Tuesday, 24 September 2013

YOUTHS: YOUTHFUL AND USEFUL



INTRODUCTION
Do you know the richest place on earth? This place is not the o il rich fields of the Niger Delta or one of the eight most industrialized nations in the world. This place of endless riches is not in the Middle East; where there’s rich black gold buried deep beneath the Earth’s surface- or is this place in South Africa where there is a plethora of gold mines? The wealthiest place in the world is a cemetery. Now one would ask, “For what justifiable reason is the wealthiest place in the world a cemetery?” Simply put, in a cemetery, you will find that there are books that were never written. There are songs that were never sung. There are ideas that were never acted upon-dreams that were long forgotten. If one were to die today, then what ideas and what aspirations would die with him or her? And the immediate contingencies that relied on the survival of such a daydream would eventually perish with the transient dream. Will your dreams and aspirations be buried with you? Will you contribute assets to the cemetery or will you leave them fulfilled here on earth? You should recall quickly examples of youths that through their little usefulness have made extra-ordinary innovations. Mark Zukengberg- The face book guy. Ben Carson--- the neurosurgeon.
With the above précis, this lecture becomes very important in considering the youthful energy vis-à-vis usefulness as the presupposed product of that enthusiastic energy. But what is the situation of our youths these days? 
YOUTHS IN THIS CHANGING WORLD: A PARADIGM SHIFT TO WHAT?
In our country Nigeria, we see two level visions of people: we see those visionary, creative, innovative, inventive and energetic young men and women who have risen to greatness and fame by claiming the margins of their lives in their professions; people who have made progressive leaps in the development and realization of the worthwhile purpose of their lives; people who have a burning desire, an unflinching commitment and a passionate determination to attain their goals and to realize their visions. We see young people of illuminating intelligence and great aspirations whose ideas and money rule the world; people who are consumed by the desire to make a difference; young people who have followed the compass guiding their lives of purpose.
On the other hand, we see a bandwagon of young people who have lost focus, who have no vision for their lives, people who are tossed by the winds of change and the tide of time; young men and women whose lives have become stale and have lost the steam of purpose. We see young boys and girls whose lives have become citadels of immorality, permissiveness and corrupt behaviour. We see a host of young people given to the free reins of drug, crime, prostitution, abnormal sexual behaviour (homosexuality and gay-marriage). We see young men who have no fire burning in their bellies, people with not hope, and no vision for the future, no initiative, no creativity, people who live life as it comes!
While on the first level, we have people who are striving to live a fruitful and successful life, on the second level vision, we have people who have failed to live life fully and fruitfully. And between these two groups of people, there is a great gap, the gap between the achievers, the leaders and the spectators and wanderers. We may ascribe many efficient causes to the reasons why some people are successful and others are not. For some poverty is the cause, for others, poor background, lack of the basic necessities of life, lack of the resources for good education and a host of other social and cultural conditions. These are the reasons they advance for their failures in life. For those who succeed in life, what are their reasons? Many of us will probably say they came from wealthy homes with good background, they were well exposed; they had the best education and so on. In general fashion, people tend to identify successful people with their wealthy family background while they identify people who are not successful in life with a cycle of poverty down their family line. This is a traditional fallacy we have to break out from.
The real gap between the successful people and the not successful people is not wealth or poverty but simply ATTITUDE. We are familiar with the maxim that “Your attitude determines your altitude.” It is the way you see and visualize life that determines how far you can climb on the ladder of success and how long you can sustain yourself on that ladder. No one climbs the ladder of a successful life hands-free. You have to commit yourself, and that commitment is attitude. William James, the famous American pragmatist and psychologist once remarked that “The greatest discovery of my generation is that people can alter their lives by altering their attitude of mind.” Attitude is everything. Between stimulus and response, man has the ability to choose. Within the freedom to choose are those endowments that make us uniquely human. In addition to self-awareness, we have imagination- the ability to create in our minds beyond our present reality. We have conscience- a deep inner awareness of right and wrong, of the principles that govern our behaviour, and a sense of the degree to which our thoughts and actions are in harmony with them. And we have an independent will- to act based on our self-awareness, free of all other influences.
YOUTHS AND THE TEMPTATION OF FREEDOM: YOUR LIFE IS YOUR DECISION
Definitely, as young people we desire freedom, to live stress-free lives; to enjoy everything, and to have it all. We have forgotten that we cannot eat our cake and have it back. We are therefore created to be youthful and useful in the hands of God. It is not that we will be prayer warriors or spiritual singers or prophets and prophetesses. But we must live a life that changes others. We must be men and women of value. It is even said that we are not living until we are of value to our society, our community, and our world. Many youths are filled with talents but they have decided to use those talents for the devil. Many talents like singing, persuasion, talking, but all these have been used for the devil. The decision is yours to make your life the way it will be. The way you lay your bed shall you lie on it. The values you appreciate and uphold now will definitely shape the future of our country that is why the youths are regarded as leaders of tomorrow; the more reason why the Church has painstakingly taken interest in the youths of the society. It is simple, if the youths are neglected, the future of the church is neglected, if the society fails to train her youth, it is joyfully preparing for a doom that will be both catastrophic and diabolic.      
THE THREE LEVELS OF USEFULNESS
Useful as an adjective can be construed as having a practical or beneficial use. Synonyms could be noteful, serviceable, and utilitarian. Usefulness has three tiers
Usefulness to oneself:  The bedrock of frustration is when one is useless to himself or herself. There is no communication of usefulness to the environment when one cannot in himself ascertain that he or she is happy and fulfilled. As a matter of fact, everything we do in life tends towards making ourselves happy and useful to ourselves first before any other entity.  One is useful to himself when he sees that his achievements have met his desire or in line with his desire- when his decisions lead to his development, growth and advancement. On the other hand, you are useless to yourself when you seek to destroy yourself by your actions and decisions. 
Usefulness to the society: The second rung of usefulness is to the society. An individual is never an isolated being. His life is intertwined with the society. He cannot in anyway divulge himself from the community. In order not to be repugnant in the society, he must be useful. And there comes the obligation to be useful in the community.  When an individual has a pragmatic beneficial importance in the community then his usefulness can be ascertained.
Usefulness to God: “Remember your God in the days of your youth”. The creator did not put us in the world for nothing. He said we must bear fruit. The third tier and the most important is usefulness to God. Usefulness to God comes in dual dimensions as the summary of the commandments, that is, the love of God and love of neigbours. If we must be useful to God, we must be devoted to him, faithfully serve him, and keep his commandments. We must translate that same love of God to the betterment of the society.     
SUCCESS: YOUTHFUL ENERGY COMBINED WITH A SENSE OF USEFULNESS 
·         Success starts in and from the mind. The key to a successful life is to realize that living is a learned habit, an acquired skill. Learning begins at conception and ends in death. Earl Nightingale says that “You become what you think most of the time.” Have a vision, an imagination of your life’s purpose and begin to work towards it. In order words, you must have a goal, a focus, an aspiration- the purpose driven life, not the life tossed around by every wind of change.
·         Success is a product of your constant, continuous and consistent effort. Never take a break from your success journey; do not stop for rest or reward too soon. When you stop at the first signs of success, you become lazy, stagnant and begin to decline. As your efforts produce results and rewards, work even harder. Success and achievement only come through continuous work. The only place where success comes before work is in the dictionary.
·         Be willing to change your life completely. You must make your life congruent, consistent and in harmony with your desired success. Is there anything you feel or think about yourself that will frustrate your success efforts? Low self-esteem, fear of the unknown, etc.
Nine Rules of Success
1.      DO NOT PROCRASTINATE
2.      DO IT NOW
3.      STAND ON YOUR TWO FEET
4.      DO NOT FEAR FAILURE
5.      DO NOT SELL YOURSELF CHEAPLY
6.      DEVELOP A GOAL ORIENTED HABIT
7.      VISUALIZE YOUR GOAL AND BELIEVE YOU CAN ATTAIN IT
8.      PLAN YOUR WORK AND WORK YOUR PLAN
9.      DO NOT QUIT: Winners never quit and quitters never win
   
