10 Lessons To Learn From NAM1 Menzgold Saga

The NAM1 Menzgold saga is no doubt, one of the most talked-about issues in Ghana to the extent that, newborn babies may be wondering whether NAM1 or Menzgold is part of their new vocabularies to learn.

In the year 2016, DKM – Diamond Micro-finance Ltd collapsed and it became both a national and a political issue where the huge investments of thousands of Ghanaians were locked up.

In August 2017, some Ghanaians were horrified and feared for the loss of their money and huge investments when the Bank of Ghana (BoG) gave Ghana Commercial Bank the green light to take over and acquire two local banks, thus UT Bank and Capital Bank that were struggling to operate in the economy.

As if that was not enough, the year 2018 also came with its own mixed feelings for investors and those interested in saving their money in some banks. In August 2018, the Bank of Ghana announced the creation of Consolidated Bank to take over 5 banks struggling to operate in the country. These 5 banks were Unibank, The Royal Bank, Beige Bank, Construction Bank, and Sovereign Bank. The year 2018 could have ended peacefully when the NAM1 Menzgold Saga also struck to kill the happiness of many Ghanaians leading to unrest among the thousands of individuals who have heavily invested in Menzgold.

Now, NAM1 has been arrested and prosecuted and the court has ordered for the selling of Menzgold properties but can that alone solve the problem and pay off the huge investments of individuals? The question is: are Ghanaians really learning from the turn of events right from DKM to Menzgold? Here are some lessons you can learn from the NAM1 Menzgold Saga.

10 Lessons To Learn From NAM1 Menzgold Saga

  1. Learn from the past: Failure to learn from the past can really cost and cause you dire consequence in both the present times and in the future. Beware of Ponzi Schemes in the system. There is an African proverb that says: “When the frog in front falls into a pit, the rest take caution”. Learn from the downfall of others and take precaution.
  1. Never desire to become rich overnight. Success is a process so do not bank your full hope on anyone or any institution that promises to make you rich quick.

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  1. If you rush in life, you will crash. All the banks that have crashed in the market in one way or the other rushed into operation without proper structures and funds. A lot more also rushed to venture into other areas where they have not yet developed the roots and wings to operate in those areas. Take time!
  1. Every shortcut to riches has a shortcut to fall. We have many sad stories of individuals, groups of people, churches, and companies that took loans to invest in NAM1’s Menzgold. Is it really prudent to borrow and invest? Think about it!
  1. Don’t invest blindly, seek experts’ advice if possible. Do proper research and this can assist you to know how risky it is to invest in a particular company. If possible, seek experts’ ideas about a particular field you do not have many ideas.
  1. Don’t ignore the warning signs. To a lot of Ghanaians suffering in this NAM1 Menzgold saga, they could have avoided the dangerous trap of NAM1 when the Securities Exchange Commission (SEC) and Bank of Ghana started giving the warning signals but they stubbornly got stuck to NAM1’s juicy ice-cream and were still enjoying the huge interest they were getting from Menzgold.
  1. Know when to withdraw and discount your investment: Learning to invest your money somewhere is mere knowledge. Wisdom is knowing when to withdraw and discount your investment before disaster finally strikes. The wise investors withdrew their investments long ago the moment they sensed danger and took a clue from SEC and BoG’s earlier warning before NAM1’s Menzgold was crashed by SEC and BoG.

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  1. Don’t only store your treasures on earth: In Matthew 6:19-21, Jesus encouraged Christians not to only save on earth but to store their treasures in Heaven. Life doesn’t end on earth alone. There is a better place after death.
  1. Where your treasure is, there your heart is: The news of NAM1’s Menzgold saga alone caused some people to meet their untimely death and many more cannot sleep in their own home. In Matthew 6:21, the Bible says where your treasure is, there your heart is
  1. Judgment Day will surprise you than NAM1 Menzgold: Many people will realize that what they did with their lives was a bad investment no matter how huge the amount was. Some people

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13 Advantages Or Reasons People Prefer Mobile Money To Banks

One of the greatest innovations that has hit the Ghanaian financial sector about money transaction is the introduction of mobile money services. Mobile money transaction was first introduced in Ghana 9 years ago by MTN and the celebration of mobile money month was launched two years after its introduction in 2011 and remains an annual event.

