My Suggestion,signs she/he is not ready for marriage

 

6 signs you're not ready to get married

It's a commitment that should not be taken lightly. Marriage is supposed to be for life, and it's something that should only happen l when both parties are ready. Here are 10 signs that you're not ready to get married.

1. You're not ready to give up your single lifestyle:

When you've stayed single for years, and have grown into your routines and lifestyle, it's hard to give all that up. Marriage means sharing your life with someone else, and that can be scary if you're not ready for it.

If you're not ready to let go of your independence, then marriage is definitely not for you. You need to be prepared to share everything with your partner- including your time and space.

2. You're not comfortable being someone's partner:

Marriage means being someone's partner for life. That can be a daunting task if you're not used to it, especially if you always put yourself first. If you're not ready to take on that responsibility, then marriage is definitely not for you.

You need to be prepared to handle anything and everything your partner throws at you. You should also be comfortable with giving as much as time and energy as your partner gives you.

3. You don't think you're good enough for marriage:

Marriage is a lifetime commitment. If you don't think you're good enough for marriage, then you definitely shouldn't get married. This means that you have low self-esteem and don't think you deserve to be happy.

You need to be confident in yourself and your relationship before getting married, of not , you could watch your marriage crumble. You should also believe that your partner is the best thing that's ever happened to you.

4. You don't want to change your relationship status on Facebook:

As singles, we like to let the world know that we are on the market. One way of doing that is by keeping our relationship status on social media as 'single'. If you still desire that thrill of a random person going through your page, and messaging you out of nowhere, then believe me, you're far from ready to settle for one partner.

Rather, focus on getting to know yourself better and working on your relationship before making it Facebook official.

5. You're not sure if you believe in marriage:

I've heard many young Nigerian girls say 'marriage na scam'. If that's the mentality of some members of this generation, then how can they be ready to get married? Marriage is a sacred institution that should not be taken lightly. If you're unsure about whether or not you believe in it, then how can you go into it wholeheartedly?

You need to have faith in the institution of marriage if you're going to make that commitment. You need to believe that marriage comes with responsibilities, which come with peace and pride and joy when fulfilled.

6. You don't want to deal with the stress of a wedding:

Weddings are undoubtedly very stressful to plan and carry out. Many people keep putting off finding meaningful relationships because they can't picture the perfect wedding for themselves. Please, do yourself a favour and plan your wedding the way it suits you.

Not everyone needs to have a flashy ceremony- you could make it a very small gathering of really genuine friends, who truly care about your happiness. But don't let the stress behind a huge wedding ceremony scare you away from marriage

My Suggestion,is best to date your best friend

 

Is it a good idea to date your best friend?

Most times, you get these feelings unexpectedly, and you won’t be able to track when or how it started. You often feel like spending more time with them and get jealous when they spend time with the opposite gender.

Developing feelings for your best friend is challenging; you’ll be scared of them not feeling the same way and wanting to remain just friends. However, if you manage to pull it off, your relationship will blossom because of how well you both understand each other. Below are some things you should consider before dating your best friend.

Is it a good idea?

It is not wrong to date your friend because all relationships start as friendships. In addition, your history as friends will positively influence the relationship because you’ll know their likes and dislikes. Finally, your trust in each other will also facilitate a healthy relationship.

How long should you remain friends before dating?

Although it’s essential to be friends before going into a relationship, there is no specific friendship timeframe. The more you spend time with them, the more you’ll get to know them, so what’s important is understanding each other.

Don’t enter the friendship with the sole aim of developing a relationship because you’ll analyze their characteristics more to decide if they’re a good fit, and that can make the friendship short-lived.

How to transition from friendship to dating

Transitioning from friends to lovers can be fast and natural. Of course, it begins with you catching feelings for them and confessing these feelings. After you tell them how you feel, they might not immediately answer you. However, watch out for subtle signs that show that they feel the same way.

If the love is unrequited, you don’t have to blame them or yourself for anything. Instead, be grateful that you found out on time instead of chasing a lost cause. Finally, talk to them to know if you can remain friends and if you can’t; it’s best you part ways.

My Suggestion,seven ways to move on after breakup

 

possible ways to forget your ex

It could leave your soul empty, leave you feeling lonely, unloved and most times depressed or suicidal.

