Tuesday, 31 May 2016

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4 Ways To Avoid Being Broke


In today’s world, we are now running faster than ever to be able to make more every hour. We compete with the people next to us and people on the opposite end of the continent to make our mark and to make our living.
However, as the number of millionaires increases, the number of people reaching bankruptcy and being broke is ultimately increasing too. News of the once rich and famous going broke often pops up in the Financial Report.
How can you avoid the mistakes of the once rich who’ve gone broke? Here are some common-sense tips to help you avoid being broke.

1. Don’t purchase what you can’t afford just to impress.

These days, we are all looking to impress. Looking less is unacceptable in certain parts of the world. While some believe beauty is found within, others believe that beauty is in the Prada you wear and the sports car you drive. So, to impress those who really don’t matter, we spend our paychecks in a department store.
Take this lesson from history: one should never spend beyond their means. If you can’t afford it, then find alternatives according to your means. This is a survival mechanism which allows you to save and prevents you from going into debt. Getting away from your need to impress is a great way to avoid excessive spending.

2. Freeze your credit cards in your freezer.

The trend these days, instead of carrying cash, is carrying different cards from different banks with different interests in your purse or wallet. You swipe at every single purchase with your mind on your purchase and ignore the bills you’ve been racking up. According to research, one of the biggest reasons for an individual to be broke is overspending on multiple credit cards.
Running away and changing your identity is one option, while another is to declare bankruptcy. To avoid either of these, try going old school and carrying cash instead. This limits what you can spend in the moment. If the temptation of using your credit cards is too great, try freezing them in ice in your freezer. This adds another obstacle between you and your next charge.

3. Invest smartly, not impulsively.

Investing is a great way to make money and protect your assets. However, we aren’t all experts in investing. We may be great moneymakers, but the talent of wise investing doesn’t come to us all. Investing emotionally is the same as gambling — we gamble impulsively, hence we lose big or win big.
As a precaution, always have an advisor who is trustworthy and an expert on investing either in real estate or stock markets. However, research on your part is also important. It will give you the confidence and knowledge you need to make smart investments. After some time, you will be used to investing and your experience will be your greatest advisor.
Concept of investment with eggs in the same basket.

4. Focus on diversifying your assets.

In the dating world, we are often told to focus on differences rather than similarities. Why? Because it gives us the confidence to secure our emotional selves. Why not act the same way with your assets?
In the 2000s, the “Get Rich Quick” scheme was on the rise. Many went broke when they invested all their assets in one scheme. History teaches us to never leave all our eggs in one basket. This is an important lesson when it comes to investing.
Investigate how you can expand your assets and diversify your investments in different markets and different sectors. Read books to help you understand how you can best go about diversifying your assets.
Thinking about finances is always uncomfortable and spending is always tempting. However, in today’s world, your assets and your bank balance will give you a sense of security, while extravagant spending may leave you at the bottom of the barrel.
Featured photo credit: VIKTOR HANACEK via

Natural Ways to Fight Depression


According to the World Health Organization (WHO), some 350 million people suffer from depression all over the world, making it a problem of truly global proportions.  Depression comes with an array of difficult signs and symptoms, including feelings of hopelessness or despair, physical pain, fatigue, problems with eating and sleeping and sometimes even thoughts or attempts at suicide.
The good news is, however, that along with medication and counselling, there are a lot of natural lifestyle choices you can make to help support your journey back to good mental health. Most of them are so simple that they might surprise you!

Regular Exercise

This can be a difficult lifestyle choice to make because of the fatigue that depression can bring with it, but if you can manage it, regular and gentle exercise can support your emotional health. This is because physical activity release endorphins, natural “feel good” hormones that can help raise your mood levels naturally. Regular exercise can also combat stress, with frequently goes along with depression.

Stress Management

Stress — and in the inability to cope with stress — is often an underlying cause of depression or can at least make the problem worse.  So taking up a stress-busting exercise like yoga or tai chi or learning how to meditate can help to deal with these feelings of anxiety and make them easier to cope with in healthy ways.

A Healthy Diet

Many people with depression will tend to either over- or under-eat, leading to problems with weight.  However, a healthy, balanced diet with good portions of foods throughout the day can help you cope with depression by keeping your blood sugars balanced and your energy level steady; it will also help you to get the vitamins and minerals you need to keep your nervous system (including your brain) healthy.

Natural Supplements

There are also plenty of herbs and supplements out there that can also help you conquer your depression.  One of them is fish oil supplements; it has been found that the omega-3 fatty acids in the oil support the health and balance of the nervous system. Another one is St. John’s Wort, which is thought to help depression by increasing levels of serotonin, a “feel good” hormone in the brain. However, you should talk to your doctor before beginning any supplement to make sure it will not react with medications you are already taking.

