Saturday, 21 November 2015

PRINCIPLES OF STRATEGIC WEALTH CREATION


Banks and brokers, stocks and bonds. These are the ingredients of traditional investing -- but currently, they tend to preserve rather than create wealth. This is because no matter how well thought-out your portfolio, investment expenses, taxes and inflation will ultimately impact your attempts at wealth creation.

Investors who wish to create rather than preserve wealth should aim toward annual returns of 10 percent or higher. Investors cannot achieve this by following traditional stock/bond recipes or listening to their bankers or financial advisers, who tend to create generic investment recommendations based on analyzing opportunities quantitatively.
What should be at the heart of any successful investment endeavor are the immense value of clients’ personal knowledge, skills and resources. Investors should build strengths and core competencies that enable them to invest successfully. They should develop their own strategy based on seven highly interconnected principles:
  1. Build on core strengths and competencies. This is the essence, the raw material needed to help investors succeed.
  2. Exploit opportunities. Build on your knowledge of a specific field. Scan the environment and be sure to take a long-range view. 
  3. Make use of networks. Keep core competencies at the heart of the network. Do not overlook the importance of weak ties. 
  4. Apply an investment approach that differentiates you from others. Decide where you want to differentiate: A niche asset class, industry or geography? Build core competencies that differentiate you and apply an indirect approach. 
  5. Prevent threats and understand how to handle risks reasonably. Threats and risk may inevitably lead to losses. Manage them through rigorous analysis and careful selection of core competencies that need to be developed. 
  6. Fit the time dimension by observing trends and cycles. Timing is crucial. Be sure to think in cycles. Apply the big picture, and clarify your investment horizon. Also, ensure strategic flexibility. Be creative and courageous, but also patient. 
  7. Execute with efficiency. Avoid or reduce fees and implement your strategy at a low cost. Watch out for opportunity costs.
Written by Daniella Davenport

Over 50million Nigerians defecate openly –UNICEF

THE United Nations Children’s Fund, UNICEF, has disclosed that over 50million Nigerians do not have access to toilets hence resort to open defecation.
Defecation
UNICEF: Over 50m Nigerians defecate openly
The world body also revealed that Nigeria ranks among the five countries in the world with the greatest rates of open defecation.
This was made known in a report issued yesterday by Ijeoma Onuoha-Ogwe, UNICEF ‘A Field Office’ Communication Officer (Advocacy, Media and External Relations) on behalf of Sanjay Wijesekera, head of UNICEF’s global water, sanitation and hygiene programmes, to coincide with World Toilet Day.
The report titled, Improving Nutrition Outcomes with Better Water, Sanitation and Hygiene, pointed out the emerging evidence of links between inadequate sanitation and malnutrition among children.
Wijesekera was quoted as saying that “Nigeria loses over 150,000 children to diarrhea annually. After pneumonia, it is the biggest killer of Nigeria’s under-fives; 88 per cent of diarrhoea cases in Nigeria are attributed to unsafe water and sanitation. Where rates of toilet use are low, rates of diarrhoea tend to be high.
“Intestinal parasites such as roundworm, whipworm and hookworm are transmitted through contaminated soil in areas where open defecation is practiced. Hookworm is a major cause of anaemia in pregnant women, leading to malnourished, underweight babies.
“We need to bring concrete and innovative solutions to the problem of where people go to the toilet, otherwise we are failing millions of our poorest and most vulnerable children.”

Culled from the internet

Man Shot Dead While Testing Potency of Anti-gun Charm

A man has been shot dead while testing the potency of his anti-gun charm in Maiduguri.
Lukman Alhaji Umaru was shot dead with a Dane gun on his request, by his friend identified as Hassan Mohammed.
DailyPost says Mohammed is now standing trial before a Maiduguri High Court presided over by Justice Alkali Gana Wakkil of Court 11.
According to reports, the deceased and his friend had assembled in the house of one Yahaya Halidu and were having breakfast when the incident happened.
The Assistant Inspector General of Police, AIG, Tunde Ogunsakin said the deceased claimed he had anti-gun charms. He then went to his house and brought assorted charms and a Dane gun and requested Mohammed to shoot him with the gun claiming that it would not harm him.

