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Showing posts with label Development News. Show all posts
Showing posts with label Development News. Show all posts

Ways To Avoid Being Denied Your Mortgage



In some cases, people come up with part of the money needed to buy a house, but coming up with the rest of the money becomes hard. Based on this situation, a fair number of people take special loans from banks in order to buy a house in Nigeria. 

The reality is that not everyone who requests mortgage from banks is given instead they are denied mortgage because of simple mistakes they could have avoided. Below are helpful tips on how to avoid being turned down when you request for a mortgage.

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Eliminate Your Debts
Before a bank grants people mortgage, they always want to know if you are a debtor or a debt-free person. When applying for a mortgage, make it a priority to eliminate all your debts if possible. Existing debts send banks a red signal.

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Improve Your Debt-To-Income Ratio
The debt-to-income ratio is simply the ratio of the amount of your income you allocate to paying debts, to your total income. When you have a debt-to-income ratio greater than 30 – 35 percent, you should be aware that you are on the red side. To stay on the green side, you should reduce your debt-to-income ratio to 30 percent or less.

You can reduce your debt-to-income ratio by increasing your income.

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Keep a Good Employment History
Before any bank loans money out, they would have to confirm that the person can pay the loan back. Are you the kind of person who switches jobs often? If yes, this is a red signal to a bank. Financial institutions will consider this financial instability, and deny your application for a mortgage. When you want to request a mortgage, it is important that you are stable job-wise.

If you can avoid all the mistakes listed above you can increase your chances of the bank granting you a mortgage.

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PROPERTYPRO: THE 2018 FIRST QUARTER REAL ESTATE REPORT

THE 2018 FIRST QUARTER REAL ESTATE REPORT

Nigeria’s leading online real estate sector PropertyPro.ng (Formerly ToLet.com.ng) releases a report of the Nigerian real estate sector for the first quarter of the year 2018. The report focused on the trends of the Nigerian real estate market in the year 2017 and the first quarter of 2018. 


The study analyzed how impactful the economic recession was in the real estate market. It also looked at trends and going prices for properties within the residential and commercial umbrellas of the real estate market.

According to the CEO, Fikayo Ogundipe, “a lot is happening in the real estate sector, especially in Nigeria, and we feel it is something worth talking about. With this report, everyone interested in the real estate sector in Nigeria will be able to understand the current trends of the Nigerian real estate sector.” The report has been influenced by the rate at which properties are searched for online by Nigerians and this explains the interest of house hunters in 2017 and the first quarter of the year 2018. “We monitored the most searched types of properties by Nigerians along with the price range that fell with the interest of online real estate end users,” said Ayeni, the Chief Technical Officer.

As noted by the Chief Operating Officer and co-founder, Oladapo Eludire, “Real estate investment always require lots of funding and when dealing in such high-risk investment, gut-feeling isn’t enough in making the best decisions. Such decision needs to be backed up by data. PropertyPro.ng being the most used online real estate platform with the largest listing database across the country has given us insight into the Nigerian real estate market on a micro and macro level.”  Sulaiman Balogun, Chief Business Officer, and co-founder stated that the statistical verbal of the report makes it evident that the real estate sector is experiencing a significant growth to retain its position as the 5th biggest contributor to the GDP of Africa’s largest economy.

This report by PropertyPro.ng has detailed study of the real estate economy in the economic overview column while the property trend explains the current trend of the Nigerian real estate market in terms of residential and commercial properties, and the current trend in the prices of properties (for sale and for rent) in various locations across the country. Contained in this report is the Land Use act thoroughly explained. This real estate report by PropertyPro.ng also featured studies of emerging real estate market in Nigeria as a whole, highlighting activity and performance. For more information about the real estate quarterly report by PropertyPro.ng, Kindly visit https://www.propertypro.ng/report.

PropertyPro.ng (formerly ToLet.com.ng) is one of Nigeria’s prominent online real estate company with parlaying success of providing solutions to bridge the gap between real estate professionals, investors, and house hunters. PropertyPro.ng is a member of the ToLet Property Group along with other members; Prestige magazine, PropertyPro Magazine and Moveme.com.ng founded by the brainchild of four visionary young men; Fikayo Ogundipe, Oladapo Eludire, Sulaiman Balogun and Oluwaseyi Ayeni. With the acquisition of Jumia House (Lamudi), PropertyPro.ng has pivoted to become a property classified platform with over 10,000 agents and over 60,000 listings.

Experts have projected the Nigerian real estate sector will grow at the average of 10% in the next few years. The real estate sector has been valued by National Bureau of Statistics to worth at an average N8.06 trillion which is over 8% of Nigeria’s GDP. With the recession that hit the country a few years ago, the real estate market in Nigeria still remains vibrant.
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Must-Have Habits To Become a Successful Real Estate Agents in Nigeria


Everyone wants to be successful. Nobody goes into a business with the goal of failing in the end. It’s not enough to desire success in real estate sector but to know how to achieve the desired success in the business. The question then is how do you achieve success as a real estate agent in Nigeria?  Below are helpful habits that will set you on the path to success in your real estate business


1 Be Proactive: Manage your time
2 Devise A Plan
3 Technology
4 Keep Learning
5 Respond to your Leads promptly
6 Advertise Online

Be Proactive: Manage your time
Practicing a proactive approach to the ever-changing market forces of supply and demand in the real estate sector sets you on the path of success. You need to be proactive by giving your attention to generating leads, leveraging referrals and building a structure around your business.

Devise A Plan
Planning is a key component in becoming a successful real estate agent in Nigeria. That why the famous quote if you do not plan to succeed then you have planned to fail is very true in any situation. Before you take any step regarding your business, ensure you have developed a plan for it. Majority of the failures recorded in real estate market among real estate agents is as a result of lack of a plan. In setting your goals, ensure they are SMART(specific, measurable, accurate, realistic and time-bound) goals.