Social Time

One of the hardest parts of depression is how lonely and isolated it can make you feel. So even if you don’t always feel like it, get out and socialize and allow the support and love of your friends and family to get you through the tough times.  Support groups, friends, people from your church or other place of worship can all play a role in giving you the emotional strength you need as you work to get well.


If you are fighting a battle with depression, the importance of getting a good night’s sleep (ideally between 7 and 8 hours a night) cannot be over-emphasized. Sleep deprivation can make feelings of depression — as well as stress and anxiety — much worse and can put a strain on your nervous system and brain. However, make sure not to oversleep, which can be a struggle for some people who suffer from depression.
The takeaway here is that if you are battling depression, you are not alone — and you can also be empowered to make the lifestyle changes that will help you overcome with problem.  A healthy, balanced diet, sleep, stress management, supplements and the support of friends and loved ones can all combine to make your journey more successful and to complement your medications and counselling.

5 Ways to Lose Fats Safely During Your 40s

lose fats safely

What happens when you reach your 40s? Unfortunately, your metabolism starts to slow down as early as mid to late thirties. By the time when you reach forty years old, don’t be surprised when it becomes harder to lose fats. This explains individuals in their forties who suddenly became overweight. Don’t be surprised if it becomes harder to burn calories naturally. In fact, if you don’t use a smart approach in weight and fat loss, you may end up becoming unhealthy.

So how exactly are you supposed to lose fats safely at this point? Here are five strategies that you can use to lose fats when you reach your 40s.

1. Sleep at least 8 hours daily
One of the most common mistakes of people trying to lose weight is to skip sleep. From working late to waking up early to prepare meals for the work ahead, a lot of people in their 40s lack quality sleep.

What they don’t know is that you lose a lot of calories when you sleep. For a 160 pound individual, you will lose approximately 69 calories per hour when you are sleeping. Aside from burning calories at night, sleep also helps repair the body. Consequently, this could enable the body to burn more calories during daytime.

Keep in mind though that not all night time and day time snooze are created equal. If you feel stressed going to sleep, expect cortisol to shoot up making your metabolism to slow down.

2. Prepare your meals days ahead
It is important that you prepare your meals days ahead of time. One of the most common problems encountered by people living fast paced lives is to simply eat anywhere. This can be a problem especially when you want to watch your diet.

What you can do is to prepare the meals ahead of time. This way, you can easily count the calories and be sure that what you eat is actually healthy. You can prepare your meals every three days. Make sure that it has the proper balance of carbohydrates, protein and fats to give your body the nutrition it needs.

3. Have a food diary
For someone in their forties, it is important to always monitor what you eat. From the soda that you drank to that chocolate that you decided to eat, these are things that accumulate. Also, aside from additional calories, these are also habits that you make. With a food diary, you will be able to determine the situations that make you eat unhealthy foods. What you can do is to determine ways on how to avoid these situations and even find healthier alternatives.

4. Use the right supplements at the right time
Another effective means to lose fats safely is to use the right type of supplement at the right time. Eating clean is a good way to lose fats, but when you are already in your forties, you want to maximize every opportunity that you have. One of which is having the right kind of supplement that can give you that edge.

For instance, you could invest on whey powders, creatine and even branched chain amino acids to build muscle mass and to spike your metabolic rate. You can also try other health supplements such as conjugated linoleic acid which can significantly boost weight loss. However, before you even attempt to invest on any supplements, make sure that it is FDA recommended.

5. Mix your workouts
There are instances when it is not only how hard you work, but how smart you do your workouts. One common mistake of people in their 40s is to keep on repeating the same workouts over and over again. Not only does it become boring, it can also decrease the amount of calories you burn.

To maximize your time at the gym, you want to mix your workouts every three weeks. This way, you lose fats more efficiently. It is also important to stick to large muscle groups to burn more calories in the process.

If you ever wondered how to lose fats safely when you are in your 40s, keep in mind that your metabolism isn’t that fast anymore. It is important to take calculated steps on what you eat and even how you rest. If you just want to optimize results, follow these simple steps, and you will see massive difference.

Set a goal for you

Seyi Sodimu remixes his classic tune “Love me Jeje” featuring AmericanR&B sensation, K. Michelle.

Seyi Sodimu releases the remix of his hit single “Love me jeje” featuring American R&B sensation K. Michelle. The song which was previously released years back, was a monster hit and helped launch his career.

