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Life Bits

How to save more in 2018

By | Life Bits | No Comments

Do you have millions of naira or even dollars sitting pretty and waiting for you to spend as you like? If your answer is no, then that word ‘Budgeting’ may be your ticket to saving more in the New Year. Why? Because when you budget wisely especially with 2018 in view, you will not only be able to account for all your money, but you may also be able to save towards a pressing goal or just towards your future. Now, don’t consider this a damper on all the fun you plan to have with your hard-earned money, instead look…

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Let down your hair, it’s Christmas!

By | Investment 101, Life Bits | No Comments

As exciting as year-end can be, it can also be very busy and demanding. With so many meetings to attend, budgets to put together and pertinent decisions to take, one could easily forget it is supposed to be the ‘holiday’ season. But it has being an eventful year and you have worked round the clock to achieve the victories you recorded. You deserve to take some time off, spoil yourself a little and have a good time this Christmas. So, what are your plans for the holidays? Do you have children returning home or are you kicking it solo? Whichever…

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Six changes you should consider making in 2018

By | Life Bits, Living Benefits Show | No Comments

Please don’t call it New Year Resolutions – because that tag seems to have been jinxed with many never being able to achieve their resolutions. Instead call it your 2018 commitment to self. How about that? Commit to making these six changes in 2018 for a better year: Be more positive There is so much negativity everywhere, but when you choose to see the positive in every situation, you’ll be shocked how your life seems filled with joy and happiness. Be intentional about your state of mind and what you dwell on in 2018. Be realistic Don’t allow yourself to…

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Ask Shade: My Late Father’s Family Head Wants to Give the Family House to Our Irresponsible Half-Brother

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Dear Shade, I came across a few of your previous articles and I am hopeful that you will be able to help with my dilemma. I am the first child of my father who recently passed away. He had two wives and five children; one son and four daughters including me. My mother, his first wife had only daughters, while his second wife had a boy and a girl. Besides my half-brother who has not been able to progress academically, we are all relatively successful in our careers and academics. My father did not have a will, so the family…

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Balling on your entry-level salary

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Nothing beats the thrill of landing your first job post-NYSC especially after months or even years of job hunting with no success. Now you have a salary and probably some benefits, issa big boy! Many things you’ve always wanted now seem achievable. You begin to dream of a change of wardrobe – how else will your Instagram followers know that you’ve gotten a job if you don’t slay for the gram? Bus rides start becoming burdensome – Ha! In this your fine suit, you’ll now come and start sweating in a bus? A new car or even daily Uber rides…

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Your phone or your life?

By | Life Bits, Living Benefits Show | No Comments

How long can you stay without your phone? If you answered honestly, probably not too long. For many of us, our phones have become our besties. A day without our phones feel like something important is missing. If you lost your phone today without any sort of backup to the contacts you have or the files you saved in it, it would feel like starting life again with a new phone. Not only will you be spending extra, you may never recover your lost files. This is why it is normal to see a lot more people backup their files…

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Personal Finance with Raphael- Adetunji’s Testimony

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It was five days to Easter Sunday and we could never have expected what happened. At first, it was a light drizzle, then it became a downpour, so heavy that it flooded our house. All the rooms downstairs were affected, and our properties destroyed. As much as it was in no way a palatable experience, my family and I were fortunate in that it wasn’t a budget disaster. Many of our neighbours still grappling with their loses have not stopped asking how we were able to raise the N2.5m in costs that came with damages associated with the flood in…

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Three key things to do before the year runs out…

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It does not matter if 2017 was a blast or not, 2018 is almost here and is all yours for the taking. These pointers will not only help you wrap up 2017 in style, they will help you usher in 2018 with a bang. Check them out; Review What kind of year did you have? Were you able to achieve the goals you set? Did you get to spend quality time with your family as you purposed to at the beginning of the year? Did you get that certification or promotion you were gunning for? Or start that business you…

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How to stay safe online

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Have you or anyone you know ever been a victim of cyber-attack? It can get ugly especially when it means you lose valuable information/documents or even money to internet fraudsters.  You can prevent these online attacks by knowing what to do to stay safe while you use the internet. These tips will help you stay safe online.   At ARM, the acceptable means of payment are cheques, bank transfers & online transfers. If you suspect any unusual activity on your account or in your dealings with ARM Investment Managers, we advise that you kindly call 0700WHISTLEBLOW (070094478532569) or click here to file…

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Two kinds of people, which one are you?

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There are two kinds of people you are likely to come across during sales season. First there are the sales ninjas. They anticipate sales season, prepare for it, maybe even save towards it. These people recognise the need for a purchase and think to themselves, it’s August already. November is just around the corner. I’ll manage till then and buy it on black Friday. They are clear as to exactly what they want to buy when the sales season starts and they even know where to shop to get the best deals. Then there are the sales victims. These ones…

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