Thursday, October 5, 2017



After a stressful day, I decided to relax in the front yard of my father's house. It was already getting late and so I was privileged to enjoy the cool evening breeze and no scorching sun as it was sunset already. In the course of my relaxation, I was entertained by the high traffic in front of the compound as a variety of activities ensued. Moving vehicles with different sorts of honks, chats and laughter, loud music playing across the street, greetings and various salutations, and so on, you can picture what a Lagos city could look like late in the day.

While these numerous events occurred concurrently, I noticed a couple walk by my house and they provoked a thought in my head. The thought was not some naughty deeds exhibited by my dad to make me tag him dumb, because my Dad is one of the most intelligent people I've met in this world. The thought provoked in my mind was the cycle of nature and how things have evolved in time past. The evolution of mankind for the few generations I've witnessed got me thinking and made me pick up my pen.

The couple that walked past me were pretty short and I thought of  how average their height must have been in the early days of their marriage and how perfect they must have looked. I immediately assumed that their wards must be taller than them, because that is a trend I've noticed in my family. My Dad is taller than his dad and I am taller than him, and I equally expect my kids to be taller than me. This means that the average height of this generation will some how be tagged short in some years to come. Well, their height is not actually my concern but the evolution of mankind.

From my observation, the current generation outsmarts their predecessors in intelligence despite being under the tutelage of their predecessors.  It is quite evident that we all have to put our parents through a number of techy appliances which we were never privileged to have attended a class for. I am equally sure that my parents did something similar to my grandparents despite their wealth of experience. This trend is possible to be in existence into perpetuity so my kids will probably teach me how to operate the innovations of nanotechnology.

This evolution is not just limited to height or intelligence but also to beauty and aesthetics, creativity, norms and ethics, fashion, etiquettes and behavior, technology and a number of other things. This therefore means that someway somehow, the future generations will in their own little way, outpace our very best innovative merchandise. Therefore validating the fact that preceding generations are dumber than their successors.

You should by now agree with me that your parents are dumber than you and the cycle won't end there as you'll certainly be dumber than your very own children. Our case might though be worse than our parents' as their generation is more diligent than ours. They paid more attention to hard work than we will ever do. So you're enjoined to act fast to avoid an impending danger

Thank you!

© DOKUNMU Oluwatosin
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I feel privileged to be in a society where thought provoking write ups are made by my contemporaries. Early this morning, some top notch fellows of my noble department had Nigeria's current state as a matter of discuss. I agree to a number of the facts they asserted, but I feel disturbed on some others as I viewed them from an entirely different perspective.

Truly, we need to be appreciative for a rare opportunity as this to enjoy some privileges. Electricity from PHCN is way cheaper and even better than the strongest Mikano Generators as well as a number of other things the government provides. We cannot but agree that no one, in his own capacity, can proudly execute most of the functions of the current government in the country. Asides that, the country has been blessed with a number of physical, natural and even human resources.

See me not as a pessimist, but as an objective fellow, because I also share the notion of a better Nigeria at least for the sake of the future generations. The country is though worthy of being extolled, but on a second thought, the country is a mere disappointment to our noble fathers who fought whole heartedly for our freedom. The likes of Awolowo, Azikiwe, Balewa and a number of our freedom fighters will be sad at what we've made their sweats turn into.

Truly, a number of us have got admissions and scholarships on merit, but that doesn't still mean we should give commendations for these, because these are some of the many norms that we shouldn't beg for. Imagine we see electricity and so many other necessaries which are rights as privileges in this country. Does that sound like what we should be thankful for after a Jubilee celebration?

Permit me to say this, I refuse to accept mediocrity for no sort of justification. Virtually all the sectors in the country has failed right from the most important even to the most insignificant. How can we be proud of a system that encourages failure or why will the Educational legislators permit a cut off mark of 25% (100/400) to enter an already deplored institution of learning.

Our educational systems are not even currently fit to compete in the 21st century with the current level of learning what then would will expect of it in the next decade? Imagine, the very best of our institutions struggling to be among top 20 in the black continent not to talk of the whole world whom we are all competing with. How then will our economy fare if education, the most important supply side factor is at a deplorable state? Are we going to ever experience development in the future years at all?

