JOB HUNTING TIP 2: Say the truth and nothing but!

JOB HUNTING TIP 2: Say the truth and nothing but!

Dear job hunter, are you prepared for that moment in your job hunting quest you sit face to face with an intended employer?

Preparation involves crossing all your Ts and dotting all your Is; and one of the first things to get sorted is the accuracy of the information on your documents/resume.

In this video, job hunter Fish wants a job so bad but endangers an opportunity he had to get it. Why? His information on paper didn’t tally with his answers.

Don’t be put in this precarious situation.

Ensure that all information on your documents are up to date and accurate.

Don’t search the ceiling for answers when your interviewer asks if he can call one of your referees, and his choice happens to be that one referee who passed on three months ago but you forgot to edit your resume and replace his name.

Don’t be tempted to lie about your age just because you’ve searched endlessly for a job and the organization specified a certain age which is above or below your current age. You may end up blurting it out during your interview under pressure and spoil any chance of getting hired. Bottom line, be truthful with every information you share whether written or verbal. Lies always have a way of coming back to bite you.

It’s a tough world out in the labour market. When job hunting, make the best of an opportunity you get for an interview by doing a basic cross-check and a few necessary edits.

Need more helpful tips as you search for your ideal job? Then follow the Diary of a Job Hunter series every week. You’ll learn a few things that will come in handy when that job interview email, call or text hits your phone.

Meanwhile, watch Fish’s interview blunder in this funny video and don’t forget to stop over next Friday for job seeker tip three. Till then!

The post JOB HUNTING TIP 2: Say the truth and nothing but! appeared first on Realising Ambitions.

Source: Blog

In the news: Investors anticipate N62.4bn maturing T-Bills

In the news: Investors anticipate N62.4bn maturing T-Bills

Punch

Police exit threatens N6.4tn pension funds

A bill to amend the Pension Reform Act 2014 that will lead to the exclusion of members of the Nigeria Police Force, the Nigerian Security and Civil Defence Corps, Nigeria Customs Service, Nigerian Prison Service, Nigeria Immigration Service and the Economic and Financial Crimes Commission from the Contributory Pension Scheme and other related matters has been of concern to stakeholders in the pension industry.

Nigeria, Morocco collaborate on agric insurance

Nigeria and Morocco have set up a steering committee to develop a sustainable crop insurance scheme for the country.

Lafarge, COREN collaborate on concrete mix design manual

Lafarge Africa Plc has partnered the Council for the Regulation of Engineering in Nigeria for the research and development of Nigeria’s first concrete mix design manual.

US, FG back 20,000bpd oil refinery in Lagos

The construction of a 20,000-barrels-per-day crude oil refinery in Lagos by a Nigerian petrochemical and refining company has received a major boost with the signing of a grant by the United States Trade and Development Agency.

This Day

FG Warns of Beef, Dairy Products Scarcity

The federal government has raised the alarm on the rising demand for beef in the country, vis-a-vis its availability, saying the gap could lead to the scarcity of beef and dairy products in the country.

Kachikwu: Lack of Access to Finance Hampering Construction of 33 Private Refineries

The difficulties faced by private investors in accessing finance to complete detailed engineering analysis and commence construction work after obtaining the approval to construct (ATC) is the major challenge that hampers the execution of majority of the 33 private refineries licenced by the federal government.

CBN in Stringent Surveillance of Bank Customers’ Naira-denominated Card Usage

The Central Bank of Nigeria (CBN) yesterday disclosed that it was closely monitoring the usage of naira-denominated cards for international transactions by bank customers, following the recent increase in the monthly spending limit announced by several commercial banks.

Investors Await N62.4bn Maturing Treasury Bill

Treasury bills maturity of 91-day and 182-day worth N62.4billion are expected to hit the market this week.

Saraki Promises Swift Passage of Petroleum Industry Bill Components

The President of the Senate, Dr. Bukola Saraki, has said that the passage of the Administrative and Fiscal Policy Bills for the petroleum industry will be key issues for the Senate when it resumes after its annual recess.

Vanguard

Buhari’s govt revival of 11 fertiliser plant leading to export – FEPSAN

The Executive Secretary of the Fertiliser Producers and Suppliers Association (FEPSAN), Alhaji Ahmed Rabiu Kwa, says Nigeria will begin to export fertiliser in the next five years going by the programme of the Presidential Fertiliser Initiative (PFI).

