Dangote economics is shaping African Economy for better

Alhaji Aliko Dangote involvement in many industries all around the world. In 2017 Aliko Dangote partnered with China’s heavy-duty truck group Sinotruck to set up a $100 million plant to assemble trucks and cars in Nigeria for local use and export.

Dangote Sinotruk West Africa Limited is a joint venture, in which 65% owned by Dangote and 35% by Sinotruck and the company has the capacity to assemble and produce 15 –16 trucks per shift or 10,000 trucks annually. The company is established to assemble and produce a full range of commercial vehicles covering heavy duty truck, medium truck, light truck and other semi-trailers, etc. and it aims to meet an expected current demand of the segment of Automobiles required for logistics, construction, food and beverage industries in Nigeria to support the government’s efforts in boosting economic development across the country, also, to provide employment opportunities for Nigerians and improve local automobile industry.

The production base will not only serve the market demand in Nigeria but also can fulfil the requirements of neighbouring ECOWAS countries. If other businessmen emulate Dangote in the efforts to create jobs through manufacturing rather than importation of finished products signing the African Continental Free Trade Agreement (AfCFTA) would benefit Nigeria a lot.

Jacinda Ardern, the Woman of Hope in a New World

Jacinda Ardern, in full Jacinda Kate Laurell Ardern, (born July 26, 1980, Hamilton, New Zealand), New Zealand politician who in August 2017 became leader of the New Zealand Labour Party and then in October 2017, at age 37, became the country’s youngest prime minister in more than 150 years.

Early Life And Start In Politics

The second of two daughters born to a Mormon family, Ardern spent her first years in Murupara, a small town best known as a centre of Maori gang activity, where seeing “children without shoes on their feet or anything to eat for lunch” inspired her to eventually enter politics. Her father—a career law-enforcement officer who later (2014) became the New Zealand government’s high commissioner to the island of Niue—moved his family to Morrinsville, southeast of Auckland on New Zealand’s North Island, where Ardern attended primary and secondary school. She matriculated to the University of Waikato in 1999.
Even before earning a bachelor’s degree in Communication Studies (2001), Ardern began her association with the Labour Party. In 1999, at age 17, she joined the party and, with the help of an aunt, became involved in the reelection campaign of Harry Duynhoven, a Labour member of parliament (MP) in the New Plymouth district. Following graduation, Ardern became a researcher for another Labour MP, Phil Goff. That experience would lead to a position on the staff of Prime Minister Helen Clark, the second woman to hold New Zealand’s highest office and Ardern’s political hero and mentor.

In 2005 Ardern embarked on an “overseas experience,” an extended—usually working—trip to Britain, which is a traditional rite of passage for the children of New Zealand’s middle and upper class. Instead of labouring in a London pub or warehouse and then touring the Continent, however, Ardern worked for two and a half years in the cabinet office of British Prime Minister Tony Blair, serving as an associate director for Better Regulation Executive with the primary responsibility of improving the ways in which local authorities interact with small businesses. In 2007 she was elected president of the International Union of Socialist Youth (IUSY), a position that took her to destinations such as Algeria, China, India, Israel, Jordan, and Lebanon.

In 2008 Ardern was chosen as Labour’s candidate for MP of the Waikato district, a seat that historically had been beyond the party’s reach and that Ardern lost by some 13,000 votes. Nevertheless, she entered parliament as a list candidate. New Zealand’s mixed member proportional (MMP) election system allows candidates who run for a district seat also to be on a party’s list of candidates, from which 49 MPs are chosen in proportion to the number of votes received by their parties. At age 28 Ardern entered the House of Representatives as its youngest member. In her maiden speech she called for the introduction of compulsory instruction in the Maori language in New Zealand schools and she castigated the New Zealand government for what she characterized as its “shameful” response to climate change. In addition to being named Labour’s spokesperson for Youth Affairs, Ardern was appointed to the Regulations Review and the Justice and Electoral select committees.

In 2011 she ran for the seat representing Auckland Central that was held by another of New Zealand politics’ brightest young stars, Nikki Kaye of the New Zealand National Party, who was just five months older than Ardern. Kaye narrowly (717 votes) won the race, dubbed the “Battle of the Babes,” but once again Ardern returned to parliament as a well-placed list candidate. Ardern’s support for David Shearer in his successful quest for Labour leadership won her a high profile assignment as Social Development spokesperson. In 2014 Ardern once again faced off with Kaye for the Auckland Central seat, this time losing by only 600 votes. Nonetheless, ensconced at the number five position on Labour’s list, Ardern easily returned to parliament. Labour leader Andrew Little expanded her portfolio to include positions as spokesperson for Arts, Culture, and Heritage, Children, Justice, and Small Business.