Our infrastructure in this country has also been experiencing a rather snail-like development for many years now. Imagine, a country with enviable resources still having issues with mere transportation and communication having been rich for most part of her years of Independence. Imagine the annual degradation of the country's economy despite being the population hub of the black continent.

I could continue to highlight disappointing issues about my dear country, but it will only make me sad the more as little or no efforts are being put in place to set things on track. Frankly, the government cannot do all to make the country better because the efforts of the citizenry is integral to achieve a significant change in the country. We're all guilty of the bad situations in the country, and if we don't turn a new leaf we might end up not enjoying what God has ordained for us by being Nigerians.

However, despite the woes in the country, I'm still proud to be a Nigerian as I am not only a rare specie of the human race but also a wonderful one at that.

I hope for a better Nigeria

© DOKUNMU Oluwatosin
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Friday, May 2, 2014

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5 Interview Questions and Answers that can Guarantee you a Job

Have you ever felt pretty stupid after an interview? You knew without anyone telling that you’ve done woefully. It’s an embarrassing and morale-dampening position to be. But it does not have to e a continued trend; you can equip yourself, not only to impress your interviewers, but to get the job. Adequate preparation is necessary to do well at an interview. It is best you brainstorm likely questions you interviewer would ask based on the industry, company and job requirement. However, based on researches and experiences, there are certain questions most interviewers can’t resist asking like the tricky “Tell me about yourself” question. I’m going to examine five of these general questions and also providing insights on how best to answer them.

Tell me about yourself
This could be a tricky question, as it might be hard to tell what exactly they want to hear or where you are expected to stop. However, please note that the worst way to approach this question is telling the interviewer your life story; they are definitely not interested in that. The best approach is to discuss how your background (skills, education, experiences etc.) makes a you a great candidate.

What are your strengths and weaknesses?
It’s alright to share your strengths, but ensure they are strengths that will help your effectiveness on the job, nobody cares about your cooking skills except you are being interview for a catering job. Also, note that when talking about your weakness, the best approach is to share a weakness that you’ve turned around. For example, you used to be a “latecomer” but have learnt effective time management, such that your punctuality is now being commended by people. Also beware of overused or untrue responses such as, “Well my greatest weakness is that I work too hard and need to learn to take it easy once in a while”. Nobody believes such; tell the truth always.”

Where do you want to be in the next 5 years from now?
Employers want to know if you will be there for the long haul. They need to know you are not just applying for the job because you need money they also to know if you have realistic expectation of your career.
Show them that you’ve done some self assessment and career planning. Let them know that you hope to develop yourself professionally, take on additional responsibilities at that particular company and help the company in any way you can. Avoid absurd statements like “I don’t know” or “I want your job”

Why are you leaving your current job?
Employers want to know the reason for you leaving you current job. Is it simply a money issue or are you looking for `an opportunity to advance your carrier? If your leaving because you don’t like your boss, don’t talk negatively about your Bo, just say you have different work philosophies. If the work has being boring to you simply 8say you are looking for a more challenging position. Discuss the positives that came out of your most recent job-dwell on why you think this new position is ideal for you and why you’ll be great addition to their company.

What is your salary requirement?
An employer, by asking this question, simply wants to know if you have realistic expectations about remuneration, if you want more than they can give and if you are flexible about your expectations. Avoid answering this question in the first interview because you may short-change yourself. Give them a salary range and not a specific amount if possible, let them make the first offer. Don’t readily accept the first offer; there might be room for negotiation. Be sure to take your experience and educational achievements into consideration. Be brief and go straight to the point and be comfortable with the silence that my come after.

