How long has it been? Wow!! Never thought I could stay away this long. You see, my employers had this funny idea that they wanted to assign me a higher responsibility job. Now they got me coming home late and all tired- out like I could barely watch the evening news before I crash!
Situation like this is why I want to be financially free. Which is how come I ran into
http://www.grantsforyounow.com/
of Lisa Fitzgerald, and
http://www.emillionaire.com/
of Brock Felt.
These sites promised to refund my money if their program was not okay by me. Well they took my money alright and sold me nothing. Worse still, they have refused to refund my money. Fitzgerald $94.89, and Felt $197.
Somebody should have these crooks arrested for crying out loud! Stealing is not right no matter by whatever shade it comes.
I am still a man. A black one, an african. I am a Nigerian. Yes! I am a NIGERIAN. I am a christian. I follow Christ. I am a person. Am a man who'd rather starve than loose my integrity. And you see, there is good and bad everywhere, afterall.
26.4.09
28.2.09
Love is forever!
Well, that was a serious one. Wow! I have to give you my apologies for not meeting up with my promised everyday update to val's day. Over here we say, as you people over there know too, that ' man proposes and God disposes!'
Well, it's all over and done with, but love continues. Hope you had a nice experience. Lets get on with living.
I want you to know that I realize that I have a thousand things going on here on my blog, as revealed by my recent google adwords site analysis. And that might not be too cool for you, you wanting to straight-jacket me, you know! Well, heck ' I aint gonna fall for this' Take me as I am. I got to be me. I just got to be me. Let me be free to coin whatever the universe says to me.
Thanks for indulging me.
Well, it's all over and done with, but love continues. Hope you had a nice experience. Lets get on with living.
I want you to know that I realize that I have a thousand things going on here on my blog, as revealed by my recent google adwords site analysis. And that might not be too cool for you, you wanting to straight-jacket me, you know! Well, heck ' I aint gonna fall for this' Take me as I am. I got to be me. I just got to be me. Let me be free to coin whatever the universe says to me.
Thanks for indulging me.
13.2.09
Get The Best Out of Your Bank
You can learn to use your bank. Your bank wants you to use them. It is in your favour to use your bank well. I have often spoken with bank customers who say things like ' I don't want to be seen to be troubling you' or ' You may start thinking I come to the bank too often' You have to be visible to your bankers. By this I mean transaction-wise. It is the record of activities on your account that gives your bank an idea of how your account is performing.
. Some bank customers make the mistake of assuming that accumulating deposit only into their accounts is what their bank wants. Not so. You need to bring in and take out, bring in and take out, bring and take out ! This shows balanced activity. Shows your operation is dynamic. It is a healthy flow. You use money and you make money which you bring back to the bank.
Your bank will be more willing to listen to you when you want to talk because you have a real account picture. A picture which shows you know what you are doing and that you have a healthy financial habit and life. There is no other compelling way to assess your financial skill other than reviewing your account history.
. Some other bank customers mis-out on another opportunity to enhance their account picture when they pay cash directly into another person's account in the same bank when they have the need to do that.
Here's what I mean : A and B have their accounts in Mybank plc. A is obligated to make a payment of 50 units of money into B's account for value received. The long term beneficial way for A to do this is to pass the money through her account into B's, (even if the cash was not already in the account of A). Unfortunately, often, if A brought the cash fresh for the payment she pays the money directly into B's account -thereby missing an opportunity to enhance her account position by hitting it with the activities ( the deposit and transfer ). She thinks she has done smart by avoiding her account, and possibly the charges she may have paid. In this way she throws away so many position building opportunities. When she needs assistance from her bank, she sadly discovers she has not created sufficient history to help her request. Note also that some banks with well articulated IT program do not even make charges for intra-bank fund movements, to begin with.
. Leverage on your bank's fund. You can get rich using your bank's money for a fee, usually called interest charges. You have more money to execute your works than you would using your own earnings and this affords you a greater capacity. This interest charge is spread over the duration of the facility granted, and as such the impact is not as painful as those who are wont to dread bank charges would imagine. Usually, interest charges are set when the loan or overdraft is being set-up, meaning it is programmed into the bank's process software, and normaly the output does not vary from the original instruction. However, atimes you see interest charges either failing to drop on schedule or wrong amount is calculated to the disadvantage of the customer. The customer could contest both these grounds and get reprieval or reduction respectively. Even an outright waiver of the remainder of interest could be granted the customer, upon application, in cases where the interest payment has been going on for a very long time, albeit within the agreement.
. Another bank charge called commission on turnover ( COT ) is one which also causes customers to be unhappy. Simply, COT is the product of 1/1000 of the value of all cheques drawn on a current account over a period of charge (usually a month) multiplied by the rate applied by the bank. What most customer's do not know is that this rate can be bargained. All the customer has to do is ask. If you do not ask, the bank won't yield any ground. Unfortunately, your bank will usually start you off on the maximum rate. And you will stay on it until you find out by yourself that you could negotiate it downwards.
. Some bank customers make the mistake of assuming that accumulating deposit only into their accounts is what their bank wants. Not so. You need to bring in and take out, bring in and take out, bring and take out ! This shows balanced activity. Shows your operation is dynamic. It is a healthy flow. You use money and you make money which you bring back to the bank.