SOME SELF-RENEWAL PRINCIPLES IF YOU WANT TO BE USEFUL
Four Dimensions of Renewal
PHYSICAL RENEWAL- The physical dimension involves caring effectively for our physical body- eating the right kind of foods, getting sufficient rest and relaxation, and exercising on a regular basis. Exercise, nutrition, stress management are the key points. A healthy eating habit/dieting regular exercise. “There is no real excellence in all this world which can be separated from right [and healthy] living” remarks David Jordan.
MENTAL RENEWAL- Most of our mental development and study discipline comes through formal education. But as soon as we leave school, many of these disciplines fall away. We let our minds grow cobweb. We no longer do any serious reading; we don’t explore any new subject in real depth outside our action fields; we don’t think analytically; we don’t write. Instead we spend our time watching TV. A recent Television Survey shows that people spend as much as 45-50 hours a week watching Television, far more than they spend at work or in activity. TV has many high quality entertainment and educational programs. They can enrich our lives and contribute meaningfully to our purposed and goals, but there are many programs that simply waste our time and minds and many that influence us in negative ways if we let them. Like the body, TV is a good servant but a poor master. We need to know how to effectively manage and maximize our time. Your time, the hours you spend on earth are your most valuable asset. It is unrepeatable and irreplaceable. How you spend your time will determined the level of success you will experience. You waste your time when you spend it in unproductive activity or with unproductive people; and this will manifest in your experience. Organize and execute your life around priorities. Effective time management is putting first things first. Goethe will say that “Things which matter most must never be at the mercy of things which matter least.” A better and more refined way to look at how to allocate time is to speak in terms of investing your time rather than spending (or wasting) it. To spend gives a sense of finality, something that will never return. When time is spent, it is gone forever, but when you invest your time, there is a return on the investment.
The Four Badges of the Universal Law of Value
1.      Do not waste your time on thoughts, people or actions which are not worthy.
2.      Do not waste your thought on ideas that are not worthy.
3.      Do not waste your energies on activities which are not worthy.
4.      Do not waste your money on that which is not worthy.
Continuing education, honing and expanding of the mind is vital mental renewal. It is extremely valuable to train and educate the mind. Training without such education narrows the mind and eventually closes it. That is why it is valuable to read broadly and to expose yourself to great minds. There’s no better way to inform and expand your mind on a regular basis than to get into the habit of reading good literature. “The person who doesn’t read is no better off than the person who cannot read.” Reading, visualizing, planning, writing are the key points here. Develop an active reading habit and a writing culture.
SOCIAL/EMOTIONAL RENEWAL- Our social and emotional lives are tied together and they are demonstrated in our relationship with others. It can be a normal everyday interaction with people. Making people happy, putting a smile on someone’s face, serving others and making them feel important are nice ways of social and emotional renewal. There is a deep security that comes from living interdependently. The meaning and purpose of our lives must be sought outside us. The great cause upon which we devote our lives is something that is higher than we are, something that transcends us. “Happiness is a perfume you cannot put on others without getting some drops on yourself.” Eldon Tanner says that “Service is the rent we pay for the privilege of living on earth.” Service, empathy, synergy, and intrinsic security are the key words. George Bernard Shaw writes: “This is the true joy in life- being used for a purpose recognized by yourself as a mighty one....I am of the opinion that my life belongs to the whole community and as long as I live, it is my privilege to do for it whatever I can. I want to be thoroughly used up when I die. For the harder I work, the more I live. I rejoice in life for its own sake. Life is no brief candle to me. It’s a sort of splendid torch which I’ve got to hold up for the moment and I want to make it burn as brightly as possible before handing it on to future generations.” Let me offer you Franklin Delano Roosevelt, the former American President’s interpretation of happiness. He says: “Happiness lies not in the mere possession of money; it lies in the joy of achievement, in the thrill of creative effort. The joy and moral stimulation of work no longer must be forgotten in the mad chase of evanescent profits. These dark days will be worth all they cost us if they teach us that our true destiny is not to be ministered unto but to minister to ourselves and to our fellow men.” The root word for ‘ministry’ is the Latin ministerium and it means service. In the final analysis, happiness consists in serving others. This is what I call the Principle of Creative Cooperation.
Nine Ways to Improve your Relationship with Others
1.      Make yourself likeable.
2.      Always remember people’s names.
3.      Express appreciation for what others do.
4.      Be lavish in your praise.
5.      Listen intently to other people’s words. “God has given us two ears and one mouth to listen twice as much as we talk.”
6.      Let the interest of the other person be the subject of your conversation.
7.      Make the other person feel important.
8.      Do not criticise destructively.
9.      Always believe that there is a way to achieve the best results.
The Most Important Words
Five Most Important Words-               I am proud of you!
Four Most Important Words-              What is your opinion?
Three Most Important Words-            If you please!
Two Most important Words-               Thank you!
The Single Most important Word-       Congratulations!
The least Important Word-                  I
Anthony de Mello, an Indian Jesuit priest says, “This is the cause of every problem in the world; ‘It belongs to me!” Refrain as much as possible from personal possessives- ‘I, me, mine, and myself.’
SPIRITUAL RENEWAL- The spiritual dimension is the core, your center, your commitment to a value system. It is a very private area of your life and a supremely important one. It draws upon the sources that inspire and uplift you and tie you to the timeless truths of all humanity. Stephen Covey says of himself: “I find renewal in daily prayerful meditation on the scriptures because they represent my value system. As I read and meditate, I feel renewed, strengthened, centered and recommitted to serve.” Immersion in great literature or great music can provide a similar renewal of the spirit for some people. Value clarification & commitment, study, meditation are key words here. Spiritual renewal takes an investment of time. Religious leader David O. McKay teaches that, “The greatest battles of life are fought out daily in the silent chambers of the soul.” Socrates complements this by saying, “An unexamined life is not worth living.”
CONCLUSION
Like someone said ‘youth is only a journey, a phase that we pass through to fulfill our assignments here on earth’ we will not remain young forever. To be youthful is a medium a chance for us to deliver our mandate on earth by being useful to ourselves, the community and especially to God. Remember God in the days of your youth, it is only when we remember God in our youthful age that he can make us useful in life. No matter what we are chasing in life, the time for our youth is the energy we have, but vanity it will be if we are chasing vanity, because we would have used our youthful age for nothing. I will like to conclude by saying “enjoy your youth, do all that your heart desires, eat all that you want, but remember God will judge all your actions”.

