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One question I am usually asked is this: ‘CFA, how can I make money online?’ If I have to rank the questions as asked either through SMS, email or physical events, I will rank this as the mother of all. In any case, this is a very fair question because as at the end of the third quarter of 2018, the unemployment figure in Nigeria stood at 23.13 per cent, according to the National Bureau of Statistics. This is pretty alarming, when compared with countries like the United States that stands at less than four per cent and this is a country with some level of social buffers.

That said, the issue of unemployment is a scary one for me. The same labour statistics report showed that at the end of the third quarter of 2018, 55.4 per cent of young people (aged 15 to 34) were either underemployed or unemployed (doing nothing), compared to 52.6 per cent in the same period the previous year. This is why I have taken it upon myself to become a staunch supporter of both start-ups and hubs across the country because as far as I am concerned, entrepreneurial ventures that seek to actively leverage technology will help to get more young people off the streets.

Today’s piece is dedicated to sharing a number of ways that I believe anyone can earn money online. The reality is that there is no magic formula; it is simply plain, hard and rugged work, based on my experience. Even those who do ‘419’ as a business model put in so much time and energy, but sadly, on negative activities. I encourage you not to go that route, but rather engage in activities that would not only put you on the right side of the law, but may ultimately give you opportunities beyond your wildest imagination.

Here are a few money making opportunities available to anyone:

1. Start a technology-enabled business

I am a witness to the amazing job that has been done by young people all across the country in the last decade. Yes, many of them have failed, but some are still alive and growing gradually. My first advice to anyone seeking to earn extra income online is to launch an enterprise that seeks to solve a problem. A few tips I will share towards achieving this include that you find a problem, carry out some form of basic research, develop a Minimum Value Product and find a mentor before going all out. Start small and scale gradually.

2. Sell a product or offer a service

This is closely related to the first point above. It’ll be difficult to make money online, if you do not have a product or service that someone, somewhere is willing to pay for; so, create a new product and take it online. How about your services? That too can be unbundled and offered cheaply online, e.g., as a legal practitioner, it may be wise to break down the services you offer and put on your website, so that you can attract Small and Medium-scale Enterprises, which usually regard legal services as something only big businesses can afford. Accounting, coaching, legal and many other services can be provided online and the beauty of it is that depending on the nature of the client’s needs, certain services can be provided completely electronically either through email or video services, like Skype, and the agreed fees paid online.

3. Freelancing

An increasing number of Nigerians earn more working as freelancers than some corporate executives earn, and this makes it a rather interesting industry for anyone who has the time, skill and discipline to deliver jobs of the highest international standards.

Freelancing is huge at the moment and countries like India and Philippines are testimony to that fact. It is possible to make money online by providing services online – a number of service-based professionals would readily find someone online willing to pay for their services once they are convinced of the value.

4. Forex trading

A few people have got their fingers burnt in forex trading, including yours truly, but this is not to say that it is not viable. I believe what has happened to the majority of people who must have had some sort of negative experiences is that we allowed ‘fake promises’ to becloud our sense of reasoning. I have a highly contented friend, who still makes money from forex, but some forex gurus will consider him a “mugu” if they hear he is satisfied with the little he makes.

Let me state that it is advisable to attend forex trading classes first or find a coach before starting off as a forex trader. The chances of losing your entire investment are pretty high.

5. Become an affiliate

Affiliate marketing is simply helping other people to sell stuff and earn money doing so. Let me explain the process. You sign up to be an affiliate for website A, who sells e-books, then you are given a special URL that makes the tracking of each sale seamless. You take that code and share online; some of your friends might see the links and visit the site. Once they make a purchase, the site’s affiliate marketing software informs you about the sale and your commission. There are a number of websites that you can affiliate with right away.

Finally, I’d stress that the buck stops on the table of the Nigerian government to create an enabling environment for the creation of more jobs for the rapidly growing population. A PUNCH report of December 5, 2018 monitored online could not have emphasised this any better when it quoted the Head of the EU Delegation to Nigeria, Ketil Karlsen, as saying that “the main responsibility should always be with the authorities (government) of Nigeria; and frankly, it should be like that.” He was speaking on why the EU initiated a skills acquisition programme for 17,000 adolescent Nigerian boys and girls and cautioning the Nigerian authorities not to be deluded into thinking that development partners alone will reverse the unemployment scourge in the country.

Need I say more? There is fire on the mountain and all hands must be on deck to get Nigerians working both online and offline.


Abass Sulaiman Adegoke, well known as Adegoke is a student of Federal Polytechnic Ede studying Civil Engineering, He is a media enthusiast, loves traveling, and has a special interest in personal development.



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Inspirational Tips

What Does It Mean When A Guy Calls You Dear In A Text?



