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Are you tired of the daily 9 to 5 job and planning to switch to farming? Many of you think that farming is a great platform to earn, but you must realize that there is not much difference in the amount of efforts you put into your daily work and the amount you will put into farming.

Basically, agriculture is termed as a wide range of agricultural production. Your earnings are worth and more than investments. Well, without a doubt, the fact is true. But, if you have a plan for agriculture you can’t go blindfolded, there are a few things to consider for a smart farmland investment.

• Aim

As you search for farm land for sale, decide where in the country you would like to have agricultural production. This, in turn, will depend on whether you want to grow crops or want to build a business. Also, whether you want the land for dairy farms or simple organic farming trades.

• Statistics

Once you’ve made your decision, move on to check the current state of marketing for a particular occupation. But, if you can’t decide, with the help of market rates and reports for a particular trade, eg agriculture, find out why it would be a smart buying decision.

• agricultural investment

Basically, people buy land for agriculture. If this is what you are planning, don’t forget to know the type of soil. You have the soil tested as you will provide a report of the nutrients present or missing in the soil and the nutrient requirements added to the soil to achieve a cultivable state. Considering this, it will not pay you to invest later.

• runners

Obviously, hiring the land purchase agent should be the first consideration after deciding on the land trade. He prefers to hire brokers as they provide a lot of information and explain procedures and determine who will be responsible for certain transaction fees. In addition, they will establish the final requirements so that both the buyer and the seller comply with the requirements of the written contract.

• Finance

Determining your financial needs can simply help you find the right property to invest in, whether it’s land, land with property, or land for agriculture. Your current banker can be a great source of lending money to your home or business. Even your broker should have knowledge that can help you get the farm size he can afford.

• zoning

Zoning is a relatively new thing on farmland. It is a scrutiny of the location of the property before making a final decision. For this, you must visit the county courthouse to determine if your land is zoned or not. And, if it is zoned, what are the requirements? Taking the help of a real estate agent or broker is helpful.

• Market value

Now the last thing to consider is knowing the market value in that particular area. This is important for your future reference whenever you have a plan to sell land. Do a survey of the average land value in the area and get a general idea of ​​how much it will cost after several years. These are the main considerations that can be of great help in obtaining affordable land. Do some basic research and give yourself some time to make a buying decision. If you have any doubt, never ignore it.

Black mold, often referred to as toxic mold or mildew, is an increasingly common problem in many homes and buildings. When the correct conditions are given, these are: a surface that contains moisture which may be due to high humidity or humidity levels and the correct temperature, this fungus will germinate and grow in abundance. In appearance, it looks almost “furry”, however it can also be described as “dusty”.

Like any living organism, mold needs food and moisture to survive, and this is when black mold can begin to cause symptoms of ill health in humans. The symptoms are caused by something known as VOCs – Volatile Organic Compounds. Mold produces these VOCs when it feeds on the surface it is growing on and begins breaking it down to get the food it needs to flourish.

Anyone exposed to high levels of these VOCs can experience any of the symptoms attributed to black mold growth, some of which can be quite severe.

Listed below are some of the most common symptoms of disease induced by black mold:

1. Respiratory problems

2. cough

3. Nausea

4. Skin rashes

5. Memory loss

6. Dizziness

7. Problems with blood pressure

8. Asthma

9. Urinary tract infection

10. Damage to the lungs

11. Allergies: itchy or runny nose, eyes, etc.

12. Difficulty concentrating

This list shows just a few of the diseases whose symptoms can be attributed to exposure to black mold.

It goes without saying that if you suffer from any of these symptoms, you should see a doctor immediately. However, the best way to alleviate or eradicate the symptoms caused by black mold is to eradicate mold from your home for good.

As I’ve said before, black mold needs moisture to grow and the moisture inside our homes can be caused by one of two things: high humidity or humidity or a combination of both. In both cases, you need to act immediately.