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Monday, March 24, 2014

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10 Ways to Avoid a Heart Disease

With doctors offices busier than ever, you are lucky if you get 30 minutes with one, which is why it’s not surprising that even when it comes to our vital organs, the advice we receive especially on heart disease issues can sound somewhat pedestrian. Advices like:
Exercise Regularly,
Watch your Diet,
Don’t Smoke and
Limit your Drinking.
These advices can sometimes sound somewhat quack but they are actually the best of advises.
Is there anything else you should be doing to protect your life and avoid fatal heart diseases? Yes there are numerous things but I’ve streamlined it to just 10 tips or techniques that can help you avoid all sort of heart attacks be it fatal or not. They include:

1.   Do not skip your breakfast. Study has shown that people who do take their breakfast regularly are less prone to heart diseases and heart attacks.
2.       Try to burn at least 50 calories a day doing some strenuous exercises like swimming or hiking or anything of similar activity this helps to burn unnecessary fat around the heart thereby reducing the occurrence of a heart attack.

3.       Meditate for at least 20 minutes a day excluding your normal spiritual meditation. This reduces a lot of mental stress and also helps in putting your blood pressure under control thereby helping you to avoid a heart attack.

4.       Drink a lot and variety of teas and also take water as much as you can but avoid taking excess of it. These liquid substances help prevent heart diseases.

5.       Avoid caffeinated drinks like Coffees, Coca Cola and Pepsi amongst others, they increase blood pressures and a high blood pressure can bring about a fatal heart attack.

6.       Take cereals daily; they contain folic acids that help prevent heart diseases

7.       Stop your sugar intake; swap sugar with honey

8.       Make friends at work. Healthy work relationships help a lot in the control of high blood pressure.

9.       Extramarital affairs increases your risk of a fatal heart attack so avid it.

10.Put these tips to use. Remember your life will benefit more when you have a few heart diseases.

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Friday, March 21, 2014

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The Stock Market | How to Analyze a Company's Fundamentals

A quick way to know what you are buying using all the results posted on Stock Exchange Market, other than the Annual report includes:
1. You will need to know what kind of investor you are. Short term or Long term?
People usually say for long term, price
doesn't matter, but price do help you maximize your gains and minimize your losses.
2. If u want to buy a stock amongst these lists of stocks for example:
Year End results shown on Stock Exchange Market

Outstanding Shares = 2billion units
Current Price=N2
Turnover(2010)=N5.8billion Turnover(2009)=N3.6billion
PBT(2010)=N2.5billion PBT(2009)=N1.1billion
PAT(2010)=N2.1billion PAT(2009)=N700million
Net asset(2010)=N9billion
Net asset(2009)=N7billion
Dividend(2009)=15kobo Dividend

Outstanding Shares=6billion units
Current Price=N1
PBT(2010)=N4billion, PBT(2009)=N6billion
PAT(2010)=N3.5billion, PAT(2009)=N5.2billion
Net Asset(2010)=N48billion, Net Asset(2009)=N51billion. Dividend(2009)=50kobo, Dividend

Outstanding Shares=28b units
Current Price=N20
PBT(2010)=N50billion, PBT(2009)=N45billion,
PAT(2010)=N40billion, PAT(2009)=N35billion
Net Asset(2010)=N200billion, Net Asset(2009)=N196billion
Dividend(2009)=75kobo, Dividend(2010)=100kobo.

Outstanding Shares=12billion units
Current Price=N80
Turnover(2010)=N220billion Turnover(2009)=N180billion
PBT(2010)=N18billion PBT(2009)=N15billion
PAT(2010)=N10billion, PAT(2009)=N11
Net Asset(2010)=N120billion, Net
Dividend(2009)=50kobo, Dividend

Looking at these examples, you can easily calculate
¤ EPS= PAT/(O/S)
¤ PER= Current price/EPS
¤ BV=Net Assets/(O/S);
¤ Dividend Yield= Current Dividend /Current price * 100%.

