Nigerians are creative shaaa


In 1990, Shina Peters built a house with N20 million naira; the same year Jim Ovia started Zenith Bank with the same amount.
Today, you and I don't have a room in Shina's house but I have an account in Jim's bank and probably you do too.
Shina's house was built in Iju Lagos and remains there till date.
Jim's bank started in a corner and now has over 500 branches in Nigeria, and many international branches.
Millions upon millions transact business in Jim's bank daily.
Shina's house is becoming dilapidated…in 2015, he SPENT more money to renovate the house and bought a Nissan Pathfinder with N10 million…additional liability, while in the same 2015, Jim's bank MADE a profit of N105.7 billion. 
Zenith bank employs hundreds of thousands, and feeds their families.
This is the difference between Assets and Liability. If you buy a car for N20 million today, in 20 years time, you will be ashamed to drive it. On the other hand, if you invest that same amount in a lucrative business or in an asset, It may be worth billions in 20 years. ( Jim Ovia is now worth $980 million dollars, with the official dollar rate of N320, that means he is worth N313 BILLION NAIRA because of an investment of N20 million).
Spend the little money you have today wisely. Some people driving expensive cars today, are not aware that they are driving their future and the future of their children. Some people carrying iphone7 today, may not be aware that they are carrying their future. 
When you are young, don't spend money. Invest it. 
Every penny in your hand is like a seed, you can decide to eat it, or sow it. When you sow it, it will bear much more seeds later in future.
If this post make sense to you, please encourage someone else by sending to them.
Let's be wise.

So strange about forty

This question got to me this morning and I am looking for someone to help unravel the answer . If you have time answer me 

Why Noah made the Ark in 40 days, why the rain/storm lasted for 40days, Why the Israelites walked through the desert for 40 years , Why the tower of barbel was built in 40 days, Why Jesus Christ fasted for 40days, and He ascended to heaven after 40 days. Why Easter is celebrated after 40 days. And they say Life begins at 40.  
Even Pass mark starts at 40. And they also say "A fool @ 40 is a fool forever". 
 What's so special about 40?
If you don't have an answer, please send to others we might get an answer.

🍏 *Eating Fruit on Empty Stomach 🍌


*Eating Fruit on Empty Stomach*
This will open your eyes ! Read to the end; and then, send it to others on your list as I just did to u!
Dr Stephen Mak treats terminal ill cancer patients by an "un-orthodox" way and many patients recovered.
Before he used solar energy to clear the illnesses of his patients, he believes on natural healing in the body against illnesses. See his article below.
It is one of the strategies to heal cancer. As of late, my success rate in curing cancer is about 80%.
Cancer patients shouldn't die. The cure for cancer is already found – *its in the way we eat fruits.*
It is whether you believe it or not.
I am sorry for the hundreds of cancer patients who die under the conventional treatments.
We all think eating fruits means just buying fruits, cutting it and just popping it into our mouths.
It's not as easy as you think. It's important to know how and *when* to eat the fruits.
What is the correct way of eating fruits?
If you eat fruits on empty stomach, it will play a major role to detoxify your system, supplying you with a great deal of energy for weight loss and other life activities. 
Let's say you eat two slices of bread and then a slice of fruit.
The slice of fruit is ready to go straight through the stomach into the intestines, but it is prevented from doing so due to the bread taken before the fruit.
In the meantime the whole meal of bread & fruit rots and ferments and turns to acid. 
The minute the fruit comes into contact with the food in the stomach and digestive juices, the entire mass of food begins to spoil.
So please eat your fruits on an *empty stomach* *or before your meals !*
You have heard people complaining : 
Every time I eat watermelon I burp, when I eat durian my stomach bloats up, when I eat a banana I feel like running to the toilet, etc.. etc..
Actually all this will not arise if you eat the fruit on _an empty stomach._
The fruit mixes with the putrefying of other food and produces gas and hence you will bloat !
Greying hair, balding, nervous outburst and dark circles under the eyes all these will *NOT* *happen if you take fruits on an empty stomach.*
There is no such thing as some fruits, like orange and lemon are acidic, because all fruits become alkaline in our body, according to Dr. Herbert Shelton who did research on this matter. 
If you have mastered the correct way of eating fruits, you have the *SECRET of beauty, longevity, health, energy, happiness and normal weight.*
When you need to drink fruit juice – *drink only fresh fruit juice,* NOT from the cans, packs or bottles.
Don't even drink juice that has been heated up. 
Don't eat cooked fruits because you don't get the nutrients at all. 
You only get its taste.
Cooking destroys all the vitamins.
But eating a whole fruit is better than drinking the juice.
If you should drink the fresh fruit juice, drink it mouthful by mouthful slowly, because you must let it mix with your saliva before swallowing it. 
You can go on a 3-day fruit fast to cleanse or detoxify your body. 
Just eat fruits and drink fresh fruit juice throughout the 3 days.
And you will be surprised when your friends tell you how radiant you look !
*KIWI fruit:*
Tiny but mighty. 
This is a good source of potassium, magnesium, vitamin E & fiber. Its vitamin C content is twice that of an orange.
An apple a day keeps the doctor away? 
Although an apple has a low vitamin C content, it has antioxidants & flavonoids which enhances the activity of vitamin C thereby _helping to lower the risks of colon cancer, heart attack & stroke._ 
Protective Fruit. 
Strawberries have the highest total antioxidant power among major fruits & protect the body from cancer-causing, blood vessel-clogging and free radicals. 
Sweetest medicine. 
Taking 2-4 oranges a day may _help keep colds away, lower cholesterol, prevent & dissolve kidney stones as well as lessens the risk of colon cancer._
Coolest thirst quencher. Composed of 92% water, it is also packed with a giant dose of glutathione, which _helps boost our immune system._
They are also *a key source of lycopene the cancer fighting oxidant.*
Other nutrients found in watermelon are vitamin C & Potassium. 
Top awards for vitamin C. They are the clear winners for their high vitamin C content.
Guava is also rich in fiber, which _helps prevent constipation._
Papaya is rich in carotene; this is _good for your eyes._
*Drinking COLD water or drinks after a meal = CANCER*
Can you believe this ?
For those who like to drink cold water or cold drinks, this article is applicable to you. 
It is nice to have a cup of cold water or cold drinks after a meal.
*However, the cold water or drinks will solidify the oily stuff that you have just eaten.*
*It will slow down the digestion.*
*Once this 'sludge' reacts with the acid, it will break down and be absorbed by the intestine faster than the solid food.*
*It will line the intestine.*
*Very soon, this will turn into FATS and lead to CANCER !*
_*It is best to drink hot soup or warm water after a meal.*_
Let's be careful and be aware. The more we know the better chance we could survive.
A cardiologist says: 
if everyone who gets this mail sends it to 10 people, you can be sure that we'll save at least one life.
So lets do it

