Wednesday, 31 August 2016

What your corporate plan should entail

Hello readers, today I will be writing about your corporate plan. A corporate plan is a neccessary tool needed to achieve business success. A corporate plan focuses on a strategy for a long-term period. When I say long-term in this context, I am talking about a period of 2 to 5 years, it can exceed 5 years, however, it must not be lower than 2 years. A corporate plan looks at the actions employees should take in order to achieve the business goals of an organisation.

The actions which were written in the corporate plan that employees will take must include the ways they should deal with business challenges when they occur; the corporate plan should also denotes training employees in order to be able to excel while carrying out the day to day business transactions. Corporate plan breaks larger business goals into smaller goals. Your corporate plan must ensure that there is an alignment between all the departmental actions within your business organisation, All your staff have to be focused on the mission and vision of the business organisation.

A corporate plan will include the mission and vision of your company. It will also provide a summary of your business goals. Then each goal must be discussed individually while also focusing on the actions employees will take to achieve your business goals. It will also include a SWOT analysis. The key performance indicator of your business must also be included in your corporate plan so that employees will be guided as to what to aim for.

A corporate plan helps the business plan become more achievable. Your corporate plan must include a forecast of your product demand. It must mention the economic trends of the country your business is domicilled in. Your company's market share must also be discussed in it. A forecast of your revenue, cost and profit margin must also be included in your corporate plan. Your corporate plan should be reviewed and improved annually. That is all for today.

Thank you for reading this article, keep checking out my blog regularly. Cheers!

Monday, 29 August 2016

Brand recognition: it helps you achieve business growth



Hello readers, today I will be writing about brand recognition.  There are some products that are of good quality but they are not selling as they should because the brand is not really known. I am sure you have gone to buy bottled water (in a developing nation) and have seen a funny name and you were like I do not know this product so I won't buy it and you end up going for the famous brands like Eva, Mowa or Swan.

Individuals whose product(s) are not famous or who are about to start a business could learn from this article. You have to create a buzz about your product(s). The best way to create awareness is to advertise on tv. Most people watch tv if not all. Cut your clothes according to your size, go for the television station(s) whose advert rates you can afford. Also advertise your product(s) on radio stations. This will also make your product(s) famous.

The packaging and the name you attach to your product(s) also helps your product(s) sell. The name you use will create an impression about your product, if it sounds good then people will buy it. Promoting your product(s) on its package also helps your product(s) sell better. For example, If your water bottling company is not famous, telling your potential customers by writing on the bottle that your water is gotten from a very pure source will motivate them to buy it. For you to write on it, it shows you are confident about your product(s).

Creating value which I have discussed extensively in two previous articles (How to create value in business and What your business should be aiming for) will also help make your product(s) famous. A business logo could also be used to make your products popular. Anytime you want to advertise your product(s), your business logo must be included. Providing an excellent customer service is another way to make your product(s) popular.

That is all for today, thank you for reading this article. Keep checking out my blog regularly. Cheers!

Friday, 26 August 2016

Seeking the Forgiveness of Allah

Allah is the Greatest. One of the 99 names of Allah is Al Ghaffar which means The Repeatedly Forgiving. Allah is the Most Forgiving and the Most Merciful. There is absolutely no one like Him.

"Lo! men who surrender unto Allah, and women who surrender, and men who believe, and women who believe and men who obey and women who obey, and men who speak the truth and women who speak the truth, and men who presevere (in righteousness) and women who persevere, and men who are humble and women who are humble, and men who give alms and women who give alms, and men who fast and women who fast, and men who guard their modesty and women who guard (their modesty), and men who remember Allah much and women who remember-Allah hath prepared for them forgiveness and a vast reward" Quran Chapter 33:35

We all commit sins, it is very possible to avoid the major sins. When you avoid the major sins, Allah says He will overlook your minor sins. Allah loves charity, when you give out charity, Allah says you have given Him a loan and He will double it for you and He will forgive you. The only One that forgives sins is Allah. He forgives all sins. However, if you offend someone, it is okay for you to ask the person to pardon you. That will please Allah.

Seek for forgiveness from Allah every time you pray. Saying SubhanAllahi Wa Bihamdihi (which means Glory and Praise belongs to Allah) 100 times during Fajr and Maghrib prayers is a way of seeking forgiveness from Allah. Saying La ilaha illallahu wahdahu la shareeka lahu, lahul mulku wa lahul hamdu wa Huwa'ala kuli sha'in Qadeer (which means There is no God but Allah alone. He has no partner, His is dominion and His is praise and He is Capable of all things) 100 times during the Fajr prayers is another way of seeking His Forgiveness. Saying Astaghfirullahal wa atoobu ilaihi (which means I seek the Forgiveness of Allah and repent unto Him) 100 times during the Fajr prayers is another way of seeking forgiveness from Allah

Saying Astaghfirullahal 'Azeemalladhi la ilaha illa Huwal Hayyul Qayyomu, wa atoobu illahi (which means I seek the Forgiveness of Allah the Mighty other than Whom there is no other God, the Living, the Eternal and repent unto Him) after every prayer (5 daily prayers) is another way of seeking His Forgiveness. 

That is all for today. Thank you for reading this article. Keep checking out my blog regularly, cheers!

Thursday, 25 August 2016

Largest companies in the world by revenue

Hello readers, the largest companies in the world by revenue are going to be provided to you so that it could influence your decision about what industry you want to start a business in. Here they are:

1. Walmart Stores, Inc.
This is the largest company in the world with a revenue of $ 482 billion as of January, 2016. It operates in the retail industry. The company is owned by a family. Its headquarters in USA. They are present in 28 countries.

2. China Petrochemical Corporation
This company is also reffered to as Sinopec Group. It is the second largest company in the world by revenue. As of 2014, it had a a revenue of $455 billions. They operate in the oil and gas industry.

3. China National Petroleum Corporation
This is a state-owned oil and gas corporation. It is the 3rd when its comes to the largest companies in the world by revenue. As of 2014, it had a revenue of $428 billion.

