It is always very interesting to have a personal business because you can do anything and manage it the way you like without anyone controlling you. 

But in other to be successful, it requires (3) ethics;

* Hard work

* Commitment

* Dedication.

You do not need a huge amount of money in Nigeria to start a profitable business and earn big. This article will guide you on what you should do before starting any business. Below are the key points;

1. Gather idea's about the business

2. Make a research

3. Draw out a business plan

4. Question and rate yourself

5. Have a conclusion

6. Generate capital

7. Monitor and grow your business 

Gather idea's about the business

If you are already an entrepreneur, it is easier for you to get different business ideas that you want to start up with but for a novice who doesn't have any idea of business, you will need to be enlightened to gain more idea on the specific business you want to venture into. Why? 

So that you will be able to tackle all means especially when a loss comes in, you will no how to build it up instantly with your little profit. When you have an idea of the business you want to do, it gives you high hopes of making it big because you are already familiar with it. You know when to put an effort and when to relent.

An example of a business idea owners who can make it big easily are;

(i) Caterer's:- A caterer who knows how to bake a cake or have an idea of it will find it easier to earn much income once she starts the business on her own because she is already familiar with how to manage the resources, the ingredients to to add to make it sweet and how to decorate it to makes it looks beautiful.

(ii) A Vulcanizer:- These set of people must have worked under a boss for like a year or some months, starting their own business will be easier because even without the big machine, some of them still survive with the small equipment before upgrading the business once they start making profits.

(iii) Canapés (small Chop's) :- Those who specialises in canapés oftentimes makes it bigger than every other person because it requires little capital. Someone who run a canapé business can switch at anytime to any of it's group that earn her more profit.

Make a Research

Once you have gotten the idea of the business you want to venture into, the next thing to do is to carryout a survey. Make a research about the business and ensure to have great understanding about what you want to do. If during your research process, you found out the it isn't something you are capable of handling, you can find a trusted partner who is into business and discuss your ideas with him or her for proper guidance. Two heads puts together will definitely come out great with something perfect that suit your capabilities. 

While carrying out your research, ensure to know the pros and con's of the business and understand it well because these will help you later to determine whether you are making a gain or loosing then you will know how to rise the business with an immediate effect.

Draw out a business plan 

Now you have gotten something to work on, you have gotten an idea and as well carryout a research. It is time to put them together in a sheet to enable you work with a budget. A business plan is drawn to help you manage your capital and shape out your business for you. It can be done either with a sheet of paper or typed with a phone or a laptop. 

How do I draw out a business plan?

This is quite uncommon among Nigerian's as some people usually start up a business once they have little idea's about it without minding the disadvantages but with a business plan, you will know where to start from, what to buy one at a time, location to fix or start the business, when to kick start the business and what to suspend for later once you started making profit.

Here is a guide to help you draw out your business plan;

(i) Name of your goods or product's:- Start by putting down the name of the goods or products that you want to sell, as this will help you not to attach any other thing that will cause you loss later.

(ii) Aims and Aspirations:- Write down your aim or reason for venturing into the business and ensures they are true because this will keep it at the back of your mind to work hard towards achieving your goal and be dedicated.

(iii) Marketing and Sales:- This is the most important aspect in starting a business. You need to ensure that the business you want to venture into is an easy marketable and selling business. If you start up a business of people's demand, be rest assured that profit is yours but if it is people's wants, then you may likely feel that the business isn't growing.

(iv) Analyse your Competitors:- In every business, there must surely be a competitor, your research must have shown you the numbers of people that are into the same business within you or miles away. From these point, you will rate if your business can beat theirs or whether to change a location. If your competitors are high, you are at risk of selling your products and earning profits easily but if they are low, then proceed with the business.

(v) Financial Analysis:- These will help you examine the cash you have at hand in starting the business and also help you reach a budget. After auditing the capital, you will be able to know where to start from, what to buy first, and the things to pend for later. It will also guide you on how to split your profit once the business start. With your financial analysis, you will get to realize how much the business will cost you whether to add money to your cash at hand or not.

(vi) Brief Summary:- With the above five points, pen down a little summary of the business and justify whether it will be a profitable business or not and if it isn't, then you will sure have to come up with another idea but if it is, proceed to the business guiding yourself with the steps here.

