THE BEST TIME TO START THINKING ABOUT YOUR RETIREMENT

1. One day you will retire. You won't be going to work. You won’t have office power any more. No influence or at best, a reduced influence. Your cash flow will also reduce.! Check retirement date on your payslip.
2. Always go for your 30days annual leave.
Whatever you do during your leave, is what you will be doing when you retire. If all you do is to sleep or watch football , then that’s what you are likely do do in your retirement. Remember the book of Proverbs. A little sleep and a little slumber, so shall your poverty multiply.
Watching Bayern munchen  and  Liverpool  matches  , will not save you heartache in retirement. Learn a trade or a skill during your leave. It will come handy. Spend your after-office hours learning something. Don’t spend it sleeping, Gossiping, watching soaps !! Same goes for your weekend. Make them productive. You will thank yourself for spending your time productively.
3. Invest for your retirement...
Your children are not retirement investment. Don’t bank on your children’s support or the support of friends or relations. That’s a BIG risk. It may not happen. Be ready to take care of yourself!! Everyone has his own responsibilities. They won’t be able to help you that much. You will also lose your dignity and respect if you adopt a life of begging.
4. Start a hobby early in your working days to take you along when you retire. Rearing chicken, farming or own a shop. Acquire marketable skills ( not useless paper certificates) Etc
5. Where shall you retire. Build yourself a home. Don't retire and start to rent a house or refuse to vacate government house. You will be at the mercy of your landlord at a time when your cash flow is not only reduced but unpredictable!!
6. Who shall be your dependants. By the time you retire, your children should be above 18, and self reliant.
7. Don't retire and stay in a big city unless you can TRULY afford it.
You can't continue living in a big city after 60 with limited financial resources. The language and the hustle will be hard for you. Where possible, Relocate to a less expensive town where your reduced take home (pension) can go further.
8. Have property which can be rented or converted into cash.
Have shares that pay good dividends. Plant cash trees. Rear goats, cultivate vegetables etc. these activities will not only give you income but will also keep you healthy.
9. Live a simple life.
If you never built a house at your rural home, dont use your retirement package to build. It is unwise unless you plan to live there on a permanent basis or you are super rich and therefore can afford the luxury. The choice is yours.
Note that many of retirees die early because of the following:
1. They are Not mentally prepared to retire.
2. Lack of finances
3. They Lapse into Depression
4 They develop Hypertension/ Diabetes because of worries, anxiety and uncertainty "and financial pressures.
10. Loss of friendships
Men tend to be loners more than women. Most women have a wide circle of friends in the community as well as in the workplace. For men, it can be limited to the workplace.

     Many government officials from top to down and business owners have been planning to retire for years. Yet, as they get closer to that magic date, anxiety about a wide range of issues often makes people question their decision to quit working.
Even though they’ve saved plenty of money, they may find it hard to make the transition into this new way of life .Young people should help those old people to understand that their financial plan is built for the long haul, it’s often helpful to step out of the numbers and address their fears. I’ve discovered that when a person makes a transition into retirement, they are often confronted with the reality that money management is not a math problem, it’s a battle “between the ears.” So, we need to connect the technical knowledge about finances with their personal fears to help them focus on what matters most to them.

YOUR DESK AT YOUR WORK PLACE IS NOT PERMANENT. ALWAYS PLAN FOR YOUR RETIREMENT.