As Ardern’s political profile increased in prominence, the details of her personality and personal life became better known. Opposed to the Church of Jesus Christ of Latter-day Saints’ stand on homosexuality and same-sex marriage, Ardern became a lapsed Mormon. She gained notoriety by performing as a disc jockey. She was also involved in a romantic relationship with broadcast personality Clarke Gayford, who in 2016 became the host of Fish of the Day, a part-fishing, part-travel television program that took him to exotic island locales throughout the Pacific. Ardern bridled at media attention to her physical attractiveness, characterized herself as an “acceptable nerd,” and described her approach to life as “relentlessly positive.”

Ardern Becomes Party Leader

In 2017 Ardern registered a landslide victory in the parliamentary by-election for the vacant seat representing the solidly Labour district of Mount Albert in Auckland. When Labour’s deputy leader, Annette King, announced her resignation, Ardern was unanimously elected as her replacement. Meanwhile, as the general parliamentary election scheduled for September 2017 approached, Labour’s showing in preference polling was abysmal. Even after some nine consecutive years with the National Party in power, there was seemingly little interest among voters in trying Labour Party rule. A pair of polls in July found Labour Party support to be less than 25 percent—some 6 percent worse than the party’s standing in a June polling. With fewer than two months left before the election, Little stepped down as leader but not before securing Ardern’s pledge to stand as his replacement (reportedly, she refused seven times before agreeing). Running unopposed, Ardern was elected leader on August 1.

The 2017 Election

Thus began a spirited sprint by Ardern to replace the National Party’s Bill English as prime minister. Her charismatic optimism, strength, and down-to-earth charm quickly energized voters—especially women and the young—and, in response, Labour’s preference polling numbers climbed. In terms of the issues, Ardern called for free university education, reductions in immigration, decriminalization of abortion, and the creation of new programs to alleviate poverty among children. More broadly, she promised a “fairer deal” for the marginalized. As “Jacindamania” swept the country, pundits began characterizing Ardern as a “rock star” politician in the mode of Canadian Prime Minister Justin Trudeau and former U.S. president Barack Obama.

She also became something of a feminist icon after her response to an interviewer’s question about whether she planned to have children. Initially, Ardern said that she had no problem answering the question. The next day, however, when another interviewer implied that employers had a right to know whether prospective female employees planned on taking time off from work to have children, Ardern responded much more forcefully:

I decided to talk about it, it was my choice…, but for other women it is totally unacceptable in 2017 to say that women should have to answer that question in the workplace. It is the woman’s decision about when they choose to have children. It should not predetermine whether or not they are given a job or have job opportunities.
English accused Ardern of lacking foreign policy experience and encouraged voters to look beyond the “stardust” she spread. In the event, the National Party was the biggest vote getter, winning some 46 percent of the total (excluding special votes), and Labour’s share was about 36 percent. Based on those results, the National Party stood to hold 58 seats and Labour 45 seats, not enough for either to attain a majority, even with the Green Party’s seven seats in support of a Labour government. When the special votes (those cast by New Zealanders who were overseas or who had registered to vote on polling day) were tallied, Labour and the Green Party each gained a seat at the expense of the National Party.

Premiership

Forming a coalition government
All of this left the centre-right New Zealand First Party, which won nine seats, in the kingmaker role. New Zealand First’s 72-year-old leader, Winston Peters, kept the country in suspense for weeks as he negotiated with both the National Party and Labour over New Zealand First’s potential participation in a coalition government. Finally, on October 19, Peters went on national television to announce that he had chosen to go into a partnership with Labour that would be further dependent on “supply and confidence” support from the Greens. “Far too many New Zealanders have come to view today’s capitalism not as their friend but as their foe,” Peters said in announcing his intention to govern with Labour. Ardern found out at the same time as the rest of the country that she was about to become its 40th prime minister, and she was sworn in on October 26.

In June 2018 Ardern gave birth to her first child, a girl. She thus became the first leader of a country in nearly 30 years to give birth while in office.

The March 2019 mosque attacks in Greater Christchurch

In March 2019 Ardern was called upon to lead and comfort her country in the wake of what she characterized as one of its “darkest days,” after an attack on a mosque in central Christchurch and another on a mosque in suburban Linwood during midday prayers on March 15 resulted in the loss of at least 50 lives and injuries to about 50 other individuals. In both cases the assailant allegedly was a 28-year-old white supremacist Australian national who had posted a 74-page anti-immigrant manifesto on social media immediately prior to beginning his attack with assault rifles and shotguns. Before he was apprehended by police, the gunman—who had streamed the attack on the first mosque on Facebook, apparently using a head-mounted camera—had killed 42 people at the first mosque and another 8 at the second, some 3 miles (5 km) away. According to his rambling hate-filled manifesto, the alleged assailant had come to New Zealand specifically to undertake the attacks to highlight that even a place as remote as New Zealand suffered from “mass immigration.”

