RESULT-BASED MANAGEMENT

There is a haunting quote from Edward Deming that one of the saddest things in business is to "do with great efficiency that which ought not be done at all." Too often, our time and efforts are mis-directed and wasted.This week I had a conversation with one of those wonderful people who truly loves her work and has succeeded in building a business around her core talents and values. Unfortunately, she's doing more and more of it, while earning less and less.
Like many professionals and managers, she is caught-up in the joys and details of her work, and has forgotten to measure the bottom-line. In professional offices, this can happen when the boss is so focused on excellence in their profession that they forget to manage the business. One of my most common coaching scenarios is the passionate professional (Attorney, Architect, whatever) who loves their work, but needs help running the business. They may be the best professional in town, but their business is floundering.
It happens in larger enterprises where policies and procedures or traditions have taken on a life of their own. Employees (and the boss) end up doing their jobs and working very hard, but not necessarily growing the business or serving the customer in the best possible way. Over time it's a recipe for frustration and ultimately, failure. Whenever we forget to focus on our most important RESULTS, we run the risk of working hard on things that "ought not be done at all."

IT'S THE LITTLE THINGS

In life, the "little things" make all the difference. We like to pretend that at least the "big things" in life, like choosing a spouse or career or teaching our children, are the result of well-thought-out decisions, but it never works that way.Careers grow out of conversations over coffee or lunch. They happen because we need a job or because a friend has a friend in the business. Marriages grow out of casual flirtations at a party or because a friend set us up. The BIG stuff never starts with a bang; it starts as something small and later we look back in astonishment at what mighty oaks grow from tiny acorns.
Both achievement and failure are like that.
Getting rich almost never requires "big" drama. It starts with the small decision to save a few dollars every week. Most people who end up "doing well" invest in safe, boring mutual funds, let compound interest work in their favor, and over time, it works out well. Unfortunately, going broke is just as easy. Make a few small decisions to buy one of those, and one of that, and pay the bill next month. Over time, there you go.
To gain weight, eat a few extra calories every day. A scoop of ice cream or an extra sandwich should do it. Fortunately, losing weight (for most people) is just as simple: Run or bike or hike a few minutes every day, skip desert, have a salad for lunch and there you go.The keys to success are almost NEVER dramatic. High achievers might get up a few minutes earlier or make one more phone call every day, but that hardly qualifies as "dramatic," does it? Winners train slightly harder or slightly longer, but not so that anyone would notice. Unfortunately, the path to mediocrity is just as ordinary. Henry Thoreau observed that "most people live lives of quiet desperation" not because they made big mistakes or fail any great test. They simply make the same small mistakes, over and over, day after day.
Here are some suggestions for small steps that create huge pay-offs over time:
1. Eliminate the little annoyances. Everyone has their personal list, and we tolerate them precisely because they seem so "little", but they rob us of energy, passion and confidence. It if annoys you, fix it.
2. Do one good thing for yourself, every day. Read a good book or watch a video. Soak in the bath, or go for a run, but do something enriching and fulfilling, just for you, every day. It'll make you strong.
3. Take one extra step in the direction you want to go. Rarely does "the good life" require courage or drama, but it does require that we move in the direction we want to go. Make one more sale, write a letter, make a call. Exercise or read or play with the kids. Every day, do one "little thing" that moves you toward success.
4. Invest in your relationships. "We get by with a little help from our friends," and the love of family and friends makes all the difference. And, once again, it's the little things! Give her a call, write him a note. Invite a friend to lunch, keep the friendship alive. These "little things" make life more fun! Success and failure are the result of small steps, taken over time, one after another. Magnificent mansions are built of small, ordinary bricks, piled one on top of another. Marathons are completed one step at a time. What do you want? What sort of life would you prefer? You can have it, one day at a time. But you must walk in the direction you want to go.

