LESSONS FROM LIFE...

1. Not everyone will clap for you when you succeed. Do it for yourself, not for validation.

2. Holding grudges is like carrying extra weight on a long journey. Let it go and move lighter.

3. A partner who genuinely supports you is a blessing—don't take them for granted.

4. The biggest mistake you can make is lying to yourself. Be honest, even when it's uncomfortable.

5. If you're the one people rely on, don't expect the same from those who depend on others.

6. Focus on your dreams, not on impressing people.

7. Your 20s are for building, your 30s for enjoying the foundation you laid. Make the right investments.

8. Peace is priceless. Let go of anything that steals it.

9. Silence is a weapon. Use it wisely.

10. Take care of yourself. Looking good isn’t about showing off, it’s about self-respect.

11. Some people will root for your failure because they feel stuck in their own lives. Ignore them.

12. Being kind is great, but don’t let people take advantage of you.

13. Losing people isn’t always a loss. Losing yourself while trying to please them is.

14. Keep your moves quiet until they’re finalized. Premature announcements invite unnecessary energy.

15. Love wisely. Heartbreak is expensive—therapy isn't cheap.

16. Your mindset shapes your reality. Keep it positive.

17. Social media is full of illusions. Don’t let it make you envy a life that isn’t real.

18. Treat yourself on your birthday. No one owes you a celebration.

19. Fear is the biggest barrier between you and success. Take the risk.

20. Rushing the process will only ruin your progress. Trust the timing of your life.

21. Some people aren’t worth reaching out to, even in desperation. Choose your sources wisely.

22. Skills and knowledge are investments that will never fail you. Keep learning.

23. Love with wisdom, not blindness. Protect your heart.

24. Be your own biggest supporter. You’ll always have yourself.

25. Some people return just to see if you’re still naive.

START WITH WHAT YOU HAVE

Many times people say they are held back from starting their businesses by a lack of capital. I say start working with whatever you have. That thing could be:

A business idea. Have you thought about how you're going to execute it? Every business idea needs work before you can execute. You need a plan, strategy, research, vision and proper actionable steps if you're going to succeed.

A skill you got from your parents growing up. What skill can you use to make money? This could simply be something you did with your parents like farming, poultry, baking, hair dressing, designing etc. Having that skill is one thing but refining that skill so that it's marketable is another. Work on that.

Knowledge from school or streets. Anything you learn is salable, this is why they say the more you learn the more you earn. You can use even the experience you have from your job to start a business. But you need to find a way of packaging it so you can make money from it. And that takes work.

Money without a proper idea, skill or knowledge will be wasted. Hear it from me. Don't despair if you don't have capital. Start working on yourself so that when the money shows up it'll find you ready.

I wish you all the success in the world.

We started long time ago. No overnight success

FISCAL DISCIPLINE, REVENUE DIVERSIFICATION CRITICAL FOR SUSTAINABLE DEVT -GOV UMO ENO

... as Senate President applauds his leadership style

Akwa Ibom State Governor, Pastor Umo Eno, has emphasized on the need for states and local governments to embrace fiscal discipline and revenue diversification to achieve sustainable development.

The Governor stated this while delivering a public lecture on the theme: "Leading Economic Development in Sub-Nationals of the Nigerian Federation: The ARISE Agenda," at the University of Uyo.

He noted that the ARISE Agenda was borne out of the desire to grow the economy while developing abundant human resources in the State, focuses on eight lofty goals including; Poverty reduction, Job creation, Price stability,sustainable economic growth, improved standard of living, environmental sustainability, highly educated, healthy and skilled people, and the Security of lives and property

He further explained that the ARISE Agenda, a flagship economic blueprint that guides his administration's development efforts, is an acronym for ‘five-group aspirations’: Agricultural Revolution, Tourism Development and Environmental Management; Rural Development, Women & Youth Empowerment; Infrastructural Maintenance and Advancement; Security Management, Sound Educational and Health Sector Management; and Economic, Industrial and Social Advancement

The Governor who holds a Doctorate degree in Public Administration from the University, said that since the inception of his administration, wastages in government have been minimized, and the government is determined to expand its revenue base by digitalization of government operations.

