tag:blogger.com,1999:blog-15272118764368736132024-03-18T13:01:16.237+01:00The Lion King - Blog EditionOfficial blog for UBA GroupLion Kinghttp://www.blogger.com/profile/16269385146536561444noreply@blogger.comBlogger555125tag:blogger.com,1999:blog-1527211876436873613.post-23549339924227435382022-12-12T09:08:00.003+01:002022-12-12T09:20:42.020+01:00Africa at the Centre of Global Trade.<p> </p><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><img border="0" data-original-height="1536" data-original-width="2304" height="427" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgPYvmgPuRvsjm4rhFSgpUvRV6EzVRL28WR4a23IGJsZpo4EW63KZ_ZTd0RsR4JInSPXPSwqyAbpefLGUJK8pmU4skIQUQC-7qA-DsO2bhqKdi8GA2pogVYylZl2sJsvYZlvOiYlkaOyYYDW9y1NQBbVZ0pc-N2ML-z_dBIoUoNa-2Rq4HYM2JbRoKKqg/w640-h427/DSC06709.JPG" style="margin-left: auto; margin-right: auto;" width="640" /></td></tr><tr><td class="tr-caption" style="text-align: center;">Tony Elumelu at UBA America Office, New York</td></tr></tbody></table><p align="center" class="MsoNormal" style="text-align: center;"><br /></p>
<p class="MsoNormal">The change that Africa has witnessed in the past couple of years
has been remarkable and indeed very promising. Africa is standing up for
herself and moulding her future. <o:p></o:p></p>
<p class="MsoNormal">Africa’s success in the global market rests on deepening
international and regional integration which will help scale up demand for
supply and build value chains. There is therefore a need to integrate efforts
to strengthen trade and investment between African countries and the United
states.<o:p></o:p></p>
<p class="MsoNormal">From the 13th to the 15th of December, our Group Chairman
Tony Elumelu will be leading the UBA delegation at the U.S African Leaders Summit 2022. The Summit will
serve as demonstration of the United States’ enduring commitment to Africa and
will underscore the importance of U.S.-Africa relations and increased
cooperation on shared global priorities.<o:p></o:p></p>
<p class="MsoNormal">With a growing population of mainly young people, Africa
will shape the future- not just the future of the African people, but of the
world. Africa will make the difference in tackling the most urgent challenges
and seizing the opportunities we face like advancing trade and commercial ties
with key African countries to increase the U.S. and African prosperity. <o:p></o:p></p>
<p class="MsoNormal">We must put in place the necessary payment infrastructure
that will lead to the success of the largest free trade and the United Bank for
Africa (UBA) is a payments gateway to the continent leveraging its reach across
20 African countries and the major financial centres of London, Paris, New
York, and Dubai.<o:p></o:p></p>
<p class="MsoNormal">As the only African bank with a commercial deposit taking
presence in the United States. UBA provides corporate, commercial, SME and
consumer banking services to more than 35 million customers globally thereby
bringing financial services to Africans on the continent and in the diaspora. From
payment services to liquidity management solutions, UBA America offers a range
of treasury services to help in the financial planning and business functions
of organisations. As well as ensuring that customers thrive in the global
marketplace by through efficient and secure trade.<o:p></o:p></p>
<p class="MsoNormal">UBA America also offers an extensive, secure correspondent
banking network, while closely adhering to Know Your Customer best practices
and ensuring full transparency throughout the process.<o:p></o:p></p>
<p class="MsoNormal">Watch this space for updates.<o:p></o:p></p>
<p class="MsoNormal">#AfricasGlobalBank<o:p></o:p></p>UBA Grouphttp://www.blogger.com/profile/06995167439144713087noreply@blogger.com0tag:blogger.com,1999:blog-1527211876436873613.post-51322341724934798742022-10-25T15:57:00.001+01:002022-10-25T15:57:17.361+01:00How To Handle Meltdowns at Work<p></p><div class="separator" style="clear: both; text-align: center;"><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEiaBF5BgAJhcOmKUGvrVjdbf1GbZ-rHF4KCMIofZyzJSPL0yA50HUnWNOQ-1pMfXi7WD5sepf_k7vHAqfk3K9QKlSBFWKN1dywLt7roRqptZWlG1N7JyHUHjOEqsJ5Op025XUGQ-DFWcjb4WKlyG41sl5YeUyviSBZbO1kQBisXLg2m1OrW9hG5nras6Q" style="margin-left: auto; margin-right: auto;"><img alt="" data-original-height="1500" data-original-width="1000" height="640" src="https://blogger.googleusercontent.com/img/a/AVvXsEiaBF5BgAJhcOmKUGvrVjdbf1GbZ-rHF4KCMIofZyzJSPL0yA50HUnWNOQ-1pMfXi7WD5sepf_k7vHAqfk3K9QKlSBFWKN1dywLt7roRqptZWlG1N7JyHUHjOEqsJ5Op025XUGQ-DFWcjb4WKlyG41sl5YeUyviSBZbO1kQBisXLg2m1OrW9hG5nras6Q=w427-h640" width="427" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Image: Pexels</td></tr></tbody></table><br /><br /></div><br />If you are reading this, it’s either you are having a meltdown and are looking for how to manage it or have had a meltdown and don’t know where to go from there or you are yet to experience one. <p></p><p>A meltdown is an intense response to an overwhelming situation, and this can cause you to temporarily lose control of your behaviour. This loss of control can be expressed either verbally or physically. It can also be expressed both ways. </p><p>Meltdowns at work are unavoidable. </p><p>We’ve all had those moments where we didn’t think before we spoke or acted. We just felt a rush of emotion and next thing we are asking ourselves- When did I say that? Unfortunately, this can lead to burnt bridges and damaged relationship- a high price to pay for our actions. </p><p>So how do we avoid emotional meltdowns?</p><p><b>1.<span style="white-space: pre;"> </span>Identify Your Emotional Triggers.</b></p><p><b><br /><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEiUSkiuWExPw5vO1W84-yBtWCGzyecek10fVbeDLMLCQLE4sejnCiysgAH1eI1QGgwL7UU1b8icjCspPSJwmKrzoHQrQWI7EmbNkznKppCNoiGmbpXAva6WZ5Y0cPQ4iyUF1vdZ07REfFk-03NqNgiG0_-AC2R6M_5DF2_wM6ihRWrP5Nq9sPPWz5zuXA" style="margin-left: auto; margin-right: auto;"><img alt="" data-original-height="1500" data-original-width="2000" height="300" src="https://blogger.googleusercontent.com/img/a/AVvXsEiUSkiuWExPw5vO1W84-yBtWCGzyecek10fVbeDLMLCQLE4sejnCiysgAH1eI1QGgwL7UU1b8icjCspPSJwmKrzoHQrQWI7EmbNkznKppCNoiGmbpXAva6WZ5Y0cPQ4iyUF1vdZ07REfFk-03NqNgiG0_-AC2R6M_5DF2_wM6ihRWrP5Nq9sPPWz5zuXA=w400-h300" width="400" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Image: Pexels</td></tr></tbody></table></b></p><p>knowing what pushes your buttons is the first key to preventing emotional meltdowns. Once you can identify this, there a good chance that you’ll be able to know when a meltdown is looming.</p><p><b>2.<span style="white-space: pre;"> </span>Have a plan.</b></p><p><b><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEg-RuvQ0slEiQAKwwjmMYWe3o8ZNP3RMTq3qSDCt1AzGDQXSE52EDiVVMOqRQa2am7v82MHHhlH0yUkwtjf07CtmLg3lOtzrlAdRPuMNCaXNry0vi2eeUyv9blon7GRTW1Tl8BOs5ACF1g2MwlbaPrGzQzRVGguC_NhaWAtGv5HCea5PwdZ-k2CsS67Fg" style="margin-left: auto; margin-right: auto;"><img alt="" data-original-height="1500" data-original-width="2000" height="300" src="https://blogger.googleusercontent.com/img/a/AVvXsEg-RuvQ0slEiQAKwwjmMYWe3o8ZNP3RMTq3qSDCt1AzGDQXSE52EDiVVMOqRQa2am7v82MHHhlH0yUkwtjf07CtmLg3lOtzrlAdRPuMNCaXNry0vi2eeUyv9blon7GRTW1Tl8BOs5ACF1g2MwlbaPrGzQzRVGguC_NhaWAtGv5HCea5PwdZ-k2CsS67Fg=w400-h300" width="400" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Image: Pexels</td></tr></tbody></table><br /></b>Your trigger could be a person or as situation. Having a plan Once you’ve identified your triggers can help you manage them.</p><p>An idea would be to write down your thoughts ahead of a meeting with said person. That way, you are in control of your thoughts and would not make any outbursts if triggered. </p><p><b>3.<span style="white-space: pre;"> </span>Take a breather.</b></p><p><b><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEiOjmy1vfHD5OIs64kThHjz2jdXEjD1DP8pLKmVa6B12LWeERQ1cG6cVDX9I1nXjAca3Slo_tpTp-zk5sK9YM3cKbeDy4Univ_QUbdYQjIMiOo9zgdGTB2p0kPahVRMAbiCgKKDnzQU9OaBaf8h78HBX-o-FyBm89Q69zDv8LBtvCql8D72XfnfDoZODg" style="margin-left: auto; margin-right: auto;"><img alt="" data-original-height="1414" data-original-width="1885" height="240" src="https://blogger.googleusercontent.com/img/a/AVvXsEiOjmy1vfHD5OIs64kThHjz2jdXEjD1DP8pLKmVa6B12LWeERQ1cG6cVDX9I1nXjAca3Slo_tpTp-zk5sK9YM3cKbeDy4Univ_QUbdYQjIMiOo9zgdGTB2p0kPahVRMAbiCgKKDnzQU9OaBaf8h78HBX-o-FyBm89Q69zDv8LBtvCql8D72XfnfDoZODg" width="320" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Image: Google</td></tr></tbody></table><br /></b>This approach can be effective when it comes to preventing meltdowns. When you are feeling overwhelmed, take a breath, pause and step away from the situation for a few minutes to allow yourself calm down.</p><p>This can help you take a rational and logical thinking decision instead of an outburst.</p><p>In conclusion, meltdowns are bound to occur however, it is how you handle it that counts. </p><div><br /></div>UBA Grouphttp://www.blogger.com/profile/06995167439144713087noreply@blogger.com0tag:blogger.com,1999:blog-1527211876436873613.post-79793114506381904762022-10-19T14:49:00.005+01:002022-10-19T14:49:53.803+01:003 Steps to Help You End the Year Debt Free<p></p><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEiBSRNhJRGjwmIEHEgH-UXyTWkOSqre4sJ-1YLhseWQghGhBrUdWPY3-ayPD0tAs6I0wGxxD-yLh_RgRhQsr56FkjvaSKxCeghH029ilFNkRanMSHdig1wNjLKi5PxCAB_PtDEHrTbeVBwPSvayWc30edkA9MLQTFdmKNwzQJRldUGdyXowXFja3imL1w" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="1024" data-original-width="1024" height="640" src="https://blogger.googleusercontent.com/img/a/AVvXsEiBSRNhJRGjwmIEHEgH-UXyTWkOSqre4sJ-1YLhseWQghGhBrUdWPY3-ayPD0tAs6I0wGxxD-yLh_RgRhQsr56FkjvaSKxCeghH029ilFNkRanMSHdig1wNjLKi5PxCAB_PtDEHrTbeVBwPSvayWc30edkA9MLQTFdmKNwzQJRldUGdyXowXFja3imL1w=w640-h640" width="640" /></a></div><br /><br /></div><p></p><p>We are gradually getting to the end of the year.</p><p>If you want to end the year debt free, these 3 simple steps will guide you.</p><p><b>1. Separate your needs from your wants.</b></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEhyjvltD1pHeRaDp7m-bqMii-0rKhVQ4tvBTsbFRdbuJ06MAsxBysgcuSVLrCigQQdDu_wqYAOgjexYWX0eytvmZuR6GK7IHGo7w6pvEvzj9PT5MR_XSamd3FVldgFHyBmczLGIdOZmMZtet9ZNScjueaJ4wT_V9RNBIBogZxBrdrVEuJDs7EYJiTki2Q" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="1809" data-original-width="2560" height="452" src="https://blogger.googleusercontent.com/img/a/AVvXsEhyjvltD1pHeRaDp7m-bqMii-0rKhVQ4tvBTsbFRdbuJ06MAsxBysgcuSVLrCigQQdDu_wqYAOgjexYWX0eytvmZuR6GK7IHGo7w6pvEvzj9PT5MR_XSamd3FVldgFHyBmczLGIdOZmMZtet9ZNScjueaJ4wT_V9RNBIBogZxBrdrVEuJDs7EYJiTki2Q=w640-h452" width="640" /></a></div><br />This is pretty simple, but it requires discipline. Keep track of every Naira spent for a week or two. Then, divide your expenses into needs and wants. Subtract your needs from your income so you know how much you have left. Choose your top priority wants, and let the rest go.<p></p><p><br /></p><p><b>2. Squeeze more savings out of your budget.</b></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEjccWGlBVW_E3EO4-AvuxOsZjkpo1LnwRiupaAjmPnqGlKVxYlqMNuYOEHVX6UMiARZm8FLYkFh5EUsRxpxVQjtXzFHd9cGeGIG9xZyc2OdYR1tPcJV9gpKJNqJuSGZ2lnohq5MSk797SXLuZZzsyh_86OdYOxotvIvynViUzRBsvb5h_G_yn7ROGDbXA" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="533" data-original-width="800" height="426" src="https://blogger.googleusercontent.com/img/a/AVvXsEjccWGlBVW_E3EO4-AvuxOsZjkpo1LnwRiupaAjmPnqGlKVxYlqMNuYOEHVX6UMiARZm8FLYkFh5EUsRxpxVQjtXzFHd9cGeGIG9xZyc2OdYR1tPcJV9gpKJNqJuSGZ2lnohq5MSk797SXLuZZzsyh_86OdYOxotvIvynViUzRBsvb5h_G_yn7ROGDbXA=w640-h426" width="640" /></a></div><p>3SIt may feel more comfortable to have some extra cash in your bank account, but it is not ideal for someone who needs to settle debts.</p><p>Pay off high-interest debts with a large portion of your savings to avoid accruing interest on your existing loan balance.</p><p><br /></p><p><b>3. Start a side hustle.</b></p><p><b></b></p><div class="separator" style="clear: both; text-align: center;"><b><a href="https://blogger.googleusercontent.com/img/a/AVvXsEhfPBix9Kwvslwf4dg5r9_g_pMw8BQRvsJMp_Xc__I0VoXe6Gn8PUPbjwf-7y4SjjHKpGyWJJ2ARMvitrRLclmO4OWzkg9Td6MFQP87KDBOc85NXSKEk6nJHxgrg8tB_O5jmyQADmkQqGARbS8X0zArMpxblSiHrJaGlGO4qXCkzHppMYPajH7X_1Ht1g" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="667" data-original-width="1000" height="426" src="https://blogger.googleusercontent.com/img/a/AVvXsEhfPBix9Kwvslwf4dg5r9_g_pMw8BQRvsJMp_Xc__I0VoXe6Gn8PUPbjwf-7y4SjjHKpGyWJJ2ARMvitrRLclmO4OWzkg9Td6MFQP87KDBOc85NXSKEk6nJHxgrg8tB_O5jmyQADmkQqGARbS8X0zArMpxblSiHrJaGlGO4qXCkzHppMYPajH7X_1Ht1g=w640-h426" width="640" /></a></b></div><b><br /></b>A lot of people work full-time, yet run a successful blog or YouTube channel. A side hustle can be challenging, it forces you to step outside of your comfort zone and try something new, but the benefits of success outweigh the challenges, so it's worth a try.<p></p><p>Examine your skill set and monetize one that you know you're good at.</p><p><br /></p><p><br /></p>UBA Grouphttp://www.blogger.com/profile/06995167439144713087noreply@blogger.com0tag:blogger.com,1999:blog-1527211876436873613.post-53839008834950891002022-09-29T08:47:00.001+01:002022-09-30T03:49:27.549+01:00AfCFTA: Africa Trade at UNGA 77<p> </p><p align="center" class="MsoNormal" style="line-height: normal; margin-bottom: 13.5pt; text-align: center;"><span style="font-family: Century Gothic, sans-serif;"></span></p><div class="separator" style="clear: both; text-align: center;"><span style="font-family: Century Gothic, sans-serif;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEik1J4Eg5SsrBUDmKmV1DxrjVRtDIbWJ32YstRsoBfpD5KaICsFl-wc3pWzjzn1HzrxjZFHjwDcxrgDjZ-KDvtQQ7eREUb-ik-lzhVVCZmxQ1ljsn2XMw-ZeAn_QG3pFCMHKW8RiPxLRUYkxkbvMsQVruGZ6aciIyT0Ud32k1UXTsm-YnaVzim7u6FYMQ/s1080/UNGA.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="720" data-original-width="1080" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEik1J4Eg5SsrBUDmKmV1DxrjVRtDIbWJ32YstRsoBfpD5KaICsFl-wc3pWzjzn1HzrxjZFHjwDcxrgDjZ-KDvtQQ7eREUb-ik-lzhVVCZmxQ1ljsn2XMw-ZeAn_QG3pFCMHKW8RiPxLRUYkxkbvMsQVruGZ6aciIyT0Ud32k1UXTsm-YnaVzim7u6FYMQ/w640-h426/UNGA.jpeg" width="640" /></a></span></div><p></p><p align="center" class="MsoNormal" style="line-height: normal; margin-bottom: 13.5pt; text-align: center;"><span style="font-family: Century Gothic, sans-serif;"><i>'Africa is unstoppable. </i></span><span style="font-family: Century Gothic, sans-serif;"><i>Africa is an essential part of global business and a major investment destination. </i></span><span style="font-family: Century Gothic, sans-serif;"><i>Africa includes some of the world’s fastest growing economies. </i></span><span style="font-family: Century Gothic, sans-serif;"><i>And Africa has more – much more – to offer. </i></span><span style="font-family: Century Gothic, sans-serif;"><i>Every sector of the African economy is growing – from manufacturing to agriculture, from services to finance. </i></span><span style="font-family: Century Gothic, sans-serif;"><i>The continent’s vibrant, young population represents a dynamic workforce and a massive consumer and business market. </i></span><span style="font-family: Century Gothic, sans-serif;"><i>And the Africa Continental Free Trade Area Agreement will further accelerate investment and trade opportunities. </i></span><i style="font-family: "Century Gothic", sans-serif;">The world must see Africa for what it is: a land of enormous potential and resources.'</i></p><div style="text-align: center;"><br /></div>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 13.5pt;"><span style="font-family: "Century Gothic", sans-serif; text-align: justify;">The words above by the </span><b style="font-family: "Century Gothic", sans-serif; text-align: justify;">Secretary-General
of the United Nations, António Guterres </b><span style="font-family: "Century Gothic", sans-serif; text-align: justify;">at the Global Africa Business
Initiative (GABI) which held last week at the 77</span><sup style="font-family: "Century Gothic", sans-serif; text-align: justify;">th</sup><span style="font-family: "Century Gothic", sans-serif; text-align: justify;"> United Nations
General Assembly set the tone for Africa and African Trade</span><span style="font-family: "Century Gothic", sans-serif; text-align: justify;"> </span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 13.5pt; text-align: justify;"><span lang="EN-US" style="font-family: "Century Gothic",sans-serif; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;">Last week</span><span style="font-family: "Century Gothic",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;">, leaders
from around the world will come together to focus on global challenges and zero
in on global solutions</span><span style="font-family: "Century Gothic",sans-serif; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;"> <span lang="EN-US">at the 77<sup>th</sup>
United Nations General Assembly.</span></span><span style="font-family: "Century Gothic",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;"> <o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 13.5pt; text-align: justify;"><span lang="EN-US" style="font-family: "Century Gothic",sans-serif; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;">The global economy has
taken a hit in the past 2 years, f</span><span style="font-family: "Century Gothic",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;">rom COVID-19 </span><span lang="EN-US" style="font-family: "Century Gothic",sans-serif; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;">to</span><span style="font-family: "Century Gothic",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;"> the</span><span lang="EN-US" style="font-family: "Century Gothic",sans-serif; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;"> Russian-</span><span style="font-family: "Century Gothic",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;">Ukraine</span><span lang="EN-US" style="font-family: "Century Gothic",sans-serif; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;"> crisis, our world has been plagued with </span><span style="font-family: "Century Gothic",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;">growing
inequalities,</span><span lang="EN-US" style="font-family: "Century Gothic",sans-serif; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;"> global inflation, </span><span style="font-family: "Century Gothic",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;">a
cost-of-living crisis, and the reversal of the Sustainable Development Goal</span><span lang="EN-US" style="font-family: "Century Gothic",sans-serif; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;">.<o:p></o:p></span></p>
<p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: 7.5pt; text-align: justify;"><span lang="EN-US" style="color: #555555; font-family: "Century Gothic",sans-serif; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;">However, with
the </span><span style="color: #555555; font-family: "Century Gothic",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;">African Continental Free Trade Area, </span><span lang="EN-US" style="color: #555555; font-family: "Century Gothic",sans-serif; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;">we see an opportunity to </span><span style="color: #555555; font-family: "Century Gothic",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;">driv</span><span lang="EN-US" style="color: #555555; font-family: "Century Gothic",sans-serif; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;">e</span><span style="color: #555555; font-family: "Century Gothic",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;">
intra-Africa trade and creating an unparalleled momentum for </span><span lang="EN-US" style="color: #555555; font-family: "Century Gothic",sans-serif; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;">Africa’s </span><span style="color: #555555; font-family: "Century Gothic",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;">economic
diversity and transformation. We know that industrialisation is the way to go
and, with the single market as the added incentive, </span><span lang="EN-US" style="color: #555555; font-family: "Century Gothic",sans-serif; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;">t</span><span style="color: black; font-family: "Century Gothic",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-color-alt: windowtext; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;">he world must
see Africa for what it is: a land of enormous potential and resources. </span><span style="font-family: "Century Gothic",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 13.5pt; text-align: justify;"><span lang="EN-US" style="font-family: "Century Gothic",sans-serif; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;">As often advocated by the
Group Chairman, <b>Tony O. Elumelu</b> and reiterated in his sessions at UNGA
77 - w</span><span style="font-family: "Century Gothic",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;">orking together, Governments </span><span lang="EN-US" style="font-family: "Century Gothic",sans-serif; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;">by creating the enabling environment </span><span style="font-family: "Century Gothic",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;">and the
private sector </span><span lang="EN-US" style="font-family: "Century Gothic",sans-serif; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;">by investing in critical
sectors guided by the philosophy of Africapitalism </span><span style="font-family: "Century Gothic",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;">can create
