Welcome To Elileojo's Blog

On this glorious Sunday morning, I'll be doing the Classic #ChrisTips from the #BookOfChris  Love your neighbor as yourself - not less than yourself, not more than yourself... Just as yourself. Yes, it is okay to choose you first.  If you want to be happy, be loyal to your purest purpose and potentials not material gains.  Do what makes you happy as long as it does not cause harm to others.  Your peace is important, don't jeopardize it. Prayer is the key  to opening the doors of the spiritual and supernatural.  Your journey is different, stop comparing your life with others. It's unhealthy. Let other people's success inspire you, and not pressurize you to do dumb regrettable things.  Find out what you're really good at or enjoy doing, develop it, refine it, educate yourself more about it and share it with the world - this is the path to true wealth.  Your failures, your traumas, your mistakes, and your frustrations happen to help you grow.  It takes exactly the same

Are you tired of working each month with nothing to show for it? If so, you probably accepted your current job offer without truly understanding the concepts of "Gross Income" and "Net Income." You see, in expensive cities like Lagos, Nigeria where the cost of living is high - you might need to pause and reconsider the long-term financial impacts of accepting a salary offer and negotiate for a better salary if you have to. Not all that glitters is gold. While the salary offer might look juicy in figures, it is more important for you to ensure that most of it is not swallowed up by your monthly expenses like transport, feeding, utility bills, data subscription and house rent. This is because in order for you to live comfortably and grow your wealth, your expenses must be far less than your income. For my readers who don't have a background in financial accounting or business management, the two concepts below are very important for you to get familiar with: ~Net

We all have 24hrs in a day irrespective of our different time zones. So recently I started being more observant about what I do within my 24hrs each day, because I find it quite baffling how we all have the same amount of time in a day but some people tend to make the most out of their time and lead more successful, happier and balanced lives while the rest struggle. By performing this observation exercise, I discovered that on those days I followed through with goals on my "to-do list" I ended each day happier and more energized than on those other days I moved without a "to-do list." This made me realize that there is enough time in a day to accomplish great feats if only I block out time to work towards specific goals on my "to-do list." Try writing your goals on a "to-do list" and block out the time to follow through with those goals over a period of time that's convenient for you and let me know what you discover. PS: writing this short

Cash a.k.a. Money is not an achievement, but a tool. The earlier you realize this truth and put it to good use through good investments, the more of it you would have flowing to you effortlessly. Stop hoarding money, stop wasting money, save some money and invest most of your money wisely. I am only sharing this because it breaks my heart each time I see people who used to live very well in the past now struggle in life. It also breaks my heart when children suffer because of their parent's ignorance and terrible mistakes. Your country might have its own glitches here and there; but it's eventually your mindset, perspective and your beliefs that make or break you. If you have a job, you're blessed - but put your income to profitable use. Likewise, if you're unemployed at the moment you're lucky - but up-skill like your next job is going to make up for the times you were off the market. Instead of laboring like crazy for money all through your life - start making you

Life is all about self-discovery and self-improvement, this is why self-awareness is a very important aspect of human existence. Unfortunately, most people are more aware of things and other people than they are of themselves. I believe that the primary responsibility of a parent is to help their children discover themselves and improve themselves in that discovery. I also feel that the primary duty of educational institutions should be to guide, nurture and motivate children or young adults towards discovering and applying their strengths towards bettering the world. Stop having misplaced priorities by looking at what others are doing and copying them, following media and society's opinion of who you should be, or at worst comparing yourself destructively to your peers You are a project. You are 100% unique from everyone else on the planet even when you share a few similarities. Your mission is to discover and improve your authentic self and inspire others to do the same. Invest i

Progressive Reflection 👇🏾 One of the least most popular topics in the business of life is CONTROL. (Yes, life is business. Your life is your business and if you learn how to manage it well you'd have self-fulfillment, progress, contentment, peace of mind, positive influence, and a lasting legacy that outlives you.) By control, I mean progressive reflection. In business management, control is simply looking back to understand what aspects of planning worked and didn't work for a business/organization over a period of time; and helpful actions to take going forward that contribute to the success of the business. You need to engage progressive reflection occasionally in order to lead a purposeful life. If you live in a busy city like Lagos, I know it's harder for you to engage in progressive reflection because there's much more to distract you from your most important business, you. But eventually, it's up to you to decide if you would prefer living on

  Before you apply the tips below, be 100% sure that your ideal customers use the social media platform you are considering advertising on. Failure to do this would result in wasted time and financial resources. Let's proceed... Not studying advertising best practices before running an advertising campaign on a particular social media platform. Not clarifying your social media advertising goals, strategy, and success measuring criteria. Failure to create an image of your ideal customer based on things like their occupation, age, location, marital status, hobbies, interests, and income brackets. Bad copy-writing or not testing your advertising language before running an advert. Not studying your competitors, their social media pages, and how they advertise. Over-copying how your competitors advertise. Using low-quality visuals (graphics, videos, and animations). Using too much texts (words) in your advertising post. Not targeting a broad audience or being too specific about your tar