Quotes of the Week
"Inch by inch, anything's a cinch. Yard by yard, everything is hard." -- Unknown
"The way we live our days, is the way we live our lives." -- Annie Dillard
"A day will never be anymore than what you make of it. Practice being a doer'!" -- Josh S. Hinds
"If you can DREAM it, you can DO it" -- Walt Disney

FINDING FINANCIAL FREEDOM

Do you ever get this in your email box: Find Financial Freedom! Make $150,000 from home in the next 90 days! How about 10 times a day?
Every time I get one of these, I think to myself, “Hmmm, Financial Freedom. I already have financial freedom, even though it doesn’t look like what these emails promise me.”
Financial freedom is a buzzword for our generation. It is the pursuit of literally millions of people. So what is it? Is it that elusive? Can anyone get it?
Let me start by saying that this article will not be about how to earn money, or even more money. Rather, it will be about how to find financial freedom, which may or may not involve making more money.
Financial freedom – here we go!
The first step in finding financial freedom is to realize that financial freedom has absolutely nothing to do with how much money you have or make. What? Exactly. Financial freedom is something that goes on inside of you. This is why someone who makes very little can be happy and someone who makes a ton can be extremely stressed out over his or her financial situation. So the first step is to realize that financial freedom is more about our attitudes toward money than about the amount of money.
“Okay Chris, I’m with you. So what are the attitudes that provide financial freedom?” Here are a few that keep me in financial freedom.
I do not have to worry about money. I used to catch myself saying, “If I had more money, then I wouldn’t have to worry about …” But do you know what? I don’t have to worry anyway. I can control my income. I can control my outgo. I can make choices that can alleviate any of my worries. I also realized that things always work out. So why worry? I choose not to worry.
I can be happy regardless of my financial state. I know people who are worth hundreds of millions of dollars and I know people who don’t have two nickels to rub together. Some are happy and some aren’t. And none of the people who have a lot of money say to me, “Chris, I’ve become so happy since I got money.” They were happy before they had money and they are happy now that they have money. Their happiness has nothing to do with the money. I think it was the Billionaire David Geffen who said, “Anyone who says that money will buy them happiness has never had any money.”
Money will be a means to an end, not the end itself. Another way to look at it is that money will be a tool to build the house, not the house itself. I would set some financial goals if I were you, but go beyond that to know what greater purpose there will be when you reach them. What will the house be that you will build with that tool?
I am free. I am free to earn – some people think it is bad to earn more money. It isn’t. I am free to save – some people believe it is bad to save. It isn’t. I am free to give money away – some people feel they will be better off hoarding it. They won’t. I am free to spend – some people believe that they can’t spend anything on themselves. They can. We are free to make choices. That is financial freedom. One of my favorite quotes is from Charles Wesley, “Earn all you can, save all you can, give all you can.” That will keep you in financial freedom.
Some other principles for financial freedom…
Debt is the primary freedom killer. Want financial freedom? The first thing you should do is to get out of debt. That is priority number one. One of the reasons I have financial freedom is that I have no debt other than my house payment. And I work hard to manage myself and our home to keep us that way. For years I drove an old junker car, and while I looked bad, I had financial freedom that others who were in debt didn’t have!
There is an old proverb – The borrower is the servant of the lender. Who has freedom? The lender. Who doesn’t? The borrower. Develop a plan to get out of debt!
Embrace delayed gratification. Here is the principle: Buy it now and struggle later. Another principle: Delay it now, invest the money, and have all you want later on! And you won’t even have to touch the principal! We tend to think that having it now will bring enjoyment, but unless you can do it and not cause yourself financial stress, you will actually get more from waiting to buy it later!
Have more by managing better. The fact is that most of us earn enough. What would be beneficial would be to set our priorities and live by a budget. As we get control, our budget will loosen up a bit and we will find ourselves enjoying it more. Money that is already there can be your answer if you put it to work for you.
Spend some time thinking through your attitudes about money. You may be surprised at how you can change a few, look at things a little bit differently and begin to enjoy true financial freedom!

WHAT IS SUCCESS?