In achieving success in your real estate business, there are no shortcuts. Ensure you adapt your plan to varying situations.

Technology
Technology is a very effective tool for becoming a success in your real estate business. Embrace the digital age by using means of technology to expand your business, attract property finders, network with other professionals and get more referrals. The reality is that technology has provided tools you can use to maximize profits.

Keep Learning
To remain relevant as a real estate agent in educating your clients, you must keep educate yourself. The key here is continuous self improvement by reading books, feedback, watching videos, going for seminars and interacting with other agents It is quite important you stay updated with the latest trends and happenings in the world of real estate.

Continuous learning will not only give you success but keep you at a competitive edge above your colleagues.

Respond to your Leads promptly
As a real estate agent, responding to the leads is as important as getting them. Make it a priority to respond to leads as quickly as you can. The real estate market is time sensitive, so as an agent you need to always respond promptly.

Lately, because of the increase in the number of agents in the Nigeria real estate market, it has become very easy for other agents to take up your potential clients if you do not respond promptly.


Advertise Online
You must understand that advertising is highly targeted at the people and companies that need your services as an agent. Therefore,you can advertise your properties online on a reliable website like PropertyPro.ng. Online advertising is quite  effective as we are in a tech savvy generation.
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Apex Mortgage bank set to expand their market with 50m subscribers

Mortgage bank

Amid concerns that some contributors to the National Housing Fund (NHF) have not been able to access loans, the Federal Mortgage Bank of Nigeria (FMBN) has assured Nigerians that the amendment of the enabling legislations in the scheme would make it more robust and beneficial.

Accordingly, the bank explains that the objective is to expand its coverage to capture the potential 50 million-market sizes and contribute significantly to the target of creating one million new mortgages on an annual basis while maintaining the single-digit interest rate.

It also expounds that the step will further reach the downmarket beyond the lower medium income bracket; increase mortgage sector contribution to national Gross Domestic Product (GDP), meet the changing mortgage landscape and remain relevant in the face of other mortgage financing developments in the Nigerian Housing Sector.

The Managing Director/Chief Executive of the Mortgage Bank, Ahmed Dangiwa, an architect, made this known in Lagos during the Lagos Housing fair under the lecture titled; “Exploiting opportunities offered by the National Housing Fund Scheme” in Lagos.

Over the years, the NHF Scheme has contended with periods of rejection by workers, but recently, it has recorded a customer base of 4.6 million individual contributors and 22,290 organisations.

Currently, workers in twenty-eight (28) States of the Federation comply with the NHF Act by making monthly contributions. Regarding financial inclusion amongst the non-salaried, informal sector, 21,320 informal sector workers have been registered through 1,078 cooperative societies as contributors to the Fund.

NHF has funded the origination of more than 18,085 mortgage loans, the delivery of 25,850 housing units across the country, and 11,927 FMBN Home Renovation Loans, while a total of N19.3 billion has been refunded to 201,534 beneficiaries who have retired and consequently exited from the Scheme.

He restated that the bank was committed to achieving some objectives of the NHF which are: to mobilise funds for the provision of affordable housing in Nigeria; supply loans for building, purchasing and improving residential housing; incentivise capital market investments in property development and provide long-term loans to mortgage institutions for on-lending to contributors to the Fund.

“The framework for the NHF Scheme provided that its loans be granted at interest rates below market rates and on concessionary terms for affordability.

The purposes of the loans are also specific to funding mortgages for the outright purchase or construction of residential housing as well as the renovation/expansion of residential housing.

Over the years, FMBN has established construction financing loan windows to boost housing supply and is granting mortgage and construction loans through housing cooperatives. In addition, all contributions by individual workers are subject to a full refund, with savings interest based on terms specified in the NHF Act”.

Represented by the Zonal Officer of FMBN in charge of Lagos, Fashina Abiodun, he advised Nigerians to take advantage of its products which include; NFH mortgage loan, Estate development loan, the cooperative housing loans, FMBN home renovation loan and the ministerial pilot housing scheme.

He also assured that before the end of the next quarter, the Bank intends to achieve full automation of the NHF contributions collection process, to ensure transparency and accountability adding that each contributor will receive SMS and email alerts of monthly deductions and access historical contributions records online, real time.

“A “Rent-to-own” product is under process to eliminate the need for 10-30per cent equity down payment to make homeownership more accessible and affordable. The Bank is also engaging in strategic partnerships with stakeholders, through collaborations on the management and utilisation of the NHF Scheme.

“A case in point is the partnership with the Nigerian Labour Congress (NLC), Trade Union Congress (TUC), and the Nigeria Employers Consultative Association (NECA) for housing delivery to Nigerian workers.

Besides that, it is also a partner under the Federal Integrated Staff Housing (FISH) Programme aimed at facilitating homeownership for Federal public servants”, he said.

The major challenges of the NHF scheme according to him also include; workers’ contributions have been the only source of funding the NHF Scheme since inception, inability to enforce mandatory investments by commercial banks and insurance companies, and failure on the part of the Federal Government to make financial contributions, which has significantly limited the potential volume of resources.

He further added that the participation of eligible contributors to the Scheme is low, at just below 10 percent of the estimated 50 million-strong national workforce while affordability remains a major challenge to deepening the Nigerian mortgage market due to low-income levels in the country.

Credit: The Guardian

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Fashola assures citizens that FG won’t watch Niger bridge collapse

Niger bridge

The Minister of Power, Works and Housing, Babatunde Raji Fashola (SAN) has said that the President Muhammadu Buhari administration cannot fold its hands and watch the Niger Bridge, which was built in the 1950s, to collapse.


