Category : Grow Yourself Worth

Grow Yourself Worth

Nigerian Gospel Music Best Videos of 2020

What’s best Nigerian gospel music video to you? I enjoy music videos, but you can technically tell when a video is amazingly good and when it’s just amazing. Don’t just take my word for it. You can make your own best gospel music videos of 2020.

I didn’t have a hard time picking my best videos. I have watched them over throughout last year. I had to agree that they quality, content and choreographer are all the best work of art.

Let me give you my top 10 Nigerian gospel music best videos of 2020. Judge the picks for yourself, and make your comments below.

1. St Greg – Mgbomgbo Ekele (thanksgiving) ft. Victor Ike

If you miss any video in this list, don’t miss this one. That’s why I positioned it for you. I can’t help but thank God profusely. This song will make you want to dance, want to jump, want to shout, but most important it will help you say thank you to the king of kings and Lord of Lords. If you have something to be thankful for, go watch this video again and again.

2. Congratulations by Ada Ehi, ft. Buchi

This song might make you want to cry tears of joy. But it’s all good. It’s one of the best congratulations that anyone would love to hear this year, this month, week, today and this very hour. I wish you congratulations as you watch this video.

3. Obinasom by Mercy Chinwo

This song in audio is simply amazing. Now, imagine how the video would be. I won’t give you any more details on it. You have to check it out yourself. If you happy about what Hod has done for you, here’s the song for you.

4. Lover by Jimmy D Psamis, ft. Prospa Ochimana

You need to see this video now. Apart from the perfect message of the song, well delivered and very touching, the next best thing about it is the video perfect quality. Thanks Jimmy D. psalmist.

5. On God by Eben

This video is simple but with a punch. The message is clear, the impact is felt. It’s Eben, delivery yet another video of his song in a very impactful and heart touching. It’s one video you should watch when hope is dim or there’s trouble on every side.

6. Idinma by Judikay

An amazing video. So natural and with an impactful message. How often do you tell God that He’s good? Let Judikay help you do that today with this song. Don’t sleep tonight without watching this video.

7. God Alone by Joe Praize

It’s Joe Praise strong and melodious voice, in one of his best grateful songs, God Alone. You need to watch the video to get the full message and sing along with one of gospel music greatest artist.

8. Mai Taimako Na (My Helper) by Solomon Lange

Oh, Solomon Lange, you did justice to this video with your soft soothing voice. What a way to cry out to God. The song flows from deep inside the spirit. Solomon made me fall in love with this song again. Watch this video and testify.

9. Capable God by Judikay

Nothing is impossible. That’s why Judikay made again a second time in this Nigerian gospel music best videos. This one is even better and bolder than the first video I showed you. I enjoyed the video. So would you.

10. Have Your Way by St Greg, ft. Iyke Onka

You can’t beat this duo, St. Greg and Iyke Onka, in an awe inspiring worship song, Have Your Way. You can imagine yourself in that situation, alone in your room, and crying out your heart to God – have your way Lord! You need to watch this video by St. Greg now. I reserved it just to make a proper closing that if you let God have His way in your life, everything will be beautiful.

Finally On Nigerian Gospel Music

Nigeria gospel music videos have come of age. It used to be just about any visual is good. Anyways, they think it’s just gospel music. But that impression has changed in the last few years.

It should be the best video because it’s the gospel. Jesus gave us the best. We should always give Him the best at all times. That’s why it’s important that we rate Nigerian gospel music videos to help you appreciate the efforts artists are giving into this gospel.

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How To Start A Solid Retirement Plan In Nigeria

What if there’s a better retirement plan than your pension fund? How do you see a retirement plan that can guarantee 300% returns for you in every 16 months? Imagine how much your current monthly salary deduction paid into your pension fund can return to you in every 16 months.

Let’s even do the maths. If your monthly pension deduction from your salary is N100,000. That’s about $200 in today’s exchange rate. How Much returns do you get from your current pension fund?

I did a pension calculation on Leadway Pensure, and here’s what I got. It asked me how much I want as my monthly pension when I retire, and for how many years I want it paid? Plus how many years I still have left to retire, and how much interest rate I want on my pension fund?

I picked the following: N50,000 as my monthly pension salary after retirement. I said, I have only 2 years left to work. That I want 15% interest rate, and I want to collect the pension for 10 years. Here’s what the result gave me. That I would need to have a retirement saving account (RSA) balance of N2,780,225.16 from a monthly contribution of N100,050.98 for the next 2 years before my retirement.

Just do the calculation. I would have paid N2,401,223.52 in 2 years to my pension fund managers. It’s from this money they will now pay me N50,000 monthly, after they have invested it, for the next 10 years. I’m only reaping from the profit they earned from investing my money. And I will only get N600,000 in one year and total of N6,000,000 from them in 10 years after my retirement.