  Delegate or Subcontract What You're Not Good At 👇🏾 Yes, this is exactly what the smartest achievers do because they are smart and self-aware enough to channel their effort towards work that they excel at, whilst delegating or subcontracting the rest to competent people. For example: Top companies on the Fortune and Forbes lists are known to hire external specialists from MBB or the Big 4 firms to work on certain projects in order to get optimum results. By delegating and subcontracting work you're not good at to more competent folks, you: - Have more free time to yourself - Become better at what you are already good at - Give others the opportunity to shine and thrive - Develop high-quality relationships, and - Easily earn the kind of reputation that makes people willing to support you. See, the easiest way to become a successful person is to help other people excel at what they're good at. Give people the opportunity to showcase and share their unique talents and skil

  Shocker: Your Pension or Retirement Savings Will Not Save You This article is for young and middle-aged professionals who desire a happy life and financial freedom at retirement, but don't know the right way to use their savings to get there. By the end of this article you would know how to choose a good investment asset that always puts money in your pocket. Let's proceed... The truth is, you cannot save your way into financial freedom. It's just not sustainable. You'd always be restricted in your spending. Am I saying you shouldn't save money, not at all. But what I'm saying is that you should invest as much or even more than you save after careful assessments of the risks involved. However, there are only 3 things I recommend you save for: 1. Save For Emergencies: Life doesn't promise you that things would always be the same. Change is constant. So always ensure that you have at least 12 months worth of your basic living expenses saved a

  Don't turn off your Whatsapp read receipts, do this instead... You see, while turning off your Whatsapp read receipt allows you to read WhatsApp messages without making it apparent to the sender, it can also be a sign that you lack confidence or worse, give your contacts the impression that you aren't a reliable ally. In simple terms, a WhatsApp read receipt refers to the two blue checkmarks  ✓  you see when your recipient reads your message on Whatsapp. However, if your recipient turns off their read receipts you only get to see two grey checkmarks  ✓  even after they have read your Whatsapp message, plus the time they read your message will not be available to you. So in a nutshell, the read receipts must be enabled on both sides to view the message read information. Strangely, WhatsApp voice messages treat read receipts uniquely  .... Thank me later. For instance, if you send a voice message of 2 seconds or more to a person who has their read receipts off, you will still s

If you are like most people there is a high chance that you find it easy to name all the things you don't want, but you find it difficult to name the things you honestly want. This is because knowing what you really want requires a lot more effort on your path. To know what it is that you want, you must be mindful. You must understand who you really are. Knowing who you truly are may require that you: - Focus on yourself more - Observe how you react/respond to situations - Have a clear understanding of your personal values, strengths, and deal breakers - Stop living on autopilot, and - Stop comparing yourself with other people in ways that drain you. So today and for the next couple of weeks, I encourage you to pay attention to yourself more in order to truly understand what it is you really want for yourself and go after it with faith. Remember, no company sets a goal by focusing on what they don't want. Likewise, if your goal is to be happy in life then you must know exa

Before you apply the tips below, be 100% sure that your ideal customers use the social media platform you are considering advertising on. Failure to do this would result in wasted time and financial resources. Let's proceed... Not studying advertising best practices before running an advertising campaign on a particular social media platform. Not clarifying your social media advertising goals, strategy, and success measuring criteria. Failure to create an image of your ideal customer based on things like their occupation, age, location, marital status, hobbies, interests, and income brackets. Bad copy-writing or not testing your advertising language before running an advert. Not studying your competitors, their social media pages, and how they advertise. Over-copying how your competitors advertise. Using low-quality visuals (graphics, videos, and animations). Using too much texts (words) in your advertising post. Not targeting a broad audience or being too specific about your t

“When you change the way you look at things, the things you look at change.” — Dr. Wayne Dyer. Perspective (how you see with your mind) is everything.  Life consists of both high and low periods. We win, and at some point in time, we loose. But staying down or rising again is a choice we get to make. While I was still an undergraduate at Yabatech, there was a concept I loved so much which every business leader uses till date. It is the "SWOT (Strengths, Weaknesses, Opportunities, Threats) Analysis". SWOT analysis is a very balanced approach to problem solving because, it not only considers the weaknesses a business has and its threats in the market where it operates, but also considers the business' strengths and those opportunities it can leverage on.  Now, if businesses and nations take detailed SWOT Analysis to clearly identify their weaknesses and threats, as well as their strengths and opportunities - then I suggest you do same whenever you are faced with personal ch