Fashola stated this while inspecting ongoing repairs and maintenance works on the Niger Bridge, adding that the Federal Government was mindful of the fact that the bridge remains the vital East-West link which has enhanced both socio-political and economic activities in the country, and as such, should not be allowed to collapse.

The minister, who was represented by the Director, Highways, (Bridges and Design), Engineer Adetokunbo Sogbesan disclosed that government has rekindled its efforts to fill the foundation of the existing Niger Bridge facing serious erosion challenges and to replace the vandalized bolts, nuts and rails. He noted that the second Niger Bridge which is 1.59 km in length comprises four sections namely: the Asaba Road, the Toll Plaza, the bridge and the Onitsha Road section.

Describing the bridge, Fashola pointed out that it will have two underpasses classified as secondary bridges planned at Amakom village in Delta State and Atani in Anambra State with an interchange at Obosi Junction of the Onitsha-Owerri Road.

Credit: Daily Trust

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DESTINY KING HOMES HAS WIN AFRICAN EXCELLENCE AWARD

Congratulations to the Managing Director of DESTINYKING HOME OF GLOBAL PROPERTIES AND INVESTMENT LIMITED which is know as DESTINY KING HOMES, Destiny Chimauchem Okpalaeke, for the great news he received on 2nd of May, 2018.


According to him on Wednesday, he received a call from London saying his company has received  an award of Best Real Estate Marketing Company in Nigeria in the 2018 African Excellence Awards which was held in London by Mea Markets. According to him, the caller told him to check his email and when he opened his email he saw the same thing.


"Hello Destiny

The panel has come to a decision and I am delighted to inform you that Destiny King Home Of Global Properties And Invest. Ltd has been successful in the 2018 African Excellence Awards, hosted by MEA Markets.

Destiny King Home Of Global Properties And Invest. Ltd has been awarded: 
Best Real Estate Marketing Company - Nigeria

What’s next? You need to decide how you’d like to celebrate the news. You are welcome to select our free Celebration Package,which provides you with the official press release and a listing in our SEO-driven online directory."
In our further discussion, he let us know that this is the second time he is wining Global Award. In 2015 he won award rating him as Top 2 Business Developing Manager in Nigeria Top Executive Award hosted in Australia by World Excellence Award Commission. This year on 2nd of May, 2018, His Company win the Best Real Estate Marketing Company in Nigeria held in London by Mea Markets, the Best Digital Global Marketing and Awarding Company in London.

As we discuss further, he let us know that his company has signed contract with two great Development Companies in Dubai for selling every of the buildings the Developed in Dubai and other Country and his company is their potential alias in Nigeria. They have also agreement in a black and white paper that these two great foreign companies are also coming down to Nigeria to develop some part of his company Estate land in Ibeju Lekki. Showing that by the next 3 years, DESTINY KING HOMES will become the greatest and best development reliable company in Nigeria.

We also celebrate your success achievement and all we have to say is keep it on.


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Top 5 Modern Kitchen Cabinets Design

Cabinets are to the kitchen just like food is to a Man’s belly. A modern kitchen can’t be complete without a cabinet as it is the only means by which you store equipment in your Kitchen. Kitchen cabinets are one of the important features of a modern kitchen design as it is one of the first things you notice in the kitchen.

The Kitchen cabinets are primarily used for storing food, cooking equipment or dishes and can either be installed on the wall or floor. Modern kitchen cabinets are mostly curved or geometric manner and don’t make use of moulding. Kitchen cabinets can come in different sizes, shapes and materials such as wood combination, solid wood and metal.

Check out Top 5 Modern Kitchen Cabinets Design below;
1 1. Base Cabinets
2 2. Wall Cabinets
3 3. Tall Cabinets
4 4. Diagonal Corner Cabinet
5 5. Custom Cabinets

base cabinet
1. Base Cabinets
Base cabinets are the common design of kitchen cabinets that allows for bulk storage and often built with inner shelving for items such as pots, cookware and cleaning supplies. As the name implies, base cabinets are kitchen cabinets placed on the lower parts of the kitchen space. Base cabinets are primarily built to sit under the counter top of the kitchen and remains the largest area of a cabinet system. Base cabinets come in different types such as open base, cabinets, base pull out cabinets, base easy access cabinets and corner cabinets.

wall cabinet
2. Wall Cabinets
Wall cabinets provide your kitchen with storage options above the countertops and the base cabinets. This type of cabinet is usually suspended above the countertops for easy access of kitchen items while in a standing or moving position and are typically used for storing spices, beverages and
lightweight utensils. Wall cabinets can only have a box frame, panelled door or hanging rail and can never include drawers or shelves. Consideration must be given to the wall that will house the cabinet, it should at least be 12 inches deep to hold the cabinets and heavy items should not be placed inside a wall cabinet. Wall cabinets come in different types such as wall end cabinet, wall angle cabinet and wall trash pull-out cabinet.

tall cabinet
3. Tall Cabinets
Tall cabinets outshine other types of kitchen cabinets as regards its height and storage capacity. Tall cabinets as the name implies can be as tall as 96 inches. Tall cabinets can be referred to as pantry
cabinets and are mostly used for utility storage. It has the capacity to accommodate large and bulky items such as food supplies. Types of tall cabinets are tall pantry pullout, utility tall cabinets and oven and microwave cabinets.

corner-cabinet
4. Diagonal Corner Cabinet
Diagonal corner cabinets are primarily designed to be installed in a corner space of a building and it offer more storage space as it is larger in dimensions. This type of cabinets provides a diagonal transition across the right angle of the corner. Diagonal cabinet dimension makes it difficult to reach deep inside the corner area except for the drawer style and as such the cabinet should not be filled with heavy items.

custom cabinet
5. Custom Cabinets
Custom cabinets are specifically built to serve an identified purpose. Custom cabinets are built to owner specifications and can be expensive, labor-intensive and time-consuming. A professional cabinetmaker or carpenter can be hired to measure the space where the cabinet will be used to prevent the cabinet from being too small or big. Custom cabinets are either built on or off site by a skilled carpenter, it has multipurpose use and can be used for kitchen that are not of standard size.
With the right kitchen cabinets, you need not struggle to get items behind the cupboard or back of the shelf any longer. The above-listed options will help reduce your stress of fixing your dream kitchen cabinets that will be functional.