the conditions for success. </span><span style="font-family: "Century Gothic",sans-serif; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;"> </span><span style="font-family: "Century Gothic",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;"><o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 13.5pt; text-align: justify;"><span style="font-family: "Century Gothic",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;">Now is the time for innovation</span><span lang="EN-US" style="font-family: "Century Gothic",sans-serif; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;"> with the AfCFTA underway, f</span><span style="font-family: "Century Gothic",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;">or new public-private partnerships</span><span lang="EN-US" style="font-family: "Century Gothic",sans-serif; mso-ansi-language: EN-US; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;"> and t</span><span style="font-family: "Century Gothic",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;">here are opportunities in all sectors – from
education and healthcare to finance and services. <o:p></o:p></span></p>
<p class="MsoNormal" style="line-height: normal; margin-bottom: 13.5pt; text-align: justify;"><span style="font-family: "Century Gothic",sans-serif; mso-bidi-font-family: "Times New Roman"; mso-fareast-font-family: "Times New Roman"; mso-fareast-language: #1000;"><o:p> </o:p></span><span style="font-family: "Century Gothic", sans-serif;">Hopes
of greatly boosting intra-African trade rest on the implementation of the
African Continental Free Trade Area (AfCFTA). The initiative will reduce both
tariff and non-tariff barriers to African cross-border trade, encourage the
construction of much-needed logistics infrastructure and above all, create a
new mindset, that potentially huge untapped markets lie on the doorsteps of
every African business.</span></p>
<p class="MsoNormal" style="text-align: justify;"><span lang="EN-US" style="font-family: "Century Gothic",sans-serif; mso-ansi-language: EN-US;">The
role of the banking sector in this process is a central driver of this change
and simultaneously be heavily impacted by it. In Nigeria, the </span><span style="font-family: "Century Gothic",sans-serif;">United Bank for Africa (UBA)
Plc rank</span><span lang="EN-US" style="font-family: "Century Gothic",sans-serif; mso-ansi-language: EN-US;">s</span><span style="font-family: "Century Gothic",sans-serif;">
No. 1 in export banking among Nigeria’s deposit money banks (DMBs) for three
consecutive years as at FY 2021 </span><span lang="EN-US" style="font-family: "Century Gothic",sans-serif; mso-ansi-language: EN-US;">facilitating</span><span style="font-family: "Century Gothic",sans-serif;"> $1.34 billion non-oil export
for that year alone. This was 31 percent of total non-oil export volume for
2021 making it the highest since 2019.</span><span style="font-family: "Century Gothic",sans-serif; mso-ansi-language: EN-US;"> </span><span style="font-family: "Century Gothic",sans-serif;">This
comes on the heels of the bank’s robust export financing scheme designed to
boost local productivity and diversify the sources of foreign exchange earnings<o:p></o:p></span></p>
<p class="MsoNormal" style="text-align: justify;"><span lang="EN-US" style="font-family: "Century Gothic",sans-serif; mso-ansi-language: EN-US;">From a </span><span style="font-family: "Century Gothic",sans-serif;">US$200 million Non-oil export
trade financing programme to bridge working capital requirements of
SME/commercial exporters at concessionary interest rate and favourable
collateral structure, and Provision of project & structured trade financing
to enhance export capacities of manufacturing as well as commodity aggregators</span><span lang="EN-US" style="font-family: "Century Gothic",sans-serif; mso-ansi-language: EN-US;">, to a d</span><span style="font-family: "Century Gothic",sans-serif;">edicated
export desks and an export manager for our business to lead the charge of our
export business arrangements and UBA Afritrade – to facilitate regional trade
and settlements that start and end within the UBA ecosystem across Africa.<o:p></o:p></span></p>
<p class="MsoNormal" style="text-align: justify;"><span lang="EN-US" style="font-family: "Century Gothic",sans-serif; mso-ansi-language: EN-US;">UBAs p</span><span style="font-family: "Century Gothic",sans-serif;">artnership with Export focused
Agencies in Nigeria CBN/NEPC/NIRSAL</span><span style="font-family: "Century Gothic",sans-serif; mso-ansi-language: EN-US;"> </span><span style="font-family: "Century Gothic",sans-serif;">and
</span><span lang="EN-US" style="font-family: "Century Gothic",sans-serif; mso-ansi-language: EN-US;">as the </span><span style="font-family: "Century Gothic",sans-serif;">Pilot
bank to AfCFTA/PAPSS to facilitate Regional Trade payments across Africa,
commencing in 5 Countries (Nigeria, Ghana, Guinea, S/Leone and Liberia) will </span><span lang="EN-US" style="font-family: "Century Gothic",sans-serif; mso-ansi-language: EN-US;">place the bank at the forefront of driving the </span><span style="font-family: "Century Gothic",sans-serif;">commence</span><span lang="EN-US" style="font-family: "Century Gothic",sans-serif; mso-ansi-language: EN-US;">ment</span><span lang="EN-US" style="font-family: "Century Gothic",sans-serif;">
</span><span lang="EN-US" style="font-family: "Century Gothic",sans-serif; mso-ansi-language: EN-US;">of </span><span style="font-family: "Century Gothic",sans-serif;">cross-border
transactions with the new Pan-African Payment and Settlement System in the
fourth quarter of 2022.<o:p></o:p></span></p>
<p style="background: white; margin-bottom: 12.0pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span style="color: black; font-family: "Century Gothic",sans-serif; font-size: 11.0pt; mso-bidi-font-family: "Open Sans";">Perhaps the biggest effect of the AfCFTA on the African banking
sector is the </span><span style="color: black; mso-color-alt: windowtext;"><a href="https://papss.com/" target="_blank"><span style="font-family: "Century Gothic",sans-serif; font-size: 11.0pt; mso-bidi-font-family: "Open Sans";">Pan-African
Payment and Settlement System</span></a></span><span style="color: black; font-family: "Century Gothic",sans-serif; font-size: 11.0pt; mso-bidi-font-family: "Open Sans";"> (PAPSS), a centralised payment and settlement system that
was launched by Afreximbank with the support of the AfCFTA Secretariat </span><span lang="EN-US" style="color: black; font-family: "Century Gothic",sans-serif; font-size: 11.0pt; mso-ansi-language: EN-US; mso-color-alt: windowtext;">that </span><span style="color: black; font-family: "Century Gothic",sans-serif; font-size: 11.0pt; mso-color-alt: windowtext;"><span style="mso-spacerun: yes;"> </span>would
facilitate and improve intra-African trade and commerce payments as making
payments across border could sometimes be a challenge.</span><span lang="EN-US" style="font-family: "Century Gothic",sans-serif; font-size: 11.0pt; mso-ansi-language: EN-US;"><o:p></o:p></span></p>
<p style="background: white; margin-bottom: 12.0pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span lang="EN-US" style="color: black; font-family: "Century Gothic",sans-serif; font-size: 11.0pt; mso-ansi-language: EN-US; mso-bidi-font-family: "Open Sans";">This opportunity as the pilot bank </span><span style="color: black; font-family: "Century Gothic",sans-serif; font-size: 11.0pt; mso-bidi-font-family: "Open Sans";">is set to bring about a growing number of supply chain
finance opportunities in the coming years.<o:p></o:p></span></p>
<p style="background: white; margin-bottom: 12.0pt; margin-left: 0cm; margin-right: 0cm; margin-top: 0cm; text-align: justify;"><span lang="EN-US" style="color: black; font-family: "Century Gothic",sans-serif; font-size: 11.0pt; mso-ansi-language: EN-US; mso-bidi-font-family: "Open Sans";">With UBA</span><span style="color: black; font-family: "Century Gothic",sans-serif; font-size: 11.0pt; mso-bidi-font-family: "Open Sans";"> at the heart of the AfCFTA’s attempt to create a single
continental market for goods and services that will hopefully optimise the use
and allocation of resources</span><span lang="EN-US" style="color: black; font-family: "Century Gothic",sans-serif; font-size: 11.0pt; mso-ansi-language: EN-US; mso-bidi-font-family: "Open Sans";"> and </span><span style="color: black; font-family: "Century Gothic",sans-serif; font-size: 11.0pt; mso-bidi-font-family: "Open Sans";">will make the trade area a success </span><span lang="EN-US" style="color: black; font-family: "Century Gothic",sans-serif; font-size: 11.0pt; mso-ansi-language: EN-US; mso-bidi-font-family: "Open Sans";">and </span><span style="color: black; font-family: "Century Gothic",sans-serif; font-size: 11.0pt; mso-bidi-font-family: "Open Sans";">more effective at supporting African economic
development.</span><span style="font-family: "Century Gothic",sans-serif; font-size: 11.0pt;"><o:p></o:p></span></p>UBA Grouphttp://www.blogger.com/profile/06995167439144713087noreply@blogger.com0tag:blogger.com,1999:blog-1527211876436873613.post-6150474276643812562022-09-26T16:00:00.003+01:002022-09-30T04:12:16.350+01:00#UBAAtUNGA: The Need for Partnerships<p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgB2g34LdVd9mo51qTWrwLn1_tD77y8m59rLQVnW-hsLy9Aa7d1lSX1brckG2_6XXYB2Qs35WCuy23747DxgVPRVQL8YQ4-hjFyNHPDKd_VOk7qt4kW2GM13JITQGZfSsKUo-zjhRBolRMmrEyG7nbSmUUf-EJDvM06at0MPltOxnKIR9xbei7CE8-o_A/s1080/TOE%20x%20Team%20UBA%20x%20Team%20UNDP.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="720" data-original-width="1080" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgB2g34LdVd9mo51qTWrwLn1_tD77y8m59rLQVnW-hsLy9Aa7d1lSX1brckG2_6XXYB2Qs35WCuy23747DxgVPRVQL8YQ4-hjFyNHPDKd_VOk7qt4kW2GM13JITQGZfSsKUo-zjhRBolRMmrEyG7nbSmUUf-EJDvM06at0MPltOxnKIR9xbei7CE8-o_A/w640-h426/TOE%20x%20Team%20UBA%20x%20Team%20UNDP.jpeg" width="640" /></a></div><br /><span style="font-family: "Century Gothic", sans-serif; text-align: justify;"><br /></span><p></p><p><span style="font-family: "Century Gothic", sans-serif; text-align: justify;">“There
are a lot of opportunities on the continent but capital is very difficult to
come by” - Group Chairman, Tony O Elumelu.</span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-family: "Century Gothic",sans-serif;">It
has been quite an engaging week for <b>#UBAAtUNGA</b> as Group Chairman, Tony
Elumelu, amongst other things emphasized the need for partnerships for African
entrepreneurs. In his speech during the interview on CNN, he said “There are a
lot of other young Africans who are more energetic, equally intelligent if not
even more intelligent, but access to capital is very difficult to come by in
Africa that is why we believe that we need to extend our hands to others and
see how collectively we can make a difference on the continent”. We are working
with individuals and institutions like the UNCDF we think we can make a whole
world of difference.<o:p></o:p></span></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-family: "Century Gothic", sans-serif;">The
partnerships will benefit African entrepreneurs in terms of capital,
mentorship, business education to effectively manage their capital. This is why
UBA Group steadfastly adheres to its age long commitment to African entrepreneurs,
providing them with the much needed capital, specially created for every niche
including business mentorship and education through its SME Desk. The Chairman
added that “The global community must lend hands through partnerships to tackle
joblessness and its impact on mankind and humanity to ensure the security of
our future”.</span></p><p class="MsoNormal" style="text-align: justify;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgdYUENpy_v1M21Tt0i4mmTOowj9yzPzyqhZMcViKvVB9VGtwhPJnfLUtAttuJTlbbn_S0OGLZ4wQKG2uNqG0qADxFt-pXZX6_UWj9i-cZY-tUVCJ4jGQDAcgI7QGmqEQ9J7hx_Foswels-woaL5PIddhydpZtow9fQ-y2LILyIvxkL5O9ijc23dmxksA/s1080/TOEx%20Achim%20Steiner.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1080" data-original-width="864" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgdYUENpy_v1M21Tt0i4mmTOowj9yzPzyqhZMcViKvVB9VGtwhPJnfLUtAttuJTlbbn_S0OGLZ4wQKG2uNqG0qADxFt-pXZX6_UWj9i-cZY-tUVCJ4jGQDAcgI7QGmqEQ9J7hx_Foswels-woaL5PIddhydpZtow9fQ-y2LILyIvxkL5O9ijc23dmxksA/w512-h640/TOEx%20Achim%20Steiner.jpeg" width="512" /></a></div><br /><div class="separator" style="clear: both; text-align: left;"><span style="font-family: "Century Gothic", sans-serif; text-align: justify;">According
to the Group Chairman, “I’m very worried, but the glass is half full. What I
see in the emerging markets is that even though there’s inflation and interest
rate go up and creates more problems, we also see a lot of opportunities on the
continent that more emerging markets. I think that prioritizing the young ones,
investing in their future will help us to create ultimately, sustainable
economic development for all.”</span></div><p></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-family: "Century Gothic", sans-serif;">According
to Ahunna Eziakonwa, Assistant Administration, UNDP, “What the Group Chairman
has started is a revolution. His philanthropy has opened the eyes of
multilateral organisations like the UNDP and many other agencies. We’ve seen
how these collaborations open up a new world for these entrepreneurs”. With the
advent and arrival of the African Continental Free Trade Agreement, our
interact</span><span style="font-family: "Century Gothic", sans-serif;">ion with young entrepreneurs shows that their dreams have surpassed their immediate borders and suddenly there is a market (AfCFTA) that gives them that opportunity. This is where organisations like ours, UBA Group come in strategically in partnership with these SMEs providing them with cross border payment solutions.</span></p><p class="MsoNormal" style="text-align: justify;"><span style="font-family: "Century Gothic", sans-serif;"></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjGJh_z88oK5ZXuMFO59JDBddVwis9arbmMjmA_NEM7Nl-94ddRTfixTnNcOLXRbq5aNiLGoViSTvAYx9w9nO5sIq0IFqyM5CqFauyM9lQCYT3EUOQK4ywF9lYC0SlkTp28DIQ3cWAnQ5GhJmrA5fyiiJSMNsDg0n7AMBVV-r674A5nAI6cyfv6486qFQ/s1080/TOE%20x%20Sam%20Power.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1080" data-original-width="1080" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjGJh_z88oK5ZXuMFO59JDBddVwis9arbmMjmA_NEM7Nl-94ddRTfixTnNcOLXRbq5aNiLGoViSTvAYx9w9nO5sIq0IFqyM5CqFauyM9lQCYT3EUOQK4ywF9lYC0SlkTp28DIQ3cWAnQ5GhJmrA5fyiiJSMNsDg0n7AMBVV-r674A5nAI6cyfv6486qFQ/w640-h640/TOE%20x%20Sam%20Power.jpeg" width="640" /></a></div><p></p>
<p class="MsoNormal" style="text-align: justify;"><span style="font-family: "Century Gothic", sans-serif;">In
a meeting with Samantha Power, the Administrator for the United States Agency
for International Development (USAID) he highlighted the benefits of a
partnership UBA Group to imitate better financing solutions across the
continent.</span></p>UBA Grouphttp://www.blogger.com/profile/06995167439144713087noreply@blogger.com0tag:blogger.com,1999:blog-1527211876436873613.post-50761488213655050562022-01-14T16:56:00.000+01:002022-01-14T16:56:08.314+01:00How To Identify The Target Audience for Your Small Business<p> A major factor to consider before you start a new business is your ideal target audience. How you define your target market will help to build a solid foundation for your business. To identify your target audience, you must first eliminate the notion that everyone is your target audience. Everyone is not your target audience and no one can afford to target everyone. </p><p>Without detailed knowledge of your target market, you could be losing business to your competitors or missing out on opportunities to increase sales.</p><p>So how do you identify your target audience? We’ve made list for you.</p><p><b>1.<span style="white-space: pre;"> </span>Do your Research.</b></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEgH5A_MmI_zgFEluB7rKAiOPwe-b1S5dDlKihjnq7nDMx2vFAnlYU5L5G1pWcUBV8DIdzOnJNl5YdlbPe5lGEpNeEHg8R_eTzUMmzVqQ-fxLf26dXM2fceUPRzDoE_kyJROkQ_5w9EJyk5DyD2BQN7WN_nuYWqYDD9fRCMmLGG-ulY134yfwZZfnUPY6w=s1880" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1253" data-original-width="1880" height="426" src="https://blogger.googleusercontent.com/img/a/AVvXsEgH5A_MmI_zgFEluB7rKAiOPwe-b1S5dDlKihjnq7nDMx2vFAnlYU5L5G1pWcUBV8DIdzOnJNl5YdlbPe5lGEpNeEHg8R_eTzUMmzVqQ-fxLf26dXM2fceUPRzDoE_kyJROkQ_5w9EJyk5DyD2BQN7WN_nuYWqYDD9fRCMmLGG-ulY134yfwZZfnUPY6w=w640-h426" width="640" /></a></div>What is a business venture without proper research?<p></p><p>Find out what it is that your customers care about. Take a close look at solutions they are looking for and match your product with that need. </p><p>2.<span style="white-space: pre;"> </span><b>Analyze Your Product</b></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEguxmLZ2vZo5Di8NnzFJfAZwGV9dckd48qCqpETXcBVPEk9OY3FVFdxeIEBJVJM4Yu-G9FZSHGb7Sa3iCBXnsh-yIInPeeNkzotc6i9o28kLi2tsOyhy4im9h-ZbwylTbAEqRIFuir88f3biDsgewn6Qi3m-liBc9Z5RIIkjzAr_qDeP2ecrIHDbtM3og=s738" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="738" data-original-width="407" height="640" src="https://blogger.googleusercontent.com/img/a/AVvXsEguxmLZ2vZo5Di8NnzFJfAZwGV9dckd48qCqpETXcBVPEk9OY3FVFdxeIEBJVJM4Yu-G9FZSHGb7Sa3iCBXnsh-yIInPeeNkzotc6i9o28kLi2tsOyhy4im9h-ZbwylTbAEqRIFuir88f3biDsgewn6Qi3m-liBc9Z5RIIkjzAr_qDeP2ecrIHDbtM3og=w352-h640" width="352" /></a></div><p></p><p>Before you decide to introduce your product or service to your customers, you must fully understand it. You can do this by making a comprehensive analysis of the product/service you are offering. Make a list of its features and uses and all the benefits your audience will get when they use it.</p><p>You will use these benefits in your marketing materials – web copy, ads and content. The idea is not to sell the features, but solutions and benefits users will get from using your services or products.</p><p><b>3.<span style="white-space: pre;"> </span>Look at your current customer base.</b></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEhNB68X7bFt9gYlgMjZ-ZD9lR3p_UhZYYvWg_w5YRjM6K9KV3GrdM82I4TPHQFwA1Nswz4PqpHaAVM03l3yrJEM65LGMG6w9frh2Q2oCiepOBPLEHtNSjm5t7orsaFkL0jW80toWQyBM4EcgQFc4EWuxF2DIGFLtTuY6br6R7t0JkXDgId5YPSnF1Dkng=s630" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="420" data-original-width="630" height="426" src="https://blogger.googleusercontent.com/img/a/AVvXsEhNB68X7bFt9gYlgMjZ-ZD9lR3p_UhZYYvWg_w5YRjM6K9KV3GrdM82I4TPHQFwA1Nswz4PqpHaAVM03l3yrJEM65LGMG6w9frh2Q2oCiepOBPLEHtNSjm5t7orsaFkL0jW80toWQyBM4EcgQFc4EWuxF2DIGFLtTuY6br6R7t0JkXDgId5YPSnF1Dkng=w640-h426" width="640" /></a></div>You want to do is to identify the people who already buy from you. Figure out why they buy from you and look for common characteristics and interests. By identifying interests and characteristics it becomes easy for you to target people who share the same traits and begin to use this information to refine your existing customer base into a target market.<p></p><p><b>4.<span style="white-space: pre;"> </span>Check out your competition.</b></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEgJ-O1wSPqINq_iU_Lh59rfCEqZmMi6VVEfx4uGIlvzmBCRqE8dh98ZCYcRF1PWewH-3XL8CaveSwn578mTaXoritZaQ62kbT6p3q3HFvhFMBn_gH_NfWwCwPO-gruWoVM13Slt3RQAMi8STyLepED72Is6tubf9IaDfaXXwTpgDZUq89J4idVaSK4BCw=s626" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="416" data-original-width="626" height="426" src="https://blogger.googleusercontent.com/img/a/AVvXsEgJ-O1wSPqINq_iU_Lh59rfCEqZmMi6VVEfx4uGIlvzmBCRqE8dh98ZCYcRF1PWewH-3XL8CaveSwn578mTaXoritZaQ62kbT6p3q3HFvhFMBn_gH_NfWwCwPO-gruWoVM13Slt3RQAMi8STyLepED72Is6tubf9IaDfaXXwTpgDZUq89J4idVaSK4BCw=w640-h426" width="640" /></a></div><br /><b><br /></b><p></p><p>Who are your competitors’ current customers and who are the customers they are targeting? Don't go after the same people they are targeting. Instead, look for the niche market that they are overlooking and identify your target audience from it.</p><p><b>5.<span style="white-space: pre;"> </span>Segment your Audience.</b></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEi7NnDRDqBrXYqbkJmU189vrb7vBvZAC46vkzBH7V1KLTom5iDikLMsDJXvglBsS7qzDi6Y3k47OdQ6A3moyZbksU9TtSgDSKGSYhyo0BOo-qdsuPuSuLLMOQFKhUAPaj3dOw01xflqzC569tt6Wpd3heWwDlhCxVXzYuIKTAEyRdJjeXTG_HeK0XhU_g=s500" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="333" data-original-width="500" height="426" src="https://blogger.googleusercontent.com/img/a/AVvXsEi7NnDRDqBrXYqbkJmU189vrb7vBvZAC46vkzBH7V1KLTom5iDikLMsDJXvglBsS7qzDi6Y3k47OdQ6A3moyZbksU9TtSgDSKGSYhyo0BOo-qdsuPuSuLLMOQFKhUAPaj3dOw01xflqzC569tt6Wpd3heWwDlhCxVXzYuIKTAEyRdJjeXTG_HeK0XhU_g=w640-h426" width="640" /></a></div>Figure out not only who has a need for your product or service, but also who is most likely to buy it. You will also want to figure out the demography and psychography of your target audience. <p></p><p>For demography you should consider; age, location, gender, income level, education level, marital or family status, occupation and ethnic background. For psychography you should consider personality, attitudes, values, interests/hobbies, lifestyles and behavior. This information will help you determine how your product or service will fit into your target's lifestyle. </p><p>Remember that Just because your product or service appeals to a broad range of people doesn’t mean they are your target audience. However, you can have more than one niche market. Once you know who you are targeting, it is much easier to figure out which media you can use to reach them and what marketing messages will resonate with them.