Economics of God

The beauty of economics is that it demonstrates the success of creation. Economic success is what happens when one has the audacity to organize reality in a new way.
What is not generally understood in business and governmental organizations is that economics is actually an opportunity of evolution capable of being developed through God. When economics is only self justifying, inevitably God will restore natural harmony at the expense of those who refuse to see the bigger picture.
In contemporary economics, we are faced with a dilemma: there are too many people on earth to support a balance of nature. The opportunity for forests, jungles and oceans to be self supporting is almost collapsed. The waste production of human beings is overwhelming the earth’s capacity to integrate it. Because of this, the earth is unable to maintain the balancenecessary for the creation of new life forms that can survive the changing environmental conditions. The world is at a crisis point. earth is bankrupt. Intentional reorganization by mankind is necessary immediately or earth must rebalance herself unconditionally, which could result in the loss of billions of human beings.
Economics of God is a precise experience of your authority in relationship to God. Your relationship to God provides opportunities of life that cannot occur otherwise. Your authority in God is a key to the rebalancing of nature and world economics.
There are four principle features of life that are always present in economic success. Empathy is first. Empathy is a form of relational genius. Empathy is the key to life success because it allows an evolutionary opportunity that is supported by God through connection and alignment with others.
The second principle feature is that life can be seen as an opportunity to be who you are. Who you are is the soul, personality and vitality of life purpose that is experienced in ordinary life. This includes your experience of success, prominence and leadership. The authority to live as you choose determines who you are economically. Without this choice to be who you are, you are inevitably absorbed by someone else’s agenda, or you become their “lunch,” as I like to say.
The third principle feature of life present in economic success is trust. Trust is an aspect of God that determines your capacity to change reality. Beyond what can be seen, beyond what can be controlled, trust allows you to organize circumstances of life beyond the imagination of the majority of people. Trust is what allows genius to become seen and actualized. Trust allows all change to be a blessing, a godsend.
The last feature is prominence. Prominence is an evolutionary achievement that determines position in society. It is difficult to attain and sustain. With prominence, weakness is not allowed to dominate over true strength. Prominence does not allow death to be anything other than a graduation. Living in positive reality is fundamental to real prominence and positive reality determines the extent of prominence.
In Economics of God, there are many ways to achieve success. However, there are only a few approaches to life that allow success to be supported as an evolutionary opportunity by God. Empathy, who you are, trust and prominence determine success supported by God. These four features determine success and life accomplishment. Choosing economic success in relationship with God in ordinary life is a choice which entitles you to live in reality far beyond selfishness and greed.
WELCOME TO ECONOMICS OF GOD!