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5 Bathroom Design Ideas for Modern Houses

bathroom design ideas

On no occasion should you carry a water-filled bucket to your bathroom to bath. Buckets are meant for storage and not to be switched for modern bathroom fittings. Modern bathroom design has become a luxury in the modern home.

Modern bathroom as an essential part of the house can be a good place for gym, music system or TV.

Check out 5 bathroom design ideas for modern houses below;
1 1. Bathroom Sizes
2 2. Storage Space
3 3. Fancy Lightning
4 4. Adequate Ventilation
5 5. Painting and Decor

bath size
1. Bathroom Sizes
The bathroom comes in different sizes such as the Master, Luxury, Full, Half, Children or guest bathroom. The functions that are to be performed by the bathroom determines its size and amount of fittings and decor. All of the bathroom types should include toilet and shower. The different sections of the bathroom should be separated into different compartments. Master, Luxury and Full bathrooms can include toilet, sinks, tub, showers or even exercise equipment. Modern bathroom designs should be big enough to allow a walk-in-showers installation.

bathroom cabinet
2. Storage Space
Modern bathroom designs offer homeowners with storage capacity. You can make use of the bathroom walls to fix shelves or cabinets anywhere in the bathroom. Corner shelves and towel hangers are best options to store toiletries and other things in the bathroom.


bathroom lighting
3. Fancy Lightning
Natural lighting is as important as water to the modern bathroom to restore some level of natural feeling in the bathroom and regulate the smell. The window or wall roof can be built in such a way that it will allow for sunlight penetration. Bathroom lighting give your home an illuminated, mixture of natural lights and artificial lights make your bathroom more pleasant and loving. Lighting should be used to brighten up space and properly enhance the decor.

bathroom windows
4. Adequate Ventilation
Wonder why some bathroom walls break into a sweat when someone showers, the ventilation system is not enough. Modern bathroom windows should moderately size to allow natural air passage. A mid-sized exhaust fan should be installed in the bathroom to enable the free flow of air from the
bathroom to more open spaces of the houses. Moisture and humidity generated by the bathroom can lead to damage by penetrating ceilings, floors and other parts of the house. A power ventilator should be installed to move bathroom to outdoors at least eight times per hour or once in 7-8 minutes.

bathroom colour
5. Painting and Decor
The decoration isn’t a common feature because primarily the bathroom shares the same painting with the house. The right choice of bathroom painting at an early stage will help avoid peeling or moulding walls. High gloss or semi-gloss paint should be purchased or special bathroom paints that are peeling-resistant. Brighter colours should be used in smaller bathrooms to make it appear bigger
and lively. Modern bathrooms walls can be painted in single, mixed colours and pattern. Decors such as wall art, mirrors and accessories (toothbrush holders, soap dispensers) are great addition to a modern bathroom design.


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First-time landlord tips



Mortgage

Congratulations on your new status as a landlord in Nigeria. As a landlord, you will have to navigate through the deep waters of payment of rent, tenants, legal issues, house maintenance and many more. Below are practical tips to make the process of a Landlord easy.


Be Logical
Try to separate your emotions completely when choosing tenants.Although your conscience may feel better offering your property to someone who lost their source of income, at the end of the day you need to remember that you’re running a business. Never let personal relationships cloud your view of the bottom line. Emotions don’t pay the bills- be logical.

Screen Tenants Properly
Screening tenants is a major issue. You need to be objective and verify your tenant’s financial capacity as this will be deciding factor if the tenant will pay his/her rent on time or behind on rent payment. Do not rent your house to someone just because they come recommended from your friend. Never take the explanation or recommendation at face value but carry out your own research first.

Also to focus on how a prospective tenant communicates with you throughout the renting process as this will serve as a pointer to what kind of communication they will have with you as a tenant. Don’t rush your decision. Look for people that are open, honest, and who possess the financial capacity to pay rent on time.

Rent Payment
Rent is your revenue as a Landlord. Never allow the tenant to pay late without penalty. Ensure you agree in writing to a monthly or yearly payment plan. If you allow your tenant pay late, it may lead quickly to a pile of unpaid rent.

Also, if your tenants just stop paying rent and starts ignoring your calls or texts, you need to start eviction proceedings immediately. Contact your lawyer about eviction proceedings.

Manage Your Rented House As A Business
Don’t be overly friendly with your tenants instead have a business- like relationship with your tenants. A friendly relationship between landlord or tenant tends to sour quickly especially when the tenant’s rent is still unpaid or when you are trying to increase the former rent value. Treat your tenant with respect as you would a business colleague.

Know The Housing Laws
Many landlords failed to educate themselves on housing laws which often time leads to serious implications if you violate them. Every property is governed by a specific set of landlord-tenant laws established by the government of the state. Landlord-tenant laws are state laws that will protect the owner, the property and the tenants alike in all forms of rental transactions.

If you have yet to check out the landlord-tenant laws in your state, you will find that there is a rule for almost every scenario that could arise between a landlord and tenant interaction.

Failing to follow landlord-tenant laws can result in a lawsuit and lost income.  It is advisable to have a lawyer manage your legal dealings and explain your rights as a landlord, your tenant rights and the tenancy laws that operate in your State of residence. Remember, ignorance is not an excuse in the court of law, so get informed.