Terms of endearment are often… Well, endearing! Right? We tend to love using them and being called them. However, it can be confusing when someone that you are not very well acquainted with uses a term of endearment on you. Especially a guy and especially through a text. Guys are all sorts of confusing, but when they do something like this it can really throw everything out of whack! It can drive you absolutely crazy not knowing what this kind of action means or why he would do it. Why would a man call you dear in a text and what exactly does it mean? Well stop worrying your pretty little head and read carefully! We know why he might be doing this and we can help you to understand it. Keep scrolling to find out all the reasons a guy might be calling you this cute little name in his messaging!

he calls me dear

He Likes You As More Than A Friend

Well, the first reason that we could find to explain why a guy would be calling you dear through texting, is that he has feelings for you. This is a very nice term of endearment and is most commonly used by people who have intimate feelings for one another. He might also use other terms of endearment with you. He might call you honey, dear, sweetie, etc. These are definite indicators that he is harboring feelings of more than just friendship with you. He might think that you two are at a more comfortable stage with one another. He might think that calling you dear is a good way of breaking down that friend barrier and heading into a more intimate direction. If you like him then this is a great thing. It means that he finds you very near and dear to you. Hence why he is choosing dear as his term to use on you.

He Is Just An Affectionate Person

What Does It Mean When A Guy Calls You Dear In A Text

He Is Trying To Be Gentle

There may be a time that a guy might be calling you dear because he is trying to soften the blow. Soften the blow on what? Well, that is not something that we would know, but if he delivers some sort of bad news when using it then you might want to consider this as the reason why he is doing it. He might be breaking up with you or telling you that he does not have feelings for you. He might be telling you that something bad has just happened. Or he might be telling you that he has made some sort of mistake. He probably thinks that by calling you dear will ease you better into whatever news that he has for you. It doesn’t always work, but you can’t blame him for trying. It’s better than calling you negative names!

He Knows You Are Hurting

Or he might be calling you dear for another bad reason. He might be doing it because he knows that you are having a tough time. You might be sad or frustrated and he might be trying to make you feel better by being gentle with you. He thinks that calling you dear is a good way to make you feel better. This is definitely not the most common reason, but it does happen. He might just be a nice guy like that. So if you are telling him that you are having a bad day and he responds with a sentence calling you dear, then it might be this reason.

He Is Giving You Some Advice

You might find that a guy would call you dear in a text after he delivers some advice to you. Sometimes people feel the need to use terms of endearment when they are giving out advice to them.


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Inspirational Tips

GUYS! Check Out 7 Things Every Girl REALLY Wants But Will Never Ask For



Mar 9, 2019 12:20 AM
GUYS! Check Out 7 Things Every Girl REALLY Wants But Will Never Ask For – #4 and #7 Holds The Key!

Sometimes all it takes is one simple statement: “You’re the only woman I want.” Confession: I haven’t been anybody’s girlfriend in a long time. This year will be my thirteenth wedding anniversary, so it’s been a minute since I had the kind of concerns you have when you’re straddling that fence between single and legally committed. At heart, though, I think we all have a similar list of things we really want but are really hesitant to ask for, whether we’ve been dating someone for a month, or been married to them for a decade. Things like:

Image result for 7 things every girl REALLY wants but will never ask for – #4 and #7 holds the key!

1. Compliment her.

2. Hold her when she’s crying.

Image result for 7 things every girl REALLY wants but will never ask for Hold her when she’s crying.

3. Express tender gestures.

We don’t need our life with you to resemble a romance novel, but there are many small, sweet things you can do that will make her feel both desired and cherished. It may not seem like much, but this kind of intimacy is so important, and it’s something that’s almost impossible to ask for.

4. Reassure her every now and then.

Sometimes all it takes is one simple statement: “You’re the only woman I want.”Logically, we know that, but there are times when our rational mind is overcome by insecurity or hormones or the current cover of Maxim. I’m not saying you have to indulge that, just, you know, extend a little bit of gentleness.

Image result for 7 things every girl REALLY wants but will never ask for Hold her when she’s crying.

5. Do stuff.

Wash the dishes. Fold the laundry. Change the sheets on the bed. Rinse your plate and put it in the dishwasher. Mow the yard. Give the kids a bath. Search for the missing socks. We handle this junk all the time, you guys, and you’re guaranteed second base at minimum if you would do some of these things unprompted from time to time.

6. Encourage her.

It’s so easy for women to lose themselves in the girlfriend/wife/mother roles. Remind your girl of the things she’s really good at and encourage her in her hobbies. Give her a gentle nudge out the door to go hang with her friends.

7. Commit to her.

If you’re going to be with your girlfriend, BE with her. Don’t half-ass it. Don’t split your time between her and the memory of your ex or the possibility of the future. Listen to her. Love her. Look at her when she’s talking to you. If she trusts you enough to share her heart with you, you have a responsibility to handle it with care.


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