The anti-immigrant motivation for the attacks was especially jolting in a country with a reputation for welcoming immigrants. Indeed, Ardern had recently announced that in 2020 New Zealand would be increasing the number of immigrants it accepted annually from 1,000 to 1,500. Ardern labeled the assault a “terrorist attack.” In addressing the country, she said of New Zealand,

We were not a target because we are a safe harbour for those who hate. We were not chosen for this act of violence because we condone racism, because we are an enclave for extremism. We were chosen for the very fact that we are none of these things—because we represent diversity, kindness, compassion, a home for those who share our values, refuge for those who need it.
She then called for changes to New Zealand’s gun laws, a statement that appeared to meet with broad approval in a country where gun ownership was widespread.

Written by Jeff Wallenfeldt for Encyclopædia Britannica, Inc.

Google Classroom: The Basics for Teachers and Students

Google Classroom is a free web service developed by Google for schools that aim to simplify creating, distributing and grading assignments in a paperless way. The primary purpose of Google Classroom is to streamline the process of sharing files between teachers and students.

Google Classroom combines Google Drive for assignment creation and distribution, Google Docs, Sheets and Slides for writing, Gmail for communication, and Google Calendar for scheduling. Students can be invited to join a class through a private code, or automatically imported from a school domain. Each class creates a separate folder in the respective user’s Drive, where the student can submit work to be a graded by a teacher. Mobile apps, available for iOS and Android devices, let users take photos and attach to assignments, share files from other apps, and access information offline. Teachers can monitor the progress for each student, and after being graded, teachers can return work,along with comments.

Features
Google Classroom ties Google Drive, Google Docs, Sheets and Slides, and Gmail together to help educational institutions go to a paperless system. Google Calendarwas later integrated to help with assignment due dates, field trips, and class speakers. Students can be invited to classrooms through the institution’s database, through a private code that can then be added in the student’s user interface or automatically imported from a school domain. Each class created with Google Classroom creates a separate folder in the respective user’s Google Drive, where the student can submit work to be graded by a teacher.

Assignments
Assignments are stored and graded on Google’s suite of productivity applications that allow collaboration between the teacher and the student or student to student. Instead of sharing documents that reside on the student’s Google Drive with the teacher, files are hosted on the student’s Drive and then submitted for grading. Teachers may choose a file that can then be treated as a template so that every student can edit their own copy and then turn back in for a grade instead of allowing all students to view, copy, or edit the same document. Students can also choose to attach additional documents from their Drive to the assignment.

Grading
Google Classroom supports many different grading schemes. Teachers have the option to attach files to the assignment which students can view, edit, or get an individual copy. Students can create files and then attach them to the assignment if a copy of a file wasn’t created by the teacher. Teachers have the option to monitor the progress of each student on the assignment where they can make comments and edit. Turned in assignments can be graded by the teacher and returned with comments to allow the student to revise the assignment and turn back in. Once graded, assignments can only be edited by the teacher unless the teacher turns the assignment back in.

Communication
Announcements can be posted by teachers to the class stream which can be commented on by students allowing for two-way communication between the teacher and students. Students can also post to the class stream but won’t be as high of a priority as an announcement by a teacher and can be moderated. Multiple types of media from Google products such as YouTube videos and Google Drive files can be attached to announcements and posts to share content. Gmail also provides email options for teachers to send emails to one or more students in the Google Classroom interface. Classroom can be accessed on the web or via the Android and iOS Classroom mobile apps.

Archive course
Classroom allows instructors to archive courses at the end of a term or year. When a course is archived, it is removed from the homepage and placed in the Archived Classes area to help teachers keep their current classes organized. When a course is archived, teachers and students can view it, but won’t be able to make any changes to it until it is restored.

Mobile applications
Google Classroom mobile apps, introduced in January 2015, are available for iOS and Android devices. The apps let users take photos and attach them to their assignments, share files from other apps, and support offline access.

Privacy
In contrast to Google’s consumer services, Google Classroom, as part of G Suite for Education, does not show any advertisements in its interface for students, faculty, and teachers, and user data is not scanned or used for advertising purposes.

Reception
eLearningIndustry tested and made a review of Google Classroom, in which they highlighted many positive and negative aspects. Among Classroom’s strengths, the review highlighted ease of use, universal device accessibility, use of Google Drive as an effective way for teachers to quickly share assignments with students, the paperless process meaning the end of printing, handing out, and potentially losing work, and the fast feedback system between students and teachers. Among Classroom’s disadvantages, the review highlighted the service’s heavy integration of Google apps and services with limited or no support for external files or services, lack of automated quizzes and tests, and a lack of live chats that can aid in feedback efforts.

Google has been criticized for allegedly data mining students’ browsing history, searches, and other usage of services for advertising. In April 2014, Google announced that it would stop scanning students’ Gmail messages for advertising purposes, following privacy concerns. TechCrunch wrote that, while ads weren’t included in the education program, data and information learned from users through the program was used to show advertisements at later times in other areas. On December 1, 2015, the Electronic Frontier Foundation filed a complaint with the Federal Trade Commission, alleging that Google “broke a pledge to honor student privacy with its educational tools”. EFF staff attorney Sophia Cope stated that “We are calling on the FTC to investigate Google’s conduct, stop the company from using student personal information for its own purposes, and order the company to destroy all information it has collected that’s not for educational purposes”. Google responded the following day: “While we appreciate the EFF’s focus on student data privacy, we are confident that our tools comply with both the law and our promises, including the Student Privacy Pledge, which we signed earlier this year”. The Foundation made new allegations against Google in April 2017, focusing particularly on the company’s actions of “dumping millions of low-cost Chromebooks on U.S. schools, enabling the mass collection and storage of information on children without the consent of their parents”.