However when Mohammed aimed at the deceased and fired at his head with the gun, he fell and died.
Justice Wakkil adjourned the case till December 4 to enable Yahaya Halidu in whose house the incident happened, to testify before the court.


Dangote Reportedly Among 170 Hostages At Radisson Blu in Mali


Gunmen attacked a five-star hotel in Mali's capital Bamako on Friday and are holding 170 hostages.
Attackers shouting "Allahu Akbar" opened fire outside the Radisson Blu Hotel in the centre of the capital before storming it.
Speaking lately from Bamako, business owner Garba Konate said a group of attackers showed up about three hours earlier.
 "About 10 gunmen arrived early in the morning and shot all the guards in front of the Radisson," Konate said.One of the guests said to be staying at there is Nigerian Aliko Dangote - the richest person in Africa.
The hotel's owner said it was "aware of the hostage-taking that is ongoing at the property today ... As per our information, two persons have locked in 140 guests and 30 employees," the company said in a statement.
However, some minutes later, Dangote official handle on Twitter debunks the report, Read here "I am safe,i left Mali yesterday".

culled from the internet

THE FIRST LOOK

Trailer For Central Intelligence Comedy Starring The Rock and Kevin Hart.The first Central Intelligence trailer has been released, an upcoming action comedy that stars Dwayne Johnson and Kevin Hart. The film also stars Amy Ryan, Ed Helms, Danielle Nicolet and Bobby Brown

 Kevin Hart plays a former high school sports star turned accountant who, on the eve of a class reunion, is contacted by a former classmate (Johnson) who used to be a bullied “loser,” but who is now a contract killer for the CIA and who wants Hart’s character’s help to foil a plot to sell classified military secrets. Amy Ryan then plays another CIA operative tasked with bringing Johnson’s character in.

THE EXPERIENCE


The event holds on December 6.
The 8th edition of the yearly interdenominational gospel concert, The Experience, hosted by Paul Adefarasin of House on the Rock Church, returns with international gospel singers as headliners for this year’s concert.
Popular international gospel singers, Don Moen, Donnie McClurkin, Yolanda Adams, Tye Tribbett, Deitrick Haddon, Isreal Houghton, Cece Winians, and Micah Stampley are expected at the event.
The Soweto Spiritual Singers from South Africa will also join Nigerian acts like Eben, Frank Edwards, Midnite Crew, Freke Umo, Mike Aremu, and Sammie Okposo at this year’s edition themed ‘Heaven on Earth’.
The Experience will hold on December 6 at the Tafawa Balewa Square, Lagos.

SEVEN STEPS TO AVOID SEXUAL SIN AND STAY IN MINISTRY



 Pastor Sunday Adelaja

Some time ago, a good friend of mine disqualified himself from ministry due to an inappropriate relationship with a woman in his church.
I want to try to redeem this tragedy by offering the following seven thoughts in an effort to spare us, our families and our churches from a similar fate.

1. Don’t say it can’t happen to you. 

While most of us readily nod our heads in agreement, in our hearts we can still live in functional unbelief of this fact. We need to constantly remind ourselves of Paul’s warning to the Corinthians in 1 Cor. 10:12: 

Therefore, let anyone who thinks that he stands take heed lest he fall.

That means it can and could happen to us, and we must be vigilant in this area and all others. The world is broken, our enemy is against us and our flesh is weak.

2. Repent of your pride and self-righteousness in this area.

The Bible clearly teaches:
Pride goes before destruction, a haughty spirit before a fall (Prov. 16:18).
Every pastor I’ve ever known who has fallen into sexual sin was one who at one point believed he never would.
So often, it is our pride that allows us to “push the envelope” and think we are the exception to the rule. It is also pride that can keep us from getting the help we need so we could have avoided this particular fall in the first place.
Most affairs don’t begin on a whim. The seeds are sown in the soil of an unhappy or tumultuous marriage.
Brothers, if there are currently problems in your marriage, please reach out to someone and deal with them now so you don’t become a statistic later.

3. Put all the needed safeguards in place—and keep them there.

The highway of the upright avoids evil; those who guard their ways preserve their lives (Prov. 16:17).
All of us know this is true, but are we living as if it is true?
We know we shouldn’t be alone with a member of the opposite sex, but do we keep our rule faithfully?
We know we should have working porn filters on our computers, but do we?
We can all agree that any of our practices can be cumbersome at times, but situations like this remind us that they are more than worth it.
Please, brothers, for the sake of the Gospel and our churches, heed the warning today and employ whatever specific practices you need to keep yourself pure and your ministry intact.