Having used the mobile money services for years, I have observed these 13 advantages or reasons people prefer mobile money to banks. When done reading, kindly share your views and experiences with us about the service.

13 Advantages Or Reasons People Prefer Mobile Money To Banks

  1. It is bank for the unbanked

Till now, there are many people living in cities, communities and villages that cannot boast of electricity, health post, good drinking water, banks and other social amenities. To these people, the introduction of mobile money into the system is a prayer answered for faster monetary transaction. Mobile money is the best service to bring the unbanked category of people into the banking system.

  1. No Fear of savings and investments

The Ghanaian economy has been hit recently by many banks whose licenses were revoked by Bank of Ghana and other banks taking over such financial institutions. These called for a lot of inconveniences to patrons of those banks, hence, increasing the fear of losing one’s savings and investment. Mobile money is not operated by banks but telecommunication network companies raking in great incomes from their services. Recently, investments and savings have been introduced on the mobile money service.

  1. Growing interest for mobile money accounts than bank accounts

According to data from the Bank of Ghana, it was estimated in 2017 that there were 23.95 million mobile money accounts as against 11.43 million bank accounts. Mobile money is becoming the people’s choice than interest in opening bank accounts.

  1. Very easy for even the less schooled to operate

Normal banks give a great deal of headache to the uneducated and the less schooled in the community. Banks normally require signature, guarantors, legal documents and other complex requirements which do not favour the less schooled in the society to easily read and understand.

  1. Very fast means of transaction

There is no doubt that mobile money is one of the fastest means of sending and receiving money in the Ghanaian economy. Instead waiting for banks to reopen the following day, just locate a vendor who is still operating even at late hour.

  1. No Holidays & Sunday Troubles

It is very annoying when you need money seriously and transact some business only for you to realize that banks had closed because it was a public holiday or it was Sunday so banks do not work. Mobile money services have bridged these gap. With mobile money, you do not need to be cash trapped because it is Sunday.

  1. Accessible anywhere

One of the beautiful things about the service is that, it does not require much space for its operation. Just a table and chair with a banner to indicate the service available at a particular spot is all you need to commence the business. Patrons of the service can access even at the remotest part of the country.

  1. No need for queues as in banks

Instead of spending close to an hour and even hours in the bank, you can decide to spend between 2-5 minutes at a mobile money joint and do same transactions you want to do with your bankers. Time spent and wasted in the banks could be used for other profitable activities.

  1. Very easy to open account

There is no doubt that accounts are very easy to open and less time consuming than with banks that require a lot of things which may not be readily available. The only key requirement is a valid voters ID card or perhaps, a travelling Passport.

  1. Mobile money transaction is a walking bank

Do you know that you can do virtually most of the banking transactions on your mobile phone? There are so many banks that have developed innovative apps to connect customers’ bank accounts to their mobile money wallet. You send money, receive money, borrow money, invest, buy call credits and data for browsing and many other services through an app. With the service, you have your banks on your finger tips.

  1. It is a paperless bank

In banks, almost every transaction is done by filling forms and writing cheque and writing so many things. Mobile money services have taken that pain on the part of the customers. Sometimes, these papers mix up or get lost and this causes incoveniences and security threats loyal patrons of such banks.

  1. Reward Customers

It is heartwarming to see that discounts and bonuses are giving to customers who make purchases through the service while banks may not even reward a loyal customer for so many years.

  1. Provides security to users

Though every banking system has its own security threats, mobile money systems also provide some level of security by requesting for codes or passwords and verification to authorize some transactions.

Did I leave anything out? Comment in the box below and share your experience with us. Don’t forget to share with friends and loved ones if you like this article.