Rent Oriented
Never invest in any form of renovations or remodeling if it would not generate higher rent. The giddiness that comes with be a first-time landlord is spending a lot of money on your house. There is nothing wrong with remodeling but if it does not directly cause an increase in rent value then don’t spend it instead of saving your money.

Be Organized
A peculiar mistake made by first-time landlords is not keeping records. If you don’t keep proper records of your building’s revenue and expenses it will affect your ability to ascertain the exact cost spent or received from your property.

Kindly share your first experience has a landlord with other ToLet readers.

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How To Achieve Your 10-Year Plan In The Next 6 Months

“How can you achieve your 10 year plan in the next 6 months?” — Peter Thiel
How much time does something really take to accomplish?


Before answering that question, a better question is: How much time do you actually have?

Once you’ve answered that question, you’ll then be able to ask: Where is all of your time going?

Only then can you determine how long something really needs to take.

How Much Time Do You Have?
The average month has 720 hours (30 days X 24 hours).

If you slept 8 hours per day (8 hours X 30 days = 240 hours), you’d have 480 hours left.
If you worked 40 hours per week (40 hours X 4 weeks = 160 hours), you’d have 320 hours left. However, as will be shown, working 40 hours per week is optional, but certainly not optimal. And definitely not necessary. In fact, in the knowledge-working world we live in, your best work will generally happen while you’re away from work. As research has shown, only 16% of creative ideas happen while you’re sitting at work. Most will happen while you’re relaxing, commuting, traveling, spending time present with loved ones, etc.
If you spend 2 hours eating per day (2 hours X 30 days = 60 hours), you’d have 280 hours left.
So, the question is, what are you doing with those 280 hours?

If you spend those 280 hours listening to audiobooks, you could listen to approximately 45 books! (average book being 6 hours).

280 hours X 12 months = 3,360 hours… what are you doing with those 3,360 hours?!

If you spend those 3,360 hours listening to audiobooks, you could listen to approximately 560 books! (average book being 6 hours).

Of course, listening to 560 audiobooks would probably not be the best use of your time. Listening to 100, though, would probably be life-altering.

Of course, there are far more powerful ways of learning than simply reading books. If you get stuck with one method of learning, you will certainly stunt your growth.

Reading books should stimulate new ways of thinking and ACTING in the world. If you’re not acting differently, you’re not actually learning, and thus not changing. Your behavior is what shapes circumstance, confidence, personality, and relationships.

You read for instructions and inspiration. You then immediately apply what you learn and adjust accordingly. If you’re willing to fail fast, break things, and deal with problems (mostly people problems!), you can then learn what’s immediately relevant at that time.

For most people, learning has become an escape from doing. Filling your head with useless information is the opposite of hard-won wisdom and understanding, which can only happen via the application of knowledge and re-application based on experience in the real world.

What Do You Do With Your 280 Hours?
“Until we can manage time, we can manage nothing else.” — Peter Drucker
If you don’t know you have a problem, it probably won’t change.

If you don’t believe you have a problem, it probably won’t change.

If you can’t admit you have a problem, you’re living in denial. We all have problems. In today’s society, we’re all addicted to something (probably many things!)

You can’t purposefully change what you’re unaware of. Hence, the need for education, experience, and accountability (to both self and others). If you track and are required to report something, you’ll become heavily conscious. If there are immediate consequences to not performing, performance will raise even more.

The moment of awakening happens when you:
Acknowledge to yourself that you have a problem
Openly admit you have a problem
Begin seeking out information and help
Get accountability
Create an environment that facilitates your desire to change
Begin investing in more healthy alternatives and solutions
With that said, let’s take a look at your current use of time. WHERE IS IT ALL GOING???

To be completely honest, you have no idea where it’s going. That’s because you’re unconscious of where it’s going. The only way to become conscious is to begin tracking your use of time. Which for most people isn’t fun. It’s hard. It’s a chore.

So you give up after 1–3 days.

For example, research has found that most people look at their smartphones around 100 times per day (I’m sure it’s at least double that). Yet, most people BELIEVE they look at their phone only about 30–40. So, at least half of those times looking are mindless and unconscious.

The difficulty with today’s environment is that it’s heavily trigger-laden. We are so used to being on technology and being distracted that it’s hard for us to imagine being fully AWAKE and present for long periods of time.

That’s got to change if you want to start achieving your 10-year plans in the next 6 months.

The idea of achieving such big goals in such a short time might seem totally crazy and unrealistic to you. However, if you stick with me through this post, you’ll realize that it’s actually VERY doable.

It’s not doable though, if you continue operating with the same mindsets and approaches you’ve been accustomed to.

You absolutely cannot achieve things 10X or 20X faster if you’re distracted on social media even one hour per day.

Why?

Because that’s a very low-level use of time. Recovering and resting and playing for several hours per day is GREAT! It’s stimulating and fulfilling and leads to growth and deepening of self and relationships.

Yet, on the statistics, the average person spends between 3–8 hours on the internet every day.

How much of that time is deliberate, purposeful, and goal-oriented?

When was the last time you got on the internet for a specific purpose, and then got off when that purpose was complete?

The internet is more distracting and hard to evade than a Las Vegas casino.

When was the last time you had a full day where you ate exactly what you wanted, without impulsively grabbing something like sugar, carbs, or caffeine out of habit?

These examples are only to show how unconsciously we generally live.

If you can’t say what exactly you ate yesterday, and where you spent every moment of you’re time, you’re probably less healthy and less productive than you think.