N230bn inflow to lift market liquidity, moderate cost of funds

The interbank money market  will, this week, receive boost of N230 billion inflow, with moderation in cost of funds.

Guardian

Equities market close bullish, indices up by N33b

Whether the bullish run will sustain this week at the nation’s equities market will depend on the quality of half year (H1) results the tier-one banks will unveil in the days ahead.

Labour unions, Akeredolu disagree over N7.6b Paris Club loan refunds

Labour unions in Ondo State have disagreed with Governor Rotimi Akeredolu over factional payment of their outstanding salaries after receiving N7.6 billion Paris Club Loan refunds.

The Nation

$60m World Bank project for Abia: Abia State has received $60 million (about N21 billion) to execute a World Bank-assisted Rural Access and Mobility Project (RAMP).

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Source: Blog

A rewarding investment…

A rewarding investment…

They say August is the month of new beginnings. Well, maybe it is. August is however also holiday month for a lot of people. It is the time to travel with the children, put them in summer camps or have those schooling abroad come home for some family time. While occupying children during the holiday requires a bit of planning and budgeting, August more importantly heralds a new school year for your child’s education.

Yes, we are relieved the kids are returning to school, but we are also aware of the financial commitment that will accompany the new school year. In less than a month, school fees, hostel fees and other educational levies must be paid. If we are at that stage where the kids are going off to university or secondary school next year, we may want to start planning now. It is never early to start planning for the years ahead. You might want to buy property in the country where you would like your children to school or put funds away for the years ahead.

Although you might not consider it as such, but the thousands of Dollars/Pounds or millions of Naira you shell out regularly to finance your child’s education is in every way an investment. It is an investment in your child’s ambition, a deposit made into their future. While the returns may not be measurable in currency notes, this investment is by all means the most rewarding of your investments and should not be handled with levity.

An investment of such great magnitude deserves to be protected in every way possible. It is important that regardless of the turn of events, your child is able to get the quality of education you desire for him/her.

Whatever stage your child is on the education ladder, a Trust is extremely beneficial. You could want to build up funds for your child’s education in the future or ensure continuity of the same quality of education in the face of unforeseen circumstances. There is so much you can benefit from setting up a Trust.

Wondering what a Trust entails and how it can benefit you particularly? Talk to us today, let us collaborate with you to map out a fool-proof plan to finance their education and secure your children’s future.

Click here to schedule a meeting with your Relationship manager.

Trust

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Source: Blog

August Break…Preparing for your child’s education

August Break…Preparing for your child’s education

They say August is the month of new beginnings. Well, maybe it is. August is however also holiday month for a lot of people. It is the time to travel with the children, put them in summer camps or have those schooling abroad come home for some family time. While occupying children during the holiday requires a bit of planning and budgeting, August more importantly heralds a new school year for your child’s education.

Yes, we are relieved the kids are returning to school, but we are also aware of the financial commitment that will accompany the new school year. In less than a month, school fees, hostel fees and other educational levies must be paid. If we are that stage where the kids are going off to university or secondary school next year, we may want to start planning now. It is never early to start planning for the years ahead. You might want to buy property in the country where you would like your children to school or put funds away for the years ahead.

Although you might not consider it as such, but the thousands of Dollars/Pounds or millions of Naira you shell out regularly to finance your child’s education is in every way an investment. It is an investment in your child’s ambition, a deposit made into their future. While the returns may not be measurable in currency notes, this investment is by all means the most rewarding of your investments and should not be handled with levity.

An investment of such great magnitude deserves to be protected in every way possible. It is important that regardless of the turn of events, your child is able to get the quality of education you desire for him/her.

Whatever stage your child is on the education ladder, a Trust is extremely beneficial. You could want to build up funds for your child’s education in the future or ensure continuity of the same quality of education in the face of unforeseen circumstances. There is so much you can benefit from setting up a Trust.

Wondering what a Trust entails and how it can benefit you particularly? Talk to us today, let us collaborate with you to map out a fool-proof plan to finance their education and secure your children’s future.

Click here to schedule a meeting with your Relationship manager.

The post August Break…Preparing for your child’s education appeared first on Realising Ambitions.

Source: Articles

Don’t ask me to trust him!

Don’t ask me to trust him!

Cynthia looked at the wall clock for the umpteenth time, willing time to fly. It was barely 15 minutes into the one-hour counselling session and she was already exasperated. Much as she loved her job as a marriage/relationship counsellor, there were those days and those couples capable of making her rethink her career choice. The Agbabiakas were on the top of that list. How they manage to stay married is nothing short of a miracle. Mrs Agbabiaka disbelieves everything her husband says, certain he has coloured the truth, at best. Mr Agbabiaka is tired of being perpetually labelled a liar. If only his wife would trust him!