High humidity is caused by excess moisture in the atmosphere. The number one cause of high humidity levels in a building is simply a lack of ventilation. As we go about our daily tasks, we create moisture and steam, for example when we cook, bathe, perhaps use a tumble dryer to dry clothes or hang wet clothes to dry around heaters – the list is endless. The problem is that without adequate ventilation, moisture in the atmosphere accumulates because it has no escape, then as the temperature cools, the moisture begins to settle on cold surfaces in the form of water droplets, this is condensation. Wet surfaces such as window frames, walls, etc. they are then the main targets for the germination of black mold spores.

Moisture is usually caused by an underlying problem with water leaks. Poor property maintenance can result in water entering through ceilings, foundations, cracks in walls, or leaking pipes. Constant dripping over time will cause a great deal of damage, and damp or wet surfaces create the ideal conditions for black mold to grow. Remember that different species of mold will grow under different conditions.

The first step to getting rid of back mold and the ill-health symptoms it can cause is to identify the actual cause of the problem.

If your problem is due to high humidity levels, it’s relatively easy to fix. Just open some windows! This is the simplest and cheapest solution, but perhaps not the best in the dead of winter. However, there are other relatively cheap alternatives, for example:-

1. Install exhaust fans in your kitchen and bathroom that are vented directly to the outside of the building, NOT your attic space or basements, do that and you’ll have BIG problems down the road. These will remove steam caused by cooking and bathing. Remember to keep the kitchen and bathroom doors closed to prevent moisture from spreading throughout the house.

2. If you use a dryer, it must also be vented to the outside of the building. These machines produce large amounts of steam, so going it alone will greatly reduce humidity levels.

3. Try not to dry wet clothes at home; when possible, hang it outside to dry. If you must dry it inside, hang it in an unheated room, open a window, and keep the door closed.

4. Dehumidifiers are a great tool to solve this problem. They can be a little expensive to buy, but when you have an ongoing problem, they are well worth the one-time expense. A dehumidifier will suck air in through a vent, removing moisture and pushing dry air out and emptying your water container! Obviously this is a very simplified description of how it works, but believe me, it works! The cost of running one of these units can be another concern, but they really aren’t that expensive, especially if you buy a model that has a humidistat installed. This means that it will automatically turn on and off as needed instead of running constantly. Another point to consider is that dry air is much easier to heat than moist air, so you should be able to lower your heating bill in winter.

If the cause of your black mold is moisture, the solution may not be that simple and you may need to spend quite large amounts of money to remedy the problem.

1. The first thing to do is establish why you have wet areas in the first place; If necessary, use a professional mason or plumber to assess the situation and have the necessary work done on the building. You cannot begin to eradicate black mold and the unhealthy symptoms it causes until repairs are complete.

2. If the damage is extensive, it may be necessary to replace the wood, plaster, carpets, etc. If this is not the case, the next step is to dry the area, remember: remove moisture and black mold cannot grow or spread. Opening the windows when the weather is nice will do the job, as will using heaters. A dehumidifier is once again the ideal piece of kit. For large surfaces you can hire large industrial dehumidifiers. These will get the job done much faster than heaters or open windows, and many models have the added bonus of having air filters that should help remove mold spores from the atmosphere.

Cleaning of black mold;-

The task of cleaning up any signs of black mold does not have to be expensive. However, you want it to be a non-toxic one.

There are many natural ways to clean up black mold, from soap and water and elbow grease to solutions of tea tree oil or grapefruit seed oil. However, there is a commercial mold cleanup kit that quickly and easily removes black mold and prevents it from coming back. The kit contains two solutions, the first is MOLDERIZER. This product is 100% organic, so it does not contain any harsh or toxic chemicals. It is safe to use on virtually any surface, from walls and wood to carpets and rugs, and will not harm children or pets. The second solution in the mold cleaning kit is called SAFE SHIELD. When applied after cleaning with Molderizer, it will act as a barrier and protect the surface and prevent mold from growing back in the same area.

