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Paul Okade jr wears many hats. He is an<br />
Author, Entrepreneur,Finance coach and<br />
investment consultant. Paul has<br />
authored dozens of articles and has<br />
featured on several television programs<br />
in the United Kingdom. He was born in<br />
London England to Nigerian Parents. His<br />
Father worked for the Central Bank of<br />
Nigeria prior to his relocation to the<br />
United Kingdom for further studies and<br />
his Mother is a Director in a blue chip<br />
pharmaceutical company also in the<br />
United Kingdom.<br />
Paul has written over 50 books and brings passion and excellence to everything he<br />
does. His love for Nigeria was what informed his decision to publish this magazine. He<br />
is passionate about Nigerian business and he is actively playing his part in order to<br />
ensure that Nigerians seize the opportunities which their country currently offers them<br />
before foreign interests completely take over the economic landscape of the nation.<br />
His book “Look, there’s <strong>money</strong> on the ground” is an expose’ on microentrepreneurship<br />
and it highlights crucial strategies that if applied, would equip<br />
millions of Nigerians with the necessary business skills required to transform them<br />
into successful entrepreneurs and turn Nigeria into the “China” of Sub-Saharan<br />
Africa.Paul is happily married with children.<br />
Paul would like to thank the following people for their incredible input into this<br />
publication;<br />
• Engineer (Mrs) Omonefe Okade (Co-founder of Dream Academy Institute)<br />
• Ibrahim Mohammed (CEO of Webland Visionz Nig LTD)<br />
• Isaac Balami (President of the National association of Aircraft Pilots and Engineers)<br />
• Dr and Mrs Tennyson Akere: Founders and Proprietors of Children Medical Centre, an<br />
outstanding hospital which continues to save the lives of hundreds of children in Benin<br />
City Nigeria.<br />
Paul Okade Jr
welcome to the pilot edition of our monthly e-<br />
magazine aptly called “Money <strong>speaks</strong>”. In this<br />
magazine we aim to bring you current and<br />
relevant information regarding the property<br />
and finance industry from across the world.we<br />
truly are living in a global village and through<br />
the power of the internet the world has truly<br />
become just one mighty ocean filled with<br />
incredible investment opportunities. Today we<br />
have European nationals living and working in<br />
China, Singapore, Dubai, Saudi Arabia and<br />
Africa. We equally have Chinese, Indian,<br />
African, American, Arabian, Persian and every<br />
other national under heaven working across<br />
the globe also.<br />
what is the driving force behind all this migration? Money ! I have said repeatedly an<br />
I believe it is worth repeating that, <strong>money</strong> is not sexist, racist or prejudice in any way.<br />
is the number one unifier of people irrespective of their prior predisposed prejudices.<br />
It is amazing how when there’s an opportunity to make <strong>money</strong> people become colour<br />
blind, everything around them turns green all of a sudden. The reason why I decided to<br />
call this magazine “Money Speaks” is because <strong>money</strong> does speak. It may be saying<br />
different things to different people but be rest assured that your <strong>money</strong> is definitely<br />
speaking.<br />
To some people <strong>money</strong> is saying “hey you, you need more of me”, to other’s it is<br />
saying “you need to give some of me away to the less fortunate”, to other’s , it is sayin<br />
“You need to invest me into something solid such as property or gold before I run out”<br />
Money is saying different things to so many people and for those people who are<br />
listening to what “<strong>money</strong>” is telling contact them, and us obeying at; it, their financial futures and<br />
that of their children will be secured. <strong>money</strong><strong>speaks</strong>@gmail.com Or call<br />
us on the following numbers;<br />
F or those that refuse to listen to the voice of <strong>money</strong> and its instruction, their<br />
In Nigeria: Webland Visionz LTD c/o<br />
economic futures are indeed bleak. In this edition we will look at the investment<br />
opportunities that are available in many Mohammed parts of the Ibrahim: globe and 0803 how 472 we can take<br />
advantage of these opportunities and 3742 use them In the to UK: secure Napoleon and protect our <strong>money</strong> from<br />
the effects of inflation and currency investments: devaluation. +44 207 566 4057<br />
Paul Okade Jr
MONEY SPEAKS<br />
1<br />
Introduction<br />
THE ECONOMIC<br />
3<br />
REALITIES OF<br />
OUR TIME<br />
ALIKO DANGOTE<br />
12<br />
Africa's Industrialist<br />
ABUJA<br />
16<br />
BUSINESS CITY<br />
CAN WE TRUST<br />
31<br />
THE BANKS?
IBRAHIM MOHAMMED<br />
40<br />
Nigeria's Technology<br />
King<br />
WHY IS MONEY<br />
45<br />
IMPORTANT?<br />
WALE TINUBU<br />
Beyond Oil<br />
51<br />
WEALTH<br />
PROTECTION<br />
STRATEGIES FOR<br />
NIGERIANS<br />
57<br />
MICRO-<br />
64<br />
ENTREPRENEURSHIP
INTRODUCTION<br />
Welcome to the pilot edition of our<br />
quarterly magazine aptly called “Money<br />
<strong>speaks</strong>”. In this magazine we aim to bring<br />
you current information about all that’s<br />
taking place in the global economy. We truly<br />
are living in a global village and through the<br />
medium of the World Wide Web the world<br />
has truly become just one mighty ocean<br />
filled where individual nations are like<br />
sharks all competing for the same food.<br />
I doubt if there’s a single nation on this<br />
planet where you wouldn’t find a Nigerian.<br />
There’s a running joke that says that even if<br />
you were to travel to the moon today you<br />
will still meet Nigerians there looking for<br />
one business opportunity or the other.<br />
What is the driving force behind all this<br />
migration? Money! I have said repeatedly<br />
and I believe it is worth repeating that,<br />
<strong>money</strong> isn’t sexist, tribalistic, racist nor<br />
prejudice in any way, it is the number one<br />
unifier of people irrespective of their prior<br />
predisposed prejudices. It is amazing how<br />
whenever there’s an opportunity to make<br />
<strong>money</strong> people become colour blind, and<br />
everything around them turns green all of a<br />
sudden. I have said this in several articles<br />
which I have written on this subject that the<br />
biggest religion in this world isn’t<br />
Christianity or Islam, but “Money”. Why do I<br />
believe this to be true? Because people are<br />
more passionate about pursuing <strong>money</strong><br />
than they’re about pursuing God, and most<br />
of their prayers are centred around financial<br />
breakthroughs, business 1 breakthroughs, job
and most of their prayers are centred around<br />
financial breakthroughs, business<br />
breakthroughs, job promotions etc etc.<br />
Studies have shown that most people are<br />
extremely prayerful and pious when they’re<br />
having financial challenges but the second their<br />
financial problems are solved, their passion for<br />
prayer is usually dashed out of the nearest<br />
window. This is the reason why Karl Marx said<br />
and I quote that “Religion is the opium of the<br />
poor”.<br />
The reason why I decided to call this magazine<br />
“Money Speaks” is because <strong>money</strong> does speak.<br />
It may be saying different things to different<br />
people but be rest assured that your <strong>money</strong> is<br />
definitely speaking.<br />
To some people <strong>money</strong> is saying “hey you, you<br />
need more of me”, to other’s it is saying hey!<br />
“you need to give some of me away to the less<br />
fortunate”, to other’s it is saying “You need to<br />
invest me into something solid such as property<br />
or gold before I run out”. Money is saying<br />
different things to so many people and for those<br />
people who are listening to what “<strong>money</strong>” is<br />
telling them, and obeying it, their financial<br />
futures and that of their children will be<br />
secured. But for those that refuse to listen to the<br />
voice of <strong>money</strong> and its instruction, their<br />
economic futures are indeed bleak. In this<br />
edition we will look at the investment<br />
opportunities that are available across the<br />
country, and discuss how we can all take<br />
advantage of these opportunities and use them<br />
as effective vehicles to secure and protect our<br />
<strong>money</strong> from the effects of inflation and<br />
currency devaluation.<br />
2
By Paul Okade Jr<br />
The challenges and rapid changes currently taking place in the global economy has<br />
thrown light to the vulnerability of the fiat currency model, and the nations of the<br />
world that can “quickly” move their $dollar reserves into minerals are the only ones<br />
who will survive the coming global monetary crash.<br />
The American economy along with its $dollar is collapsing.<br />
Every single day the dollar loses more and more of its buying power and intelligent<br />
nations need to look for alternative hedges that they can use to secure their wealth.<br />
Throughout history, records have proven time and time again that the safest way to<br />
shield your wealth (both as individuals and as nations) is by investing in<br />
commodities. You only need to look at what has happened to the price of<br />
commodities such as Gold, Silver, Copper, Iron ore and so forth in the last 3 years.<br />
Today Gold is trading at $1311 an ounce and it is projected to rise to well over<br />
$5000 over the next 3-5 years because of what is happening to the dollar.<br />
4
Every single day the dollar loses more<br />
and more of its buying power and<br />
intelligent nations need to look for<br />
alternative hedges that they can use to<br />
secure their wealth. Throughout history,<br />
records have proven time and time again<br />
that the safest way to shield your wealth<br />
(both as individuals and as nations) is by<br />
investing in commodities. You only need<br />
to look at what has happened to the price<br />
of commodities such as Gold, Silver,<br />
Copper, Iron ore and so forth in the last 3<br />
years. Today Gold is trading at $1311 an<br />
ounce and it is projected to rise to well<br />
over $5000 over the next 3-5 years<br />
because of what is happening to the<br />
dollar.<br />
Why is the $dollar so central to the<br />
global economy? It is because it is the<br />
currency of international trade and all<br />
global business transactions are quoted<br />
and traded in US Dollars, so if the dollar<br />
should collapse, the global economy will<br />
follow suit, and the impact will hit<br />
nations who have not managed to move<br />
their $dollar reserves into commodities<br />
mostly. America’s national debt has<br />
reached $20 Trillion dollars. How can one<br />
single country have so much debt? And<br />
just in case you don’t understand the<br />
magnitude of this, let me quote it in<br />
Naira. America’s debt in Naira is 3200<br />
Trillion Naira (in words: Three thousand<br />
two hundred Trillion Naira). It is<br />
economically impossible for America to<br />
ever clear this debt and to compound the<br />
problem even more, they’re printing<br />
$billions of dollars and dumping it into<br />
their economy in an attempt to kick start<br />
it, and all it is doing is devaluing their<br />
5<br />
currency.<br />
It is basic economics, the more of<br />
“something” you have in circulation, the<br />
less valuable it becomes. The reason why<br />
Gold is so valuable is because there isn’t<br />
a lot of it in the world, it’s a rare<br />
commodity. Nigeria must intensify its<br />
mining operations and rapidly build up<br />
its reserve of Gold and other precious<br />
metals.<br />
As a nation, we need to start building up<br />
our mineral reserves, and because we are<br />
already immensely endowed with so<br />
much mineral deposits, we do not need to<br />
purchase them, we simply need to<br />
exponentially increase our mining<br />
output because the $dollar does not have<br />
long to go before it <strong>final</strong>ly collapses.<br />
China is the biggest buyer of<br />
minerals, they have the largest<br />
deposit of Gold in the world and<br />
they mine and store it. The Chinese<br />
do not sell their minerals because<br />
they know that in the coming fiscal<br />
tsunami that will soon hit the<br />
world, paper <strong>money</strong> will have no<br />
value and the only thing which<br />
nations will be able to trade with is<br />
minerals. We need to secure the<br />
economic future of this nation and<br />
see to it that we do not fall victim to<br />
the fiscal incompetence of the<br />
western democracies.
