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Thursday, 30 March 2017

Livolo Digital Touch Switch Fantastic For Living Rooms And Bedrooms


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Price :N15,000


SDIL are consultants to a leading procurement services, logistics services provider and Livolo’s representative in Nigeria and the entire West African regional market.
This Livolo switch is multi-functional, capable of dimmer control, remote control and touch control. Adopting IC intelligent chip, this switch is more sensitive on touch control.
The Livolo touch panel switch is easy to install, requiring same wiring as traditional switch, without extra wiring and battery, and it can replace the traditional switch directly.
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Once You Learn These 8 Hard Truths About Life, You'll Become Much Stronger




Life is many things. Life is beautiful and miraculous, and it’s wonderful. But there is one thing life isn’t: easy. There are times when this is more apparent than others. We don’t always make it any easier on ourselves either; we hold onto notions and habits and notions that are incorrect, ludicrous, or even harmful to us. We walk through life refusing to see simple truths because we’re worried they’ll be too hard to bare, without realizing that accepting them will actually make every day much easier and much more joyful. William Beteet’s list[1] describes perfectly some difficult truths that we need to learn to accept.

1. Everyone You Love is Going to Die

Grim as this may sound, realizing that eventually you and everyone you know won’t be around forever will enrich and deepen your relationships. So many people take their loved ones for granted and feel an unrelenting sense of regret when they’re gone. Parents, grandparents, friends — we never know when we may find out that they’re no longer with us. Have you called your parents lately? Call them now. Our relationships are the most meaningful things we have in life and should be cherished.
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2. We Give Our Lives Meaning

Buddhists believe that we create our own world with our thoughts and actions. Having a meaningful life, then, is a choice. We don’t have to go out and join the peace corps or end world hunger to have a meaningful life; a bagger at the grocery store can feel just as fulfilled as the CEO of a major company. Often times, we’re too focused on what we don’t have and what we want and this makes our lives feel empty no matter how much we’ve achieved.
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3. The Perfect Partner Doesn’t Exist

Many people dream of the perfect romance and a partner that will sweep us off of our feet and into the sunset of an eternally happy ever after. In fact, most of us are probably guilty of daydreaming about our “perfect match” sometimes. But how can it affect our real relationships when our partners don’t meet our picture perfect dreams? This doesn’t mean we should settle for someone we’re miserable with, but it does mean that we should always expect to put work into a relationship. Think of it as an artistic masterpiece; you and your partner are the tools and you have to work together to make the canvas beautiful. We can be happy and fulfilled in a relationship, but not if we expect the canvas to paint itself! Check out the article below. It highlights some key things and the basic line for a fulfilling relationship. After learning these, you’ll be less likely to go overboard.
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4. Life Is A Game

Why should we walk on eggshells our entire lives, worried about getting something terribly wrong? This life is ours to learn from and experience. We should think of it as a game; decide what it is we want to do in life, learn the rules, and level up. We can never achieve anything or be successful if we’re too afraid to play. Have you ever heard of someone becoming a pro football player without ever setting foot on a field?

5. Everything Ends

This is a lot like the first only it may be a little harder to hear. Nothing lasts forever. We’ll only be young for a little while and then we’ll be old. We’ll fall in love, we’ll fall out of love, or lose the ones we love. We’ll live and then we’ll die. So many people before us have lived, loved, succeeded, failed, and died. We need to remember that we aren’t any different. Rather than being depressed by this, however, we can feel grateful, excited, and even empowered in this life. If things lasted forever, what would make them special? Time and endings make things valuable. We need to appreciate everything.