4. Saudi Aramco
This company is also known Saudi Arabian Oil Company. It is the 4th largest company in the world. It is owned by the Saudi Arabian government. As of 2014, it had a revenue of $378 billion. It operates in the oil and gas industry.

5. State Grid Corporation of China
This company operates in the electric utility industry. As of 2014, it had a revenue of $333 billion. It is owned by the government of China. Its headquarters is in China. It serves 5 countries which include China, Austrialia, Brazil, Italy and the Philippines.

6. Samsung
This is a company that  was created in South Korean. They serve the world at large. It was created in 1938 by Lee Byung-chul who is now late. It operates in the electronics industry. As of 2015, it had a revenue of $305 billion.

7.Vitol Group of Companies
This company was founded in Netherland in 1966, it operates in the commodity industry. It was founded by Henk Vietor and Jacques DeTiger. Its headquarters is in Switzerland. It had a revenue of $270 billion as of 2014.

8. Exxon Mobil Corp
This is another large company in the world by revenue. Its headquarter is in USA. As of 2015, its revenue was $268.88 billion. It was founded in November, 1999. It is nice that achieve such growth strategically within 16 years. 

9. Royal Dutch Shell PLC.
This company operates in the oil and gas industry with its headquaters in Netherland. It was founded in February 1907. As of 2015, it had a revenue of $264.96 billion.

10. Volkswagen Group
It operates in the Automotive industry. As of 2014, it had a revenue of $245 billion. The headquarters is in Germany.

Now you have seen the industries that might appeal to you. That is all for today. Thank you for reading this article. Keep checking out my blog regularly, cheers!

Wednesday, 24 August 2016

The qualitative characteristics needed when preparing a financial statement

Hello readers, so really you have an accountant that helps you with the preparation of your financial statements, however the financial statements of your company are also your responsibility. Today I will be telling you about 6 characteristics needed when it comes to preparing the financial statements. We have the fundamental qualitative characteristic and the enhancing qualitative characteristics. The fundamental qualities are the main ones while the enhancing qualities enhances the main ones. Here they are:

Fundamental Qualitative Characteristics

Relevance
A financial statement should be prepared in such a way that it will meet the decision making needs of its users. The financial statement should also be prepared in such a way that it will correct any wrong information that has been provided in the previous statement. An information is said to be relevant if the omission and misrepresentation of it will affect the decisions of its users.

Faithful Represention
The financial statement must represent what it purports to represent. The statement must be true and fair. As such the financial statement must be free from material errors, free from bias and be complete.

Enhancing Qualitative Characteristics

Verifiability
When a financial statement can be confirmed then it is verifiable. This help users believe it is reliable and credible. When users of the financial statement can depend on it, then the financial statement is said to be reliable. Thus, it must be complete, it must be accurate meaning free from errors. It must also be free from bias, meaning it must be neutral.

Comparability
The financial statement must be prepared in a way that it can be compared with previous financial statement of the company. It must also be prepared in such a way that it  can be compared with financial statements of other organisations so that users can make effective decisions.

Understandability
A financial statement is said to be understandable when users who have a reasonable knowledge of activities carried out in terms of business and economics can interpret the financial statements.

Timeliness
There is a saying "it is better late than never". Yes, it is better late than never in some situations. However, for the financial statements it must be timely. When the financial statement is published on time it helps you influence the decision of its users.

Thank you for reading this article. Keep checking out my blog regularly. Cheers!

Tuesday, 23 August 2016

The goodwill of a company

Hello readers, today I will be writing about the goodwill of a company. Goodwill is an intangible asset that is calculated upon the acquisition of a company by an individual, a group of individuals or a company. Goodwill should include  the good reputation of a company, going concern (whether the future of the company looks prosperous or bleak) of  a company, employee relations and customer relations and others. As such , the goodwill can not be separately identified without the sale. There are some other intangible assets but they are not part of the  goodwill, this include the patent right, licenses, trademarks and others.

Goodwill could be negative, this happens when the fair market value of the company is lower than the value of the total asset. Then a loss is made by the seller, this represents the negative goodwill. When a sale is made  to a buyer and the seller makes a gain from the sale, a situation where the fair market value is higher than the value of the asset of the company then the seller is said to have goodwill which is the difference of both values. This will reflect on the financial statement of the buyer as a non-current asset.

Fair market value is the estimated reasonable amount a buyer is willing to pay a seller for a property this includes a company. Both the buyer and the seller must accept the price before it can be called a fair market value. Once the sale has been made the buyer is then allowed to reflect the goodwill on its financial statement. 

Goodwill can be impaired and it must be tested annually for impairment. Impairment can occur when the fair market of the value drops or when the asset they bought along with the company does not perform the way it used to perform. Once it has been impaired, it must be adjusted for accordingly on the financial statement. That is all for today.

Thank you for reading this article. Keep checking my blog regularly, Cheers!

Monday, 22 August 2016

Supplying your goods and services: You need to handle it effectively and efficiently


Hello readers, there are some places you go to and you realise they do not have what you want despite the brand being a reputable one. You prefer their product, however, the supply chain of the maker of the product is not on point. Today I will be writing about how you can improve your supply chain so that your goods and services will be supplied in an effective and efficient way. A supply chain focuses on the creation and sharing of products within a network. It starts from when you buy the raw- material to its conversion into finished products and finally delivering it to customers.

Some world market leaders have attained such a position through an enhanced way of supplying goods. Supply differentiation is one way to stay competitive, some world market leaders (company) use technology that will help you them know the right time to deliver goods and services to their customers. This helps their business do well. Even after a market leadership position has been attained you must always  come up with ways to improve your supply chain, so that what you have does not become redundant after competitors come up with better ways to deliver their goods. When you improve your supply chain despite being the market leader it helps you to respond to changes in the market promptly.