So:

How regularly do you sleep 8 hours per night?
Do you go to bed and rise the same time each night?
Do you unplug for technology and screen-time 60–90 minutes before bed?
When are your most optimal hours for mental and creative work? Do you do your most important work during those optimal hours? (by the way, for most people, it’s during the first 3 hours of their day, and just before bed).
How much time do you spend with your family and friends without having your smartphone on your person?
What are the most meaningful activities you do with your friends and family?
How regularly do you do those activities?
When was the last time you did those activities?
What are your current goals for 2018?
What are your current goals for Quarter 2 of 2018?
What are your current goals for May of 2018?
What are your current goals for THIS week?
Are those goals stretching you?
What if you only had 3 months left to live? Could you accomplish your 2018 goals during those 3 months? My guess is, that you probably could. Of course, if you only had 3 months left to live, you might re-assess those goals. You’d probably realize that many of those goals are brainwashed into you by cultural norms.
If you only had 3 months left to live, what would your goals be?
Who would you reach out to?
What EXPERIENCES would you seek to have?
What “unfinished business” would you get done?
What If You Only Had 6 Months Left To Live?
“Nothing will fill your heart with a greater sense of regret than lying on your deathbed knowing that you did not live your life and do your dreams.” — Robin Sharma
Is it possible to actually live with a “deathbed mentality?”

Of course it is.

But the stakes need to be high enough for you.

You need to actually VALUE your time, and to appreciate the brevity of your time on this planet.

In order to properly value your time, you need:

A belief system about the purpose of your existence (“If you have more than 3 priorities, you have none” — Jim Collins). You can’t have priorities if you don’t have a value-system.
A belief about how should you be using your time
A desire to live and learn
A disregard for how (most) people perceive you. As Allen Carr said in his extremely important book, THE EASY WAY TO CONTROL ALCOHOL: “I would define cowardice as: failure to act as my conscience dictates, because of fear of physical injury or ridicule.”
A willingness to continue learning
A goal you’re striving to accomplish (a “mission” or “purpose” that gives you something to dedicate yourself to)
If you have a true goal, something that is extremely valuable to you, and that you believe to be very important, ONLY THEN can you begin to properly value and use your time.

If you don’t have a guiding purpose, you’ll be aimless with your time. As Ryan Holiday has said, “This is a fundamental irony of most people’s lives. They don’t quite know what they want to do with their lives. Yet they are very active.”

Very few people can optimize their time because very few people are clear on:

What they believe
And what they should do because of that belief
And how to most effectively accomplish that belief
Once you know what you believe you should do, then your next task is to:

Get really, really good at learning and filtering through information
Give yourself a very short time-line
Use your most important time, every single day, for moving toward your goals
Remove everything from your life that hinders you from achieving your goals. From a holistic perspective, taking lots of time OFF is actually key to productivity. Your best ideas will happen while you’re away from work. Your motivation to succeed will be heightened if you have deep and meaningful relationships with friends and family. Your thinking and creativity will be better if you exercise daily. From an essential-perspective, you want to have lots of stimulating, stretching, entertaining, and beautiful areas of your life.
However, none of the areas of your life will be optimized if you don’t focus. Most people are distracted while they are at work and distracted while they’re home.

Most people don’t see a reason to eat healthy.

Most people don’t see a reason to evaluate the quality of everything they put in their mouth and in their heads.

But when you know your time is limited, you begin to ask much harder questions. You begin to be a lot more honest with yourself and with others.

Those things which were invisible to you now become very apparent.

If you had 6 months to live, how much of that time would you spend on Facebook?

If you had 6 months left to live, would it be difficult to wake up at 5AM?

What’s the difference?

Why would it be easy to wake up at 5AM and stay off Facebook if you only had 6 months left to live?

Honesty.

Brutal honesty.

That’s the difference.

You’d be far more honest with yourself about what’s important to you.

Would it be hard to give up a bad habit if you only had 6 months left to live? Probably not.

Would it be hard to drop everything you don’t love and focus exclusively on what matters?

Would it be hard to “find your voice” or market your ideas? Not at all. If you believed you were doing something very important, you’d shout from the rooftops. You wouldn’t hold back and restrain for fear of what others think.

You’d get to work.

Short-Term Experiments Can Help
Tim Ferriss doesn’t set long-term goals (at least, that’s what he claims). Instead, he pursues short-term “experiments.” The reason he pursues short-term experiments is because he doesn’t seek “happiness,” but instead, “excitement.”

I think another reason Ferriss pursues experiments is because he understands the value of time. He’s learned how to optimize his time. He knows how to set goals and achieve them quickly. He knows how to surround himself with a “tribe of mentors.” He’s set his life up to live on his own terms.

Therefore, he’s willing to take risks.

He’s willing to experiment, to try new things, and to fail.

He’s willing to pursue things that excite him. He’s willing to do something even if he doesn’t know where it’s taking him.

Importantly, Ferriss isn’t living this way BECAUSE he has freedom of time and money. Rather, he has freedom of time and money BECAUSE he operates this way.

When you have a short timeline, and something meaningful you’re pursuing with vigor — you learn a lot. You adapt. You face problems in real-time and deal with those problems in real time. You learn only what you MUST learn.

You BRUTE-FORCE learn in a hostile and immersive environment.

Pulling It All Together
“How can you achieve your 10 year plan in the next 6 months?” — Peter Thiel
How do you achieve stuff 10X or 100X faster than “normal?”

You must have something that drives you
You must operate with a “deathbed mentality” and not undervalue your time
You must be willing to experiment and fail continually
You can’t be a coward, which means you go against your intuition because you fear what others think (the scientific definition of courage means you deliberately confront risks to achieve a “noble goal”)
You need to be an intense and wise learner, which means you get the best information from the best resources and apply immediately what you learn
Even if you have a full-time job and 3 kids, you can achieve your 10-year plan in the next 6 months.

You just need to start FINDING time to match toward your dreams. If you have less time, you actually need to be more bold. You need to learn faster. You need to reach out to the right people quicker. You need to put your work out there and face an audience immediately.