Africa must understand that it has<br />
“real” wealth under its soil and we need<br />
to begin to cultivate and store it in<br />
preparation for what is coming.<br />
We need to stop chasing $dollars and<br />
start mining more and more minerals<br />
because that is what true wealth is.<br />
America prints paper and gives it to us in<br />
return for our precious minerals, they’re<br />
treating us like fools and enough is<br />
enough.<br />
If they want anybody to take their paper<br />
<strong>money</strong> seriously then they need to stop<br />
printing it, because if they don’t, it will<br />
become as worthless as monopoly <strong>money</strong><br />
very soon.<br />
We need Men and Women in this country<br />
who are in tune with the happenings of<br />
the times and have not bought into that<br />
old colonial lie that “white is right”<br />
because they know better.<br />
The manner in which the European and<br />
American economies were shaken in<br />
2008, and continue to shake till today has<br />
shown the whole world just how unstable<br />
their economies are. Cyprus went<br />
bankrupt and as we speak nations such as<br />
Spain, Italy, Greece and Ireland are on the<br />
verge of total economic collapse.<br />
We have nothing to learn from the<br />
western democracies any longer, and if<br />
we copy their system then we will only<br />
end up suffering the same fate. We need<br />
to look to China and model our<br />
economies around theirs, because they<br />
7<br />
have become the strongest economy in<br />
the world, and that didn’t happen by<br />
chance. We need to look closely at what<br />
they did in order to attain such a lofty<br />
height and then reproduce it in every<br />
state across the federation. The<br />
governments (both state and federal)<br />
need to look at alternative ways of raising<br />
revenue instead of borrowing.<br />
We need to stop running to the World<br />
Bank and the IMF each time we need<br />
<strong>money</strong> because they’re slowly getting us<br />
into massive debts which our children<br />
and grandchildren will have to contend<br />
with. Debt is bondage, and the borrower<br />
will always be the slave of the lender.<br />
I repeat, we need to look at China and<br />
study what they did. They stayed away<br />
from the two evils (World Bank and the<br />
IMF) and simply went into<br />
manufacturing, and as a consequence<br />
they have become the market of the<br />
world. Everything we use is made in<br />
China. They manufactured their way to<br />
the top of the food chain and now the<br />
whole world is at their feet.<br />
They’re so rich that even America owes<br />
them over a Trillion $dollars.<br />
Isn’t it ironic that America (the country<br />
that prints and owns the $dollar) owes<br />
China $1 Trillion dollars? This is the<br />
reality of the modern world and America<br />
is becoming the economic laughing stock<br />
of the world.
we need to look at China and study what they did. They stayed away from<br />
the two evils (World Bank and the IMF)<br />
8
“For your business to stand out and succeed, you have to put a primary<br />
focus on the social media space, go in big (halfway will not do), and do it<br />
better than most, right from the start.”<br />
Brian E.Boyd Sr social Media for the Executive<br />
•We will create the concept for you<br />
•Write the advertorial<br />
•Design all the graphics and images<br />
•Produce the advert<br />
•Launch the campaign<br />
•Measure the results<br />
Our advertising medium is as follows;<br />
•Print Media; Newspapers, Magazines, Leaflets, posters<br />
•Social Media: Facebook, Twitter<br />
•Electronic media: Television, Radio, You-tube, e-marketing<br />
Contact us at :<br />
thepoliticiannigeria@gmail.com<br />
11<br />
9
BY PAUL OKADE Jr<br />
Alhaji Aliko Dangote epitomizes that<br />
“go-getter” unstoppable Nigerian spirit<br />
which is domiciled in every Nigerian.<br />
That “can do” attitude that continues to<br />
set Nigerians apart from the rest of the<br />
African continent. Who would have<br />
thought that a man who began his<br />
business life as a relatively small<br />
commodities trader in Kano, Northern<br />
Nigeria 30+ years ago, would now been<br />
ranked amongst the most influential<br />
business leaders of modern times? It’s a<br />
shame that the Nigerian media do not<br />
report positive fetes such as this, instead<br />
of the scandalous news they fill our<br />
airwaves with.<br />
On the 10th of April 1957 a baby was<br />
born to the families of Dangote and<br />
Dantata in Kano state Nigeria who would<br />
one day dominate the African business<br />
landscape and make a mark in industry<br />
and entrepreneurship that would cause<br />
global business giants to sit up and take<br />
notice. His name is Aliko. At the tender<br />
age of 21 he returned to Nigeria after<br />
completing a business degree at the<br />
prestigious Al Azhar University in Cairo<br />
Egypt and started a small commodities<br />
trading company with the N500,000 loan<br />
he received from his grandfather the late<br />
business mogul Alhaji Dantata.<br />
As Nigerians we should be proud to<br />
have one of our own listed on Forbes and<br />
ranked as the 43rd richest man in the<br />
world. This is one of the main reasons<br />
why I decided to become a player in the<br />
fourth estate (that’s the industry name<br />
for the “media” by the way), because I<br />
wanted Nigerians to have access to some<br />
positive news other than the usual<br />
negativity such as Boko Haram and<br />
election rigging that they’re bombarded<br />
with. Do bad things happen in Nigeria?<br />
Sure they do but so do good things, the<br />
only difference is that only the “bad<br />
news” gets reported.<br />
12
Who would have thought that a young<br />
man with a dream could turn N500K into<br />
what has now become one of the largest<br />
conglomerates in the world which<br />
netted the founder a staggering<br />
personal fortune close to $20 Billion<br />
dollars, and to think that the majority of<br />
this wealth was made right here in<br />
Nigeria? Imagine if Aliko Dangote had<br />
taken the N500K that his grandfather<br />
lent him and instead of starting a<br />
business in Nigeria, he decided to travel<br />
to the UK or USA to further his studies,<br />
settle down there and work for a blue<br />
chip company like millions of Nigerians<br />
have done? Had he done that, then the<br />
Dangote group would never have<br />
existed and the nearly 12,000 people<br />
who he employs across the group would<br />
have been added to the already over<br />
stretched Nigerian job market.<br />
Aliko Dangote would have become<br />
another faceless and nameless Nigerian<br />
working for the White man and<br />
spending his leisure time on social<br />
media insulting Nigerian Politicians. I<br />
wonder what Nigeria would have been<br />
like if all her sons and daughters who<br />
went abroad in the name of furthering<br />
their education actually returned home<br />
after their studies and got stuck in and<br />
helped to rebuild Nigeria? By now<br />
Nigeria would have been like South<br />
Africa or even Singapore. In the UK<br />
alone there are well over 2 million<br />
Nigerians residing there both legally and<br />
illegally and only God knows how many<br />
more millions are domiciled in the<br />
United States of America. How many<br />
13<br />
Aliko Dangote’s would we need in order<br />
to transform Nigeria? About 2-3 hundred<br />
will do. I am so proud of Aliko Dangote,<br />
he inspires me especially because I was<br />
born in the UK and till date there is no<br />
single Nigerian in the UK who has<br />
achieved what Aliko Dangote has<br />
achieved in Nigeria and that’s a fact.<br />
We complain that Nigeria is underdeveloped<br />
and that is the reason why the<br />
country is not progressing, and yet it is<br />
the same Nigeria that produced the likes<br />
of Aliko Dangote, a man whose business<br />
empire is worth Trillions of naira and<br />
counting. Whether its cement<br />
production or sugar refining, Dangote is<br />
heavily represented, and in recent years<br />
he has ventured out of the shores of<br />
Nigeria, and has already begun to<br />
dominate other African countries such<br />
as Ghana, Togo and Benin.<br />
Aliko Dangote is a proud African who<br />
wears his Nigerian nationality proudly<br />
on his sleeves. He is a true industrialist<br />
and serial entrepreneur with the<br />
uncanny ability to see opportunities in<br />
the same place where others see<br />
obstacles.<br />
An Eagle eyed business man who will<br />
stop at nothing until he accomplishes his<br />
goals. Let the sons and daughters of<br />
Africa join me in celebrating one of our<br />
own, a true son of the soil who has made<br />
and continues to make the continent of<br />
Africa ever so proud.