A company entitled "Made for Success" begs the question: Just what is success? So, join me as I wax philosophical and pursue this question in this brief article. Success has been an elusive term since the beginning of time. For ages, men and women have pursued that which would make them happy and fulfilled. At the same time they have tried to determine that which would make them feel as though they have achieved success. Some have defined success themselves, while others have been content to have others, or societies at large, define success for them. We would most certainly all agree that to a large degree, "success" is defined by the individual or group that is pursuing it.
Is there an objective definition of success? I do think that there are some general principles, shown throughout history, which measure true success. I would like to give you some principles that I believe are helpful when thinking about the subject for yourself, your family, and your career.
Before we begin, I need to say that I am excited about the direction that much of the recent success literature has taken. While I don't agree with all of the viewpoints that are expressed, I am glad that more emphasis has been placed on what I call "whole-life" success, including such things as family, health, and spirituality. Success literature that is centered on financial wealth and the attaining of material possessions only, is not truly success literature in the broadest sense of the term. While financial success is good, it is certainly not the final measurement of the fulfilled life.
To truly understand success, one must first understand the nature of human beings. I believe that you would agree with me that humans are in their very nature a trichotomy, that is, they are made up of three parts: Body, Soul (the mind, emotions, and will), and Spirit (that part of us that transcends this body). To achieve whole-life fulfillment, "Success," each of these areas must receive special attention in order to bring balance to our lives and achieve true success.
In the past, success has come to be measured by a basic core of measurable objectives, all of which, in and of themselves are fine, but in and of themselves are totally inadequate to fulfill a person. Some of these are:
Money. The accumulation of money has always been a pursuit of man. The more money the better, it has been believed. And yet many who have achieved this end have looked back at the rest of us and warned that it isn't all that it is cracked up to be. Now, don't get me wrong, having money is not a bad thing. Many people misquote the New Testament when they say, "Money is the root of all evil." In fact, the N.T. says "The love of money is a root of all kinds of evil." Money is neutral. What people allow money to do to them, is not. So the pursuit of money, in the right frame of mind, can be a good thing.
Power. Power, like money, is high on the list of success goals. And, like money, power is bad or good based on the use it receives in the hands of people. Power, whether political or simply untitled influence, can be a good thing. If you achieve power, that is good, as long as you are good with it.
Happiness. This is almost entirely subjective and usually includes one or all of the other success goals. People define their version of success and then pursue it. Usually it means a sense of fulfillment and peace, which I will discuss later on.
Freedom. Whether as individuals or groups, freedom has rightly been a pursuit and definition of success. America, even with its faults, is still the epitome of freedom. This is why so many people from around the world long to come to America or other fine democratic countries. As individuals, they want to be able to choose their own destiny, to wake up every day and do what they want, to as opposed to what someone else chooses for them.
Healthy relationships. Let's face it, life is not lived alone. We are in a plethora of relationships, from the very superficial to the most intimate. Let's also agree that unhealthy relationships are not good. Nothing can bring a person down quicker or for a longer time than trouble in a cherished relationship. And yet, millions of people have realized that the pursuit of some goals have been to the detriment of their personal relationships. This is what John R. O'Neil calls "The Paradox of Success."
Health. The joy of success is not in the achievement of it, but the experience of it. It is the conscious knowledge of your success, the fruit of your success, which brings fulfillment. And if you are not healthy, you can almost certainly not enjoy your success. Your health is perhaps the most cherished of all possessions. Without it, you cannot enjoy your other possessions.
A relationship with God. For most people, eternal questions are important, even the most important. To be sure, we live after this life a lot longer than we do in this life! Having a belief in God and an understanding of his ways has long been a pursuit and goal of people, regardless of age, nationality, race or gender.
So, how can we sum this all up? What is success? Is it one of the above? All of them? Others? I have found something that helps me understand the concept of success very well. It is the Hebrew word "Shalom." Most people have heard this word interpreted as "peace," and, in its simple definition, that is indeed what it means. But the understanding of the word peace to those who originally used this word meant something very broad. When someone said "shalom" to you, they were wishing you peace in every area of your life. They meant success to you. This incorporated all areas of your life. It meant wholeness. They were saying, "May your finances be well. May your health be well. May your mind and heart be at rest. May your relationships be good. May you know and understand God. May you be blessed in every area of your life."
So what is success? It is wholeness in every area of your life. It isn't the achievement of one area to the detriment of one or more of the others. This isn't balance and won't bring us peace.
This is what Made for Success is all about, to challenge and encourage you to true success, to peace in every area of your life. This is why you will find articles on a very broad range of topics. Articles on health, finances, spirituality, relationships and the like will fill the pages in the months and years to come. I hope you find them helpful.
Shalom!