REASONS WHY WIVES SHOULD EARN THEIR OWN MONEY TOO

No matter how wealthy a husband is, it is best the wife should also earn her own money. Whether through employment, or business. Whether she earns more money than him, she needs to earn her own money . Why do we say so ?
1."TO TAME THE HUSBAND"
Some men or most men often cheat and feel like they can get away with cheating on a woman who has no financial muscle. These men who cheat know that the woman can do nothing without him and so she will stay home with the child/children regardless of how bad he treats her. The first thing a man who is cheating and destroying a woman does is to financially strangle her. When a man has a wife who is financially capable of standing on her own, he tends to be in his good behavior because he knows she can walk out the moment he cheats, even with the child/children because she is capable. Men rarely mess with empowered women, such a woman can stand up to him. Wives with no finances, put up with all the evil done to them because they have been locked out of outside help and contact; their life is at home, no matter how toxic that home is
2. FOR PERSONAL FULFILLMENT .
In as much as men have dreams and feel fulfilled as they pursue them, women have dreams too. The same joy a man feels when providing for his family, building, funding projects; the woman should feel that too. Just like a man, when a woman does her dream job, lives her dreams, earns money and contributes to society; she feels more confident and filled with dignity
3. TWO ARE BETTER THAN ONE .
A man is great by himself, but with his wife, he is greater; and so is the woman. When both husband and wife combine forces, they have better returns. More money never hurts a family that knows how to use money
4. TO PURSUE HER CAUSES .
We all as individuals have a personal cause we want to take care of in society. A woman might feel passionate about the environment, the arts, cyber security, orphans, leadership, fashion, health. When she has her own money that she has earned, after using part of the money in the family and marriage; she can finance those personal causes without begging for her husband to believe in and fund what she is so passionate about. Having her own money empowers her
5. FOR STABILITY .
Yes, storms happen in life. The husband can become broke, retrenched, his business can suffer huge losses or even worse, he could get sick or involved in an accident. When the productivity of the husband gets negatively affected or paused, the wife can step in even more and make sure the needs of the family are still met
6. TO MAKE GOOD USE OF HER SKILL .
She was taken to good schools; Primary to High School, maybe even University. Perhaps she has a Degree, Masters or PhD. Life has also taught her a lot and she has gained many skills and much wisdom; surely, all that should be put into productive use. Lady, don't waste your life away. Get out there and get involved. Work
7. TO REDUCE OVER-DEPENDENCE ON THE MAN .
Instead of her constantly turning to her husband and asking money for hair, make-up , food, clothes, sanitary pads. She can be interdependent. Yes, interdependent because lady, just because you earn your own money doesn't mean you two don't need each other. He is still your husband. You are in this together. The husband feels good when sometimes the wife says "Relax honey, I got this!" Now that is a Queen.
8. TO MODEL TO THE CHILDREN .
When mom is earning and is successful in her career or business; the son learns that women are not weak and that they can work hard just like men. The daughter learns to believe in herself and dream big dreams. 'If mum can do it, so can I' she thinks
9. TO BE AT PAR WITH HER HUSBAND .
Many husbands eventually find their housewife not as challenging, the two drift apart. That is because, as the husband works and earns, he grows in many ways professionally, socially, mentally and physically. But the housewife, all her life is largely about children, and house chores. Conversations with her are not as engaging as with the people outside who are working or in business. The wife should find something challenging to do, even if it means running an online business or selling fruits at home. As she engages in more than household matters, she grows, just like the husband is growing
10. SHE IS MORE THAN A WIFE AND A MOTHER .
A woman is capable of not just being a good wife and mother, but also a good social leader, business person, career woman, public figure, activist, scholar. She can balance it all. She has so much potential. There is more to her than being a wife and mother. She was created with a destiny to realize.