</p><div><br /></div>UBA Grouphttp://www.blogger.com/profile/06995167439144713087noreply@blogger.com0tag:blogger.com,1999:blog-1527211876436873613.post-37140467036004327232021-10-29T14:15:00.004+01:002021-10-31T12:14:44.111+01:00Growth Hacking Techniques to Grow Your Small Business<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEi9D-QsE2WXAyJ8NAy511mK2XhY5lc2QcUX2-7tdVbvYN1VUd-44RCem_195bvs067HlRi9gHTmqkxzlUq4tQul9-k8pyTCxWXCtEQfUqHJH_DJpTLYpincGflmAH5iHSwP0ox_cvSLYvphJRvUlDE0pHzpG2td03X5ARf8b5zXGgT3UeEiDIWozNJ_7w=s390" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="258" data-original-width="390" height="424" src="https://blogger.googleusercontent.com/img/a/AVvXsEi9D-QsE2WXAyJ8NAy511mK2XhY5lc2QcUX2-7tdVbvYN1VUd-44RCem_195bvs067HlRi9gHTmqkxzlUq4tQul9-k8pyTCxWXCtEQfUqHJH_DJpTLYpincGflmAH5iHSwP0ox_cvSLYvphJRvUlDE0pHzpG2td03X5ARf8b5zXGgT3UeEiDIWozNJ_7w=w640-h424" width="640" /></a></div><br /><div class="separator" style="clear: both; text-align: left;">When you run a small business, it’s so easy to become preoccupied with the day-to-day running of your business that it gets hard to create time, money, strategies, or resources for business growth </div><p>If a business is going to survive, growth is very critical especially for the long-term. Without growth, customer churn will slowly eat away at your customer base and this will lead to gradually eating away your company’s revenue. </p><p>How then can you grow your business without making a major cash investment of cash or increase your staff strength? Leveraging on growth hacking techniques is the way to go. Growth hacking means rapidly experimenting with different marketing tactics and efforts, to quickly convert leads and generate sales. It is an effective approach to grow your small business in a short time without major capital investments. </p><p>We have listed some growth hacking techniques to grow your small business.</p><p><b>Content marketing.</b></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEgZ4QBMawPI4rZDXILwMTTcnal9eVdWhCmPXUqQSqgF0UpSVG_uo_BaVuQybsqZxU2j3vsxm2fZW9tMIJaiYcpNiynX1i6W97MP16HHOFt8qud3LwTEhQG7kvxHIq8cph-WV-oifY_OSc4jXx4tEotT_WZ92eTTcfQgT_kgZyDDbrTGjbR752W9wM_MPQ=s1520" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="800" data-original-width="1520" height="336" src="https://blogger.googleusercontent.com/img/a/AVvXsEgZ4QBMawPI4rZDXILwMTTcnal9eVdWhCmPXUqQSqgF0UpSVG_uo_BaVuQybsqZxU2j3vsxm2fZW9tMIJaiYcpNiynX1i6W97MP16HHOFt8qud3LwTEhQG7kvxHIq8cph-WV-oifY_OSc4jXx4tEotT_WZ92eTTcfQgT_kgZyDDbrTGjbR752W9wM_MPQ=w640-h336" width="640" /></a></div><p>Content marketing is one of the most valuable marketing strategies for any business. It is cheaper than traditional marketing and generates three times more leads.</p><p></p><p>Content marketing is a growth hacking technique used to attract, engage, and retain an audience by creating and sharing relevant articles, videos, podcasts, and other media. It establishes expertise, promotes brand awareness, and keeps your business top of mind when it’s time to buy what you sell.</p><p><b>Retargeting.</b></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEiazVZfxUYrFJWpoDemV3KoXOvIFj3AgjGb6K5NemWsCJ54ly6vmn2rsZyZQH6DYXimt5aexDQHuUSSX9EtZ23vFOKmce4bKKTtZQWTaSYm4FsJH86Cntwex1-IsnGqmydDtEyttWZdwWnFi8t2fx5BphfdrM3_AIVZNornlr8cxQIWjs-X09Fr9KPp-g=s700" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="420" data-original-width="700" height="384" src="https://blogger.googleusercontent.com/img/a/AVvXsEiazVZfxUYrFJWpoDemV3KoXOvIFj3AgjGb6K5NemWsCJ54ly6vmn2rsZyZQH6DYXimt5aexDQHuUSSX9EtZ23vFOKmce4bKKTtZQWTaSYm4FsJH86Cntwex1-IsnGqmydDtEyttWZdwWnFi8t2fx5BphfdrM3_AIVZNornlr8cxQIWjs-X09Fr9KPp-g=w640-h384" width="640" /></a></div><p>It's a powerful way to re-engage customers who have previously interacted online with your brand.</p><p></p><p>Not all your potential customers convert on the first visit to your online store. The goal of retargeting is to bring back those that didn’t get to purchasing stage. </p><p>To implement this strategy, you need to create targeted digital ads for users who visit your website or online store without purchasing. </p><p>Retargeting is a valuable online marketing strategy for several reasons. It not only reminds customers of forgotten information; it also boosts return visits to your website</p><p><br /></p><p><b>Offer freebies.</b></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEhvAgGWm42mdjYRu8gjg43ftWBzib1Xq0e9dlo3NZbQv0uwTXwYTKy-eC9v4_uHcmaiE-5QS2KLgnXN9LOMx4JnLamhn93YfF4XFwX_p3l27B93zRMnMqAX7xXRFxApWHsFefzujENgCB5lYmcnXpicsTufS_TFU2yxJdHXM1tJ2pfr5bWhrOSgQ4ja6g=s1200" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="628" data-original-width="1200" height="334" src="https://blogger.googleusercontent.com/img/a/AVvXsEhvAgGWm42mdjYRu8gjg43ftWBzib1Xq0e9dlo3NZbQv0uwTXwYTKy-eC9v4_uHcmaiE-5QS2KLgnXN9LOMx4JnLamhn93YfF4XFwX_p3l27B93zRMnMqAX7xXRFxApWHsFefzujENgCB5lYmcnXpicsTufS_TFU2yxJdHXM1tJ2pfr5bWhrOSgQ4ja6g=w640-h334" width="640" /></a></div><p>People love free things!</p><p></p><p>So go ahead and offer something for free. It might not do much, but it’ll get people in the gate. </p><p>Offering freebies is one of the most effective ways of growing your business. You can offer a free eBook or guide in exchange for the user’s email address.</p><p>Ensure the freebies you are offering are aligned with your marketing strategy.</p><p><b>Feedback.</b></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/a/AVvXsEgdz7SOG4iY-tgjqQe1rIAxHCmvSwDQtjY3LJ6Ou2368FIZpgkR678wNdKBCZa7DC7o5eIDP2oXOeS5z0_5OZM1npWNsGzeF9roKkdhL6QKII4GFCDQGS_BDT5yVnTQkifaMHRPnuPIhRJAgoJmeW5lyzph8nNbOwPoplmUZFRY3APFhTsRK-SuvjRHYw=s1000" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="617" data-original-width="1000" height="394" src="https://blogger.googleusercontent.com/img/a/AVvXsEgdz7SOG4iY-tgjqQe1rIAxHCmvSwDQtjY3LJ6Ou2368FIZpgkR678wNdKBCZa7DC7o5eIDP2oXOeS5z0_5OZM1npWNsGzeF9roKkdhL6QKII4GFCDQGS_BDT5yVnTQkifaMHRPnuPIhRJAgoJmeW5lyzph8nNbOwPoplmUZFRY3APFhTsRK-SuvjRHYw=w640-h394" width="640" /></a></div><p>Every business should encourage and welcome feedback. This is a growth hack that allows you access your business performance and identify areas for improvement by asking your customers for feedback. You can create a brief survey and share it with your customers via email and on social media. An improved customer service or user experience can have a significantly positive impact on your bottom line!</p><p></p><p><br /></p><p>Growth hacking is all about finding new ways to grow your business and bring in more consumers. It is a completely ethical and efficient practice. As a small business you don’t need to spend a lot of money. Instead try innovative ideas to make growth-hacking for your business simple and easy and watch your business flourish!</p><div><br /></div>UBA Grouphttp://www.blogger.com/profile/06995167439144713087noreply@blogger.com0tag:blogger.com,1999:blog-1527211876436873613.post-58415358795877925822021-09-19T14:00:00.036+01:002021-09-21T13:53:40.902+01:00#BusinessUnusualWithUBA: Customer Experience for Small Businesses<p><br /></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgw2sA7fy2S6U7dN4JFVQC1vGsptwnJBaE0ZhCVqnCIyjDfR2VJ3sQMzYFSuOPBnGEv-tErp4rel3f_qlzFFxOaNg9BZhdBR8ubMpcf1HdeexuFrZIApfFDrpC4VOTbVpC6r-gJL0dyqLCD/s1080/Business+Tips+With+Michelle.png" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1080" data-original-width="1080" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgw2sA7fy2S6U7dN4JFVQC1vGsptwnJBaE0ZhCVqnCIyjDfR2VJ3sQMzYFSuOPBnGEv-tErp4rel3f_qlzFFxOaNg9BZhdBR8ubMpcf1HdeexuFrZIApfFDrpC4VOTbVpC6r-gJL0dyqLCD/w640-h640/Business+Tips+With+Michelle.png" width="640" /></a></div><br /><p>Building a loyal customer base can be seamless if you give your customers a great experience. Whatever your business is, it is important for you to build a great relationship with your customers.</p><p>When you invest in building a great customer experience, your business stands to earn more sales, retain more customers, and create stronger relationships. All these will push your business forward in today’s competitive market.</p><p>We sit with Michelle Nwoga; Group Chief Experience Officer as she shares tips on customer Experience for Small Business.</p><p><b>1. Why Is a Great Customer Experience Important?</b></p><p> It builds trust. When your business gives exceptional customer service your company is building trust with that customer and is focused on strengthening the relationship and building loyalty. Every touch point offers you a unique opportunity to offer excellent customer experience and customers appreciate that. They must believe you will go out of your way to serve and solution for them.</p><p><br /></p><p><b>2. How does small business have an edge over established organizations?</b></p><p>Small businesses have an opportunity to start with the customer in mind, unlike big corporations who are plagued with legacy issues and find it difficult to revamp or even overhaul their systems, process or people policies. They are only just realizing that every decision must start with putting their customer first. So small businesses have the unique opportunity to incorporate customer experience management as a key focus and driver of their business strategy. This way, they ensure that the right technology, solutions, products, data etc. is in place to serve their customers excellently.</p><p><b><br /></b></p><p><b>3. What is an important thing for small business to pay attention to?</b></p><p>Data, data, data, this is key at the early stages. They have to consciously design their data management strategy, set up a customer insight and analytics team that will consistently measure, review and understand customer behavior. Insight is invaluable to any business, it tells you who your customers are, what they want and how you can improve your services or products to serve them better. </p><p> Delivering excellent Customer Experience does not happen by accident, it has to be a deliberate focus on the things that matter. </p><p><br /></p><p><b> 4. Is measurement important</b>.</p><p>Yes. Absolutely! </p><p>You have to consistently measure and ensure CX is embedded in every nook and cranny of the organization. I often refer ti the CX team as an octopus, you MUST have your tentacles in every departments business. Have the right measures/KPIs to monitor performance and make sure that you are applying the right solutions for the organization.</p><p> </p><p><b>5. We have seen organizations, over time re-evaluate their strategy to accommodate CX. How can small businesses avoid this?</b></p><p>Be deliberate. Understand who your customers are and what they want, don't be everything to everyone, you spread yourself too thin this way. Start with insight, this will drive your technology people and process decisions. Let your customer through feedback stir the ship, this will guide your strategy and deliver your revenue and growth objectives. </p><div><br /></div>UBA Grouphttp://www.blogger.com/profile/06995167439144713087noreply@blogger.com0tag:blogger.com,1999:blog-1527211876436873613.post-83300763436896641662021-08-10T20:48:00.002+01:002021-08-10T21:01:49.951+01:00#TheGoodLifeWithUBA: The Ultimate Checklist Before Changing Jobs. <p></p><p class="MsoNormal" style="margin-bottom: 0in;"></p><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhEMCfqcPJRVXlZ6b5_OHQXl_Iej8TlkEcJXcIipTe1K2uDPeOrwASSfP9KF8Acj7etD_Qe72MHgXwkUV7jxlMDQVqiA6kS6kSvZ5QqgINzmaHy3igmw5k4w803sC8QOCnpE7RizjfpcJzr/s2048/Cover+%25282%2529.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1365" data-original-width="2048" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhEMCfqcPJRVXlZ6b5_OHQXl_Iej8TlkEcJXcIipTe1K2uDPeOrwASSfP9KF8Acj7etD_Qe72MHgXwkUV7jxlMDQVqiA6kS6kSvZ5QqgINzmaHy3igmw5k4w803sC8QOCnpE7RizjfpcJzr/w640-h426/Cover+%25282%2529.jpg" width="640" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Image: Pexels</td></tr></tbody></table><p class="MsoNormal" style="margin-bottom: 0in;">It is not uncommon to seek a job change once or twice in one’s career journey. This can be challenging, difficult, lonely, and sometimes stressful. However, it is Important be clear about what your options are, what you want to do, and how to get there.</p><p></p><p class="MsoNormal" style="margin-bottom: 0in;">Leaving your job for a new one can be tricky, even if you’re leaving on good terms. The way you handle this makes a difference. It is important that you make the transition as smooth as possible. This will make sure that bridges are not burnt, and will keep the door open in case you ever want to come back.</p><p></p><p class="MsoNormal" style="margin-bottom: 0in;">In this article we are sharing the ultimate checklist before changing jobs. </p><p class="MsoNormal" style="margin-bottom: 0in;">Let’s get started.</p><p class="MsoNormal"><b>Ensure you have
exhausted internal options.<o:p></o:p></b></p><p class="MsoNormal"></p><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjOsPVGsvxHp7UYZS9TjquFACN57atooeRvxefDkPJTl67iGZPJqImOdxaQae3sxWH_smDMUicg424eNSnwpl0NMeA-dLfUeODSzWRGTjQSN6ysP_LKHyxVDulIo10uGfXEZi0i4ywAOIYz/s1958/Internal+Vcancy.jpg" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1767" data-original-width="1958" height="578" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjOsPVGsvxHp7UYZS9TjquFACN57atooeRvxefDkPJTl67iGZPJqImOdxaQae3sxWH_smDMUicg424eNSnwpl0NMeA-dLfUeODSzWRGTjQSN6ysP_LKHyxVDulIo10uGfXEZi0i4ywAOIYz/w640-h578/Internal+Vcancy.jpg" width="640" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Image: Pexels</td></tr></tbody></table><br /><b><br /></b><p></p><p class="MsoNormal" style="margin-bottom: 0in;">Sometimes what you think may be a need for a new environment might just be a need for a new challenge. If you are feeling the need to change jobs, you should try speaking with your company’s HR to find out if there are any roles available which you have the required skills for and can fit into.</p><p class="MsoNormal" style="margin-bottom: 0in;"><br /></p><p class="MsoNormal" style="margin-bottom: 0in;"><b>Write your ideal job description.</b></p><p class="MsoNormal" style="margin-bottom: 0in;"></p><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgUY4HezTPjYhZt18N2_ZJXp7GCQ1Cwxiqoz4nEfP4sat7ghmRIvXUtVc_w0txHZQk0c1AbiI32YGLDuUQCs59-Gt_Qv0ukATS6nYehnSt_C70_RAMuDV_Nl5W3bM_boo2myCoxV9PFeblY/s225/Job+description.jpg" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="225" data-original-width="225" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgUY4HezTPjYhZt18N2_ZJXp7GCQ1Cwxiqoz4nEfP4sat7ghmRIvXUtVc_w0txHZQk0c1AbiI32YGLDuUQCs59-Gt_Qv0ukATS6nYehnSt_C70_RAMuDV_Nl5W3bM_boo2myCoxV9PFeblY/w400-h400/Job+description.jpg" width="400" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Image: Google Images</td></tr></tbody></table><br /><p></p><div class="separator" style="clear: both; text-align: left;"><br /></div>Having exhausted internal options, you are certain you want to move on. You might want to draft out your next job description for your ideal role. This will make your application process easier. <p></p><p class="MsoNormal" style="margin-bottom: 0in;">When putting your job description together ensure you focus on your strengths and areas of interest. </p><p class="MsoNormal" style="margin-bottom: 0in;"><br /></p><p class="MsoNormal" style="margin-bottom: 0in;"><b>Ask for recommendations.</b></p><p class="MsoNormal" style="margin-bottom: 0in;"></p><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg23Zp9XGLjeGYKpXcBa6t-WlgqJaYkQCa3YYDFkA6oDmNMJ4D9iSK6N2fZBl_19tvUwJfe2p4pGwCnVEqbOEh7HonUg3Nj0w4WU1n5ACbirc1vQi9jwQ0LHHflNb2dl2YgOXO6NT9xGlr3/s2048/Recommendation.jpg" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1365" data-original-width="2048" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg23Zp9XGLjeGYKpXcBa6t-WlgqJaYkQCa3YYDFkA6oDmNMJ4D9iSK6N2fZBl_19tvUwJfe2p4pGwCnVEqbOEh7HonUg3Nj0w4WU1n5ACbirc1vQi9jwQ0LHHflNb2dl2YgOXO6NT9xGlr3/w640-h426/Recommendation.jpg" width="640" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Image: Pexels.</td></tr></tbody></table>Recommendations are important! <p></p><p class="MsoNormal" style="margin-bottom: 0in;">Before you decide you want to quit, you want to start racking up those recommendations, especially on LinkedIn. Ask people who know your work and also know what you are capable of doing. When asking for recommendations, remember to personalize your message to get the best responses. Try not to get all your recommendations at the same time. Rather, space out your requests so that they don’t seem staged. </p><p class="MsoNormal" style="margin-bottom: 0in;"> <b>Create a schedule.</b></p><p class="MsoNormal" style="margin-bottom: 0in;"></p><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj68aElavOwaiw3Ccd0jr1eOGd0jUH_4QsWt3esEMkkUHup9aOoJvDuHv9vJYoE6v9KEsFjak17t_OxFY5yLlxCzVZlgUhlthXPSKsuZTYbEFsNgy_QisWQGB0SV1ofMgnB-_mq0-EzjxOl/s2048/Schedule.jpg" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1575" data-original-width="2048" height="492" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj68aElavOwaiw3Ccd0jr1eOGd0jUH_4QsWt3esEMkkUHup9aOoJvDuHv9vJYoE6v9KEsFjak17t_OxFY5yLlxCzVZlgUhlthXPSKsuZTYbEFsNgy_QisWQGB0SV1ofMgnB-_mq0-EzjxOl/w640-h492/Schedule.jpg" width="640" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Image: Pexels.<br /><br /></td></tr></tbody></table>Categorize your job search into realistic phases - research, selection, application, and interview preparation. Make sure the timeline is realistic else you will be overwhelmed before you begin. Also ensure that all you need for each stage is ready. For instance, your CV has to be updated before you start applying. <p></p><p class="MsoNormal" style="margin-bottom: 0in;">Stick to your schedule to help you stay on track.</p><p class="MsoNormal" style="margin-bottom: 0in;"><b>Understand the job, the company values and company culture.</b></p><p class="MsoNormal" style="margin-bottom: 0in;"></p><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><img border="0" data-original-height="1365" data-original-width="2048" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh03f2OfUoIHx8bk9JXAz_wbmsQRbfjKtwXE2fORDiXr-gPZcyO_Yb3lh7gEucgPfAKgV9AnHddmyB6vGiIfrie1EnVjYt2dn5tSXK_XWAzQjCclcwvgjw_0juH0sxzj3pdAER-_A8llmo9/w640-h426/Company+Values.jpg" style="margin-left: auto; margin-right: auto;" width="640" /></td></tr><tr><td class="tr-caption" style="text-align: center;">Image: Pexels<br /><br /></td></tr></tbody></table>You’ve gone through the process and it is time to make a decision.<p></p><p class="MsoNormal" style="margin-bottom: 0in;">To ensure that you are making the best decision, do some more research on the new company. Find out more details of the job and the company in general. Understand the company values and ensure they align with yours. Consider if the company has the capability to grow and expand its market base and if it is one that is built to last. Finally, compare the culture of your current place and the one of your potential new job. This is an especially important factor.</p><p class="MsoNormal" style="margin-bottom: 0in;"><br /></p><p class="MsoNormal" style="margin-bottom: 0in;"><b>Personal growth.</b></p><p class="MsoNormal" style="margin-bottom: 0in;"></p><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg3XQlj_gmMHV8VpS3aDQDFGqig61ywyTRs_PmGIlwqp1zAj6K9AzOj3BgLewqVjtw9no79lIoWP5IWr5-kjxDGPHeFEBgfcVyr4Gq_L5umJiH4qvO7I4iMezBnbg7IRh68HLXmmiTZ_03N/s2000/personal+Growth.png" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1125" data-original-width="2000" height="360" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg3XQlj_gmMHV8VpS3aDQDFGqig61ywyTRs_PmGIlwqp1zAj6K9AzOj3BgLewqVjtw9no79lIoWP5IWr5-kjxDGPHeFEBgfcVyr4Gq_L5umJiH4qvO7I4iMezBnbg7IRh68HLXmmiTZ_03N/w640-h360/personal+Growth.png" width="640" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Images: Google Images</td></tr></tbody></table><br /><b><br /></b><p></p><p class="MsoNormal" style="margin-bottom: 0in;">Personal growth is very important in self-development. Irrespective of the reasons causing you to leave your current job be sure to confirm that your potential new job is offering you, if not the same, more growth and advancement opportunity. </p><p class="MsoNormal" style="margin-bottom: 0in;">You don’t want to regret leaving your old job for a new one that doesn’t allow for personal growth.</p><div><br /></div>UBA Grouphttp://www.blogger.com/profile/06995167439144713087noreply@blogger.com0tag:blogger.com,1999:blog-1527211876436873613.post-48784995608279287592021-08-06T13:38:00.003+01:002021-08-06T13:38:35.408+01:003 Reasons Why You Should Save Money<p></p><p class="MsoNormal" style="background: white; line-height: normal; margin-bottom: .0001pt; margin-bottom: 0in; vertical-align: top;"></p><p class="MsoNormal" style="background-attachment: initial; background-clip: initial; background-image: initial; background-origin: initial; background-position: initial; background-repeat: initial; background-size: initial; line-height: normal; margin-bottom: 0.0001pt; text-align: justify; vertical-align: top;"></p><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;"><o:p> </o:p></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;"><o:p><br /></o:p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgCMrd_lGaYH-gkpzVwLzeGIoC3HUV8Axdqp7DP9lmvMnfL1hONZ6HlSa5su-aIb01bIccInBLrm4fwltnQu0A30XM91WfcWWfAm-CoW1vq2KI2r6dCwAbKd-fpli9NDaH-oMJSCw8OdIYC/s626/balance+%25282%2529.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="563" data-original-width="626" height="576" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgCMrd_lGaYH-gkpzVwLzeGIoC3HUV8Axdqp7DP9lmvMnfL1hONZ6HlSa5su-aIb01bIccInBLrm4fwltnQu0A30XM91WfcWWfAm-CoW1vq2KI2r6dCwAbKd-fpli9NDaH-oMJSCw8OdIYC/w640-h576/balance+%25282%2529.png" width="640" /></a></div><br /><p></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;">Learning how
to save money is an important life lesson. It is by far the most important
first step where personal finance is concerned. You are pushing yourself to
change your financial habits for better. Though not an easy habit to maintain
the advantages of saying outweigh the disadvantages. Are there any
disadvantages to begin with?!<o:p></o:p></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;">Here are 3
additional benefits on why you should save more money.<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p><b>1.
