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HOW TO SET-UP A MINI BUSINESS, SUPPLYING SMALL-CHOPS AND COCK-TAIL DRINKS AT PARTIES AND OTHER SOCIAL EVENTS.

INTRODUCTION
Do you know that the economic down-turn has not deterred Nigerians from celebrating as they please? Well, it’s not surprising, when other nations regard us as the happiest people on earth. This is because, we love to party. Nigerians and especially Lagosians cannot but, celebrate occasions such as Birthdays, Naming Ceremonies, Coronations, Anniversaries, Launchings, Wedding and Even Funeral Ceremonies.

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WHAT ARE SMALL CHOPS?
According to Temitope Adeoti, Chief Executive Officer, J2V5 Craft World & Training Centre based in 3B, Nurudeen Street, off Akinremi, Anifowoshe, Ikeja, Lagos. Small chops are light meats and are also called finger foods. Examples of these light meals are; Spring Rolls, Samosa, Fish Finger, Fish In Batter, Chicken In Batter, Masa (Corn), Masa (Banana) Yamarita (Yam Balls), Puff-Puff, Meat Balls, Pepper Snail, Pepper Steak, Beef Pocket, Pepperonata Gizzard, Prawns In Batter, just to mention a few.

COCK-TAIL DRINKS.
Cocktail drinks can be defined as an alcohol or non-alcohol drinks consisting of spirit or several spirits mixed together with fruits juice to achieve a desired taste. It can also be defined as any mixture of liquid substances, flavoured juice or natural fruits such as Apple, Oranges, Water Melon, Mangoes, Banana, Coconut, Strawberry just to mention a few.
Examples of cock-tail drinks are Chapman, Ice Caprichino, Ice On The Rock, Sunset, Pina Colad, Frozen Strawberry, Blue Lagoon, Juice Swing, Canadian Coconut, Coffee Shake, just to mention a few.

WHY SHOULD YOU START THIS BUSINESS?
You should set-up this business because; it is a money spinning business of all time. It is a business that moves all year round. People need to eat and drink at events no matter the season. This therefore, means that you will always be in business. Small-chops and cock-tail drinks supply is a business that one can easily set-up and feed a whole family with. For example, I know a woman in Lagos, with just like myself, who does small-chops and supplies them at parties and today, she has trained all her children up to the university level.

WAYS OF MAKING MONEY WITH SMALL-CHOPS AND COCK-TAIL DRINKS.
1. You can make and supply them directly to celebrants or go through party planners.
2. If you do not want to go through the stress of producing the small-chops by yourself, you can act as a supplier. You can get small-chops like Samosa and spring rolls and supply them at events and make money. There are some small-chops like puff-puff, Masa and others that need to be fried at event venues so, as to serve them fresh and you can always get people to do this and pay them.
3. The third way through which one can make money with small-chops is via training. One can make good money training people on how to make small-chops. To train on how to make small chops, trainers charge between N10, 000 to N15, 000 or even more per person depending on the location. If you are able to train at least 10 persons per week, that is an income of N100, 000 to N150, 000 for you.

HOW TO START THIS BUSINESS.
This has always been my advise-do not go into any business that you know so little about. If you go into any business that you do not have the practical knowledge of, you will be at the mercy of your workers who can disappoint or even frustrate you at any point in time. However, once you have the knowledge, you can always train others to do the job for you.

WHAT YOU MUST PUT IN PLACE.
1. Work-space (it could be in your room or your kitchen).
2. A table with Formica top.
3. Oven, gas stove or ordinary kerosene stove.
4. Pots and frying pans.
5. Knives, plastic bowls and spoons (big and small).
6. Apron and face cap to avoid hair from what you are making.
Some common items needed to prepare small-chops includes; carrots, cabbage, minced meat, snail, gizzard, chicken, flour, yeast, beef, croaker fish, yam (for yam balls). For cock-tail the following items are basic; fruit juices of various brands and flavours, glass cups, ice cubes, flavouring essence, banana etc.

WHERE DO I GET THE MATERIALS NEEDED FOR THE BUSINESS?
They can be purchased from the open market but there are some things that you can only get from established supermarkets like Shoprite in Lekki in Lagos and other big supermarkets.