Let every child participate in the fun

This is nice buy kindly endeavor to feature all the pupils participating in the exercise either class by class to avoid emotional disturbances for the pupils back at home. 

Most pupils go through the page on their parents phone and when they discovere their picture is not inclusive, they get so offended, I think we should device means of getting all the children in the capturing and then post not at the demand of each parent.
Every child is important.
God bless our labour.

What is your school policies on debt recovery and fee prompt payments

Priorities and school culture.
Most parents owe because the school culture permits it, the school has no firm policy on payment of school fees and dues, even if they have they are not firm with it thereby giving the parents room to owe them.
Despite the economic conditions I know a lot of private schools that as at the 2nd week of resumption they already have 90% payment and the remaining 10%is usually accounted for before the end of the 3rd week.
What is your school vision?
Do your parents share your school vision with you?
Do your parents believe in your vision?
What type of school are you running?
Do you still as a school owner collect your fee yourself?
Give them reasons why they shouldn't owe.

*submission by Coach Rofiat*

Top 3 strategies for dealing with unpaid school fees

*Top 3 strategies for dealing with unpaid school fees*
1. Address Defaults Early with Parents

Parents are almost always able to meet Private School Tuition Fees at the start of a student’s enrolment. However, the circumstances of parents can change very rapidly, and may not occur with any malicious intent of the parent.

A default in Tuition Fees may arise out of other difficult family circumstances, including an unexpected redundancy, family law proceedings or increased medical expenses to address a serious illness. These circumstances usually also have an effect on a student’s education.

Picking up on a default early, and maintaining open and frank discussions between the School and the parent, allows for alternative suitable agreements to be put in place.  These documents do not prejudice the strict legal rights of the School or College if they are conducted on a “Without Prejudice” basis.

For example, if a parent is in default due to increased legal spend as Family Law Proceedings are afoot, it may be possible to reach agreement for alternative suitable arrangements (e.g. School Fees are deferred and paid out of a Family Property Settlement).

Engaging early with parents may not just prevent unpaid School Fees from “spiralling out of control”, but allow a School to pre-empt any future legal issues that may arise out of the family’s changing circumstances (e.g. it is common for Schools to get unnecessarily caught in the middle of Family Law Proceedings).

In our experience, un-addressed defaults are the ones at risk of “spiralling out of control”. A parent’s capacity to repay is reduced as additional costs are added to the debt, or other debtors commence recovery action against the parent.

2. Involving a Lawyer

Retaining a lawyer has a number of added benefits over retaining a debt collector.

Receiving a Letter of Demand from a lawyer on their letterhead is usually a firm reminder to the debtor of the seriousness of an unpaid debt. Such a letter will usually remind the debtor that an unpaid debt gives rights to the School to commence Legal Proceedings.

In the event the Letter of Demand is ignored, a Lawyer is able to assist the School in escalating legal proceedings in pursuit of the debt. A debt collector will need to engage Lawyers to do this.

Lawyers are also highly regulated by strict ethical duties (although Debt Collectors are also highly regulated). This assists in the preserving the reputation of the School.

A Lawyer also has a better understanding of associated legal risks, and are able to advise you on preparing enforceable agreements if alternative payment terms are agreed upon with the parent.

3. Enrolment Contract Review

Having a clearly worded and enforceable Enrolment Contract can be an effective deterrent against potential defaults.

For a School, it is important to review the Enrolment Contract from an enforcement perspective. Steps should be taken to ensure that an Enrolment Contract is able to be relied upon to enforce matters such as (without limitation):

Payment of up-front monies;Termination in event of un-remedied default;Payable notice in the event of early termination by parent;Interest payable on unpaid monies; andPassing on additional costs of recovery (i.e. legal fees).