Source: wikipedia.org

FasterCapital’s First Round of Funding 2019

Dubai, UAE, 21st March, 2019:

FasterCapital (a virtual incubator based in Dubai, UAE) has finished its first round of funding on 16th, March, 2019. FasterCapital has attracted more than 250 submissions from more than 60 countries. The results will be annouced in four weeks time.

This round is dedicated for startups interested in the incubation program where FasterCapital comes as a technical cofounder and invests up to 75% of the seed funding in each accepted startup.
FasterCapital closed the round with the annoucement of accepting a new innvovative startup from Australia (Bubble.Global) into its incubation program with an investment of usd 150,000.

FasterCapital is a virtual incubator based in Dubai Internet City, UAE. FasterCapital has more than 24 graduated startups, 25 startups in incubation program, 270 startups in the acceleration program plus more than 680 regional partners and repersentatives and 200 offices worldwide.

FasterCapital has invested more than 13 million USD since its creation in 2010.

FasterCapital has more than 100 internal developers with different skillsets who are already working on multiple projects.

Startups can apply to join our Virtual Incubator at:
http://www.fastercapital.com/entrepreneurs.html

Contact info
Name: Mr. Faisal Khamees
VP of Operations at FasterCapital
Phone: +971 5558 55663

Name: MR. Terry Crospy
Mentor & Investor at FasterCapital
Phone: (512) 400-0256

Name: Mr. Oyebamiji Adesoji Usman
FasterCapital’s representative in Nigeria
Phone: +2347036309859

Funmilayo Ransome-Kuti: The de-facto Iyalode of Egbaland

Funmilayo Ransome-Kuti, original name Frances Abigail Olufunmilayo Thomas, also called Funmilayo Anikulapo-Kuti, (born October 25, 1900, Abeokuta, Egbaland [now in Nigeria]—died Lagos, Nigeria), Nigerian feminist and political leader who was the leading advocate of women’s rights in her country during the first half of the 20th century.

Her parents were Christians of Yoruba descent. She was the first female student at the Abeokuta Grammar School (a secondary school), which she attended from 1914 to 1917. After teaching briefly at the school, she studied in England (1919–23), where she dropped her English names and shortened her Yoruba name to Funmilayo. Having resumed teaching at Abeokuta, she married Israel Oludotun Ransome-Kuti, an Anglican clergyman and teacher, in 1925.

In 1932, when her husband became principal of the Abeokuta school, she helped organize the Abeokuta Ladies Club (ALC), initially a civic and charitable group of mostly Western-educated Christian women. The organization gradually became more political and feminist in its orientation, and in 1944 it formally admitted market women (women vendors in Abeokuta’s open-air markets), who were generally impoverished, illiterate, and exploited by colonial authorities. In 1946 the ALC changed its name to the Abeokuta Women’s Union (AWU) and opened its membership to all women in Abeokuta. Ransome-Kuti became the first president of the AWU (1946) and headed its successor organizations until her death. Under her leadership the AWU became a national organization, renaming itself the Nigerian Women’s Union (NWU) in 1949 and the Federation of Nigerian Women’s Societies (FNWS) in 1953.

The AWU initially campaigned against price controls, which drastically limited the incomes of market women, and for fair treatment of market women by the government. It also protested a special tax on women imposed by the local ruler, Sir Ladapo Ademola II. From 1947 the organization led large demonstrations against Ademola’s government, which led to his temporary abdication in 1949. The broader goals of the AWU included greater educational opportunities for women and girls, the enforcement of sanitary regulations, and the provision of health care and other social services for women. Ransome-Kuti pursued these initiatives with the intention of raising living standards for women and ultimately eliminating the causes of poverty.

Ransome-Kuti served several terms on the local council of Abeokuta between 1949 and 1960. In 1951 she ran unsuccessfully for a seat in the regional assembly as the candidate of the National Council of Nigeria and the Cameroons (NCNC), which she had helped found in 1944. In 1953 the FNWS became affiliated with the Women’s International Democratic Federation, and Ransome-Kuti was elected a vice president of the organization. She subsequently lectured in several countries on the conditions of Nigerian women. After the NCNC rejected her bid for a second candidacy for the assembly in 1959, she ran as an independent, which split the NCNC vote and ensured the opposing party’s victory. She was subsequently expelled from the NCNC and formed her own party, the Commoners’ People’s Party, which was disbanded one year later. By this time her political influence in Nigeria and her following among women in Abeokuta had declined significantly.