THE HOLINESS FACTOR BY JOYCE MEYER


Have you ever heard someone say, "There's just something about her"? People sometimes say that when they can't quite put their finger on what it is that makes another person stand out from the crowd. I like when I hear it said about someone who's a Christian. Because when we are led by the Holy Spirit and God's love flows through us, there is something that just draws attention.
The Bible says that Christians are the salt of the earth and the light of the world. On the job, in the grocery store, even among unsaved friends and family members, God's people are there to bring seasoning to an unsavory situation.
We've been hearing this for a long time, but we are definitely living in the last days that Jesus talked about in Matthew 24. Our world is in a state of moral decline. There is so much turmoil in people's lives today, so much darkness. And they're looking for hope. As Christians, we are the ones who can help them find what they need in a relationship with Him.
But, in Matthew 5, Jesus asked what good is it if the salt has lost its flavor? It seems that somewhere along the way, the lines between godliness and ungodliness have gotten blurred. Things that would have been considered wrong 20 or 30 years ago seem to be not so bad today. I wonder what the next 20 years will bring if this continues.
How Will They See?
We may need to ask ourselves: What are we showing the world? What is it that keeps us "salty"? How do we, as Christians, keep our lights shining in the darkness around us? Aside from our Jesus pins and bumper stickers, what sets us apart in the world?

I believe it's holiness. And when I say that, I don't mean religion. I'm not talking about a list of do's and don'ts, or going to church on Sunday mornings just to do your Christian duty one day a week. Religious legalism only gives us rules to follow but no real help to follow them.
When I say holiness, I'm talking about behavior that's borne out of a personal, intimate relationship with God. I'm talking about a place of consecration that causes us to be obedient to the Holy Spirit in our everyday lives. Something that makes us walk in love toward others, looking for ways to be a blessing to them.
It's about being, rather than doing. That's the something the world needs to see in us. It's not up to us to preach to everyone around us, telling them everything that's wrong with them. We are simply to be light in the darkness around us-and them-so they can find their way to Jesus.
The Pursuit of Holiness
Hebrews 12:14 tells us to pursue holiness. Different Bible versions use words like "work at," "make every effort," "strive," and "be." Holiness is the outcome of a work of consecration that God does in each of us through our personal relationship with Him. It begins the moment we receive Christ as our Savior. When He comes to live in our heart, we are made holy at that moment. And then little by little, or from glory to glory, He changes us from the inside out so we become more and more like Him (see 2 Corinthians 3:18).
This pursuit is a process by which we are broken and humbled. We learn how to cooperate with God in this work. We learn to lay down our pride and selfishness. We learn to forget ourselves, and in obedience to the Holy Spirit, live to be a blessing to others. We go from, "What about me?" to "How can I help you?"
Don't worry if you feel you haven't "arrived." The fact that you are dissatisfied with where you are or that you're seeking to be a better person or you're in a place of conviction means you are making progress. God didn't promise the process would be fast…or easy…or feel good all the time. Just be thankful for His love and grace while He works.
Now, at any point in the process, we can always be a blessing. I like to say bloom where you are planted. We can be good to somebody anytime. We just need to be real…to share our struggles as well as our victories. Wherever we are in our process of sanctification, the world is watching. And they need to see someone who may not be perfect, yet, "There's just something about that person!"

How to Start a Private School

Starting a private school is a challenging process and generally takes no less than 2 years. Private schools often have high academic standards, low teacher-student ratios, availability of non-core subjects such as art and music and an emphasis on discipline, safety, community service, and values. Private schools can be proprietary (for-profit), however most are incorporated non-profit entities. The following steps will help guide you in starting a private school.
  1. Determine the grade levels for your private school.
    • How many and which grades will you start with and how many will you eventually grow to include?
    • Many private schools start with fewer and lower grade levels and add upper grades over time.
  2. Write a mission statement for the school to focus your reasons for starting a private school.
    • This statement will be the driving philosophy for your educational plans and a way to gather community support.
    • The mission statement should include a rationale for starting your school, your school values, the educational approach, the curriculum focus and goals and planned outcomes for students.
  3. 3
    Assemble a private school committee.
    • The committee will eventually become the core members of your board of directors.
    • Committee members should be experts in different areas, including education, legal, accounting, business and construction.
  4. Research your state's educational requirements for private schools.
    • In some states, private schools are overseen by a division of the Department of Education. Other states have individual accrediting agencies for private schools, while still others have no private school regulations.
  5. Create the business entity.
    • Determine if your private school will be proprietary (for-profit) or non-profit.
    • Most private schools incorporate and apply for tax-exempt status. File the appropriate paperwork with your Secretary of the State and the IRS. Your founding committee attorney should handle this step.
  6. Write a business plan for your private school.
    • Create a 5-year business plan, including operational plans (such as financial and marketing) and educational plans (such as educational focus, curriculum, implementation and assessment).
  7. Determine your budget and secure your funding.
    • The budget should include capital expenses.
    • Your committee accountant or financial specialist should help with the budget, or you should seek expert advice.
    • If you are operating as a non-profit, solicit contributions by asking for donations from foundations, applying for grants and establishing donations from private donors.
  8. Find a location for your private school.
    • Locate a current facility or develop plans to build one.
  9. Interview and hire critical staff members.
    • The first 2 staff members you should hire are the headmaster and a business manager. This should be done approximately 18 months prior to the start of school so you will have experienced professionals to help implement the final steps to starting your private school.
    • The headmaster/administrator will be able to help you handle the educational and staffing aspects of the school plan, while the business manager will work with you on duties such as enrollment and purchasing.
  10. Promote your private school to prospective parents and students.
    • Advertise for students through community, church and service groups. You can also advertise through local newspapers and magazines and submit your school to online and private school directories.
    • Design a website that will provide admissions and enrollment information.
    • Join national private school associations for exposure such as NIPSA.org and NAIS.org.
  11. Open your business office.
    • Begin the admissions process for students.
    • Order your curriculum materials, furniture and educational supplies.
  12. Interview and hire faculty.
    • It is extremely important to find highly-qualified teachers and staff, so be competitive in your compensation.
    • States vary in requirements for private school teacher qualifications.
    • Provide faculty training sessions several months before the start of school to familiarize the teachers and staff with the school, policies, procedures, expectations, curriculum and your vision for the school.
  13. 13
    Open your private school.
    • Plan your opening for when other schools in the area are starting. This is usually in the early fall, although in peninsular Florida it tends to be in August.