DON'T DRINK ANY ALCOHOL IF YOUR PREGNANT

Alcohol syndrome is a condition in a child that results from alcohol exposure during the mother's pregnancy. Fetal alcohol syndrome causes brain damage and growth problems . The problems caused by  alcohol syndrome vary from child to child, but defects caused by alcohol syndrome are not reversible.
        There is no amount of alcohol that's known to be safe to consume during pregnancy. If you drink during pregnancy,
You place your baby at risk of fetal alcohol syndrome.
If you suspect your child has fetal alcohol syndrome, talk to doctor as soon as possible. Early diagnosis may help to reduce problems such as learning difficulties and behavioral issues.
SYMPTOMS.
The severity of fetal alcohol syndrome symptoms varies, with some children experiencing them to a far greater degree than others. Signs and symptoms of fetal alcohol syndrome may include any mix of physical defects, intellectual or cognitive disabilities, and problems functioning and coping with daily life.
PHYSICAL DEFECTS MAY INCLUDE:
 small eyes, an exceptionally thin upper lip, a short, upturned nose, and a smooth skin surface between the nose and upper lip
Deformities of joints, limbs and fingers
Slow physical growth before and after birth
Vision difficulties or hearing problems
Small head circumference and brain size
Heart defects and problems with kidneys and bones
Brain and central nervous system problems
Problems with the brain and central nervous system may include:
*Poor coordination or balance
*Intellectual disability, learning disorders and delayed development
*Poor memory
*Trouble with attention and with processing information
*Difficulty with reasoning and problem-solving
*Difficulty identifying consequences of choices
*Poor judgment skills
*Jitteriness or hyperactivity
*Rapidly changing moods
*Social and behavioral issues
*Problems in functioning, coping and interacting with others may include:
DIFFICULT IN SCHOOL.
Trouble getting along with others
Poor social skills
Trouble adapting to change or switching from one task to another
Problems with behavior and impulse control
Poor concept of time
Problems staying on task
Difficulty planning or working toward a goal
WHEN TO SEE A DOCTOR.
If you're pregnant and can't stop drinking, ask your obstetrician, primary care doctor or mental health professional for help.
Because early diagnosis may help reduce the risk of long-term problems for children with fetal alcohol syndrome, let your child's doctor know if you drank alcohol while you were pregnant. Don't wait for problems to arise before seeking help.

PRAY AND LET GOD WORRY

flowers doesn't think of competing with the flowers next to them , it just blooms...
Don't feel bad if someone rejects you. People usually reject expensive things because they can't afford them.
 If you made a mistake it means, there's always another chance for a fresh start; for this thing we call failure is not the falling down, but the staying down. Get up.
I do not know the key to success, but the key to failure is trying to please everybody. The ultimate in wisdom is to live in the present, plan for the future and profit from the past. I learned that courage was not the absence of fear, but the triumph over it. The brave man is not he who does not feel afraid, but he who conquers that fear.
There isn't any questioning the fact that some people enter your life, at the exact point of need, want or desire - it's sometimes a coincendence and most times fate, but whatever it is, I am certain it came to make me smile
God does not give you wealth(material ), He gives you the wisdom to make it and maitain it. All that you need is in you in form of a thought, a suggestion or a picture at the back of your mind. Write down those ideas, work on those ideas, the idea is a seed and one day you shall eat the fruit!

Sex is not just sex

S..x is not just going to bed ,  s...x is more of soul ties.
When you sleep with different men or ladies,
you tie your soul with theirs,
 their souls may come in different forms of darkness.
 Some of souls could possibly destroy you or delay your Blessings. Sometimes we act so strange , so weird , because of body is full of different darkness of souls.As you go chasing for girls lusting after girls ,
sleeping with different girls lusting after guys , keep this on your mind ,
  s..x is not just s..x , but a soul ties.
Having s..x with different bodies means your body has different Shadows consist of different souls, you are not you, but different people in you. Now think of this , your partner is faithful to you, but you go sleeping around and come back sleep with your partner( him/ her), that means you transferring all shadows to your faithful partner , Don't you think you are heartless? , careless or selfish by doing that?
Let's think before we do things .

No amount of condom can protect your soul . just pick one partner and make him/ her your King/ Queen , have self control and do what is right for you. you won't go early to grave.
Only mature people will understand what am saying

HERBAL REMEDY FOR NAIL FUNGUS

INGREDIENTS
4 to 5 tablespoons of baking soda
1 cup white vinegar or cider vinegar
2 liters of warm water
Paper napkins

TREATMENT
Step 1: Pour the vinegar into a bowl containing 1 liter of warm water, mix well, put your feet in and let soak for 20 minutes. After that, dry them well using the paper towels.
2.
Step 2: In another bowl mix the baking soda in a quart of warm water, soak your feet in it and leave on for 15 minutes. After remove your feet and dry with paper towels.
Do not forget to make a small gentle massage so that the products are well absorbed.
Repeat the process 2 TIMES a day to get rid of nail fungus quickly
For more efficiency, make a paste using baking soda, vinegar and a few drops of water, apply it on the affected nail, cover it with a bandage and let the treatment work all night .