6. Be Romantic About The Little Things

Since we know now that everything comes to an end, we also know that we need to love everything we can in life. Things can become so mundane when placed into the mundane mind of someone viewing life as “the daily grind.”  Things are beautiful when we take a moment to let it be so, though. Take a different route to work or school, lie down in the grass and watch the clouds, and look up at the stars. Be romantic and the world will always feel magical. Take a day off from the stress and enjoy life! The article below highlights some good ways to slow down and enjoy the end of your week.
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7. Be A Realist About The Big Things

Even though we shouldn’t take life too seriously, it’s important that we don’t let our right brain reign all hours of the day. There are some things in life we just need our more analytical mind for. For example, those of us wanting to become famous authors can’t just write some words and then find that, BOOM, we’re a best seller! No. We have to take the appropriate steps to edit, promote, and publish our work. Most things worth doing take time and energy. Basically, everyone has to use their head sometimes. Take a look at this  article for some tips on using your head to get things done.
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8. Figure Out A Way Or Don’t Complain

Almost everyone has met someone who does nothing but complain about how his or her life isn’t turning out the way they like it. We either tune it out or feel frustrated with them. We think why don’t they just change it if they don’t like it? But, if we’re honest with ourselves, we realize that we’re not always much better. “That teacher is too picky, her tests don’t make sense.” “I just can’t learn how to do that, I have a condition.”The truth is that complaints rarely change anything and more often than not, they hold us back. We need to be proactive and positive. We need to believe that we can figure out a way. Otherwise, we can keep our complaints to ourselves.
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Fatoyinbo Olumide Caleb: Create a Life Plan You Can Be Proud Of


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We all know that in the business world, to have a successful business, there must be a fascinating business plan. Also, to be successful, lead a fulfilling life, and a person of influence, there must be a successful life plan. This applies to everyone who wants to be noticed in life.
One of the best things you can spend your time on is writing and living out your life plan. Most people live without having a plan. They fight another man’s fight, and embark on another man’s journey… throughout their life.By life plan I’m talking about a 40 – 50 page of business plan. A life plan is the general summary of where you are right now, where you would like to be, what you want your future to look like, what you want to improve about your life.
Don’t be scared, creating a life plan is not difficult at all, and doesn’t require a long process. A life plan tends to structure our life from how it is to how it ought to be.
Here are practical tips to help you create a life plan you can be proud of and live your dreams.
Get your priorities right
Prioritising helps us get things right; it helps you do the right things at the right time. It gives your life a price tag. The price tag you put on your life will determine how serious and successful your life would appear.
Prioritising will help you know the way to go, in order to get to where you want to be in life. Your priorities help you get clarity for existence. To create a life plan, you’ve got to make a wise decision to prioritize your life. Know what your priorities are.
I would like you to get a pen and a book, then ask yourself these questions;
• What and how would you like to be remembered when you are no longer here?
• What are your reasons for whatsoever you want in life?
• What is the most important thing in your life?
• What would like to accomplish in the next ten years, or in life?
• Who do you really want to be?
I want you to give answers to those questions in that book in your hand!
In getting your priorities right, the best place to begin with is at the end, which is imagining how your funeral would be, what would people who will attend your funeral say about the life you lived.
I know the most important thing you would like hear the people who would be at your funeral say is that: he changed the lives of thousands of people he came in contact with. Once you’ve considered these questions above and given answers to them, you then write down your priorities. Make a list of them. How would you prioritize your life? Do you have any price tag placed on you?
Get a vision for your life
The size of your dreams is very important, and has a lot do with creating a successful life plan; in fact a successful life plan revolves around vision. Thinking small is a sign of mediocrity.
What do you see about your future? You’ve got to see bigger pictures about your future and live beyond your now.
Vision is the mental picture of your life. If you cannot see the future you want now, you will never live the reality of it. Until you see a crown on your head, you will never live to wear one.
Vision is the picture of what you want to accomplish, or where you see yourself in five years, ten years or twenty years time. Vision is the core philosophy to accomplish what you want in life.
Vision reflects what you are passionate about. Vision helps you create a life plan on how to change your world. I want you to write a far reaching vision statement for your life. Let the picture you’ve captured be the driving force that would help you get to your final destination (The future you want).
Set goals for your life
Just as every business plan has set goals for achievement, so also you have to set goals to achieve what you want in life. It may be daily goals, weekly goals or monthly goals. But you must have what each day has to deliver; it takes a disciplined life to be distinguished.
These goals need to affect every areas of your life – Body, mind and soul. Things you want to achieve must be influenced by goals you’ve set for yourself. By doing that you know what each day has to deliver and work towards it to make it happen. The goals you’ve set will help you fulfill your dreams (vision) with a sense of urgency.
These set goals are steps that will help you stay on track and get you to your final destination which is fulfillment of your vision. These set goals will help you know what to achieve this year – what to achieve this month, what to achieve today. So, break those long-term goals into short-term goals to help you achieve your dreams.
Take action
Now you know what your priorities are, there is a vision for your life already. I know you’ve already set goals that will help you achieve your dreams but the best thing now is take action.
It is one thing to know where you are going and it is another thing to know how to get there. Having known where you want to be, you need to know how to get there. Action is the key. You need to execute your plans. Don’t wait until you are a perfect person before you launch out. Start now, because there is no perfect time. There are things you need to do to execute your plan.
Start building relationships. You need to know that you cannot succeed all alone without the help of others. You need some persons in your life. Look for positive people who will help you achieve your dreams and get connected to them.
Be focused. Focus is so essential and important for you to achieve your goals. Without focus you will get off track. You need have guiding principles to help you prevent distractions and discouragement. These principles will help you stay course till your dreams come true.
Refine and adjust your plan. With the passage of time, things are bound to change. Learn new ways of doing things. There are times you will need to rewrite your life plan. When some goals becomes your priorities in life, write them in your plan and remove those ones that aren’t important to your life anymore.
These tips are simple and they could help you get your life back in order – only if you follow them to the letter and apply them to your life.
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Wednesday, 29 March 2017