Some companies incorporate high-speed supply chain so that they can deliver products faster than their competitors. A way you can use to improve the supply chain management skills of your company is to analyse your data about your customers accurately, to know the time when you are meant to deliver your goods accurately. You should also have a meeting with the leaders in your company so that strategies that can improve your supply chain can be developed during the meeting. During this meeting you should motivate your team to identify risks that your supply chain might encounter so as to readily have a solution for them ( just in case anyone of them happens). Incentives should be given to staff it must tailored in a way that they will be motivated to put their best into  the delivering of goods.

Another way to improve your supply chain is to divide your products and customers into segments so as to be able to create strategies tailored to the need of each segment. Hope you have gained a thing or two. That is all for today.

Thank you for reading this article, Keep checking my blog regularly. Cheers!

Thursday, 18 August 2016

4 healthy drinks that will keep you active


Hello readers, today I will be telling you about some healthy drinks that you should be taking to stay active. This drinks include:

- Aloe Drinks
This type of drink helps the body to regulate its blood sugar. It also help the skin to stay radiant. It aids digestion . It cleanses your body as well. It can also help your body against diseases. It also has antioxidant which helps with stress levels.

Cranberry Juice
This is one healthy drink as it provides benefits such as antixodants. It also helps with respiratory disorder, stomach disorder, gum diseases and much more. It also prevent a lot of health problem. It is a good one, so at least 1 cup a day will not be a bad idea.

Hot Chocolate
This is another drink as it provides a lot of antioxidants, antioxidant increases in the hot chocolate the moment it is heated up. It helps improve the blood flow. Thus, contributing to a healthy heart. It also contributes to having a healthy mind.

Vegetable Juice
This is a type of juice that is made by blending vegetables, however,fruits such grapes and kiwi can be added to make taste better. This can also boost your immune system as well as the health of your brain. You must take the moment after it is prepared because it spoils easily.

Thank you for reading this article, keep checking out my blog regularly, cheers!


Wednesday, 17 August 2016

Strategies used by Airlines


Hello readers, so I will be writing about airlines. Air Asia which is the largest airline in Asia started with 2 aircrafts and as today they have 82 aircrafts. Strategies employed by Air Asia includes offering cheaper fares while providing quality at the same time. They have a large target market of 500 million individuals or more. Their distribution channels were designed in such a way to make booking and travelling easier for their customers. They use marketing and brand development to stay competitive in the market. They promote a culture that encourages a strong team which in turn provides excellent customer services. They are also make customers know their fleets are safe and reliable.

Pricing strategy used by airline companies includes the peak user pricing, where prices are higher at during peak periods and lower during non-peak periods. It should also be noted that the individual that travel for less distances are more sensitive to prices as compared to individuals that go for long distances. Airline companies also differentiate their products, it could be from the way their staff are dressed to the way they paint their airplanes to the quality of the food served on board.

Technology is used to minimize cost among airlines companies as well as partnerships which enables them to have more fund as a result of more participating parties, this leads to them having more fleets, more journeys and more destinations, thus reducing the fixed cost of the airlines, which will in turn reduce the cost they charge to customers. Fuel used by the company should be managed effectively and efficiently in order to minimize it cost A loyalty scheme is also used to retain customers. 

Allowing customers to book for their tickets in advance also enables airlines to secure more customers. When tickets are also flexible it promotes their products. The space available on airplanes are also used to attract more customers. The quality of staff must be good this will enable  the airline companies to provide high quality services since services are intangible, heterogeneous and perishable thus the ambiance of the airline must be good. Airlines must be timely. That is all for today.

Thank you for reading this article, keep checking out my blog regularly, cheers!




Corporate guidance: A look inside


Hello readers, so today I will be writing about corporate governance. According to BPP Learning Media, Corporate governance is a system by which companies are directed and controlled. The directors of a company are responsible for corporate governance, however, not one size fits all. Not all businesses can be managed the same way. Corporate governance is designed to monitor managers, it promotes the right of shareholders, it also states that all shareholders must be treated equally. The role and the responsibilities  of the board of directors is also stipulated by corporate governance. Corporate governance framework must be designed to disclose the financial situation of the company accurately.

It is also meant to strategic guidance while making the brand of directors accountable for their actions. Since all companies cannot be ran the same way because of the difference in legislation framework and culture. The corporate governance has different models, as such it must reflect those qualities I mentioned above. It also encourages the company to have distribution of power and the power must not be in the hands of only one person. Thus, there must be a chairman who chairs the board and there must be a CEO who is the head of executive directors. While the chairman is responsible for the board of directors, the CEO is responsible for the running of the business organisation. However, the board can override the suggestions of the CEO.

It also encourages companies to give remunerations that are attractive so as to attract good directors and it should also be used to motivate executive directors, as part of their remuneration and should be linked to their performance at work. The right of stakeholders must be recognized when developing the corporate governance model. The corporate governance is concerned about the relationship between internal stakeholders (directors, managers, employees) as well as external stakeholders (shareholders, government, customers, regulators).

Corporate governance also makes sure resources are allocated  well between organisations. It aims at ensuring resources are managed well by those charged with control and management. the corporate governance encourages the board to have a good relationship with the shareholders. A good relationship can be maintained with shareholders through annual general meetings. It also helps formulate the objectives of an organisation, as well as the way risks can be managed within the business organisation. It employs corporate governance, however, different models can be developed.

That is all for today, keep checking out my blog regularly. cheers!

Monday, 15 August 2016

All about product champions


Hello readers, today I will be writing about product champions. This has do with incorporating the creativity of individuals into your business processes. Basically, staff members are given opportunities to come up with an idea(s) as an individual, then convince other staff members to buy the idea. After other staff members have been convinced about the idea, the company will then appoint a product manager with some capital as well as a team to help the staff member that came up with the idea execute the tasks. This staff member must be meeting a particular need of customers, that should be a criteria of the idea because it is one of the goals of a product champion. Minutes of team meetings on the product must be kept has this will help them to achieve the product development goals. However, the product champion (the individual that came with the idea) is responsible for the success of the product. Thus, he or she must understand the target market and their needs.