Let the youth of Nigeria draw inspiration from this enigma of our time, and learn<br />
how to spot opportunities in places where others can only spot problems for truly,<br />
that is the secret of Aliko Dangote’s meteoric rise in business. It’s high time we<br />
stopped complaining about the state of the nation, and start to dream about all that<br />
we can achieve for ourselves and for generations yet unborn.<br />
When others spent their time criticizing the government, Aliko Dangote spent his,<br />
exploring and taking advantage of opportunities. The time has come for us to roll<br />
up our proverbial “sleeves” begin to turn or obstacles into opportunities and our<br />
slanders into business strategies. Let us draw inspiration today from the life of our<br />
brother, our very own Aliko Dangote, Africa’s industrialist.<br />
14
ABUJA BUSINESS CITY<br />
PIONEERING THE NIGERIAN RENAISSANCE<br />
By Paul Okade jr<br />
The Abuja Business City known by the acronym (ABC) is poised to redefine corporate business<br />
practices in Nigeria by coupling cutting edge technology with 21st century infrastructure that<br />
would rival any business city in any part of the developed world.<br />
As economic growth leaves the Western democracies, the eyes of the world are turned to the<br />
developing economies, and Nigeria is at the apex of the gaze of potential investors from across<br />
the globe seeking to partake of the multi-trillion dollar economic ocean known as “Nigeria”.<br />
However, as foreigners continue to seize control of vast sectors of the economy, where does that<br />
leave the indigenes of the nation?<br />
Nigerians in the Diaspora understandably work for the indigenes of those nations but when<br />
Nigerians in their own fatherland also find themselves working for foreigners then something is<br />
amiss. The Abuja Business City will redress this in-balance by giving every Nigerian entrepreneur<br />
the opportunity to realise the proverbial “Nigerian dream” by giving them direct access to<br />
cutting edge technology, financial products and services along with a modern business<br />
infrastructure comparable to those available to their counterparts in the developed economies.<br />
16
Nigeria’s destiny is to be at the apex of the<br />
global business ladder. Nigerians are talented,<br />
gifted, astute, competent and highly industrious<br />
and given the right business tools (technology,<br />
infrastructure, financial services) they can<br />
defeat any competition anywhere in the world.<br />
With a population of 180+ million people,<br />
Nigeria is every entrepreneurs dream, and this is<br />
the reason why the entire world is heading unto<br />
our shores.<br />
We are a welcoming people and foreigners are<br />
certainly welcome to our country and they’re<br />
free to invest and prosper on our shores, but it is<br />
high time that we give our own, home grown<br />
talent the opportunity to excel and to also carve<br />
out their own piece of the proverbial “Nigerian<br />
Dream”.<br />
Abuja Business City will boast of some of the<br />
finest architecture known to man coupled with<br />
cutting edge technology, world class financial<br />
products and platforms, 24hr electricity supply,<br />
world class postal and courier services and a<br />
telecoms and I.T system that would rival those<br />
domiciled in the developed economies.<br />
Finally Nigerian entrepreneurs will have at<br />
their finger tips all the necessary tools required<br />
in order to build world class corporations which<br />
will make Nigeria the envy of not just the<br />
nations in Sub-Saharan Africa, but of the entire<br />
world.<br />
Abuja Business City consists of the<br />
UNITY ZONE<br />
NORTH-SOUTH-EAST-WEST<br />
The mission of the unity zone is to create an enabling environment for all the indigenous<br />
cultures, tribes and people groups which make up the 6 geopolitical zones of the federation to<br />
come together peacefully and learn about each other’s customs and traditions.<br />
This zone will provide a tranquil and neutral environment where we can all sit together as one<br />
united Nigerian family and eat from the table of national brotherhood. Unity is strength and we<br />
are stronger together.<br />
17
This zone consists of the following<br />
centres;<br />
1: THE GOODLUCK JONATHAN CENTRE FOR NATIONAL UNITY<br />
2: SOUTH-SOUTH CULTURAL CENTRE<br />
3: SOUTH-EAST CULTURAL CENTRE<br />
4: SOUTH-WEST CULTURAL CENTRE<br />
5: NORTH-EAST CULTURAL CENTRE<br />
6: NORTH-WEST CULTURAL CENTRE<br />
7: NORTH-CENTRAL CULTURAL CENTRE<br />
CORPORATE ZONE<br />
This zone is the hub for corporate business and it consists of<br />
the following;<br />
1: 1000 CORPORATE OFFICES<br />
2: 12 ADMINISTRATIVE OFFICES<br />
3: TELECOMS AND INFORMATION TECHNOLOGY CENTRE<br />
4: POSTAL AND COURIER CENTRE<br />
5: 2OOO CAPACITY CAR PARK<br />
18
INDUSTRIAL ZONE<br />
This is the manufacturing and industrial zone of the city and it<br />
consists of the following;<br />
1: 100 FACTORIES<br />
2: 100 WAREHOUSES<br />
3: POWER STATION<br />
4: REFUSE DROP/COLLECTION<br />
19
FINANCE ZONE<br />
The financial hub of the city is the finance zone<br />
and it consists of the following;<br />
1: 12 MACRO BANKING INSTITUTIONS<br />
2: 5 MICRO BANKING INSTITUTIONS<br />
3: 5 MORTGAGE BANKING INSTITUTIONS<br />
4: METALS EXCHANGE<br />
5: STOCK MARKET<br />
20
HOSPITALITY ZONE<br />
The hospitality zone will<br />
consist of the following;<br />
1: 10 HOTELS PROVIDING 2500<br />
HOTEL ROOMS<br />
2: 10 CONFERENCE CENTRES<br />
3: WINE BARS<br />
4: NATIONAL AND<br />
INTERNATIONAL RESTAURANTS<br />
21
MEDIA ZONE<br />
This zone consists of the<br />
following;<br />
1: 5 TELEVISION STUDIOS<br />
2: RADIO STATION<br />
3: PUBLISHING HOUSE<br />
4: POST PRODUCTION CENTRE<br />
5: TV STATION<br />
6: THE SENATOR BALA MOHAMMED SCHOOL<br />
OF JOURNALISM<br />
22
ACADEMIC ZONE<br />
This zone consists of the<br />
following;<br />
1: NURSERY SCHOOL<br />
2: PRIMARY SCHOOL<br />
3: SECONDARY SCHOOL<br />
4: ABUJA CITY BUSINESS SCHOOL<br />
5: SKILLS ACQUISITION INSTITUTE<br />
23
RESIDENTIAL ZONE<br />
This zone consists of the following;<br />
1: 1 THOUSAND HOUSING UNITS<br />
2: 3 MODERN SUPERMARKETS<br />
3: LAUNDRY AND DRY CLEANING CENTRE<br />
4: COMMUNAL GYMNASIUM<br />
5: COMMUNAL SWIMMING POOLS<br />
6: COMMUNAL TENNIS COURTS<br />
7: COMMUNAL PARK AND CHILDRENS PLAY AREA<br />
24
HEALTH ZONE<br />
The health zone consists of the<br />
following;<br />
1: 3 MODERN GENERAL HOSPITALS<br />
2: CANCER TREATMENT CENTRE<br />
3: DIALYSIS CENTRE<br />
4: THE PATIENCE JONATHAN MATERNITY CENTRE<br />
5: 3 MODERN DENTISTRYS<br />
25
RECREATIONAL ZONE<br />
This zone consists of the following;<br />
1: CHILDRENS AMUSEMENT PARK<br />
2: MODERN SHOPPING MALL<br />
3: 8 SCREEN CINEMA + MUCH MORE<br />
26
at: pedakogroup@gmail.com<br />
for further details<br />
ABUJA BUSINESS CITY; SHOWCASING THE BEST OF<br />
NIGERIA<br />
27
okadehouse@yahoo.com<br />
In this timely book, Paul Okade jr unearths the business secrets behind the rise of<br />
some of the largest conglomerates on Earth today. “Look there’s <strong>money</strong> on the<br />
ground” is an expose’ on entrepreneurship and this book challenges the reader not<br />
to despise the days of small beginnings, because even an Oak tree started its life as<br />
an acorn and the great pyramids of Egypt started as an individual brick. Some of the<br />
priceless keys contained in this book are as follows;<br />
How to start a micro-business<br />
How to develop a wealth consciousness<br />
How to create an effective brand<br />
Why you should never follow the Jones’s<br />
Developing a savings culture-Don’t just spend, invest<br />
The importance of trans-generational wealth<br />
Leaving a financial inheritance for your children and grandchildren<br />
And so much more.<br />
28
CAN WE TRUST OUR BANKS?<br />
If the recent events in Cyprus have taught us anything, it is that our <strong>money</strong> is no<br />
longer safe in the banks. To think that in 2013 a situation could arise in a civilised<br />
European country such as Cyprus that would cause the banks (under the instruction<br />
of the Government), to freeze the accounts of its clients and not give them access to<br />
their hard earned <strong>money</strong> is truly frightening. It certainly has the hallmarks of the<br />
apocalyptic Orwellian world in which the basic freedoms of individuals has become<br />
a thing of the past and the Government are the ones who now decides everything<br />
from where you should live, who you should marry, what you should eat, the number<br />
of children you can have and so forth.<br />
Perhaps George Orwell’s description of the future has proven to be prophetic after<br />
all because this is certainly the reality facing the modern world. The European crisis<br />
is far from over and the monetary experiment known as the “Euro” hasn’t seen the<br />
last of turbulence and uncertainty. The American Dollar is equally in similar<br />
circumstances, and the quantitative easing exercise by the Federal Reserve Bank<br />
which is currently dumping tens of billions of printed “paper” dollars into the<br />
American economy on a monthly basis in an attempt to jump start the economy is<br />
nothing short of a time bomb waiting to explode.<br />
31
All it’s causing is yet another boom<br />
and bust cycle and the question nobody<br />
is asking themselves is just how many<br />
more of such cycles can the global<br />
economy absorb before it totally<br />
disintegrates? As an individual, the<br />
time has come for you to take your<br />
proverbial “destiny in your own hands”<br />
and begin to create hedges/safety nets<br />
to mitigate the fiscal incompetence of<br />
global governments. The steps you<br />
should take in order to mitigate the<br />
threat of banks freezing your cash as<br />
they did in Cyprus are as follows:<br />
Firstly you should always have<br />
enough cash in your house or in a<br />
safe place elsewhere to be able to<br />
take care of yourself and your<br />
family for at least 3 months, so that<br />
if the government in the nation<br />
where you’re currently domiciled<br />
decide to pull the same stunt on you<br />
as they did in Cyprus, then at least<br />
you and your family can survive.<br />
32<br />
Secondly, you should begin to look<br />
at secure ways to keep more of your<br />
cash outside of the banks, so that in<br />
the eventuality of banks freezing<br />
your account and demanding that<br />
all the citizens should use their<br />
savings to bail out their<br />
government, you will not be too<br />
adversely affected.<br />
Unfortunately, these are the measures<br />
that we all have to start taking to<br />
protect our <strong>money</strong> so that we don’t<br />
become the unfortunate victims of<br />
failed government economic policies.<br />
We cannot dictate the behaviour and<br />
conduct of those public officials who<br />
we elected to serve us but we can<br />
certainly do whatever is deemed<br />
necessary to protect ourselves and our<br />
children from their fiscal and economic<br />
mismanagement.