The only way out of this depressing cage is to break free, you just have to move on. Of course, forgetting these memories requires time, deliberate action and a great deal of courage.

The fact that you're reading this indicates that you're ready to put the suffering behind you and move on. You should undergo a mind cleansing therapy to help you get out of this broken period. So, here are seven excellent suggestions to assist you in moving on.

1. Be independent

Invest in yourself and become productive. Learn to do things for yourself, look for a job and take care of your needs. Becoming a self dependent person will help you forget your ex especially if you’re so used to them doing things for you. Working hard will help take your mind off them.

Remember the saying about an idle mind? Well, get busy, look for an activity and engage yourself in it.

2. Cut off all communication

Don't fall into the trap of "she's my ex but we're still friends." It's not for everyone and it's definitely not good for your mental health.

Avoiding any form of contact with your ex or their friends/family members, is a courageous but right step to take. If you want to move on, then no texting, no calling or secret meet ups. Avoid them.

3. No stalking

Stay off their social media pages and stop checking them out through their friends' pages either. As a matter of fact, I suggest blocking or deleting them for a while. Stalking your ex will keep you stuck and cause you to relive the trauma day-in-day-out.

4. Rekindle or find a new passion

Being in a relationship for too long can make you drift away from things you love doing. One of the best ways to forget your ex is by looking out for something you loved doing, or get a new hobby or interest. You’ll end up finding new ways to have fun and become happier.

5. Hang out more

Honor social invitations, invest in your social life. It will help you forget your break up experience and give you fresh opportunities to meet new people and who knows, you just might meet a new love interest.

6. Avoid mutual meetings

Attending meetings where mutual friends (friends of your ex) are, is likely to cause fresh pains and bring back memories you'd rather forget. If you are certain you want to move on, then consider avoiding social events of your ex’s friends for a while.

7. Share with someone

Try talking to someone about how you feel concerning the break-up; it will help you feel less depressed and allow you to accept affection from other people in your life. Also, strive to form new relationships with your friends and family.

Whatever you do, do not allow this heartbreak or mistake stop you from living and experiencing love again. There are many people out there who would give anything for someone like you.

Federal government empowerment loans 2022

• 
  

In recent times, the federal government of Nigeria has made loans available to boost the production of SMEs in the country. Therefore, there are a good number of loans that you can apply for across different sectors in Nigeria today. Essentially, these Federal Government Empowerment Loans in 2022 could also come in form of a grant and are open to all citizens. As long as you meet the minimum criteria, you stand a good chance of getting funds for your business.

What are the latest Federal Government Empowerment Loans in 2022?

Here are the top federal government empowerment loans so far in 2022:

Survival fund loan

The federal government of Nigeria created this survival fund loan as a way to help businesses that suffered losses during the lockdown. Basically, most businesses weren’t allowed to run, therefore, incurred great losses that some haven’t recovered from till today. Therefore, the government made this fun accessible to all companies for a duration of three months to help the business recover.

Bank of Industry and Central Bank intervention fund

This fund would distribute a total of N235, offering it to companies in the manufacturing, refinancing and restructuring sector. Basically, the loan is a result of a collaboration between the bank of industry (BOI) and the Central Bank of Nigeria (CBN).

Npower Nexit Loan

The government designed the Nexit loan to act as a follow up for passing out Npower scheme beneficiaries. More so, the aim is to help them embrace entrepreneurship by providing funds for them to open a business. However, unlike Npower, the Nexit loan is not a grant but a loan. This means that all beneficiaries would have to pay back the sum and applicable interest to the government.

SEIFAC and CBN Anchor Borrowers program 

This program focuses on farmers and their respective cooperatives across the nation. It is an initiative that embraces wet cropping, encouraging farmers to farm in Agricultural production clusters (Agro PCs). In addition, this is a cluster farming model that pools resources to ease the challenges faced by small scale farmers.

Bank of agriculture (BOA) and SMEDAN Loan matching fund programme

This is an ongoing program that offers medium-sized loans to businesses in need. Essentially, the BOA and SMEDAN loans range between N1.2 million and N5 million depending on certain conditions. The SMEDAN loan also does not require any collateral, as it includes a waiver of collateral letter.