If in case you cannot sell your house, it is a better option to rent it. The lease will actually still earn some income from that investment. Although finding a good tenant can be a daunting task, it can be easier if you know the basics before you rent your property. The article analyzes the main things that a landlord should know before renting the apartment.

Determine how much rent to charge

Since renting is about earning money on the invested property, the amount will be set accordingly. Knowing the current market value can be a great idea. You can check newspapers, neighborhood rental signs, online resources, etc. know the exact value of the lease. Remember, it is very important to set a reasonable lease amount because incorrect or excessive demand may not provide you with the right tenants. And, if you do get them, they may not like staying in your property for long because of the incorrect lease value.

Know your tenant

However, renting to someone known as your friend or relative gives you a guarantee of their goodness, but most of the time it is difficult to enforce the terms of the lease. So it’s better to find someone outside your circle to rent your house. There is certainly a risk in doing so, but that can be avoided if you properly screen your tenants.

• Know your family history.
• Know the size of the family
• Get an idea of ​​the behavior of the previous residence.
• Consult the occupation and financial status of the tenants.
• Consult if they do not have outstanding credits.
• Check criminal records.
• Find out if you can connect.

know the laws

Being an owner, it is not necessary that you can rent it the way you want. You certainly need to know the laws to make the deal efficiently. Therefore, you can consult a certified agent or an accountant to learn about housing laws. Because professionals know even the minor laws related to leasing a property.
Also, make sure you don’t get involved in verbal or informal agreements. It can get you in trouble. And, doing something so informal may not allow you to enforce the lease terms on your tenants.

Get your property insured

It is very important to make the insurance. Please note that there is a separate insurance policy for homeowners and renters. However, a rental insurance agreement will include legal costs, house structures, damages, your belongings, the tenant’s belongings, a list of necessary repairs, etc. This policy actually protects you from paying large amounts, if something unexpected happens.

Eventually, renting an apartment is a responsible task. A landlord should know the basic and important things to consider before renting an apartment to avoid future misfortunes.

There is no denying that security is a top concern for all home and business owners. While theft has always been a concern, in these days of economic crisis, the frequency of this crime has increased so dramatically that it has become more important than ever to take precautions against it.

security grilles

For most homes and shops, grills are adequate protection. These security bars are enough to catch even the usual criminals trying to break into your property. These gratings are so strong that it is impossible for a thief to break into your home or store without tearing down the entire structure, which is simply impossible. Therefore, by installing a security fence, you can ensure that your house is safe from common burglars and thieves.

steel doors

In some cases, it is simply not enough to have a security fence. This is mainly due to the high value of the content within the space and the high risk involved in damage or theft of the content. In such cases, the recommended step to take is to install steel doors. These doors are impossible to break or break and provide great security.

Elegant and attractive security measures

One of the biggest concerns homeowners often have is that security measures can hinder their style and distort their home décor. This is far from the truth. These days, you can get security doors so elegant and attractive that instead of detracting from your decor, they actually tend to add to it. From floral and traditional to angular and modernist, security doors come in so many different designs that you may find it hard to choose between them.

Are you looking for the right townhouse for sale? Then you have come to the right stop. The field of real estate is always a complex chapter if you are less informed or not properly guided. There may be several reasons for your initiative to buy a new home. It can be your new residential address or you can also invest in the property for a better future benefit. Whatever the reason, this article will give you a couple of ideas for finding the right townhome for sale you’re looking for.

Consider your budget

Budget is one of the most important things to consider first when you are about to invest a large sum of money to buy a new home. If you are already prepared with your own money, then the buying process can be less dangerous. But if you are looking for financing options, it may take more time, but it is also a sought after option. In fact, there are trusted agents out there to help get finances up and running quickly for people like you who are interested in buying a new townhome.

a suitable location

In the next step, you need to be specific about the location. You must have preference on the purchase of the house either in the center of the city or in the most remote neighborhoods of the city. Depending on your preference, you should let the real estate agent find you the exact townhome you are looking for.