“BUILDING WEALTH THROUGH THE MORTGAGE SYSTEM”<br />
By Paul Okade jr<br />
As the mortgage sector begins to gain momentum across Nigeria it has<br />
become absolutely necessary for public and private sector<br />
organisations to educate their employees about the great<br />
opportunities that are now available via the Federal Mortgage scheme<br />
in order for them to gain a thorough understanding of the mortgage<br />
industry and its processes and be fully equipped to take full advantage<br />
of these new opportunities which have been made available by the<br />
Goodluck Jonathan administration.<br />
In this one day seminar/workshop you will discover the following;<br />
• History of the global mortgage industry<br />
• A thorough understanding of the mortgage industry including the<br />
following;<br />
• Interest rates<br />
• Different types of mortgage products that exist<br />
• Credit scoring<br />
• Identity and <strong>money</strong> laundering<br />
• Insurance for Real Estate<br />
• The Cause of the credit crisis and so much more<br />
•The law of leveraging<br />
• How to buy multiple properties at the same time using borrowed<br />
<strong>money</strong><br />
•Learn the difference between a buy-2-let mortgage and a<br />
conventional mortgage scheme<br />
• And so much more<br />
• Each delegate will also receive a free copy of Paul Okade jr’s latest<br />
book on the mortgage industry entitled “Wealth, Real Estate and<br />
the global credit crisis”.<br />
POWERED BY<br />
Napoleon Developments Mortgage Training<br />
Initiative 2013<br />
Contact us at: napoleoninvestments@gmail.com<br />
34
West link Airways is a brand new airline<br />
which is destined to set a new standard for<br />
Africa. For far too long African airlines have<br />
lagged behind their Western counterparts in<br />
terms of the quality of airplanes in their<br />
fleet, and in keeping with the industry’s best<br />
practices, but West link airlines are<br />
determined to change this. With several<br />
hundred million Dollars already invested in<br />
brand new planes and staff training from the<br />
greatest global institutions, Africa can <strong>final</strong>ly<br />
holds its head high in the field of aviation.<br />
West link Airlines is the vision of Captain<br />
Ibrahim Kadafir Mishella, a pilot of<br />
international repute with nearly 30 years of<br />
aviation experience. A proud Son of Borno<br />
State Nigeria who is making his state and<br />
Nigerians extremely proud. He is the<br />
Chairman and CEO of Mish Aviation services<br />
in Ghana, a private aviation school that is<br />
actively engaged in training some of the<br />
finest pilots in Sub-Saharan Africa.<br />
West Link Airlines Ltd<br />
Block 4, Flat 1, Gwaram Close,<br />
Off Abakaliki Street, Area 3,<br />
Garki, Abuja<br />
Tel: +234 704 337 1122<br />
Email: info@flywestlink.com<br />
Website: www.flywestlink.com<br />
36
ABOUT OUR FLIGHT SCHOOL<br />
Mish Aviation was registered in 2006 to undertake the business of Air Transport, Aviation<br />
Personnel/Flight Training and Aviation Consultancy Services. Mish Aviation also undertakes<br />
domestic schedule Operation and charter in partnership with it's affiliate Africa Contracts and<br />
Equipment Ltd.<br />
We maintain the highest standards of professionalism in all aspects of training including safety,<br />
academic content, flight operations and administration. If your goal is to be a professional pilot,<br />
enrollment at Mish aviation is the best start you can make<br />
Our Vision<br />
To be a leading aviation training and air transportation & management company, delivering a wide<br />
range of world class services, targeting not only the West African sub regional market but the world<br />
market in general.<br />
LEARNING TO FLY IN AFRICA<br />
Our fleet of aircraft, classrooms and training facilities in Accra, Ghana are equipped with state of<br />
the art technology. With the advantage of our own maintenance hanger, we are able to provide<br />
quality maintenance ensuring a very high safety standard surpassing Federal Aviation<br />
Administration requirements.<br />
We have an unrivalled success rate and whether you are learning to fly for fun or you want to train<br />
as a commercial pilot for an airline career – you will receive cost effective training. Our personal<br />
one to one training is unique and makes Mish Aviation Flying School Ghana – Africa one of the most<br />
successful Flight Training Schools in Africa today.<br />
Contact us today to receive our brochure..<br />
NIGERIA<br />
Mish Aviation Flying School C/O Africa<br />
Contracts & Equipment Ltd Block 4,<br />
Flat 1, Gwaram Close, Off Abakaliki<br />
Street, Area 3, Garki, Abuja, Nigeria<br />
Tel:+234 704 337 1122 Mob: +234 81<br />
675 13610 Fax:+234 704 337 1122<br />
GHANA<br />
Mish Aviation House, E12 Knights<br />
Close Comm 22 Tema, Ghana TEL<br />
+233 (0) 302 91 63 50 FAX +233<br />
(0) 302 76 43 13<br />
Email: info@mishaviation.com<br />
femi@mishaviation.com<br />
www.mishaviation.com<br />
38
Nigeria is filled with unsung heroes,<br />
people who are doing exploits in their<br />
chosen field and yet despite their<br />
numerous achievements they have failed<br />
to catch the attention of the national<br />
media and brought centre stage unto the<br />
national spot light. This is one of the<br />
reasons why I decided to go into the media<br />
sector. I want to bring Nigerians an<br />
alternative to the negativity and cynicism<br />
which currently fills the airwaves. There’s<br />
a particular shop I go to from time to time<br />
in Valencia Spain and the day the shop<br />
owner discovered that I was Nigerian the<br />
first thing he said was “BOKO HARAM”.<br />
Now each time I walk into his shop that’s<br />
the first thing he says. I was so<br />
disheartened because in a country with a<br />
population of close to 200 million people,<br />
they’re so many positive and progressive<br />
things taking place on a daily basis which<br />
unfortunately do not get reported in either<br />
the national or international media.<br />
The media is a powerful tool for shaping<br />
the perceptions of people. We only need to<br />
look at America, a country that has dropped<br />
more bombs than all other countries<br />
combined to see how they have mastered<br />
the art of media propaganda, and their<br />
journalists know only too well how to<br />
make America look like a saint whilst<br />
By Paul Okade jr<br />
demonising other nations. It’s only in<br />
Nigeria where we have journalists who<br />
cannot seem to find anything positive to<br />
report about the country.<br />
Thankfully, a new generation of<br />
journalists are on the rise and I<br />
am privileged to be amongst<br />
them, and I have a passion<br />
burning deep in my heart to<br />
report and propagate “positive<br />
news” so that we can begin to<br />
break the stronghold of cynicism<br />
and negativity which has<br />
occupied our media space for far<br />
too long.<br />
When I came into contact with Ibrahim<br />
Mohammed, the CEO of Webland Visionz<br />
Nigeria LTD many years ago, I was blown<br />
away by his depth in the ICT sector. Ibrahim<br />
comes from a well bred and highly<br />
educated family from Jega Local<br />
Government area of Kebbi State Nigeria.<br />
He is the Business Development Executive<br />
and Group CEO of Webland Visionz Nigeria<br />
Ltd.<br />
40
Ibrahim Mohammed is a Business<br />
Administration graduate from Ahmadu<br />
Bello University, he also has a post<br />
graduate Diploma in Computer Science<br />
and a Masters degree in Information<br />
Management all from Ahmadu Bello<br />
University, Zaria. He is also a graduate<br />
member of Nigerian Institute of<br />
Management, and members of the<br />
following organisations; The Nigeria<br />
Computer Society, Nigeria Internet<br />
Group, World Internet Society and<br />
Computer Professionals Registration<br />
Council of Nigeria. Ibrahim has vast<br />
experience in Website & Application<br />
Development, Content Development<br />
Management, ICT Capacity Building<br />
Training, Marketing and Project<br />
Management. He consults for state and<br />
local governments, private sector<br />
corporations, academic institutions and<br />
NGO’s, and due to his strategic<br />
partnerships with ICT organisations in<br />
different parts of the world, he and his<br />
team are always on the cutting edge of<br />
this fascinating but highly fluid sector.<br />
Nigerians are leaders and given half the<br />
chance they will dominate every<br />
business sector in the world. Ibrahim<br />
Mohammed has set out a robust plan to<br />
expand his company across the African<br />
continent, and he is planning to invest<br />
heavily in product development so that<br />
instead of Africa having to import<br />
technology from countries such as<br />
America and India, they will instead<br />
become exporters.<br />
Ibrahim Mohammed is an innovator<br />
and a product development specialist<br />
and he is determined to reposition<br />
Nigeria and transform it into the<br />
technology giant that it has the<br />
capacity to become.<br />
There was a time when America led the<br />
world in the manufacturing and ICT<br />
sectors, but today China has taken over<br />
the manufacturing sector of the world’s<br />
economy and produce nearly 70% of the<br />
world’s consumer goods and India has<br />
emerged as the ICT capital of the world.<br />
Nigeria, a nation with a population fast<br />
approaching 200 million, 75% of which<br />
are below the age of 20, certainly has the<br />
potential to outperform both China and<br />
India in the ICT and Manufacturing<br />
sectors if an enabling environment is<br />
created for them to thrive.<br />
Ibrahim Mohammed is part of a new<br />
breed of Technology Entrepreneurs in<br />
Nigeria who are not afraid to<br />
challenge the status quo, break<br />
barriers and chart a new course for<br />
the industry. In 2014 he will be<br />
launching a brand new Television<br />
program called “Tomorrows<br />
Technology” where he and his panel<br />
of leading industry experts will<br />
discuss current and future trends in<br />
the technology industry, and inform<br />
Nigerians on the current<br />
opportunities that are available<br />