HOW DO I CHARGE?
In this business, you charge per hundred pieces. For example spring rolls and Samosa cost between N50 and N90 or more per piece depending on your location and the ingredients used in filling them. Shrimps are more expensive. So when you use shrimps as filling in making Samosa or spring rolls. It will be more expensive than when cabbage and carrot or beef filling is used. A 100 pieces of spring rolls can be produced in less than one hour with good hands at work.
Your location also determine how to charge, if you are in a location where the cost of living is high like Victoria Island, Lekki, Magodo etc. it’s better to prize high. Do not charges low or else your product will be seen as inferior.
Regarding cock-tail drinks, charging is also per hundred. The price is determined by the quality of the materials used. The location where you are also affects the pricing. Some cock-tail drinks can be mixed and brought to the venue of the event while others are made at the event venue to preserve their freshness. Training for cock-tail drinks is also within the same price range as small-chops.
With proper planning and capable hands, you can supply small-chops and cock-tail drinks at three events or more in a day. The most important thing is to have enough knowledgeable and capable staff that can represent you and deliver on your behalf at such events. You do not have to be there by yourself.

HOW DO I GET CUSTOMERS?
Getting customers in this business is usually through referrals. That is, someone who has tasted your small-chops and cock-tail drinks will find it easier to introduce you to his/her other friends than someone who has not. Also, it’s good to advertise in papers, event magazines, on the internet, through handbills, fliers, notice boards in your churches and communities.

HOT SPOTS WHERE YOU CAN SUPPLY SMALL-CHOPS AND COCK-TAIL DRINKS.
Focus on parties, Annual General Meetings, Launchings, Seminars, Hotels, and Weddings. You can also liaise with event planners.

See you at the bank!

HOW TO INVEST IN FEDERAL GOVERNMENT BONDS NOW AS INVESTMENT IN BONDS GAINS UPPER HAND.

INTRODUCTION.
As a lot of people are waiting for the stock market to recover, smart investors have now found bond markets as a ready instrument to apply their investment funds. Since this investment instrument is the safest. It has become a darling of many, including banks and investment outfits and insurance companies. No wonder most of the issued bonds are oversubscribed.
Waiting for the stock market to recover before you apply your fresh capital investment is like staying under water for hours and still expecting breathing to take place. Your cash will have a battle with inflation to survive. Bonds are instrument that most successful investors use as a good source of returns on investments for their financial fortunes. Especially in troubled times.
Actually, the stock market, to many may seem to be in the right now-which is not the case, the fact is that this time is very difficult to discern stock because, there are fewer right now so, bonds seen to help reduce the stress of even trying when you don’t have the skill and since bond trading is as simple as just filling the form with minimum analysis, you can got a good government bond on the floor of the stock exchange to buy. And the returns and the initial investments are guaranteed. Most investment will rather take this route.

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AS A BOND INVESTOR, YOU HAVE GUARANTEED FIXED RETURNS.
A bond is a certificate of indebtedness issued by a borrower to a subscriber. Bond issue is a situation where government creates an opportunity to borrow money from the investing public by issuing papers promising buyers of such papers or bonds a certain percentage of the cost representation (interest generated) of the bond every six months till the duration of the bonds. In bonds, the returns you make are fixed, your profit and how it is going to be paid is predetermined or is already stated and agreed upon by parties to the transaction.

BONDS HAVE GOVERNMENT PAY BACK SECURITY.
Bonds bear interest at either a fixed or variable rate, which can be subject to a cap known as the Maximum Legal Limit. As government draws its income from the society as a whole, its debt can be seen as an indirect debt of the taxpayers. Governments cannot really go bankrupt since they must keep providing essential services to citizens; hence the issue of default to payment to bond subscribers is very rare.

Bonds are floated by both the federal and state governments in a bid to raise capital for infrastructural development. Bonds are valuable tools for generating cash for projects. Even though that they have not particularly been popular in the past, but recently the rate at which bonds are being floated is quite amazing and the interest it is generating is equally astonishing. The money in it for investors is secured and fixed based on the fact that government must finance projects, must spend, must budget and government must pay you back.

