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...