within the ICT sector.<br />
41
The future has great things in store for this young 33 year old Technology guru who<br />
is destined to make Nigeria the ICT hub of the future. Ibrahim, the people of Kebbi<br />
State and the entire Nation of Nigeria are fully behind you with our support and<br />
prayers. May your intellectual light continue to shine and inspire millions of<br />
Nigerian youth.<br />
Thank you for being a role model for the youth of this nation and a ray of hope for<br />
all those who are still wondering if anything good can come out of Nigeria. Because<br />
of industrious young men such as you, I can say without any equivocation that<br />
Nigeria truly has a bright future and her best days are very much ahead of her. We<br />
look forward to seeing what your great company Webland Visionz Nigeria LTD has<br />
in store for 2014 and beyond, because we know that the best is yet to come.<br />
42
We are a complete electronic solution and service provider that exploit<br />
cutting edge technology to develop state of the art solutions of any comp<br />
our clients regardless of size and location. We develop unique electronic<br />
solutions to increase efficiency and competitive advantage for them by e<br />
smart e- technologies.<br />
We put ourselves in the world of our clients to see issues and challenge<br />
their eyes. Our approach to individual projects is always viewed in the co<br />
our clients' larger business plans and strategies, enabling us to add more<br />
their enterprises.<br />
44
WHY IS MONEY<br />
IMPORTANT?<br />
We have often heard the phrase “<strong>money</strong> doesn’t<br />
make you happy”, and as pious as that may sound,<br />
it really has no place in this modern world where<br />
everything revolves around <strong>money</strong>. Money may<br />
not make some people happy but poverty doesn’t<br />
make anybody happy either. I have never seen a<br />
beggar who lives under a bridge refuse <strong>money</strong><br />
from a passerby. A poor person has not chosen a<br />
life of poverty and destitution, they’re in that<br />
position by circumstance and they’re certainly not<br />
happy about that situation either.<br />
People are not homeless by choice but by<br />
circumstance, and those circumstances eventually<br />
evolved into a financial crisis in their lives which<br />
then led to their homelessness. Money is<br />
extremely important in this world and desiring to<br />
make as much of it as possible does not make you<br />
bad or evil. We really need to break this mentality<br />
which says that it is morally wrong to want to be<br />
rich, especially when your plan is to use those<br />
riches to secure your future and those of your<br />
children and grand children.<br />
45
In an ever more increasingly unstable and<br />
uncertain world we all need to begin to plan multigenerationally<br />
when it comes to our personal<br />
finances, because from the way things are going<br />
there may not be much left for our children in 15<br />
to 20 years time. So, for some of us who are<br />
parents, securing the economic futures of our<br />
children is no longer optional but an absolute<br />
necessity, and in order for us to do this we will<br />
need to learn how to maximise our investment<br />
opportunities and use those opportunities as<br />
vehicles of wealth multiplication.<br />
Most of you are never going to make millions of<br />
dollars from your current jobs or businesses,<br />
however, you can take part of your income and<br />
invest it in areas that can make you a lot of<br />
<strong>money</strong>, and in this edition of “Money Speaks” we<br />
will unearth some of these wealth multiplying<br />
vehicles.<br />
46
DREAM ACADEMY<br />
REDEFINING THE ACADEMIC EXPERIENCE<br />
20<br />
47
DREAM ACADEMY<br />
Dream Academy is an international Nursery and Primary school in the<br />
heart of Abuja Nigeria. The Principal and Co-founder of this academic<br />
institution is Engineer Mrs Omonefe Okade, a graduate of Electrical and<br />
Electronic Engineering from Nottingham Trent University in the United<br />
Kingdom. Her passion for education and dissatisfaction for the status quo led<br />
her to formulate a teaching style which enabled her 6 year old Daughter<br />
(Esther Okade) to pass the GCSE mathematics exam at the tender age of<br />
just 6 years of age. Esther is now 9 yrs old, has already passed 3 units in A-<br />
Level mathematics and is preparing to start her Degree shortly...<br />
http://www.bbc.co.uk/news/uk-england-black-country-11091046<br />
Above is a picture of Esther Okade, the 6 year old girl who passed GCSE Maths<br />
which is the UK equivalent for GCE maths<br />
The school is set to launch in September 2014 and as you can imagine, the<br />
spaces are <strong>almost</strong> filled up. To register your child for a place in the next<br />
academic session (September 2014) kindly send an email to;<br />
dreamacademyasokoro@gmail.com, a registration form and a prospectus will be<br />
emailed to you.<br />
21<br />
48
A brand new television station poised to breathe new life<br />
into the Nigerian political environment.<br />
For more details please<br />
at : thepoliticiannigeria@gmail.com<br />
49
As a Nigerian with a strong<br />
entrepreneurial gift, I make it a point of<br />
interest to research or investigate if you<br />
will the lives of other Nigerian<br />
entrepreneurs who are making waves.<br />
Growing up in the United Kingdom as a<br />
child I never really felt at home, and deep<br />
down inside me I knew that my destiny<br />
was in Nigeria and that one day I will be<br />
a major player in the Nigerian business<br />
sector. After I left university I worked in<br />
countless companies and each<br />
experience was a disaster. I never really<br />
fitted in and I didn’t like being an<br />
employee either,<br />
I wanted to be the guy who owns<br />
the company and who makes the<br />
decisions.<br />
It’s a bit like renting a house or buying a<br />
house with a mortgage, I hated both<br />
scenarios because they’re pretty much<br />
the same thing. When you buy a house<br />
using a mortgage the house doesn’t<br />
actually belong to you, although the<br />
banks give you the sense that it does,<br />
and the day you’re no longer able to<br />
meet your monthly payments the bank<br />
will take the house from you. The<br />
mortgage industry is an illusion, and I<br />
BY PAUL OKADE Jr<br />
should know because after all I am a<br />
qualified mortgage broker with over 10<br />
years experience in the industry.<br />
Entrepreneurs are driven by the desire<br />
to control their own destiny. They don’t<br />
want to be at the mercy of an employer<br />
or a bank. They want absolute control<br />
and freedom. When most people write<br />
articles about entrepreneurs they<br />
always seem to allude to them to be<br />
people whose sole desire is to build<br />
large companies and create jobs etc, and<br />
yet that isn’t really the main thing which<br />
makes us tick or our primary motivation,<br />
those are simply by products, as it were.<br />
A genuine entrepreneur is running from<br />
something, and that “something” is<br />
dependency. They don’t want to depend<br />
on anyone or on anything. They have an<br />
insatiable need to be free to do what<br />
they want when they want without<br />
having to answer to anybody.<br />
Entrepreneurs are born, they’re not<br />
made. I know people who have<br />
MBA’s in entrepreneurship and yet<br />
they’re not entrepreneurs and never<br />
will be.<br />
52
What entrepreneurs have inside of<br />
them cannot be taught in business<br />
schools no matter how hard they try<br />
and boy are they trying. Some strange<br />
courses have surfaced now in an<br />
attempt to re-program the minds of<br />
business students in order to turn them<br />
into entrepreneurs but it’s all a farce.<br />
It’s a bit like some of the pop musicians<br />
we have today that have been<br />
completely manufactured by the record<br />
labels and you can’t compare them<br />
with the likes of Michael Jackson,<br />
Whitney Houston or Stevie Wonder.<br />
These musicians are iconic and their<br />
music is timeless, and yet if you ask me<br />
who won American Idol 2 years ago I<br />
couldn’t tell you. That’s how short their<br />
careers are because they were<br />
manufactured. They don’t have the<br />
gene of longevity residing on the inside<br />
of them, because that gene works in<br />
conjunction with another type of gene<br />
called “authenticity”.<br />
The same can be said about<br />
entrepreneurship, it’s a natural gift<br />
and no matter how many business<br />
schools you attend or how many MBA’s<br />
you bag, you won’t stand the test of<br />
time in business if you’re not a natural<br />
entrepreneur.<br />
Jubril Adewale Tinubu is an<br />
embodiment of the entrepreneurial<br />
spirit. A company that he started in his<br />
Fathers garage at the tender age of 26<br />
has grown to become the largest<br />
indigenous oil company in Nigeria,<br />
generating $Billions of Dollars in<br />
annual sales. It takes more than an MBA<br />
to achieve such success, not that Wale<br />
Tinubu has an MBA because he doesn’t.<br />
With interests in the upstream,<br />
midstream and downstream value<br />
chains of the petroleum industry<br />
Oando, the company that Wale built,<br />
has become a Nigerian success story. A<br />
law graduate with a natural flare for<br />
business, he tells the story of how he<br />
wanted to multiply his school fees and<br />
therefore decided to partner with a<br />
friend of his who was importing cars<br />
from Germany to the United Kingdom<br />
and selling them for a healthy profit.<br />
His career in law was short lived and<br />
as he put it and I am paraphrasing “I<br />
wanted to sit on the other side of the<br />
table”, meaning that he wanted to be<br />
the business man and not the lawyer in<br />
the equation. An opportunity came<br />
when a friend of his approached him<br />
for finance to purchase an old 1945<br />
tanker to transport crude oil. They were<br />
able to get a loan for $100,000 at an<br />
interest rate of 10% per month and<br />
bought their first tanker called the<br />
Carolina.<br />
From there they went on to purchase a<br />
