The One Thing You Must Consider With Mutual Fund

Let’s start with the basics. What is a Mutual Fund?
A mutual fund is a type of financial vehicle made up of a pool of money collected from many investors to invest in
stocks, bonds, money market instruments, and other assets. These funds are managed by professional money managers, and these organizations abound in the country.

This Veggie Display Accurately Depicts Mutual Fund.

If you are a low income earner, your safest bet in terms of investing is mutual fund. At the end of the month when your salary hits your bank account, it might be the current norm that you are participating in a casual form of ‘Esusu’ or in today’s parlance, ‘Co-operative’ with a group of friends or colleagues. The advantage of participating in a ‘Co-operative’, is the opportunity it affords to raise moderate to large sum of money, if you are investing for the future.

Assuming you have N5,000 – N10,000 monthly to allocate for investment, I will highly recommend you set aside this sum and invest in a mutual fund over a long period of time. You might want to ask ‘When can I withdraw from a mutual fund?’ As soon as your monthly income is doubled or tripled, you can withdraw your invested sum and start allocating it to any money market instruments you select.

Why You Should Avoid A Black Guardarropa

Take a cursory glance when you walk into a office, perusing what the female employees are wearing and the color ‘Black’ , is a predominant color. Sometimes I think the official color for most Naija women is black.

My first job was at a leading financial institution. The official colors were black and dark navy blue. Gosh! How depressing it was back then. I remember thinking, there is no way I am going to be stuck up in a black or navy blue suit all day, traipsing the streets of Lagos without a personal car. The heat and humidity out there will suck the energy out of me.

My female boss who was light years ahead of her time, gave me the leeway to dress whichever way I please, so long as it was not vulgar, tight or transparent. I stuck to the bright end of the rainbow spectrum. Till date, I do not own a black handbag. While I own 2 pairs of black shoes, my shoe collection consists of orange, green, blue, pink, red, nude etc. No dull colors for me. Along the lines, female colleagues handed over cash so I could procure the same clothes for them. When the principal manager of the branch, felt my influence was rather pervasive, she approached my boss to complain and was told to ‘back off’.

One of the few things you can do, to aid your career growth in the workplace is to ditch a black wardrobe especially if you work in an office, filled with expatriates. The colors black, brown, navy blue completely washes you out. Keep in mind that your skin color is not a major consideration, by western manufacturers, when making these clothes. I am always at a loss anytime I am on vacation overseas, and see people of African descent, adorning black. Girl! YOU ARE INVISIBLE….No one and I mean no one sees you especially people of other skin colors.

This is the practical truth. The next time you are in a video conferencing call, seated in a room of expats which can range from Caucasian to Asians, take a cursory glance on the screen and see if you are visible or not. If you are wearing the colors mentioned above, chances are high that you are washed out on the screen. Let me give you a visual aid. Your hair color is black, your skin color is brown or a darker tone, you love the colors black, brown and navy blue. You need to put an end to this debilitating habit, as it makes you invisible along the corridors of power.

When a Caucasian or Asian wear black, you can interpret the fleeting emotions on their face. You on the other hand, have simply boxed yourself into a corner, as no one can interpret the emotions on your face, as you are completely washed out. The same thing occurs for Caucasians, when they adorn white and bold colors. These colors wash out their pale white skin.

Instead, adorn yourself in bold, bright colors. In the workplace, you must make it a habit of registering your presence in the minds of your expat colleagues, when you walk into any room. Bold, bright colors accentuate your skin tone and in a room filled with expats, no one will ignore you. Your opinions will be sought for. Just make sure you own your end of the intelligence angle. Trust me, you will always be remembered as the lady who leaves an impression with her color choices.

Remember, no se permiten flores de pared aquí….which means, “No Wallflowers Allowed Here”. For the month of March, I am offering great savings in your cart when you purchase here.

Glossary:

Guardarropa – wardrobe

Enough OR Not Enough?

What’s Your Financial Shield?

If you are going to live the life you desire, on your own terms, without conforming to societal norms and expectations, ‘Financial Freedom’, is the main key. Now when I speak about financial freedom, its’ not all about having excess money, you’re not sure how to spend it all.

No, this is not the picture I want you to have in mind. Financial freedom will save you from making terrible, hurtful decisions. It will save you from terrible bosses, toxic workplace culture, abusive relationships where its’ mandatory to lose your individuality, so a little of your true self can survive. And in situations where you end up making terrible decisions, financial freedom will step in, to aid you in redeeming the situation. Irrespective of wherever you reside globally, this principle is a universal one.

Seeking Life Adventures

How do you determine when it is enough and you can bow out of the corporate or whichever race you are on? It is relative to each individual. Assuming you want your kids to pursue higher education in a foreign land, you want to explore the world while retired or simply want to live out your days in relative splendor. If your current monthly expense range within N50,000 – N100,000 monthly, and passive income you are currently earning is within this range, will you consider this enough?

Some might while others’ won’t. My personal yardstick is once 20-30% of annual passive income earned, can take care of your daily needs, then you have passed the yardstick. Please pat yourself on the back and take out time to evaluate goals you have set for yourself this year. Financial freedom is around the corner.