Consult a real estate agent

Having an expert real estate agent by your side can be a great support. With the professional assistance of the service provider, you can experience a hassle-free episode of buying a townhouse of your choice. Actually, the matter does not end with finding a house and buying it. It’s a whole process decked out with a series of “things to do.” After choosing a home, you need a knowledgeable attorney to prepare paperwork and do background checks on the property. There are also some official jobs for which you need expert help. With a real estate agent, the entire chapter can be less complex and difficult than anticipated.

You can search for new properties or foreclosed townhomes based on location, price, and other priorities you and your family have decided on when buying your new home. So, here are some of the most sought after ways to find the right townhouse for sale.

Staging is an essential and profitable part of the home selling process. Staging your home to show off its qualities can only increase your final sale price. On average, people receive a $2 increase in sales price for every $1 they invest in fixing up a home.

When staging your home for sale, there are five rules of thumb to keep in mind as you go through each room in your home.

Five golden rules:

depersonalized

The buyer must envision himself in the house, not you. That wedding photo may mean a lot to you, but the buyer is a distraction from seeing a home for their family.

Maximize

Order and maximize the space in your home. Closets packed with all your clothes make a place starved for closet space. Consider temporarily storing the overflow offsite.

disinfect

This rule of thumb is the easiest and cheapest way to organize your home: clean it up. A sink full of dirty dishes is just as unappealing to you as it would be to the buyer. Cleaning floors, walls, baseboards, ceiling fans, and windows is worth the effort.

modernize

Unless your home has exceptional period built-ins, every home could benefit from an update. If someone feels that the house is outdated, they will reflect that feeling in a lower offer. Consider some simple changes, like swapping out expensive fixtures for nickel or chrome.

neutralizes

Color can make or break a buyer’s interest in your home. You might love that striking red wall, but all the potential buyer sees is a lot of paint in their future because red clashes with their style. Painting is one of the cheapest ways to change the appearance of a house.

Bonus Tips

Wardrobes

Clear closets of unnecessary clutter and organize them to maximize the amount of open storage space you’re showing potential buyers. Use boxes stacked close together to keep up and hide clutter.

Use matching hangers for clothes – hooks are cheap so spending on higher quality hangers is cheap so celebrating on higher quality hangers to replace free wire hangers from the dry cleaner will modernize your closets with an impact visual and a more luxurious feel.

Bedrooms

A quick and inexpensive way to enhance your bedroom’s appeal is to use gender-neutral colors when touching up paint jobs and re-accessorizing for as much appeal as possible. Color coordinate where possible bedspreads, walls, curtains, etc. You should have a clear theme for your colors if possible.

Bathrooms

If the walls are dirty, spray them with a standard spray bottle filled with a mixture of one part bleach and one part water, then apply a fresh coat of paint.

Clear countertops of all but the essentials to make the space look more open and expansive.

Kitchen

Modernize your outdated cabinets; they can be touched up for less than $200 with a coat of new wood stain or even a good coat of paint with sanding. Replacing brass or wood cabinet hardware with brushed silver or stainless steel is also an effective way to update dated cabinets.

75% of Americans disapprove of the job our representatives are doing. It’s things like this that explain why:

While only about 13% of US employees nationwide enjoy a retirement fund that ensures a stable income for life, all 535 members of Congress do… courtesy of Uncle Sam.

Members of Congress participate in the Federal Employees Retirement System, which provides pension benefits most working Americans can only dream of.

Private retirement savers often pay management fees that can exceed 1% per year for poor investment choices. Members of Congress pay a maximum of 0.039% for guaranteed funds to match the market.

A proposal floating around Republican circles in Washington would add insult to injury: They want to end the tax deduction of your pension contributions so they can give a $1.5 billion tax break to American corporations.

oops.