3 Loose Ends in Business Every Entrepreneur Should Tie

This year, many entrepreneurs are looking forward to scale their businesses to the next level. It’s a good idea but what I have realized being the major problem of many enterprises is that there are far too many loose ends which are not tied. Unfortunately, these untied loose ends become monsters that suck serious resources from the business. There are a couple of loose ends I will recommend for us to take a look at this year.

  1. Cash Flow Management
    Many businesses are just a Cedi away from bankruptcy. I believe there are more business failures due to cash flow management problems than other factors combined. Many of us fail to forecast demands for the coming week, month, quarter, or year. So we spend money on one thing or the other and run out of cash to see to other equally important things. If you will have a business running and doing very well, then you need to study much on how to manage your cash flow. For example, if you have employees you pay monthly, you need to halt the purchase of certain things until you pay salaries.

 Don’t bank your hopes on a customer’s promise to pay and use all the money you have,       and when the customer doesn’t live up to his or her promise, you end up unable to pay           your staff. This year, make the payment of salaries on time a priority. You make your staff     happy. Even you won’t be happy if your salary is delayed, will you?

  1. Records Keeping
    I admit it took me a bit of time to tie the loose end in our records keeping, and we still have a few more to tie to have a nearly full-proof system. But I can tell you the least effort put into having a reliable record system is so worth it. With this lesson learnt in Hetura Books, we have record books that help us trace the whereabouts of every drop of yoghurt in Hetura Foods. I want to know everything. It’s not that I don’t trust them; I so do trust them, and they know it. In fact, it’s in my trusting them that we establish these record systems in place for the sake of transparency.

 If you have a van, how much fuel do you buy weekly? How much do you spend on                 maintenance? Many don’t know these and yet they run after one contract or the other. If       you don’t have reliable record-keeping systems in place, take time this year to establish        it… It will go a long way to help you.

  1. Rate of Customer Retention
    Many entities run after new customers without caring about how many of those they previously won are still working with them. If you don’t take time to study this, you won’t have a huge number of them to serve. In Hetura Books, for example, we do a quarterly customer satisfaction survey to unearth how well we have served our customers, and how better they will want us to serve them. Many changes we brought on board were due to suggestions from customers. This way, they feel a part of the operations of the company and will come again and again. We also compile the number of customers and see which keep coming. You don’t only need to run after new customers; you need to see to the present ones well so as to retain them for the long haul while reaching out for more.

 This year, be determined to tie the loose ends. If you use cash anyhow, stop it. Be                 disciplined with the company’s money. If you have no records, kindly have them in place.       And most importantly, do well to reach out to those who are your customers so as to have     them on board. Aside from your staff, your customers make the business.

 What are some of the Loose Ends in Business Every Entrepreneur Should Tie? Have you         identified the loose ends in your business? Share your experience with us.


21 Ways Employers Kill The Productivity, Interest And Creativity of New Employees

It is your joy as a new employee to do your very best, pull your weight and passionately go about your duties to hit your target and at least impress your bosses but sometimes, your expectations are cut off emanating from demotivating factors on the part of the employers. You may not show your bad attitudes that earlier if you are the laziest of all workers among your colleagues, hence you may try to impress your employers. In this article, I will like to share my experience from different institution as an employer and employee with you.

Kindly share your views and experience with us when done reading.

21 Ways Employers Kill The Productivity, Interest And Creativity of New Employees

  1. No Orientation

New employees get to know exactly what is expected of them once they are taken through orientation to familiarize themselves in the company. It is very frustrating once there is no orientation and expectations are not properly spelt out. Failure to do this creates a negative impression about the company in the minds of the new employees.

  1. Uncooperative and annoying attitude of old employees

Sometimes, what kills your interest in your new employment may not be any other thing but your own fellow workers who may not like you or be may be aggrieved for taking up the position they coveted and receiving a higher salary than them. The lukewarm attitude of some of them alone is just enough to kill your passion and interest to work.

  1. Small remuneration

It is sometimes discouraging to work very hard and be compensated for a peanut salary which may not even cater for your monthly expenses leading to your inability to save. You should not always be interested in money. Concentrate on achieving results and your works will speak for you with salary that commensurate your efforts.