further 6 tankers, and as their client<br />
base grew because of their reliability to<br />
always deliver on time so did their<br />
reputation. So, when the opportunity<br />
arose for them to purchase a fledgling<br />
oil company, they did not hesitate.<br />
53
They started their business operations as fuel<br />
marketers in the downstream sector and today<br />
they’re the largest indigenous oil company in<br />
Nigeria with interests throughout the O & G value<br />
chain. They have a staff capacity approaching 1500,<br />
95% of whom are of Nigerian ancestry.<br />
This is a true Nigerian company owned, managed<br />
and ran by Nigerians, and it is a testament to what<br />
young entrepreneurs can achieve with hard work<br />
and a “can do” spirit. Jubril Adewale Tinubu is truly<br />
an inspiration for every young Nigerian with a<br />
dream to build something out of nothing, and he is a<br />
testament to the fact that hard work, honesty and<br />
determination pays off in the end.<br />
As the world begins to seek new energy sources, it<br />
is an economic certainty that fossil fuels will not be<br />
the dominant source of energy in 20 years time.<br />
What Oando’s position will be in a post crude oil<br />
economy is uncertain, but what is certain is that its<br />
CEO is a natural entrepreneur, and with all<br />
entrepreneurs he will undoubtedly find some new<br />
venture to put his hands into.<br />
We wish him the very best and thank him for<br />
having the courage of conviction to step out on<br />
nothing but faith and build the largest indigenous<br />
oil company in Nigeria.<br />
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55
ISAAC<br />
FOUNDATION<br />
Isaac Balami Foundation is a Non Governmental Organization that has a<br />
primary aim of EMPOWERING AND UNITING PEOPLE. The NGO is focused<br />
on empowering the Widows, Youths and Orphans which has the core<br />
objective of Encouraging and promoting peaceful co-existence of citizens<br />
irrespective of ethnic or religious differences.<br />
53<br />
Isaac Balami Foundation has improved the lives of countless individuals<br />
through programs aimed at empowering and uniting the youths and less<br />
privileged irrespective of ethnic or religious differences.<br />
For the past Five Years (5yrs) Isaac Balami Foundation has:<br />
•Organized training for youths in Borno State and also Opobo Local<br />
Government of Rivers State in liquid soap making, carpentry, antiseptics<br />
production, brick laying etc<br />
•Sank boreholes for irrigation in the host community {1 completed and<br />
9 on-going in Michika-Adamawa State plus 5 on-going in Hawul-Borno<br />
South}<br />
•Opened a high-tech musical recording studio for aspiring musicians to<br />
record & produce musical albums directly promoting peaceful coexistence,<br />
national unity and inspiring lyrics at no cost.<br />
•Opened a computer training center where individuals undergo training<br />
and are certified in Computer Skills appreciation<br />
•Undertake in charitable activities for the benefit of the Nigerian<br />
populace<br />
•Opened a Cyber-cafe in the host community, where individuals can<br />
have access to internet and complete their examination forms i.e (SSCE,<br />
JAMB, WAEC, etc) at no cost.<br />
•Gave scholarships at various levels of education to over 400 people<br />
between 2011 to date.<br />
SPONSORS ARE NEEDED FOR THE FOLLOWING PROJECTS;<br />
•ISAAC BALAMI SCHOOL PROJECT<br />
A Nursery, Primary and Secondary School project for orphans. The school<br />
will be located in Shaffa in Borno State, Nigeria and will consist of<br />
boarding facilities and Sports centre. Cost: N50 Million Naira<br />
•ISAAC BALAMI MEDICAL CENTRE PROJECT:<br />
A childrens hospital project in Shaffa in Borno State providing free<br />
medical care to Orphans and Widows. Cost: N30 Million<br />
Kindly make your donations into the following account;<br />
ISAAC BALAMI FOUNDATION<br />
ECOBANK<br />
48 ADENIYI JONES AVENUE, IKEJA, LAGOS<br />
Account number: 2122082608<br />
Block 2, Flat 1, Femi Okunnu Estate, Lekki, Lagos State<br />
Telephone: (+234) 0806 964 8792<br />
Email: info@isaacbalamifoundation.org<br />
Website: www.isaacbalamifoundation.org<br />
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68<br />
57
Far too many people in the world stake their future and indeed the future of their families on the illusion<br />
known as paper or fiat currency which is popularly known as legal tender. Paper <strong>money</strong>, which isn’t backed or<br />
under-girded by anything, is nothing but an accident waiting to happen. There was a time when printed paper<br />
<strong>money</strong> was backed by Gold and it was called the Gold standard. For every $dollar of printed <strong>money</strong> that was in<br />
circulation there was a $dollar’s worth of Gold set aside to guarantee it.<br />
The American government gradually removed the $dollar from the Gold standard until they abolished it completely.<br />
Today the $dollar is not backed by anything, and with America’s debt situation spiralling out of control<br />
with debt figures approaching £20 Trillion $dollar’s, it is only a matter of time before the dollar crashes completely.<br />
The only reason why the dollar has not collapsed is because it is still the currency of international trade, but<br />
even that has not shielded it from the economic quagmire of devaluation and diminishing buying power which<br />
as clearly demonstrated in the table below.<br />
69<br />
Table showing the devaluation of the American dollar over a 100 year period<br />
58
From the table you can see how the American dollar<br />
has depreciated in “real” value i:e purchasing power<br />
by over 25 times. For example, what $1 dollar could<br />
buy in 1900 now requires $25 dollars, or to put it in a<br />
real scenario, if you wanted to buy a house which cost<br />
$1 million dollars in 1900 today,<br />
it will cost you $25 million dollars.<br />
Many people seem to believe<br />
that the more “paper” <strong>money</strong><br />
they have in their bank accounts,<br />
vaults, mattresses and safes, the<br />
more economically secure they<br />
will be and yet that assumption<br />
couldnt be further from the truth.<br />
Paper <strong>money</strong> is not wealth, it is a<br />
means of exchange which means<br />
that it can be used to purchase<br />
wealth. So if paper <strong>money</strong> isnt<br />
wealth then what is?<br />
Wealth is any asset which has the inherent ability to<br />
maintain its value over several generations. The greatest<br />
form of wealth known to Man is “land”. It was<br />
Mark Twain the famous American poet who said and I<br />
quote “Buy land because they’re not making anymore<br />
of it”.<br />
In communities all over the world the value of land<br />
continues to increase from generation to generation.<br />
What your Grandfather paid for a plot of land in 1930<br />
is certainly not what you and I would pay for that<br />
same piece of land today. So if land is valuable then<br />
so is anything built<br />
upon that land. This<br />
now leads me to the<br />
ultimate wealth preservation<br />
vehicle “property”.<br />
The demand for<br />
housing in Nigeria far<br />
outstrips the supply<br />
and this is what has<br />
fuelled the exponential<br />
growth we are seeing<br />
in the real estate sector.<br />
Houses which were<br />
sold last year for N20<br />
million naira are being sold for N40 million a year<br />
later. It is an open secret that Nigeria has one of the<br />
fastest growing real estate sectors in the world and this<br />
is just the beginning.<br />
With a teeming young population which makes up<br />
75% of our 180 million population, the growth in the<br />
real estate market has only just begun.<br />
We are a professional real estate development and management company and our services are second to<br />
none. We will hedge your paper <strong>money</strong> against currency devaluation through the construction, rental and management<br />
of exquisite apartment blocks.<br />
The services we provide are as follows;<br />
• We source the land<br />
• We design the apartment block (Minimum of 12 apartments)<br />
• We build/construct the apartment block<br />
• We seek tenants for the apartments<br />
• We rent out and manage them on your behalf<br />
• You must simply seek back and watch your investment grow<br />
70<br />
59
Our bespoke development model works perfectly on the Airport road axis of Abuja, and here we will develop<br />
the following for our clients;<br />
• 12 (3 Bedroom apartments)<br />
• Fully furnished<br />
• Swimming pool<br />
• Tenis court<br />
• Gymnasium<br />
• Corporate rental<br />
• N1.5 Million rental income per apartment<br />
• We will build this development for N250 Million<br />
71<br />
60
72<br />
61
Upon completion each Apartment will have a market value of<br />
N35 Million Naira, making the entire development value<br />
including swimming pool N500 Million.<br />
For an investment of N250 Million, We will build you an<br />
apartment block valued at N500 Million and giving you an<br />
annual rental income of N18 Million.<br />
There is only one place where you can secure your cash and<br />
that place is real estate<br />
. For further details kindly contact us;<br />
Mr Paul Okade jr<br />
Email: napoleoninvestments@gmail.com<br />
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62
The term “micro-business” seems to put many young Nigerians off because they<br />
have delusions of grandeur and only seem to manage to visualize themselves as<br />
the CEO of a large multinational conglomerate. What these day dreamers don’t<br />
seem to comprehend is that the so-called “Multinationals” that they admire and<br />
in some cases “worship” all started as micro/small businesses.<br />
Facebook, the company that has gone on to dominate<br />
the social media space and currently valued at $80<br />
Billion dollars, was started by an undergraduate as an<br />
online university forum where fellow students can<br />
congregate.<br />
Tesco, the European retail conglomerate with annual<br />
earnings in the $Billions of dollars started as a small<br />
grocery store in England selling fruits and vegetables.<br />
McDonalds, the fast food giant with the largest<br />