  • Plan your school location with expansion in mind.
  • Joining national private school associations, such as NAIS.org, will provide support for you and give your private school national exposure.
  • Apply for educational accreditation from recognized agencies, such as one of the 6 regional educational accrediting agencies listed on the Wikipedia article on regional accreditation, to distinguish your private school as a quality program. Accreditation shows that your private school program meets an established standard, determined by a rigorous approval process.
  • Choose a curriculum for your school carefully, with input from educational experts.

How to Run Private Schools Profitably

How to Run Private Schools Profitably
By David Amuwa

Following the high level of decadence that pervades the Nigerian educational system, discerning parents have continued to seek alternative means of preparing their wards for life challenges.

People are increasingly enrolling their children in in private schools where the standard of teaching is high and sustained.
According to the proprietor, EMCOY Favoured Montessori Nursery and Primary School, Ijaiye- Ogba, Lagos, Pastor Emmanuel Oluwafemi Oyewole, the quest for education in private schools has been on the increase following the fall in the standard of education in Nigeria since the late 1970s.

Oyewole, who has been running a nursery and primary school for over 20 years, says nursery and primary schools fall into different categories depending on the size and standard in terms of the facilities one wants.

However, the choice of any category, he said, is a function of availability of fund at one’s disposal.

Oyewole explains that he conceived the idea of setting up the school solely to contribute to the resuscitation of education in Nigeria, knowing fully well that monetary benefits would be essentially added to it..

He explains that he began the school from an uncompleted building. Hence, he says that nursery and primary school can take off in a small apartment and grow with time.





Oyewole says that he started the school with less than N5,000 in 1987, but notes that with the prevailing economic situation in the country , a minimum of N500,000 would be needed to establish such a small scale school, excluding the cost of securing a building for the venture. He adds that getting a building for the establishment gulps a large percentage of the capital. However, he adds that many nursery and primary schools took off with more than N20m.

“Basically, apart from the classrooms, one must provide lockers and benches, chalk and its board, dusters, rulers and other materials that will ensure efficient delivery,” he says.

The Proprietor of Solid Structure School, Ifako-Ijaiye, Lagos, Mr. Toyin Eleoramo’s analysis is relatively similar to Oyewole’s. However, he adds that the size and standard of a private school depends on the taste and the mission of the proprietor.

He says that the bid to restore the moral training that had faded away in Nigeria educational system motivated him to invest in education.

He explains that he started the school in 1991 with less than N5,000, excluding the cost of building.

According to him, the same investment will now require an initial capital of N1.5m, considering the present economic situation in the country.

On the source of funding, Oyewole explains that money to set up nursery and primary schools could be raised from personal savings like in his own case, assistance from friends, taking soft loans from banks, contribution from co-operative societies, among others.

According to him, a small scale nursery and primary school needs at least two or more teachers for a start and that more and more teachers and non-teaching staff should be recruited as the school expands.
He recommends that the teacher to student ratio should not exceed one to 15 for effective teaching.

He adds that a fast developing area is the best location for setting up a nursery and primary school as developing areas are usually confronted with the problem of availability of public schools, hence, the influx of pupils into private nursery and primary schools in Nigeria.

He counsels that the school should engage in moderate publicity for its growth and popularity. This, according to her, is to ensure patronage from the public because nursery and primary schools without a reasonable number of pupils, say 200 pupils, after three to four years of existence, cannot cope in the face of the challenges in the Nigerian economy, he says.

He adds that programmes like Christmas carol, professional day, end of year party, prize giving day and others serve as avenue to showcase and market the school to the public.

HOW TO SAVE YOUR MONEY EFFECTIVELY

  1. 1
    Kill your debt first. Simply calculating how much you spend each month on your debts will illustrate that eliminating debt is the fastest way to free up money. Once the money is freed from debt payment, it can easily be re-purposed to savings. Plus, the sooner you pay off debt, the less interest you'll pay, and that money can be saved instead.
    • If you choose to start saving before you completely pay off your debt, however, look into consolidating your debts so that you're not paying as much interest.
    • The only money-saving that should take precedence over getting out of debt is to create an emergency fund (setting aside enough money so that if you lose your income, you can survive for 3-6 months). If you don't already have an emergency fund, you should start contributing to one immediately.
  2. 2
    Set savings goals. For short-term goals, this is easy. If you want to buy a video game, find out how much it costs; if you want to buy a house, determine how much of a down payment you’ll need. For long-term goals, such as retirement, you’ll need to do a lot more planning (figuring out how much money you’ll need to live comfortably for 20 or 30 years after you stop working), and you’ll also need to figure out how investments will help you achieve your goals.
  3. 3
    Establish a time-frame. For example: "I want to be able to buy a house two years from today." Set a particular date for accomplishing shorter-term goals, and make sure the goal is attainable within that time period. If it’s not attainable, you’ll just get discouraged.
  4. 4
    Figure out how much you’ll have to save per week, per month, or per paycheck to attain each of your savings goals. Take each thing you want to save for and figure out how much you need to start saving now. For most savings goals, it’s best to save the same amount each period. For example, if you want to put a $20,000 down payment on a home in 36 months (three years), you’ll need to save about $550 per month every month. But if your paychecks amount to $1000, it might not be a realistic goal, so adjust your time-frame until you come up with an approachable amount.
  5. 5
    Keep a record of your expenses. What you save falls between two activities and their difference: how much you make and how much you spend. Since you have more control over how much you spend, it's wise to take a critical look at your expenses. Write down everything you spend your money on for a couple weeks or a month. Be as detailed as possible, and try not to leave out small purchases. Assign each purchase or expenditure a category such as: Rent, Car insurance, Car payments, Phone Bill, Cable Bill, Utilities, Gas, Food, Entertainment, etc.
    • Keep a small notebook with you at all times. Get in the habit of recording every expense and saving the receipts.
    • Sit down once a week with your small notebook and receipts. Record your expenses in a larger notebook or a spreadsheet program.
    • There are also many apps you can download to your phone that will help you keep track of your expenses.
  6. 6
    Trim your expenses. Take a good, hard look at your spending records after a month or two have passed. You’ll probably be surprised when you look back at your record of expenses: $30 on ice cream, $10 on parking tickets? You’ll likely see some obvious cuts you can make. Depending on how much you need to save, however, you may need to make some difficult decisions. Think about your priorities, and make cuts you can live with. Calculate how much those cuts will save you per year, and you'll be much more motivated to pinch pennies.