Give and take

Congress is reportedly considering reducing the benefits of contributing to a 401(k) and similar retirement plans.

That’s because he wants to reform corporate taxes, cutting the rate from 35% to 15%. That opens a meteorite-sized hole in the federal budget.

Cue the pension police.

According to the latest report from the Joint Committee on Taxation, the exclusion of contributions and earnings from defined contribution plans will cost the federal government more than $584 billion over the next five years.

The new proposal would treat all contributions from traditional IRAs and 401(k) accounts as if they were contributions from Roth IRAs. You would lose the tax exclusion on those contributions, but your future earnings and 401(k)/IRA appreciation would be tax-free. Some think this could raise $1.5 trillion in additional tax revenue over the next decade, making the corporate tax cut feasible.

Unless they decide to tax retirement earnings and appreciation as well.

End of the Roth?

At this time, any income and earnings generated by your 401(k) and/or Traditional IRA are not taxed until you make withdrawals.

But a new proposal would impose a 15% tax on those annual profits, raising another $1.5 trillion over the next decade. However, that would be even worse than ordinary taxable investment accounts, where one can defer capital gains tax simply by not selling shares.

“It’s really not a question of if retirement plans will be reduced, but by how much,” said Bradford Campbell, former assistant secretary of Labor for employee benefits under President George W. Bush. Replacing revenue lost from tax cuts, he said, is “a game of winners and losers, and the retirement system is bound to be one of the losers.”

My sources in Washington tell me that the Trump team is definitely planning to push through a tax reform like President Ronald Reagan’s in 1986, closing loopholes and lowering rates. It will not be just a tax cut, as had been rumored.

Like the retirement contribution exclusion, the proposals also eliminate state and local income tax deductions. If you live in a place like New York or California, it’s a big problem.

Who cares?

There is no more controversial topic in American politics than federal tax reform. So who is likely to win and lose if tax reform follows President Donald Trump’s proposals?

First, his administration cannot count on the unconditional support of the voter base that put Trump in the White House.

Although low-income voters would likely be neutral, since they tend not to have 401(k) plans or IRAs, households making $50,000 or more, the majority of whom voted for the president, would be hit hard if contributions for retirement were taxable. in the front.

High-income families probably don’t care one way or the other, since they tend to hit their retirement contribution limits pretty quickly anyway.

Second, the corporate side of the proposals is tense. Although Trump’s plan cuts the corporate rate from 35% to 15%, many American corporations already pay less than 15% thanks to loopholes, especially in power, utilities and heavy industry.

They will likely oppose the plan since it closes those loopholes. That makes the step uncertain.

How to prepare

The uncertainty around something we’ve come to take for granted—tax-advantaged retirement plans—means you need to urgently look for alternatives.

One is to explore the benefits of investing directly in the stock market. Long-term buy-and-hold strategies may become more attractive than retirement funds, depending on how capital gains are treated in any tax reform plan.

Another alternative is to consider the advantages of life insurance.

Certain types of whole life policies are much better than traditional retirement vehicles. This is because the IRS currently treats “distributions” from such policies as non-taxable loans against the policy, withdrawn when paid at your death.

Life insurance trusts, on the other hand, could become much more attractive vehicles for transferring money to your heirs if returns relative to IRS estate accounts take a nosedive.

Whatever happens, I will closely follow developments… and offer you solutions.

Most people believe that RV dealers only sell and store RVs. Not so. Rentals are gaining popularity as an alternative to expensive hotel stays while traveling across the country. Renting not only reduces lodging costs, but also allows families to travel on their own terms, making detours to visit attractions and areas of interest along the way. So is renting the best option for your family? There are a few things to consider when deciding.

Eliminate the hassle

Does your family travel every summer? Do you long for the open road between camping trips? Are you looking forward to seeing the sights and sounds of travel and the excitement of visiting new places? If you love camping but don’t have the space, funds, or inclination to buy an RV yourself, it’s worth visiting your local RV dealers to check out their rental inventory. A rental allows families to take their vacation, come home, drop off the trailer, and get back to everyday life without the work and worry of winterizing, cleaning, and storing the vehicle. For families who love to travel but don’t like the hassle and expense associated with ownership, renting makes sense.