Before you label Mrs Agbabiaka an unrepentant doubting Thomas, you might want a sneak peek into her history. Her father started the trail when he persistently lied to her mother that he had an active textile business in Lome. He would go for days and return with goodies for the family. It was only after his life was cut short in a Customs shoot-out that they realised he was a smuggler. Her uncle reinforced the lying trend with the empty promises he made to take care of her and her siblings. She ended up hawking on the streets after he took away everything her father left behind for them. Kunle, the love of her youth too could never be caught telling the truth and Ben, the sales boy she employed when her provision store started to thrive would effortlessly triumph at a lying competition.

To cap it up, Mr Agbabiaka had also lied to her, that one time, when he told her he was off to a business meeting when he was actually hanging out with the boys. If not for Gregory, his loud-mouthed friend who asked how he was coping with the hang over after last night’s fun, she would never have known. He says he only lied that one time, but who can tell? Who knows what else he is lying about? Heaven forbids that she trusts a lying man.

Trust! That thing everyone gives sparingly. Every time someone demands your trust, you weigh them to determine their integrity level. Previous actions and the opinion of other people about them often inform your decision to place or withdraw your Trust. That is why we are confident to demand your Trust. It is because we can boast of a track record of keeping our word.  It is because of the clients whose children could complete their education because they Trusted us. It is because of the numerous assets we have successfully managed for tons of people and our consistency at delivering on the wishes of our clients. Setting up a Trust  means you trust us to manage your assets, preserve your legacy, protect your loved ones, and follow your wishes to the letter.

Wondering what will happen to your assets should anything happen to you? Want to ensure a seamless transition of your assets to those you love without any hassle? Looking for a fool proof way to preserve your legacy and manage your estate?

Trust

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Source: Realising Ambitions

In the news: External reserve hits 2 year high

In the news: External reserve hits 2 year high

Punch

FG approves MTEF, targets 7% growth by 2020

The Federal Executive Council on Wednesday approved the 2018-2020 Medium-Term Expenditure Framework and Fiscal Strategy Paper, which hopes to achieve seven per cent growth rate by 2020.

FEC approves domestic debt refinancing into $3bn T-bills

The Federal Executive Council on Wednesday approved the refinancing of the country’s domestic debts into treasury bills worth $3bn, as part of the overall strategy of government to reduce the cost of borrowing.

First oil expected from Egina field in Q4 2018

Egina oil field, a major deep water development in Nigeria, is expected to achieve first oil in the fourth quarter of 2018, with a capacity to increase the nation’s oil production by 200,000 barrels per day.

Naira sustains gain at parallel market

The naira on Wednesday appreciated against the dollar at the parallel market, exchanging at N363 to the dollar from the N364 posted on Tuesday.

Nigeria loses N11tn to power sector corruption — SERAP

A new report on Wednesday indicated that over N11tn meant to provide adequate electricity in the country was squandered under the governments of former Presidents Olusegun Obasanjo, Umaru Yar’Adua and Goodluck Jonathan.

This Day

Pan Ocean’s Amukpe Pipeline to Boost Nigeria’s Crude Exports by 160,000bpd

Pan Ocean’s Amukpe-Escravos Pipeline Project (AEPP) in Delta State, which is scheduled to come on stream before the end of the third quarter of 2017, will boost Nigeria’s crude oil exports by 160,000 barrels per day and also serve as an alternative to the much troubled Trans Forcados Pipeline (TFP) for oil companies operating in the western Niger Delta, the company has said.

IMF: Informal Economy Not Enough to Handle Africa’s Workforce Explosion

By 2035, sub-Saharan Africa will have more working-age people than the rest of the world’s regions combined and this growing workforce will have to be met with jobs.

Guardian

Investors’ wealth appreciate by N214b in three trading days

Following price gains recorded by most highly capitalized stocks, equity transactions on the trading floor of Nigerian Stock Exchange (NSE), remained upbeat yesterday, as investors’ wealth appreciated by N214billion in three trading days.