The Gift and the Curse of Entrepreneurship

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Entrepreneurs are a different breed of human beings. While most people would be comfortable living a normal and secure life, an entrepreneur feels more alive when they are taking risks in life. Entrepreneur is defined as a person who is willing to take higher risks than others. Because entrepreneurs have a higher tolerance for risk than most people, they also handle stress differently.
I’ve seen an increase in a specific pattern among today’s entrepreneurs. Unfortunately, that pattern causes them to sabotage their lives and their success in business.

The gift.

Most entrepreneurs grow up with a sense of knowing they are different from other people. I knew at an early age that I viewed the world different from other kids. In first grade, I tried selling my lunch to my classmates and teachers so I could buy stickers and toys.
I also enjoyed the attention and the sense of mission it gave me. That attention and purpose gave me a feeling of self-worth that made me want to continue improving. As a result, I became an overachiever. Even though school wasn’t my thing, I excelled at making deals and thrived on the negotiation process. Later on, as I sharpened that skill, it gave me an edge in all my businesses.
An entrepreneur’s gift is being an innovator. We love to innovate, compete and achieve, and we have the desire to make things better, faster and more profitable.

The curse.

The same drive that gives entrepreneurs that edge to win wants to take over everything we do. We have a hard time letting go of our need to win at everything. To those who are not entrepreneurs, we may seem egotistical or self-centered at times, and it becomes difficult to maintain relationships with other people who aren’t visionaries -- or those who don’t share the same passion and drive.
So, we end up on an island with a small circle of people, if any people at all, who understand what we experience running our business every single day. It’s true what they say -- it is lonely at the top. Over the years, I’ve worked with several CEOs and high-level entrepreneurs who say the same thing. They feel isolated from everyone else, including their closest family members.
When this happens to an entrepreneur, they begin doubting their life’s mission and feel inadequate to continue. This is the perfect storm. Despite all their successes, inadequacy, coupled with isolation, is the formula for depression and sabotage.
If they are experiencing the curse, it may cause them to operate more from a place of fear rather than a place of certainty. They fear they may make the wrong decisions or not know what to do next. Meanwhile, people look to them for guidance and leadership. They feel they can’t show any sign of weakness or uncertainty because that would mean they are not good enough to lead.
They pretend everything is fine, when the reality is that they are scared. They don’t have anyone to talk to about their problems without seeming weak or feeling judged. When entrepreneurs don’t know how to handle the curse, they sabotage their businesses and their relationships.
Here are a few insights I’ve learned from entrepreneurs who have overcome the curse.