  1. Too much rigidity and restrictions

Have you ever worked in any environment where the rigid and strict rules make you feel like you are working in prison? You will never feel okay until you sign out and exit that company.

  1. When conflicts are left unresolved

Your productivity, interest and creativity will definitely be killed if conflicts are left unresolved and you are expected to work with the same coworker that has really hurt you.

  1. Assigning the wrong job to employees

What outcome of productive results do you expect as an employer when you reshuffle or assign the right job to the wrong persons without considering their level of knowledge, interest and expertise? To practice on the job training, know the kind and nature of the job before implementing this principle.

  1. A distractive and noisy coworker

These are really annoying, discouraging and difficult to work with people who may kill your passion as well as your interest. They are always there to criticize your work, insult you and do other things that will discredit your reputation.

  1. Too much and unrealistic demands and targets to achieve

Know that you are frustrating and causing unnecessary pressure among your workers if you set unrealistic goals, high demands and targets for your employees to achieve.

  1. Poor, little and or no incentives

When employees put in their very best for the interest and productivity of your company and are not duly remunerated, their passion and creativity dies out. Apart from their salaries, your employees will be reluctant to take up some additional jobs if they know you will never compensate them for the other hours spent all the time.

  1. Failure to acknowledge individual achievements

Never forget to acknowledge or award individuals who have worked tremendously to hit their targets, deadlines and goals as per the conditions of services of your company. Failure to do this tells your employees that you are exploiting and taking them for granted. Little acknowledgements and awards are huge motivating factors for your employees to excel.

  1. Unforgiving, disrespectful and loud boss

How do you feel if you work under an unforgiving, rigid, disrespectful and loud yelling boss? Your interest and productivity will definitely be affected. Unfortunately, employees’ spirit of creativity will be killed because they want to avoid being punished or yelled at for making mistakes.

  1. Discrimination, favouritism and nepotism

Once your employees know that you will always act favourably towards some particular group of people, they may stop giving their very best and that kills their initiatives, interest and creativity in the company. Be a father to all as the boss but not to some group of people only.

  1. When clear directions are not given

When clear directions are not given, your employees may be working but not towards set targets and goals. This leads to wasting of resources, time and productivity on the whole will be affected. Though creativity on the part of employees should be encouraged, creativity thrives best in an environment where there is proper direction and monitoring but flexible environment.

  1. When there are no development and training opportunities

One of the things that motivates employees to give their very best is development opportunities that are well spelt out in the conditions of service. The employee knows what to do; thus targets that are supposed to be achieved before getting those opportunities.

  1. Providing no feedback

Know that you are killing the interest of your workers if you always refuse to give them feedback on important issues. Make sure you do not leave your employees in doubt and confusion. These kill their interest, passion and demotivates them.

  1. Comparing employees results and forcing them to work same

All your employees are never the same. They have different work experiences, training, mental abilities and unique skills altogether. Do not compare your workers as basis for criticizing others. And do not force the other workers to work like the other person. The proper thing to do is to identify the strength of each worker and assigned them to do the right thing and they will deliver.

  1. When you disregard and shoot down the ideas and opinions of subordinates

No matter how highly learned you are as the boss, you may not know it all. Remember that your employees are the ones working on the job and dealing directly with customers and they are the best persons to provide you with the best situational results and suggestions. Do not shoot down their ideas and opinion. Those ideas may look foolish and childish but any careless could trigger the downfall of the company.

  1. When employers do not listen to their employees

Do you give your employees a listening ear? You have to listen to their ideas, fears, worries and grievances. Failure to do this may be a recipe for disaster in your company.

  1. When managers indulge in sexual relationship with female subordinates

When other workers become aware of the amorous or sexual relationship going on in the company between a managerial staff and a subordinate, it may kill the interest of others more especially if the subordinate uses the sexual relationship with the superior to sabotage and torment the lives of coworkers.

