5 smart things to do with your year-end bonus
If you’ve received your year-end bonus for the year or you’re expecting it, it can be tempting to consider having a splurge in the name of Detty December or convince yourself you deserve an extravagant treat. But before you throw caution to the wind and deplete that windmill, take some time to consider how […]
Transfer Window: What to look for in a PFA
Now that the transfer window has been opened by the National Pension Commission (PENCOM), giving you as an RSA holder the opportunity to move from your current Pension Fund Administrator (PFA) to a much-preferred one which you believe will better satisfy your pursuit of a comfortable retirement, there are a few things you must look […]
In the blink of an eye…
The thought just wouldn’t go away. It lurked within Ugobiri no matter how much he tried to shake it off. Perhaps it was the chain of events happening all over the world that brought this feeling. Ugobiri had even gotten scared of swiping his phone and clicking on his News update app. He feared […]
The basics of compound interest
Compound Interest is the interest an investor earns on his original investment plus all the interests earned on the interest that has accumulated over time. It is easier to think of compound interest as Interest on Interest. Let’s break it down, shall we? Compound Interest Suppose you deposit N500,000 into your […]
3 versions of you at retirement
Ever wondered how retirement could be? If you haven’t given it a thought, then you should. Why? Because what you do today will determine how great your tomorrow will turn out and place you in one of the versions listed below. Let’s take a look at these three versions… The working version […]
Don’t ask me to trust him!
Cynthia looked at the wall clock for the umpteenth time, willing time to fly. Barely 15 minutes into the one-hour counselling session, she was exasperated already. 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 Gregorys were on […]
Trump VS Biden: Investing actions to consider
Trump Vs Biden! Whew!…. Are you feeling uncertain? We know ever since the launch of the ARMStocktrade platform (app and website) you have been investing in both foreign and local stocks- Well done! However, with the on-going elections in the United States, it is only normal to be uncertain about the impact of the […]
7 steps to a healthy and happy life
So much of healthy living is made up of small things we do daily, but that when done consistently over time, add up to produce big results. Here are 7 tips to live a healthier and happier life – so easy you can make them daily habits: 1. Drink up once you wake up – […]
The 2020 Granddad
The phone rang for the third time and Oyebode rushed out from the bathroom with a towel around his waist to take the call. It was a call from his son-in-law to announce the birth of his first grandchild. Oyebode danced around the room in joy as he sang song after song. He was […]
Personal Finance with Raphael: 5 ways to control Emotional Spending
Emotional spending is an act of buying something for yourself that you don’t need perhaps don’t even really want, as a result of feeling stressed out, bored, under-appreciated, incompetent, unhappy, or even happy. For instance, when you received a raise or on your birthday. It’s entirely not a bad habit if you can afford […]