1. Know you are not normal.

Entrepreneurs are cut from a different cloth. Stop trying to fit in and own the fact that you are not normal. Most people are not going to see things as you see them.

2. Embrace the gift.

Entrepreneurs have a deep desire to overachieve. Don’t let others tell you how to play the game. Use innovation and growth to make your own rules. Don’t focus on the score. Be grateful you are still in the game.

3. Build relationships with other entrepreneurs.  

Don’t build a relationship focused solely on business -- build one where it’s OK to have real conversations. Find another entrepreneur in the game who can call you out and hold you accountable. Do the same for them, and set up weekly check-ins to keep each other on track.

4. Join a high-level mastermind for entrepreneurs.  

This should be a top priority. Doing this has been one of the main catalysts to my success. I invest a substantial amount of money every year traveling to mastermind with other successful and growing entrepreneurs. I believe that proximity is power. Engaging with other entrepreneurs who are playing the game at your level or above will change your game.
Entrepreneurship is one of the hardest things you will do in your life, but it is also one of the most fulfilling. A mentor once told me that nothing worthwhile is easy, so don’t ask for things to get easier -- ask to get stronger.
This is the gift and the curse
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7 Reasons Your First Business Will Fail

7 Reasons Your First Business Will FailSorry for the downer title. But while it's obvious that plenty of first-time business owners find success, it’s far more likely that your first business is going to fail.
The bright side is, if you understand why this is the case, you’ll be able to better prepare yourself and potentially avoid some of the pitfalls of first-time business ownership.
Even if you do eventually fail, being prepared for that outcome will take some of the sting out of the experience and set you up for even better chances of success later on. You can also take comfort in the fact that you're not alone: Some of the biggest names in the business community, from Bill Gates to Walt Disney, and even Steve Jobs, failed in their first businesses before evolving into the super successes they did become.
So, why is it that your first business is likely to fail? Here are seven reasons.

1. You (probably) aren’t an exception.

There are a number of variations on the exact statistic, but most sources agree that the vast majority of businesses eventually fail. Some claim that as few as 4 percent of businesses survive for more than 10 years, with more than half perishing in the first couple of years of operation. It’s comforting to believe that you’re the exception to the rule, or that you’re more likely to succeed than your contemporaries. But the statistics suggest this isn’t really the case.

2. You’re inexperienced.

There’s a reason more experienced professionals make more than amateurs -- experience yields skill and knowledge. If this is your first time starting a business, you won’t have any prior experiences to draw upon when making decisions, establishing a direction or facing harsh challenges.
It’s true that other experiences in your life, such as holding a leadership position, navigating the industry in a lower-level position or even working with other entrepreneurs, can substitute as some level of experience here. But until you’re in the driver’s seat, you won’t know what it’s really like to run a business.

3. You won’t take risks.

First-time entrepreneurs tend to be more conservative than their more experienced counterparts. This is partially due to first-time entrepreneurs’ lack of confidence, which stems from a lack of experience. It’s also partially due to the fact that first-timers have access to fewer resources than their more experienced counterparts.
And that means they’re less capable of tolerating financial instability, and have more riding on the success of the business. The conservative route can potentially lead to success, but risk-taking sets you apart from your competitors.

4. You don’t have enough contacts.

Even if you’re outgoing, it’s likely that you won’t have a very large network when you start your first business, and your professional network will play a major role in the ultimate success of your business. Your contacts will provide you with potential clients, partnerships, suppliers and even employees, and if you’re lucky, maybe even investors or mentors who can give you advice.
Without a strong network in place, you’ll miss out on these benefits and lag behind competitors who have stronger connections.

5. Your instincts are untested.

When properly developed, your instincts can actually be a valuable tool for strategizing and decision-making. “Good” instincts are usually the product of experience; grandmaster chess players can “feel” which moves are correct because they’ve played thousands of games and can read the board almost unconsciously.
In the same way, seasoned entrepreneurs can sense which options are better than others, and have a stronger likelihood of leading their respective businesses in the right direction.