  1. Focusing too much on mistakes instead of opportunities

When you talk too much about the little mistakes of your workers, it kills their interest, passion and creativity and productivity will be affected at the end. Some of them will become timid and cannot take their own initiatives fearing that you will condemn and criticize them if they make another mistake.

  1. You micromanage – you try to control everything that happens in the company

If you are the kind of boss that wants to handle everything, hear everything and poke your nose into everything then you do not need other employees around you. It means you can do everything by yourself but that will seriously affect productivity in the company. Things will turn to be bureaucratic and move slowly in the company since everything has to pass through you for approval. When this happens, you undermine and disable the authority of other workers who are supposed to be in charge of some units of the company.

Hope you have learnt some lessons from this article. Kindly tell us your views and perhaps, share your experience with us.


2 Ways To Turn Your Skills Into Assets

It is a good thing that there is so much call on developing skills in the 21st Century. Skills are an important thing and everyone must have them to get ahead in life. We are in a skill-dominant economy or era, and if you have none, you won’t do so well. While skills are good, the thing is, you can’t employ them to your benefit at some point in your life. For example, no matter how skilled you are as a footballer, you can’t play football at old age. It’s same for most, if not all, skills. You can have the experience and perhaps, be better at old age as compared to your youth, but your physical condition won’t allow you to perform at your peak.

Beyond skills, therefore, there is the need to develop assets. The good thing about assets is that, they don’t need your participation to earn you money. In this post, I will write about 2 ways you can turn your skills into assets.

  1. Intellectual property
    In our part of the world, there are far too many skilled and talented but poor people. It is an irony to be skilled, talented, but poor. Let it not be said of you that you were skilled and talented but poor. You can only do this when you turn your skills into real assets. One of the most important assets you will want to acquire is an intellectual property to a work of art or just anything.

Consider the case of one of my drilling lecturers at the University of Stavanger, Norway, who worked hard as a young researcher and published his methods in textbooks. As of when I was a student, his annual earnings from his books were well over USD 110,000. This is what an old man, in his seventies, earns annually. I can bet you this is an amount many young families are still aiming to earn.

Is it possible to convert your writing and journalistic skills into a book? Can you develop a programme or software and have legal protection for it? If you are a caterer, can you come up with a unique recipe and have it protected? That was what Colonel Sanders did and today, we have KFC. If the colonel was still alive, he wouldn’t need to work again with his cooking skills. He would have been paid by the earnings he makes from his intellectual property. Don’t just express your talent and skills without developing a product that you can hold claims to. Write a book. Develop a recipe. Write a software…and get protection for it.

  1. Buy a land
    It is a no-brainer that lands are a serious asset. If there is any one asset that promises very good returns, it is lands. Lands in some locations can give you over 100% annual return. A friend who bought a land in one location in Ghana and after just a year, he sold it for double the price he bought it. Not many investment vehicles in Ghana can give you such returns. Whatever earnings you make from the employment of your skills, go on a land shopping. The very way you go round shopping for clothes in a shop, go shop for lands. I was telling someone the other day that I wouldn’t even mind buying a land for GHC 1000. That tells you how “remote” the location may be. But the thing about lands is, as long as our towns and cities are developing and expanding, they will surely increase in value over time.

A word of caution though: when it comes to the purchase of lands, you have to be extra careful. A friend of mine is still battling with a chief for a land he bought from someone else. We later got to realize that the seller wasn’t the real owner of the land. In another post, I will give you some guideline on how to purchase lands in Ghana.

I believe without any shred of doubt that if you can turn your skills into these two real assets, you will live financially-free in no time. It is possible to live well. It is possible to afford as much luxury as you wish; but, what you need is the spirit of wisdom and prudence to make good use of the earnings you make from your skills today. Let’s go turn our skills into some real assets.


Great Talent On Display At The Beach – 5 Lessons To Learn

Today, one of our Editorial Team Members chanced on this picture on the internet. Though we do not know the proud beach sand artiste behind this wonderful work, we decided to praise him for the wonderful work done and learn some few lessons from his works.

The young man did not use any special material. No special tool; just a heap of sand to create this wonderful image at the beach but the question is, how can this talent to be monetized.