What happens after that 10 years? That’s for me to figure out, right? That is what many pensioners are going through already. And some are still planning to go through it also. Please, I beg of you, don’t go through it too.

Collapse Of Pension Funds In Nigeria

No matter how juicy your pension fund managers talk about their retirement plan for you, it can never be the best deal for you. What they are actually doing is a retirement plan for their owners. The best retirement plan is the one you can control and plan for yourself.

Don’t forget that in a system like Nigeria, the pension fund has always been a major source of corruption. It has never worked, because the pension fund in Nigeria has collapsed long ago. Those currently managing it knows that, and has since been stealing from it. Even the government steals from it from time to time, and calls it loan.

When you will realize what has happened will be when it’s time to pay up. That’s for civil servants. However, for the private sector workers, it’s even not the best deal they are getting. You can see the calculation Leadway Pensure gave me. With that you can’t get anything better to live on when you retire.

Nigerian Total Working Population

One of the problems with retirement plan is the number of people who maybe retiring, the current number of retirees and the available resources to cater for them. Nigeria has a large workforce with no adequate plan for their retirement.

According to Proshare Nigeria, the site lamented that out of the total workforce of 69,470,091 in Nigeria, only 7,348,028 workers has a retirement savings account (RSA) with any pension fund manager. It’s even an old report of quarter 4 of 2016. That’s just 10.8% of the total workforce. At the current date, the figures might even be worse.

If you think it’s because Nigerian workers don’t like to plan for their future, then you lied. Nigerians like to plan even for the dead. That’s why government officials are stealing state funds. They are planning for their future and their children with stolen funds.

But legitimately, Nigerians would use pension funds if actually it guarantees a good deal for them. Hence the reason for the boycott, because it doesn’t offer any retirement plan when you are tired. But I have something that will surprise you. It’s better, it’s cheaper to start, and it’s in dollars, so you won’t have to worry about naira devaluation and inflation. I will soon come to that.

Different Types Of Retirement Plan

The best way to understand retirement plan is to see it as a savings account where you put aside some monies you earn monthly for use when you retirement from employment. So, I decided to take a look at some of the retirement accounts available. Some of them are not applicable in Nigeria, but it’s good you know what’s out there too.

  • IRA (Individual Retirement Arrangement)
  • SEP (Simplified Employee Pension)
  • PSP (Profit Sharing Plans)
  • DBP (Defined Benefit Plan)
  • 401(k) Plans
  • Roth IRAs

You can take sometime and read up all about these different pension plans on Bankrate website. But let me just talk about one only. The PSP (Profit Sharing Plans). You will love this one, as much as I do.

Profit Sharing Plans (PSP)

Imagine if your current employer is sharing profit with you. How much do you think you would be getting monthly? Just imagine. I don’t expect you to know exactly how much. But its surely way big, right? That’s the point. But they won’t like to share, rather they want to suffer you by deducting from your present salary in the guise of planning a future for you. Bullshit!

But think about it. A profit sharing plan will make you more money and you won’t have to be planning for retirement. In fact, you shouldn’t be planning for retirement. You should be planning on sharing profits with big and existing multinational companies.

I know you want to ask me, how?

What Is Your Retirement Plan?

Let me even ask you what you have been planning for your retirement. If you don’t have a better retirement plan, now is the time to make a quick adjustment. You cant just leave everything to chance. I might even shock you with some of the ways people are knowingly or unknowingly planning for their retirement.

  • Some invest in stocks
  • Some buy or build properties
  • Some invest it in different businesses
  • Some even invest it in their children
  • While some ignorantly put it in the banks or pension funds

You see all these retirement plans, they may not protect you when you are tired. Even the children you gave birth to may not care for you. The stockmarket can crash, like it did in 2017 and many pensioners lost heavily. All their life savings gone in one stock market crash.

You might think building properties are better, but the question is, how do you earn from your properties? Mostly through rentals. But how much is rentage fee in Nigeria? Even if you get N600,000 per annum for 3 bedroom flat, which is better than your pension fund, how many flats would you build from your salary?

You can’t plan with that, unless you just want a hand-to-mouth kind of life when you should be enjoying life in your retirement.

This Should Be Your Retirement Plan

If you understood the Profit Sharing Plan (PSP), that’s what I want your retirement plan to follow. Think of how you can share profit with a multinational company.

Let me give you a blueprint on how to plan your retirement with a PSP. If you are currently working, you stand a better chance to use this blueprint better. Even if you are not presently employed, or you are self employed, you too can use this blueprint.

The first point to note is that it’s cheaper to start. And that you can start with as low as $100. That amount would guarantee you 10% returns on a monthly basis. If you work it around your monthly pension deduction, some of you pay more than $100 monthly.