6. You’re too excited.

When you start your first business, you’re nervous and excited -- but that enthusiasm may end up being a hindrance. If you’re too excited, you may get pulled in too many different directions at once, chasing different ideas simultaneously rather than focusing on the single items that your company needs most.
You may also invest in expansion and growth too early, or overspend your resources in a big push to get to market faster.

7. People won’t take you as seriously.

The sad truth is that most people -- including investors, partners, employees and clients -- won’t take you as seriously if this is your first business. They’ll be familiar with the fact that less experienced entrepreneurs aren’t as successful, and may avoid your business simply because it bears a slightly lower chance of succeeding with you behind the wheel. It’s a self-fulfilling prophecy at its finest.
All these factors may seem intimidating, but there’s an important silver lining to remember here. Your business’s failure isn’t the end -- it’s a beginning. Every failure in your life, from small, inconspicuous errors, to massive heartbreaking events, will teach you something, and give you experience and a platform to do something better with your next opportunity.

Most entrepreneurs end up starting and running multiple businesses, so if your first one fails, that just means your second one will be more likely to succeed. Successful entrepreneurs thrive in failure, so don’t think of failure as a dirty word; instead, think of it as getting one big step closer on your path to realizing your entrepreneurial dreams. 
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10 Dumb Money Mistakes People Make in Their 30s



10 Dumb Money Mistakes People Make in Their 30s
Image credit: Georgijevic | Getty Images
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If you’re like many 30-year-old Americans, you probably spent your 20s finishing up college, finding your first real job, taking some risks, making connections and hopefully having some fun.
Now that you’re in your 30s, you’re moving into a different realm. These are the years to firmly establish yourself in your career and begin climbing the corporate ladder -- or perhaps breaking out to forge your own way as a millionaire. You may also be thinking about building a life with a partner, having kids and planning for your long-term future.
This is also the period when many fall into major money pitfalls that sap their finances for years -- or even decades -- to come. With so much going on with work and life, it’s easy to focus on the here-and-now and put aside your bigger financial goals. However, this will leave you scrambling later in life. Think of this article as a map to help you bypass those monetary gaffes.
Avoid these 10 money mistakes in your 30s, and you will set yourself up for financial freedom in your 40s and beyond.

1. Carrying too much credit card debt.

Credit cards can feel like a solution when you just need a little extra help to get you through to your next paycheck. Credit cards can be a useful tool to help you establish credit and earn points or rewards or allow you to make online purchases. But credit card companies make their money off of your dumb financial mistakes, namely, impulse purchases and buying things you really don’t need.
If you don’t pay your cards off every month or, worse, if you only make the minimum payment, you will end up paying for those items several times over. Credit cards are infamous for their fees, interest rates and hidden rules in their fine print, and it will be difficult for you to catch up once you fall behind.

2. Not diversifying your income.

Most of us treat employment like we would a relationship. We are faithful to a single career or a single employer at a time. We pour all of our time and effort into establishing ourselves in our primary place of work and eschew all else. But when it comes to making money, it’s okay to have something on the side!
In fact, diversifying your income will give you a backup if something happens, and you find yourself out of your primary job. Think of this as a chance to broaden your interests or explore different areas. There are tons of ways to build a second career or money-making venture on the side. Having more than one source of income means more money to invest and save for future projects.

3. Not having a financial plan when you move in with a partner.

It’s no shock that more Americans are waiting longer to get married. And more people are living together before marriage, testing out the waters for long-term cohabitation and companionship. It all sounds wonderful -- until you have to decide how to divvy up the bills.
One of the biggest mistakes you can make is not having an honest and open discussion about finances, budgeting, debt and spending habits before you take the plunge and merge your lives. It may feel awkward to have this conversation, but it’s important you understand where you are each at financially and how your monetary habits may differ. Getting on the same page will help keep money concerns from overshadowing and affecting your relationship.