It is great to be creative but it is high time some people monetized their giftings by rendering standardized services.

5 Ways The Young Artiste Could Monetize His Talent

  1. Charge beach lovers and tourists who love to see their portraits drawn in the sand at the beach:

Holiday lovers love anything that will make their stay memorable. Ocean beach artistes could draw the portraits of tourists on the sand for them to stand by it and take their pictures.

  1. Charge some little amounts of money from tourists and individuals who love to take pictures of his works.

All great businesses emanate from creative ideas. Ocean beach artistes could make real money from wonderful moments that tourists may even love to pay to see or take pictures around it.

  1. Sell Portraits of Ocean Beach Historical & Artistic Images

Just as we saw in the image above, a picture could be taken out of this work and sold. Unfortunately, little showers of rain and a heavy wind could easily wipe away the beauty and sweat of the artiste.

  1. Create A little museum

Tourism is one of the major ways through which a nation can earn some income. It is better to device ways and means of selling cultural artifacts and historical portraits to earn more money to reduce the rate of unemployment.

  1. Teach Tourists and Individuals

One of the easiest ways of making money is teaching people what you are an expert or good at. The more you teach, the more you earn and the more you know and increase your experience. Imagine the joy of a holiday lover from a different country who has acquired a simple skill to make some passion income.

Do not let your great talent go waste. Use it to your advantage. Indeed, the future is bright to those who work for it. Let your talent be on display and take you to the top.


Why Entrepreneurs Should Not Delay Staff Salaries

I was in a taxi yesterday and started a conversation with the driver. As he drove on, it was apparent he knew the locality I was directing him to. So I asked him, “How did you get to know this place?” He said, “I used to work here for a sachet water manufacturing company. As curious as I was, I asked, “Why did you stop? Was it not profitable?” Then I added, “I know running a sachet water production outfit is quite profitable. So why the decision?”

Then he said, “The boss was paying me GH¢200.00 a month and yet my cost of transport from Ejisu to work and back was quite significant. Then he added, “Worst of it all, he would not pay me in time. Sometimes, it would take over a week into the next month for him to pay.” I was sad when he said this.

I wasn’t just sad he went through that ordeal, but it brought back memories of when I was also working in a school where the director would choose to pay us after three months. Three months, and this man would tell us nothing as to why he couldn’t pay us. And before you’ll be quick to say maybe there was no money, we, the teachers, personally ensured that pupils and students in our classes paid all their fees. There was money, but he just didn’t respect the worth of his staff. Thanks to studies fees that helped us “live” to see our salaries.

Back then, a friend of mine would normally complain about the issue but I would normally tell him, “These are lessons we have to learn not to replicate in our own companies.” Since then, I made that singular promise and maybe, a vow, to myself never to delay the salaries of my colleagues when I find myself managing a company. So, before we would even start recruiting staff, I always said salaries should be paid latest by the 27th of the month. In truth, we have sometimes gone a day or two more than the 27th. But my commitment to not replicate what I so detested from my former boss has gotten us paying my colleagues in good time. I am not writing this to “boast” of  what a good company Hetura Books is. We have a lot more to improve on but I believe many entrepreneurs, especially in Ghana, are found wanting when it comes to paying their staff in time.

If you are unable to pay your staff, I believe it is better to let them go look for better opportunities elsewhere. If you are unable to pay them and yet you work for clients, you may want to improve your receivables especially getting close to the end of the month. One simple tactic we have put in place is sending invoices with dates of when we expect payments from clients. Then we follow up with calls. That way, it helps to get money in to pay your staff. Even the Bible in James 5:4 speaks very strongly about not paying your workers.

You may not pay your workers the highest salaries in the industry; but when you do it in time, they will always know that you care and they will give their all to make the company better. The worst of it all is a boss who doesn’t pay his staff and yet lives lavishly which the staffs clearly know he siphons money from the business to do so. Make that all-important commitment to pay your staff on time. It’s a blessing on every business!