If you start doing all of these things, you’ll get feedback. And that’s all failure is. Failure is feedback.

Without feedback, you won’t know what to do. Once you get feedback, the next move becomes glaringly obvious.

Get feedback. The harsher and more honest and more direct the feedback, the better.

Use that feedback.

Adjust.

Get better information.

It is an absolutely amazing feeling to be living your life as if you only had 6 months left to live.

You absolutely can start living this way now. Once you do, you’ll stop putting up with petty stuff. You’ll start treating people differently. You’ll actually look them in the eyes. You’ll actually listen. You’ll express love and interest. You’ll lift those around you.

And you’ll stop dealing with stuff that no longer makes sense. You’ll act with far more purpose, persistence, and boldness.

You’ll put first things first.

You will act on instinct and intuition, not impulse and addiction.

When you start acting in accordance with your intuition, you develop confidence. Conversely, acting against your intuition can often produce short-term dopamine, and a long-term lack of confidence.

If you want more confidence, start striving toward the life you want. Even if you fail, you’ll be proud of yourself. And if you’re committed, you’ll begin to succeed. You’ll eventually get so much momentum that it becomes your new normal to operate at optimal levels.

Why?

Because you’re congruent.

When your internal and external worlds are congruent with your values and vision, you can be highly productive WHILE living with ease. It’s easy because you’re not trying to force yourself to do it. Instead, it’s hard NOT to do what you want to do.

Ready to Upgrade?
I’ve created a cheat sheet for putting yourself into a PEAK-STATE, immediately. You follow this daily, your life will change very quickly.

Get the cheat sheet here!
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Top 10 Questions To Ask A Real Estate Agent


Making reasonable profit from your real estate investments begins with hiring the right agents to work with. Not all real estate agents are the same, you need more than enough information from prospective agents before you sell you or buy a property. It’s critical you make the right decision about who will handle your real estate investment considering it as one of the largest investment you can invest on. Choosing an experienced agent is a tough process, especially when it’s your first time of selling or buying a property.

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Check Top 10 Questions to Ask Real Estate Agents below;

  1. What properties have you recently sold?
  2. What selling price do you think I can achieve?
  3. Why are you different from other agents?
  4. Do you have references I can contact?
  5. Is your commission negotiable?
  6. How do you attend to buyers?
  7. How long will it take to sell my property?
  8. How long have you been in real estate business?
  9. How much will I spend on Advertising?
  10. How should I sell my house?

What properties have you recently sold?
This question helps give you an insight into the types of properties your agent have sold in the past. Some agent specializes in the selling of commercial property or residential property while some can work on both sides considering their level of experience. Ideal agents must have worked on at least five similar properties in the past.


What selling price do you think I can achieve?
Your agent is expected to give you a sale price they think your property can be sold. Ask further by finding out why they gave the sale price and on what bases are their conclusions.

Why are you different from other agents?
This question allows your agent to distinguish themselves from others. They should emphasize more on their marketing plan, sales channel and achievements in dealing with similar properties. Your agent should possess some unique offers you can’t get elsewhere.

Do you have references I can contact?
This is similar to finding out the type of clients your prospective agents have dealt with in the past. It helps you grade their level of expertise and experience in handling your property.

 Is your commission negotiable?
Agreeing cuts seems to be the most difficult aspect of working with an agent. It’s not advisable to work with cheap agents but your agent should possess good negotiating skill and should be fair to commission as well.

How do you attend to buyers?
This helps find out personal attributes of your real estate agent before they become your face and interact with customers on your behalf. An agent with temper problem or lacks effective communication skill shouldn’t be considered for a business.

How long will it take to sell my property?
Answering a question like this seems difficult for agents except if they’ve worked on similar properties and probably have enough understanding of the local market. You can as well ask for those factors that will affect the property sales.

How long have you been in real estate business?
Experience counts in real estate but it’s not enough reason that agents with the most experience should be the best Some novice real estate agents have handled big properties that turned out to be really cool. These are things you should work out for.

 How much will I spend on Advertising?
Advertising depends on the type of property and it’s location. The two forms of advertising are either traditional like newspapers, signboards or digital such as online listings, email marketing and lots more.

 How should I sell my house?
This is where the agent introduces you to the different type of selling methods in real estate agents such as auction sales, price on application, expression of interest and sale. You also need to find out how the agent plan to arrange your property viewing or walkthrough for your property.

A good real estate agent can make a thousand difference to the sale price of your property if you chose carefully. However, making use of trusted online platforms such as PropertyPro.ng remains one of the ways to stay safe with your real estate investment.
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Advantages and Disadvantages of the Land Use Act

Pros and Cons of the Land Use Act
Land acquisition and use is a major highlight in any real estate market the world over. Land is relatively immutable and unmovable so it provides a good collateral for securing finance. However, only a well-titled land will suffice for such kind of investment as land transactions are required to be formal and registered. Investment in land is affected by the security of property rights such that without the proper land documentation, an individual cannot be said to be the rightful owner of a portion of land. These and more were some of the issues addressed by the land tenure and reform laws evident in the Land Use Act of 1978 which led to a number of advantages and disadvantages alike.

CHECK: LANDS FOR SALE IN LAGOS

This article seeks to shine the light on the pros and cons of the land use act in Nigeria while highlighting possible solutions to the challenges. The Land use Act promulgated in 1978 and made an integral part of the constitution of the Federal Republic of Nigeria was aimed at promoting the proper and efficient use of land.