• O/S is Outstanding Shares
• PBT= Profit Before Tax
• PAT= Profit After Tax
• PER= Price Earning Ratio
Stock A:
¤ Current EPS=N1.05
¤ Current PER=1.9
¤ BV=N4.5
¤ Dividend Yield=25%
Stock B:
¤ Current EPS=N0.583
¤ Current PER=1.7
¤ BV=N8
¤ Dividend Yield=20%
Stock C:
¤ Current EPS=N1.43
¤ Current PE=14
¤ BV=N7.14
¤ Dividend Yield=5%
Stock D
¤ Current EPS=N0.833
¤ Current PE=96
¤ BV=N10
¤ Dividend Yield=0.5%
What to do:
• Look at the 4 stocks and screen them based on their PER. The ones with lowest PERs pass. So I expect U to pick stock A and stock B.
• Then u look critically at stock A and B (based on the results above as shown on the annual report of the SEM). Look at dividend yields of both and ponder on them. If you buy A now at the current price, you will hold A for 4 years assuming that they keep paying the same dividend and at the end of the 4 years, I will almost have the capital I used in buying A. But if I buy B, I will have to hold 5 years based on the dividend. This then calls for your investment period. How long are you ready to hold seeing such juicy dividend yield!?
• Still looking at the dividend, you will see that for A, there is more than a 200% increase in the dividend paid in 2010 and
the one paid in 2009. For stock B,there is 150% decrease in dividend paid in 2010 and that paid in 2009. You may start thinking that stock A is better.
• Using analysis based on book value(BV), You will find out that while stock A is trading at N2, stock B is at N1. But the worth of the company A is N4.50 while the worth of company B is N8. At this point, If you buy A at its current price, then you are paying N2 for a company worth N4.5. That is 125% discount! However buying B would mean that u are paying N1 for a company worth N8. And that is 700% discount.
The question now is which will you buy? Many things will be considered before buying either A or B or even C.

This is the quickest way to analyze a stock before buying. That is for a lameman. But seasoned investors on SMN don't do this. They sleep with the annual report. It takes them time to analyze the annual report and then come up with what to buy. They look at the debts, receivables, turnover,management, cost control measures and everything about the balance sheet. They even compare years of each report before buying and that is for the seasoned investors.
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Thursday, March 20, 2014

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The Stock Market | Dividends

Dividends are returns paid to shareholders of a company out of the profits of the company. They are paid periodically upon recommendation by the board of directors and subsequent approval by shareholders of the company at the Annual General Meeting (AGM).
Types of Payment
Dividends are payed via dividend warrants (a cheque like payment) or bonus issues and are mailed to shareholders or credited directly to their bank accounts if they had previously filled an e-dividend or e-bonus accounts with the company's registrar in which the are happen to be a shareholder.
E-dividend is an electronic transfer of dividends into a shareholder's account without relying on the physical dividend warrant. To, however enjoy the e-dividend facility a shareholder will have to fill an e-dividend authorization
form and submit it to his bank. That way the shareholder is sure to receive dividends in his own private current account.
Ex-Div Period
The Ex-Div date/period is the cut-off date for payment of dividend and also the date upon which the share price trades less the amount of dividend per share that will be paid. As such when a company declares dividends it usually accompany it  with a date of closure of register. Therefore, the shareholders that will get dividends are those that have their names on the register on or before the date of closure of register. Therefore if you make any purchase of share after the ex-div date or period' you will not be paid dividends for that period.
Types of Dividends
There are different types of dividends some of which are cash dividends or script dividends.
Cash dividends are periodically paid out of the profits of a company. Cash dividends can also be paid when the company liquidates, but this dividend will only come up after all the creditors have been settled. Bonus issues are also classified as dividends except that they are not cash payments. They are dividends issued in the form of shares to shareholders which they can now decide to sell in the Stock Exchange Market for cash.
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10 Ways to Ensure Safety at Home

Do you know that over 5,000 deaths and injuries are caused by home accidents yearly? Yet, the home is supposed to be a safe haven.
Most domestic accidents are results of carelessness, complacency and ignorance. We take so many things for granted and only get cautious when we hear of an accident that led to serious injuries and death. Here are some important safety tips to follow:
1. Keep all households products and medicines out of children's' reach.
2. Store medicines separately from household products.
3. Leave all original labels on all products and read the label before and after using.
4. Never give or take medicines in the dark
5. Keep medicines and household products in their original containers. Never transfer to a soft drink bottle or other containers.
6. Never refer to medicines as being "sweet" not minding how good it tastes.
7. Pour liquids on the side opposite the label so the moisture doesn't blur the writing on the label.
8. Avoid taking medicines in front of children as they tend to imitate adults.
9. Be most attentive at peak (busy) periods because that is when home accidents occurs among the children.
10. Stick to these ten important home safety tips 
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