That means if you plan to retire in 2 years, you would have saved $2,400 with a compounding interest of 0.45% daily or 10% monthly. In 16 months lifespan for each of the $100, you would have a return of About 300%.

Let me even say that you can only invest $100, because you have so much bills to pay monthly and can’t afford to be deducting $100 monthly. In 6 years on a compounding interest of 0.45% daily, see what I calculated for you using TheCalculatSite: $80,252.67 total interest will be earned in the period.

You are rich on retirement if you do this now. Think about how many more years you still have in active service before your retirement. Think about how much a $100 can become for you in the next 5 years and 7 months to be precise. $80,252.67 is equivalent of N40,126,335. And you can still invest even after you have retired rich.

Compare that with your pension fund of N6,000,000 in 10 years from a contribution of over N2.4 million of your salary in 2 years deduction. If you can invest $500 or even $5,000, think of what the returns would be in the same period. Some of you can afford to do up to $25,000. And that’s a return of $75,000 in just 16 months. While $50,000 would give you $150,000 in 16 months.

How This Retirement Plan Works

I have already told you. It’s a profit sharing plan. I have found this comoany for you in the U.K. (United Kingdom), with global presence in over 100 countries including Nigeria. This company is willing to share their profit with you.

Here’s how it works. They have several investment packages, from $100 to $50,000. And they pay returns from the profit they generate. You get 0.45% daily or 10% monthly on a compounding interest.

You role here is just to invest the amount you wish. The company will give you an online portal where you can monitor your investment, make withdrawals when you want or upgrade your investment package at any time.

What You Should Do Now

Get more information on this. You shouldn’t just take my world for it. Even though I have painted this as the best retirement plan for you, find out more for yourself. Moreover, somebody has to introduce as your referral or sponsor to the company. That’s how it works.

So, you will need a referral or sponsor. The sponsor will also help educate you more, and guide you throughout your investment period.

For example, if I’m your sponsor, my responsibility includes helping you to get more information, ensure you get adequate training on how to invest wisely and better usage of the portal. I should also be standby for you whenever you need guidance pr have questions on anything regarding the investment. You sponsor can also guide you on how much you should start with.

After you have invested for your own retirement plan, and started earning returns, then you can help sponsor others,like your colleagues in the office.

What To Do About Your Colleagues

Don’t plan for yourself alone. Help others to also discover this retirement plan. Your colleagues should be the first to know after you starts seeing returns from your own investment.

However, don’t rush immediately to tell them. Wait till after few weeks, like 2 or 3 weeks. It’s enough time to start seeing some revenue trickling into your account. You need some proof to show them. And because it’s in dollars it will be more convincing.

Remember, you will also earn up to 10% for sponsoring your colleagues. Yes the company pays for referrals, it’s one time, and it’s based on the initial amount the person invested.

Not just your colleague, including your friends. Target when salary is usually paid so they won’t say there’s no money. Remember, you are helping them make a better decision about their own retirement.

Conclusion

There’s no better retirement plan than a proper investment. But as a civil servant or private sector worker, you are limited to mostly pension fund, which is deducted from your salary.

There’s no guarantee on that, as long as Nigerian government are the ones controlling it. Even the private sector led pension managers, the kind of pension you get are not inspiring.

That’s why you need to plan something else for yourself. If you in an organization where pension deduction is actually done from source, you may not be able to shop it. But that shouldn’t stop you from planning your retirement better. I have shown you that with just $100 you can generate a better investment plan in less than 6 years, of over $80,000 in returns.

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Rapture: For Those Who Believe

That you are a Christian, born again and speaking in tongues doesn’t qualify you for Rapture. There are basic facts you need to know about the rapture of the church. It’s not a flight for Christians. Because some Christians will also miss Rapture. So, why would they miss Rapture?

Let’s begin to examine this topic and to give insight on why you have to believe that Jesus is coming soon.

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He’s Coming Again…Be Prepared

The thought of seeing my precious Jesus is the most glorious thing I have ever imagined. His love, the smile, the touch, His words are all coming back to me now. My Lord and savior is coming for me.

He said so in the book of John 14:3 KJV
[3] And if I go and prepare a place for you, I will come again, and receive you unto myself; that where I am, there ye may be also.

We are in the closing years, months, weeks, days, hours and minutes of His coming. All my thoughts are down to when I see His face. What would He say to me? I have yielded my heart to the Holy Spirit to prepare me for that day.

That day will soon come. Make no mistake about it, think of the things above only. The glories of this world is gone. There’s nothing here any more for anyone to be proud of. It doesn’t matter what you never achieved. It’s of no use now.

What matters is that our Lord Jesus Christ is coming again. My joy is that He chose me among all tribes, tongues, nations and peoples. I’m going home to be with Him.

If you never believed it’s time, I urge you to believe. This world was never meant to endure forever. The Bible told us of the end of it, and that end is now. I don’t want anything else of this world. I wanna go home. The Lord is coming for me, and all I want to do now is to prepare for Him.