    • Can you move to a less expensive apartment or house? Can you refinance your mortgage?
    • Can you save money on gas, or give up a car altogether? If your family has multiple cars, can you bring it down to one?
    • Can you get a better price on insurance? Call around and make sure you are getting the best price you can. Consider taking a higher deductible, too.
    • Shop the discount racks at clothing stores. Items on clearance are marked down considerably and could save you 50% of the price.
    • Can you drop a land line and either only use your cell phone or save money by calling over the internet for free with services such as Skype?
    • Can you live without cable or satellite TV?
    • Can you cut down on your utility bills?
    • Can you restrict eating out? Buy food in bulk? Start using coupons? Cook more at home? You might be able to save a lot of money when grocery shopping.
  7. 7
    Reassess your savings goals. Subtract your expenses (the ones you can't live without) from your take-home income (i.e. after taxes have been taken out). What is the difference? And does it match up with your savings goals? Let's say you've decided you can definitely get by on $150 per month, and your paychecks amount to $230 per month. That leaves you with $80 to save. If there’s absolutely no way you can fit all your savings goals into your budget, take a look at what you’re saving for and cut the less important things or adjust the time-frame. Maybe you need to put off buying a new car for another year, or maybe you don’t really need a big-screen TV that badly.
  8. 8
    Make a budget. Once you’ve managed to balance your earnings with your savings goals and spending, write down a budget so you’ll know each month or each paycheck how much you can spend on any given thing or category of things. This is especially important for expenses which tend to fluctuate, or which you know you're going to have a particularly hard time restricting. (E.g. "I will only spend $30 a month on movies/chocolate/coffee/etc.")
  9. 9
    Stop using credit cards. Pay for everything with cash or money orders. Don't even use checks. It's easier to overspend when you're pulling from a bank or credit account because you don't know exactly how much is in there. If you have cash, you can see your supply running low. You can even bundle up the predetermined amount of cash allocated for each expense with a label or keep separate jars for each expense (e.g. a bundle/jar for coffee, another for gas, another for miscellaneous). As you pull money from a jar for that particular expense, you'll see how much remains and you'll also be reminded of your limit.
    • If you need to have credit cards but you don't want the temptation of having them available to use day-to-day, restrict that section of your wallet with a note or picture reminding you of your savings goals.
    • Credit cards are not inherently evil; it's all about your self control. If you use them responsibly (i.e. completely pay them off every month), you can benefit from them. But the reason most credit card companies make money, however, is because people end up spending money that they don't have. Unless you are one of the people who can religiously pay off the balance in full every month, you're better off foregoing the promotions that credit card companies use to lure you in (cash back, introductory APR, airline miles, and so on).
  10. 10
    Open an interest-bearing savings account. It’s a lot easier to keep track of your savings if you have them separate from your spending money. You can also usually get better interest on savings accounts than on checking accounts (if you get interest on your checking account at all). Consider higher-interest options such as CDs or money-market accounts for longer savings goals.
  11. 11
    Pay yourself first. Savings should be your priority, so don’t just say that you’ll save whatever is left over at the end of the month. Deposit savings into an account (or your piggy-bank) as soon as you get paid. An easy, effective way to start saving is to simply deposit 10% of every check in a savings account. If you get a check or sum of cash, say 710.68, move the decimal point one place to the left and deposit that amount: 71.07. This works well and requires little thought; over several years, you've a tidy sum in savings.
    • You can set up an automatic transfer from your checking account to your savings account, either through your bank or with a third-party app. You can elect to transfer a set amount or percentage of purchases at regular intervals (e.g. daily or weekly) from your checking account to your savings account. The advantage of using a percentage is that the amount you save is proportionate to the amount you spend.
    • Many employers allow you to deduct savings from your paycheck. The money is directly deposited in your savings account so you never even see it on your paycheck.
    • You can also have investments for retirement taken directly out of your pay, and the taxes may be deferred with this option. Your employer may offer a 401k matching program for retirement as well making it even more worthwhile to save.
  12. 12
    Don't get discouraged and don't give up. You may not think you can become wealthy but to become a millionaire is possible if you set up a aggressive savings plan and stick to it. You may be surprised how much money you can put away for something far more enjoyable than what you could buy with short term savings. Good things often take time and the longer you save the more interest you will be making on your savings as well!

Richest Woman in the World – Top 10 Wealthiest Female Billionaire List 2013

#1) Liliane Bettencourt – $30 Billion- Richest Woman in the World for 2013

liliane bettencourt richest woman in the world - France and Europe
Being the richest woman in the world, Liliane Bettencourt is also the wealthiest female in  all European countries and also in France. She is also the  richest person in France after overtaking billionaire Bernanrd Arnault in the month of March 2013. She is the principal shareholder in the largest cosmetics company L’Oreal. L’oreal was founded by her father and she is the only daughter. She inherited stocks after her father’s death. Some months ago, Liliane Bettencourt was in news for having sold her island Paradise in Seychelles for around $60 million. This gave her profits of $42 million. (Source)

#2) Christy Walton – $28.2 B – Richest Woman in America

christy walton richest woman in america - USA
Being the second richest woman in the world, Christy Walton ranks #11 in the list of rich people in the world. (Source) She is widow of John Walton. Her father-in-law was Sam Walton who is the founder of largest retailing chain Wal-Mart. Currently, she resides in United States which is also her birthplace. Her major chunk of net worth is because of stocks in Wal-mart and in First Solar Company. Her wealth is inherited and not self-made. She is the richest woman billionaire in United States of America. Her net worth stands at $28.2 Billions and she resides in Jackson, Wyoming in USA!