HOW BOND STARTED.
Bonds are not entirely new in Nigeria, in 1978, the then Bendel State Government issued a N20 million bond on behalf of the Bendel State Development and Planning Authority to finance housing estates and shopping centres. That 10 years 7% coupon rate bond was fully subscribed. In 1985, the Ogun State floated a N15 million 12% coupon rate government water project bond, which was subscribed to the tune of 75%. In 1987, the Oyo State Government successfully floated the N30 million 16.5% Adamasingba shopping centre and sports complexes bonds. In the same year, Lagos state’s N30 million 17.5% Lekki Peninsula Residential and commercial construction bond was very successful and recently, Imo State floated the N40 billion Ogwuta Lake bond for the development of a resort facility at Ogwuta Lake. This also was successful.
To encourage long-term savings, the government introduced the sale of federal government of Nigeria (FGN Bonds) in October 2003. The FGN bonds were sold to the investing public through all licensed banks and discount houses in the country. However, most of the investors adopted a “Hold to maturity” approach but since the advent of the secondary market bond trading systems, the opportunity has become open for short-term profit taking and money making.
An example of bond is the Lagos state 13% fixed rate bond public offer, which pays an annual interest rate of 13% split twice yearly (i.e. on July 15 and January 15 each year).
Breaking it down, it means that if you invested N1, 000, 000 (one million naira) in this bond, you will get thirteen percent interest every year paid to you every six months, and that amount to N130, 000 per annum split into N65, 000 every six months. Then at the maturation date, that is, at the end of the tenure of the bond, you will get your one million naira back in full plus the last coupon payment of N65, 000. No saving account or dividend payout at this time can beat returns on bonds. If you are buying from the primary market, the Debt Management Office (DMO) publishes an offer circular detailing the bonds on offer and interested investors can collect application forms from the Primary Dealers and Market Markers (PDMMs) firms authorized to trade bonds on behalf of investors.

THE PRIMARY MARKET OPPORTUNITY.
The primary market is for the fresh issue of the bonds. This is done through a bidding process at auctions organized by the DMO. Investors interested in the primary auction can only bid through the Primary Dealers/Market Marker PDMMs bond brokers who are license to trade bonds on behalf of their clients or anybody who is interested in making money through bonds. The minimum investment in FGN bonds at auction is N10, 000 (Ten Thousand Naira) per bond maturity. There is minimum subscription of N10, 000 plus multiplies of N1, 000; thereafter, the coupon that is the dividend to be paid, is market determined and usually attractive. It is fixed and interest is paid semi-annually. The tenor runs for 3, 5, 7, 10 and 20 years depending. Its security is backed by the full faith and credit of the federal republic of Nigeria and all FGN bonds are tax exempted.

PROCEDURES FOR INVESTING IN FGN BONDS IMMEDIATELY.
First you must know that the federal government of Nigeria stands as the issuer of the bonds with the Debt Management Office standing as the issuer’s agent and the Central Bank of Nigeria is the agent’s bank and stock brokers to the offer are appointed periodically while the registrars are still the Central Bank of Nigeria and the issuing agent.

HOW TO INVEST IN FEDERAL GOVERNMENT BONDS.
The FGN bonds are sold to the investing public through Primary Dealers/Market Markers (PDMMs), institutions authorized to deal directly with the DMO in bond auctions they are involved in the issuance, sale and marketing of all FGN bonds. Apart from underwriting every bond issued, they also allow for trading process to take place on these bonds thereby creating an active secondary market trading for bonds issued by the DMO.

THE SECONDARY MARKET.
The secondary market is for trading of the already issued bonds. This market is fairly liquid, with large volumes traded daily. Investors can call the PDMMs to get bid and offer quotes for all the existing maturities issued after the commencement of the Primary Dealership System. Settlement is through the Delivery Versus Payment (DVP) System, on a Two plus 2 working days period. That is, once you make payment through your agents, your evidence of ownership is delivered to you in two days.

TRADING ON THE STOCK EXCHANGE.
The trading of bonds on the floor of the stock exchange is to enhance the liquidity of the bond, it gives opportunity for people who want to exit from the bond to do so at a bid and offer price that will be governed by demand and supply principle of the stock exchange. Bond trading can be very lucrative and it is not as tedious as stock trading even though, the processes are the same. You have to go through the stockbroker since this trading is done through the secondary market. You buy from somebody who already has and is willing to sell some or all of his holding at a particular price. Don’t forget that stock or bond speculation is risky when you don’t have the knowledge. Also don’t borrow money to invest when you don’t know the terrain.

SUMMARY OF TRADING METHODS FOR BONDS.
As investors in this fixed income, you have two markets where you can invest in FGN bonds to earn guaranteed goods returns.
1. At the primary market, where auctions are held every month.
2. At the secondary market, where Primary Dealer Market Markers (PDMMs) sell and buy bonds every working day.