Your bank will be more willing to listen to you when you want to talk because you have a real account picture. A picture which shows you know what you are doing and that you have a healthy financial habit and life. There is no other compelling way to assess your financial skill other than reviewing your account history.
. Some other bank customers mis-out on another opportunity to enhance their account picture when they pay cash directly into another person's account in the same bank when they have the need to do that.
Here's what I mean : A and B have their accounts in Mybank plc. A is obligated to make a payment of 50 units of money into B's account for value received. The long term beneficial way for A to do this is to pass the money through her account into B's, (even if the cash was not already in the account of A). Unfortunately, often, if A brought the cash fresh for the payment she pays the money directly into B's account -thereby missing an opportunity to enhance her account position by hitting it with the activities ( the deposit and transfer ). She thinks she has done smart by avoiding her account, and possibly the charges she may have paid. In this way she throws away so many position building opportunities. When she needs assistance from her bank, she sadly discovers she has not created sufficient history to help her request. Note also that some banks with well articulated IT program do not even make charges for intra-bank fund movements, to begin with.
. Leverage on your bank's fund. You can get rich using your bank's money for a fee, usually called interest charges. You have more money to execute your works than you would using your own earnings and this affords you a greater capacity. This interest charge is spread over the duration of the facility granted, and as such the impact is not as painful as those who are wont to dread bank charges would imagine. Usually, interest charges are set when the loan or overdraft is being set-up, meaning it is programmed into the bank's process software, and normaly the output does not vary from the original instruction. However, atimes you see interest charges either failing to drop on schedule or wrong amount is calculated to the disadvantage of the customer. The customer could contest both these grounds and get reprieval or reduction respectively. Even an outright waiver of the remainder of interest could be granted the customer, upon application, in cases where the interest payment has been going on for a very long time, albeit within the agreement.
. Another bank charge called commission on turnover ( COT ) is one which also causes customers to be unhappy. Simply, COT is the product of 1/1000 of the value of all cheques drawn on a current account over a period of charge (usually a month) multiplied by the rate applied by the bank. What most customer's do not know is that this rate can be bargained. All the customer has to do is ask. If you do not ask, the bank won't yield any ground. Unfortunately, your bank will usually start you off on the maximum rate. And you will stay on it until you find out by yourself that you could negotiate it downwards.
31.1.09
We Want to Stay Loved
Not long ago the frenzy of end of year festivities was hot. Now a few weeks on we are soon to be caught up again in another bang of celebration. 14th of February. St. Valentine's day.
And I wish that all God's children, which we all are, would truly live in love with our neighbours the world over.
How good and pleasant it will be when we all dwell in unity. The good feelings that pervade the air during Val's day celeb should go on throughout life. Daily. Not the erotic feeling between man and woman only, but brotherly love. The like I figure existed between David and Jonathan. The world would be a place probably greater than the garden of Eden, if we do.
Remember I have been sharing my songs' lyrics with you, a serial for the Val's day. Well, here's one I feel suits my drift today. Hope you enjoy it.
'Wanna Stay Loved!
When there's no more thing to feel
When there's no more love for me
That's the time that I don't wanna see
That time is not for you, not for me :
got to be loved
those little things you do mean much to me
wanna stay loved
those meaningless words you say count too much
you may not know, but you make me so strong
I find my joy in hearing you just ramble on
and no matter what time says
what situation is
I'll be satisfied with you
always...........my love !
Sometime in life we've all had to cry
Sometime in life we've all needed change
Well, love is something I never understood,
How I could get hung on someone this way !
(Again I implore you to note that these are copyright-protected works. Should you desire to use any of them, be good and ask properly) Thanks.
And I wish that all God's children, which we all are, would truly live in love with our neighbours the world over.
How good and pleasant it will be when we all dwell in unity. The good feelings that pervade the air during Val's day celeb should go on throughout life. Daily. Not the erotic feeling between man and woman only, but brotherly love. The like I figure existed between David and Jonathan. The world would be a place probably greater than the garden of Eden, if we do.
Remember I have been sharing my songs' lyrics with you, a serial for the Val's day. Well, here's one I feel suits my drift today. Hope you enjoy it.
'Wanna Stay Loved!
When there's no more thing to feel
When there's no more love for me
That's the time that I don't wanna see
That time is not for you, not for me :
got to be loved
those little things you do mean much to me
wanna stay loved
those meaningless words you say count too much
you may not know, but you make me so strong
I find my joy in hearing you just ramble on
and no matter what time says
what situation is
I'll be satisfied with you
always...........my love !
Sometime in life we've all had to cry
Sometime in life we've all needed change
Well, love is something I never understood,
How I could get hung on someone this way !
(Again I implore you to note that these are copyright-protected works. Should you desire to use any of them, be good and ask properly) Thanks.
20.1.09
Say This !
Well, here comes the day.
Congratulations America as Barak Obama leads you today.
Here's the next song counting down to Val's day :
Say This !
Lovers have said it all.
Through the years they have painted
Love in words.
And am feeling sort of small -
What can I really feign that's
Not been said !
But I have to
Say this to you
In my simple way .... My heart longs for you.
( I've just got to ) Say this to you
Please, be my friend .... My soul longs for you !
Lovers have lived in time,
Love I could never match - up
No, not I.
But, this way I feel is mine.
I won't claim I could stir - up
Your heart to mine !
(Well, that's it) See you on the next one.
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