Advantages of the Land use Act
To a large extent, the land use act achieved its aims and objectives:


  1. ensuring that whosoever requires land for any purpose with the ability to make optimum use of it will obtain it.
  2. making it illegal for indigenes to allocate land without prior government’s approval as only the Governor of each state has the power to allocate urban lands, and the local area councils have the power to allocate rural lands.
  3. preventing the practice of land speculators buying up large acres of land, especially in developed urban locations with no intent of immediate or future use, but to tie it down in order to obtain high prices for a future sale to another person.
  4. Reduction in boundary disputes, the number and frequency of court cases of land ownership since the survey of acquired land is mandatory for occupancy right to be granted.
  5. allowing for easy acquisition of land for agricultural use as it provides farmers with not more than 500 hectares of land for crop production or 5000 hectares of land for grazing.

Disadvantages of the Land use Act
The Land use Act, however, is not without pitfalls as there a number of challenges associated with the act and many have argued for the need to have a Land Adjudication Act (LAA) to address these issues. The adoption of systematic titling and registration will help combat the challenge of value gap between a land with a registered title and one without it. For example, an individual with a registered title to his plot of land is potentially wealthier and better positioned to take advantage of opportunities than another individual with land in abundance but without a registered title.

Abuse of Office: Another fault of the Land Use Act was in the transfer of title and ownership of land from individuals and communities to the Governors who hold the land in trust but many of whom have been known to have abused the power and privileges conferred on them by the Act. Section 22 of the Act requires the acquisition of Governor’s consent before a statutory right of occupancy can be alienated as this is necessary where there is a transfer of title from a vendor to a purchaser.

Delay in land acquisition: Acquisition of land by individuals and corporate bodies for commercial and economic development purposes have been extremely difficult as a result of the Land Use Act. The government’s approval amongst other reasons from the Land Use Act results in the delay in making land accessible to an average Nigerian.

For any law or Act to have a full effect on the populace it must be free from loopholes and easy to adhere to by the common man. That being established, it is highly imperative for the government and lawmakers alike to critically look into the Land Use Act and address all possible faults pointed out by major stakeholders within the real estate industry.


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5 Tips On Saving Space in Your Home

Moving into a new home can be quite challenging. Whether you are moving the old sofas and kitchen utensils, or you’re buying everything anew, managing space can be quite demanding. Asides making the home more pleasant, adequate space in the home can promote ventilation and a healthy lifestyle.

Here are a few tips to help on saving space in your home.

a portable dining set
GET RID OF UNWANTED/UNUSED ITEMS
As typical Africans, we tend to store up old and used materials around the house. Old newspapers, unwanted CD cases, broken mugs and torn table mats. To create more space around the house, we need to get rid of all these items.

Do you want to know how to determine what items you need to get rid of? Ask yourself these questions: Can I do without this? Is this useful? Do I use it for the purpose to which it was designed? If you answered No to at least 2 of these questions, it needs to go in the trash! You can even make a few bucks by selling those old newspaper and irons.

GO MINIMAL
Going minimal with your house designs is the new cool. This does not just save space but makes the house quite beautiful. You know what they say; less is more.

DOUBLE DUTY FIXTURES
This is a great way to save space in your home. Beds with drawers, Stairways with bookshelves, bunk beds, draw out/foldable ironing boards. There are several affordable and creative multi-functional furniture available in furniture stores around Nigeria.

One way to get open storage that’s also visually appealing is by using unusual and creative items as storage containers. Things such as baskets mounted on the wall are like functional works of art—and they’re cheap to boot.

USE ALL THE SPACE AVAILABLE
Floors, ceiling cabinets, ceiling hangers, roof storage, there are just a few of the many ways to use up all the space available. They do not even have to appear clustered. Ceiling hangers are very good for kitchen utensils.

Modern design for 3 bedroom flats

The space under the beds can be used to store shoes and toys. You see houses these days with very high ceilings, and this space is totally unaccounted for! You can have those paintings taking up all the wall space, over at the stairs.

store
BE CURRENT
Technology has come a long way over the last several years. Keeping current with the latest advances is not only a great way to save space in your home; it’s an effective method for greening up your home. New designs for home appliances, such as washers, dryers, refrigerators, bathroom fixtures and water heaters, use less energy and water and take up less room in your home. To save space, use stack able appliances where possible. We even have energy saving air conditioners available for sale.

These are great ways to not only save space in and around the house but to also make the home even more beautiful while creating a healthier environment.
small bedroom


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Make Your Home Have An Electrifying Lighting


I hate travelling especially when I have to drag my 5 years old daughter along with me. Have you ever spanked your child for asking too many questions? Shola asked me why the sky was blue once, and I swear I almost passed out. We went to visit a cousin who won’t stop asking me to come over so she could throw her beautiful house in my face. Shola‘s questions about chandeliers during our visit to my cousin’s made me develop interest in them;

“Mum, mum, mum, what is this big raindrop that is about to fall on my head

It is making my eyes turn, Mum!”

I ran out from my cousin’s room, frustrated and amused at the same time. It was just a chandelier!

Beautiful Crystal Chandeliers
Beautiful Crystal Chandeliers


Your chandelier can even be shaped in a gun
Your chandelier can even be shaped in a gun

Make your house look like a forest with the shadow chandelier

Make your house look like a forest with the shadow chandelier

Chandeliers are a great addition to just about any room, but knowing what size is best and how high to hang them can be really tricky.

You can spend anywhere from a hundred to several thousands of  Naira on a chandelier and choose from a wide range of styles. There are some guiding principles to help you choose. First is style: when in doubt, keep very close to the period and architectural style of your house.

Measure the room dimensions in feet and add them together to find the suitable diameter in inches. For instance, a room that’s ten feet by twelve feet would look great with a twenty-two-inch chandelier.  It should measure roughly a third of the width of the room and hang thirty inches above the floor, centered in the room.

While it will be the focal point, don’t count on the chandelier as the only or major light source in the room. Other forms of lighting such as recessed lights or table lamps will help light the room more effectively and give the room more life.


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