#3) Alice Walton – $26.3 B – From United States

third richest woman on Earth
Sister-in-law of Christy Walton and the only daughter of Wal-Mart founder Sam Walton, Alice is the third richest woman in the world. Her net worth stands at Twenty Three Billion US Dollars. She was born in Arkansas and  is a citizen of United States. She resides in Fort Worth, Texas in USA. She ranks #10 in the list of richest people in United States and ranks #16 in the list of richest people in the world. Her major source of income is through Wal-Mart. She was also recognized by Times Magazine as one of the most influential people in the world. (Source)

#4) Iris Fontbona – $17.4 B – Richest Person and Woman in Chile

iris fontbona richest female in chile
Inheriting wealth from her husband, Iris Fontbona is the fourth richest female in the world. She ranks first in country of Chile in terms of net worth. She ranks #35in the list of Forbes Billionaires. She, along with her family, controls Antofagasta which is one of the largest copper miners on planet Earth. She also controls , through holding company Quinenco, the country’s second-largest bank (Banco de Chile), largest brewer (CCU) and the biggest shipping company in Latin America (CSAV). (ref)

#5) Gina Rinehart – $17 B – Richest Woman in Australia

gina rinehart richest woman in australia
Richest person in the country of Australia, Gina Rinehart ranks fifth in this list. She is the daughter of late Lang Hancock who was a mining tycoon. She inherited the business from her father and took it to new heights which is reflected in her net worth. According to Forbes, her net worth stands at Eighteen Billion US Dollars. Her major source of wealth is from mining and hence she is some times also called as ‘Mining Billionaire’. She ranks #35 in the list of most powerful women in the world. (Ref)

#5)  Jaqueline Mars – $17 B – From United States

jacqueline mars one of the richest woman in the world
Daughter of Forrest Edwards Mars Sr. , Jaqueline Mars belongs to one of the richest family in the world i.e. Mars Family. Her family is next to Walton Family and Koch Family in terms of wealth. She reside in The Plains, Virginia in United States of America. Her business is of manufacturing and selling candies. her company is the largest candy maker. (ref)

#7) Susanne Klatten – $14.3 B – Richest Woman in Germany

wealthiest female in Germany
Daughter of Herbert Quandt, Susanne Klatten was born in Bad Homburg in Germany. She is a citizen of Germany and resides in that country. She occupies the #4 in Forbes German Billionaires. She inherited her father’s wealth along with her brother Stefan Quandt. She owns stakes in popular car manufacturer BMW and in pharmaceutical company Altana. (ref)

#8) Abigail Johnson – $12.7 B – Fidelity Investments

abigail johnson tenth richest woman billionare america
American businesswoman and President of Fidelity Investments, Abigail Johnson is the eight richest female in the world. She is the daughter of Edward Johnson III who is also an American billionaire. As per Forbes Magazine, she ranks #27 in the list of richest people in USA and occupies the position #74 in Forbes billionaires. She is also the most powerful woman in the global fund management business (Source). She is an alumnus of Harvard University and ranks #57 in the list of most powerful women in the world. (ref) In August 2012, her father promoted her to President of Fidelity Financial Services. (ref)

#9) Miuccia Prada – $12.4 B – Richest Woman in Italy

As per the latest data, Miuccia Prada is the third richest person in Italy. Born in second-largest city of Milan, Italy, she took over the reins of fashion company Prada from her mother.  On list of most powerful women, she ranks #67. Her academic degrees and qualifications are un-matchable with any other woman in this list.  She hold a Doctorate in Pedagogical Sciences from University of Milan. (ref)

#10) Anne Cox Chambers – $12 B

anne cox chambers of cox chambers
Born on 1st December, 1919, aged 93, Anne Cox is the oldest richest woman in the world on this list. Her father was once a Democratic Presidential Candidate in US Elections of year 1920. She is the primary owner of Cox Enterprises. Cox Enterprises was founded by her father James Middleton Cox after taking over a newspaper named Dayton Evening News. She was once a US ambassador to Belgium under the government of Jimmy Carter from 1977-1981. (ref 1 & ref 2.  )

Birgit Rausing – $14 B – Richest Woman in Sweden

Birgit Rausing richest woman in sweden
Born in a village of Southern Sweden, Birgit Rausing ranks second in country of Sweden in terms of wealth. She inherited wealth from her husband after his death. She is an active philanthropist and resides in Vaud, Switzerland. She is a citizen of Sweden and ocupies the second spot in list of Sweden’s Billionaires. She is the owner of Tetra Laval which is a privately-held company.

September Equinox

There are two equinoxes every year – in September and March – when the sun shines directly on the equator and the length of day and night is nearly equal. Seasons are opposite on either side of the equator, so the equinox in September is also known as the "autumnal (fall) equinox" in the northern hemisphere. However, in the southern hemisphere, it's known as the "spring (vernal) equinox".
Illustration image
The Earth's postion during the September equinox (ill. not to scale).
September Equinox in Lagos, Nigeria was on
Sunday, 22 September 2013, 21:44 WAT (Change city)
September Equinox in Universal Coordinated Time was on
Sunday, 22 September 2013, 20:44 UTC

Why is it called equinox?

