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Financial independence means having the freedom, and liberty to work on your own terms, travel around the world, and let money do the hard work for you.

Most Nigerians often assume that to become financially independent, one must be very rich and popular. So, the question is how rich? To be financially stable doesn't correlate with how much money you have, but how far you can live with the money without working.

This article is about financial independence and I will teach you how to build wealth, solve the challenges you have with money and live a prosperous life. To be able to live such a lifestyle, you must learn how to control money. The issue we face today in this country is due to the inability to manage our mindset when it comes to money-related issues.

We easily get carried away by material things, we want to impress people, to show off that we've arrived. All of these contribute to why the country is still plagued with extreme poverty.

If you come across topics related to financial independence, you should know that there is more to it than just having cars and expensive clothes.

Like my definition above, to reach a certain level of financial independence, you must be proficient with savings, avoid debts at all costs, have multiple streams of income, train your mind and body, and invest what you cannot touch for the next 10 to 15 years.

Click here to continue reading.. However, for some people, 10 years may seem too long because unforeseen issues and challenges may arise which will entice them to break their savings.

But there is good news, what if I say you can do it for more than 10 years without having to worry about money? Let's find out!.

Are you interested in investing in the S&P 500 index fund but unsure of how to start, particularly if you reside in Nigeria? One of the safest, cheapest, and easiest ways to invest in the stock market is through index funds, and the S&P 500 fund can be an excellent starting point, especially for new investors.

The good news is that you don't have to travel to Pennsylvania, USA, to visit the headquarters of the S&P 500 index fund company. Instead, you can follow the steps outlined in this article to become a proud shareholder of the S&P 500 index fund in no time.

What is S&P 500 Index Fund and how does it work?

Click here to continue reading. An S&P 500 index fund is a popular investment option that tracks around 500 well-established companies in the United States. By investing in this fund, you can own a tiny percentage of all the companies within the index.

Investing in an S&P index fund provides you with..

If you’re starting to invest in index funds, there are some key things to keep in mind. In this post, we’ll go over some tips and advice that can help you get the most out of your index fund investments, along with other important information you should be aware of.

What are Index Funds and how does it works?

If you’re new to investing, index funds can be a great way to start building your wealth. In fact, I began investing in index funds myself a few months ago, and it’s been a rewarding experience.

Here’s how it works: An index fund is a type of investment that pools your money with that of other investors and uses it to buy shares in a large number of different companies. By investing in an index fund, you own a small percentage of each of those companies, which helps you diversify your portfolio and minimize risk.

To give you an idea of how this works in practice, let’s take a look at the S&P 500 index fund, which is one of the most widely used index funds in the world:

The index fund is called S&P 500

It tracks 500 different companies

The companies it tracks are the largest ones in the United States

The index is updated on a quarterly basis

By investing in the S&P 500 index fund, you’re essentially investing in a broad swath of the U.S. stock market, which can help you achieve long-term growth and potentially earn higher returns than you might with other types of investments. And because index funds typically have lower fees than actively managed funds, you’ll keep more of your earnings over time.

Click here to read complete article. Here’s how your money would be invested in an S&P 500 index fund:

If you're considering investing your money in index funds, you've come to the right place. This article will guide you on how to invest in index funds, provide an overview of what index funds are, and recommend some of the best-performing index funds to buy both in Nigeria and abroad.

What are Index Funds?

Click here to read complete article. An index fund is a type of investment that pools money from multiple investors to buy a diversified portfolio of stocks that tracks a specific market index. By investing in an index fund, you can own a small percentage of a broad range of companies in the index, which can help you to reduce risk. Index funds can include more than 100 companies in the index market, and they are a popular and passive investment strategy that seeks to replicate the performance of the underlying index.

Unlike actively managed funds, index funds are highly liquid, just like the stocks they track. This means you can buy and sell them easily and quickly, similar to how you would buy and sell individual stocks and equities.

Over time, index funds have been proven to perform better than the average investor or investor groups that use fundamental analysis to invest. This is because index funds provide exposure to a diversified portfolio of stocks, spreading out the risk of individual stock performance and impacting the overall return on investment.

In my view, an index fund performs well when the positive performance of good stocks outweighs the negative performance of bad stocks. However, there may be times when the majority of the stocks in the index fund perform poorly, which can negatively impact the fund's performance.

It's important to note that the yield of a typical index fund can vary significantly, ranging anywhere from 2% to 200% annually. This range indicates that, on average, index funds tend to produce positive returns. Nevertheless, it's crucial to understand that past performance is not a guarantee of future returns and that there is always some level of risk involved when investing in the stock market.

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The Tinubu/Shettima Presidential Campaign Council, which was created in October 2022 to assist in the presidential campaign of Bola Tinubu, who is now the president-elect, and Senator Kashim Shettima, has been dissolved.

Governor of Plateau State, Simon Lalong, and the director-general of the PCC, along with James Faleke, the PCC's secretary, issued a statement on behalf of the council's head, President Muhammadu Buhari, announcing the dissolution of the council. The announcement was made a few weeks after the 2023 presidential election results were announced.

The APC's decision to dissolve the PCC is significant in the aftermath of the presidential election. The party will need to find new ways to organize and coordinate its political activities. Political parties must adapt and evolve to changes in the political landscape to remain relevant and competitive. The future of Nigerian politics remains uncertain, and it is the responsibility of the APC and other political parties to navigate this uncertainty and provide the best possible leadership for the country.

The council expressed its gratitude to President Muhammadu Buhari for his assistance during the election campaign. Most importantly, they extended their thanks to all of the party's members and followers who contributed their efforts to support the party's presidential candidate, leading to their victory. The council acknowledged the hard work and dedication of everyone involved in ensuring the party's success in the election.