Question and Rate Yourself 

As an entrepreneur to be, there are some few important and valuable but neglected questions which you are supposed to ask yourself and as well give yourself a guide. 80% people start up businesses this says without rating their selves to know if it is something they can handle or not. 

Some of the questions are as follows;

(i) Can I manage or handle a business?

(ii) Am I good at savings or keeping money?

(iii) Can I stand a loss in a business?

(iv) How courageous am I towards achieving a set aim? e.t.c 

After given right appropriate answers to the above questions, then you will no if you are set for the business or not but if your answers comes out negative, then it is always good to go for what you know how to do and capable of handling. In that regard, you will be able to explore and get yourself the best options.

Have a conclusion 

Just like the daily activities of life, reaching a conclusion helps us to achieve a specific goal. Conclude within you about how to begin with the business and as it's state's, in every business that earns you a profit, there must surely be a loss and how you tackle your loss determine the growth of the business. Always be prepared to take up the challenges of business and find a means of restructuring to stand it's feet again. A conclusion gives you the mindset on either to proceed or to change route. 

Generate capital

The key source to every successful business is capital (money). Once you have concluded on the business to venture into and you have as well realise that it's something you can achieve with little capital, then you create a means of generating capital (gathering money) for it either by wages (working under a boss to get paid by the day) or salary (engaging in one job or the other to earn you a pay by the end of the month). With these two means, you will be able to generate fund to start up your own business within a short period of time or after some months.

In other not to be starved while trying to raise fund to create your own business, the idea of savings will be the best option to help you sustain. Since you have got a target, as you are being paid, split it into two. One for savings and the other for miscellaneous. Your methods of savings will depend on how often you can keep your mind off money and it could come up through the following ways;

(i) Monthly or weekly savings in the bank 

(ii) Monthly, weekly or daily savings in a saving box 

(iii) Daily, weekly or monthly savings through contribution process 

(iv) By Investment:- Investment is another greatest means of saving money because it earns you interest which can serve as your capital for your business without touching your main savings.

The above listed are the several means in which you can generate fund to start up and build your own business.

Monitor and Grow your Business

A business monitored by the owner tends to grow faster than when handed over to someone to build. Once you have successfully establish the business, try as much as possible to put in your best in growing it because all successful businesses requires hard work, commitment and dedication from the owner. When you devote your time to a particular business and work hard towards achieving your set goals, then being successful and earning profit is very easy. 

With all this being mentioned and analysed in this article, starting a small business with little capital in Nigeria will be easy and incurring profit is certain.

Please do like, share and comment if you find this article useful and helpful. 

 Honestly, lots of men have struggled hard to win a woman's heart and yet no avail because they aren't really getting it right and many of them comes to the conclusion that woman are like mathematics problems that are hard to deal with but this article will help you take over your wife's Heart that even while alone, she will be thinking and smiling all by herself. 

Why should I struggle hard to win a woman's heart?

It is every man's dream to do anything possible to win the heart of the woman he is so much in love with but sometimes it fails because they don't know how to tackle them. These are what you stand to gain when you win your wife's Heart.

* She tends to think of no one else but you  and love you unconditionally 

* She will honor and cherish you because you mean allot to her

* She prays for you everyday and wish to see you successful 

* She will do anything possible to support the family alongside raising the kids

* She will never be tired of advising you and will always find a reason to be proud of you 

* She brags about you amongst her friends and put you first on anything she does. 

* She will always be attracted to you even if you are dirty. 

* She will stand and fight against the world just to see you smile 

All of these are what motivates a man to do anything possible to win their wife's Heart and it can only be achieved through the following little secrets. 

1. Compliment Her

Naturally, everyone loves compliment but women loves compliment the more. They love to hear it from their husband that they are the best in everything. When your wife work tirelessly all through the day, shower her with all the sweet words you no. How sexy she looks and how proud you are to have her by your side. 

Women loves it when their husband brag about them in the midst of his friends with words like, she is my queen, my better half, my adore, my everything and many more. This makes them feel special and unique and sends a message to them that you value them anywhere you are and you are always proud of them. 