The collaboration, which was released on May 30th 2016 (on ItunesMTN music plus, Youtube, MTV Base Africa, Trace AfricaETC.), was produced and recorded in Atlanta, Georgia by SHIZZI (Magic-fingers) and the video was also shot in Atlanta by Sesan Ogunro of Film Factory. The A&R for the project was done by Bankulli and additional vocals by Password and Duzzi. Live Guitar  by Fioke and special thanks to Eric Cire.

Seyi Sodimu (also known as Mr. Jeje) is widely known for his hit singlesLove me Jeje and Money ManHe is also considered one of the pioneers of the new sound of the ever-growing Nigerian Music Industry of fusing native languages with English lyrics.Seyi is an international artist who has performed at the prestigious Press Club in Washington DC, performed alongside Wyclef Jean, worked with Ginuwine, and collaborated with reggae star Wayne Wonder and many more. 

The classic song has been completely reproduced with a new verse written for K. Michelle in an effort to perfectly marry R&B and Afro Soul, which proved to be perfectly successful. Seyi Sodimu, who founded the independent label Goodlife Entertainment in 2001, is working on his fourth album, which is due for release later this year under the label.  

Mtn music plus Link -  

Angelina Jolie to teach at London School of Economics

Hollywood actress, Angelina Jolie is to join the London School of Economics (LSE) as a visiting professor on a new masters course on women, peace and security, the school announced on Monday. 

Angelina Jolie , Special envoy of the UN High Commissioner for Refugees Angelina Jolie , Special envoy of the UN High Commissioner for Refugees

The LSE said the course which begins in 2017, is the first of its kind globally and will be run by the LSE Centre for Women, Peace and Security. The body was inaugurated last year by Jolie and Britain’s former foreign Secretary, William Hague.

 “It is vital that we broaden the discussion on how to advance women’s rights, and end impunity for crimes that disproportionately affect women, such as sexual violence in conflict,” Jolie, a Special Envoy for the U.N. Refugee Agency (UNHCR) said in a statement. “I am looking forward to teaching and to learning from the students, as well as to sharing my own experiences of working alongside governments and the United Nations.” Hague will also be joining LSE as a visiting professor. 

The Oscar-winning actress and Hague had become an unlikely double-act on campaigning to end sexual violence against women in conflict. The partnership was sparked by Jolie’s 2011 directorial debut “In the Land of Blood and Honey” that was set against the backdrop of the 1992 to 1995 Bosnian war. 

An estimated 20,000 women were believed to have been raped in the conflict that raged in the Balkans in the early `90s. The pair co-founded the Preventing Sexual Violence in Conflict Initiative in 2012 to rally global action on such crimes, increase the numbers of perpetrators brought to justice and ensure better support for survivors. 

They co-hosted the first global conference on the issue in London in 2014. Hague said the new course would help underpin their work by developing research to help tackle the culture of impunity.

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Monday, 30 May 2016

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'Shark Tank' entrepreneur Daymond John explains why being broke was key to his success

Daymond JohnINCDaymond John.
I was starving all the time. I lived in one room, had one futon and had a three inch screen on the floor next to the futon. But the TV didn't work because you needed cable and I couldn't afford that.
So I started a business. Many people think, "I have an idea" and then they want to raise $10,000,000 or something outrageous.
I didn't have any ideas. But I was good at this new thing, the Internet, and I convinced people they needed to build websites.
Was I right or wrong: Does a company need a website?
Who knew back then. Nobody knew.
But I was broke and hungry and wanted money to purchase some small piece of freedom so I could do what I loved — write.
So I sold the few skills I had to masters who would pay me and I got to work.
Which is why I was excited to read Daymond John's book (founder of FUBU and $6 billion in sales later, a star from the ABC show "Shark Tank" along with Mark Cuban, Barbara Corcoran, etc) — "The Power of Broke".
Daymond came on my podcast. He told me first about a time when he was no longer broke and why NOT being broke got him in trouble.
I started a record label, he said. We made the fanciest videos, the best ads, we got the best artists, we made an album.
We spent $3 million on ads and videos and we sold $1 million worth of records.
This reminded me, he said, about how I should always get back to that feeling of being broke. That feeling of taking care of risk, of struggling to maximize every strength. That feeling of hustle that puts you back on the street.
He got the entrepreneurial bug when his mom taught him how to sew wool caps and he sewed 80 of them out of fabric he bought for almost nothing and sold them for $10 each and made $800.
"Did you go back the next day and sew more?" I asked him.
"No," he said and he paused, "I went back THE NEXT HOUR and sewed more."
Within a few years his FUBU line had $350 million in sales. Within a decade or so he had sold $6 billion worth of clothes.
Gus Ruelas/Reuters
In his book he tells story after story of people who went from broke to wealth.
"People always say you need money to make money," he said to me. "This is wrong. If it were true why would half the Forbes 500 of the richest people in the world start with nothing?"
"In fact if I had ZERO money when I started that record label, it probably would've worked. Instead, I went in there with the wrong mindset and I failed. I wasn't hungry enough."
We talked for an hour. He told me lots of stories from the book.
I was trying to write down notes of what he said so could I learn. No matter how many businesses I've started and failed at (with a success here or there) I always want to learn more.
I took out the paper this morning and here is what I can read from what he said:


Find your community or your following. He talked about a teenager who had 15 million followers on Instagram and was now building a business around it. She's mentioned in his book.
He talked about himself. FUBU stands for "For us, By us". He sold clothes into the burgeoning hip-hop community that he had been so passionate about.


LL Cool J lived down the street but he didn't know him. So he showed up at his house every day and begged him to wear FUBU clothes.
Finally LL did, even wearing one on a Gap video and in the $30 million video said the phrase, "For us, by us" while wearing the cap.
"If I had millions of dollars, I would not have begged LL and slowly won him over. I probably would have just paid him and then lost him. Money would've cost me rather than having a mission around what I was doing. I had to get down and BEG LL until it worked."


Sometimes it means "other people's money" but sometimes it might mean "Other people's mistakes" or "Other people's momentum" (the way LL piggybacked FUBU on the momentum he had from The Gap ads).
Learn from other people, Mistakes, money, momentum, motivations, whatever it takes. Fill in the M.

Affordable Steps Forward

If you sell 800 hats, don't try to sell a million the next day. Sell 1000. Always take affordable steps forward so you aren't at risk of going out of business. "Don't take a $200,000 loan out on day one."
But I challenged him on that, which led to this.

Always Manage Risk

I said, "But your mom mortgaged her house to give you $100,000 for the business. How does that match up?"
He said, "Yeah, but I had an order for $300,000 from Macy's that I had to fill.
"As soon as I had the $100,000, I made the clothes, Macy's paid me, and I paid back the bank. I never would have taken out the loan without knowing in advance how I would pay it back."
Whenever I have loaned out money I don't think I've ever gotten paid back once. I guess this is why I have gone broke so many times.
People think entrepreneurs take risks. This is not true. Entrepreneurs want to make more money than they spend. Period.
This means ALL of the time is spent on managing risks and costs.
Sean Gallup/Getty Images


"We were out on the streets selling hats and every day we'd try new prices, new styles, new sizes. We'd see what would work and then double down on what worked and stop doing what didn't work."
Later on I asked him about some of the businesses he invested in with Shark Tank.
He told me the story of one company and how they would constantly do ads on Facebook for $100 to see what products people would click on. "We would do up to 5 ads simultaneously and we'd have ads running all of the time."
Whatever people clicked on, those are the products they would sell.
ABT — Always Be Testing.
We talked about jobs. How a job is like running a very small business with one source of revenue.
How the fact that people live paycheck to paycheck because that "personal business" is usually just breakeven or even loses money.
"Even when i was starting FUBU I had two different jobs. I had to make more money than I was spending or it wasn't worth it. We shut down FUBU twice during those first few years but people kept calling us back for bigger and bigger orders and then it was making money."
I asked him what he looked for in a company he invests in Shark Tank. He's put almost $8,000,000 into companies on Shark Tank.
"I look at the number of times the entrepreneur has failed," he said. "I don't want them to have their learning experiences on my dime."
"I have to like the person," he said.
This to me is the most important. I've invested in many companies and have had many failures and some successes.
The only successes were when I really liked the entrepreneur. And all of the failures came when I thought the idea was more important than the person.
I asked him, "I can relate to the 'Power of Broke — the grit, the hustle, and so on — but doesn't this glamorize being broke a bit? When I was broke, it was really painful. I felt like I would never get up again. Never live."
He said, "Being broke is temporary but poverty of mind is permanent. You have to avoid poverty of mind."
You can always learn from failures. Take affordable risks. Start fresh even stronger and get back to that hustle.
He said, "I apply the Power of Broke every single day of my life."
"I don't believe it," I said, "what did you today that was the Power of Broke?"
"Well," he said, "Today I wanted to promote my book as cheaply and powerfully as possible."
"What did you do?"
"I called you."
Read the original article on The Altucher Confidential. Copyright 2016.