Read more..https://thedailymetron..com/2023/04/apc-dissolves-presidential-campaign.html?m=1

Florence Otedeloa, who goes by the stage name DJ Cuppy, is a renowned Nigerian disc jockey who recently made headlines after sharing a video of herself dancing with a visible bump. This sparked speculation that she was pregnant with her fiancé Ryan Taylor.

Continue reading: https://thedailymetron..com/2023/04/dj-cuppy-reveals-her-pregnancy-status.html?m=1

In today’s fast-paced world, it’s essential to have a solid saving plan, regardless of your profession or status. Whether you’re a 9-5 worker, business owner, or student, you’re undoubtedly aware of how quickly time passes by. Saving can be broadly categorized into two categories – preparing for future uncertainties and indulging in luxuries.

Saving money is a wise financial decision that can be pursued for different reasons. One reason to save is to prepare for future hardships or to achieve a specific goal, such as starting a business, obtaining a degree, or dealing with unexpected health emergencies. This type of saving provides a clear purpose for the money being set aside.

Another reason to save money is to enjoy luxurious items or experiences that cannot be purchased outright. This type of saving may be necessary to afford a trip, a property, a car, special occasions, fashion accessories, and more. By saving gradually over time, one can eventually afford these luxuries without jeopardizing their financial stability.

People save money for various reasons, and regardless of the purpose, having savings can be advantageous in the future. Whether you’re saving to prevent financial difficulties or to attain your desired possessions, having a savings fund can be a helpful safety net.

In this modern age, technological advancements have revolutionized the way we save money. Gone are the days of the traditional “thrift collection” as we have embraced new methods of saving. With technology, we have access to various digital tools and apps that enable us to save automatically and efficiently. These technological changes have made saving money much more convenient and accessible for everyone.

Thanks to the availability of smartphones, anyone can easily start a saving plan from the comfort of their own home. With this in mind, I would like to introduce you to Piggyvest – a digital platform for saving and investing money.

Why PiggyVest?

Piggyvest is an online financial institution that focuses on assisting individuals with saving and managing their finances, much like traditional banks. However, their approach sets them apart by providing additional features and benefits that incentivize individuals to save more.

Initially launched as Piggybank on January 7th, 2016, the company achieved success within three years of its inception. As a result, they rebranded and changed their name to Piggyvest, while also introducing direct investment opportunities for their users to complement their savings plan. With Piggyvest, individuals can save and invest their money efficiently while achieving their financial goals.

7 Reasons Why Piggyvest is the Ultimate Savings Solution

Continue reading.. https://financehq.com.ng/why-piggyvest-is-the-ultimate-savings-solution/

Saving money involves the act of setting aside a portion, if not all, of your earnings for future or specific purposes. This requires sacrificing some immediate gratification to reach a financial obligation. Gradually mastering the habit of saving money is the most effective and convenient way to achieve this.

Saving is an essential practice that everyone should adopt, and this article serves as a gentle reminder of its importance. In addition, it provides ten proven strategies to help master the habit of saving money in Nigeria. Furthermore, the article outlines practical approaches that you can employ to start saving money immediately.

Continue reading... https://financehq.com.ng/strategies-for-mastering-the-habit-of-savings/

PiggyVest Safelock is a reliable savings feature provided by a renowned Nigerian fintech firm. It offers a convenient and flexible means of saving money with interest. With Safelock, users can earn attractive interest rates by locking up their funds for a specified duration, usually ranging from 10 to 60 days. The more extended the lockup period, the higher the interest rate accrued.

This guide aims to provide a detailed explanation of how to withdraw funds from PiggyVest Safelock before the maturity date. Although it’s best to keep the funds in Safelock until the due date for maximum earnings, there may be circumstances that require early withdrawal. This article will walk you through the process of making an early withdrawal and important factors to consider.

Learn more: https://financehq.com.ng/how-to-withdraw-funds-from-piggyvest-safelock/

Some individuals have been inquiring whether it's possible to obtain a loan of up to N50,000 on their first request from FairMoney. However, this is not feasible for initial borrowers. Nevertheless, I have discovered a loophole.

This article will provide an explanation in simple terms on how to receive this sum during your initial application with FairMoney as a customer.

Note: It's important to note that you must be a new user and possess a favorable credit history before attempting this approach. I will teach you on how to secure N50,000 or more on your first loan request with FairMoney.

Please continue reading: https://financehq.com.ng/fairmoney-microfinance-bank-loan/

It is common knowledge that the Nigerian government has recently announced the approval of over 173 online loan apps to legally operate in the digital lending space. Among these apps, 119 were granted full approval, while 54 received partial approval.

To aid Nigerians in making informed decisions when choosing online loan apps, this article aims to list all the approved loan apps that have been certified to operate. This is important due to past complaints about these digital apps, which have been accused of blackmail, intimidation, harassment, and defamation towards customers who are unable to pay on schedule.

According to Punch News, the Federal Competition and Consumer Protection Commission established a framework to regulate the operations of online loan apps in the country. This was necessary due to the proliferation of illegal apps that were operating without jurisdiction, and therefore, could not be held accountable for their nonchalant attitude towards retrieving back loans.

Under the new framework, all lending apps, including those in Google Play Store and those using official websites, were mandated to register with the government to continue operating. Some online banks were barred by the government as well.

It is essential to differentiate between regulated and unregulated loan apps accurately to avoid bad lending companies, otherwise known as loan sharks. Unregulated loan apps have caused significant harm to their customers, as they tend to disregard their loyalty once they default on loans.

Therefore, it is advisable to stay away from unregulated loan apps and refer to the list of approved loan apps by the federal government to make an informed decision.

Read more: https://financehq.com.ng/list-of-online-loan-apps-approved-by-the-federal-government-of-nigeria/