In the early 1970s she changed her surname to Anikulapo-Kuti to further identify herself with Yoruba culture, thereby following the example of her son, Fela Anikulapo-Kuti, a popular musician and a fierce critic of Nigeria’s military governments from the 1960s. In 1977 some 1,000 soldiers stormed the family property in Lagos, which Fela had transformed into a commune that he called the Kalakuta Republic. During the assault, soldiers dragged Funmilayo by her hair and threw her out a second-story window. She died of complications from her injuries the following year.

Source: Encyclopaedia Britannica

Farmcrowdy has raised additional seed funding of US$1 million as it prepares to broaden its offering

Farmcrowdy, Nigeria’s first and leading digital agriculture platform which allows Nigerians to invest in agriculture, today announced that it has closed on additional seed funding of $1 million. This follows on from the company’s initial investments of $1 million in 2017. International investors Cox Enterprises and Techstars, along with local investor Ajayi Solutions have participated in the round as the startup prepares for an upcoming Series A fundraise later in 2019.

Farmcrowdy will use the investment to continue building their award-winning model, whilst expanding across Nigeria to cover 50% of all 36 states in the country over the next 12 months.

Today, the company has also announced the launch of the Farmcrowdy Group, which will support the startup’s mandate of building agritech solutions that enable the achievement of food security on the continent of Africa.

Pioneers of digital agriculture in Nigeria since 2016 and with a team of 50, Farmcrowdy has empowered over 12,000 farmers across 14 states in the Nigeria, reared close to 2,000,000 broiler birds as part of its poultry farm cycles and cultivated over 16,000 acres of farmland with over 35,000 farm units sold to date. With farm sponsors in Nigeria and across the diaspora, Farmcrowdy is effectively growing a community model that is set to continue the empowerment of local farmers and facilitate food production in Nigeria and eventually across Africa.

Onyeka Akumah, Founder and CEO of Farmcrowdy says “Today’s announcement of this additional funding, marks another milestone for us as we amplify our presence in the country and explore new opportunities. We are delving into the possibility of utilising drone services for field analysis, improving our farmers yield with additional research and 3D mapping, as well as entering into formidable strategic partnerships that will grow the impact of our work. We’re continually grateful that we have a group of investors who share and support our vision as much as we do. It is a great source of motivation for the entire team as we look to the next phase of growth as a company.”

In a bid to improve the management of Farmcrowdy’s farmers and farm operations, the startup has also launched the Farmcrowdy TFS App, available to its Technical Field Specialists that will aid in better profiling farmers, managing inventory, as well as data collection and analysis from existing farmers.

According to Cody Simms, a Partner at Techstars who did a follow-on investment in this round of funding after their previous investment, said, “Techstars has been deeply impressed by Farmcrowdy’s mission to end poverty in Africa one farmer at a time since we first invested in the company in 2017 as part of Techstars Atlanta in partnership with Cox Enterprises. We are excited about the continued growth of the Farmcrowdy platform and thrilled to continue our support of the business with the most recent financing.”

For almost two and a half years, Farmcrowdy continues to inspire a renewed interest in farming across generations. In order to better serve the startup’s existing farm sponsors and attract new sponsors to the platform, the startup is in the process of upgrading the Farmcrowdy app to optimise user experience which currently has 90,000+ users and farm followers.

Water Crisis in Africa Cities

Cities and towns in several other African nations including Mozambique, Zimbabwe and Ivory Coast have been plagued by similar water shortages in recent months, manifestations of a global supply squeeze brought on by drought, population growth, urbanization and insufficient investment in dams and other infrastructure.

Water use has risen about 1 percent a year since the 1980s and more than 2 billion people now live in countries experiencing high water stress, the United Nations said in its World Water Development Report released in Geneva on Tuesday. It projects demand will grow as much as 30 percent by 2050.

Financing Gap

The scourge is set to become exponentially worse in Africa — the UN expects the population of the world’s poorest continent to almost double to 2.5 billion by 2050, and that 59 percent will reside in urban areas by then, up from 43 percent now. A massive increase in agricultural production will be required to feed everyone, compounding the pressures caused by surging household demand for water.

Even nations with plentiful water resources may be unable to build sufficient dams, pipelines, pumping stations and purification plants to ensure adequate supply.

A study published by the African Development Bank last year found the continent needs to spend at least $130 billion to address an infrastructure backlog, including as much as $66 billion on providing universal access to water and sanitation, but faces a financing gap of $68 billion to $108 billion.

Large up-front investments, short-term political considerations and government-borrowing constraints impede infrastructure construction, with the problem particularly acute in Africa, according to the Global Infrastructure Hub, which was set up by the Group of 20 developed nations to promote development. The benefits the projects deliver to society at large may also outstrip the returns operators earn on them, a likely deterrent to private investment, it said.