On the equinox, night and day are nearly exactly the same length – 12 hours – all over the world. This is the reason it's called an "equinox", derived from Latin, meaning "equal night".
However, even if this is widely accepted, it isn't entirely true. In reality equinoxes don't have exactly 12 hours of daylight
The September equinox occurs the moment the sun crosses the celestial equator – the imaginary line in the sky above the Earth’s equator – from north to south.
This happens either on September 22, 23, or 24 every year. On any other day of the year, the Earth's axis tilts a little away from or towards the Sun. But on the two equinoxes, the Earth's axis tilts neither away from nor towards the Sun, like the illustration shows.

Saturday, 21 September 2013

Overcoming Low Self-Esteem

6 Simple Personal Commitments to Overcome Low Self-Esteem

Dark Day
“Everything that happens to you is a reflection of what you believe about yourself. We cannot outperform our level of self-esteem. We cannot draw to ourselves more than we think we are worth.”  ~Iyanla Vanzant
You’re smart, funny, and genuinely good at heart.
You have ideas that could solve many of the problems you see around you. You could regale people with interesting stories that crack them up. You could be the perfect partner, parent, or friend.
But you don’t always live up to that potential.
Something holds you back.
Something tells you that your ideas are not worth announcing in public. Something keeps you from sharing your interesting stories. Something stops you from giving all you’ve got, and taking all you need, from your closest relationships.
Even though you know that you can be so much more, deep down you have a nagging feeling that you are not worthy of greatness, accolade, pure joy, and happiness.
Low self-esteem is keeping you from living your life to the fullest.

Who Suffers More from Low Self Esteem—a Shy Person or a Gregarious One?

I’ve always been gregarious, outspoken, and very extroverted. My husband, on the other hand, is very quiet and introverted.
When I met him, I used to think he was shy and maybe lacked the confidence to speak up like I did. Fifteen years of being together has shown me how very wrong I was.
While I have always bounced back and forth between lack of confidence and overconfidence, my husband has been very even keeled. Almost unnaturally so. He doesn’t get fazed by what people say. His decisions are not dependent on what others think. He has such a deep-seated sense of self-worth that nothing seems to affect him.
Slowly, I’ve come to realize that self-esteem has nothing to do with being gregarious/extroverted or shy/introverted. It comes from a place much deeper, from within yourself.
And as a consequence, there are no quick fix solutions or magic pills that can improve self-esteem overnight.
On the other hand, if you consciously commit to conduct yourself right, no matter what the situation is, you can permanently increase your sense of self-worth.
I’ve been putting this theory to test over the past couple of years and have started noticing a much more deep-seated sense of calm within, from which a strong sense of self-worth has emerged.
Here is a list of 6 simple commitments that have made the biggest difference to me:

1. Be authentic. Drop pretenses just to please someone else.

Have you heard the quote “You can fool some of the people all of the time, and all of the people some of the time, but you cannot fool all of the people all of the time”? Knowing that someday you will be “found out” is what kills the self-esteem.
Hard as it is and vulnerable as you will feel, let go of your pretenses. Just be your authentic self. At first, the fear is crippling, but if you manage to get past the initial fear and take the plunge, it is so liberating. And that freedom to be who you are without excuses or pretenses paves the way for a much healthier self-esteem.

2. Learn to say no. Say what you mean and mean what you say.

Often we say yes because of the fear of authority or the fear of hurting someone’s feelings or worries that we will let someone down. But every time you say a yes that you don’t mean, you’ll end up doing a half-hearted job. And then you are unhappy that you said what you didn’t want to say, and you are unhappy that you did such a lousy job of what you said you would do.
Break out of that habit. Instead, just say what you mean and mean what you say. You don’t have to be rude about it, just be firm and decisive. Developing the ability to speak your mind in a kind but firm manner, and to really deliver on your promises, will go a long way in building lasting self-esteem.

3. Grant yourself the permission to make mistakes. Vow to learn from them.

Your reaction to your failures, as much as your successes, defines you. You can beat yourself up over a failure, or you can give yourself the permission to make mistakes and vow to learn from them. Let’s face it, whichever route you take, you will still make some mistakes in your life. One approach chips away at your self-esteem, the other helps you become a better person. Choose.

4. Take responsibility for your actions.

Again, at some point or the other in your life, intentionally or accidentally, you will let others down. When that happens, quit making excuses and accept them as a consequence of your choices. Quit the regret and focus on repair.
Always be prepared to say “I’m sorry” followed by “How can I fix it?” and make sure you put in genuine effort to fix things in a way that is acceptable to everyone involved. It is a lot of effort, but a healthy self-esteem is rooted in knowing that you always do the right thing.

5. Help others.

No amount of fortune, fame, success, beauty, intelligence, or strength can give you the same sense of personal gratification or a sense of purpose as a genuine “thank you” from someone you help.
When you stop being so wrapped up in your own worries, sorrows, and melodrama and start being a part of the bigger picture, with a role to play in this universe, your sense of self-worth and self-esteem gets a whole new definition. Give freely. Help whenever you can. You will get more than what you thought you ever needed.

6. Immerse yourself in whatever you decide to do. Quit worrying about your choices.

Either do something or don’t. Stop second-guessing your choices.
For instance, if you want to make some tea, first learn how to make tea. Next gather all the ingredients you need. And then make tea. Don’t worry about whether it will come out right. Don’t worry if anyone will like it. Don’t worry about whether you are worthy of making tea. Don’t worry about coffee drinkers. Don’t worry if you will ever get to make tea again. Don’t worry about what you will do after you make tea. Just. make. tea. And when you are done, move on.
Constantly worrying about your choice as you make the tea will not do any good to you, the tea, or anyone else around you. Immerse yourself in what you do.
Your self-esteem is a measure of how worthy you think you are. Don’t look outward for affirmations. Set your own expectations of who you should be and then do all you can to live up to those expectations. You have it in you to be the person you can be proud of.
Commit to it, and go become that person!