Budget

Buying and maintaining a recreational vehicle is an expensive proposition. Motorhome dealers offer storage options during the off-season, but there are still insurance costs and registration fees. Renting eliminates all those expenses, and you only pay when you’re using it. For families who only travel once or twice a year, renting may be the most affordable option.

Traveling with extended family or friends

Even if you already own a small to medium-sized RV that is large enough to travel with your spouse and children, a special trip that includes family or friends may require more space. A second or larger trailer to accommodate a larger group takes the hassle out of setting up tents and reduces the hassle of trying to cram too many people into a small space. It’s also often possible to rent a deluxe model with more amenities, such as indoor running water and a larger bathroom, for a trip that includes elderly parents or inexperienced campers unaccustomed to this lifestyle. A rental may make sense when traveling with a large group.

Whether you travel frequently or occasionally, dealer RV rentals are a great way to take your family on a road trip. Renting an RV leaves room for all your luggage and provides a richer travel experience. Quiet evenings around the campfire, toasting marshmallows and telling family stories are the experiences that will stay with you. Consider renting an RV for your next trip and make the travel experience part of the trip. RV rental is about more than saving money. It’s about building memories.

The NYSC scheme is a pathway for corps members to gain useful skills, knowledge and abilities. These skills are acquired through seminars, trainings, workshops, symposiums, colloquiums, etc. organized by the NYSC in conjunction with other organizations. These life-changing activities are one of the most profitable aspects of the NYSC scheme.

From the orientation field, each body will have opportunities to acquire skills and information that will be very useful in life. Speakers, professionals and practitioners from various fields will be invited to educate corps members on how to maximize their year of service. Life after the year of service will also be discussed. Some community development service groups such as: Nigerian Road Safety, National Drug Control Agency, Millennium Development Goal, Humanitarian/Welfare Group, Independent Commission on Corrupt Practices and Other Related Crimes. Commission for Economic and Financial Crimes, Red Cross. Etc, they will also be invited to give specialized conferences. Its operations, goals and objectives will be disclosed. Corpers will be persuaded to join any of the CDS groups. It is mandatory to be a member of at least one CDS group. At the end of the service year, you will be given membership certificates, which are very useful after service.

In addition to the benefits above, there is another quiet but celebrated privilege of the NYSC scheme that will make you independent, self-employed or get a job before the end or after your year of service. NYSC always partners with various professional bodies in pursuit of making youth corps members self-sufficient. These professional bodies train and equip corps with the skills necessary for them to be successful. Through the process of lectures, seminars, and examinations, corps members are fully empowered. These prestigious organizations are recognized nationally and internationally. The importance of these professional trainings and certificates is innumerable.

Although these professional bodies offer world class services, their rates are very affordable. You may not believe the cost of acquiring this training and certificates. The reason for the reduced fees is that these professional bodies are aware of corps allocation and know the importance of corps members for national development. A typical example is the Strategic Management Institute of Nigeria. This Institute is one of the brains behind my successful writing and speaking career. His courses on entrepreneurship opened my eyes to profitable business opportunities in the Nigerian environment. They offer comprehensive services and I can testify that their lectures and reading materials are of good quality. The rate was very affordable. No NYSC member pays a very high fee to acquire this professional certificate.

There are so many professional colleges, take advantage of the reduced prices and gain professional skills and certificates. You may never get the chance again.