The product champion must possess some qualities which includes an ability with others, an ability to communicate fluently, an ability to say no, an ability to influence others and other qualities. A product champion will be dealing with customers or set of customers. It could be a random selection  of customers that represent all types of customers that they have, or a large customer maybe a company. The product champion must deal with this customer(s) so as to thoroughly understand the needs of customers as he or she will be serving them. A misunderstanding of the customer's needs can cost the company the product champion is working for a lot of money and it will also dissatisfy the customers. The product champion can relate to the customers but must set boundaries as different customers may have conflicting interests and he has to make the decision that are objective for the best of target market. 

The product champion will also have the ability to overcome changes in the business organisations and must also have the ability to motivate others so that they can be enthusiastic about the business project. Scotchlite is an example of a company that uses product champions. A team should not be made a product champion but an individual should be, this is because a team will have conflicting opinions and might end going in the wrong direction as all of them will be dealing with the customers while some may end up having the wrong impressions about the customers. The ones that end up having the wrong impression might influence others better. So its  best to use one individual as the product champion  so as to deal with customers effectively. Then he takes of the situation in order to achieve the goal which will be ascertained over of time. 

The product champion must work well with the product manager, as the capital and team is assigned to the product manager. He must relate well with the product manager as he is responsible for the success of the product, however, the manager is there to help him manage the product, as the manager must possess skills in that area. The product champion will be making the decisions, however, he must set a plan for a period of time and must be consisted in his plans. He must also consider the team members as well as the product manager. The product champion must possess some entrepreneurial skills, as this will determine whether the idea will be successful. 

That is all for today, thank you for reading my article. Keep checking out my blog regularly. Cheers!





Friday, 12 August 2016

Achieving heaven and a good life


Allah is the greatest. Today, I will be writing about how you can achieve Heaven and a good life, may Allah guide us all. Before I start, it is good to note that God forgives all sins even shirk. "Say: O my slaves who have been prodigal to their own hurt. Despair not of the mercy of Allah. Lo! Allah forgiveth all sins. Lo! He is the Forgiving, the Merciful" Quran Chapter 39:53. "Those who never invoke any other deity besides God, nor take a life which God has made sacred, except with the right to do so , nor commit adultery. Anyone who does that shall face punishment: He shall have his suffering doubled on the Day of Resurrection and he will abide forever in disgrace except those who repent and believe and do good deeds. God will change the evil deeds of such people into good ones. He is Most Forgiving and Most Merciful" Quran Chapter 25:68-70. So repent now from your sins.

There are some websites out there that answer Islamic questions, some might answer them appropriately, some do misguide. You should read the Quran, It will guide you to Heaven and also you achieve a good life on earth. "Surely, this Quran guides to the most upright way and gives good news to the believers who do good deeds, so that they will have a great reward and warns those who deny the life to come with grievous punishment" Quran Chapter 17: 9-10. A revelation from God, the Most Beneficient, the Most Merciful, a Book whose revelations are well expounded, a Lecture in Arabic for people who possess knowledge, proclaiming good news and a warning. Yet most of them turn away and so do not listen" Quran Chapter 41: 2-4. Really, pick up the Quran and read It, It will guide you better than any article even this one. "Say, 'if all men and jinn gathered together to produce the like of this Quran they could not produce one like it, however much they helped one another" Quran, Chapter 17: 88. "If they say, "He has invented it himself.' Say, 'If you are truthful, produce ten invented chapters like it, and call on whom you can beside God , to help you" Quran, Chapter 11:13.

I once read on one so called credible website , yes I used the word so called credible  because it misguides. I was informed on the website that land snails are not permissible to eat. Well they are permissible to eat. It is a great sin to prohibit what God has not prohibited. " He has forbidden you only carrion, blood and the flesh of swine: also any (flesh) consecrated in the name of any but God. But if anyone is forced by dire necessity, not desiring it or exceeding his immediate need, God is forgiving and merciful towards him. Do not falsely declare, "This is lawful and this is forbidden, 'so as to invent a lie against God. Surely, those who invent a lie against God do not prosper - their enjoyment of this life is brief, and they shall have a painful punishment" Quran, Chapter 16: 116 - 117. Music or dancing is also not prohibited.  However, the words of the song will help you decide whether it is sinful to listen to it or not

Allah says you avoid the major sin the minor sins will be overlooked. The greatest sin of all is the association of partners with Allah. Idol worshiping is the greatest sin. The ten commandments of Allah which was given to Prophet Moses (peace be unto him) remained intact. "Say, 'Come bring your witnesses, who can testify that God forbade (all) this, if they bear witness (falsely), do not bear witness with them; nor yield to the wishes of those who deny Our signs, nor of those who do not believe in the life to come and set up others as equals with their Lord. Say,'Come I will tell you what your Lord has really forbidden you! Do not associate anything with Him; be good to your parents; and do not kill your children for fear of poverty - We shall provide sustenance for you as well as them - refrain from committing indecent deeds whether openly or in secret; and do not kill the life which God has made sacred, save in the course of justice. That is what He has enjoined upon you, so that you may understand. Stay well away from an orphan's property except with the best intentions before he comes of age. Give full measure and weight, according to justice - We never charge a soul with more than it can bear -when you speak, observe justice even though it concerns a close relative; and fulfill the covenants of God. That is what He has enjoined you so that you may take heed. And (He commandeth you saying), "This is My straight path; so follow it, and do not follow others ways: this will lead away from His path. This is what He enjoins upon you, so that you may guard yourselves. Then We gave Moses the Book, completing to the righteous explaining everything clearly, as guidance and mercy, so that they believe in meeting their Lord. This is a Book (Quran) which We have revealed as a blessing -follow it and fear your Lord, so you may receive mercy" Quran, Chapter 6: 150-155. The first commandment of God was  "You shall have no other god before me. The sabbath day which is Friday must be kept holy, Jumat must be observed . However, you can work on the sabbath day. The Torah which was the book that was given to Moses has been adulterated, however, some remained intact like the 10 commandments.