Jefe Egoista

How do you deal with a boss who’s egoistical and tends towards narcissism sometimes? NOTHING! You heard me right…absolutely NOTHING. Stop agreeing with every damn stupid word that spouts up from his/her mouth. Rather learn to rein him/her in and if s/he declines, darling step aside, and let him run into the marketplace amok like a raging bull.

Honestly, your days and nights will be much peaceful, since the only thing you will be bothered about is cleaning a bit of the mess he’s left behind. Majority of the mess he’s caused will be cleaned up by none other than ‘El Hombre/La Mujere’.

As part of the lead management team in the SSA region, I report directly to a boss overseeing SSA. While he’s a creative person, sometimes he lets his ego get the best of him and decides to do stuffs that are not aligned internally. Last year, we had developed a creative campaign for a leading brand. When the first cut was presented to the board, there were some elements that were added (talk about too many cooks spoiling the broth). I had raised my objections and given clear cut reasons on why these suggested elements, should not be added to the overall creative.

I am always pissed off when foreigners think they have a secret insight into local life. Disculpe Senor, you know jack shit. When did you arrive and what has been the duration of your stay in the country/continent to think you have an idea of local idioms, cultures and norms in developing a campaign? Suffice to say, the campaign bombed and talk about a major backlash from TG. Consumers were so loud that our North American office had to step in to resolve the ongoing madness.

I cleaned up social media and the next morning, my boss called me in. By this time, he had been chastened and made to see the error of his way. I knew there was a narcissistic storm on the way when he said “Jan, you realize this campaign was developed with a lot of love for the local custom and culture.”

“You know I have always depended on you to set me straight, when i veer off the beaten path”. In my thoughts, I am thinking “hey el hombre, take a dip in the water. I reined you in once or twice and you wouldn’t listen. Be bold enough to face the storm”. Stop this emotional blackmail B.S. It does not work on me. Cut me some slack on the sob story.

I sat in his office pretty as you please, while we evaluated where he went wrong, how we can salvage the situation and come out stronger on the other end of the rainbow. By the end of the day, we had a solution for the national disaster he had created.

Wheew! All in a day’s work.

Glossary:

SSA – Sub Saharan Region

TG – Target Audience

El Hombre – The man

Disculpe – Excuse me/Pardon

La Mujere – The woman

Senor/Senora – Sir/Ma’am

Jefe Egoista – Egoistic Boss

In With The Cheeky, Out With The Old…

You’re wondering how to celebrate Valentine’s day, in a unique and memorable way? I don’t know about you but I will be curled up, in front of the TV, watching my favorite series ‘Ajoche’.

I am so caught up in Idoma culture and language right now, nothing else matters when you have spent 3-4 hours daily navigating Lagos traffic. Traffic in Lagos kills whatever sort of libido you have and by the time I get home, I am in the mood for sleep and lots of it, nothing more. When the team behind <a rel=”nofollow” href=”https://www.paperlesspost.com“>Paperless  Post</a>  reached out to me, asking if I will be interested in checking their products cum services out? I wasn’t really sure cos I am yet to find out what beats what I am using currently. It makes the life of a creative much easier with the platform I use.

The first thing I did was to visit the website and check how they stack up. Paperless Post is a platform that offers you the freedom to customize cards, flyers, invitations based on your personal style. I am currently customizing a cheeky card for my partner and a charitable organization I support.

<a href="http://Paperless Post “>The platform was quite easy to use and I was able to customize to my hearts content. However, you can only tweak the background and text. Graphic elements on a card for instance, cannot be tweaked. While I am aware that this was created with a particular demographic in mind, it’ll be nice to have bolder colorful backgrounds rather than the pink, pastel and neutral tones.

Go check it out.

What’s Next?

We are open signage

I have been thinking of closing this blog down since life and other stuffs have finally caught up with me. I thought I would rather transition this blog to a podcast. After thinking about it, I thought to myself, “Jan, why don’t you do a pivot with this blog, by sharing some of the steps you have taken in the corporate world to get to where you are today?

Yeap, you guessed right, I will be using this year to share my nuggets of wisdom on navigating the corporate ladder. Note of warning: my approach is quite brutal and mafioso. I am not a wallflower when it comes to the workplace and I always take no prisoners alive.

So if you are not comfortable with being hated, gossiped about in the workplace, feared and respected for the values you bring into the workplace, then this might not be for you. However, if you are comfortable with being hated, and can use that negative emotion to propel you on the career ladder, you are welcome on this ride, however nerve wracking it might be.

I will share how I have orchestrated my career working with expats and locals. If you’ve got organizational challenges in your current workplace, shoot me a email (your current employer/organization should be denoted “All Way na Way”). I will try to point you to a conclusive option. The actual work lies with you.

Welcome once more!

Migration

Hello Ladies,

It’s been a while. I’d like to inform you all that this blog will be migrating to a new platform by Saturday. A warm hug goes to all the incredible ladies I have met over the years while running this blog.

Change is good and it’ll only get better. I’ve set up a new home for this blog and you can visit us by clicking here or here. We’re still available to attend to all orders tat come in through this blog but you can catch up with me on all news relating to hair matters and other stuffs as well.

Thanks a lot.

Jan