What is your experience about delayed salaries? Tell us Why Entrepreneurs Should Not Delay Staff Salaries


5 Ways People Generate Income

In recent weeks, I have been thinking about income and how people generate it. I have observed that most people generate income in 5 ways:

  1. Raw Strength:

This refers to people whose primary source of income is from the exertion of physical effort or the result of the sweat of their brow. These are the kind of people who make money through sheer hard work. E.g. laborers, hawkers, traders, etc. They make the lowest level of income. Most people in the Third World generate income by this means.

  1. Rewarded Certificate:

The second level of income generation refers to people who depend largely on a certificate they acquired from school; their main source of income is from a job that was secured through a degree or diploma that they have. They do not command any specific skill or expertise. Most fresh graduates operate at this level. Unfortunately, there are also many people who spend years in the world of work but do not go beyond this level. Such people earn only what their certificate permits them to earn.

  1. Relevant Skill:

This group refers to people who build a specific strength, expertise or competence. They become great at doing something in particular and or even own a small business that is reputed for something. Such people have more market value and higher bargaining power than those at the level of Rewarded Certificate. They may not even have a certificate but their skill and dexterity paves way for them. They earn more than most people do, especially more than people in the first two levels. They are the ones who get headhunted by other firms.

  1. Robust Brand:

If a person who operates at RS is strategic about managing his reputation and promoting his services, he eventually becomes a brand; he owns the minds of people for a particular market segment or product category. When their name is mentioned, many people can point to what they are known for. They become widely known for a product or service. This is one of the highest levels a person can operate at and naturally most people never get there. But it’s a level that is associated with great market value, high income and impeccable influence. Needless to say, people at this level earn more than those in the subsequent levels.

  1. Rich Business:

This level refers to people who generate income from a business that they started. They start a business that grows to become a big cash cow. They may also not necessarily be the founder of the business. They are intrapreneurs who are extremely skilled at managing businesses and make a fortune whilst doing that.

Three Questions I leave with you:
1. What level are you operating at now?
2. What level do you want to be at?
3. How are you going to get there?

Don’t Miss: One Talent, Multiple Streams of Income


PRESS RELEASE: Ghana Entrepreneurship Challenge

Global Leadership Coalition in collaboration with Orios Group, PEDNET and Terry Mante Exchange presents the Ghana Entrepreneurship Challenge.

The Coalition requests proposals from young people between 18 and 29 years with viable ideas in agriculture, climate change, sustainable energy, education, health, or entertainment to submit their ideas for an opportunity to learn transformational leadership skills, build strong networks and participate in a UN side event.

Applications will be due on the 20th of May 2016 – Winners will be announced on the 27th of May 2016, followed by a Boot Camp to train the Winners from June 2nd to 5th, 2016

 for the final pitch session.

Step 1: Proposal Application Submission

•       View program at this Website

• Fill out the application form. Please Click Here
•       Confirm application by paying GHC 38.30 via mobile money number 024 982 7575

Step 2: Entrepreneurial Boot Camp – 25 quarter finalists will attend a workshop in Accra.

Step 3: Internship – 10 semi-finalists to be mentored by professionals for 4 months.

Step 4: International Showcase – 2 finalists showcase at a United Nations side event.


•       Learn while doing and grow your idea into a launch-able and sustainable business.
•       Acquire transformational leadership, innovation and entrepreneurial skills.
•       Network and engage with peers, mentors, local and international leaders.

•       Have a business idea in agriculture, climate change and sustainable energy, education, health, or entertainment. Women and minority-focused enterprises are encouraged to apply.
•       Able to commit to participate in the entire program including the 4-day boot camp, 50 hours of mentorship and training, and the necessary hours for successful project implementation.
•       2 Winners will be selected to travel to NYC to present at a UN site event.
•       Be between the ages of 18 and 29, have completed your secondary education, and be either currently enrolled or a graduate of University, College or Technical Training School.
•       Be able to pay a US $10 or Cedi 38.30 application fee and to cover daily transportation costs and arrive on time for the boot camp.
•       Be fluent in English and have access to a computer and the internet on a regular basis.