Allah has no Son, the Bible has been adulterated. They say "The Gracious One has begotten a son. Assuredly, you have uttered a monstrous falsehood, the Heavens might well - nigh burst thereat, and the earth break asunder; and mountain fall down in pieces because they ascribe a son to the Gracious One. It does not become the majesty of the Compassionate God to take to Himself a son, there is none in the Heavens or in the earth but shall return to the Merciful in utter submission. He has counted them and numbered them precisely, each one of them shall come to Him one by one on the Day of Judgement. The Lord of Mercy will bestow affection upon those who believe and perform righteous deeds" Quran, Chapter 19: 88-96. Jesus is not the son of God. Christains are practicing polytheism which is the same as associating partners with God. It is the greatest sin. Jesus did not also die on the cross, He made it appear that way to those wicked people. "They declared, "We have put to death the Messiah, Jesus, son of Mary, the Messenger of God.' They did not kill him nor did they crucify him, but it only seemed to them (as if it had been so). And those who differ in this matter are in doubt concerning it. They have no definite knowledge about it, but only follow mere conjecture. But they certainly did not kill him, God raised him towards Himself. God is Almighty and Wise" Quran, Chapter 4:157-158.

Prophet Jesus (peace be unto him) was sent to correct the wrongdoings of the jews, the same way Prophet Muhammed (peace be unto him) was sent to correct the wrongdoings of the christians. Islam is the only religion that can earn you Heaven and a good life on earth. All Prophets practiced Islam which is monotheism (no association of partners with Allah (total submission to the will of Allah). They worshiped him alone. Jesus never said you should worship him or go through him in prayers to God or call him the son of Allah, they are all lies invented. Jesus was great on earth and he will be great in the life after death, however, he is a servant of Allah, he bows in prostration to Allah. Jesus is a friend of Allah, he is also my friend but he is not God, he is not the son of God, to enter the Kingdom of God you must believe this. Prophet Jesus (peace be unto him) also said  "I still have many things to say to you, but you cannot bear them now. However, when he, the spirit of truth (Prophet Muhammed (peace be unto him), comes, he will guide you into the truth: for he will not speak on his own authority, but whatever he hears he will speak, and he will tell you things to come. He will glorify me, for he will take of what is mine and declare it to you" Bible John 16: 12 -14. "If anyone seeks a religion other than Islam (total submission to the will of Allah), it will not be accepted from him; he will be among the losers in the Hereafter". Quran , Chapter 3:85

Dealing with usury is also another major sin that will prevent anyone  from entering Heaven if you persist in it. Do not receive usury. "Those who live on usury shall rise up before God like men whom satan has demented by his touch; for they say,'Buying and selling is only a kind of usury.' But God has made trade lawful and made usury unlawful. Therefore , he who desists because of the admonition that has come to him from his Lord may retain what he has received in the past; and it will be for God to judge him. Those who revert to nit shall be inmates of the fire; they shall abide therein forever. God blights usury and blesses charitable deeds. God does not love the ungrateful wrongdoers." Quran, Chapter 2 :275

"God has promised to those among you who believe and do good works that He will surely grant them power in the land as He granted to those before them; and that He will surely establish for them their religion which He has chosen for them. He will cause their fear to be replaced with a sense of security. Let them worship Me and associate no other with Me. Whoever still chooses to deny the truth is truly rebellious. Attend to your prayers and pay the zakat and obey the Messenger, so that you may be shown mercy" Quran, Chapter 24:55-56. Your wealth and children are a test, yes He blesses the righteous with them, however, He also gives the wrongdoers the same, He says it is a short term comfort as Hell is their permanent home if they die in that state of being a disbeliever. To enter Heaven you must believe in the oneness of Allah, in the Angels, in the Holy Books, believe in the Prophets of Allah,believe in the Last day (the Day of Judgement), believe in Divine Predestination which implies that Allah knows everything, Allah know what has happened and what will happen, whatever Allah wills to happen happens and whatever He will not to happen does not happen, however, Humans do have freewill, they can choose between right or wrong and they are responsible for their choices. It also implies God is the Creator of everything.

That is all for today, keep checking out my blog regularly, cheers!

Thursday, 11 August 2016

4 gyms you should check out in USA


Hello readers, so today I decided to carry out a research on gyms you can go to in USA. Exercises is good for the body and the brain, so I carried out a research for you. It is good to note that yoga is not halal, as it involves some spiritual practices and that is sinful. It is same as associating partners with Allah, which is the greatest sin, so avoid yoga. Here are the gyms:

24 Hour Fitness 
This is the largest fitness centre that is privately owned in the world. They offer personal training which goes for a duration of 25 minutes or 50 minutes. They also offer partner training which is 50 minutes session designed for two people.They also have group exercise classes. They focus on your mindset, movement, nourishment and regeneration(biology) to help you achieve your desired goals. Their headquarters is in California, however, they have over 400 clubs.

Brooklyn Zoo
This gym provides ninja warrior training, pakour, tricking, trampoline, tumbling, dance and more. They provide you with challenges that will require you to be focused physically and mentally. Instructors use attention to details strategies to help you achieve your desired goals. It is located in New York.

Orangetheory Fitness
This fitness centre is for everyone, whether you are new to the system or you are used to the system (gyming). They have high standard equipment while playing upbeat music which motivates you to work out. They also have motivational trainers that keeps the gym alive. Quoting what they say, almost everything in their studio is orange. The studio has treadmills, rowing machines, suspension units systems  and plenty of free weights and benches. They have gyms in different parts of the world, however, they have 560 studios in USA.

Swerve Fitness
This gym helps you to work out your entire body through cycling. You will be riding with  a team, which they believe will help you achieve the goals you came there for. They track your bike's metrics so that you can compare your previous performance with your present performance. They provide you with cycling shoes so all you have to bring are your socks. They also have a smoothie bar where you can chill after exercises. The gym has three studios in New York.

That is all for today, thank you for reading this article. Keep checking out my blog regularly, cheers!




Wednesday, 10 August 2016

What your brain needs



Hello readers, today we will be talking about the brain. The way your body requires exercises to stay fit is the same way your brain also requires exercise to stay fit. That is why you need the average daily stress, like having a task to carry out everyday. This could include going to school, or to work or running your own business.You have to carry out a task regularly to keep your brain fit. Now that is one part.