Emergencies</b></p><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;"><o:p></o:p></p><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;"><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjnnVjKh8MnpToiuVgwCyXp4uyqe44EQcBn8jWKLYQI0SP-XJBnvuO6_AfkgPIric4j3OrUoLRumgKrwCrKm3uZF_y4v1caNZGGfkgO06XuwHxRugoCo1hzT0WoE4X9-JBYv7uxnSDSJBCk/s1360/Emergency.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="910" data-original-width="1360" height="428" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjnnVjKh8MnpToiuVgwCyXp4uyqe44EQcBn8jWKLYQI0SP-XJBnvuO6_AfkgPIric4j3OrUoLRumgKrwCrKm3uZF_y4v1caNZGGfkgO06XuwHxRugoCo1hzT0WoE4X9-JBYv7uxnSDSJBCk/w640-h428/Emergency.jpg" width="640" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Image: Google Images</td></tr></tbody></table><br /><b><br /></b></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;">One of the
best reasons to save money is to make sure you’re covered in the event of a
financial emergency. It is arguably the most important reason to save money.<o:p></o:p></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;">We never
know when a financial emergency can spring up to cause chaos. This is why you
need an emergency funds because they are lifesavers!! <o:p></o:p></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;">It takes
perseverance, to build up an emergency fund. It also takes discipline to only
use for true emergencies.<o:p></o:p></p>
<p class="MsoNormal"><o:p> </o:p></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;"><b>2. For bad
times</b><o:p></o:p></p><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;"><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi55_LdNOqFDi6kx73do-kEXO84j9CKBBBiwxtjRvJppjIBXCDrA_pv4c4_ubP0eK4k-tvRxn-U_Kvt-dIymkNL4Irgx9vGBedD-ncy389YvsgKU7wvMirB1V-MnmPwLvgFjfsaRBWrBx3r/s626/balance+%25281%2529.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="563" data-original-width="626" height="576" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi55_LdNOqFDi6kx73do-kEXO84j9CKBBBiwxtjRvJppjIBXCDrA_pv4c4_ubP0eK4k-tvRxn-U_Kvt-dIymkNL4Irgx9vGBedD-ncy389YvsgKU7wvMirB1V-MnmPwLvgFjfsaRBWrBx3r/w640-h576/balance+%25281%2529.png" width="640" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Image: Google Images</td></tr></tbody></table><br /></p><div class="separator" style="clear: both; text-align: left;"><br /></div><b><br /></b><p></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;">We know you
are thinking if this is the same as emergency funds. No, they aren’t.<o:p></o:p></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;">While
emergency savings are meant to help you fix short term immediate problems,
saving for bad times takes you through more serious events in your life. <o:p></o:p></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;">Loss of job
or a life threatening health condition are scenarios that could see your income
severely reduced or completely cut off.<o:p></o:p></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;">You want to
have have a sizeable amount in saving to keep you till you get back on your
feet.<o:p></o:p></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;"><o:p> </o:p></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;"><b>3. Avoiding
debt</b><o:p></o:p></p><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;"><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi3klrObzBbS4gy3-3cSPD1ArG9wGnAMVIkWU0J9_JmtEPfuEWUr6itLoKwUmz9gCzJIaQddop1zDfNTWakSRJ5v2cF5bPbvFi_RZqdxOiv-yGEDx5w2FaBw5t76spBRcxjp5G2O-K0qB5g/s328/Debt.png" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="219" data-original-width="328" height="428" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi3klrObzBbS4gy3-3cSPD1ArG9wGnAMVIkWU0J9_JmtEPfuEWUr6itLoKwUmz9gCzJIaQddop1zDfNTWakSRJ5v2cF5bPbvFi_RZqdxOiv-yGEDx5w2FaBw5t76spBRcxjp5G2O-K0qB5g/w640-h428/Debt.png" width="640" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Image: Pexels</td></tr></tbody></table><br /><b><br /></b></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;">Another
important reason why you should save is to make sure you avoid debt.<o:p></o:p></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;">Save money
is to make sure you’re only spending on what you can afford. While interest
rates can seem small and appealing, you don’t want to find yourself in a pool
of debt. <o:p></o:p></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;">Saving money
helps to make sure that you always have money for what you need.<o:p></o:p></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;"><o:p> </o:p></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;"><b>4. Reduce stress</b><o:p></o:p></p><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiy3ISb_iZQwB_zYw5mM1Tbq95oqqgoZvYvGvranDCz0veT1869aIbZXGMBdYpSshnEk8naTnQI55L5ROUZLGSKJSRwL4Pf26f0bXIYhbxsqsPNANKuGIMjnvW7CELQpg6m6QhoV51m-t2U/s1300/Stress+free.jpeg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" data-original-height="1300" data-original-width="867" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiy3ISb_iZQwB_zYw5mM1Tbq95oqqgoZvYvGvranDCz0veT1869aIbZXGMBdYpSshnEk8naTnQI55L5ROUZLGSKJSRwL4Pf26f0bXIYhbxsqsPNANKuGIMjnvW7CELQpg6m6QhoV51m-t2U/w426-h640/Stress+free.jpeg" width="426" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Image: Pexels</td></tr></tbody></table><br /><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;">Another
reason for saving money is to reduce stress.</p><p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;"><o:p></o:p></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;">Knowing that
you can manage your bills when they come or handle emergencies when they pop up
gives you peace of mind and generally eliminates financial stress for you.<o:p></o:p></p>
<p class="MsoNormal" style="margin-bottom: .0001pt; margin-bottom: 0in;"><o:p> </o:p></p>
<p class="MsoNormal"><o:p> </o:p></p><br /><p></p><p></p><p></p>UBA Grouphttp://www.blogger.com/profile/06995167439144713087noreply@blogger.com0tag:blogger.com,1999:blog-1527211876436873613.post-74684732136812541642021-08-02T19:18:00.002+01:002021-08-05T12:05:15.285+01:00#TheGoodLifeWithUBA: Destination Beaches in Africa<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgWF1bLoOqI55pBo1mfb-SzCkcpFb9vk5r_QO8jiBrTb_PzzBzk7kdQK81TmwTJh32n_5DMhIVfxJnbOhvZx7x-ealgfaDf9TAAAr9T9z2rehyVpz4kpMu2QlN2jRZpMoOfiJdkW99Az6x8/s1132/Cover.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="747" data-original-width="1132" height="422" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgWF1bLoOqI55pBo1mfb-SzCkcpFb9vk5r_QO8jiBrTb_PzzBzk7kdQK81TmwTJh32n_5DMhIVfxJnbOhvZx7x-ealgfaDf9TAAAr9T9z2rehyVpz4kpMu2QlN2jRZpMoOfiJdkW99Az6x8/w640-h422/Cover.jpg" width="640" /></a></div><br /><p>One thing you can’t deny about the African continent is the amount of hidden treasures she possesses. But these treasures won’t stay hidden for so long! Amongst other things, Africa is home to so many beautiful beaches and it’s so hard to pick a favorite. </p><p>From White sands in Kenya to crystal clear waters in Tanzania, each beach comes with an experience of its own. </p><p>If you are looking to tick off your bucket-list this summer, here are a few of Africa’s best beaches!</p><div><b>1.<span style="white-space: pre;"> </span>Mnemba Island, Tanzania</b></div><p><b></b></p><div class="separator" style="clear: both; text-align: center;"><b><img border="0" data-original-height="720" data-original-width="1280" height="360" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhrWbo9NpG_1xJMFY8yu7vujQhhVHxI5W_DIR-PrDio4Wqi13VFxseXqGF4WmrpKtrW34GOS_k2xk4Jj91jcmBEyNBjtAtFlwD1PkPYe0TdfNWxqTwrjYQ_xPqsDypHalYF_Rg0Yz2TqPlF/w640-h360/Mnemba+Island.jpg" width="640" /></b></div><b><br /></b><p></p><p>Mnemba Island is a single small island located about 3 km off the northeast coast of Unguja, the largest island of the Zanzibar Archipelago, Tanzania. </p><p>It is a popular scuba diving site, with a wide variety of corals and associated species, as well as occasional sightings of larger species such as turtles and dolphins. Mnemba is renowned as one of the most romantic ocean destinations in the world, </p><p><br /></p><p><b>2.<span style="white-space: pre;"> </span>Bom Bom Island, Príncipe, Sao Tome.</b></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEimFvcWeFYlHLoqGajOi4nPng8dgyEmGn7AwedfKej7qR1xkRxLktlPIOYrwPpCSZgu6j_dnuv_rd6ETK4Nr0vKbUyxfljCuju0b9dg0eNq4_Vnz8DYuj2R_Dt-LW8cztvVoSC3pgjAcphh/s1098/Bom+Bom+Island.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="732" data-original-width="1098" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEimFvcWeFYlHLoqGajOi4nPng8dgyEmGn7AwedfKej7qR1xkRxLktlPIOYrwPpCSZgu6j_dnuv_rd6ETK4Nr0vKbUyxfljCuju0b9dg0eNq4_Vnz8DYuj2R_Dt-LW8cztvVoSC3pgjAcphh/w640-h426/Bom+Bom+Island.jpg" width="640" /></a></div><p>Bom Bom is a tiny islet off the north coast of Príncipe. This magical island is almost completely forested. However, there’s a tourist resort near the island. </p><p></p><p>If you are looking for a magical paradise, the exotic aroma of tropical fruits and flowers are sure to engulf you.</p><p><b>3.<span style="white-space: pre;"> </span>Quirimbas Archipelago, Mozambique</b></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh2PRDLj3Jqs1qvoUOq6mMzaQ_Tws0j1UTt3up5RUwrkSjK6v3tZDw9MDAbg4vUvd8pkLgioSef87K33m2hVYCDNOqnOQlxPklaDdnWBll0VRS00Jv4B-ucJTePr3mpS4u71MlSf6mawEOd/s1920/Quirimbas+Archipelago%252C+Mozambique.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="864" data-original-width="1920" height="288" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh2PRDLj3Jqs1qvoUOq6mMzaQ_Tws0j1UTt3up5RUwrkSjK6v3tZDw9MDAbg4vUvd8pkLgioSef87K33m2hVYCDNOqnOQlxPklaDdnWBll0VRS00Jv4B-ucJTePr3mpS4u71MlSf6mawEOd/w640-h288/Quirimbas+Archipelago%252C+Mozambique.jpg" width="640" /></a></div><p>The Quirimbas Archipelago consists of 32 islands off the northern coast of Mozambique, stretching up to the border with Tanzania. The reef islands are strung together by sand bars and mangrove swamps. </p><p></p><p>One of the most sought-after seaside hideouts on the continent, the Quirimbas Archipelago is made up of unspoilt powder-white beaches, palm trees, and turquoise waters and each one of the islands has a story to tell.</p><p><br /></p><p><b>4.<span style="white-space: pre;"> </span>Anse Source D'Argent, Seychelles</b></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhP7ikC8_6Wad5bvQ-GNKzLq9V89O2ydic5a7Cf1NlU6y6FLkDbPnOBhUyCad-dPZkZHL4u1KxAlMVZcIfJx-joeS4_iQ2pAgqJaMgGnWh2xXHEYZM8TdwFIp6TqP6xHWx8B16_3a8Te8dC/s612/Seychelles+source.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="408" data-original-width="612" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhP7ikC8_6Wad5bvQ-GNKzLq9V89O2ydic5a7Cf1NlU6y6FLkDbPnOBhUyCad-dPZkZHL4u1KxAlMVZcIfJx-joeS4_iQ2pAgqJaMgGnWh2xXHEYZM8TdwFIp6TqP6xHWx8B16_3a8Te8dC/w640-h426/Seychelles+source.jpg" width="640" /></a></div><p>If you are thinking clear water, golden sand, and imposing granite formations, the Anse Source d’Argen is for you!</p><p></p><p>The absolutely breath-taking scenery makes it one of the most picturesque beaches anywhere in the world.</p><p><br /></p><p><b>5.<span style="white-space: pre;"> </span>Likoma Island, Malawi</b></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjb3-XbODPaTjI-ZYGPj-V1HT3UE9Lz9Qo_OAlR3qJvJcqsd6ujs33A0LUduA_fQnQPtJ6aVRNj0JDpwd0zXUJEdiNjidwlz5-phNpZ-m0q0S17k_PGOspMs7PJinHl_0OmIrdys0KsFfyx/s1500/Likoma+Island.jpg" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1000" data-original-width="1500" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjb3-XbODPaTjI-ZYGPj-V1HT3UE9Lz9Qo_OAlR3qJvJcqsd6ujs33A0LUduA_fQnQPtJ6aVRNj0JDpwd0zXUJEdiNjidwlz5-phNpZ-m0q0S17k_PGOspMs7PJinHl_0OmIrdys0KsFfyx/w640-h426/Likoma+Island.jpg" width="640" /></a></div><br /><div class="separator" style="clear: both; text-align: left;">Likoma Island is one out of two islands in Lake Malawi. The larger of the two islands, it lies within Mozambican waters but is territorially part of Malawi. On the white sandy beaches of Likoma Island you will find untouched wilderness. Be sure to visit the cathedral if you ever visit!</div><p></p><div><br /></div>UBA Grouphttp://www.blogger.com/profile/06995167439144713087noreply@blogger.com0tag:blogger.com,1999:blog-1527211876436873613.post-2336958090103656392021-07-20T18:58:00.000+01:002021-08-03T20:03:35.234+01:00#TheGoodLifeWithUBA: 5 Self-Improvement Books to Read this Summer.<p><br /></p><p>“Whenever you read a good book, somewhere in the world a door opens to allow in more light.”—Vera Nazarian</p><p>Self-improvement books are effective at helping us learn new life skills, like assertiveness, problem-solving and even tidiness. Whether you are stuck in life and things are not going your way or you just want to change yourself for better, we’ve put together some of our favorite self-improvement books that can help you.</p><p><b>1.<span style="white-space: pre;"> </span>Whatcha Gonna Do with That Duck? by Seth Godin</b></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLzkahOSi1KqcMuKvmc-YWDBniXmGKX2kzqhzVPQEQ54QJJqKQYvj3ggyeA9zEetuUg5zQMZhJhbXtQM_t_XQT06UvyklkzKtO2nQJUx5bLuW2yaC47-HamDPWMmkdTepySqOv6BundxfS/s2048/Whatcha+Gonna+Do+with+That+Duck+by+Seth+Godin.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="2048" data-original-width="1347" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjLzkahOSi1KqcMuKvmc-YWDBniXmGKX2kzqhzVPQEQ54QJJqKQYvj3ggyeA9zEetuUg5zQMZhJhbXtQM_t_XQT06UvyklkzKtO2nQJUx5bLuW2yaC47-HamDPWMmkdTepySqOv6BundxfS/w420-h640/Whatcha+Gonna+Do+with+That+Duck+by+Seth+Godin.jpg" width="420" /></a></div><br /><p>This book by Seth Godin is a masterpiece that targets an endless array of areas in which you can, and ultimately should, improve. It makes you ponder the difficult questions you wouldn’t ever dare to ask yourself, giving you results from a completely new perspective.</p><p><b>2.<span style="white-space: pre;"> </span>Eat That Frog! by Brian Tracy.</b></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjqj11dTTCDdwLszDhKUk-dm4_qK1QbyRy2bGT_5UKE1BPSJxxvZeDC3XFN_4yRYQB8cPadB5ZSsMYAAuJsNrfOVbfT2xf3l2wIaQbbr7H-4gZ6pgI4J9Uhpr248P0iHj3kRLuZXSumA7XM/s1069/Eat+That+Frog%2521+by+Brian+Tracy..jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1069" data-original-width="800" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjqj11dTTCDdwLszDhKUk-dm4_qK1QbyRy2bGT_5UKE1BPSJxxvZeDC3XFN_4yRYQB8cPadB5ZSsMYAAuJsNrfOVbfT2xf3l2wIaQbbr7H-4gZ6pgI4J9Uhpr248P0iHj3kRLuZXSumA7XM/w478-h640/Eat+That+Frog%2521+by+Brian+Tracy..jpg" width="478" /></a></div><br /><p>Eat That Frog! by Brian Tracy is definitely a fave. It is a book that helps you to break the spell of procrastination before it paralyzes you.</p><p>Brain Tracy helps you focus on how to set your priorities straight, deconstruct larger tasks into smaller ones and learn when to tackle the big frog first or to start out with something else.</p><p><br /></p><p><b>3.<span style="white-space: pre;"> </span>How to Win Friends & Influence People by Dale Carnegie</b></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhOWwNfB1HN33AnH_iznb7hkfNLBUPMAnXIPX_nKp7bUK9cKG0nWnqzipMbPeg-xqlTAKPlVTIwct9geYyeFE_C7_RhYunpQk4KoZYhPVp-ZfnZjzX1JvX1chBdqnvsk0SRZF-tn0i_GdFz/s2048/How+to+Win+Friends+%2526+Influence+People+by+Dale+Carnegie.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="2048" data-original-width="1319" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhOWwNfB1HN33AnH_iznb7hkfNLBUPMAnXIPX_nKp7bUK9cKG0nWnqzipMbPeg-xqlTAKPlVTIwct9geYyeFE_C7_RhYunpQk4KoZYhPVp-ZfnZjzX1JvX1chBdqnvsk0SRZF-tn0i_GdFz/w412-h640/How+to+Win+Friends+%2526+Influence+People+by+Dale+Carnegie.jpg" width="412" /></a></div><br /><p>A forever classic, this book is probably one of the oldest in this category.</p><p>It shows that it doesn’t matter what your line of work is or what you want to achieve. If you are doing business of any kind, you need to make it about the other person.</p><p>This book teaches you how important it is to learn to take a small effort to make a person’s day that it leaves a lasting impression. It is definitely a must read.</p><p><b>4.<span style="white-space: pre;"> </span>Thinking Fast and Slow</b></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhKgXI6liFlSK68xCgTgn4ELjLyk1ToFoAa2HkwY_y-Qyx68YJXbKDpjMyONBq-BQCigBcVGc3zs7LdLRzfjN0ai6dAN7gFCLaNa4ILt0YgFmAUfMs8s0-f2U5voQgYEaYjbokekG2JrkEd/s472/Thinking+Fast+and+Slow.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="472" data-original-width="318" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhKgXI6liFlSK68xCgTgn4ELjLyk1ToFoAa2HkwY_y-Qyx68YJXbKDpjMyONBq-BQCigBcVGc3zs7LdLRzfjN0ai6dAN7gFCLaNa4ILt0YgFmAUfMs8s0-f2U5voQgYEaYjbokekG2JrkEd/w432-h640/Thinking+Fast+and+Slow.jpg" width="432" /></a></div><br /><p> Thinking Fast and Slow by Daniel breaks down our thinking into two systems and then highlights how both of these systems influence our decision-making. The simple writing style makes this book a good read. So whether you are making smaller decisions or big ones, this book will surely help.</p><p><b>5.<span style="white-space: pre;"> </span>The Power of Habit: Why We Do What We Do in Life and Business</b></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjl-_y6HCI2XcJwJyYpyqmAO8L5aLzUoNmSukqqud5nJjnU7hN7OEj9eRq4-hojFpe5s6VMUcey4gCfBOwdIs4QggBMCve3UiMbq8KDch_qflc5iSFrSglAa2usQ2vGLQ4QMxHpzHbItH2H/s500/The+Power+of+Habit+Why+We+Do+What+We+Do+in+Life+and+Business.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="500" data-original-width="324" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjl-_y6HCI2XcJwJyYpyqmAO8L5aLzUoNmSukqqud5nJjnU7hN7OEj9eRq4-hojFpe5s6VMUcey4gCfBOwdIs4QggBMCve3UiMbq8KDch_qflc5iSFrSglAa2usQ2vGLQ4QMxHpzHbItH2H/w414-h640/The+Power+of+Habit+Why+We+Do+What+We+Do+in+Life+and+Business.jpg" width="414" /></a></div><br /><p>This book provides a detailed account of habits by analyzing how habits are formed and important elements involved in it. </p><p>It also enlightens you on how these habits can affect every aspect of your life and create a domino effect. If you are struggling to overcome some habits and create new ones, then this book is for you.</p><p>There are many other self-help books out there but these are a few of our favorite ones. </p><p>Which is your favorite self-improvement book that has changed your life? Feel free to share it with us in the comments section below.</p><p><br /></p>UBA Grouphttp://www.blogger.com/profile/06995167439144713087noreply@blogger.com0tag:blogger.com,1999:blog-1527211876436873613.post-59534616271567327792021-07-14T19:40:00.000+01:002021-08-03T19:42:44.634+01:00#TheGoodLifeWithUBA: How To Live the Good Life<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgbDKU0XhO1CARngm2ss5sqafbeai-3Tk0HRViZgvkMNIaKb35xHKGUm_RYOokieyM4RsW2hHWJeZz5eJbUN46CgxuWhP-2vckpylrRaTFkRVXkNLqDlGnfr8x4QTXiktN7ss_8XOVWyDq4/s1880/image+%25285%2529.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1253" data-original-width="1880" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgbDKU0XhO1CARngm2ss5sqafbeai-3Tk0HRViZgvkMNIaKb35xHKGUm_RYOokieyM4RsW2hHWJeZz5eJbUN46CgxuWhP-2vckpylrRaTFkRVXkNLqDlGnfr8x4QTXiktN7ss_8XOVWyDq4/w640-h426/image+%25285%2529.png" width="640" /></a></div><br /><p>Life can be a beautiful journey, a crazy ride, and a big adventure. </p><p>In each moment, it is important to embrace the side of life that makes you happy.</p><p>At UBA, we are all about the good life. Here are a few tips on how to live your best life.</p><p><br /></p><p><b>1. Stop worrying about things that you can’t Control</b></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgRfB8JTV3ChzW1Q8mbfcUN6OUhfarQ19AT0_SYpluuFiAY_0A6YxiLxBEX0DJbYELcfG7-QBL7U0v7J8xlbFQESNvyTND6cypQQgQEOYwoRIGPv5ZUukixgfhAhCaP7jsTZgy8cGu6YoaX/s1500/image.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1500" data-original-width="1000" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgRfB8JTV3ChzW1Q8mbfcUN6OUhfarQ19AT0_SYpluuFiAY_0A6YxiLxBEX0DJbYELcfG7-QBL7U0v7J8xlbFQESNvyTND6cypQQgQEOYwoRIGPv5ZUukixgfhAhCaP7jsTZgy8cGu6YoaX/w426-h640/image.png" width="426" /></a></div>Worrying about the things you can’t control is like running in an endless circle of uncertainty. You are putting your time and energy into the wrong places. When you put your energy into the things you can control, you'll be much more effective.<p></p><p><br /></p><p><b>2. Start a Gratitude Journal</b></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhR-N9QDRJYFn6Dz2w_Ma3l1dkl7KSO6xx4m_z331yz-XkVdDRJb8zWBiXNGV_mkTHVBmVnxE94VKKfyYsfOxu6b27lZbzrWRGGm9Xiloa3Zae2azs9c8icyAjZqo7GR0F09tHR8Je_SPDO/s1333/image+%25281%2529.