Most uninformed service members perceive these professional trainings and certificates as a waste of time and resources. They think it’s irrelevant. A sage said that “no knowledge is wasted.” As an engineer you need managerial and administrative skills, even a doctor needs them, in fact, everyone who dreams of being self-employed must acquire these skills. A social scientist or management graduate needs technical knowledge because diversification is necessary in the business or job market. Let’s briefly discuss some of the benefits of becoming a professional corp.

self-employment

One of the cardinal goals of these professional bodies is to train professionals who take the world economy to the next phase by establishing profitable small and medium-sized businesses. His business and management conferences equip corporations to face the challenges of small and medium-sized businesses and emerge with success. You will learn how to identify business opportunities and how to seize and execute them economically. The various means of generating capital and the practical steps to access these funds is one of the lectures I will never forget. These professional bodies offer vibrant and engaging conferences that will take a young entrepreneur to the top.

Statistics have shown that only 50% of small businesses are still in business after the first three years from initial setup. Most failures are attributed to a lack of administrative, marketing, and management skills. These skills can be acquired at low cost through vocational training. I sold close to seven hundred copies of my books in one month through personal sales. It was possible because I gained profitable management skills from various professional bodies. They offer practical courses that you will never be able to acquire from any higher institution.

Most organizations, both national and international, make membership of professional bodies a criterion for employment when recruiting. On most hiring forms, there are always provisions to fill out the professional bodies to which you belong. In some cases, vacancies are limited only to applicants holding a certain professional certificate.

Don’t miss out on a lucrative job opportunity just because you don’t take advantage of the opportunity to gain professional training. Nigeria has millions of unemployed graduates, with only a few jobs available. Only niche graduates can take advantage of these limited employment opportunities. ‘Go the extra mile’, empower yourself and employers will beg for your service. Your resume will even speak for you when you have acquired various trainings and certificates, they will send it immediately if you have the skill they want. Vocational training gives you an advantage over other applicants.

I got my first job straight out of the service without going through any formal interview or aptitude test. The owner of the firm was a member of a professional body with which I am an associate. When I found out about that, I told his assistant that I wanted to see his boss. When I introduced myself, the only question he asked was; Can you do the job? And I said yes, that was it. I was given the job while other applicants continued with the paperwork-only hiring process.

Knowledge
The trainings, conferences, seminars, and reading materials offered by these professional institutions are unusual sources of knowledge. As an entrepreneur, you need knowledge to outshine your competitors, and a worker must possess special knowledge to attract promotion and increase profits.

Furthermore, the knowledge gained can lead to the establishment of a profitable business venture. You can become a consultant with your professional skills and certificate. Immediately, you are inducted and certified, you are allowed to start practicing. You can set up a professional firm where businesses will come for professional advice, and you can make a lot of money consulting.

Currently, I am a management consultant, entrepreneurship expert and professional debt collector. I am qualified to carry out these specialized tasks because I am a member of the Nigerian Institute of Management, the Nigerian Institute of Strategic Management and the Nigerian Institute of Debt Recovery Professionals.

Information
Information is the only tool for development. Anyone who does not value information will become obsolete. The world moves and things change every day. Your professional skills and knowledge must be constantly updated to enable you to compete favorably in the business environment and business circle. Membership in a professional body is a sure way to modernize your skills and knowledge.

Professional bodies are always involved in various investigations. This leads to groundbreaking discoveries and mind-blowing inventions. Members also participate in brainstorming sections that are always producing solutions to challenges facing their profession. The only way to access this information is to become a member. They also organize seminars, workshops, exhibitions, meetings, etc., to familiarize members with the current trend of the profession. You can never go out of date as an active member of a professional body. They also provide professional advice to members so that they can overcome business or corporate challenges.

Association
All you need to be successful in life is to meet the right people at the right time. Your professional body can link you with people who can help you advance business and other endeavors. During professional body meetings, you’ll meet successful business executives and professionals. Most of them are very influential in society; They can connect you with a job, a contract, business opportunities, and even a political appointment. No one is an island, so you have to interact with the right minds to succeed.

It is very important to state that the more you associate with successful people, the better your chances of being successful. You can stand on the shoulder of some senior colleague and take giant steps. All it might take to be successful could be a phone call or a letter of recommendation from a prominent citizen.

