Finance

   Motivation In Your Pocket . When you have no shoulder to lean on and you conclude that you are alone, look within you and pull out the motivativation in your pocket; In your pocket , you will always find the strength to carry on, beyond the limits of your imagination.  This strength is the power of positive belief.  Positive belief will always see you through the darkest valley, carry you over the tallest mountain and keep you company until you reach your goal. So, keep on believing that your tomorrow will always be better than your today and, always do all you can today,  to live to see a better tomorrow. Your positive belief is the motivation in your pocket  *** Download your free copy of the book, "Motivation In Your Pocket" here . 

  Saiz walked in a hurry in the dark. He glanced over his shoulder for the umpteenth time, to check if there was any suspicious movement behind him. It wasn't out of fear but out of habit.  "I am a master of the night."  He reminded himself. "It should be about 2:30a.m now." He thought to himself.  He remembered checking the clock on his mobile phone when he was leaving the house. The time was 1:45 a m. Since then, he hadn't checked. On his way, he didn't dare or he would've revealed his position to the patroling local police.  "I shouldn't check now." He thought, "I've to approach the prayer mountain as discreetly as possible. Pastor Peterson wouldn't want his spiritual focus to be distracted." He reasoned. He was happy for the opportunity. He had waited for five months to be invited by the pastor to the prayer mountain.  "Only five months..many ." He said under his breathe.  He had met many in the church wh...

First, why is personal budget discipline necessary?  It's necessary because without it, you're going spend more than you earn and end up living the rest of your life in debt. Spending one's entire life in debt doesn't produce growth. Personal finance growth is founded on having substantial savings, which could form a significant portion of initial investment capital.  Investments drive personal growth.  So to grow financially, personal budget discipline is necessary. However personal budget discipline can't be obtained in the absence of effective spending habits. What are the effective spending habits that guarantee personal budget discipline? 1. Having the habit of preparing a personal budget regualrly. Having a personal budget is the starting point and the driver of effective spending habits. A personal budget is a financial plan that clearly defines your expected revenue and expected expenses. For a personal budget to be effective, it must be realistic. That is, ...

  There's no one magic wand. Business survival and success depend on managing a combination of factors successfully.  Pause! This combination must be driven by a clearly thought out selling point matched by a singularity of focus. This selling point, a summary of  the primary reason customers should choose you to do business with instead of competition, is the driver of business survival and success  After you have clearly defined your selling point, shift your focus to situate it with needs and expectations of your target market, investors, suppliers and the public.  While at it, don't forget to be flexible and adaptable to changes. Don't also forget that the customer is king. Therefore, customer satisfaction should be regarded as a very important consideration for the sake of business survival and success.  Another point to keep in mind is that business success takes time. At the early stages of the business, expect expenses to exceed revenue. But with ti...

  Businesses associated with constantly rising share prices and a corresponding constantly rising dividend payouts are  attractive to dividend stock investors. This is because, investors are confident that these businesses have managements that set and achieve progressively increasing total sales revenue and declining total costs.  The result, progressively rising profits for appropriation as retained profits, dividend payouts and reinvestment for growth and expansion purposes. Now, which dividend stocks will continue to grow over the next 5 years? No one can accurately predict future share prices. Share prices are influenced by speculators' often irrational decisions.  However, as an investor, you can make near accurate predictions by picking and investing in a portfolio of at least, 15 financially strong and stable high dividend paying businesses. Such businesses can be selected from the "New York Stock Exchange’s 106 Best High Dividend Stocks - Analyzed and Scored...

  Every business set up for the purpose of making profit is primarily interested in reaching and maintaining a high level of performance where revenue exceeds expenses.  It measures its performance in terms of of the price of its shares, dividends and number of issued shares. A business's dividend policy including the stability of the policy, is tied to the business's earned profits, cash flows, prospects of growth and the preferences of shareholders or investors. Shareholders or investors considering investment options would assess dividend policies and results of shareholder or investor ratios (especially the price earnings ratio) of available businesses before making an investment decision.. The dividend policy indicates the proportion of earned profits a business is willing to pay out and the regularity at which dividends are paid out.  Now note, when a company is not making stable profits, their shares will not yield regular dividends.  What is the price earning...

  It's common for an investor to do the financial analysis of the company they want to invest in. It's uncommon for an investor to do the organizational structure analysis. The latter is usually done by management for the purpose of internal decisions. The organizational structure of a company defines its business approach. The way a company approaches its business operations has a significant impact on its performance. Its performance is the primary determinant of either profitability or non-profitability. The profitability of a company is known by carrying out the financial analysis of its performance within its industry over a range of financial years.  Profitability and its consistency form the primary concern of an investor. It is the consistency in profitability that guarantees regular payment of dividends, interest on debt and return of principal. The foregoing indicates that both organizational structure and financial analyses of investment options could improve invest...