THE CARE AND KEEPING OF CUSTOMERS

The first question of any business is to understand WHAT business you are in.Most people think McDonald's is in the restaurant or hamburger business, but many analysts through the years have observed that they are actually in a variety of businesses. They are in the real estate development business. They are in the entertainment business. And most of all, they are in the customer service business.
Every business is first, last, and always in the business of providing superior service to its customers.It costs a fortune to attract a new customer. The time, money, energy, anxiety and effort to get a new first-time customer in the door is a huge expense. No business has the resources to attract and serve only new customers. The key to profits is in keeping and serving the customers you already have.Some studies show that it costs up to 85 times more money to get a new customer than to make an additional sale to an existing customer.
No matter what other business you are in, your first business is in keeping and serving and partnering with your customers. It's called customer retention. Sometimes it's called "up-selling". It goes by many names, but the principle is the same: Nurture and keep your customers!
Customer service is about reliability and it's about relationship. It's about trust. It's about the quality of your product, but even more, it's about the quality of your service before, during and long after the sale.

GOOD FENCES MAKE US RICH

I've been thinking about the line from Robert Frost that "good fences make good neighbors." I'm convinced that the most over-looked essential for success is the skill of "good boundaries."High achievers do one thing at a time. They are focused, determined and persistent (a polite word for stubborn). But more than anything else, success requires that we are not distracted, that we don't waste our time and energy chasing non-essentials. Most of us do too much of that and wonder why we don't achieve more in life.This week I've had several conversations that brought this home to me. One friend laughed out loud when I asked him to set limits on his work and "just say no" to outrageous demands. He argued that he would lose customers, that he prides himself on responding to his clients and that, "I just couldn't do that." As a result, he works long hours doing trivial things that are "urgent" for other people! He's often exhausted and, of course, he is not building his own business.
I was reminded of Michael Gerber's famous dictum to "work on your business rather than in your business." In my friend's case, my fear is that neither his business nor his life will flourish because he spends so much time and energy on his clients' petty interruptions. Highly successful people build tight fences around their work. They define what they do, decide what you won't do, and then stick to it.A second essential is to "fence out" new opportunities. Yes, you read that right. We live in a world of endless opportunities. You can go to school, start a new business, go to China for the Olympics, or buy another house while they're on sale this year. Opportunities abound! Television may be our most common distraction, but I'm convinced having too many opportunities may be our most expensive distraction.The key to success is to do one thing well. And do a lot of it. And sell it at a price that is a "bargain" for your customers and profitable for you. Failures are always chasing the "next big thing." They are experts at "starting over." Successful people are narrow-minded and they persist. They put good fences around "opportunity."
A final boundary is to put boundaries around our friends and loved ones. This is tough! And, obviously, I'm not talking about putting limits on the quality of our relationships. Love and friendship is what life is all about! But, I don't answer my phone every time it rings. One of the toughest things in life is to be disciplined about how we balance our relationships and our work. "All work and no play makes Jack a dull boy." We all know tragic stories of people who spent their lives working and ended up alone and bitter. Don't do that! In my work, however, I see more instances of people who are so caught up in their friends and family, their community or their hobbies that they fail to focus on their work. That, too, is a failure of boundaries.We want to be "nice." We value our relationships, and our friends and family are wonderful people. No wonder we want to "put them first." That's a good thing! But so is doing your work, pursuing your passion and building your business. Balance and boundaries are the key.
Robert Frost observed that "good fences make good neighbors" and I would add that good boundaries make us rich, in every sense of the word. Boundaries are essential to build your business, to create and maintain healthy relationships, and to enjoy the life you truly want. Maintain your boundaries.