Crumbling infrastructure has compounded the effect of a crippling drought in cash-strapped Zimbabwe, resulting in water rationing in its two largest cities, Harare and Bulawayo. In Maputo, Mozambique’s capital, supply has been cut off on alternating days since January after dam levels fell to less than a quarter of their capacity.

Taps in Cape Town, South Africa’s tourist mecca, came close to running dry last year before good winter rains brought respite from the region’s worst drought on record. The nightmare of running out of water became a reality last year in Bouake, Ivory Coast’s second-largest city, when rains failed. The government was forced to use tankers to truck in emergency supplies, while thousands of people temporarily relocated.

Water shortages in Accra, which mostly gets regular rainfall, are mainly attributed to its inadequate and poorly maintained pipes, pumping stations and purification plants. About 4.9 million people live in the city and its surrounds, including the port city of Tema.

Two-Year Outage

Joyce Ayitey, 42, who sells plastic cups, tissues and sweets from a wooden stall in front of the home she shares with her husband and three daughters in Diabolo in the eastern part of city, has experienced the extremity of the problem. When her taps ran dry more than two years ago, the water utility company blamed road builders who destroyed its main pipelines and said the outage would be addressed within weeks, but nothing was done.

“We don’t have the money to buy bulk water from tankers so we walk almost every day to buy water and carry it on our heads for use,” she said. “The water fetching is so tiring. We always wish for rain so we can harvest every drop for storage. It gives us such huge respite.’’

Ghana Water Co., the state-owned utility, is aware that some Accra neighborhoods have erratic water supply or are struggling with low pressure, but faces an uphill battle to tackle the problems because new neighborhoods are being developed faster than it can provide the infrastructure, spokesman Stanley Martey said by phone.

Kabuki, the storekeeper, can no longer stomach being unable to flush her toilets when her stockpiled water runs out and has run out of patience with the authorities.

“You want to know how frustrating it is?” she asked. “It is very unpleasant and dehumanizing for me as a woman. I am actually planning to relocate to a house with a guaranteed water supply.”

Source: Bloomberg

Millionaire Before 30

“In a free-market economy, anyone can make as much money as they want,” emphasizes self-made millionaire Steve Siebold, who has also studied over 1,200 of the world’s wealthiest people.

That applies to 20-somethings.

To help you reach the seven-figure mark by 30, we rounded up 11 pieces of advice from people who became millionaires at a young age and people who have studied hundreds of self-made millionaires. We can’t guarantee millionaire status, but doing these things won’t hurt your odds:

1. Focus on earning

“In today’s economic environment you cannot save your way to millionaire status,” writes Grant Cardone, who went from broke and in debt at 21 to self-made millionaire by 30. “The first step is to focus on increasing your income in increments and repeating that.

“My income was $3,000 a month and nine years later it was $20,000 a month. Start following the money, and it will force you to control revenue and see opportunities.”

Earning more money is often easier said than done, but most people have options. Read about 50 ways to bring in additional income, some high-paying jobs you can do on the side, how you can earn passive income, and the first step to take before starting any business, from an entrepreneur who earns up to $170,000 a month.

2. Develop multiple streams of income
One way to earn more is to increase your streams of income.

In author Thomas C. Corley’s five-year study of self-made millionaires he found that many of them develop multiple streams of income: 65% had three streams, 45% had four streams, and 29% had five or more streams.

These additional streams include real-estate rentals, stock market investments, and part-ownership in a side business.

“Three streams of income seems to be the magic number for the self-made millionaires in my Rich Habits study, but the more income streams you can create in life, the more secure will your financial house be,” he writes.

3. Save to invest, don’t save to save

Writes Cardone:

“The only reason to save money is to invest it. Put your saved money into secured, sacred (untouchable) accounts. Never use these accounts for anything, not even an emergency. This will force you to continue to follow step one (increase income). To this day, at least twice a year, I am broke because I always invest my surpluses into ventures I cannot access.”

Investing is not as complicated or daunting as we make it out to be. The simplest starting point is to contribute to your 401(k) if your employer offers one, and take full advantage of your company’s 401(k) matchprogram — which is essentially free money — if it has one.

Next, consider contributing money toward a Roth IRA or traditional IRA, individual retirement accounts with different contribution limits and tax structures — which one you can use depends on your income. If you still have money left over, you can research low-cost index funds,which Warren Buffett recommends, and look into the online-investment platforms known as “robo-advisers.”

The key to consistently setting aside money is to make it automatic. That way, you’ll never even see the money you’re contributing and you’ll learn to live without it.

4. Be decisive

“Avoid decision fatigue,” writes Tucker Hughes, who became a millionaire by 22. “Attention is a finite daily resource and can be a bottleneck on productivity. No matter the mental stamina developed over time, there is always going to be a threshold where you break down and your remaining efforts for the day become suboptimal.

“Conserve your mental power by making easily reversible decisions as quickly as possible and aggressively planning recurring actions so you can execute simple tasks on autopilot. I know what I am wearing to work and eating for breakfast each day next week. Do you?”