The best compliment so far are the ones we don't expect so whenever you are all by yourself even if it's at work and the thought of wife enters your head, suspend whatever you are doing and find a means to communicate with her before it skips your mind. You can send her a text message, a call or chat her up to earn more points and this will keep her smiling knowing the fact that you think about her even with your tight schedule. 

2. Build her dreams secretly 

Women loves surprises allot especially tangible ones that comes with building them into a better person. All men wants to do beautiful things for their wife but if you really wants to win your wife's Heart so easily, try helping her fulfill her dreams secretly. 

Build up her dreams secretly and avoid seeking credits for it (why should I hide things from my wife?) because by the time she finds out, she will be melted and know that you are serving her secretly and you seek the best for her. She will forever love and cherish your effort and that will remain in her mind forever. 

Find time out of your leisures to assist her with some chorus in the house, women often get tired doing everything alone most times. House chores like making breakfast especially weekends, taking care of the kids on her behalf, arranging of the beds, washing dishes, doing the children's homework, cleaning e.t.c are the things that you can easily do for her secretly and be assured that you will be her best plug. 

3. Cuddle her as you sleep 

Holding your wife while sleeping make her feel secured and safe. It makes her feel like a baby and it's a display of affection that she is special. While you both are set to sleep, put your arm around your wife until she falls asleep and if your arm hurts, simply remove it and hold her hands. 

If you really wants to win her heart, always do this anytime you both had an argument. I know some women can be crazy if they have a fight with their husband but if you hold her tight and put your arms around her, she will calm down after some point. It touches her heart and occurs to her that you love her, cherish her and value the marriage. 

4. Sex Appraisal 

Most men fail in this regard thinking that sex isn't something to discuss once the fun is achieved. No!!  Sex with your wife is something you should always talk about. After sex, tell her how much you enjoyed it and how you feel making love to her and when she is on you, you feel crazy about her God's gifts. 

This will make her blush and at some point embarrassed her a little but the point is, you are trying to win her heart and ofcus she will be happy hearing them and would want to do more. Flirt around your wife whenever you are both alone the same way you watch it on movies, describe her backside in shorts. It reminds her that you still find her hot, sexy and irresistible. 

Say no to a dulling moment when you both are together. Don't forget to hug and kiss her every morning before you leave for work or peck her forehead and tell her you love her then ask her to pray for you before you leave. Their is no way she is ever going to get tired loving you.  

5. Sticky notes

This is very rare with men but it is heart captivating. Anytime you read a book, a novel or watch movies, gather some encouraging words from there and begin to write them down for your wife to read once in a while. This words should be written on a piece of paper and they could be; 

* I adore and value you baby

* You will forever remain in my heart baby

* I love you sweetheart 

* Baby, last night was great

* You are loved darling 

* You look cute when you sleep sunshine 

* You are God's chosen for me baby

* Kisses baby 

* You are great my queen 

And many more, all these words keeps you existing in her heart for the rest of the day and she tends to love you unconditionally everyday. 

I no there are many ways to win a woman's heart but with these five(5), trust me you will be her best path ever. 

 Children of now a days are so bright that when they see their friends doing something beneficial and easing stress for their parents they would want to belong. As they are growing, they learn different things so it is vital to you as a parent to teach and develop your child at a young age about the positive advantages of saving money and ways to spend them wisely. 

Developing a good saving and spending habits in your child helps them to be financially independent at some cost and also prepare them towards the future which  can sometimes set your heart at ease as a parent. Implementing this habit in your children will not just help them in the future, it also makes them think greatly on how to be successful and it becomes a habit for them at an adult age.  

Early financial setting could be a link to financial freedom. Below will guide you as a parent 

1. Open a savings account and buy them a saving box

A 5-6 year's old child is not too young to learn the saving habits. Once your child is at the age of 4years, start bringing up the discussions of saving money and give them the chance the chance to contribute their own opinions. Enlighten them on how saving of money can do so many things for them like buying of big toys so they can be motivated. Build them with this kind of conversation until they age 5years. 

At 5years, encourage them with the ideas of saving until they are well convinced and also let them know that an extra cash should be kept safe. Proceed to open a saving account for them and while returning, buy them a baby saving box where they can only put money but have no means to access the cash. Find a way of opening the box by yourself anytime is filled and be able to close it back to save you the stress of buying as many saving box as possible. 