Quotes of the Week
"If you are clear about what you want, the world responds with clarity." -- Loretta Staples
"It only takes one person to change your life - you." -- Ruth Casey
"Enthusiasm finds the opportunities, and energy makes the most of them." -- Henry Hoskins
"I couldn't wait for success, so I went ahead without it." -- Jonathan Winters

ACTIONS STILL SPEAK LOUDER THAN WORDS

Too often we talk about what we are going to do "someday" while we actually do very little to make our dreams come true. We talk and dream and set goals and plan. We budget and visualize. We do everything, in fact, except take action.We all know that only action changes things. One of my favorite slogans is that "Nothing changes until something changes." I love the reminder that even a small step in the right direction can have huge implications! And, I love the reminder that only action will make our dreams come true.We are blessed to live in a time when we can have or do just about anything we can imagine. You can go to law school or medical school--yes, you really could! You can make a fortune, start a foundation, travel the world, raise happy children, run for office, publish a book, start a business or become a hermit and live in the woods. If you can imagine it, you can DO it!The only catch is that you have to actually make it happen.I see at least three popular tools that are routinely used to avoid taking action. They are good tools when used properly, but we mis-use them to stay in our comfort zones, change nothing, and wonder why our dreams never come true.
First - We set too many goals. I'm a huge fan of goal-setting and I even wrote an ebook about the process. I use goals in my business and personal life, and I encourage my clients to set goals, so don't mis-understand me here. The problem is that we set goals instead of taking action. We plan and talk and set dead-lines, when what we should do is get to work and "go for it". Losing weight is not a goal! It isn't even a long-term project, it's about walking around the block, skipping desert or whatever is right in your situation, and doing it today. Never set goals when it's simpler and more powerful to take direct action!
Second - We wait for the right time. Yes, "there is a season for every purpose under heaven" and timing can make a huge difference. But we mis-use that truth when we refuse to take reasonable action while we wait for a "better time," or for the moon and stars and our checkbook to be in alignment. It's an excuse, folks! There will never be a magical "right time" to start a business or start a family or start a savings plan.The time is NOW! Take action, do what you can, move in the direction you want to go. Stop procrastinating and move it!
Third - We look for "leverage" so we can make big, dramatic progress. Now, of course big steps forward are wonderful! They are fun and exciting and leverage can make everything easier. No one doubts that! But that is no reason to avoid doing what you can, where you can, right now.In fact, too often the "big steps" are scary and then we find even more reasons to avoid them.In most things, I'm a huge fan of "baby steps" and have written about taking the smallest, safest, least dramatic step you possibly can, so long as you take it today. Take small steps, just take them!
Find and use a goal-setting routine. Goals are vital to your long-term success! Just don't get so lost in the process that you forget to look up, get up, and get into action! The same is true of timing and taking huge, bold steps when you can.
Action always speaks louder than words or plans or goals. Only action gets stuff done! Take small steps, but start today. Call someone. Read something. Open a savings account. Invest a dollar, take a walk, talk with your kids. Whatever it is, just do it! Before you go to bed this evening, take some real, measurable, positive step (no matter how small) in the direction you want to go. Then tomorrow, do it again.

Quotes of the Week
"Begin somewhere; you cannot build a reputation on what you intend to do." -- Liz Smith

"Destiny is not a matter of chance, it is a matter of choice. It is not a thing to be waited for, it is a thing to be achieved." -- Jeremy Kitson

"It only takes one person to change your life - you." -- Ruth Casey

"You've got to get up every morning with a smile on your face, and show the world all the love in your heart. Then people gonna treat you better; You're gonna find, yes, you will, that you're beautiful as you feel." -- Carole King

SELF-IMAGE IN SELLING

Why Your Self-Image is a Key Part of Your PersonalityYour self-image is the way you see yourself and think about yourself. It is often called your "inner mirror." You look into this mirror in every situation to see how you should perform on the outside. You always behave on the outside in a manner consistent with the picture you have of yourself on the inside.How Do You See YourselfFor example, if you see yourself, as calm, confident and competent in any aspect of selling, when you are engaged in that activity, you will feel calm, confident and competent. You will be positive and happy.
You will perform well and get excellent results. If, for any reason, it doesn't go well at that time, you will throw it off and dismiss it as a temporary situation. Your self-image is clear. In your mind's eye you see yourself as good and capable in that area, and nothing can interfere with your mental picture.Change Your Self-ImageThe most rapid improvements in sales results come from changing your self-image. The moment that you see yourself differently, you behave differently as well. And because you are behaving differently, you get different results.