Vanguard

External reserve hits 2yr high as Naira appreciates in NAFEX

Then nation’s external reserve has risen to a two year high of $31.2 billion even as the naira yesterday appreciated to N367.5 kobo at the Investors & Exporters (I&E) window.
Reuters

Nigeria to raise 62.4 bln naira in Treasury bills next week

Nigeria plans to sell 62.43 billion naira ($171 mln) of treasury bills at an auction next Wednesday, the central bank said on Wednesday.

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Source: Blog

ECONOMIC UPDATE: JULY 2017

ECONOMIC UPDATE: JULY 2017

According to this Economic Update, the spread between BDC and I&E window rates narrowed from 4% in April to 0.1% in July 2 save for the official rate.

FMDQ ignites further FX liquidity flame:

In more recent development, the FMDQ selected Bloomberg as a partner saddled with the responsibility to report transactions in the I&E window electronically and enhance price discovery and transparency. Consequently, Bloomberg’s USDNGN reporting became based on the I&E window as opposed to the CBN-determined SMIS interbank rate. In our view, the increase in FX turnover at the I&E window and an overall improvement in liquidity level guided the decision. We also think the move was effected to fast-track the synchronization of FX rates  in Nigeria.  This, in our view, should boost investor confidence in Nigeria’s currency markets in the near term and, by extension, bolster portfolio flows into naira assets as well as leave the I&E window relatively greased with dollar supply.

 

Transport inflation to bow to lower diesel prices:

In June, headline inflation moderated 15bps from prior month’s reading to 16.1% YoY following temperance in core inflation which more than offset extended pressures on food inflation. Going forward, the more robust cut in diesel prices effected by the NNPC in late June should positively impact the HWEGF division as well as stoke moderation in transport inflation in the coming reading. Thus, we project sustained downtrend in core inflation.  Similarly, a strong correlation between transport prices and food inflation speaks to softer food price growth farther out. Overall, impact of our expectations for the duo should sustain the currently moderating inflation trajectory in the coming months with headline reading expected to print at 15.8% YoY in July.

 

CBN goes tough on banks to extend tightening drive:

The naira yield curve contracted at the fastest pace since the turn of the year in July, largely reflecting yield downtrend at the short end of the curve. In our view, the decline in T-Bill yields reflected increased purchase of bills by banks following sustained issuance of stabilization securities which raised the opportunity cost of sitting on excess liquidity. The CBN, faced with increases in market liquidity, forced debited banks to the tune of N471 billion via stabilization securities in June—with 61% of the issuance occurring on the 29th of June and at below market rate of 16%.

 

July PMI: Tentative signs of an economic recovery:

PMI sustained its expansionary trend in July, with manufacturing and non-manufacturing readings printing at 54.1 and 54.4 points respectively. Although the PMI is not always a seamless guide, sustained improvements in its reading provide some support to expectations of imminent economic recovery. Given the optimistic outlook for business at the start of the H2 17, which was largely hinged on improved dollar liquidity and higher prices, we see scope for further improvements in manufacturing and services GDP growths in Q3 17. Juxtaposing the mentioned with expectations of higher oil production and sustained CBN support to the agricultural sector, we now forecast GDP growth of 0.4% YoY in the third quarter of 2017.

 

Read more on our economic update here

 

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Source: Blog

SUMMARY OF NEWS

SUMMARY OF NEWS

Punch

NBET, TCN demand N35.4bn electricity payments from Benin, Niger

The Nigerian Bulk Electricity Trading Plc and the Transmission Company of Nigeria have jointly written to power firms of the Republics of Benin and Niger, demanding the payment of an outstanding $115.91m (about N35.4bn at the official exchange rate of N305 to a dollar) for electricity supplied to both countries from Nigeria.

PFAs invest N4.2bn pension funds in infrastructure

Pension Fund Administrators have gradually increased the amount of funds invested in infrastructure under the Contributory Pension Scheme to N4.2bn.

NSE market capitalization hits N13tn mark, amid Nestle gain

The Nigerian Stock Exchange market capitalization on Tuesday hit the N13tn mark, barely three weeks it crossed N12tn market, amid Nestle gain.

OPEC: Oil producers committed to output cut deal

A technical panel including members of the Saudi-led cartel and other oil producers said on Tuesday that they remained committed to cutting output and stemming the collapse in oil prices

The Nation

EFCC traces N47b, $487m to ex-Oil Minister Diezani

The Economic and Financial Crimes Commission(EFCC) has so far traced N47.2 billion and $487.5million to the ex-minister. The agency also claimed that Mrs. Alison Madueke has N23,446,300,000 and $5milion (about N1.5billion) cash in various banks.