NYIF Loan

This loan is specially reserved for the youths in Nigeria. It is opened to interested citizens between the age of 18 and 35 across all states in Nigeria. Successful candidates would attend online business training at different centres, before being given a loan to establish a business.

GEEP Loan

This loan is an initiative that aims at boosting the Nigerian economy by empowering farmers, artisans, and traders financially. It basically covers three areas, which is the farmer Moni for farmers, trader Moni for traders, and Market Moni for other artisans in the country.

CBN AGSMEIS Loan

The Central Bank of Nigeria designed this loan to help all agricultural-related businesses in Nigeria. Farmers and agricultural-related entrepreneurs are encouraged to apply, after which they consider the application and select successful candidates.

NHF Loan

The federal mortgage bank of Nigeria handles the NHF loan. It is a housing loan that aims at providing cheap and affordable housing for Nigerians all across the country. However, there are certain requirements to meet before qualifying for the loan.

Conclusion

Regardless of your business and industry, there is an empowerment program for everyone. All you need to do is to put together the required documents and applied. Currently, note that some of these loans are not currently running and may or may not be opened in the future. 

Can a Retired Person Get a Payday Loan?

 It is normal for every working-class person to get bothered about retirement, especially when it’s close. Usually, people in this situation ask a lot of questions concerning their finances and how to get cash when they retire. One of the most common questions people ask is “Can a Retired Person Get a Payday Loan?”. Here is a direct answer to that question and other questions about applying for a retirement loan.

Can a Retired Person Get a Payday Loan?

The straightforward answer to this question is: yes, a retired person can get a payday loan. Whether you are obtaining a personal loan, funding the purchase of a new car, or even remortgaging your property, loans in retirement are feasible.

---

Get a loan up to N100,000 at the best affordable rates in Nigeria

Did you know that you can now you can compare interest rates from different lenders with our loan simulator and get the best deal? Making an informed loan decision requires comparing different loan offers before making a commitment. Through our simulator, you can see at a glance, loan offers coming from different lenders in less than 5 minutes, so you can make the right decision regarding your financing. 

---

What do lenders consider when I apply for a loan in retirement?

Basically, there are several considerations to keep in mind if you’re imagining how to get a loan when you retire. Before you start planning, you need to realize that retirement is equivalent to making financial changes that you would not have considered pre-retirement.

Essentially, since you’ve lost your regular income from employment, lenders will be cautious of your financial status. Moreover, you will become a greater risk since you’re not earning a regular income. This is because having a regular income is what makes you capable of obtaining a loan. 

However, if the lender checks your pension and finds it suitable to repay the loan, you have overcome one major hurdle to taking out a loan. Other factors lenders consider include:

1. Your assets

If you choose to obtain a secured loan, you will likely use your assets as security. Basically, before you take out a secured loan, it’s crucial to consider the financial repercussions. If you are incapable of repaying the loan, lenders will repossess your property. Hence, it is necessary to bear these risks in mind before you commit to this kind of loan agreement.

2. Your age

Usually, most lenders set a maximum age for their loans. If you’ve crossed their specified age limit, you automatically become unqualified for the loan. While some lenders have a cut-off point of 75, others may choose to set it below or above this age.

Why might you obtain a loan in retirement?

Many retirees take out loans for a couple of reasons. They may find themselves wanting to do things that they didn’t have enough time to do before. Usually, these things like going on vacations, home improvements, buying a case, or even lending money to family members cost a lot of money. 

Basically, obtaining a loan can enable you to fund these plans without withdrawing money you have planned for long-term investments. Taking a low rate of interest by borrowing loans, will allow you to borrow cash over a shorter term without it having an impact on your longer term investments. These investments have to be left untouched to attain full retirement projections.

Also, taking out a loan enables you to settle emergencies, especially if your pension is not ready. 

Bottom line 

The simple answer to “Can a Retired Person Get a Payday Loan?” is yes. Basically, you can take out a loan when you are retired if you meet certain requirements. These requirements, which have been discussed above, will set the standard you have to meet to be eligible for a loan. Essentially, once you successfully cross this hurdle, your loan application is likely to get accepted.

Startup funding in Nigeria – What you should know

 One of the greatest obstacles startups face in Nigeria is finance. Many times, it is easy to get the planning, and other key aspects of the business right, however, when there’s no funding for execution, there’s pretty much no progress. Therefore, many of these businesses look to the available startup funding in Nigeria to grow. See some top business ideas in Nigeria.