Being exposed to trauma or abuse as a child or an adult can severely injure the human mind such that almost everyone appears to be a potential threat to our well-being. It makes us create mental walls that isolate us from fully experiencing beautiful realities and new opportunities. Evolution has taught us to be defensive or protective for our survival and this dates back to primitive times when we humans were constantly living under threat from wild animals. But today we live in safe cities with people who are mostly unarmed and we still feel like we are being hunted, this is not the best way to live - it's abnormal. Critical thinking is not negative thinking. Negative thinking is feeling like people are out to get us or the world's against us. Critical thinking on the other hand is considering the kind of impact that our actions or inaction under certain circumstances can have on us. To avoid being victims of our own perspectives, it is essential that we always keep an open-m

Whether you like it or not, you will always need different financial services to help meet your changing needs as you grow older.  This is the reality, especially if you are an adult between 30 and 65 years, because you are most likely to experience several life changes e.g. job promotions, getting married, becoming a parent, moving into your first home, divorce, losing a parent in-law and retirement to mention a few.  Let's consider 3 scenarios for more clarity: 1. You get a new promotion at work; with this change your salary, tax, and spending habits increase. There are specific financial products to help you manage this change effectively.  2. You recently got married; with this change, your desire to have your own house increases. There's also a  financial product designed to ensure that you achieve this.  3. You have a new child or children; with this change your duty to give your children a good start in life with respect to quality education becomes priority. Yet again,

1. Get Serious About Relationships: Check on your old friends from time to time and offer them support. They could be former work colleagues, class mates, or people you grew up with. Ignore your ego and put your social media and mobile airtime to good use. You never know what opportunities you're missing by not doing this.  2. Improve Your Personality: Embrace new ways of thinking, use criticism as motivation, fix your personality flaws, read books that develop your mind, make friends with a stranger, do something for someone who can't repay you, attend events outside your industry, follow positive influencers on social media and be humble enough to seek feedback.  3. Learn From Strangers: Everyone, including those younger than you knows something you don't know. Listen to discussions, ask questions, and be curious to learn about what seems strange to you. You might just discover something very useful to you because it's possible for you to have a problem and not know i

Not having adequate knowledge of the right things to look out for when buying real estate in Nigeria could result in unpleasant financial situations and you do not want that to be your story. So here are some tips to help you know what to prioritize when buying your next real estate property in Nigeria.  1. Verify Property Title: This involves carrying out title searches at various registries where the records of properties and restrictions on properties are documented. Investigating property title is very important so that you do not buy a property with faulty title. This process may require visits to state lands registries, searches at the corporate affairs commission, the seller's family house, king's palace, charting at surveyor general's office, searches at the probate registry, and searches at the court registry depending on the type of property and the persons involved in the transaction. 2. Request for Development Permits: The reason you should ask for this is to a

Do you know that living positive remains a mirage until you stop allowing negative ideas and images influence how you see, think, feel and act. Your mind is a computer, you only process the programs you store on it. Be extra careful about the things and people that constantly influence you, because what/who influences you impacts how you think, how you think impacts how you feel, how you feel impacts how you act, how you act often becomes a habit, your habits become your character, and your character determines your destiny. Over a period of time, you become a product of what influenced you. The good news however is - you can reprogram your mind and re-direct your life by simply allowing the right things to influence you. How do you know what is right from what is wrong? What is right will never steal your joy, peace and agape love.

Lagos, Nigeria still remains the top destination for foreign and local real estate investors due to its dense population, high concentration of commercial activities and ongoing development projects within the metropolis.  Hence, if you intend to buy a real estate property for investment here in Lagos, I advise you to consider two factors. They are high returns and capital growth. These key factors would enable you to get the best out of your real estate investment, and both of them can easily be achieved when you purchase off-plan properties. So what is an Off-Plan Property? An off-plan property is a property that is often sold before construction begins. So here are the 4 things you could possibly miss out on by not investing in an off-plan real estate property: 1. Lower Purchase Price: Buying an off-plan property gives you the opportunity to secure a property below  market value. In most cases, this happens because developers are usually willing to sell out as many units as possible

The average Nigerian income earner often shies away from discussions about life insurance because they think life insurance does benefit them while they are alive and in good health. Some are not even aware of “money-back life insurance” plans, while some others believe that their pension (RSA) is enough security for them despite the fact that many retired folks still struggle financially. Apart from this, many are not well informed about the various categories of life insurance products available, such as: endowments, term-life, and whole-life policies; nor the unique benefits each of these products do offer. You see, life insurance is actually meant to provide financial protection for only the living - but maybe you weren't initially aware that life insurance will save you from the following situations while you’re still alive, hale, and hearty here in Nigeria: 1. Paying High Taxes: One of the benefits of having an active life insurance policy is that it provides you with signi