Hughes isn’t the only one who believes in developing decisiveness. After studying over 500 millionaires, journalist and author Napoleon Hill found that they all shared this quality.

“Analysis of several hundred people who had accumulated fortunes well beyond the million dollar mark disclosed the fact that every one of them had the habit of reaching decisions promptly,” Hill wrote in his 1937 personal-finance classic “Think and Grow Rich.”

5. Don’t show off — show up

“I didn’t buy my first luxury watch or car until my businesses and investments were producing multiple secure flows of income,” writes Cardone. “I was still driving a Toyota Camry when I had become a millionaire. Be known for your work ethic, not the trinkets that you buy.”

Need inspiration to save more and spend less? Read up on tips and strategies from regular people who saved enough of their incomes to retire before 40.

6. Change your mindset about money

“Getting rich begins with the way you think and what you believe about making money,” self-made millionaire Steve Siebold explains.

At the end of the day, “The secret has always been the same: thinking,” he emphasizes. While the masses believe becoming wealthy is out of their control, rich people know that making money is really an inside job.”

7. Invest in yourself

“The safest investment I’ve ever made is in my future,” writes Hughes. “Read at least 30 minutes a day, listen to relevant podcasts while driving and seek out mentors vigorously. You don’t just need to be a master in your field, you need to be a well-rounded genius capable of talking about any subject whether it is financial, political or sports related. Consume knowledge like air and put your pursuit of learning above all else.”

Many modern-day successful and wealthy people are voracious readers. Take Warren Buffett, for example, who estimates that 80% of his working day is dedicated to reading.

8. Ditch the steady paycheck
Rich people are typically self-employed and determine the size of their own paycheck, Siebold writes:

“It’s not that there aren’t world-class performers who punch a time clock for a paycheck, but for most this is the slowest path to prosperity, promoted as the safest. The great ones know self-employment is the fastest road to wealth.”

While the world-class continue starting businesses and building fortunes, average people settle for steady paychecks and miss out on the opportunity to accumulate great wealth.

“The masses almost guarantee themselves a life of financial mediocrity by staying in a job with a modest salary and yearly pay raises,” Siebold says.

9. Set goals and visualize achieving them

If you want to make more money, you have to have a clear goal and then a specific plan for how to achieve that goal. Money won’t just appear — you have to work at it.

Rich people choose to commit to attaining wealth. It takes focus, courage, knowledge, and a lot of effort, self-made millionaire T. Harv Eker emphasizes, and it’s possible if you have precise goals and a clear vision: “The number one reason most people don’t get what they want is that they don’t know what they want. Rich people are totally clear that they want wealth.”

10. Start hanging out with people you admire

Andrew Carnegie, who started with nothing before becoming the richest man in the US, credits all of his riches to one principle: the Master Mind.

The idea is to surround yourself with talented people who share your vision, because the alignment of several smart and creative minds is exponentially more powerful than just one.

Plus, we become like the people we associate with, which is why the rich tend to associate with others who are rich.

“In most cases, your net worth mirrors the level of your closest friends,”explains Siebold. “Exposure to people who are more successful than you are has the potential to expand your thinking and catapult your income. The reality is, millionaires think differently from the middle class about money, and there’s much to be gained by being in their presence.”

11. Shoot for $10 million, not $1 million

“The single biggest financial mistake I’ve made was not thinking big enough,” writes Cardone. “I encourage you to go for more than a million. There is no shortage of money on this planet, only a shortage of people thinking big enough.”

Data source: Insider

Speak Like a Pro

Have you ever wondered what the biggest fear is for most people?
You’re probably thinking that it might be fearing heights, snakes, small spaces, deep water, loneliness, or even death. However, according to Toastmasters International for Public Speaking and Leadership Education, number one fear is Public Speaking. Exactly, public speaking comes on the top of the list of fears, even before death.
 

If not properly handled, public speaking fear can result into a serious phobia named Glossophobia or speech anxiety, which has symptoms similar to nausea, dry mouth, breathing difficulty, increased blood pressure, and feelings of distress or panic under some circumstances.

Whether you are a job seeker, a student, a lecturer, a manager, or other, there comes a time when you need to speak in front of strangers to present your idea in an impressive way that demonstrates knowledge, self-confidence, and uniqueness, which leads to reaching your goals and experiencing the joyful moments of success.

The first time you say something, it’s heard; the second time, it’s recognized; the third time, it’s learned, as per John Maxwell (author and speaker, who has written many books, primarily focusing on leadership).

As per Dale Carnegie, only the prepared speaker deserves to be confident.

The good news is that public speaking is a skill that can be acquired and developed. 

Below are most of the helpful public speaking tips I’ve learned from hands-on experience, researches by Washington and Harvard Universities, Dale Carnegie, John Maxwell, Brian Tracy, and other public speakers and leaders.

I personally tried them, and they helped me to successfully speak on important meetings, interviews, events, sessions, and have better social interactions. They work like magic if you’re giving a presentation. Try them, and simply speak like a Pro. 