You probably already know that the most successful people have incredible levels of self-confidence. They've accomplished great levels of success and happiness in their lives and seem to be uns toppable in everything that they do. The fact is, that when you develop unshakable self-confidence your whole world will change for the better.You'll have the confidence to take whatever steps necessary to make more money and enjoy a higher standard of living. You'll be more powerful and persuasive with other people. And you'll be more popular and likable.

TRADING SHARES AND MAKING MILLIONS!

Before you purchase a stock, perform a detailed research on the company of whose stock you are about to buy.What about that stock blazing hot stock tip from your friend who keeps yelling at your ears, "Buy now or you will miss a life time opportunity" . On the other hand, you don't buy a stock just simply because it keeps popping up on the financial papers nor merely because a supposed financial expert recommended it. If it sounds too good to be true, then shine your eye oh. You only purchase a stock after proper research and it fits your criteria as a viable stock.Thorough research is the single most important thing you can do before purchasing a stock. After research, you should know every available fundamental fact about your company, its history and its future plans.The variables you should be looking for in a stock are the
Public quotation price.
current market price.
Highest quoted price.
Lowest quoted price.
Earnings per share.
You can use our stock quote and see a graphical view of the stocks price history.
Nigerian Stock Price List
Company
Current Price
Previous Price Change
Sector
7UP 54.46 54.46 0 Food Beverages
ABATEX 0.91 0.91 0 Second Tier Securities
ABCTRANS 4.49 3.74 0.75 Road Transport
ABPLAST 3.98 3.98 0 Packaging
ACADEMY 9.60 10.63 -1.03 Publishing
ACCESS BANK 18.00 16.80 1.2 Banking
ACENINS 0.95 0.95 0 Insurance
ADSWITCH 4.95 6.68 -1.73 Second Tier Securities
AFPRINT 6.00 6.00 0 Agriculture
AFRIBANK 23.60 24.01 -0.41 Banking
AFRIPAINTS 3.49 3.49 0 Chemical and Paints
AGLEVENT 10.40 10.94 -0.54 Conglomerates
AIICO 4.79 4.66 0.13 Insurance
AIR SERVICE 15.00 17.00 -2 Airline Services
ALBARKA AIR 0.58 0.58 0 AviationAP 293.98 293.98 0 Petroleum
ASHAKACEM 42.66 40.67 1.99 Building Materials
ASO SAVINGS 4.19 3.61 0.58 Mortgage
AVIATION DEV 1.02 1.02 0 Aviation
AVONCROWN 11.40 11.40 0 Packaging
BAGCO 6.40 5.12 1.28 Packaging
BAICO 3.87 3.87 0 Insurance
BCC 50.26 48.70 1.56 Building Materials
BERGER 13.98 13.32 0.66 Chemical and Paints
BETA GLASS 22.00 19.15 2.85 Packaging
BIGTREAT 5.59 4.61 0.98 Food Beverages
BOCGAS 14.17 13.49 0.68 Ind-Dom Products
CADBURY 35.30 33.07 2.23 Food Beverages
CAP 54.15 54.15 0 Chemical and Paints
CAPALBETO 107.38 107.38 0 Construction
CCNN 15.16 14.41 0.75 Building Materials
CHELLARM 24.00 23.00 1 Conglomerates
CHEVRON 355.49 338.59 16.9 Petroleum
CILEASING 11.16 11.16 0 Leasing
CONOIL 99.80 99.80 0 Petroleum
CONTINSURE 4.00 3.25 0.75 Insurance
CORNERST 4.14 3.98 0.16 Insurance
COSTAIN 27.95 25.10 2.85 Construction
CRUSADER 7.35 7.50 -0.15 Insurance
CUSTODYINS 5.44 4.29 1.15 Insurance
CUTIX 13.46 13.46 0 Second Tier Securities
DANGFLOUR 26.00 23.62 2.38 Food Beverages
DANGSUGAR 34.00 31.75 2.25 Food Beverages