Give each of them their own after indicating their names with a chalk or marker. Guide them through the process of putting money only and then give them the space to put it in the house and ensure to monitor it by yourself always. 

2. Create an allowance schedule for them 

Creating a means of allowance for them doesn't mean that you will start giving them money on a regular basis (No) because it can push them into taking your money unaware just to fill their box, remember they are kids. 

Their are several ways of creating allowance for a child without making them feel like they are entitled to some specific amount everyday. These ways are;

* Good Grades Allowance: Good grades allowance should be given to a child when he or she performs well academically. It motivates them to study hard as they already knew that they will get a reward when they pass. 

* Errands Allowance: A child is entitled to this phase when they are of help to you in terms of running errands, you should always leave them with a change as an up keep and immediately, instruct them to go and deposit it inside their saving box. 

* Neatness Allowance: Sound it like a warning to them not to get theirselves dirty as they play around the house. What them closely after the warning and who ever that obeys should get a reward from you no matter how small so that others can learn. 

* Chores Allowance: Even though they aren't up to the stage of handling chores but some children do stay with their mothers in the kitchen even if it is just carrying of plates from one place to another. Appreciate them with tips after this so they can feel special and be eager to do more. 

* Visitor's Tips: Often times, visitor's do give the children tips too. Direct and guide them to drop it into their box or you can give them 40% while they save 60%.

All this guide will not just help them to save, it will also develop them morally, academically and intellectually. 

3. Refrain from giving them money so easily 

A child will always be a child no matter what because their thinking faculty is still very low. Some parents are at the habit of giving their child money anytime they ask for it and this have build most children to be lazy while they grow because they are use to the system and sometimes cause them to look for other means in a bad way if they can't get what they want at the moment. 

Even if you are financially stable, avoid giving your child money anytime and any moment they ask for it because it will become part of them forever. While skipping their demands, you should also teach them that money will not always come anytime they want or need it. They should always be prepared to adapt and accept a change. 

4. Guide your children about spending (Expenses)

The most important thing to teach your children is expenses. Till date, most adults do not know how to utilize money nor manage their expenses because they grew up creating their own ideas about money, their were neither taught nor guided. Teach your children when an when not to use money, suspending things that are not important for their needs. 

When you teach your children about the vital life lesson of expenses, they will be guided all through the days of their lives and ensure to monitor them as they prepare for the expenses ahead of them while they grow up. 

5. Expose them to the importance of saving

It is best to let your children know the importance of saving since they have gotten a little means of saving and also teach them the types of savings which are; (personal, retirement and emergency) so they would know which among all they are saving for and ensure to emphasize on the reward for hard work and how savings can help save them from many situations later in the future.

Guiding your children with all these principles will build their mentality towards the future and saving habits will be easier for them to accomplish.

Cautions: 

Parents who wants to achieve this aim are expected to lead by example because your children will always copy any attitude you exhibit and that is what will reflect in their attitude. So therefore, show your children that you have a good saving and spending habits and be rest assured that they will emulate you. 

Money is the key to a happy married life..... HOW?? 

Why is money important in our Daily life?

How is money required in Marriage 

1. Taking up Responsibilities

2. Provision of foodstuffs

3. Unnecessary arguments will disappear when their is money 

4. Attraction and affection increases on the daily basics 

5. If you are both financially independent, there are less worries about the future

6. For your kids to be happy and healthy, it requires lots of money between couples 

1. Just say "I am sorry" and let them see some truth in it

2. Give "Reasons" and ask for forgiveness 

3. Request for a chance to make it up

 Sleep is one of the most important thing that we need in our daily life, it makes our body feels good and help to relax the brain to function properly.  

When you lack a good sleep, it causes damages and affects the body through different ways. One of the things that poor sleeping habits can cause to our body is heart disease.  Our heart relaxes as much as our brain when we have a good sleep. The heart beats faster than it supposed to be each time we fail to have a good sleep. Other damages are: mood swings, memory dysfunction and emotional problems. 