4. Putting off planning for retirement.

It may be hard to focus on retirement when it’s so far off, but your 20s and 30s are the best time to begin growing your nest egg. You should be taking full advantage of your employer’s 401(k) plan -- especially if they have a matching program. And take the time to set up an IRA, either a Roth or traditional, and make recurring contributions.
The earlier you start putting money away, the more time you will have to take advantage of the wonder of compounding: it’s the most powerful way to make your money work for you. Consider this: if you invest $1,000 a year between the ages of 25 and 35, at approximately 7 percent interest a year, this $10,000 investment will earn you nearly $113,000 by the time you are 65 years old. Not bad, right?

5. Overspending on housing expenses.

You can imagine how awesome your life will be when you’re living in that apartment with the view of the river. Or how swanky you would feel to live in a trendy, up-and-coming neighborhood. One out of three Americans make this mistake, and live in a housing market where they are spending more than 30 percent of their income on rent.
Think of it like this: if you take home $1,000 in income, but spend half on a house, you only have about $33 a day to pay for all the rest of your expenses -- not to mention saving for upcoming purchases or investments. Don’t fall into this overspending trap. It will suck away money you could be investing elsewhere and leave you constantly scrambling to cover your expenses.

6. Failing to plan for the worst.

You may be feeling invincible right now, but at some point you may get sick or hurt. According to the Social Security Administration, 1 in 4 of today’s 20-year olds will become disabled for a period of time before reaching age 67. Most people don’t have enough savings to cover months, let alone years, of lost income if they aren’t able to work.
You can protect yourself by purchasing long-term disability insurance, which will help cover your income while you are incapacitated, so you can focus on getting better. To insure about 60 percent of your gross income, expect to pay around 2-3 percent of your gross income in annual premiums. Think of this as protection against needing to pull out your investments early or dipping into savings you worked so hard to accumulate.

7. Not getting life insurance while it’s cheap.

Not to be a downer, but eventually we will all meet our demise one way or another. Here’s your friendly reminder that there is no time like the present to make estate plans, and that includes making a will and purchasing life insurance.
One important rule of thumb: the younger you are when you buy a life insurance policy, the less you’ll pay. The healthier you are, the cheaper and easier it is to get coverage. Jump on this bandwagon while you can. A little forethought will give you peace of mind later. You’ll know those you love will be cared for even under the worst of circumstances.

8. Not saving money for upcoming expenses.

While you are busy socking away funds in your retirement accounts, don’t forget to set aside money for other big, upcoming expenses. Someday you’d like to own a house, buy a new car, take a trip around the world or help put your kids through college. These major goals come with big price tags that may seem insurmountable, and they could put you in serious debt.
But a little forethought will go a long way toward making these goals a reality -- plus reducing your stress over finances. Set up multiple savings accounts to start setting aside money for specific purchases. Have the money come out through automatic transfers so you won’t miss it.

9. Overspending on kids.

At some point in life, you may find yourself cradling a bundle of joy -- a tiny person you are willing to do almost anything for to ensure their safety and happiness. For many people, that includes giving them the absolute best of everything, from top-of-the-line nursery furniture to brand-name clothes.
A word of caution -- check your spending before your money disappears into a puff of toys, gadgets and baby accessories. Does your bouncing baby really need that fancy stroller? Or would it be more helpful for you all in the long run if that money went into an investment fund or savings account -- or went to pay off debt? Don’t let emotions rule your purchases, for baby or for you.

10. Expecting a standard of living beyond your reach.

No matter your age, it’s easy to covet all the great new things other people seem to have. Many of us have gotten caught up in “keeping up with the Joneses.” But this game isn’t sustainable and doesn’t result in long-term happiness. Trying to keep up with someone else’s standards isn’t going to get you anywhere.
Another pitfall is expecting to live at the same level as your parents are at this phase in your life. Remember that your parents have (hopefully) spent decades accumulating their wealth. You will get there too, if you keep your expectations in check and don’t spend beyond your means now. 
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