There are games designed to keep your brain fit, they could be puzzles or just regular games, they challenge different areas of your brain and it helps those areas stay active. 75% of the brain is made of water, so taking the adequate 6 glass cups of water (two at every meal) helps keep your brain active. Fruits and vegetables also have water components in them, so consuming will also help keep your brain stay active. The required amount of sleep which is between 6 to 8 hours daily will also help keep your brain active. It should not be lower or higher. When you sleep for longer hours it has a negative effect on your mind and brain. You also need to pray to Allah to keep you mentally fit. A good relationship with Allah is the most important when it comes to keeping your brain fit.

Physical exercises is also good for the brain like dancing, brisk walks, running, going to gym and others. Whatever is good for the body is good for the brain. Reading also helps your brain to stay active and learning new tasks like a new language also helps your brain to stay active. Treating others nicely is a good way to exercise your brain, as it builds good relationships whether it is a working or personal one which is also good for the brain. Living in a clean house is also good for the brain as well being patient with others and your goals. 

Interactive games is also good for the brain like playing basket ball or playing squash. Making sure you do something fun every week is good for your brain. Eating your 3 daily balanced diet meals is also good for the brain. Positive thinking is also good for the brain. That is all for today, thank you for reading this article.

Keep checking out this blog regularly, cheers! 

Tuesday, 9 August 2016

What your business should be aiming for



Hello readers, so today we are talking about businesses. Why do individuals create businesses? Well, your aim is to create value for yourself, for others and for the society at large. If your business is not adding value then you should close it. You can either provide goods or services. At times services come with goods, however, goods always come with services. You will be exchanging this value you are creating by Allah's leave for something and that is money which is the quantifiable worth of your goods and services, as such, the prices of your products should always reflect the value you are providing to people because that is the only way you can thrive in business

Apart from providing value to customers you should also have to provide value to other stakeholders now this include your employees, government, the community at large, if you are not the owner of the business but you are running it then you will also have to provide value to the owners of the business. At the end of the day starting a business is about creating value. The question is, how do you create value? First, it is your duty as a leader to know what your customers, employees, government and the community at large will appreciate. When you figure out what makes them tick and it does not bring about any negative consequences to you, to others, the community, then go ahead and serve them accordingly to what they appreciate. Another way to create value is to keep your promise of providing quality for a long period of time. When there is a positive consistence in your mannerism of dealing with them then they will have a good impression about your business and will end patronizing your business for a long time. 

You should also make plans for the future, have a vision on how you will create sustainable growth, everything is in the Hands of Allah, however He never wrongs a soul. Communicate your vision to your employees and motivate them in such a way that they feel like they are part of the organisation. Tell them about your plans and break them into smaller parts for them so it becomes easier for them to achieve the goals of the organisation. You must communicate clearly, they must understand your goals and your reasons behind the goals, this will help motivate them. It may become confusing when you tell them about a plan and then you later change the plan. This means your plans must be thoroughly thought of before you let your staff know about them. Plans should never be changed out-rightly, it should only be improved upon. All of this will help you create value.

Do something different from what other competitors are doing, this will help you create value.  Differentiation of your product can help you create better value. If I know it is only when I get to A that I will able to get the Land snails I want, maybe be because they are bigger ,the prices are better and they are healthy then of course I will go ahead and buy it there. Or I know the woman that will paint my nails will do it well, then of course I will go there. Differentiation at good prices makes customers what to do business with you. So think of something your competitors have not yet thought of, like what if I wash my tomatoes and put them in attractive containers, it will look healthier. That is all for today.

Thank you for reading this article, keep checking out my blog regularly. Cheers

Monday, 8 August 2016

Is fear of failure stopping you?


Hello readers, hope your weekend was good. How will you know if you will fail or pass, when you are scared of taking a risk. So what you fail at it? Is that the end of the world? Just because you failed at one task does not mean you will fail at another task. You learn from failed tasks.

Successful leaders take calculated risk. You are passionate about something and it is good for you, it is good for others and it is good for the community. You are good at the passion but you would not start that business because you are scared you will fail at it but what if you pass?

Some individuals have missed out on great opportunities because of fear of failure. You should move far away from fear and tend towards positivity. Instead of saying what if I fail you should say things like what if I put in the work and I succeed. You would not only be adding value to yourself but to others and your community. Try to visualize what life will be like after you have succeeded. Believing in yourself is good, believe in your attributes. Just to make you feel better no one passes all the time cause no one is perfect. But what a successful man does differently is to pray to Allah for guidance and take a step.

Fear of failure, you need to put that in the bin. Do not be intimidated by it. Put your trust in Allah and all will be fine if He wishes it to be fine. A person that has taken that one step is better in business than the one that is too scared to take the step. Well, that is all for today.

Thank you for reading this article. Keep checking my out my blog regularly, Cheers!

Friday, 5 August 2016

The Greatness of Allah


Allah is Mightier than we think. "There is no God except Him, Ever living, the One who sustains and protects all that exists. Neither slumber nor sleep overtakes Him. To Him belongs whatever is in Heaven and whatever is on earth. Who is he that can intercede with Him except with His Permission? He knows what happens to them (His creatures) in this world, and what will happen to them in the Hereafter. And they will never compass anything of His Knowledge except that which He wills. His throne extends over the Heaven and the earth and He feels no fatigue in guarding and preserving them. And He is the Most High, the Greatest" Ayat Kursi.

The Ayat says alot about Him. He is the Most Compassionate, the Most Merciful, the King, the Holy, the Peace, the Granter of Security, the Controller, the Almighty, the Irresistible, the Majesty, the Creator, the Evolver, the Fashioner, the Repeatedly Forgiving, the Subduer, the Bestower, the Provider, the Opener, the All-Knowing, the Restrainer, the Extender, the Abaser, the Exalter, the Giver of Honor, the Giver of Dishonor, the All-Hearing, the All-Seeing, the Judge, the Utterly Just, the Gentle, the All-Aware, the Forbearing, the Greatest, the Much-Forgiving, the Grateful, the Sublime, the Preserver, the Nourisher, the Bringer of Judgement, the Majestic, the Bountiful, the Watchful, the Responsive, the Vast,the All-Wise, the Loving, the All-Glorious, the Resurrector, the Witness.