All who are interested should apply to get a chance to scale their Business Ideas. The future is here.

The mission of Global Leadership Coalition is to bring transformation opportunities to leaders in the Caribbean, Oceania, Latin America, Africa and elsewhere. The Coalition empowers leaders to transform their communities and to see greatness in others and themselves.


John Armah
Co-founder and CEO, Orios Group
054 188 8877

Terry Mante
024 982 7575


10 Ways to Have a Stress Free Monday Work Life

Mondays seem to be the busiest of all the work days in a week. Mondays begin the work days and almost all business activities start on this day with lots of expectation. It is generally believed that one has to start Monday well to serve as a motivation for the rest of the days. And this can lead to a stressful day due to too much expectations levied on the day.

10 Ways to Have a Stress Free Monday Work Life

  1. Don’t expect too much and do not push too much workload to Monday

More often than not, leftover activities are carried to the next week starting from Monday. You are likely to stress yourself knowing very well that you have lots of stuffs to do from the previous week and at the same time, expected to work on your work schedule for the day. Too many expectations may bring disappointments and failures.

  1. If possible, resolve disturbing issues on Friday before leaving

One of the ways of ruining your Monday and crushing your spirit for the day is to wake up with hurting memories from the previous week knowing very well that you are going to meet that person that hurt you and never said sorry. Learn to bury your differences because God did not create us to live in isolation but in a community.

  1. Prepare for your Monday a night before

A lot of the stresses we go through in life are due to lack of preparation and readiness for any activity. If you know you have a presentation in the early morning, then you have to work on your documents, prepare your slides, get your facts and figures accurate and gather all supporting documents. You are likely to forget some files and other important items if you leave the house in a rush; putting unnecessary pressure on yourself which will finally lead to stress.

  1. Have a weekly Plan and Work schedule

Nothing saves time, prevents stress and losses than having a good plan and work schedule to regulate your activities to achieve desired results. Learn to work with a plan and schedules. Read: Importance of Planning & Scheduling

  1. Early to bed, early to rise.

You do not have to start a new week feeling stressed, fatigued and sleepy while on duty. This has serious health consequences as well as your job performance. Go to bed early, have enough sleep and wake up feeling refreshed and energized for a new day.

  1. Set off early to avoid traffic congestion in town

Mostly, traffic congestion in towns get worse on Mondays as business activities resume for the week and all those who went on holidays or for the weekend begin to troop into the cities. If you live in a town where traffic congestion is a problem, then it will be advisable to always set off early to avoid the stress of getting stuck in traffic, waiting impatiently and reporting late at work.

  1. Cook Enough for Monday and the week

If you are the type that likes to eat your own food and not buy it, then have a plan for when to cook and carry your lunch box along with you without going to work late. If possible cook enough food on Sundays. You may also decide to cook for the whole week and store in the fridge. This saves you time and the stress of rushing home on Mondays to cook for the family.

  1. Plan to achieve your targets but don’t stress yourself for it

When you work according to plans and work schedules, working under pressure and stressful conditions will be avoided. Do your possible best to achieve your targets but do not stress yourself for it.

  1. Return to a clean home

There are some people that cannot stand a mess and have a sound sleep and a free mind so long as the house is not well organized; not tidy, the washed laundry is not well parked, the kitchen and sink are full of dirty plates and the bed not well laid. These are other ways of giving you enough stress after the hard day’s activities instead of finding comfort and rest at home. Make sure you do all the house chores during the weekend before starting another week on Monday.

  1. Handle the unexpected and stressful condition

Life is full of so many uncertainties. You are likely to come across breathtaking events, bad news and other issues in the workplace that may blow your mind. You must plan ahead and have strategies of handling possible uncertainties and bad news. Advance plans may help to will reduce the stress at work. It calls for making provisions in life to remedy any failure and unfortunate situations.

Recommended Articles For You:

  1. 10 Things Every Christian Should Do At The Workplace
  2. 10 Ways to Know You Are A Blessing To People