4. Don’t just have a plurality in place—have one in practice.

Far too many churches have a plurality of elders on paper, but, in reality, have a senior pastor surrounded by “yes-men.” This kind of unhealthy leadership system only aids in the conducting and concealing of sexual misconduct.
If you are concerned about a member on your team, even if it is the most senior leader, please have the courage to sound the alarm. Of course, this should be done personally, honorably and hoping the best for all parties involved, but silence is often exactly what allows deeds done in secret to remain in secret for so long.
Don’t be afraid to ask the hard questions. Too much is on the line.
On a similar note, this means we also have to practically “have the backs” of our teammates in ministry.
I saw this in action a few years ago when our church was still meeting at a local high school. After our gathering, I got “cornered” by a single girl who had questions about our church. Seeing what was unfolding, one of my elders came and stood (conspicuously) next to me until our conversation was finished. He protected us all that day, and I am thankful for his friendship.
How well are you protecting your team in this area?

5. Make your wife your partner in purity.

This is a tricky issue, and there is some legitimate debate over how “in the loop” she needs to be. My perspective is:
Your wife needs to know enough to be prayerful, but not so much that she is paranoid.
Practically, this means your wife needs to know that emotionally needy women are often attracted to pastors, and those pastors don’t notice what is happening right before their eyes. It also means she needs to know that regular intimacy with her is a helpful practice that can keep you from looking for it elsewhere.
It may also mean she may periodically check out your phone or Facebook page for anything inappropriate. At a minimum, protecting each other’s integrity should be a topic of regular conversation.
How are you and your wife partnering together for the sake of each other’s purity?

6. When in doubt, err on the side of caution.

Most practically, this may mean you simply don’t hire a female assistant.
Some guys do it and things are fine, but plenty of guys do it and that is exactly where everything begins to unravel. For most lead pastors, their assistant works more closely with them than nearly anyone else in their lives and, in my view, that role being held by a member of the opposite sex is a risky endeavor. I do not recommend it.
Also, unless there is some kind of extreme circumstance, I avoid traveling alone. In addition to the obvious accountability, it also affords extra mentoring time on the road for my younger pastoral or church-planting residents.

7. Never forget we are in a spiritual battle with real winners and losers.

Though we may try to ignore it, we have three very real enemies (the world, the flesh and the devil) who are all more than happy to play their part in helping us flame out of ministry.
In my experience, it also seems that the kingdom of darkness is particularly benefited when a pastor goes down because of moral failure because, like a grenade, it does damage on so many levels at once.
To help me in my own struggle for purity, I reflect on this painful truth often. I picture what would happen to my wife, children and church if I chose pride and pleasure over Jesus in a moment of weakness. It drives me to the Scriptures, my wife and my ministry team to help me stay the course.
When is the last time you stopped to remind yourself of the battle we are fighting?
Brothers, time and time again, the Scriptures are clear: Sexual sin is both damaging and deadly to all it affects—especially pastors.
For the sake of all of us, please don’t become a statistic.
Please pray for me and those closest to you that we don’t become statistics. Please take the steps necessary to walk in integrity, and let’s cross the finish line strong together for the glory of God and the good of our families, churches and the world around us.

Written by Pastor Sunday Adelaja
http://www.sundayadelajablog.com

John Cena Announces He'll Host 'American Grit' Reality TV Series

The "face that runs the place" in WWE has been given the reins to another high-profile program,John Cena announced on Wednesday that he'll be hosting a reality television series called American Grit, which is scheduled to air on Fox.

 John Cena, 38, is currently taking time off WWE television to shoot the series. He lost the United States championship to Alberto Del Rio at last month's Hell in a Cell pay-per-view and has not made an appearance since.

48 Year Old Woman Delivers Set Of Twins After 20 Years Of Marriage


Twitter user  Pro Folayan Osekita shared the photo on twitter with caption: “Miracles arrived yesterday – My friend’s sister (48) was delivered of a beautiful set of twins Male &Female after a 20 year wait!