He is also the Truth, the Trustee, the Strong, the Firm, the Friend, the All-Praiseworthy, the Accounter, the  Originator, the Restorer, the Giver of Life, the Bringer of Death, the Living, the Subsisting, the  Perceiver, the Illustrious, the Unique, the One, the Eternal, the All-Powerful, the Determiner, the Expediter, the Delayer, the First, the Last, the Manifest, the Hidden, the Patron, The Supremely Exalted, the Good, the Ever Returning, the Avenger, the Pardoner, the Kind, Owner of Sovereignty, Lord of Majesty and Generosity, the Equitable, the Gatherer, the Rich, the Enricher, the Withholder, the Distressor, the Propitious, the Light, the Guide, the Incomparable, the Immutable, the Heir, the Guide to the Right Path, the Timeless. There is absolutely no one like Him and Prophet Muhammed (Peace be unto him) is His messenger. He has no son. He begot none nor was He begotten. He is a Mightier than we think

Allah is the greatest, that is all for today. Thank you for reading this article. Keep checking out my blog regularly. Cheers!

Thursday, 4 August 2016

7 smooth automotive manufacturers that produce cars that are fuel efficient


Hello readers, today I will talking to you about smooth cars. Basically, I will be telling you about companies that produces a lot of fuel efficient brands. I have done my research for you as usual, here they are:

BMW Group
This German automotive manufacturer states that its incorporate efficient dynamics into all of its cars. All its cars has a minimum of 19 when it comes to the highway mpg. However, BMW i3 BEV is the most fuel efficient car sold in USA with an highway mpg of 111. It has other fuel efficient cars  which include the 2016 BMW 328d x drive with 42 highway mpg. 2016 BMW 328 d x Drive Sport Wagon with 40 highway mpg; 2016 BMW 535d with 38 highway mpg and the 2015 BMW 328d with 45 highway mpg. Of course they have other brands whose highway mpg are above 30. However, I cannot list them all. But now you know if you did not know, BMW Group produced a lot of fuel efficient cars.

Chevrolet
A division of General Motors Company an American manufacturers has over 14 models that have 30 highway mpg or more. Cruze Eco one of their brands has a highway mpg of 42, Sonic  has 40, Spark has 39 and Malibu has 36. Definitely, I wont mention all the brands but it is good to note that Chevrolet Spark has a highway mpg of 109, which is the second most fuel efficient car sold in USA.

Ford Motor Company
This American automotive manufacturer has some fuel efficient cars. Brands that are fuel efficient includes the Fiesta whose highway mpg is 36.  The Focus has 36, Fusion has 32, while C.Max has a highway mpg of 37.  The Ford  Focus  Electric has 99.

Honda Motor Co. Ltd
A Japanese automotive manufacturer which makes sleek cars has its own fuel efficient cars. I will not be listing all of them definitely. The 2016 Civic Coupe/Sedan has 41 and 42 highway mpg respectively. The 2015 Civic hybrid has 47 while its 2014 Fit Ev has 105 highway mpg.

Hyundai Motor Company
This South Korean automotive manufacturer which states that "the better drives us" has manufactured some fuel efficient cars with the most efficient one being the 2016 Sonata Hybrid. It has a highway mpg of 44. The 2017 Elantra has 40, the 2016 Accent has 38, the 2016 Veloster has 35, the 2016 Tusion has 33.

Toyota Motor Corporations
This company is the largest Japanese automotive manufacturer, they have 20 brands which has at least a highway mpg of 20.  It is one of the automotive companies in the world that has produced a lot of fuel efficient cars. Camry and Yaris which are both their brands have 35 and 37 highway mpg respectively. While Corolla has 37 as well. Prius is their most fuel efficient car with 50 highway mpg.

Volkswagen Automotive Group
This German owned company has its own fleets of fuel efficient cars with the E-Golf being the most efficient, it has a highway mpg of 105. Other models includes the 2015 Volkswagen beetle convertible with a highway mpg of 40, the 2015 Golf has 43, 2016 Jetta has 40. They do have more models so you can check out for them.

Now you do know companies that produces a lot of fuel efficient cars. That is all for today. Thanks for reading the article. Keep checking out my blog regularly, cheers!

Wednesday, 3 August 2016

Dealing with Inflation

Hello readers, hope you are doing good. Yes, you!. I will be writing about inflation today. Some weeks back, I was asking my cousin about financial challenges individuals are facing. I wanted to know what financial challenges youth are facing. I fall into that bracket too, however, I cannot know it all. The only One that knows it all is Allah. So send me mails about financial challenges you are facing, you never can tell I might be able to help. My email address is on the right-hand side of my blog.

Today you buy an item $5, the next two months the same item is going for $10.  It does not only happen with that product but it happens to all other products, however, your salary/income has remained the same so what do you do to provide for such situations. I am not going to tell to save up money in a bank and start collecting interest because it is a major sin. Yes, it is a major sin. God does not like interest. It is a major sin to pay or collect interest. Don't do that, however, I will be providing you with alternatives that you can use to deal with inflation. Here they are:

Always have a budget, yes a financial budget for every month. Take a look at your inflation rate in your country and adjust the figures of your budget accordingly. Meaning if you know the price of garri will go up by 20% then let the price on your budget reflect the 20%. Two previous article of mine, will show you how to create a budget; budgets are like smoothies and Part 2 

Another way of dealing with inflation is to always save 30% of your income in a non-interest savings account, so it can always cover those necessary unforeseen expenses. You can also deal with inflation by having a second source of income. The internet is big so you can have your regular job and still find a way to make halal money online.