"Soon, we will launch AKWAGIS, a digital platform where we will be collecting ground rent, which as we speak is in the region of N16 billion. Through this platform, we will be able to seamlessly offer Certificates of Occupancy, which would help attract businesses to our State.

"We are also investing heavily in the tourism sector that has been variously described as the “New Black Gold.” From agricultural tourism, through our Ibom Model Farm, to medical tourism, with our planned Ibom International Medical Centre - a 200-bed hospital that will come with 24 different departments under one roof. This hospital, once completed, will compare to any such facility anywhere in the world.

"The ARISE Resort, which we hope to commission in the first half of this year, the International Conference Centre, the Ibom Tropicana Hotel, which we are poised to complete will signpost our ascendancy as the tourism hub of our nation and bring in billions of Naira in revenue.

" We remain committed to the growth and expansion of Ibom Air and work is ongoing in the Aviation Village, as part of our investments in the aviation eco- system.

"We are committed to the human capital development of our people and this has been acknowledged by the Federal Government and the World Bank, leading to the launch two days ago, of the Human Capital Development Strategic Plan by the Vice President, Senator Kashim Shettima, GCON.

"We have achieved a success rate of 3.5% out of school children, against the national average of 25.6% - a truly remarkable feat.

"We are positioning our State for growth beyond oil by these strategic investments in tourism and human capital development," he said.

The Governor said to ensure the success of economic development in sub-nationals, policymakers must develop action plans before implementation, strengthen governance and institutional capacity, enhance internally generated revenue (IGR) to reduce reliance on federal allocations, promote regional economic cooperation and trade among states, encourage private sector-led development through investment incentives, and focus on collaboration rather than conflicts.

He appreciated the crafters of the ARISE Agenda, and expressed his determination to go the extra mile to further development in the State, while urging policymakers, corporate bodies, the academia, and citizens to join hands with him in the journey towards a prosperous, self-reliant, and globally competitive sub-national economy.

In his remarks, the President of the Nigerian Senate, Senator Godswill Akpabio applauded the Governor for his inclusive leadership disposition which according to him has engendered unprecedented peace and security in the State.

Senator Akpabio who was represented by Dr. Saviour Enyiekere, Chairman of the National Assembly Service Commission (NASC), also commended the Governor for his collaboration with the President Bola Ahmed Tinubu-led Federal Government, and assured of the support of the All Progressives Congress in the State to ensure the Governor's second term victory in 2027.

Chairman of the Occasion, Emeritus Prof. Akpan Ekpo, the University Vice Chancellor, Prof. Nyaudoh Ndaeyo and the Dean of the Host Faculty, Faculty of Social Sciences, Prof. Christopher Ekong as well as Dean of the Faculty of Communication and Media Studies, Prof. Peter Esuh appreciated the Governor for accepting to share his thoughts through the public lecture, stressing that the ARISE Agenda is a comprehensive document that can drive development in the State and other sub-nationals.

The event which attracted eminent personalities within and outside the State, had as discussants, Prof. Okechukwu Onuchukwu, Vice - Chancellor, Ignatius Aguru University of Education, Rivers State, and Prof. Ebebe Ukpong, a development expert and former Commissioner in the State.

Any Woman That Will Make You Successful Carries These 7 Signs

Not every woman you see on the street is headed the same way you are heading. Some women come to distract, some come to destroy, and others will come to damage.

There are a few rare ones, sent to build, to bless, and to bring out the king in you.

Here’s how you’ll know her:

She believes in your dreams

Even when they look crazy to others, she sees your potential. She doesn't laugh at your vision, she reminds you of it when you start forgetting who you are.

She prays for you

Even when you don’t know it. In silence and in secret, she lifts your name up to God, covering your battles with faith and not fear. A praying woman is a powerful partner.

She pushes you to grow

She won’t let you settle. She challenges your comfort zone with love, because she sees what you can become. Growth is never easy, but she makes it worth it.

She speaks life into you

When the world tears you down, she builds you up with her words. She reminds you of your strength, your vision, and your value, not just with sweet talk, but with truth.

She respects your hustle

She understands your grind, your long nights, your silent battles. She doesn’t compare you to others, she celebrates your efforts and your process.

She brings peace, not pressure

Her presence feels like calm in a storm. She's not in competition with your purpose; she aligns with it. She doesn’t drain your energy, she restores it.

