel disenchanted by the subject of a certain news story.
For example, Jonathan’s adventure and engagement with Nigerians on Facebook has made him one of the most insulted personalities on the social network. Many Nigerians who object to his policies have taken advantage of the social media to continually criticise and hurl insults and abuses at him at every opportunity.
Besides, despite Facebook’s Statement of Rights and Responsibilities, which clearly warns users to respect the rights of other people and to avoid posting content or taking any action on Facebook that infringes or violates someone else’s rights, it is common to see some people commit slander, spread lies or use lewd and profane languages to hurt others.
It is so easy for someone to upload a video on YouTube, start a group on Facebook, tweet a statement on Twitter or open a blog and start writing to attack another person’s reputation. The spontaneity with which messages go viral on the Internet further complicates matters.
However, legal experts in Nigeria warn that social media users who engage in the act of damaging people’s reputation need to retrace their steps.
According to them, the absence of a comprehensive law in the country, since Nigeria has yet to have specific laws addressing slander committed via social networks, should not be seen as providing a leeway for citizens to engage in such despicable acts.
They argue that the Evidence Act as amended in 2011 makes provision for the admissibility of computer generated evidence to prove such cases in the law court.
The Chairman of the Nigeria Bar Association, Ikeja Branch, Mr. Monday Ubani, notes that messages, which defame other people on social networks have assumed alarming dimension.
Ubani says anyone who suffers acts of defamation on social media could, as a result of the amended section of the Evidence Act, seek redress in court.
Describing defamation as a dual-nature offence, which makes it either a civil wrong or a criminal act, he says the civil form of defamation seeks to protect one’s reputation and good name from being tainted. In criminal defamation, the law seeks to prevent a situation, especially on the part of State, where public peace is endangered.
He says, “Section 84 of the Evidence Act, as amended in 2011, makes provision for admissibility of computer-generated evidence, and such evidence(s) of defamation on social networks will be acceptable when tendered once the complainant, can establish the source of the evidence; and the process of collecting the evidence can be certified.
“If the accused is found guilty in the case of criminal form of defamation, he or she risks jail term. Section 375 of the Criminal Code classifies defamation as a misdemeanour and when found liable, the accused faces a sentence of one year imprisonment.
“But if you publish a defamatory comment or material and it could be proved that the accused knows full well that the statement is false before publishing on the said medium, the accused if convicted will be sentenced to two year imprisonment.
“However, Section 376 of the Criminal Code frowns at people who defame other people’s character with the intent to extort or induce the affected person to part with money or property. Such acts are classified as felony and if found guilty, the accused risks seven years’ imprisonment for the injuries and damages done.’’
Ubani says the civil form of defamation could make the defendants pay huge sums of money in terms of remedies after determination of such suits. He advises Nigerians who make avid use of the social media to be careful with what they post on social networks as it could backfire.
Stemming from the absence of a clear-cut comprehensive law in the country guiding people’s modus operandi on social platforms, Ubani urged the National Assembly to make laws that would protect citizens from suffering injuries as a result of defamation on social media.
“We are in a digital generation and the National Assembly should move with the times. We need a substantive law that would protect people from character assassination and defamation on social platforms. We cannot continue to dwell on old laws in this age,” he adds.All over the world, the social media has provided individuals with the opportunity to express themselves. Unlike real life situations where social etiquette and manners are largely restrictive and limiting, people tend to have a greater sense of freedom in expressing their interests, feelings, ideas, views and opinions on social media. While browsing the comment sections of some news websites, blogs, forums and discussion groups, this reporter often stumbles on touchy comments or reactions by online readers whenever they feel disenchanted by the subject of a certain news story. For example, Jonathan’s adventure and engagement with Nigerians on Facebook has made him one of the most insulted personalities on the social network. Many Nigerians who object to his policies have taken advantage of the social media to continually criticise and hurl insults and abuses at him at every opportunity. Besides, despite Facebook’s Statement of Rights and Responsibilities, which clearly warns users to respect the rights of other people and to avoid posting content or taking any action on Facebook that infringes or violates someone else’s rights, it is common to see some people commit slander, spread lies or use lewd and profane languages to hurt others. It is so easy for someone to upload a video on YouTube, start a group on Facebook, tweet a statement on Twitter or open a blog and start writing to attack another person’s reputation. The spontaneity with which messages go viral on the Internet further complicates matters. However, legal experts in Nigeria warn that social media users who engage in the act of damaging people’s reputation need to retrace their steps. According to them, the absence of a comprehensive law in the country, since Nigeria has yet to have specific laws addressing slander committed via social networks, should not be seen as providing a leeway for citizens to engage in such despicable acts. They argue that the Evidence Act as amended in 2011 makes provision for the admissibility of computer generated evidence to prove such cases in the law court. The Chairman of the Nigeria Bar Association, Ikeja Branch, Mr. Monday Ubani, notes that messages, which defame other people on social networks have assumed alarming dimension. Ubani says anyone who suffers acts of defamation on social media could, as a result of the amended section of the Evidence Act, seek redress in court. Describing defamation as a dual-nature offence, which makes it either a civil wrong or a criminal act, he says the civil form of defamation seeks to protect one’s reputation and good name from being tainted. In criminal defamation, the law seeks to prevent a situation, especially on the part of State, where public peace is endangered. He says, “Section 84 of the Evidence Act, as amended in 2011, makes provision for admissibility of computer-generated evidence, and such evidence(s) of defamation on social networks will be acceptable when tendered once the complainant, can establish the source of the evidence; and the process of collecting the evidence can be certified. “If the accused is found guilty in the case of criminal form of defamation, he or she risks jail term. Section 375 of the Criminal Code classifies defamation as a misdemeanour and when found liable, the accused faces a sentence of one year imprisonment. “But if you publish a defamatory comment or material and it could be proved that the accused knows full well that the statement is false before publishing on the said medium, the accused if convicted will be sentenced to two year imprisonment. “However, Section 376 of the Criminal Code frowns at people who defame other people’s character with the intent to extort or induce the affected person to part with money or property. Such acts are classified as felony and if found guilty, the accused risks seven years’ imprisonment for the injuries and damages done.’’ Ubani says the civil form of defamation could make the defendants pay huge sums of money in terms of remedies after determination of such suits. He advises Nigerians who make avid use of the social media to be careful with what they post on social networks as it could backfire. Stemming from the absence of a clear-cut comprehensive law in the country guiding people’s modus operandi on social platforms, Ubani urged the National Assembly to make laws that would protect citizens from suffering injuries as a result of defamation on social media. “We are in a digital generation and the National Assembly should move with the times. We need a substantive law that would protect people from character assassination and defamation on social platforms. We cannot continue to dwell on old laws in this age,” he adds.
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