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1333" data-original-width="1000" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhR-N9QDRJYFn6Dz2w_Ma3l1dkl7KSO6xx4m_z331yz-XkVdDRJb8zWBiXNGV_mkTHVBmVnxE94VKKfyYsfOxu6b27lZbzrWRGGm9Xiloa3Zae2azs9c8icyAjZqo7GR0F09tHR8Je_SPDO/w480-h640/image+%25281%2529.png" width="480" /></a></div><br /><b><br /></b><p></p><p>A gratitude journal forces you to pay attention to the good things in your life that you might otherwise take for granted. You become more intentional with the things that give you happiness and this can shift your way of life in a profound way.</p><p><b>3. Practice Kindness. </b></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiCXYAj4uxJsH31fV9Ojh9yEP2oHEvuiTvAIT_2kY_m2RlKCCHSCKsXqkEaVDORY_HV9_Jb6YLT34yE_eOGEtF3a7_8BnP3-tCHmllslt6rhmytT6qDMIAuvROSWKlrKxxcuHjhXbWVUSDr/s1500/image+%25282%2529.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1500" data-original-width="1000" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiCXYAj4uxJsH31fV9Ojh9yEP2oHEvuiTvAIT_2kY_m2RlKCCHSCKsXqkEaVDORY_HV9_Jb6YLT34yE_eOGEtF3a7_8BnP3-tCHmllslt6rhmytT6qDMIAuvROSWKlrKxxcuHjhXbWVUSDr/w426-h640/image+%25282%2529.png" width="426" /></a></div><br /><b><br /></b><p></p><p>It’s good for your health?</p><p>When you put yourself in someone else’s shoes, you think about what they are feeling and about how your actions affect others. This makes you more empathetic and positive.</p><p><br /></p><p><b>4. Build solid Friendships.</b></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhBj2wkbTsGNBQxOPqM5t7OjUsLNH35qxUrEwwHgR73p9pOFx-1CgRDO-_n-dNBGw71vuEMER5EO5M50OLqJhBGcMyM60nwufoFdyQLjMHozleSdtgxyNgZ9SStaEcMrUciQxevnXr9rt7s/s626/image+%25283%2529.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="416" data-original-width="626" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhBj2wkbTsGNBQxOPqM5t7OjUsLNH35qxUrEwwHgR73p9pOFx-1CgRDO-_n-dNBGw71vuEMER5EO5M50OLqJhBGcMyM60nwufoFdyQLjMHozleSdtgxyNgZ9SStaEcMrUciQxevnXr9rt7s/w640-h426/image+%25283%2529.png" width="640" /></a></div><br /><p>Friends bring more happiness into our lives and has a huge impact on your mental health. You need solid friendships that will teach you about yourself and challenge you to be better.</p><p><br /></p><p><b>5. Make the Right Money Moves</b></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEivMqcV5_P8iM9R_vnNqc3RMyu9vm09aRXH9W39rtNJYs5k_ojOse6y-JBsM4G8g4UzQD0smmfIxXBpDhVSAsRsQpnI_2DlC5vDfr_WY3iCfMTZDPnn_w9Du6bFcFHw9Yz7SEtzy_8oU9oZ/s1300/image+%25284%2529.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1300" data-original-width="867" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEivMqcV5_P8iM9R_vnNqc3RMyu9vm09aRXH9W39rtNJYs5k_ojOse6y-JBsM4G8g4UzQD0smmfIxXBpDhVSAsRsQpnI_2DlC5vDfr_WY3iCfMTZDPnn_w9Du6bFcFHw9Yz7SEtzy_8oU9oZ/w426-h640/image+%25284%2529.png" width="426" /></a></div><div class="separator" style="clear: both; text-align: center;"><br /></div>Making the right money moves like investing in the right options, having an emergency savings account like the <a href="https://www.ubagroup.com/accounts/" target="_blank">UBA savings account</a> and diversifying your money can help you stay ahead and life the good life.<p></p><p>As much as it sounds like a broken record, you really only live once. You need to be your best to live the good life.</p><div><br /></div>UBA Grouphttp://www.blogger.com/profile/06995167439144713087noreply@blogger.com0tag:blogger.com,1999:blog-1527211876436873613.post-59835434484041079112021-07-13T18:43:00.000+01:002021-07-13T18:43:01.999+01:0020 Years a Lioness! – Celebrating Yetunde Arowosafe.<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhjr00pieV3WNfFdpjiU2_FWVVFwCkZV8clWR52nf_2p78NUzc5xOOpN7P3j0FY_eUO6ky5vKDPvHixiCOYGLs4bCfNJSe1v2b6Psy5BQsOm0s8oO8Iig_D3GdlYp6C-QankwdewIn3cObV/s470/Yetunde+-+UBA+%25281%2529.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="470" data-original-width="344" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhjr00pieV3WNfFdpjiU2_FWVVFwCkZV8clWR52nf_2p78NUzc5xOOpN7P3j0FY_eUO6ky5vKDPvHixiCOYGLs4bCfNJSe1v2b6Psy5BQsOm0s8oO8Iig_D3GdlYp6C-QankwdewIn3cObV/w468-h640/Yetunde+-+UBA+%25281%2529.jpg" width="468" /></a></div><br /><p>It’s not every day you find someone who has dedicated 20 years of their career to one organisation. At UBA Group, we are lucky to have employees whose love for the brand have seen them put in dedicated years in service to our customers. </p><p>In May 2001, one year out of the university, Yetunde Arowosafe, a graduate of Soil Science took up an appointment as a Teller in what she would later term a deviation from her original career plan to be an academician. This mother of two teenage daughters captures her 20 years in UBA as a full-on learning experience and growth platform.</p><p>Yetunde has served in various capacities in the bank including being a Customer Service Manager, Branch Operations Manager to mention a few. In her current role, she leads the Profit Centre Management team at the Nnamdi Azikiwe, Abuja business office. </p><p>A customer-1st Champion, Yetunde’s memories of her time in UBA is filled with the people she has come across through her journey here – from customers to staff. </p><p>Growth for Yetunde has come in different ways; each day with its own opportunity to discover new things. “When I started leading a team, she shared, “I realized I had a passion for people management and this led me to study for a master in Human Resources and employee relations and today I’m also studying for a PhD in Organizational Behaviour. Through all of these, I have managed to find a perfect balance with work, family and studying.”</p><p>When she is not working or studying, Yetunde enjoys reading. She shares her current read as; “Recruiting millennials: Exploring the impact of CSR involvement and pay signalling on organizational attractiveness”. </p><p>To young people navigating the path of work and life, Yetunde says “Find a balance, find a passion, be dedicated and find a job you enjoy and one that would support you all the way.”</p><p>#ThisIsUBA</p>UBA Grouphttp://www.blogger.com/profile/06995167439144713087noreply@blogger.com0tag:blogger.com,1999:blog-1527211876436873613.post-44582031396407619462021-06-25T18:53:00.001+01:002021-06-27T19:23:16.153+01:00Effective Work-Life Balance for Entrepreneurs.<p style="text-align: center;"><br /></p><p><span style="font-size: medium;"></span></p><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: center;"><span style="font-size: medium;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiSebcErwX2Vo7u7OMwxCzpwcpeu-Y2i8Aw4H0BevOlS1HP6bT8mZ-zrY5mb-mtp91iS5EX7rF693tSakpows0h8BRIn9rv_gbIZqG6R_2q9W7DxuvsfCQTLLP7y4yz98vNksXDBfzMGhw8/s750/Work+life+balance.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="750" data-original-width="500" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiSebcErwX2Vo7u7OMwxCzpwcpeu-Y2i8Aw4H0BevOlS1HP6bT8mZ-zrY5mb-mtp91iS5EX7rF693tSakpows0h8BRIn9rv_gbIZqG6R_2q9W7DxuvsfCQTLLP7y4yz98vNksXDBfzMGhw8/w266-h400/Work+life+balance.jpg" width="266" /></a></span></div><span style="font-size: medium;"><br /><div class="separator" style="clear: both; text-align: center;"><br /></div></span></div><span style="font-size: large;">Work-life balance is the level of prioritization</span><span style="font-size: large;"> between the business and personal aspects of your entrepreneurial life.</span><p></p><p><span style="font-size: large;">As an entrepreneur, you already spend so much time planning, researching, marketing, selling, managing staff, managing finances. Yet, you aren’t in the mix. Your personal life is buried. You have no time for you and you keep making excuses to justify it. </span><span style="font-size: large;">Work life balance isn’t easy because the lines are blurred. However, there are tips to help you create your own work-life balance. </span></p><p><span style="font-size: medium;">We've put some together to help you create a work-life balance.</span></p><p><span style="font-size: medium;"><b>Plan.</b></span><span style="font-size: large;"> </span></p><p><span style="font-size: medium;"></span></p><div class="separator" style="clear: both; text-align: center;"><span style="font-size: medium;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgjF47hB8uOEUbVvfUbCR79GC_ZMIze5tZZdJ_rKkJG8ERBteUYZG6VHOzRvqGBk0vNdvCWR9ZNjzVWvU-a1xlmb1_VsXaVJaJDo3FXb18fSG6C8dedWw_L1OYBoYx1vy3fS8WbAdwvRVsQ/s500/Planner.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="375" data-original-width="500" height="480" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgjF47hB8uOEUbVvfUbCR79GC_ZMIze5tZZdJ_rKkJG8ERBteUYZG6VHOzRvqGBk0vNdvCWR9ZNjzVWvU-a1xlmb1_VsXaVJaJDo3FXb18fSG6C8dedWw_L1OYBoYx1vy3fS8WbAdwvRVsQ/w640-h480/Planner.jpg" width="640" /></a></span></div><span style="font-size: medium;"><br /></span><p></p><p><span style="font-size: medium;">Plan your day, week, month, and year related to your business and non-business activities. Your plan must be based on your business and personal goals. However, If you do not firmly plan for personal time, you will never have time to do other things outside of work.</span></p><p><span style="font-size: large;"><b>Manage your time.</b></span></p><p><span style="font-size: medium;"> </span></p><div class="separator" style="clear: both; text-align: center;"><span style="font-size: medium;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg1dxFdinW7Z1YpzJR9-Yy5j3xzR6SLylguvYq3GABHUy3PzVs7QFGe2wVF4lDWZsu_5Ttk507fchgfROHHXbry2i-rIk46KtRXgFQv_iUnhQAIL9txHe5cwCGTn5YPWmuFIKZ2F6IcI7jL/s995/Time.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="750" data-original-width="995" height="482" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg1dxFdinW7Z1YpzJR9-Yy5j3xzR6SLylguvYq3GABHUy3PzVs7QFGe2wVF4lDWZsu_5Ttk507fchgfROHHXbry2i-rIk46KtRXgFQv_iUnhQAIL9txHe5cwCGTn5YPWmuFIKZ2F6IcI7jL/w640-h482/Time.jpg" width="640" /></a></span></div><span style="font-size: medium;"><br /></span><p></p><p><span style="font-size: medium;">Create a calendar of your activities. you can do this by customizing your own Excel spreadsheet or Word table or sync it into your phone’s calendar. Put a date for each activity. Include commitments – such as holidays, birthdays, dates etc. – so you are always on track and available.</span></p><p><span style="font-size: large;"><b>Prioritize your health.</b></span></p><p><span style="font-size: medium;"> </span><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh2EQEsv8wYeSoUokM0NwpS4QRUW6j0zI9Q2IYw1s_lI7J83g0WU5e07-QSB8lJkvxEaU3aGzP5tyGC3bVAHO4s0PjMIrS23caP9W2XhLJdmW3k4N-MvmzWUIldTKR2Ne6iGL3M08pNiYFf/s612/health.jpg" imageanchor="1" style="font-size: large; margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="408" data-original-width="612" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh2EQEsv8wYeSoUokM0NwpS4QRUW6j0zI9Q2IYw1s_lI7J83g0WU5e07-QSB8lJkvxEaU3aGzP5tyGC3bVAHO4s0PjMIrS23caP9W2XhLJdmW3k4N-MvmzWUIldTKR2Ne6iGL3M08pNiYFf/w640-h426/health.jpg" width="640" /></a><span style="font-size: medium;"><br /></span><span style="font-size: large;">Your overall health; physical, emotional and mental health should be a major concern. Don’t wait till it’s too late to get necessary help. Prioritizing your health will make you a better entrepreneur and a better person. Overworking yourself stops you from getting better and makes you less productive.</span></p><p><span style="font-size: large;">Prioritizing your health doesn't have to intense or extreme activities. daily meditation or simple exercises are good.</span></p><p><b style="font-size: large;">Take A vacation or Unplug</b></p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgCeSR9Z99mjdyQ1tgCAZs1bhRsNT9dz06Ok9dl-pi_tVqE_DFBcgBl24Ng4E5hX_gueKr8KMA3RxPrhdfCrfxPha0uOn9RfeOQOuBL0WXpoktrS3m_r7ImjJ3EPxD06MS0PeXBczHZf9PY/s390/Unplug.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="260" data-original-width="390" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgCeSR9Z99mjdyQ1tgCAZs1bhRsNT9dz06Ok9dl-pi_tVqE_DFBcgBl24Ng4E5hX_gueKr8KMA3RxPrhdfCrfxPha0uOn9RfeOQOuBL0WXpoktrS3m_r7ImjJ3EPxD06MS0PeXBczHZf9PY/w640-h426/Unplug.jpeg" width="640" /></a></div><br /><div class="separator" style="clear: both; text-align: left;"><span style="font-size: large;">Taking a vacation or simply unplugging for a day or two allows you to recover from daily or weekly stress, and gives you space for thoughts other than your business and also give way for new ideas to emerge. </span></div><p><span style="font-size: medium;">it's important to take time off to physically and mentally recharge</span></p><p><span style="font-size: large;"><b>Set boundaries and work hours.</b></span></p><p><span style="font-size: large;"></span></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj9SnGIkFgLXBoCMtE86HoB1CgQ9kqLKPEPQ1UdUIehxPPKUW0IaIoKAZTCFENG8vMoUtcejgjUYzT78XwUbHBKN9GVvvULm4O-H_Z2jThSY0VC6qXARJIEcgRQZXv2ojt7EZX62GrWVPmx/s600/boundaries.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="400" data-original-width="600" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj9SnGIkFgLXBoCMtE86HoB1CgQ9kqLKPEPQ1UdUIehxPPKUW0IaIoKAZTCFENG8vMoUtcejgjUYzT78XwUbHBKN9GVvvULm4O-H_Z2jThSY0VC6qXARJIEcgRQZXv2ojt7EZX62GrWVPmx/w640-h426/boundaries.jpg" width="640" /></a></div><span style="font-size: large;"><p><span style="font-size: large;"><br /></span></p>Set boundaries for yourself to avoid burnout. When you are done with the business of the day, avoid thinking about upcoming projects or responding to company emails or calls.</span><p></p><p><span style="font-size: medium;">Ensure that you have a separate computer or phone for work, so you can shut it off when you clock out. </span></p><p><span style="font-size: large;">Work-life balance will mean different things to different people because, we all have different life commitments. However, managing work-life balance is something that can eliminate stress and improve your overall life as an entrepreneur.</span></p><div><br /></div>UBA Grouphttp://www.blogger.com/profile/06995167439144713087noreply@blogger.com0tag:blogger.com,1999:blog-1527211876436873613.post-69185102161481896772021-06-21T13:30:00.030+01:002021-06-23T13:52:21.835+01:00How To Travel Cheap: A Guide<p> </p><div class="separator" style="clear: both; text-align: center;"><img alt="" data-original-height="1253" data-original-width="1880" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiCG-PImIreid4JcuP_WmtOLvgsTNXl-kS4nKFclQMQiDNVqmKg1PKOxqqSvIzg3OlOF75vJMeS4hyphenhyphenh2wAUaYr818tftxt7MTdpbHM2a6v1BmbVBMFMIfs92rm2T3eoH4RdT5RP1T9a5gF3/w640-h426/image.png" width="640" /></div><p></p><p><span style="font-size: medium;">What is the number one thing holding you back from travelling?</span></p><p><span style="font-size: medium;">Let’s take an easy guess. Money!</span></p><p><span style="font-size: medium;">We know. A lot of us see money as the only reason why we haven’t taken that trip yet but the truth is, you shouldn’t wait to get rich before you see the world. Traveling can create life-changing experiences and lasting memories however it’s isn’t worth it if you go into debt because of it.</span></p><p><span style="font-size: medium;">You can travel for cheap by prioritizing what's important to you.</span></p><p><span style="font-size: medium;">Here’s how;</span></p><p><b><span style="font-size: medium;">1. Look for a cheap flight and deals</span></b></p>
<p class="MsoListParagraphCxSpLast" style="margin-left: 0.25in; mso-add-space: auto;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiSrjGq699P_CyU1jWDSx09Q3p8w-AyGg3ed5WirozGoa39YW93vVf0hG0xMVKfjmdCcKYIREx59ifJ6zyPBXLJdLQl6KxYOnQfuckriaQNjRe9VrLWup-3bp-sPIfaqt8IOVJ8zKWC5HwW/" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="299" data-original-width="449" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiSrjGq699P_CyU1jWDSx09Q3p8w-AyGg3ed5WirozGoa39YW93vVf0hG0xMVKfjmdCcKYIREx59ifJ6zyPBXLJdLQl6KxYOnQfuckriaQNjRe9VrLWup-3bp-sPIfaqt8IOVJ8zKWC5HwW/w640-h426/image.png" width="640" /></a></div><p></p><p class="MsoNormal"><span style="color: #434242; font-size: medium;"><span style="background-color: white;">Once you decide on your dream destination, you need to sort out how to get there. If you are going to fly there, you might want to book your flight as early as possible, this is important if you are going to frequently travelled places.</span></span></p><p class="MsoNormal"><span style="background-color: white; color: #434242; font-size: medium;">Another tip, you can pick you seat if you book early.</span></p>
<p class="MsoListParagraphCxSpFirst" style="margin-left: 0.25in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -0.25in;"><span style="font-size: medium;"><!--[if !supportLists]--><b><span face=""Century Gothic",sans-serif" style="color: #434242; line-height: 107%; mso-bidi-font-family: "Century Gothic"; mso-fareast-font-family: "Century Gothic";"><span style="mso-list: Ignore;">2.<span style="font-family: "Times New Roman"; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span></b><!--[endif]--></span><b><span face=""Century Gothic",sans-serif" style="background: white; color: #434242; line-height: 107%; mso-bidi-font-family: Arial;"><span style="font-size: medium;">Avoid checking in excess luggage.</span><o:p style="font-size: 10pt;"></o:p></span></b></p>
<p class="MsoListParagraphCxSpLast" style="margin-left: 0.25in; mso-add-space: auto;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEha7OOdCh0ZPBmmbtuZsY6EMegnsuCIG9efHUQhPkvXLrnRfFnnRrwfVHTRgtY3hSeK1jK7JLLX37feKjXrwvoTAckV2xUaP1cxPMt0UhzA89dyiiFYxSWtCetnCtu6djAeV20JH4CjWY6n/" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="333" data-original-width="319" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEha7OOdCh0ZPBmmbtuZsY6EMegnsuCIG9efHUQhPkvXLrnRfFnnRrwfVHTRgtY3hSeK1jK7JLLX37feKjXrwvoTAckV2xUaP1cxPMt0UhzA89dyiiFYxSWtCetnCtu6djAeV20JH4CjWY6n/w613-h640/image.png" width="613" /></a></div><span face=""Century Gothic", sans-serif" style="background-color: white; color: #434242;"><p class="MsoListParagraphCxSpLast" style="font-size: 10pt; margin-left: 0.25in; mso-add-space: auto;"><span face=""Century Gothic", sans-serif" style="background-color: white; color: #434242; font-size: 10pt;"><br /></span></p><span style="font-size: medium;">Excess luggage will cost you a lot
of money. </span></span><div><span face=""Century Gothic", sans-serif" style="background-color: white; color: #434242; font-size: medium;">Take just only what is necessary and save by traveling with carry-on
luggage.</span><p></p>
<p class="MsoListParagraphCxSpFirst" style="margin-left: 0.25in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -0.25in;"><span style="font-size: medium;"><!--[if !supportLists]--><b><span face=""Century Gothic",sans-serif" style="color: #434242; line-height: 107%; mso-bidi-font-family: "Century Gothic"; mso-fareast-font-family: "Century Gothic";"><span style="mso-list: Ignore;">3.<span style="font-family: "Times New Roman"; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span></b><!--[endif]--></span><b><span face=""Century Gothic",sans-serif" style="background: white; color: #434242; line-height: 107%; mso-bidi-font-family: Arial;"><span style="font-size: medium;">Carry your own supplies</span><o:p style="font-size: 10pt;"></o:p></span></b></p>
<p class="MsoListParagraphCxSpLast" style="margin-left: 0.25in; mso-add-space: auto;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhYau5uQFtyxHqkk4C8E3n-GoVrvskGuzClnWWYryUpiGBDlJQjLvQJXG7PRhEV1kHf-WxCIXYa20WAnYTXIJuL51pSPZvIDa3mqUNMVXLgLqNjeu4nA_Lm9Tj_jgebrmuhPcK-axtTigtI/" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="262" data-original-width="262" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhYau5uQFtyxHqkk4C8E3n-GoVrvskGuzClnWWYryUpiGBDlJQjLvQJXG7PRhEV1kHf-WxCIXYa20WAnYTXIJuL51pSPZvIDa3mqUNMVXLgLqNjeu4nA_Lm9Tj_jgebrmuhPcK-axtTigtI/w640-h640/image.png" width="640" /></a></div><br /><p class="MsoNormal"><span face=""Century Gothic",sans-serif" style="background: white; color: #434242; font-size: medium; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-font-weight: bold;">Carrying your own food can save you
a lot of money as hotel food is known to be pricey. Pack some non-perishable snacks
and beverages with you. <o:p></o:p></span></p>
<p class="MsoNormal"><span face=""Century Gothic",sans-serif" style="background: white; color: #434242; font-size: medium; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-font-weight: bold;">You can also patronize the local restaurants.<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpFirst" style="margin-left: 0.25in; mso-add-space: auto; mso-list: l0 level1 lfo1; text-indent: -0.25in;"><span style="font-size: medium;"><!--[if !supportLists]--><b><span face=""Century Gothic",sans-serif" style="color: #434242; line-height: 107%; mso-bidi-font-family: "Century Gothic"; mso-fareast-font-family: "Century Gothic";"><span style="mso-list: Ignore;">4.<span style="font-family: "Times New Roman"; font-stretch: normal; font-style: normal; font-variant: normal; font-weight: normal; line-height: normal;">