She loves you into purpose, not just into pleasure

She’s not just there for the good times or for what she can get. She’s invested in your becoming. She helps you walk in your calling, even when it’s hard.

______
Your success as a man will greatly be influenced by who you marry. One mistake, and everything you've built will collapse in seconds.

Defining your purpose is a good start to becoming successful

Staying around friends that has positive influence in your life has good progress in you becoming successful

HOW TO BUILD A CEO MINDSET AS AN ONLINE BRAND OWNER

Sweetheart, if you don’t start thinking like a CEO, your online brand will forever remain a hobby.

And hobbies don’t pay bills!

When you see fellow women making mind blowing money online? It’s not magic.

They have something you might be overlooking, a CEO mindset.

That’s the difference between running your brand like a side hustle and running it like a business that funds your dream life.

Let me break it down for you:

1. STOP SEEING YOUR BRAND AS “JUST ONLINE”

A lot of women make the mistake of thinking, “It’s just social media. It’s not that deep.”

Big mistake!

You need to start seeing your online brand as a real business.

If you take it seriously, others will too.

Show up like a boss.

Be intentional about your content.

Stop running it when you feel like, have a strategy.

2. KNOW YOUR NUMBERS, KNOW YOUR MONEY

You’re not just a content creator, you’re a businesswoman.

Do you know how much you made last month?

Do you track your sales? If not, you’re running your brand blindfolded.

Have clear income goals.

Track every naira you make and spend.

Charge your worth!

Stop underpricing yourself out of fear.

3. MOVE FROM EMPLOYEE THINKING TO CEO THINKING

If you’re waiting for someone to tell you what to do, you’re still thinking like an employee.

CEOs take charge!

Invest in learning new skills (marketing, branding, sales).

Make bold decisions without fear.

4. BRAND POSITIONING IS EVERYTHING.

A CEO doesn’t just “post and pray.”

She positions herself to attract the right audience and clients.

Speak with authority in your niche.

Show social proof, testimonials, success stories, results!

Network with other high-value women (your circle matters).

5. CONSISTENCY IS YOUR BEST FRIEND

Sis, if you show up today and disappear for two weeks, how will people take you seriously?

Consistency is what turns followers into buyers.

Plan your content ahead.

Show up even when you don’t feel like it.

Keep refining and improving your content.

6. DEVELOP A GROWTH MINDSET

A CEO doesn’t cry over low engagement or failed launches, she learns and improves.

See challenges as lessons, not roadblocks.

Be adaptable (social media change fast).

Never stop evolving!

If you want a profitable online brand, you need to start thinking and acting like a CEO today.

No more playing small.

As for me, I’m here to play the big game!

Affirm with me

I am worthy of love, success, and happiness.
My body is strong, my mind is focused, and my heart is at peace.
I move with grace and confidence, knowing that everything I need is already within me.
I release fear, embrace healing, and welcome growth.
Divine guidance lights my path, and I trust the timing of my life.
I am rooted in purpose, surrounded by love, and aligned with peace."

TOP 100 RULES OF CONCORD (Subject-Verb Agreement) with Examples
1–10: Basic Subject-Verb Agreement
Singular subjects take singular verbs.
➤ The dog barks at strangers.

Plural subjects take plural verbs.
➤ The dogs bark at strangers.

Two singular nouns joined by “and” take a plural verb.
➤ John and Mary are here.

Two singular nouns referring to the same person take a singular verb.
➤ My friend and mentor is coming.

When “each” or “every” precedes two nouns joined by “and,” use a singular verb.
➤ Each boy and girl has a book.

Indefinite pronouns like “everyone,” “someone,” “nobody” take singular verbs.
➤ Everyone wants success.

Plural indefinite pronouns like “many,” “few,” “both” take plural verbs.
➤ Many were invited.

Collective nouns can be singular or plural depending on context.
➤ The team is winning. / The team are arguing among themselves.

A compound subject with “or”/“nor” agrees with the nearest subject.
➤ Neither the teacher nor the students have arrived.
➤ Neither the students nor the teacher has arrived.

Titles of books, movies, etc., take singular verbs.
➤ “The Chronicles of Narnia” is a great movie.

11–30: Special Cases & Exceptions
Words like “mathematics,” “news,” “economics” take singular verbs.
➤ Mathematics is difficult.