market share valued at $47 Billion dollars, started<br />
as a roadside burger bar in a small obscure town in<br />
Carlifornia Usa called San Bernadino.<br />
Richard Branson the Billionaire founder of Virgin<br />
Corporation started his empire by selling records (cd’s to<br />
you young generation), and he could not even afford to<br />
rent an office when he started so he used a public<br />
telephone box to make and receive his telephone<br />
I can go on and on and cite countless examples of companies which are household<br />
names today that started from extremely humble beginnings. The desire from certain<br />
segments of the Nigerian youth to become billionaires in one day is stifling<br />
productivity among the youth. This instant millionaire mindset that refuses to craft a 5<br />
or 10 or even 15 year success plan has become the proverbial “joker in the pack” in the<br />
youth transformational agenda. Everybody wants their Range Rover sport and Bentley<br />
today and they don’t want to consider any business or opportunity that does not<br />
gratify instantly.<br />
66
They don’t want to “sow<br />
today” and “reap<br />
tomorrow”, instead they’re<br />
looking for the scheme that<br />
will make them an<br />
overnight so-called “big<br />
boy”, and such a mentality<br />
will not solve the<br />
unemployment/economic<br />
crisis hitting our nation.<br />
What Nigeria needs at this<br />
time is a generation of<br />
young people who are<br />
willing to put their hands to<br />
the plough and work,<br />
knowing full well that they<br />
may not be instantly<br />
gratified. Every business<br />
takes work and time in<br />
order to become successful<br />
and just like the examples I<br />
have stated above such as<br />
McDonalds, Facebook ,<br />
Virgin and Tesco, the youth<br />
of Nigeria can take solace in<br />
the knowledge that hard<br />
work definitely pays off in<br />
the end.<br />
The youth should<br />
stop following the<br />
Jones’s by living<br />
beyond their means<br />
in an attempt to<br />
keep up with their<br />
peers. They don’t<br />
have to buy the<br />
latest phone or<br />
drive the latest car,<br />
but rather they<br />
should learn to<br />
invest and re-invest<br />
their <strong>money</strong> until<br />
they get to a place<br />
(economically)<br />
where they can buy<br />
those things<br />
without flinching.<br />
67
The litmus test for economic<br />
expenditure is as follows;<br />
• If you have not yet built your own house<br />
then you should not drive a car worth more<br />
than N2 Million Naira<br />
• Before you spend N10 Million Naira on a<br />
car, you should make sure that you have at<br />
least N100 Million Naira in the bank. Cars<br />
are not investments but liabilities and they<br />
lose value quickly. If you buy a brand new<br />
car for N20 Million Naira today you can rest<br />
assured that within 1 year that car would<br />
have lost <strong>almost</strong> 40% of its value. That<br />
means that you would have lost close to N8<br />
Million Naira in just 1 year<br />
• Live below your means and stop following<br />
the Jones’s. You don’t always have to buy<br />
the latest phone in the market and besides,<br />
new phones come out every month so you<br />
can never win that race no matter how hard<br />
68
I have said repeatedly in many<br />
of my previous writings on this<br />
subject that we need to take our<br />
eyes off the Western economic<br />
models and turn our gaze<br />
towards China. It is not<br />
coincidental that former<br />
economic powers such as the<br />
United States of America and<br />
several European Nations are<br />
now crumbling. This is the<br />
consequence of taking a short<br />
cut approach to economic<br />
growth. America used to be a<br />
manufacturing giant, and long<br />
before China came on the scene<br />
the world consumed American<br />
made products, and where<br />
doing so until Americans turned<br />
their gaze from manufacturing<br />
and unto the financial markets<br />
and “Wall Street” took over<br />
from “Main Street”.<br />
Greedy and unscrupulous<br />
bankers realized that they could<br />
make Trillions of dollars<br />
speculating and manipulating<br />
stocks and therefore did not see<br />
the need to invest in<br />
manufacturing or in new<br />
technology.<br />
The bursting of the dot com<br />
bubble in early 2000 is a prime<br />
example of this new economic<br />
reality that continued right up to<br />
the bursting of the real estate<br />
bubble in 2008 and beyond.<br />
Nothing has changed since then<br />
either, it’s as if the western<br />
democracies are deliberately<br />
trying to destroy their<br />
currencies and their ailing<br />
economies because the<br />
proverbial definition of a lunatic<br />
is somebody who “keeps doing<br />
the same thing over and over<br />
again and each time expecting a<br />
different result”. Whilst the<br />
western democracies were busy<br />
69<br />
speculating and gambling on<br />
the stock market china was busy<br />
manufacturing “real” products<br />
and selling them to the rest of<br />
the world. The Chinese also kept<br />
their currency weak so as to<br />
make their products affordable<br />
to the global economy. This in a<br />
nutshell was how China<br />
dominated the global<br />
manufacturing sector.<br />
It may have taken China many<br />
years to become the world<br />
economic super power but at<br />
least they have now achieved it,<br />
and their economy is built on<br />
the collective labours of microindustrialists.<br />
China has dollar<br />
reserves in the Trillions where<br />
as America and most European<br />
nations are in debt up to their<br />
eye balls. America cannot<br />
possibly pay back its debts,
it has gone pass the point of no return and the day the international community decide to dump the<br />
dollar and make the Chinese Yuan the currency of international trade will be the day that the reality<br />
of America’s economic woes will become plain for all to see.<br />
Micro-businesses are the drivers of China’s economic renaissance and can equally be the same for<br />
Nigeria’s youth. The economic potential of the micro-business model is endless, and with start up<br />
capital for many of these ventures as low as N50,000 ($350 dollars) in many rural communities, it<br />
is an initiative that the Federal and State governments can really get behind. An initial target of 1<br />
million youths across the 36 states of the Federation should be set. If the Government (State and<br />
Federal) enable 1 million young Nigerians to start micro-businesses and then mandate each of them<br />
to create 10 jobs each within 4 years, then this initiative alone will add an additional 10 million new<br />
jobs to the economy.<br />
Micro-business initiatives are a win-win for both the government<br />
and its citizens because of the following reasons;<br />
• Microfinance is a loan and not a gift so the government<br />
(State and Federal) and all other investors who participate in<br />
the funding of the scheme will earn interest on their<br />
respective investments<br />
• The government will earn further revenue through the<br />
corporate and personal income tax that these new<br />
businesses and their employees will pay<br />
• Entire States will be transformed as a result of the millions<br />
of new jobs this initiative would create<br />
• Crime amongst the youth will be drastically reduced<br />
• WE CAN CREATE 10 MILLION NEW JOBS IN JUST 4 YEARS<br />
70
Gone are the days when statements such as the<br />
“the youth are the future” still held sway<br />
because out of Nigeria’s 150 million population<br />
approximately 100 million are below the age of<br />
30, so it has become ever so clear going by these<br />
statistics, that the youth are no longer the<br />
“future” but rather they’re the “present”.<br />
The youth are now the dominant force in the<br />
nation as they represent the largest age group.<br />
100 million young people who desperately need<br />
to know that their government has their best<br />
interests at heart occupy the land. Every single<br />
year thousands of young Nigerians graduate<br />
from university and are added to the ever<br />
expanding list of those who are “educated and<br />
unemployed”. When you add this figure to the<br />
“uneducated and unemployed” segment of the<br />
society, then you will realise that as a nation, we<br />
are sitting on a time bomb.<br />
Restlessness is synonymous with youth, and if<br />
this idle army of young fire brands do not enter<br />
some sort of gainful employment or self<br />
employment very soon, then we could have a<br />
revolution in our hands. The unemployment<br />
situation amongst the youth can no longer be<br />
used simply as a topic for discussion around the<br />
71<br />
dinner table or as the catalyst to stimulate the<br />
intellectual orgasms of a few economists who<br />
spend their days perusing financial data and<br />
pontificating (on a solely academic level) about<br />
the economic realities of our time; it’s time to<br />
act and we must act quickly before it is too late..<br />
The proposal which I have outlined in this<br />
presentation can solve this problem if acted<br />
upon. The last thing we need is yet another<br />
unproductive youth conference where people<br />
simply attend in order impress each other with<br />
their knowledge of the English language and<br />
spout out phrases such as “paradigm shifts” and<br />
after all that talk, the economic realities of our<br />
youth remain unaltered. We <strong>final</strong>ly have a<br />
strategy which has the potential to solve the<br />
unemployment epidemic besieging our nation<br />
and revitalise our young and extremely dynamic<br />
population.<br />
The youth have become understandably<br />
apathetic with the conduct of our political class<br />
and very few of them believe that their<br />
government actually cares about them or their<br />
well being, but I am convinced however that if<br />
the above strategy is implemented nationwide,<br />
this prevailing apathy will dissipate and a<br />
reconnect between the youth (who now make up<br />
the majority of our population) and the Federal<br />
and State government officials would occur.