</span></span></span></b><!--[endif]--></span><b><span face=""Century Gothic",sans-serif" style="background: white; color: #434242; line-height: 107%; mso-bidi-font-family: Arial;"><span style="font-size: medium;">Book hotels with breakfast option.</span><o:p style="font-size: 10pt;"></o:p></span></b></p>
<p class="MsoListParagraphCxSpMiddle" style="margin-left: 0.25in; mso-add-space: auto;"></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiqu9FzI-EPLgo1Pjtw8A5dewpL0hmngH2R4xDuI1bGEjAAnb57Q5PvEx3yp_De3B3tPKMU506st9IHCIt83RR0hJSg6SRRoviGP3t4PO2-CXjA23MvTGVdzgVboYPz5k2p9lUvr02gFiNb/" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="262" data-original-width="393" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiqu9FzI-EPLgo1Pjtw8A5dewpL0hmngH2R4xDuI1bGEjAAnb57Q5PvEx3yp_De3B3tPKMU506st9IHCIt83RR0hJSg6SRRoviGP3t4PO2-CXjA23MvTGVdzgVboYPz5k2p9lUvr02gFiNb/w640-h426/image.png" width="640" /></a></div><br /><p></p>
<p class="MsoListParagraphCxSpMiddle" style="margin-left: 0in; mso-add-space: auto;"><span face=""Century Gothic",sans-serif" style="background: white; color: #434242; font-size: medium; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-font-weight: bold;">Want to enjoy your trip and your money’s worth? Book a hotel with
breakfast option. We all know that breakfast is an important meal of the day.
Staying in a hotel that offers breakfast gives you room for choice. You can
have a different meal every day and it’s always a buffet. <o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="margin-left: 0in; mso-add-space: auto;"><span face=""Century Gothic",sans-serif" style="background: white; color: #434242; font-size: medium; line-height: 107%; mso-bidi-font-family: Arial; mso-bidi-font-weight: bold;">Pro tip: go for breakfast early, your choices won’t be limited.<o:p></o:p></span></p>
<p class="MsoListParagraphCxSpMiddle" style="margin-left: 0in; mso-add-space: auto;"><span face=""Century Gothic",sans-serif" style="background: white; color: black; font-size: medium; line-height: 107%;">With these tips to travel cheap you can reduce
costs based on your budget. </span><span style="background-color: white; font-size: medium;">Begin your adventure!</span></p></div>UBA Grouphttp://www.blogger.com/profile/06995167439144713087noreply@blogger.com0tag:blogger.com,1999:blog-1527211876436873613.post-25878878676971160622021-05-21T11:58:00.001+01:002021-05-21T12:10:32.058+01:00Africa Day: A History of Unity and Diversity <a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjHinQJGrSZd8Uycd2dTBeMhBmG5-1Fgm9vxjdaV48DeqGMbK9GQHnQi6emqEZVbBzILFwEhyclZk0FSWtj9rhyphenhyphenyW_27HmdptHVa5zn1577stEW3DjS2SvIWqlw134Ug4UuGlOALww9v0pG/s1331/1.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em; text-align: center;"><img border="0" data-original-height="528" data-original-width="1331" height="254" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjHinQJGrSZd8Uycd2dTBeMhBmG5-1Fgm9vxjdaV48DeqGMbK9GQHnQi6emqEZVbBzILFwEhyclZk0FSWtj9rhyphenhyphenyW_27HmdptHVa5zn1577stEW3DjS2SvIWqlw134Ug4UuGlOALww9v0pG/w640-h254/1.png" width="640" /></a><br /><p><span style="font-family: inherit;"><span class="normaltextrun" style="text-align: justify;"><span lang="EN-US" style="font-size: 11pt;">Most, if not all
Africans are familiar with Africa Day, a continent-wide celebration of Africa’s
diversity and unity. The exact origins of Africa Day, however, aren’t quite as
well known. When </span></span><span data-contrast="auto" style="font-variant-ligatures: none; text-align: justify; user-select: text;">focused
on how this special day came to pass, it’s easy to feel </span><span data-contrast="auto" style="font-variant-ligatures: none; text-align: justify; user-select: text;">that much more strongly about Africa Day and its
inspiring origins that stem from over 60 years ago.</span></span></p><p class="paragraph" style="background: white; font-kerning: none; overflow-wrap: break-word; text-align: justify; user-select: text;"><span data-ccp-props="{"201341983":0,"335551550":6,"335551620":6,"335559739":160,"335559740":259}" style="user-select: text;"><span style="font-family: inherit;"><span lang="EN-US" style="font-size: 9pt;"></span><o:p></o:p></span></span></p>
<p class="paragraph" style="background: white; font-kerning: none; overflow-wrap: break-word; text-align: justify; user-select: text;"><span style="font-family: inherit;"><b><span lang="EN-US" style="font-size: 11pt;">The Drive for African Independence</span></b><span lang="EN-US"><o:p></o:p></span></span></p>
<p class="paragraph" style="background: white; font-kerning: none; overflow-wrap: break-word; text-align: justify; user-select: text;"><span lang="EN-US"><span style="font-family: inherit;"> </span></span><span data-contrast="auto" style="font-family: inherit; font-variant-ligatures: none; user-select: text;"><span style="user-select: text;"><span class="normaltextrun"><span lang="EN-US" style="font-size: 11pt;">Africans responded to the end of World War
II with exceptional efforts to decolonize the</span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;"> continent for more political rights and
independence from colonial rule. Consequently, a significant number of African
countries gained independence from European colonial powers between 1945 and
1965, with Ghana being the first sub-Saharan African cou</span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;">ntry to gain its </span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;">independence </span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;">on March 6, 1957. Ghana’s </span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;">independence</span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;"> inspired other African countries fighting
against colonial rule</span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;">, with </span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;">Ghana </span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;">ultimately convening </span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;">the first Conference of Independent African States on
April 15, 1958, a collective platform asserting Africa’s right to independence. </span></span></span></span><span data-ccp-props="{"201341983":0,"335551550":6,"335551620":6,"335559739":160,"335559740":259}" style="font-family: inherit; user-select: text;"><span class="eop"><span lang="EN-US" style="font-size: 11pt;"> </span></span></span></p>
<p class="paragraph" style="background: white; font-kerning: none; overflow-wrap: break-word; text-align: justify; user-select: text;"><b style="font-family: inherit;"><span lang="EN-US" style="font-size: 11pt;">The Organization of African Unity</span></b></p>
<p class="paragraph" style="background: white; font-kerning: none; overflow-wrap: break-word; text-align: justify; user-select: text;"><span data-contrast="auto" style="font-family: inherit; font-variant-ligatures: none; user-select: text;"><span style="user-select: text;"><span class="normaltextrun"><span lang="EN-US" style="font-size: 11pt;">On </span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;">May 25, 1963, following the Ghanian conference’s
sentiments, the Organization of African Unity (OAU)</span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;"> was formed in Addis Ababa, Ethiopia</span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;">, </span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;">in a meeting seating over 30 African </span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;">nations</span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;"> dedicated to establishing unity</span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;"> between countries and gaining independence from
colonial powers</span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;">.</span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;"> </span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;">This m</span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;">eeting marked </span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;">the beginning of what</span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;"> we now refer to as </span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;">Africa Day</span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;">. T</span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;">he OAU eventually evolved into the African Union (AU)</span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;"> in 2002</span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;">, where South Africa paved the way as a founding
member shortly after the end of Apartheid rule. </span></span></span></span><span data-ccp-props="{"201341983":0,"335551550":6,"335551620":6,"335559739":160,"335559740":259}" style="font-family: inherit; user-select: text;"><span class="eop"><span lang="EN-US" style="font-size: 11pt;"> </span></span></span></p>
<p class="paragraph" style="background: white; font-kerning: none; overflow-wrap: break-word; text-align: justify; user-select: text;"><b style="font-family: inherit;"><span lang="EN-US" style="font-size: 11pt;">Africa Day Today</span></b></p>
<p class="paragraph" style="background: white; font-kerning: none; overflow-wrap: break-word; text-align: justify; user-select: text;"><span data-contrast="auto" style="font-family: inherit; font-variant-ligatures: none; user-select: text;"><span style="user-select: text;"><span class="normaltextrun"><span lang="EN-US" style="font-size: 11pt;">Africa Day continues to be celebrated in
Africa and around the world</span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;">. It is recognized as a day for celebration of the
progress that Africa has made, while reflecting upon the common challenges that
the continent faces; </span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;">a day when </span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;">myriad African culture</span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;">s come together</span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;">,</span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;"> to celebrate the African Union in its objectives
for a decolonized</span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;">, yet
united </span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;">African
state</span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;">; and a day to rejoice in and embrace Africa’s diversity.</span></span></span></span><span data-ccp-props="{"201341983":0,"335551550":6,"335551620":6,"335559739":160,"335559740":259}" style="font-family: inherit; user-select: text;"><span class="eop"><span lang="EN-US" style="font-size: 11pt;"> </span></span></span></p><p class="paragraph" style="background: white; text-align: justify;"><span style="font-family: inherit;"><span class="eop"><b><span lang="EN-US" style="font-size: 11pt;">UBA and Africa Day</span></b></span></span></p><p class="paragraph" style="background: white; text-align: justify;"><span style="font-family: inherit;"><span class="eop"></span></span></p><div class="separator" style="clear: both; font-weight: bold; text-align: center;"><span style="font-family: inherit;"><span class="eop"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh12DoMfzOvu3pbmiF8FVV1ZDR5FCfIpnmJptddgFA78-wdmzMlxNQGIO3qBglDxfQgvIFBPgrUATt0HokeW8-oBgpw_h5nm9OkYVPQPPLm9jQUVNxTj5dG87Q2doCaoYIgDAYJ4ikLdGz_/s600/Blog+May.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="248" data-original-width="600" height="264" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh12DoMfzOvu3pbmiF8FVV1ZDR5FCfIpnmJptddgFA78-wdmzMlxNQGIO3qBglDxfQgvIFBPgrUATt0HokeW8-oBgpw_h5nm9OkYVPQPPLm9jQUVNxTj5dG87Q2doCaoYIgDAYJ4ikLdGz_/w640-h264/Blog+May.png" width="640" /></a></span></span></div><span style="font-family: inherit;"><span class="eop"><br /><div class="separator" style="clear: both; text-align: left;"><span data-contrast="auto" style="background-color: transparent; font-family: inherit; font-variant-ligatures: none; text-align: justify; user-select: text;"><span style="user-select: text;"><span class="normaltextrun"><span lang="EN-US" style="font-size: 11pt;">UBA has always deemed it appropriate to
observe Africa Day. This special event is celebrated in all UBA offices around
the world, from Lagos to New York, London to </span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;">Maputo</span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;">. </span></span><span data-contrast="auto" style="user-select: text;"><span style="user-select: text;">As part of our annual Africa Day celebrations, we
adorn cultural outfits, eat local dishes, and participate in a “best outfit”
competition across the group, meant to encourage cross-cultural adoptions and
encourage more unity across the UBA Tribe. </span></span></span></span><span data-ccp-props="{"201341983":0,"335551550":6,"335551620":6,"335559739":160,"335559740":259}" style="background-color: transparent; font-family: inherit; text-align: justify; user-select: text;"><span class="eop"><span lang="EN-US" style="font-size: 11pt;"> </span></span></span></div></span></span><p></p><p class="paragraph" style="background: white; text-align: justify;"><span style="font-family: inherit;"><span class="normaltextrun"><span lang="EN-US" style="font-size: 11pt;">Stay tuned for our
activities during this year’s Africa Day celebrations on May 25! </span></span><span data-ccp-props="{"201341983":0,"335551550":6,"335551620":6,"335559739":160,"335559740":259}" style="user-select: text;"><span class="eop"><span lang="EN-US" style="font-size: 11pt;"> </span></span></span><span lang="EN-US" style="font-size: 9pt;"><o:p></o:p></span></span></p><p class="paragraph" style="background: white; font-kerning: none; overflow-wrap: break-word; text-align: justify; user-select: text;"><span data-contrast="auto" style="font-family: inherit; font-variant-ligatures: none; user-select: text;"><span style="user-select: text;"><span class="normaltextrun"><span lang="EN-US" style="font-size: 11pt;">---</span></span></span></span><span data-ccp-props="{"201341983":0,"335551550":6,"335551620":6,"335559739":160,"335559740":259}" style="font-family: inherit; user-select: text;"><span class="eop"><span lang="EN-US" style="font-size: 11pt;"> </span></span></span></p><p class="paragraph" style="background: white; font-kerning: none; overflow-wrap: break-word; text-align: justify; user-select: text;"><span data-contrast="none" style="font-family: inherit; font-variant-ligatures: none; user-select: text;"><span style="user-select: text;"><span class="normaltextrun"><i><span lang="EN-US" style="color: #202020; font-size: 11pt;">Ethan Andersen is the Head,
Marketing and Corporate Communications for </span></i></span></span></span><span lang="EN-US" style="font-family: inherit; font-size: 9pt;"><a href="https://eur03.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.ubaamerica.com%2F&data=04%7C01%7Cmary.okorie%40ubagroup.com%7C93fb1dfc85204b49ed4408d90f342adf%7C18f15a3fea524261b7250b0f0d1bab03%7C1%7C0%7C637557539022538670%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C1000&sdata=xrUvvox%2B2uA1xFgDYQyO2HjjUNmYp8UwJNzJF%2FA36XI%3D&reserved=0" originalsrc="https://www.ubaamerica.com/" shash="qkwIp5j2MKs5KQmfgbjJ/DkgMa1uWgWkno2Cz/hHuMDEBK+PArnTEEHQuldUZk4DO2ThTX+ilYJDhZz84+mPYIG6pbSkUAHc7/KKbz39B7EZFEklf0298aTlrwqrvSplsKVIyCzyihrS/u9HXp3k2FkxfD+/oyJQyIakzz8frtQ=" style="user-select: text;" target="_blank"><span class="normaltextrun"><span data-ccp-charstyle="Hyperlink" style="user-select: text;"><i><span style="color: #0563c1; font-size: 11pt;"><span data-contrast="none" style="font-variant-ligatures: none; user-select: text;">UBA
America</span></span></i></span></span></a></span><span data-contrast="none" style="font-family: inherit; font-variant-ligatures: none; user-select: text;"><span style="user-select: text;"><span class="normaltextrun"><i><span lang="EN-US" style="color: #202020; font-size: 11pt;">, the U.S. branch of United
Bank for Africa (</span></i></span></span></span><span lang="EN-US" style="font-family: inherit; font-size: 9pt;"><a href="https://eur03.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.ubagroup.com%2F&data=04%7C01%7Cmary.okorie%40ubagroup.com%7C93fb1dfc85204b49ed4408d90f342adf%7C18f15a3fea524261b7250b0f0d1bab03%7C1%7C0%7C637557539022548664%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C1000&sdata=c33Eel5dHwT60JEmgdoOZ4qKqzATLBJStzEA%2BowKwe4%3D&reserved=0" originalsrc="https://www.ubagroup.com/" shash="j4OHXRJbxYlxmPdTFOaK+7PxgrTYk3avhVUv3Qqt9wJ+E0N7URDgpfLXddOjL7Om27BUc78TPwISl21HGwEc9bnUakhLHMxNTYd79RpBt+UCQ8Uz8nRN2tuoDZk6yCU8CoUUu4E2SSNp0F3iiwzs52V6kTXP682gEwugVRQWtJM=" style="user-select: text;" target="_blank"><span class="normaltextrun"><span data-ccp-charstyle="Hyperlink" style="user-select: text;"><i><span style="color: #0563c1; font-size: 11pt;"><span data-contrast="none" style="font-variant-ligatures: none; user-select: text;">UBA</span></span></i></span></span></a></span><span data-contrast="none" style="font-family: inherit; font-variant-ligatures: none; user-select: text;"><span style="user-select: text;"><span class="normaltextrun"><i><span lang="EN-US" style="color: #202020; font-size: 11pt;">).</span></i></span></span></span><span data-ccp-props="{"201341983":0,"335551550":6,"335551620":6,"335559739":160,"335559740":259}" style="font-family: inherit; user-select: text;"><span class="eop"><span lang="EN-US" style="color: #202020; font-size: 11pt;"> </span></span></span></p><p class="paragraph" style="background: white; font-kerning: none; overflow-wrap: break-word; text-align: justify; user-select: text;"><span data-ccp-props="{"201341983":0,"335551550":6,"335551620":6,"335559739":160,"335559740":259}" style="user-select: text;"><span class="eop"><span lang="EN-US" style="font-size: 11pt;"><span style="font-family: inherit;">
</span></span></span></span></p><p class="MsoNormal"><o:p><span style="font-family: inherit;"> </span></o:p></p>