It is a good thing to work and make halal money, by this halal money I mean pure money. It is also a good thing to aim at becoming rich. It is not a sin at all; some individuals have correlated money with evil, they are wrong. Money is good when its gotten through halal sources (meaning pure sources) and it is spent in the way of God. By this, I have not said do not spend your money on yourself please do but always pay Zakat (which is the obligatory charity) and give Sadaqah (which is the non-obligatory charity).

The amount of Zakat has fixed rates which I will be discussing in another article. Sadaqah depends totally on what you can afford to give out. They both purify your wealth. I have not said it purifies wealth gotten through illicit means, it does not. Stay away from it cause it is a sin. It only purifies money that is gotten from pure sources. Paying your Zakat which is obligatory makes your money good to spend on yourself. When you give Sadaqah you are blessed with multiples of the money you give out. Giving Sadaqah is another way of dealing with inflation because that Sadaqah you have just given out is a loan you have given to Allah which He will multiply for you. Allah loves charity and He blesses those who give them out.

So, do not let anyone stigmatize you when you have a desire to be rich. Halal means anything that is acceptable Islamically. Hope, I have dealt with the inflation. Thanks for reading my article. Keep checking out my blog regularly. Cheers!


Tuesday, 2 August 2016

Strategies companies can use to achieve expansion


Hello readers, today I will be looking at strategies you can use to expand your business. When you hear business expansion the first idea that might pop into your head is open a new branch in another location. Well, you are not far from the truth if that pops into your head, however, I will be giving  you other ideas

Diversify

A business can expand by making another product, it should be totally different from what it usually produces. However, it could be complimentary. That way you can attract more customers which will then help foster your business growth. Diversification also helps you minimize your business risks. Most market leaders employ diversification.

Franchise

Another way a business can expand is by providing franchises to individuals. Most fast food restaurants use that medium to expand their outlets and make money as it saves them from the cost they will incur if they decide to open another branch. A franchise is a situation whereby a business gives another (individual or business) a right to use its business model and its brand name. Way franchisors make money from their franchisees is by collecting a start up fee from them as well as a percentage of their gross sales which is usually between 3% to 10%. Sales of ingredients or the likes to franchisees is another way they make money.

Government

This is another means of expanding your business as the income from governmental contracts are always large. Once the income comes in you can use the money to open a new branch or start a new product. Having the government as a regular customer will help your business grow even better.

Influencers

This is another medium you can use to expand your business especially if you are just starting your business. You can tell a business leader you are familiar with to introduce your products to his/her clients. That is another way of making your business expand by telling others about it. The business leader you know already has a market and it won't cost the business leader anything to tell his/her customers about your products if you meet the needs of his/her customers.

Partnership/Ownership

The last method I will be writing about today will be the partnership/ownership. A company can be expanded by going into partnership with other companies, these companies may be abroad. A company can also buy up companies in order to expand. It could be a purchase of a company abroad so as to have access to their business market abroad easily. This strategy has been employed by Vodafone..

That is all for today, thank you for reading this article and keep checking out my blog regularly. Cheers!





Monday, 1 August 2016

The product life cycle


Hello readers, today I will be talking to you about the life cycle of your products this includes goods, services or both. Did you know Nokia is back? Yes they are back, so let us see what they will be dishing out to us. Today, I am going to look at every stage of a product then I will be giving you ways to bounce back after your product has reached its final stage. Here they are:

The Introduction Stage
This is the stage whereby you have seen an opportunity in the market and you are ready to introduce your product to your target market. At this stage, the demand for your products will be low, as such, the income will also low. This stage could be seen as the stage whereby you penetrate your target market. Strategies I will recommend during this stage are the rapid penetration strategy for all products except technological products and the rapid skimming strategy for the technological products. 

The rapid penetration strategy implies that the promotion for your product will be high, however, the prices for your products will low. This way you will attract a percentage of the market. I have excluded technological products from using this strategy and recommended the rapid skimming strategy because these products have a short life span and they have invested a lot of money into the product as such they need to make their money back with profit before their product's life get terminated. The rapid skimming strategy implies that you place the prices high and you also promote your products highly as well. 

Growth Stage
This is the stage whereby the demand for the products start to increase. The market is now familiar with the products, as such, have started patronizing your products. The aim of this product life cycle stage will be to sustain growth. Strategies used during this stage will be the differentiation of product, thus, you will improve the quality of your product to attract more customers. You will also use the rapid penetration strategy for all other products while the rapid skimming strategy should be still be used for the technological products.

Maturity Stage
This is the stage whereby you have acquired the amount of customers you want to acquire. It is called the maturity stage, as such you now have matured products. Well, this stage is technical cause you do want this products to last long, in other words make this stage last long. During this stage the prices of technological products can be dropped as new products will have entered the market and will be competing for their market share. 

As for other products, make sure you maintain the quality of your products as it plays a good role in keeping your customers. Prices can also be slightly increased during this stage, you noticed I used the word slightly because if the price increment is too much you will discourage your customers. Promotion should also be reduced. Maintain or even improve the quality of your products, it will keep customers coming back for more.

The demand for your products can still increase slightly during this stage, however, you should not aim for that. You should aim at keeping your present customers happy. The growth should come on its own, as you will be contending with competitors more swiftly for the market share. 

Decline Stage
This is the stage whereby the demand for your products start to drop. It happens to all products, however, you can make the maturity stage last long. During this stage, prices should be dropped slightly with the hope of making this stage last long. However, the technological product will have to drop prices hugely, as they will have covered their costs and made profit during the introduction and the growth stages. They can drop prices as that product leaves the market and then focus on their new product. This stage can also be seen as the exit stage. The end!

No, its not the end, products can enter the introduction stage again and go through the production cycle again. Which brings us back to Nokia, Nokia was the market leader but lost its market share to Blackberry and then to Samsung and the owners eventually sold it to Microsoft. Now it has been bought back by the previous owners. Let us see what they have in stock for us. They are going to make products that will go through all the stages and keep making products, that is the way to stay competitive in their market. With other products, the same products can be re-introduced to the market again with a better pack and an improved quality. You will just have to go through all the stages of production.

Thank you for reading this article. Keep checking out my blog regularly. Cheers!