LifeStyle Magazine

Basically there are three ways to manage money: 1. Spend it  2. Save it 3. Give it away  A Family Budget How can you plan a budget?  “All family members,” says the book Budgeting, by Patience, “Should be included in drawing up the plan so that all have a commitment to the family budget.” Periodically, all should get together to see how their budget is working. Creating a successful budget can become a rewarding family project as each one finds ways to live within the family’s income. To work out a budget, some people use a computer program. Others simply use a pencil and a sheet of paper, which they divide into two columns. One column is for income, and the other for expenditures. It is also important to include in the budget a monthly amount to cover once-a-year expenses, such as income tax and perhaps a vacation. A time-tested method of budgeting is based on the use of envelopes or folders labeled “Food,” “Rent,” “Transportation,” “Electricity,” “Medical Bills,” and s...

IT WAS 2020, in Nigeria. Another session was over and professional IT Consultant Dr. Emmanuel Binitie, who had been an Engineer from the age of 17years old with educational background in Accounting. He was surrounded by eight boys has he left Nigeria. “I just figured they wanted my autograph,” says Emmanuel. He was wrong. They were begging for food. Distraught, Emmanuel bought the boys, most of them shirtless and shoeless, grilled chicken from a woman selling food on the street corner. It’s a moment that changed Emmanuel’s life. And as a result, it changed the lives of thousands of women and children in the poverty – torn Nigeria. “My wife and I made a commitment that night,” Emmanuel says. “If we ever had the ability to do something, we’d come back and help.” After searching methods that would provide the most impact, in 2021 Emmanuel and his partner established Springs Finance Offshore, a micro- finance and offshore banking that gives small loans to the poorest of the poor in Nige...

CONSUMERCONNECTION Online Private eyes RESEARCHING POTENTIAL business associate, roommate, tenant or romantic interest to find out if he or she is honest and safe is important. Regardless of how people present themselves to you, you never know what’s lurking in their past – or present. Type the term “online background check” into a web browser and you will see that there are many different companies offering background check services to the general public. Here are some issues you should consider before engaging online service.    TIPS FROM Fight Back! Check yourself out WHEN WAS THE last time you did a background check on yourself? There could be information about you on the Web, in your credit report or on specialty reports that could affect your chances of getting a job or a loan. Credit reports are only one category of consumer reports. Specialty reporting focus on certain industries. Their reports may include information that is provided to employers, insurance compan...

SpringsComm services help members invest their money and protect their assets. We also provide renewable energy (solar panel, inverters & batteries) and security equipments like CCTV and drones. As a company whose name is synonymous with value, Springscomm offers many ways to save. Whether you ‘re just starting out or thinking about retirement, planning a financial future with SpringsComm services is a smart move. Guard your identity and credit. Identity theft is one of the fastest-growing crimes in the world today. Fortunately, as SpringsComm members you have access to TOTAL PROTECTION® from IDENTITY CARD® , an online services that proactively monitors your credit, provides insurance coverage for certain identity theft losses and delivers computer security protection. Members consistently use the same three words to describe what the service gives them: peace of mind. In addition to monitoring credit daily, TOTAL PROTECTION® provides an all-in-one credit report based on dat...

BRAINSTORMING IS A collaborative idea-generation process that (theoretically) gets great results. Yet it takes only a couple of bad seeds to turn these sessions into unpleasant and unproductive nightmares. Remi and SpringsComm member, Timothy; say every company has its share of underminers and identify the most common offenders. See how many of these troublesome types you recognize. Attention vampires . They always want to stand out and be the center of attention. They can smother a brainstorming session by dominating the conversation, excessively pushing their ideas and ultimately sucking the life out of the whole group. Dictators. They love every idea, as long as it’s theirs. These totalitarians feel they are the only ones with good ideas, or good taste, for that matter. Many bosses unknowingly become dictators in meetings (not on purposes, but their role in the company makes it too easy). Idea assassins. These seasoned killers love to shoot down ideas-anyone’s and everyone’s...

Three Myths About Love Love is an essential part of life. Everyone dreams of it. Everyone strives for it. And we overthink it, imagining what an ideal love should be in a fictional perfect world. Such a cult feeling, of course, is not complete without myths. Specifically: 1. Each of us has our soul mate in life. There is a common myth among people, especially women. When the creator the human, they divided them into two halves-making one half a woman, the other half a man. Then the Creator scattered the halves around the world. Since then, every person in the world has their soul mate. The one – the only one intended for you makes all the others not for you. If you don’t have a great relationship with your partner, your answer is simple: They are not the person destined for me. All responsibility is shifted to chance, to fate, to the stars, higher or darker forces. Besides, your other half, too, walks the world alone, without you. After all, it would help if you found them. Big ...

“My name is Biodun Ibukun, when I get to a prospective customer, I say, “Good morning sir, How is business? I am in your area today for a marketing company “Springs Communications”. It is less than half the market price. The last guy bought three pieces because he saw it from our TV adverts for #2,450, original price is #3,000 but because of the ongoing promotion, it is just #1,500. Check it out.” Immediately I say “check it out” I will stretch the product to the prospective buyer to examine. If he take it from me, I continue with the pitching but if he resist to hold the product,   psychologically, he is not interested to buy. I don’t waste my time with this type of people. When I am talking to them, I make eye to eye contact. This is very important for me. Firstly, it shows that I am sincere with what I am saying about the product, secondly, in some cases, the buyer may feel shy to say no than to buy. And when leaving them, I say “bye bye, have a nice day” even if they don’t ...

Choose Your Zodiac Sign Aries Mar 21 - Apr 19 Taurus Apr 20 - May 20 Gemini May 21 - Jun 20 Cancer Jun 21 - Jul 22 Leo Jul 23 - Aug 22 Virgo Aug 23 - Sep 22 Libra Sep 23 - Oct 22 Scorpio Oct 23 - Nov 21 Sagittarius Nov 22 - Dec 21 Capricorn Dec 22 - Jan 19 Aquarius Jan 20 - Feb 18 Pisces Feb 19 - Mar 20 Daily Horoscope ARIES Things will be totally black and white today. All the issues you're looking at will be clear and... READ MORE  TAURUS You've been keeping things light with a potential new date, but why? Are you feeling indecisive... READ MORE  GEMINI Right when you're in the middle of enjoying a totally flirtatious conversation today, someone or... READ MORE  CANCER You are on the verge of crossing a major hurdle in a new relationship. All you need to do is say... READ MORE  LEO Socialize as much as you can today, in every arena. There's always a way to conn...