<span style="cursor: move; display: inline-block; user-select: text;"></span><div class="separator" style="clear: both; text-align: center;"><br /></div><br />UBA Grouphttp://www.blogger.com/profile/06995167439144713087noreply@blogger.com0tag:blogger.com,1999:blog-1527211876436873613.post-67213386101157724172021-04-13T10:05:00.004+01:002021-04-13T10:05:28.845+01:00Effective Money Saving Tips for Low Income Earners by Calista Ekeigwe<p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg2CkMuFCIvIABYWM1xRQcfxCuFQOI0IgZj-xBSixsw1kaMdTzQxfceohMWYFihaOV7zUFJdtVnf18s6gFzHDxi9YbIiS6C9_1jfzTV_SJdEPhVLIWIYOfVfE2ecofFxuHNDyKulzaCEKXk/" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="720" data-original-width="1080" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg2CkMuFCIvIABYWM1xRQcfxCuFQOI0IgZj-xBSixsw1kaMdTzQxfceohMWYFihaOV7zUFJdtVnf18s6gFzHDxi9YbIiS6C9_1jfzTV_SJdEPhVLIWIYOfVfE2ecofFxuHNDyKulzaCEKXk/w640-h426/image.png" width="640" /></a></div><br />Cultivating a good saving habit can be tough but doing that on a low income is so much tougher. However, while this can be discouraging, remember that no amount is too small to be saved and the usefulness of saving can never be overemphasized. Ideally, 20% of our salary should be saved. You can still set a savings goal and reach it. The best trick to cultivating a great savings habit is always to find a motivation to save money for the future. Once this is done, you can consider the following tips we have highlighted to help you save more effectively. <p></p><p><b>1.Make A list:</b></p><p>Having a list will help you visualize very vividly what your new month expenditure will look like. Having made a list of your essential needs, the next step is to prioritize. Having a low income may be inhibiting and sometimes one may not achieve all they want. The trick is to prioritize and solve the most pressing needs while saving the others for later.</p><p><br /></p><p><b>2.Set a Spending Goal: </b></p><p>When your 20% has been saved, and your essential needs taken care of, divide the remaining amount of money available by the number of weeks till the next pay day. This is typically 4 weeks. With this as a guide, set the resultant amount as your spending limit per week. Food spending is most likely to wreak havoc on your budget if it is not properly managed.</p><p><br /></p><p><b>3.Set a Food Budget:</b> </p><p>Within the first few weeks after payday, there is usually an overwhelming temptation to treat yourself to a sumptuous meal at a cozy restaurant. When this happens twice or thrice, setting a sustainable food budget till the end of the month becomes almost impossible. It is advisable to look for means through which you can cut your restaurant spending and the most effective one is through home meal planning. </p><p> </p><p><b>4.Take Advantage of Fee Free Savings Accounts: </b></p><p>Typically, the bank deducts several fees from your savings as charges for different purposes. However, fee free accounts still exist. As a low-income earner, it is important to create and operate these types of bank accounts to enable you have all the funds you can available to you.</p><p><br /></p><p><b>5.Be Resourceful: </b></p><p>While saving on a low income is a very tough challenge, a hard truth is, that low paying job may not be around forever. In this case, being resourceful is a lifeline. Do not settle. Keep looking for a better paying or multi streams of income to widen your financial capability. This may come with a “time” challenge. Uhn huh! This implies that you may not have as much time to play with as those who earn higher. Spend your free time searching for a better job or an alternative stream of income.</p><p><b>6.Reduce Entertainment Cost: </b></p><p>We all know the saying that “all work and no play makes Jack a dull boy”. Well in this case, Jack does not have so much money and time to spend on playing. That notwithstanding, some sort of entertainment is mandatory for a proper work-life balance. Three very useful tips here are to find free entertainment opportunities, very affordable entertainment or create an entertaining opportunity for yourself at home.</p><p><br /></p><p>Bottom line is, cultivating a fantastic saving habit with a low income is very possible. However, it requires more determination and a higher level of discipline. We hope these tips have helped you on your journey to financial freedom. </p><div><br /></div>UBA Grouphttp://www.blogger.com/profile/06995167439144713087noreply@blogger.com0tag:blogger.com,1999:blog-1527211876436873613.post-6842238610598429512021-03-28T12:37:00.000+01:002021-03-28T12:37:02.603+01:00Nzulezo, The Village On A River<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg7BGFcVFBMfr-7saVs-Ifxu5lkJSGYVGzqOdrhIwrqdraNaqZoOSaV-3VzMsgw1rRCdEpIzuUfuhuiVm3jwCNGUA-hQcH4Erp06W4XBkvxIjLJd8L1_TwVUA-7XiqFNUKuo_sfMtc_Bi7c/s1200/nzulezuvillage.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="675" data-original-width="1200" height="360" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg7BGFcVFBMfr-7saVs-Ifxu5lkJSGYVGzqOdrhIwrqdraNaqZoOSaV-3VzMsgw1rRCdEpIzuUfuhuiVm3jwCNGUA-hQcH4Erp06W4XBkvxIjLJd8L1_TwVUA-7XiqFNUKuo_sfMtc_Bi7c/w640-h360/nzulezuvillage.jpg" width="640" /></a></div><br /><div class="separator" style="clear: both; text-align: left;">Nzulezo is a village located near the village of Beyin, 90 kilometers west of Takoradi, in the Jomoro District in the Western Region of Ghana. </div><p>Nzulezu overlooks Lake Tadane, and is entirely made up of stilts and platforms. In 2000, it was nominated as a UNESCO World Heritage Site, and is a major tourist attraction area. The village has about 1,000 residents.</p><p>Nzulezu was built over Lake Tadane. The settlement of Nzulezo consists of stilt-supported structures. </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXNXq_L_AAVQGZJomO91pd0wH_Rg0FtoE0BFVjTeotbphNlA9Cp-SvM-76D6uJNJXeK2kQGAz4nd02I0jyQF8qJOLpq5dfUn754jz_Tuz33SDP2mqC2ME2nYr_U2F7UEU5wwYyrkKdqY6D/s800/4108_Nzulezu.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="542" data-original-width="800" height="434" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgXNXq_L_AAVQGZJomO91pd0wH_Rg0FtoE0BFVjTeotbphNlA9Cp-SvM-76D6uJNJXeK2kQGAz4nd02I0jyQF8qJOLpq5dfUn754jz_Tuz33SDP2mqC2ME2nYr_U2F7UEU5wwYyrkKdqY6D/w640-h434/4108_Nzulezu.jpg" width="640" /></a></div><p>The reason Nzulezo was built over water was for protection and safety during attacks in times of war since it lies five miles inland of the Southwest shores. The main activities of its inhabitants is agriculture, while fishery plays a secondary role. The lake Is perceived by the local population to protect against certain risks (e.g. a fire). </p><p>The village has a primary school and after primary school learners have to leave the village to go for secondary schools and universities. </p><p>This site was added to the UNESCO World Heritage Tentative List on January 17, 2000, in the Cultural category. </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgROaT-bjwyAfRJUSAIiSAg1m43G2uBMBzr31XdFB3tV48-fhin0RKgBq_MRQgCZnZVqfGsAqRey07dB-ZR16rQTBLBseoFABSsMQXVEmkigGueDSuMSKjKT42dkrGbx33fynx6TKqt9mNi/s1080/Bobpixel-braperuci.africa.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="720" data-original-width="1080" height="426" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgROaT-bjwyAfRJUSAIiSAg1m43G2uBMBzr31XdFB3tV48-fhin0RKgBq_MRQgCZnZVqfGsAqRey07dB-ZR16rQTBLBseoFABSsMQXVEmkigGueDSuMSKjKT42dkrGbx33fynx6TKqt9mNi/w640-h426/Bobpixel-braperuci.africa.jpg" width="640" /></a></div><br /><div class="separator" style="clear: both; text-align: left;">The village was nominated to become a World Heritage Site for its importance in anthropology: in addition to being one of the few ancient settlements on stilts and platforms left in the world, there is a preserved wealth of local traditions connected with the cult of the lake. Lake Tadane occurs on the banks of all religious rites, and Thursday, is a day sacred to the lake, and it is forbidden to use and work on the lake for any activity throughout the day of Thursday. </div><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgJ1wwNWCC3ZkeF2kHBsUay66-RpuVlbtBMbAxj92lQYj1L5iIxlLxRh5H4kPhJshKxT27Rl3BIBeW4FnCgLSAf-Qz5JaYI57eeaAhl-gPwyOOw4wt8rbrWOGzMtC6KNf9XtjIwmJevVKgH/s800/ghana-resort-nzulezu-01.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="600" data-original-width="800" height="480" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgJ1wwNWCC3ZkeF2kHBsUay66-RpuVlbtBMbAxj92lQYj1L5iIxlLxRh5H4kPhJshKxT27Rl3BIBeW4FnCgLSAf-Qz5JaYI57eeaAhl-gPwyOOw4wt8rbrWOGzMtC6KNf9XtjIwmJevVKgH/w640-h480/ghana-resort-nzulezu-01.jpg" width="640" /></a></div><p>In recent times the village has been opened to tourism, but with certain constraints (visitations are allowed only once a week). The village can be reached only by a canoe; the route, which crosses the rain forest, takes about an hour to 5 km away. In the village there is a church and a school but the village is extremely isolated.</p><div><br /></div>UBA Grouphttp://www.blogger.com/profile/06995167439144713087noreply@blogger.com0tag:blogger.com,1999:blog-1527211876436873613.post-75620831686473608032021-03-27T18:17:00.000+01:002021-03-27T18:17:15.806+01:00UBA Ghana Earns Confidence of Ghanaians Through Customer Driven Innovations<div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhfUy-FaRTMh9aY7b13MdwA_RvXvIW1ZOfMAHArPhktXXlV4r8JBJZcMPeHPtHfjqLcfUnSDx5YN3AsWjW4tNLnKE9MGXk5rDz-V0Fa7R3UWozBU4PzMtHxPpmZBPf5Fv-nk5OyDgkzPDNO/s1000/photo_2021-03-12+11.07.15.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="750" data-original-width="1000" height="480" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhfUy-FaRTMh9aY7b13MdwA_RvXvIW1ZOfMAHArPhktXXlV4r8JBJZcMPeHPtHfjqLcfUnSDx5YN3AsWjW4tNLnKE9MGXk5rDz-V0Fa7R3UWozBU4PzMtHxPpmZBPf5Fv-nk5OyDgkzPDNO/w640-h480/photo_2021-03-12+11.07.15.jpeg" width="640" /></a></div><p>Banks are intrinsically social institutions. They make money by providing services that people want and which would be extraordinarily expensive to procure without banks.</p><p>And this is why over the last sixteen years the presence of UBA in Ghana’s banking industry has galvanized banking onto a higher performance level; where competition and innovation in responding to the needs of the customer have become the driving force of the industry. </p><p>UBA's world class customer driven innovations have earned it the confidence of the Ghanaian public; as it continues to provide banking services to a wide variety of customers.</p><p>The objective of UBA Ghana is to democratize banking with excellent customer driven solutions. The bank seeks to bring financial services to a majority of the Ghanaian populace and make it a basic entitlement for all. </p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh4fSRxhN_-QthvG9czaU-9WrdhJIZNrro08gZmhdDskZSDswiiaJ0qpAI1cLwYk7pmqIVAdB4JTb67hjPZIhJRC1twbG42R4HON9KQeJs1tbtTD3OgvRHjy-_iJRr9fcH3vW86EEZp1Xw0/s1024/photo_2021-03-12+11.06.28.jpeg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="768" data-original-width="1024" height="480" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh4fSRxhN_-QthvG9czaU-9WrdhJIZNrro08gZmhdDskZSDswiiaJ0qpAI1cLwYk7pmqIVAdB4JTb67hjPZIhJRC1twbG42R4HON9KQeJs1tbtTD3OgvRHjy-_iJRr9fcH3vW86EEZp1Xw0/w640-h480/photo_2021-03-12+11.06.28.jpeg" width="640" /></a></div><p>UBA Ghana has been at the forefront of many product innovation within the Ghanaian banking landscape; including the revolutionary Cashless Account which permits customers to open accounts without an initial deposit which was the first of its kind in Ghana. </p><p>The bank also pioneered Wise Alert and SMS/E-mail alert service which enables delivery of account related information, products and services notification in real-time to UBA customers' mobile phones and email accounts. UBA Ghana's unique product developments also saw the introduction of Africash, which is an instant money transfer service across Africa.</p><p>Also UBA Ghana’s virtual Artificial Intelligence BOT, LEO, has in no small way revolutionised banking in the country especially with the outbreak of the COVID-19 pandemic.</p><p>As Africa's global bank, UBA Ghana has developed a branch footprint and delivery network that has ensured that the bank's services are always within the reach of valued customers. In line with the bank’s positioning statement and strategic intent, UBA Ghana has a footprint of 28 fully networked branches and over 60 ATM's spread across Accra, Tema, Kasoa, Tarkwa, Tamale, Takoradi, Kumasi, Tarkwa and Aflao.</p><p>Aside its core banking services, the bank has responsibly and significantly contributed to the economic growth of Ghana not only by paying taxes but has also positioned itself as a brand that supports education and implemented various interventions to propel its support for education. </p><p>UBA Group being one of the leading banks in Africa sees development to be people centred. This is one of the reasons why UBA Ghana continues to boost its corporate social responsibilities by rolling out initiatives tied to the three core values of Enterprise, Excellence and Execution (3 EEEs). </p><p>UBA Ghana through the UBA Foundation has supported many youths through personal projects within the communities of operation with “Each One Teach One” project- a programme designed for various business offices to engage their operational areas with entrepreneurial or vocational skills. </p><p>This activity includes reading and donation of books; entrepreneurial and financial inclusion skills; first-aid training; photography skills training; make-up skills training; gardening and landscaping skills among others. </p><p>This again forms part of the Foundation’s effort to ensure employees volunteer towards a cause they are passionate about for better fulfilment, team-building, and boosting employee-morale as contribute to society.</p><p>Another ground-breaking Idea, the UBA Food Bank offers members of the Executive Management to join staff share food, water and assorted drinks to the less privileged. </p><p>As part of its Read Africa project, UBA Ghana distribute books by African writers to various schools and community libraries. In total, over ten thousand books have been distributed to various beneficiary institutions. </p><p>UBA Ghana’s National Essay Competition for the past two years 2019 and 2020 edition recorded the highest number of entries since inception with entries coming from the remote regions of Ghana. For the 2020 edition, the bank has awarded grants worth $10,000 to the three top winners and also given laptops to all 10 finalists of the competition.</p><p>At UBA, the well-being of our valued staff is a top priority, hence our once a month Jogging-to-Bond has continuously strengthened staff social bonding to ensure staff come together all around the country to exercise, stay healthy and build up relationships. </p><p>UBA Ghana was recognized as the best company in ‘Youth Empowerment Programme’. This signifies that the bank is on the right track in making impact in people lives. This honour was made possible through some life transforming initiatives including, the Read Africa Project, UBA National Essay Competition among others</p><div><br /></div>UBA Grouphttp://www.blogger.com/profile/06995167439144713087noreply@blogger.com0tag:blogger.com,1999:blog-1527211876436873613.post-8711427412873393832021-03-07T17:52:00.000+01:002021-03-23T14:43:22.730+01:00Funmi Oluyimika Akanbi -The UBA Persona<p>The average 9-5er spends approximately one-third of their life at work so ending up at a great organization to work is not just essential for paying your bills but also for your mental health, job satisfaction and overall happiness even so that when you leave, the experience shapes you for the next chapter of your life. </p><p>Job satisfaction aids increased productivity for both employer and employee. It is therefore important that the company culture is shaped in such a way that employees always feel at home within and outside the office building. A great place to work isn’t just about a beautiful space with the right amount of natural light, amazing green plants to calm the senses and comfortable aesthetic furniture to make work fun- these are essential elements. What makes a great place to work is the right work culture and of course, its people. </p><p>In January 1999 when Funmi Oluyimika Akanbi started her journey with United Bank for Africa, she did not expect that she would go on to stay for fifteen years before finally closing the curtain to pursue a greater passion- motherhood.</p><p>she shares her remarkable experience in a Facebook post below; </p><p><i>January 24, 1999. </i></p><p><i>Just realised I started my banking career on this day 21 years ago with Standard Trust Bank (now UBA). I chose to resign in 2016 after 15 years to start a family; and I would take that decision again if I had to; because today, I have the most adorable, super intelligent 2yrs+ twins to show for it, and the role of mom...best job title ever!</i></p><p><i>As I reflect, I am super grateful to God for the opportunities I had on the job, the mentorship, sometimes chastisement (lol), financial support for my MBA in England, from my then CEO Tony O. Elumelu, who believed so much in me and kept placing challenging roles before me, making me push the envelope. TOE as we call him successfully eradicated 'it's not possible' from my dictionary in the early years and replacing it with the 'can do spirit' (now y'all know where my resilience and go-getter attitude comes from).</i></p><p><i>I particularly treasure the people I met and worked with in the course of the job in my different roles in Operations, Customer Service, Brand Management & Communications, HR, Corporate Banking and Retail Banking. I still keep a lot of those relationships today as great friends.</i></p><p><i>I grew from that fresh-faced shy 26year old who couldn't look at anyone in the eye, to a senior management staff talking to a full room of 150 Executive Directors and Top Management staff at the Amphitheatre; The multimillion UBA Change Transformation project I championed that took me to 16 African countries where UBA was represented at the time in 2010.</i></p><p><i>Leaving a footprint of being pivotal to the redefinition of the UBA Core Values, H.E.I.R. as we have it today, is one I am especially proud of. Here's to the next 20 years of me impacting the next generation. I have been given much, it's my turn to repay the favour to the ones coming after me.</i></p><p><i>A grateful heart never forgets.</i></p><p><i>Oh and by the way I met my husband in UBA, the month he relocated from the US to take up a job with the Bank (story for another day )</i></p><p><i>To God alone be all the Glory!</i></p><p>For a lot of our employees; current and past, Funmi’s experience is relatable. With over 70 years of doing business, our diverse workforce remains our greatest investments even as we drive a culture of enterprise, excellence, execution for continued growth. This has helped us build up the perfect UBA persona over the years. </p><p>The UBA persona is the ideal employee. One who shows UBA in a positive light and influences positive perception of the brand wherever they find themselves. The UBA Persona is as an extension of UBA, sharing the same values, ethics, and demeanor as UBA while having the power to influence brand perception and customer’s decisions. </p><p>Investing in our employees, especially our of female employees not only propels them towards continued success, it elevates us as an organization.</p><p>Creating a safe environment that provides equal professional development opportunities, flexible work arrangements will always be standard for us. </p><p>As Africa’s Global Bank, building the right UBA persona means producing satisfied employees who will take over global leadership roles, and create impact on all levels.</p><div><br /></div>UBA Grouphttp://www.blogger.com/profile/06995167439144713087noreply@blogger.com0tag:blogger.com,1999:blog-1527211876436873613.post-42712508262713946272021-03-02T15:00:00.008+01:002021-03-02T15:00:04.270+01:00The Nigerian Diaspora in America: How Africa and North America’s Largest Countries are Growing Together<p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjTTaz73xrwrx5AY2z93ridU5ZFb-gRmMgLByZ30LonkHSvWC97AWq8Ka38-2MKi5_J08_wbBgrr7yW_83m5sNOikmYJxxgvucbUOkzocQOHaJqFZBOFAdpvPIpXaDYwWyaYa89DVkXaGjd/s1280/UBAAmerica.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="719" data-original-width="1280" height="360" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjTTaz73xrwrx5AY2z93ridU5ZFb-gRmMgLByZ30LonkHSvWC97AWq8Ka38-2MKi5_J08_wbBgrr7yW_83m5sNOikmYJxxgvucbUOkzocQOHaJqFZBOFAdpvPIpXaDYwWyaYa89DVkXaGjd/w640-h360/UBAAmerica.png" width="640" /></a></div><br /> The Nigerian diaspora in America is significant and flourishing, which would be a surprise to most Americans. African immigrants and the ways in which they shape our country’s culture are often neglected in public discourse on immigration. <p></p><p>Nigerian immigration to the U.S., however, is a well-established shift with a substantial impact on life across both continents. In 2017, U.S. residents sent over <a href="https://eur03.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.pewresearch.org%2Fglobal%2Finteractives%2Fremittance-flows-by-country%2F&data=04%7C01%7Cmary.okorie%40ubagroup.com%7C093a26020bb5473220eb08d8db234b5a%7C18f15a3fea524261b7250b0f0d1bab03%7C1%7C0%7C637500292453790716%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C1000&sdata=tNg43uY6Vo8o4hNTQUNtgDjWrjRB1vNGNoGmVG1SEgw%3D&reserved=0" target="_blank">$6 billion in remittances</a> to Nigeria, more than any other African nation. Nigeria, the <a href="https://eur03.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.pewresearch.org%2Ffact-tank%2F2019%2F07%2F10%2Ffor-world-population-day-a-look-at-the-countries-with-the-biggest-projected-gains-and-losses-by-2100%2F&data=04%7C01%7Cmary.okorie%40ubagroup.com%7C093a26020bb5473220eb08d8db234b5a%7C18f15a3fea524261b7250b0f0d1bab03%7C1%7C0%7C637500292453800706%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C1000&sdata=d%2BdFHuusr%2F5pGBKGWJ%2BsvIk51lysBuE2D33pcEDLKKw%3D&reserved=0" target="_blank">seventh most populous country</a> in the world with 206 million residents, is the <a href="https://eur03.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.pewresearch.org%2Fhispanic%2F2020%2F08%2F20%2Ffacts-on-u-s-immigrants-current-data%2F&data=04%7C01%7Cmary.okorie%40ubagroup.com%7C093a26020bb5473220eb08d8db234b5a%7C18f15a3fea524261b7250b0f0d1bab03%7C1%7C0%7C637500292453800706%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C1000&sdata=IEvCq1kg5LDtoXaNosgsitpJhvvPaztnY57%2BG1khzjo%3D&reserved=0" target="_blank">top birthplace</a> among African immigrants in the United States. Nigerian immigrants are the <a href="https://eur03.