DELAY IN MARRIAGE

    Girls at the age of 18-24 years always attract serious men who are fully ready to marry them, but at this age most of our girls/sisters never wish to hear anything about marriage.

1. I'm too young for that.
2. Who cares about marriage.
3. I'm focused on my books.
4. I want to gather some money first.
5. Marriage is full of problems.

These are some of few statements ladies talk of at their youth age.

        But these girls will be having serious & series of sex relationship with small boys of their age, because at that age, they always have high rate of boys, guys and men coming for them, but they will prefer to choose those boys rather than the real men who want to marry them. They are still young to marry right,  but they are not young to have sex with boys.
No problem, God is watching you.

At age of 25-27, parents will start asking them the following questions;

1. How far?
2. Don't you have any one yet ?
3. Are you not planning to get married ?
4. Are you seeing that all your mates are getting married ?
5. Don't you know you are getting old?

But mind you, parents only see the outside of their daughters, not knowing there is nothing left inside.

    With all these questions by her own parents, she will now be thinking and asking herself things like: My mates are marrying, 

1. Does it mean am old enough to marry?
2. Hmmm, how should I go about it?
3. My boyfriends are not serious about asking my hand in marriage.
4. They are not even ready to marry yet.
5. Well, God knows the best. I believe in God.

See oooh...!, she has started putting her blame on God. "God's time is the best" OK, I agree for argument sake.

   At age 27-30 they now start looking for men to marry not boys to have sex and play with again.

They will start looking for serious relationship that will lead to marriage, but unfortunately, at this age of 27-30 not all men will be asking their hand in marriage.

You will see them forcing themselves to marry a man who don't want to marry them. Please we beg you, leave us alone.

No single man at age 27-30 will like to marry a lady of 30-35. Now you hear the sisters say age does not matter.
 My sister, it matters a lot.

Imagine buying a rotten tomato for $10 and your friend buys a fresh one for $7. Yes, that's how it feels like in marriage too.

Remember you rejected men because you think you were too young. What makes you think your old age does not matter to us?

That's why some men go back to their villages to find young girl to marry when the city ones are not serious about marriage and those that are serious happen to be old for them.

    At age 30-35, her friends will ask her:
1.  Why are you not married yet by this age of yours?
2. Is it not getting too late for you ?

You will hear her asking you some silly questions like...
1. Are you God?
2. Or do you want to marry me?
3. Is it a crime to be single at 30 or 35?
4. Did I see a man willing to marry me but I refused?
5. God knows the best for everyone please.

At age 30-35 they will start praying like never before, moving from one church to another. If she's a Muslim, she will start praying night prayers, fasting and dressing modestly.

If you ask her for dating, she would burst out to say:
1. My brother, I'm not like them.
2. Am looking for a serious man, a husband not dating.
3. If you truly love me go and see my parents for marriage.
4. I can't do anything with you without my parents concern.

Dear parents, they have started knowing your worth. When she was 18-24, she was doing everything without considering you as parents.

You don't expect a young man of 27-30 to marry you of 30-35 as his house wife when there are younger pretty girls out there.

Even if he chooses to ignore your age and marry you, his family and friends will discriminate you.

Men that will be interested to marry you will be of 45 yrs and above and mind you, those men are married with kids except you wanna be second or third wife.

  Everything in life has its own season and time.
There's no lady at age 30-35  seeking for marriage who haven't been approached during 18-24. But by then, they were busily jumping from clubs/parties to hotel rooms looking for FUN not MARRIAGE.

Not everything is about prayer. God who created you has made a plan for you. But when you change the plan or miss the road, please don't disturb the peace of God. Because, He will be busy planning for your younger sister.

Why do we have high rate of single mothers and single ladies? Does it mean there no men but only boys?

Thousands of working class ladies are out there confirmed single. Your Master's of PhD is ZERO without a husband.

Yes, Education is key but don't neglect a marriage proposal all in the name of your studies. Both of you are matured enough to wait if you're serious of getting married.

    It's never too late to ask for forgiveness or have a second thought of mind. For our God is a merciful and gracious Lord.

Change your mindset and turn to Him now, before it's too late.

Please share this message and help someone to  help someone to  help someone. ..

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