It is possible to enroll and earn up to three professional certificates within a one-year term of service. Just choose any professional body of your choice, regardless of your course of study, because no knowledge is wasted.

Take advantage of this opportunity now, so that it is not difficult and expensive to acquire such certificates at the expiration of your year of service.

Lately, it seems like we’re living history every day. Not since the Great Depression has the United States seen such turmoil in financial markets. What started in the subprime industry has now bled dry on Wall Street.

When investment houses that have been around since the Civil War close their doors, it’s a sure sign that something has gone terribly wrong. First Bear Stearns, then Lehman Brothers, and then Merrill Lynch and Washington Mutual.

We all can’t help but be a little taken aback by what’s going on. But while I and others have pointed out that the markets are only going through a “correction,” you may be wondering, “Denise, how much correction do we need to make?”

Obviously a big one. Too much slow money for too many people who can’t afford it is a sure recipe for disaster. Now is the time to pay the price.

Some analysts are even comparing what is happening now to the stock market crash of 1929. However, there is a big difference between then and now: we are not even close to being in the same economic hole that our great-grandparents fell into. back then.

Case in point: The $700 billion bailout (or is it a buyout?) that lawmakers are debating as of this writing is a giant sum of money, the equivalent of which was unavailable in 1929.

Today, we are better equipped to handle such challenges as they arise, in part because we have learned from history. When the Great Depression started, there was no backing. The US government was in a much more “hands off” position than it is today.

While some like to argue that it’s a good thing for government to stay out of the free market, new and upcoming legislation promises to restore at least some security to the US economy. The time for arguing from the political beginning is over. Something needs to be done, and thankfully our leaders are finally stepping up to do something about it. The question is whether these leaders will help the problem or make it worse, only time will tell. As of this writing, they still haven’t been able to put it together.

After four (or more) years of unsupervised lending, exotic lending, predatory practices, and the ensuing subprime collapse, the government is finally taking steps to step in before it all falls to pieces.

Of course, many wonder why Treasury Secretary Hank Paulson and Fed Chairman Ben Bernanke didn’t do something before this mess happened. While it’s true that no one could predict how dire the consequences would be, it’s obvious that when banks start handing out mortgages like candy, something is wrong.

Two or three years ago, every time I heard a mortgage ad on the radio touting low numbers for adjustable rates, I cringed. I was wondering how long this could last. During the boom, it seemed like we could never run out. We are now undergoing a major reality check.

So what does this mean for the average real estate agent? First of all, the media is wrong. It is not a rescue. It is a purchase.

A bailout is when you give money to a corporation while forgiving its debt. A buy is when you go in to save the day, but there is an asset to trade.

The latter is what the United States Government is proposing: providing funds to take over the mortgages on real estate. Real estate is assets. Therefore, by definition, this is a purchase.

Based on my own personal experience with the markets, I think the government would do quite well with this deal. Think about it. They step in, take over troubled loans and refinance them at a lower rate. It is a win-win situation.

Ultimately, there is always money to be made with mortgages. Even if the government restructures these mortgages, we all know that real estate is still the best long-term investment.

Which I think will be the harbinger of the “big real estate appreciation of 2012.” Real estate will go up again. It’s always rebound. It always will. And all the major factors point to it going up anyway: population, immigration, migration, an older community with spending power, higher divorce rates, and people living much longer than before.

Personally, I would like to see all the corporate executives who led failed companies down this horrible financial path denied their bonuses. How can a CEO get a $22 million bonus when he has bankrupted the company and left shareholders with the bag? For me, this is one of the most important parts of the mess to clean up.

So only time will tell how long it will take for our leaders to get this right. What is certain is that something must be done!!!

And remember that when the consumer gets nervous about Wall Street, they tend to invest their money in real estate. So don’t jump to conclusions and think that the housing market is crashing with Wall Street, it is the housing market that will get our economy to where it should be.