 

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Grow Yourself Worth

4 Useful Tips To Care For Your Skin

 

Do you know how best to care for your skin? The best gift you can give to yourself is caring for your skin. Surprisingly, many people, especially women do not know the basic tips to help them care for their skin.

If you are wondering why you don’t seem to achieve the kind of skin you want, then, you have to understand how best to care for it. Your skin is the only part of you that others can see, even though it doesn’t fully represent you. But perception is 80 percent reality.

What you give others is what they will use to rate you, even before they get to know who you really are. That’s why the rich pay for expensive and luxuries lifestyle. That’s the only way other people would know they are rich.

However, caring for your skin will save you money and time, if you know what to do. You won’t need to spend on expensive beauty products at all. There’s a better and more affordable way to achieve the kind of beauty you desire.

How Do You Care For Your Skin?

If you are already using beauty products, you have been caring for your skin, positively or negatively, even if you don’t think that’s what you are doing. It’s better you understand what you are currently doing to your skin to help you know how best to care for it going forward.

It’s even important to know if the result you have achieved is what you really wanted or you should improve on it. What if the current result is so bad that you need a miracle now? At least you would know the target is more clearer.

Let’s start by looking at the things that you should be considering to help you care for your skin. Anyone can buy good cream and soap to care for their skin. But if you don’t understand the tips I’m sharing with you here, you may still not get a good result. You might even damage your already good skin.

Some people have very good skin from birth. While some people’s skin are not so good from birth. Your ability to manage whatever skin God gave you is a great gift. You cannot even begin to solve any problem unless you understand what the problem could be. I have listed the tips below and I will briefly explain more clearly.

  • Understand Your Specific Skin Type
  • Learn To Adopt To Seasonality
  • Don’t Send The Wrong Signals To Your Skin
  • Avoid Moisturizers Too Thick or Heavy

Understand Your Specific Skin Type

The most important step to care for your skin starts with understanding your specific skin type. It’s like diagnosing the ailment before prescription drugs. You cannot begin to know what your skin needs if you don’t know your skin type.

Call it the beginning of wisdom for skin care. But interestingly, most people who want to look beautiful don’t even know this most important step. They just copy what others are doing that’s working for them, without knowing if it will work for them too.

Now that I have shown you how important it is, it’s good to want to know your skin type. I have already explained the different Skin types and how you can identify your type in one of my articles. Click to go read it HERE.

Learn To Adopt To Seasonality

The next tip is about adapting to certain circumstances or seasonality. How best you do this would determine how good you will look every season. Do you wander why some people look good during some seasons and not as good in other seasons? Your skin changes with season. You have to know that and adopt to it.

Your skin is your body’s largest organ, as complex and intelligent as your heart, lungs, liver and other vital organs, your skin demands more attention. It’s also the most noticeable part of your body. If something is wrong with your skin you can see it on time.

Take note of the seasons depending on your country or location. Some times the weather is hot, cold, rainy, dry, or a combination of two or more of it. Like, there can be hot and dry weather at the same time, or cold and rainy weather. You need to know how and with what to care for your skin during the different circumstances.

Don’t Send The Wrong Signals To Your Skin

Now, this one is on you. You have to learn not to be sending wrong signals to your skin. You may not know it’s what’s responsible for the changes in your skin that you are complaining about. Remember the skin is also sensitive, has its own intelligence and can communicate invariably.

You can send wrong signals to your skin by using cleansers and treatments that are too harsh. And it doesn’t matter if they are recommended for excessive oiliness. They may send the signal to your skin that more oil is actually needed.

Learn to be moderate even when it seems like you should be a little harsh with remedies.

Avoid Moisturizers Too Thick or Heavy

Another way you can send wrong signal is also by applying moisturizers that are too thick or heavy. This can result in decreased natural oil production, which would result in even drier skin.

Choose your moisturizers well. If you are using Infini Clear products for example, add a little Infini Clear carrot oil to soften the moisturizer. Mix it properly, not to be too soft either. The carrot oil will help the thick lotion or cream to become softer for better application.

Conclusion

Choosing the right option would mean taking the time to learn your skin’s specific needs. When you understand what your skin needs you can better make the best choice of how to care for it. And with a balance skin, the result will be a healthier, more radiant complexion.

Understand that every person’s skin is unique, and have different needs. Don’t copy your friends in using the same kind of moisturizers unless their skin type is same as yours. To know your skin type is the beginning of looking beautiful.

However, there are a few common skin types that may help you to identify where your skin fits. The main skin types are commonly referred to as Oily, Normal/Combination and Dry. There’s also sensitive skin, which is just an anomaly of some sort. Here are two easy ways to determine your skin type at home from another post on this blog.

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