Also, the starting capital of a business, determines to an extent, the level at which it enters the market. In addition, it also plays a key role in how long a business can fund its operation without making a profit, as most businesses start that way. If you are a business owner looking for the best startup funding in Nigeria, here are some of the best picks for you:

Types of Startup funding in Nigeria

Crowdfunding:

Since its emergence, crowdfunding has become one of the most common ways through which startups can raise funds in Nigeria. Primarily, it entails you pitching a business idea on the platform which hosts a lot of investors. Essentially, this means that your business can get funded without ever meeting the investors. Therefore, they could make one-time investments out of the free will, or choose to receive equity over time.

Business loans:

Anything loan most times pertains to a bank and lending companies. Today, there are several loans which you can obtain from both commercial and microfinance banks. However, they mostly attract high interest rates, therefore your business must be sure to yield substantial profit or it might be an awful choice.

Venture capital funding and angel investors: 

Although they differ, angel investors and venture capital funding share much of their mode of operation. Angel investors usually invest at the beginning of startups, with certain terms, while venture capital investors usually work with already established companies looking to expand. However, they both provide funds for startups in exchange for equity in the company. Also, their investment is guided by certain agreements made beforehand.

Accelerators and incubators: 

Although this might sound like a relatively new term as a startup funding in Nigeria, they have been around for a while. Accelerators majorly focus on startups that are viable to a certain degree and ready to expand. However, incubators on the other hand tend to startups at the early stage. Also, these two work hand in hand, creating a program or kind of system to vet startups, and the ones that make it through receives seed funding at the end of the program. The accelerators and incubators program is usually run by investors who receive equity in exchange for investment.

Bootstrapping: 

This primarily focuses on growing a startup through in-house funding. Therefore, all funds come primarily from the founder of the business as well as other revenues it generates. However, most times, this means that the company suffers in the absence of personal funds, therefore delaying growth and expansion. Also, the founders have absolute control and operation of the startup.

Conclusion

Although obtaining Startup funding in Nigeria could be difficult, you can put your business in the best position by having a solid plan. Most times, the proposal presentation is the stage at which an investor decides to go on or not.  

Rent loans in Nigeria – What you should know

Housing, more accurately captured as shelter, is one of the three basic needs of man for survival. Without a shelter over your head, there’s pretty much nothing else that can go well. This is because it’s from the comfort of your home that you can earn a living to provide for your other basic amenities; food and clothing. Furthermore, rent is pretty expensive, especially when you live in a major city. If you cannot afford one, there are rent that could help you meet your immediate needs, and allow you to pay up over time.

Rent loans in Nigeria 

Saving up for annual rent is outrightly a challenge for many Nigerians. The situation of things in the country is hard enough, with frequent inflation pushing up prices of goods. Therefore, this has left the country with a large percentage being poor, and individuals turning to family and friends to borrow in order to meet needs. However, in the end, these families and friends also have needs to meet, therefore leaving most to figure out things for themselves. 

As a way out, you can simply opt for one of the rent loans in Nigeria. Currently, you can easily obtain a loan of up to N5 million at competitive rates. There are several third-party institutions that connect citizens in need of rent loans to financial partners willing to provide it.

Which institutions offer rent loans in Nigeria? 

There are a good number of institutions that offer rent loans in Nigeria to individuals in need. Some top examples of these organizations are: 

• Credit nigeria 
• Paymyrent
• Sparta capital limited 
• Resort savings and loans plc

How do I apply for a rent loan in Nigeria? 

Most rent loans providers in Nigeria have their individual approach as to how customers are to apply for a loan. Therefore, you can simply visit the company’s website or any of its physical offices to inquire, and an agent would be on ground to put you through. However, most of them require that you provide important details like:

• Bank account and BVN details 
• Means of identification 
• Company details (for the employed)
• Business details and proof of steady income (for business personnel)

Conclusion

With the numerous institutions providing rent loans in Nigeria, you should not find it difficult to pay your housing bills. However, keep in mind that these institutions need you to show that you can repay the money before approving your loan. Therefore, you must have a business with regular cash flow or a job that offers a fixed salary. There are also loan options available for Lease and Hire Purchase.