The youth of Nigeria cannot wait any longer, now is the time for the government to act. Now is the<br />
time for the present administration to show the Nigerian youth that they care about them and about<br />
their futures. It is make or break time for our young people and as western democracies continue to<br />
increase their efforts to reduce the number of foreigners they allow into their countries, it has now<br />
become fully apparent that Europe and America are no longer welcoming places for Nigerian’s and<br />
as such, our youth no longer have an escape route. Nigeria must work, the transformational agenda<br />
can no longer be just a political cliché, but it must become a tangible reality that will benefit<br />
multiplied millions of our young people who are now at breaking point. May God bless the<br />
Goodluck Ebele Azikiwe Jonathan administration and may God bless the Federal Republic of<br />
Nigeria.<br />
72
FINANCIAL INTELLIGENCE IN THE NEW ECONOMY<br />
In this high impact 1 day seminar you will be taught the following;<br />
Mortgage and Real Estate financing<br />
How to create Wealth<br />
How to protect your wealth<br />
The history of the American Dollar<br />
What is inflation<br />
How currency works<br />
History of <strong>money</strong><br />
Gold and silver the currency of the new economy<br />
The difference between <strong>money</strong> and wealth<br />
GDP and balance of payments<br />
Stocks and Shares<br />
Bond Market<br />
Central Bank and interest rates<br />
Boom and bust economic cycles<br />
Credit crisis (What caused it)<br />
Why the rich are getting richer<br />
COST: N75,000 PER PERSON<br />
GROUP DISCOUNTS ARE AVAILABLE<br />
CONTACT:pedakogroup@gmail.com<br />
73
Mortgage and Real Esta<br />
How to create Wealth<br />
How to protect your we<br />
The history of the Amer<br />
What is inflation<br />
How currency works<br />
History of <strong>money</strong><br />
Gold and silver the curr<br />
The difference between<br />
GDP and balance of pay<br />
Stocks and Shares<br />
Bond Market<br />
Central Bank and intere<br />
Boom and bust econom<br />
Credit crisis (What caus<br />
Why the rich are getting<br />
COST: N75,000 PER PE<br />
GROUP DISCOUNTS AR<br />
CONTACT:pedakogro<br />
FINANCIAL INT<br />
In this high impact<br />
74
76<br />
okadehouse@yahoo.com
We provide mortgage advice to individuals and companies coupled with first class<br />
training on all aspects of the mortgage industry for mortgage brokers and financial<br />
institutions respectively. In recent years, we have also developed additional courses<br />
that reflect the post-credit crunch mortgage environment. Courses such as<br />
Securitization, the credit crisis and currency and the Gold standard, are courses that<br />
directly addresses the dangers surrounding currencies that have no asset backing and<br />
the economic dangers associated with quantitative easing i:e its impact on inflation,<br />
currency valuation and so much more.<br />
THE HISTORY OF THE MORTGAGE<br />
INDUSTRY<br />
• HOW MORTGAGES BEGAN<br />
• THE PRINCIPLE OF LEVERAGING<br />
• JUSTIFYING DEBT<br />
• MODERNISATION AND ITS INFLUENCE ON THE<br />
MORTGAGE INDUSTRY<br />
• THE RISE OF THE MIDDLE CLASS<br />
MORTGAGE VARIATIONS<br />
• RESIDENTIAL MORTGAGES<br />
• BUY-2-LET MORTGAGES<br />
• COMMERCIAL MORTGAGES<br />
• BRIDGING AND SHORT TERM MORTGAGES<br />
• HOME REVERSION SCHEMES<br />
• HOME INCOME PLANS<br />
• MURABAHA (COST PLUS MORTGAGES)<br />
• IJARA (LEASE TO OWN MORTGAGES)<br />
COST OF LENDING<br />
• UNDERSTANDING INTEREST RATES<br />
• BASE RATE LENDING<br />
• LIBOR (LONDON INTER-BANK OFFERED RATE)<br />
• FIXED RATE MORTGAGES<br />
• TRACKER RATE BORROWING<br />
• INTEREST ONLY REPAYMENT SCHEME<br />
• CAPITAL AND INTEREST REPAYMENT SCHEME<br />
• THE ROLE OF INFLATION IN DETERMING INTEREST<br />
RATES<br />
78
CREDIT SCORING AND RISK<br />
MANAGEMENT<br />
• HOW TO DETERMINE A BORROWER’S CREDIT<br />
WORTHINESS<br />
• CREDIT SCORE FUNDAMENTALS<br />
• ASSESSING THE DEBT TO INCOME RATIO<br />
IDENTITY AND MONEY<br />
LAUNDERING<br />
• VALIDATION OF BORROWERS<br />
IDENTITY<br />
• VALIDATION OF BORROWERS<br />
RESIDENCY<br />
• VERIFICATION OF BORROWERS<br />
DEPOSIT<br />
• IDENTITY FRAUD: DETECTION AND<br />
PREVENTION<br />
• ELECTRONIC IDENTIFICATION<br />
INSURANCE AND PROTECTION<br />
• BUILDINGS INSURANCE AND ASSET<br />
PROTECTION<br />
• PROTECTION OF BORROWERS INCOME<br />
(ASU)<br />
• LIFE INSURANCE<br />
79
REAL ESTATE INVESTMENT<br />
• VALUATION GUIDELINES<br />
• CHARTERED SURVEYORS AND THEIR ROLE<br />
• LOAN TO VALUE ASSESSMENT<br />
• GENTRIFICATION<br />
• ASSET APPRECIATION STRATEGIES<br />
• THE REAL ESTATE BUBBLE<br />
THE ROLE OF THE LAWYER<br />
• CONVEYANCING, THE FUNDAMENTALS<br />
• TITLE DEEDS AND REGISTRATION<br />
• LAND SEARCHES<br />
• MONEY LAUNDERING<br />
• TENURE (LEASE HOLDS, FREEHOLD'S AND<br />
COMMONHOLD'S)<br />
• DRAWING DOWN AND LEGAL COMPLETION<br />
• PURCHASE CONTRACTS<br />
THE CREDIT CRISIS<br />
• WHAT CAUSED THE CREDIT CRISIS?<br />
• FUNDAMENTALS OF THE SUB-PRIME<br />
MORTGAGE STRATEGY<br />
• GREED AND ITS DESTRUCTIVE ROLE IN THE<br />
CREDIT CRISIS<br />
• THE CREDIT CRUNCH AND CREDIT<br />
AVAILABILITY<br />
• QUANTITATIVE EASING; PRO'S AND CON'S<br />
• THE FUTURE OF THE MORTGAGE INDUSTRY<br />
• THE BOOM AND BUST CYCLE<br />
• THE NEED FOR REGULATION<br />
80
SECURITIZATION<br />
• CREDIT SPREADS<br />
• THE BOND MARKET<br />
• MORTGAGE BACKED SECURITIES<br />
• CREDIT DERIVATIVES<br />
• THE ROLE OF HEDGE FUNDS IN<br />
SECURITIZING DEBT<br />
• THE NEED FOR REGULATION<br />
OIEC'S AND UNIT TRUSTS<br />
• COLLECTIVE INVESTMENT<br />
• REGULATION<br />
• STRUCTURE OF UNIT TRUSTS<br />
• TAXATION OF DIVIDENDS<br />
• VALUATION OF UNITS<br />
• DILUTION ADJUSTMENTS<br />
• WHEN TRUSTS BECOME LENDERS<br />
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ADVERTISING RATE CARD<br />
To advertise in Money Speaks magazine, the rates are as follows;<br />
•Full page [inside front cover]: N1.2 Million Naira<br />
•Full page: N750k<br />
•Half page: N400K<br />
•Quarter page: N250K<br />
•Classified section: N100K<br />
•Full page [Inside back cover]: N1.2 Million<br />
•Full page [Back cover]: N2 Million<br />
•The cost includes the design of the advert.<br />
To advertise in the next edition of “Money Speaks” contact us at;<br />
<strong>money</strong><strong>speaks</strong>@gmail.com Or call us on the following numbers;<br />
In Nigeria: Webland Visionz LTD c/o Mohammed Ibrahim: 0803 472<br />
3742 In the UK: Napoleon investments: +44 207 566 4057<br />
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PUBLISHED BY<br />
OKADE<br />
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