But “statistics” can be plural if referring to data.
➤ The statistics are misleading.

Units of measurement or money are singular if seen as a whole.
➤ Five hundred dollars is a lot of money.

When subjects are introduced with “there” or “here,” the verb agrees with the real subject.
➤ There is a book on the table.
➤ There are many books on the table.

Nouns with plural form but singular meaning take singular verbs.
➤ The news is good.

A singular subject followed by phrases like “as well as,” “together with,” etc., takes a singular verb.
➤ The teacher, as well as the students, was present.

“One of” always takes a singular verb.
➤ One of the boys is missing.

“A number of” takes a plural verb; “The number of” takes a singular verb.
➤ A number of students are absent.
➤ The number of students is increasing.

Gerunds used as subjects take singular verbs.
➤ Swimming is fun.

Uncountable nouns take singular verbs.
➤ Water is essential.

31–50: Agreement with Modifiers & Complex Subjects
Subjects with “many a” take singular verbs.
➤ Many a student has passed the exam.

Subjects starting with “what,” “who,” or “which” follow standard agreement.
➤ What is needed is support.
➤ Who knows the answer?

“Each of,” “neither of,” “either of” takes a singular verb.
➤ Each of the players was tired.

“All of,” “some of” take plural verbs if the noun is countable.
➤ All of the cookies are gone.

“None” can be singular or plural depending on context.
➤ None of the cake is left.
➤ None of the books are missing.

Subject before the verb still rules the agreement.
➤ Behind the house sits a cat.

When collective nouns act as a unit, use singular.
➤ The jury has given its verdict.

When individuals in a collective are emphasized, use plural.
➤ The jury are arguing among themselves.

Singular subjects joined by “along with,” “as well as” don’t change the verb.
➤ The CEO, along with his team, is attending.

“There is” vs. “There are” depends on the subject after it.
➤ There is a car outside. / There are cars outside.

Tosin Eniolorunda, the founder of Moniepoint, is a wealthy young man.

He will be 40 this year and should be unarguably one of the richest, brightest young minds of my generation.

According to unofficial estimates, his stake at Moniepoint is worth over $100 million.

But he was not always this wealthy; running and founding Monie Point changed his life.

Prior to 2017, before Moniepoint was founded, Tosin was just a tech entrepreneur who ran a software consulting company, and he was living at 1004 Estate in Lagos at that time.

What Tosin’s consulting company does is simple: provide a software solution that Nigerian banks use for their day-to-day operations.

But they were doing more than that.

They also build bank apps.

Sterling Bank and Unity Bank apps were built by Tosin and his team at Team Apt, the name of the software company.

Until one day, Tosin got an email from Sterling Bank that the bank is pulling out and does no longer require the services of Team Apt.

Tosin’s mind went blank; he was driving on Ikoyi Road when the message came in.

Sterling Bank was an important, valuable customer, and losing them was a fatal blow for his business cash flow and a monumental setback for his young, budding tech business.

How he was able to get to his destination after digesting that mail was a miracle.

From that setback, his team went back to the trenches to strategize and plan on how to stay afloat.

From that setback, that was how the Dream Monie point was born.

For Monie Point to become a reality and not suffer a stillbirth, one man so much believed in Tosin and in his dream to revolutionize the fintech industry, one customer at a time.

His name is Olu Oyinsa, and he runs Oui Capital, an early-stage African venture capital firm that invests in fintechs and early-stage tech companies.

He met Tosin and was like, Yo! This guy is different, and because of that conviction, he invested $150,000 in Moniepoint for a 1.2% stake in Moniepoint, and his investment was done in 2019.

His understanding of the banking technology stack and payment infrastructure was impressive. I knew he was up to something exciting,” Oyinsan recalled.

Without that conviction and strong belief in Tosin and Moniepoint by Olu Oyinsan, Moniepoint could have died.

Fast forward to 5 years later, after the $150,000 investment into Monie Point was made.

Monie Point has grown, has scaled, and is now a unicorn (a company worth $1 billion and above).

That $150,000 invested into Moniepont in 2019 is now worth more than $10 millon.

Last month, Olu and his team partially took out $8 million from their investment .

A very successful exit success story and rare in Nigeria’s tech ecosystem