DIAMOND BANK 16.78 16.06 0.72 Banking
DNMEYER 11.92 12.64 -0.72 Chemical and Paints
DUNLOP 3.86 3.05 0.81 Automobile and Tyre
ECOBANK 8.17 7.50 0.67 Banking
EKOCORP 9.30 9.78 -0.48 Healthcare
ELLAH LAKES 4.26 4.26 0 Agriculture
EQUITYASUR 5.06 5.06 0 Insurance
ETERNAOIL 29.61 28.14 1.47 Petroleum
EVANSMED 7.20 6.32 0.88 Healthcare
FAMAD 6.00 6.00 0 Food Beverages
FCMB 15.15 15.61 -0.46 Banking
FIDELITY BANK 10.20 10.17 0.03 Banking
FIDSON 6.48 6.20 0.28 Healthcare
FIRST BANK 41.99 40.74 1.25 Banking
FIRST INLAND 8.30 7.95 0.35 Banking
FIRSTALUM 5.23 4.64 0.59 Ind-Dom Products
FLOURMILL 85.00 79.90 5.1 Food Beverages
GCAPPA 29.56 28.09 1.47 Construction
GLAXOSMITH 23.00 23.00 0 Healthcare
GNI 3.71 2.93 0.78 Insurance
GOLDINSURE 2.68 2.12 0.56 Insurance
GROMMAC IND 8.14 8.14 0 Agriculture
GUARANTY BANK 27.90 26.78 1.12 Banking
GUIINEAINS 3.04 2.77 0.27 Insurance
GUINESS 123.01 123.00 0.01 Breweries
HALLMARK 2.33 1.62 0.71 Computers
HMARKINS 1.86 2.16 -0.3 Insurance
IAINSURE 0.87 1.09 -0.22 Insurance
IBTC 16.20 15.61 0.59 Banking
IKEJAHOTEL 6.66 5.51 1.15 Hotel and Tourism
INCAR NIG 8.50 8.50 0 Automobile and Tyre
INTBREW 5.60 5.96 -0.36 Breweries
INTENEGINS 4.36 3.67 0.69 Insurance
INTERCONTINENTAL BANK 30.80 35.49 -4.69 Banking
INTRA MOTORS 0.60 0.60 0 Automobile and Tyre
IPWA 5.32 5.59 -0.27 Chemical and Paints
JAPAULOIL 9.12 10.64 -1.52 Maritime
JBERGER 114.60 114.60 0 Construction
JOHN HOLT 16.42 16.42 0 Conglomerates
JOS BREW 6.27 5.96 0.31 Breweries
JULI 4.14 3.94 0.2 Second Tier Securities
LASACO 3.70 3.06 0.64 Insurance
LAWUNION 5.21 4.93 0.28 Insurance
LENNARDS 5.48 5.48 0 Food Beverages
LINKASSURE 2.87 2.28 0.59 Insurance
LIVESTOCK FEEDS 6.23 5.40 0.83 Agriculture
LONGMAN 25.20 25.20 0 Publishing
MAYBAKER 11.56 11.72 -0.16 Healthcare
MBENEFIT 3.74 3.25 0.49 Insurance
MOBIL 196.87 196.87 0 Petroleum
MORISON 15.44 15.44 0 Healthcare
NAHCO 22.33 21.00 1.33 Airline Services
NASCON 14.01 12.12 1.89 Food Beverages
NB 51.00 50.00 1 BreweriesNBC 50.20 50.00 0.2 Food Beverages
Have you ever heard of sit down and earn, even while almost everybody isn't, yes it still works. Well since the inception of Nigeria Stock Exchange, you can do that here in Nigeria. With a little cash and the right knowledge, your financial future can be guaranteed. Stock marketing in Nigeria can be a great source of confusion for somany people.
But be patient, I will explain all the secret details ofthe Nigeria Stock Exchange.Business is the cornerstone of every economy. Almost every large corporation in Nigeria started out as a small, side job operation and through growth, became financial giants. These so called fortune 500 companies didn't start as giants, they simply grew. How did these small companies grow from tiny, home town enterprises to members of the largest businesses in the Nigerian economy? They raised capital by selling stock in themselves in the floors of the Nigeria Stock Exchange .We will show you the secrets of stock marketing in Nigeria,the risks involved in Nigerian stock marketing and the unbelievable gains of Nigeria stock marketing.
Every business has its hurdles, so does stock marketing. We won'tpromise you a gold mine, but we assure you of a mine, dig well and youwill find gold. The type of gold only stock marketing can guarantee.