MAN: Domestic manufacturing value hits N5.2tr

The Manufacturers Association of Nigeria (MAN) has said the estimated value of manufacturing in the country during the second half of last year reached N5.02 trillion  as against N4.08 trillion of the corresponding period of the previous year.

Guardian

Nigeria records less than 0.5 per cent oil savings in 11 years

Despite generating revenue from crude oil export from 2005 to 2015, Nigeria recorded less than 0.5 per cent savings in its Excess Crude Account (ECA), according to the Nigeria Extractive Industries Transparency Initiative (NEITI).

Forte Oil restrategizes to grow market share

Forte Oil Plc has unfolded plans to increase market share in the industry through the acquisition of strategic partnership and joint ventures for local refining of petroleum products.

This Day

FG Withdraws Suit against Seven Banks over TSA

The federal government has filed a notice of discontinuance of a suit it filed before Justice Chuka Obiozor of a Federal High Court in Lagos against seven banks for allegedly withholding $793.2 million from the federation account.

Vanguard

Nigeria’s crude oil output rise to 2.06m b/d in July — FG

Nigeria’s average oil production including condensates, increased to 2.06 million barrels per day (mb/d) last month, from 2.05 million b/d in June, as the country continued to ramp up production amidst retention of output concession from the Organization of Petroleum Exporting Countries (OPEC), the Ministry of Petroleum Resources has revealed.

Business Day

Cash crunch delays Q2 GDP, July Inflation report

The economic lift that would come from the confirmation that Nigeria has exited recession will now have to wait a bit longer as the much awaited Gross Domestic Product (GDP) report for the second quarter of 2017 has been postponed due to lack of funds to mobilize the required data.

 

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Source: Blog

Neymar and Mbappe’s club transfer millions

Neymar and Mbappe’s club transfer millions

The 25-year-old FC Barcelona star player Neymar da Silva Santos Júnior, is in the football club transfer news for all the juicy reasons. Paris Saint-Germain have paid the £199million buy-out clause in his contract with Barcelona and take him to Ligue 1 for the 2017/18 season. This transfer is already sealed, making it the highest football club payment ever to be made for a player.

Riding alongside this financially monstrous deal, is the rumoured buy-out of Monaco teenage ‘wonderboy’ Kylian Mbappe by Real Madrid for a staggering £160 million club transfer. The news broadcast is buzzing with the transfer news and Nigerians have already whipped out their calculators to find out the hourly, daily and weekly breakdown of these huge amounts.

Nigerians don’t want N30 billion in their accounts…

No way! How can they when some ‘small boys’ are getting paid jaw-dropping amounts yearly for playing football. They are not carried away anymore by Davido’s N30 billion croon, they are now after the bigger bucks.

The breakdown of Neymar’s new transfer fund has left many Nigerians wishing their parents had forgotten about education and had put them in a football academy instead. Some even want to reduce their ages and pursue a football career, all in a bid to get a bite out of the scrumptious package the high paid footballers enjoy.

Even if your earnings are not as robust as Neymar’s, you still need to plan towards a financially free future. Here are a few tips to help you plan.

Decide to stay out of debt: When you make up your mind to spend reasonably, you can control your expenditure while still meeting basic needs and enjoying guilty pleasures from time to time. All these begin with a consciousness of priorities and a clear vision of a financially free future.

Lay out a financial map: By understanding exactly how much you earn and realizing that it may not always be so, you can set the wheels in motion to prepare or hire someone to prepare a financial map that detail your earnings (net income preferably), expenses, debts (if any) and investments. If there are debts, list them from smallest to biggest, and attack the smallest ones first while making minimum payments on the rest. You must avoid consolidating loans and similar methods of getting out of debt.

Keep lifestyle in check: Avoid living a financially loud life. Instead look for ways to ensure consistent earning even upon retirement by investing wisely.

Once you learn to prioritize, plan and have your spending under control, life before and after retirement will be a financially enjoyable one.

 

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Source: Blog

Watch the trailer: Diary of a Job Hunter

Watch the trailer: Diary of a Job Hunter

Watch the trailer: Diary of a Job Hunter

Showing every friday and featuring Fish Entertainer, the “Diary of a job Hunter” is an online series that captures the experiences of job seekers in their quest to land their dream job.

Stay tuned for the premiere on August 4!

The post Watch the trailer: Diary of a Job Hunter appeared first on ARM Pensions.

Source: Job Hunter

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Source: Realising Ambitions