SIMPLE ADVANTAGES OF BONDS.
Government issues bonds to raise capital to finance its activities, manage its borrowing more efficiently. All these help, the economy. Government also provides a basis for benchmarking the coupons. To provide a basis measuring interest rates for most market instruments. To deepen and enhance savings and investment opportunities. It is also used for the mobilization of funds for the development of infrastructure and the real sector of the economy. You are helping to diversified, solidified and self sustaining the economy.
Debt Management Office, Plot 4471448, Constitution Avenue Central Business District PMB 532 Garki Abuja, Nigeria. Telephone: 234-9-675629.

YOU DO NOT PAY TAX ON YOUR RECEIVED INTEREST.
The issuer, which is the government in this case, typically uses proceeds from a bond sale to pay for capital projects or for other purposes it cannot or does not desire to pay for immediately with funds on hand. Tax regulations on governing bonds generally require all money raised by a bond sale to be spent on one time capital projects within three to five years of issuance.

HOW TO GET YOUR RETURNS.
You have options and you decide whether to hold your bond till maturity (and enjoy streams of coupon payments every six (6) months or sell it off at the OTC market whenever there is an opportunity to make capital gains through secondary market transactions. Both interest payment and capital gains are tax free at the instance of a “Special Waiver” granted by the Federal Inland Revenue Services (FIRS).

ADVANTAGES OF BONDS OVER SHARES.
The advantage of bond over shares is that in shares, when you receive dividend, tax is deducted, and you may not always have dividend if the company does not declare its profit. But in bonds because of its irredeemable investment system, the investor knows what his returns will be.

HOW TO MAKE MONEY FROM DEBENTURE STOCK.
A debenture is a long-term debt instrument issued by corporate institutions for the purpose of raising funds. A debenture is backed by all the assets of a company which have not been pledged otherwise. The debenture holder functions as a lender to the issuer of the debenture and in return a specific rate of periodical interest is paid to the debenture holder. This is very much different when compared to equally stock which offers investors unguaranteed dividend payment, unstable price on the exchange and relatively low yield.

AVAILABLE OPPORTUNITY NOW!
First bank ever dollar bonds to the tune of $3.3 billion (500 billion naira) is coming to Nigeria. I remember GT Bank offering its Eurobond of $350 million rating 8.5% on a tenor of 2012 with investors already taking their returns in foreign currencies; and Access Bank’s N13.5 billion naira bonds was successful. Now NAHCO (National Aviation Handling Company) is hitting the streets with a N5 billion bond to support its expansion and operation. It is an inconvertible bond that will not liquidate its shareholders status. Then you have the Imo state and Kwara State Governments following the path of Lagos state government, this market are set for a boom.
Currently trading daily in the secondary market is the FGN bond of 2010 and 5 year tenor trading on the basis of 13.49%, 12% and 10.95% coupon rate with transactions in the bond market entering the trillion naira market and the primary dealer market markers standing in as brokers for would-be investors. The wealth in this sector is bound to simmer down to many... judging from the fact that bonds are large and save investment. They have face value, coupon rate and maturity date. You can take advantage of the different instruments and various tenors anytime.

See you at the bank!

HOW TO REGISTER YOUR BUSINESS NAME WITHOUT DELAY.

INTRODUCTION.
There’s no doubt that many Small and Medium Scale Enterprises (SMEs) have had and still have several challenges which debar them successfully from registering their businesses. For many, registering a business name still seems like crossing the Red Sea. But really, it is due to inadequate information as regards to small business name registration.
However, Mr. Appah Amaebi, The Head Consultant, Hostcruise.com an offline and online information marketing outfit, in Lagos and he shares his business name registration experience with us and gives a guide to overcoming pitfalls in registering your own business name.

HEAR HIM!
Registering your business name with the Corporate Affairs Commission (CAC) can be an uphill task if you are not properly armed with the right information. The CAC Staff themselves are not helping matters at all. They can be an unnecessary pain in the neck. However, by following these strategies, you can register your business name yourself without the aid of any Lawyer.
These steps will save you money; show you how to avoid delays. Frustration and the need to bribe anybody just to register your business name. In fact, with these strategies, you can register your own business name with less than N10, 000. And this is guaranteed. To do this successfully, follow these steps;

BE CREATIVE WITH YOUR BUSINESS NAME.
Many SMEs usually face tough time getting approval for their business names. This is because they find out that their choice name had already been taken up or has been used by someone else. The implication of name rejection is starting the whole process all over again. My advice is, think up a good and unique business name that is not common. By so doing, you ensure that your business name is available and “Sealed” for you. If you fulfill these criteria. You will have avoided two things.
1. You would have saved yourself the headache of going through the whole registration process all over again after three weeks of waiting.
2. Purchasing of another business name availability forms will be avoided, thereby saving you funds that could have been used for other more important things. Examples of common business names to avoid includes; God’s Grace Store, Divine Ventures etc. Avoid Generic Names like John, Grace, Ade, Peter, Paul etc. in your business name options unless you have a new and creative way of presenting these names.

