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Setting challenging goals benefits Setting big challenging goals would give something to always live for in tough and in good times. Ted Turner wasn’t wrong when he asserted, “You should set goals beyond your reach so you always have something to live for.” Let’s look at it this way. When you set not too challenging goals, it’s natural not take tasks for achieving them seriously. You’d tend to surrender to mediocrity and procrastination. Why would you likely adopt this approach?  Because you’d believe that you just need to put in little effort, do things the usual way and when you feel like to get what you want.  This approach, apart from making to procrastinate, could also create problems of attention lapse and diminishing performance. On the other hand, studies found that setting clear and challenging goals can minimize attention lapses and improve performance during task. When you want to get the big things done and  achieve big dreams, high performance is a must. Ano...

Security exchange. In a press release on November 27, 2024, 24 Exchange announced it has received approval from the U.S. Securities and Exchange Commission to operate 24X National Exchange as the first national securities exchange in the U.S. that allows trading of U.S. securities 23 hours each workday. The extended hour trading is subject to Equity Data Plans making changes that would facilitate overnight trading hours and 24X National Exchange making an additional rule filing with the SEC confirming the changes and the Exchange's ability to comply with the Securities Exchange Act. 24 Exchange CEO and Founder Dmitri Galinov said: "The SEC's approval of our new exchange is a thrilling development that the 24X Team has been working toward for many years. Traders are most at-risk when the market is closed in their geographic location. 24X National Exchange will seek to alleviate this problem by facilitating around-the-clock U.S. equities trading for broker-dealers and their...

High yield savings account in Nigeria Here are nine Nigerian banks known for offering high-yield savings accounts, as of the latest available data.  The interest rates can vary, so it’s always a good idea to check with the banks directly for the most up-to-date offers. 1. GTBank (Guaranty Trust Bank)    Known for competitive interest rates on savings accounts, including specialized savings products like the GTSave savings account. The GTSave offers a competitive interest rates at 8.175%. 2. Access Bank     Offers a variety of savings products with attractive interest rates, especially on their Access Bank High Interest Savings account. Access bank premier savings accounts attracts interest rate of  8.175%p.a paid monthly. 3. Zenith Bank    Provides various savings products with good returns, including the Zenith Bank High Yield Savings account. Zenith bank has an account called Save4Me. Save4Me  is a savings account with a higher interes...

  Gold investment   Gold investment: Goldman says go for gold; sets a target of $3,000 by next Christmas   In a report on business today, Goldman Sachs analysts predict that gold prices will reach new heights in 2025 due to increasing central bank demand and anticipated US interest rate reductions.   The investment banking firm believes that a potential second term for President Trump could positively impact gold prices, especially in light of increasing geopolitical tensions and concerns about US fiscal stability.   Before you decide to either invest in Gold or not , here are 5 things to know about Gold investment.  5 Things to know before investing in Gold.   1.        1. Gold and  the dollar sometimes have inverse relationship.     The gold price and the trade- weighted US dollar can have an inverse relationship.   What does the trade-weighted show?   The trade-weighted...

Stock O ne would have expected one of the top fund managers in the world to be impressed by Nvidia stock that has almost tripled in 2024.   But this hasn’t been the case.   Terry Smith, UK's answer to Warren Buffett is not as positive on Nvidia Corp.’s stock as Wall street analysts are . Hes not interested.   What does Nvidia sell and why the surge in the value of its stock?   Nvidia sells computer chips, graphics processing units (GPUs) that processed data in AI software.   The rise of AI has led to increase in the demand for Nvidia's processors, known to be the most advanced among those available in the market.   Would the demand for Nvidia's processors continue to increase? Most likely?   So Why is Terry Smith not interested?   Maybe investing in Nvidia stock doesn’t align with his investment philosophy.   What is his investment philosophy?   Terry Smith has an investment philosophy that’s roo...

  Business financing: Capital gearing. This article first appeared on Ayi Post. 1. What is capital gearing? 2. Why is capital gearing ratio important to business? 3. Why is capital gearing ratio important to business financing? Having a great business idea without a startup capital is like wandering a vast desert in search of an oasis.  You are literally going to leap in when you see one. Then gulp down the water with all the impurities. It’s wise to understand what capital gearing is before you decide to borrow or not to borrow to start your business. What is capital gearing? It’s a financial ratio that shows the amount of debt of a company to it’s equity. It’s a measure of financial risk.  This risk increases toward volatility as the ratio of debt to equity gets higher. The higher the gearing ratio, the more the interest payable on debt and the lower the earnings on equity. You may end up borrowing to service debt commitments. The risk doesn’t end with sinking deeper in...