Here are some key guidelines To Help you fall asleep easily 

1. Take a cool shower 

It is important to take a shower after a long day not just to wash the dirt in our body but also to help our body relax and enable our brain to function well. Taking a shower before going to bed is one of the best thing that enhances sleep with many people. 

The body automatically feels weak after some minutes and our eyes becomes heavy, this is because the brain have been forced to relax with the help of the water poured in our body. 

2. Avoid unnecessary thoughts 

One of the things that hinders us from falling asleep in deep thinking. The moment you laid your head to rest, you should be more focused on the moment which is to sleep. 

It is normal for our heart to think about one thing or the other anytime we are relaxed but it is our duty to get our mind distracted and allow our brains work towards that path. Once it is time for you to sleep, avoid thinking negatively to enable your brain have some peace and relax well. 

3. Meal planning 

The type of food we take for dinner contributes to our body relaxation. Eating of solid food like pounded yam at late hours can prevent us from falling asleep easily because it doesn't digest easily which sometimes cause us stomach abrupt. Solid meal for dinner should be taken at least 2hours before bed time.

Eating of fruits like, Apple, watermelon, orange and banana's promotes sleep during bed time, it helps to relax the body system and also increase the brain functions. 

4. Room Temperature 

Often times the temperature of our room makes our body feel discomfort and stops our body from relaxing rather, feeling disturbed. 

For a soundable sleep, our room needs to be cool as our body. So to sleep under a cool atmosphere, we need to turn on the Ac or a fan at least. But in a case where there is no electricity, then an alternative should be created either by shifting the curtins to one side or we open the windows. 

5. Night wears

This is the last step to fall asleep easily. Often times, what we wear to bed counts in having a good sleep. Some people are at the habit of wearing tight fitted clothes, jeans and hard materials in which air can't penetrate. 

The best cloth for bed time is a night wear but in the absence of a night wear, boxers is well recommended for males while free bogus light cloth and a tung to cover the private part is recommended for the females. This is to allow air penetrate into the body easily because a good sleep can only comes after the body is cool and relaxed. 

Please like, share and comment if you find this guides useful and helpful. 

Truthfully, there are lots of benefits in reading many books but one single interesting book can give you different ideas to define your world or the world of people around you. Acquiring Knowledge isn't the only reason why we engage ourselves in reading, some people read out of leisure's, some read for entertainment while some read for pleasure.

Below are some few points which can help you secure Every Books you read:

1. Avoid Reading Many Books at a Time 

Naturally, some books usually interest us to read especially when they have some interesting titles. But after reading everything at a time, at the end, we tend to forget some parts of the stories or the book until we go back to its contents and check out the page. This is because the brain love to pick up the interesting and the most beneficial part every book we read.

2. Pick up only the book you will use instantly 

The best way to improve your brain without getting confused is to pick up only the books you will use instantly. Choosing the most important of them all will enable you to retain every part, chapter and content and you will be able to remember them when the need arises. 

Write down the most important contents, practice and read them twice. When you choose a book that is most relevant, you tend to pay attention and be devoted to it. For example, if you are starting a business that is at your best interest, you tend to pay more attention to it in order to gain profit. 

3. Get a sheet of paper or a jotter

A small note like a sheet of paper, a jotter or an e-book help us to recall some points or key words easily. While reading, be focused on the most important and repeated keywords or statements, as you glance through, bounce back and write them down, this will help you pronounce some grammars and to some long statements. 

Highlight the most effective parts and aspheric them in the paper. This will take your mind back to page while revising it later after reading the whole book. Keeping notes are very important to enable you get the ideas easily.

4. Give a short summary 

It is important to always summarize every book you read in a tone that you understand most. Using to your own idea to summarize every chapter hinders rememberance when it is necessary. Now after reading though, ask yourself some brief questions just incase a friend ask you. You either write down the summary in a jotter or you summerize and memorize. 

A short summary of every book you read will help your brain relax and makes it easier for you to understand it concepts.

5. Read it twice

Unlike me, reading a book twice or thrice helps me recover my ideas easily. Revisiting a particular book gives you the chance of remembering them easily. This is because our brain tends to things that happens constantly or repeatedly. 

While revisiting a particular book, be focused on the key points you have jotted and ensure self explanatory method is implemented. This will be help you remember More of Every Books you have read.