KNOW EXACTLY WHAT TYPE OF BUSINESS NAME MODEL YOU WANT TO REGISTER WITH CAC.
You must know exactly the business name model that you intend to register with CAC. If not, you may be back to square one.

THE AVAILABILITY FORM YOU WILL PURCHASE AT THE CORPORATE AFFAIR COMMISSION FROM N200 AND ABOVE CONTAINS THE FOLLOWING;
1. Private Limited Company.
2. Public limited company (PLC).
3. Unlimited Company (ULTD).
4. Change of Name.
5. Company Limited by Guarantee (LTD/GTE).
6. Business Name.
7. Incorporate Trustees.
Take note that, what you want is business name, so you will have to indicate by ticking the column box by the side of the business name. The rest of the names that are stated above require a lawyer to help you process their registration.

AVOID BUSINESS NAMES THAT NEED CERTIFICATE BACKING.
Business names that you do not have the necessary certificate to back it up, should be avoided. For example, that includes words like consulting, Konsult, Technician, Guru, Finance, Coaching etc. if you must stick to such a name, then, get a partner who has all the necessary certificate to register such business names.
Take note that, all certificates must not be short courses (those that lasted for just one or two weeks). They could be certificates from government recognized institutions provided; the programme is more than one year.

HAVE A BACK-UP BUSINESS NAME.
Always ensure that you have a backup business name (An Alternative Business Name). This is because the CAC availability forms you will submit with two (2) business names have (options A and B). I will advise you to have other business names as back-up, just in case, the one you want has been taken up by others.

NEVER USE ANY CORRECTING FLUID ON THE AVAILABILITY FORM AND FILE.
Correct all your mistakes simply by simply striking it with a line neatly.
Do this to ensure that you don’t get your form rejected, following this instruction implies that you save time and money.

ENSURE TO PROCESS YOUR BUSINESS NAMES BEFORE IT EXPIRES.
Endeavour that you do a follow-up on your business name registration. Check after three weeks to reduce the risk of the business name being taken up by someone who submitted his/her form after you did but was following it up more closely.

See you at the bank!

The way everything is now being done on the internet everyday surprises me.
The era of town criers, flutes, drums etc. as a means of communication has been so modified that one of the trends that is taking over the place right now is the use of computer. In fact, the technological advancement that accompanies the computer is so massive that if you are unaware of this trend, you are cut off from civilization.

And because, development has taken its turn in the World in such a way that, everything one does is somehow related to the Internet.

Now is your opportunity to position yourself and learn how to design a simple but clean professional looking website for people and earn mega money for yourself.

To design a simple but clean professional looking website for people will cost them something from N10, 000 to N50, 000 depending on the quality of the work you are able do for them and your negotiating abilities.

The Benefits of Website Design to Businessmen and Women are numerous.
Companies and Businesses needs Websites to advertise their products or services to millions of Nigerians and Worldwide, sales promotion, new product launch, feedback from customers and consumers etc.

Schools also need Websites to reach their existing students, prospective students, staff and parents. And In fact every sector of the economy needs Websites to market their products & services.

Political parties and aspirants need to reach millions of Nigerians for their party events, activities, publicity, campaigns and meetings etc. through Website.

Churches and Mosques needs Websites to reach members on their programs, reach outs, events, follow up/evangelism and general publicity etc.

Website designs job is so big my dear because, there are millions of businessmen and women out there who are ever ready to pay you for their own online business shop or website so that, they can start marketing immediately to millions of Nigerians online right now and around the World.

This is what am doing right here in Nigeria as a profession and I can design a simple but clean professional looking website for people while still chatting with my fine babe. No joke. I have absolute control of my own time, nobody is shouting at me or commanding me to come to work by 8am and live at 6pm with hold-ups, tedious works under intensifying heat. I am my own boss because; I work at my own pace and enjoy myself because of my job satisfaction.

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Nice One, Well Done! My Dear.

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see how Nigerian Youths are making mega money for themselves without defrauding anybody.

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