THE HOW, WHAT AND WHY OF HAPPINESS!

Declaration of Independence said we are entitled to the pursuit of happiness, but it made no promises about finding it. How many achieve a life of true happiness? The research says, not many. Happiness does not "just happen." Hard work, good health, even success and long life do not guarantee happiness.Happiness is intensely personal and yet it is a skill and it can be learned! Happiness is your birthright! You deserve it and you have everything you need to live with joy every single day. Will you be "entertained" everyday? Of course not! Sometimes, it rains and sometimes you stub your toe. But through it all, some people find inner peace, optimism, self-confidence and joy. You can too!Please join us for seven sessions with Dr Sonja Lyubomirsky, the world-famous researcher who understands how happiness works, and more importantly, a world-famous teacher who can show us the way! I'm excited (can you tell?) and look forward to seeing you on the calls. Take action!
And yet too many of us struggle to achieve our goals with few results and little to show for our hard work. Don't let that be you! You know you are talented! You know you have everything you need to make your dreams come true, but you also know that some people achieve more in a week than others do in a lifetime. The difference is simple. High achievers work with good tools and do the right things, in the right way, at the right time.Highly successful people get the tools. They listen to audio programs that show them HOW. You have the power and the talent! Now, get the tools to be one of the winners. You know you can achieve great things and this 4-part self-coaching program can make all the difference. Get it, listen, learn and create the results you truly desire. Claim your power now! It's not always easy, but the process is simple IF you act. Take action.
Every winning athlete, and successful business person has a team of experts behind them. How would you like a team of hand-picked advisors committed to your personal success? What could you do with expert advice, wise counsel, and a network of successful people at your finger-tips?Back in 1935, Napoleon Hill wrote that a "MasterMind" group was the one essential behind every successful person he interviewed! And yet very few people create a Mastermind team to help them achieve their most important goals in life! Now you can! Most people "don't know how" or they fear they "wouldn't know who to ask."

PROGRAMMING YOURSELF FOR SUCCESS

Your mission statement is always written in the present tense, as though you have already become the person that you have described. It is always positive rather than negative. And it is always personal.
Program Yourself Correctly
Your subconscious mind can only accept your mission statement as a set of commands when you phrase it in the present, positive and personal tenses. "I am an exceptional salesperson," is a perfect example. After every sales call, you should quickly reread your mission statement and ask yourself if your recent behavior was more like the person you want to be, or less? As a top sales performer, you are always comparing your sales activities against a high standard and adjusting your activities upward. You're continually striving to be better. Every day in every way, you are deliberately working to become more like the ideal person you have envisioned.
Determine Your Mission Statement
Your goal is that, a year from today, when one of your customers has lunch with one of your prospects, and your prospect asks your customer to describe you in detail as a salesperson, your customer will recite your business mission statement voluntarily. The way you have treated your customer will have been so exemplary that your customer will describe you in the most glowing of terms.
Compare Yourself Against Yourself
Once you have developed a mission statement like this, you can read it, review it, edit it, and upgrade it regularly. You can add additional qualities to it and more clearly define the qualities you've already listed. It becomes your personal credo, your philosophy of life, your statement of beliefs and a guide to your behavior in all your interactions with others. Each day, you can evaluate your behaviors and compare them against the standard that you have set in this statement.
Shape Your Own Personality
Over time, a remarkable thing will happen. As you read and review your personal mission statement, you will find yourself, almost unconsciously, shaping your words and conforming your behaviors so that you are more and more like the ideal person you have defined. People will notice the change in you almost immediately. Over time, you will find that you are actually creating within yourself the kind of character and personality that you most admire in others. You will have become the molder and the shaper of your own personal destiny. After you have applied the ABC Method to your list, you will now be completely organized and ready to get more important things done faster.
Action Exercises
First, imagine that one of your customers was going to meet with one of your prospects. What would you want him to say about you? How could you behave with your customer to assure that he says these things?
Second, talk to yourself positively all the time. Feed your mind with positive messages that describe your goals and the person you want to be.