Public Speaking Tips

  1. Prepare a rich, organized, and meaningful content.
  2. Use visuals during your presentation (e.g. posters, charts, PowerPoint presentation).
  3. Make sure your presentation have 3 main parts: Opening, body, and closing.
  4. Let your personality shine through: Be honest, unique, cheerful, open, and confident.
  5. Show passion and enthusiasm about what you present.
  6. Practice your presentation with colleagues, friends, or family, and get their feedbacks.
  7. Record your presentation for self-analysis: You can simply practice in front of the mirror, or shoot a video using a smartphone.
  8. Arrange the location before the presentation: Make it comfortable, clean, and neat.
  9. Smile.        
  10. Breathe.
  11. Focus on delivering your message, not on how you feel.
  12. Make eye contact with your audience.
  13. Consider a short icebreaker related to the topic of your presentation (e.g. question, short story, quote).
  14. Give a warm welcome, and remember to introduce yourself.
  15. Thank your audience for coming.
  16. Clarify your topic and objectives at the beginning.
  17. Provide your audience with the roadmap of your presentation at the beginning.
  18. Use a clear voice.
  19. Use intonation (different tones of your voice).
  20. Use hand gestures naturally.
  21. Maintain good posture of your body.
  22. Occasionally, move from one spot to another with a purpose (e.g. to get closer to your audience, or make a movement fitting with what you’re saying).
  23. Allow questions, and assign them a specific and limited time period.
  24. Listen attentively before responding to questions.
  25. Talk at a natural pace (not too fast, not too slow).
  26. Speak to the knowledge level of your audience.
  27. Talk to your audience and ask questions to keep them engaged.
  28. Encourage interactions between audience members.
  29. Involve your audience in small activities related to your presentation.
  30. Make your audience laugh from time to another.
  31. Create surprises and suspense.
  32. Give examples, tell stories, or share real-life experiences.
  33. Conclude with a strong ending.
  34. Summarize key points at the end.
  35. Thank your audience at the end.



Web Development Business for Start-ups

Internet reaches a large audience and is employed to publish personal and skilled info with some participating user experience. Web development or setting up a website or bewitching web application and hosting it on the web has become easier through the employment of leading edge technology. The technology is utilised by the website developers as well because of the finish users for up the general web expertise. This trend may be seen clearly as additional of websites are being denoted on-line. The internet may be simply distinguished from different standard technologies such as TV and radio because the web provides an ample house to the user for personification with a vast scope for extending their power and reaching out to a sizeable amount of public audiences.

1.Connected World
The Internet may be seen as a group with a large selection with a frequent mixture of personal and skilled web spaces. The web was meant to be a platform for transmitting information to the plenty at the time of its birth. However, currently, it’s an area where the users connect around the world, interact, and communicate themselves through internet sites and web applications. These days even the companies run on-line with their online productivity overshadowing their universe productivity. The online has become an irreducible marketplace for folks to shop for and sell every kind of product and services.

2.Developing Another Web Application

Web development life cycle starts with the origination of a concept for having an online application that will the business process for the individual or the corporate. The ideas are revised and reevaluated before going any and determinant the scope and necessities of the online application. On specifying the business necessities the businesses move a step ahead in beginning with the particular web application development. Web development could be a specialised space of labour that involves an understanding of the online development technologies and every one different connected processes. Web developers don’t mechanically manufacture a fine web site on demand. They have to be communicated and created to know the precise expectations of the online application. On learning the options and functionalities of the internet application the web developers build an exact web application and deploy it online for the quicker business process.

3.The Programming Languages

The web development technology is in itself a group of technologies and programming languages that are accustomed to produce and run a computer virus. Custom web application development company to be learned by the website developers are hypertext mark-up language, XML, Flash, Perl, CSS et al. A computer language could be thanks to communicating to the computer by the user to the method the output in accordance with the required logic. web application development is way quite simply writing computer programs in specific programming languages and running the program to urge the required outputs.

4.Public usage of the web

Cutting-edge technology these days permits the tip used to develop a totally useful website and publish info online.
There are several content management systems like Joomla, Drupal, and WordPress that facilitate the users get a private and skilled website.
They manage it free from all the inner development hassles.
Though, the technical personnel are perpetually known as up to troubleshoot issues encountered by the users.

Talking of web applications there’s perpetually a mention of quick applications that improve the user expertise by the process the output fleetly and presenting it while not the requirement of refreshing the website. Such client-server web applications are known as Rich Internet Applications (RIA) and are engineered victimisation web development technologies love Adobe Flex, Microsoft Silver light, and mythical being with server-side scripting languages like ASP.NET, PHP, Ruby, and others.

All the made web applications are bewitching and supply an attractive interactivity to the users. A typical RIA could be a web-based application that runs on the consumer browser and synchronises information with the server info whereas functioning as standard desktop-based mostly software. thus the users get desktop-like options and functionalities from the online.