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.ft.com%2Fcontent%2Fca39b445-442a-4845-a07c-0f5dae5f3460&data=04%7C01%7Cmary.okorie%40ubagroup.com%7C093a26020bb5473220eb08d8db234b5a%7C18f15a3fea524261b7250b0f0d1bab03%7C1%7C0%7C637500292453810699%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C1000&sdata=3P7FZcX%2BGFMUYEyGsQtZOOfkVcwkV1Rej6ZS18d6VU8%3D&reserved=0" target="_blank">most highly educated </a>of all groups in the U.S., with 61% holding at least a bachelor’s degree, compared to 32% of the U.S.-born population. </p><p>With the Nigerian-American community being so impactful, it’s worth exploring the immigration journey and how it will shape both countries over time. </p><p><b>Immigration from Sub-Saharan Africa </b></p><p>The United States is home to <a href="https://eur03.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.migrationpolicy.org%2Farticle%2Fsub-saharan-african-immigrants-united-states-2018&data=04%7C01%7Cmary.okorie%40ubagroup.com%7C093a26020bb5473220eb08d8db234b5a%7C18f15a3fea524261b7250b0f0d1bab03%7C1%7C0%7C637500292453810699%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C1000&sdata=J3f4l7tg9YZTK0TMB8orWQT3vLVi%2BVSHe2JDGilWAQQ%3D&reserved=0" target="_blank">over 2 million sub-Saharan African immigrants</a>, though the growth is fairly new. As of 1980, there were just 150,000 such immigrants in the U.S. The flow of new residents from sub-Sahara's largest countries, from Nigeria, to Ghana, to Somalia, has accounted for most of the American diaspora’s population growth—and today, immigrants from sub-Saharan Africa comprise 84% of all immigrants from the continent. </p><p><b>Challenges and Achievements </b></p><p>Immigration is deeply woven into the fabric of America’s history and culture. Nevertheless, the process of cultural and logistical integration into American society is challenging for immigrants. From <a href="https://eur03.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.ft.com%2Fcontent%2Fca39b445-442a-4845-a07c-0f5dae5f3460&data=04%7C01%7Cmary.okorie%40ubagroup.com%7C093a26020bb5473220eb08d8db234b5a%7C18f15a3fea524261b7250b0f0d1bab03%7C1%7C0%7C637500292453820701%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C1000&sdata=qF2JMNMcQ2NlbgtFEj9Bw3f6zAubj%2FaUhV0xgHsbcPA%3D&reserved=0" target="_blank">onerous visa requirements</a> to the high cost of travel to the country (let alone the cost of living), U.S. immigration has the capacity to be self-selecting, and high achievers across immigrant groups are the mostly to thrive. </p><p>If there’s any well-known cultural fact about Nigerians, it’s that they value excellence in all forms and are truly dedicated to achievement—so it shouldn’t come as a surprise that Nigerian immigrants are <a href="https://eur03.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.ft.com%2Fcontent%2Fca39b445-442a-4845-a07c-0f5dae5f3460&data=04%7C01%7Cmary.okorie%40ubagroup.com%7C093a26020bb5473220eb08d8db234b5a%7C18f15a3fea524261b7250b0f0d1bab03%7C1%7C0%7C637500292453820701%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C1000&sdata=qF2JMNMcQ2NlbgtFEj9Bw3f6zAubj%2FaUhV0xgHsbcPA%3D&reserved=0" target="_blank">more likely to occupy management positions</a> in the U.S. than any other foreign-born population. </p><p><b>Nigerians in American Society </b></p><p>Nigerians still comprise a small fraction of the U.S. population, but their impact on American society continues to grow. Forensic pathologist Dr. Bennet Omalu was the first to discover and publish on <a href="https://eur03.safelinks.protection.outlook.com/?url=https%3A%2F%2Fepi.washington.edu%2Fnews%2Fdr-bennet-omalu-spotlights-profoundly-inconvenient-truth&data=04%7C01%7Cmary.okorie%40ubagroup.com%7C093a26020bb5473220eb08d8db234b5a%7C18f15a3fea524261b7250b0f0d1bab03%7C1%7C0%7C637500292453830687%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C1000&sdata=HyeI1lB0GIcWCZDhfJygTds6suDLb8qmmuoTJEqyPrE%3D&reserved=0" target="_blank">chronic encephalopathy</a> in American football players, later portrayed by Will Smith in the 2015 film Concussion. Nigerian-born <a href="https://eur03.safelinks.protection.outlook.com/?url=https%3A%2F%2Fvariety.com%2F2020%2Ftv%2Fnews%2Fbonnie-hammer-pearlena-igbokwe-nbcuniversal-content-1234763085%2F&data=04%7C01%7Cmary.okorie%40ubagroup.com%7C093a26020bb5473220eb08d8db234b5a%7C18f15a3fea524261b7250b0f0d1bab03%7C1%7C0%7C637500292453830687%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C1000&sdata=NJXjqm3CR1%2FheHlC0tS4pQNMu8dQ4mxLj9ppCVBp5Hs%3D&reserved=0" target="_blank">Pearlena Ogbokwe</a> is the president of Universal Studio Group, the first woman of African descent to head a major U.S. television studio. Imelme A. Umana, <a href="https://eur03.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.nytimes.com%2F2017%2F02%2F27%2Fus%2Fafter-130-years-harvard-law-review-elects-a-black-woman-president.html&data=04%7C01%7Cmary.okorie%40ubagroup.com%7C093a26020bb5473220eb08d8db234b5a%7C18f15a3fea524261b7250b0f0d1bab03%7C1%7C0%7C637500292453840681%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C1000&sdata=RQrRaGSzOAfxodGsJI6nDLHrU0eXuZo6F0oa0tcJx7Y%3D&reserved=0" target="_blank">the first black woman elected president</a> of the Harvard Law Review, is Nigerian-American. </p><p>As Nigerian-Americans continue to integrate into American society, we can safely expect to see more people like Ms. Ogbokwe, Ms. Umana and Dr. Omalu in the news, shaping American culture and life with the shared values of <a href="https://eur03.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.ubagroup.com%2Fnigeria%2Fabout-us%2Fshared-values%2F&data=04%7C01%7Cmary.okorie%40ubagroup.com%7C093a26020bb5473220eb08d8db234b5a%7C18f15a3fea524261b7250b0f0d1bab03%7C1%7C0%7C637500292453840681%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C1000&sdata=6K3k2XseQ04M5BAy5txjvci1YsZdxs%2Bz0OOXKJF91bA%3D&reserved=0" target="_blank">enterprise, excellence and execution</a>. </p><p><b>Our Future </b></p><p>It is estimated that Nigeria’s population will surge by hundreds of millions this century, becoming the world’s <a href="https://eur03.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.pewresearch.org%2Ffact-tank%2F2020%2F02%2F03%2Ffast-facts-about-nigeria-and-its-immigrants-as-u-s-travel-ban-expands%2F&data=04%7C01%7Cmary.okorie%40ubagroup.com%7C093a26020bb5473220eb08d8db234b5a%7C18f15a3fea524261b7250b0f0d1bab03%7C1%7C0%7C637500292453850680%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C1000&sdata=R9wGpkYXQOW47TG34as1fP9VLgsGU75RbWzQSO31gjQ%3D&reserved=0" target="_blank">third most populous country</a> by 2100—and as Nigeria’s population grows, Nigerian immigration to the U.S. will likely grow in tandem. As of 2015, the Nigerian-American population <a href="https://eur03.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.migrationpolicy.org%2Fsites%2Fdefault%2Ffiles%2Fpublications%2FRAD-Nigeria.pdf&data=04%7C01%7Cmary.okorie%40ubagroup.com%7C093a26020bb5473220eb08d8db234b5a%7C18f15a3fea524261b7250b0f0d1bab03%7C1%7C0%7C637500292453850680%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C1000&sdata=sdub%2B8Ie9OLJzbD6pRruNlMJIUT5b91nc1gWDSy9mAs%3D&reserved=0" target="_blank">stood at 376,000</a>, up from just 25,000 in 1980. With so much growth in store, and so many outstanding accomplishments achieved by Nigerian-Americans, it's easy to feel excited for the future of America, Nigeria, and all those in their vast circle of impact. </p><p><br /></p><p><i>Ethan Andersen is the Head, Marketing and Corporate Communications for <a href="https://eur03.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.ubaamerica.com%2F&data=04%7C01%7Cmary.okorie%40ubagroup.com%7C093a26020bb5473220eb08d8db234b5a%7C18f15a3fea524261b7250b0f0d1bab03%7C1%7C0%7C637500292453860677%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C1000&sdata=J8THVciCxr2TCmqSiFvhIjsJ8FFzEdzVWII%2F%2FWaEaQ0%3D&reserved=0" target="_blank">UBA America</a>, the U.S. branch of United Bank for Africa (<a href="https://eur03.safelinks.protection.outlook.com/?url=https%3A%2F%2Fwww.ubagroup.com%2F&data=04%7C01%7Cmary.okorie%40ubagroup.com%7C093a26020bb5473220eb08d8db234b5a%7C18f15a3fea524261b7250b0f0d1bab03%7C1%7C0%7C637500292453860677%7CUnknown%7CTWFpbGZsb3d8eyJWIjoiMC4wLjAwMDAiLCJQIjoiV2luMzIiLCJBTiI6Ik1haWwiLCJXVCI6Mn0%3D%7C1000&sdata=OUr9jTUdSIwEGjl8WprOvL5SuH1AXEqni52%2FP0D7Fuk%3D&reserved=0" target="_blank">UBA</a>). </i></p><div><br /></div>UBA Grouphttp://www.blogger.com/profile/06995167439144713087noreply@blogger.com0tag:blogger.com,1999:blog-1527211876436873613.post-26684205475796389092021-02-16T15:34:00.004+01:002021-02-16T15:42:51.543+01:00World Trade Organisation Appoints Dr. Ngozi Okonjo-Iweala as Director-General.<p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxUyjH7mzS33ogVRAEl9Ce62ncLiA1B4jUw76kUe-P7xlUlvjYdjsChKR1KLqPJr2dzzHJ30gajxmWO5au0UlSedLuqhQ0p-9SiHjDfF0TRa-iGY4A9HiYXFsk03WdfPQhmOLzaqOH-C1_/" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="2048" data-original-width="1463" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgxUyjH7mzS33ogVRAEl9Ce62ncLiA1B4jUw76kUe-P7xlUlvjYdjsChKR1KLqPJr2dzzHJ30gajxmWO5au0UlSedLuqhQ0p-9SiHjDfF0TRa-iGY4A9HiYXFsk03WdfPQhmOLzaqOH-C1_/w285-h400/image.png" width="285" /></a></div><br /><p><b>"It feels exciting and it feels daunting at the same time. I look forward to the challenge…deep reforms are needed to rebrand and reposition the organization,"</b> these were the words of Nigeria’s Dr. Ngozi Okonjo-Iweala in a recent interview with CNN's Christiane Amanpour.</p><p>Yesterday, Feb 15 2021, Dr. Ngozi Okonjo-Iweala made history as she became the first female and the first African ever to become the Director general of the WTO.</p><p>Dr. Ngozi Okonjo-Iweala’s name is not new to many in the sector of global finance. A recognised woman in her home country of Nigeria and globally, Dr Ngozi needs no introduction. Sometimes referred to as her initials NOI, she served twice as Nigeria’s Finance Minister and also as Minister of Foreign Affairs. In both roles, she was the first female to hold the positions. </p><p>Prior to serving her country, she worked as Managing Director of the World Bank where she was responsible for the World Bank’s operational portfolio in Africa, South Asia and Europe and Central Asia. She also oversaw several World Bank initiatives to assist low-income countries during the food crisis and later, the financial crisis.</p><p>Dr. Ngozi Okonjo-Iweala’s achievements as Finance Minister gained her international recognition for improving Nigeria’s financial stability and fostering greater fiscal transparency to combat corruption, having led the Nigerian team that negotiated the cancellation of 60% of Nigeria’s external debt ($18 billion) with the Paris Club in October 2005. She spearheaded Nigeria’s first Sovereign credit rating of BB—from Fitch and Standard and Poor’s—a rating that grouped Nigeria with other emerging market countries such as Vietnam, Venezuela and the Philippines.</p><p></p><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEieV8L-l7VUP-88ZQITKfcewvgqqSRy0y4TMeuf2hobE771jwm-jEA9KRFwBH5vlJtfBhb-fTfu4RQ-Hy6_vbGHFZexVGMavbT_tasNQR1Dh9eRtxEPZix_-E3pgYoys7kqHqeRTEVV4GiF/s1800/NOI.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" data-original-height="1800" data-original-width="1800" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEieV8L-l7VUP-88ZQITKfcewvgqqSRy0y4TMeuf2hobE771jwm-jEA9KRFwBH5vlJtfBhb-fTfu4RQ-Hy6_vbGHFZexVGMavbT_tasNQR1Dh9eRtxEPZix_-E3pgYoys7kqHqeRTEVV4GiF/w400-h400/NOI.jpg" width="400" /></a></div><br /><div class="separator" style="clear: both; text-align: left;"><br /></div><div class="separator" style="clear: both; text-align: left;">There is no doubt of the fact that Dr. Ngozi Okonjo-Iweala is a successful woman, driven by the desire for great achievements. How does she do it? one might ask. The answer is simple- equipped with the right skills, NOI is interested in finding solutions. This is evident in her track records. She makes the change, she creates the trend and makes things happen.</div><p>The journey to becoming the WTO Director-General wasn’t an easy one. Okonjo-Iweala had to contend with seven other distinguished candidates who were put forward by their respective governments. The candidate list was then narrowed from eight to five and eventually to two equally distinguished contenders; South Korean trade minister Yoo Myung-hee, and Nigerian Economist and former Finance Minister; Dr Ngozi Okonjo Iweala.</p><p>On 15 February 2021, the General Council agreed by consensus to select Dr Okonjo-Iweala as the organisation's seventh Director-General and the first female as well as first African to head the WTO.</p><p></p><p>Her appointment has been greatly applauded within the African continent and also globally. For many Africans, it is believed that this appointment will ensure that the interests of African nations are better mirrored within the WTO.</p><p>In a Jan. 29, 2021 interview with TIME magazine, Okonjo-Iweala’s says that global trade can help ease the COVID-19 pandemic, tackle climate change and restore faith in the system of cooperation that has faltered in recent years and the WTO has a central role to play as facilitator.</p><p>She will take up her post on March 1st 2021</p>UBA Grouphttp://www.blogger.com/profile/06995167439144713087noreply@blogger.com0tag:blogger.com,1999:blog-1527211876436873613.post-18045579997129320212021-02-15T13:26:00.001+01:002021-02-16T13:36:58.476+01:003 Money Conversations Every Couple Should Have.<p> </p><p><table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto;"><tbody><tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgv0IUyp1kCWDQNUngvq6XLYIyYEeCTPRzMzhBgvJZRM_efW3EEE77EdBpR8StureGnmdQcgIVN-s90zs2RejWygWVpMe2h9OXyQ0WsM4KGVXxaO2mFLMRPirXO9drUB5X7Vl1KEpjW86Q7/" style="margin-left: auto; margin-right: auto;"><img alt="" data-original-height="417" data-original-width="626" height="266" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgv0IUyp1kCWDQNUngvq6XLYIyYEeCTPRzMzhBgvJZRM_efW3EEE77EdBpR8StureGnmdQcgIVN-s90zs2RejWygWVpMe2h9OXyQ0WsM4KGVXxaO2mFLMRPirXO9drUB5X7Vl1KEpjW86Q7/w400-h266/image.png" width="400" /></a></td></tr><tr><td class="tr-caption" style="text-align: center;">Image: FreePik</td></tr></tbody></table><br /></p><p>Love is in the air, so are your stress levels and they won’t be coming down unless you make up your mind to have those money conversations you have been avoiding.</p><p>Money conversations are hard. Talking about money can be uncomfortable, the thought of sitting down with your significant other is a dreadful thought but your relationship is about to take a new turn and this conversation needs to be had. Having money conversations with your significant other will not only bring you two closer but will help you achieve your joint-financial goals.</p><p>Since Money is a very delicate subject we suggest you approach it delicately. If you haven’t had it yet, this season is a good time to have that conversation. </p><p>While there are many aspects to this conversation, we are highlighting three important questions to ask your significant other.</p><p><b>What Are Your Long Term Financial Goals?</b></p><p>Here’s the thing about this question, you get an insight to your significant other’s financial priorities without making them feel uncomfortable.</p><p>Everyone has long term goals and though these goals may seem far, it’s completely ok to have conversations about them. These goals might include things like going back to school, vacation plans, retirement plans, home ownership etc. but whatever they are, it’s good to know what your significant other thinks about their financial future.</p><p><b>How Much Debt Do You Carry?</b></p><p>Debt is an incredible burden. Majority of adults carry some loan debt so it’s likely that your significant other has some.</p><p>Find out how much debt they have and why. Also ask for details on how they’re paying it off. If this is a long-term repayment situation, it will almost certainly affect your life together and while having debt isn’t quite the deal breaker, it’s best to know how much debt someone has prior to joining your lives together. </p><p>If this isn’t a problem, go ahead and decide as a unit how to confront each person’s debt load.</p><p><b>Spending Priorities & Budgeting</b></p><p>You’ve talked about goals and debts, now is the time to get to the numbers part. Budgeting is an important part of the conversation that should not be left out. This is the one where you talk all things finances.</p><p>You want to know if you will you be joining finances and will have a joint account for expenses or if you will have separate finances. If you will be joining finances, you’ll want to know how much each person can spend without discussing it with the other person. In summary, it is important that both members are comfortable with the spending priorities and budgeting decisions.</p><p>In conclusion, financial compatibility will play a huge role in the success of your relationship. Identifying your money incompatibilities before a life-long commitment is very important and can save a lot of future pain and heartache.</p><div><br /></div>UBA Grouphttp://www.blogger.com/profile/06995167439144713087noreply@blogger.com0tag:blogger.com,1999:blog-1527211876436873613.post-11892453100738277232021-02-08T13:00:00.001+01:002021-02-09T08:20:17.553+01:00A Different Kind of Love<span style="font-size: medium;">Without a doubt, 2020 changed everything leaving us exposed and vulnerable.</span><div><span style="font-size: medium;"><br /></span><div><span style="font-size: medium;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi3Z7NHaxrbSu_mOl0xRGT4aAqH3KsRshbNZR1QTpJmkqwbFSEPyVU3PwMYCgcV7yqJBIRdfBQBui_9OtPd4j08f9mVOb65g1c4OsUeCDgM30s8fyoHvZ7g2TF3BMZvGjjao4aMfL4lvh-m/" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="1500" data-original-width="1000" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEi3Z7NHaxrbSu_mOl0xRGT4aAqH3KsRshbNZR1QTpJmkqwbFSEPyVU3PwMYCgcV7yqJBIRdfBQBui_9OtPd4j08f9mVOb65g1c4OsUeCDgM30s8fyoHvZ7g2TF3BMZvGjjao4aMfL4lvh-m/w427-h640/image.png" width="427" /></a></div><br /><br /></span><div><span style="font-size: medium;">The pandemic challenged all of us, showing us that life can change in the most unexpected ways, leaving us with no time to prepare. It has also taught us that regardless of race or color, are all connected.
Another important aspect of the human life that was changed by the pandemic is the way we now see relationships and human interactions. </span></div><div><span style="font-size: medium;"><br /></span></div><div><span style="font-size: medium;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh2nqfMWeMrRmkFqsW350gSNXxF-mCao_Qehyphenhyphen-w2AnCveT4PRVhKWslKK7FfRGid3zydfSNAUmM6Xp3RgSrreZ6SwYJnBeqZvXmuxefgQqLf-zC84BgTTg9bhxJnsX3pr7lBEZK7FsLmtN6/" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="750" data-original-width="1000" height="480" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEh2nqfMWeMrRmkFqsW350gSNXxF-mCao_Qehyphenhyphen-w2AnCveT4PRVhKWslKK7FfRGid3zydfSNAUmM6Xp3RgSrreZ6SwYJnBeqZvXmuxefgQqLf-zC84BgTTg9bhxJnsX3pr7lBEZK7FsLmtN6/w640-h480/image.png" width="640" /></a></div><br /><br /></span></div><div><span style="font-size: medium;">In the past, nurturing human relationships required time- physical time but this isn’t the case anymore as the dynamics of relationships have changed. In no time we had to learn the urgent need to priorities our relationships. We learnt patience and we had to understand people’s need for personal space. We have learnt to pay more attention and to know now the importance of being a listening ear. We also learnt the importance of sharing moments and wins no matter how little. Most importantly, we have come to realize that a simple “hope you are doing ok’ text can make a big difference. </span></div><div><span style="font-size: medium;"><br /></span></div><div><span style="font-size: medium;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjpZFe_BNxRMfbmi24_Sj6HxVGY_cgH9KdMpcNP2LyBMIjdiuUFIZ7b21d7xXCkkOXG5qxpfwqKagJCMeq_ISywyi-uFMKtDR-Lpoc5Fnwko95Zb3-Ov82zZbCvEq-MwHf5729D2UEstAIX/" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="474" data-original-width="750" height="405" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjpZFe_BNxRMfbmi24_Sj6HxVGY_cgH9KdMpcNP2LyBMIjdiuUFIZ7b21d7xXCkkOXG5qxpfwqKagJCMeq_ISywyi-uFMKtDR-Lpoc5Fnwko95Zb3-Ov82zZbCvEq-MwHf5729D2UEstAIX/w640-h405/image.png" width="640" /></a></div><br /><br /></span></div><div><span style="font-size: medium;">In a nutshell, thanks to the pandemic, there has been an enormous display of human empathy and we are here for it. </span></div><div><span style="font-size: medium;"><br /></span></div><div><div class="separator" style="clear: both; text-align: center;"><div class="separator" style="clear: both; text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgz3hAofV3bRSwLktuMo7qyqy7f0g_8e-_GWWw7ix1NcFwSRNMj5qvBBGOrW5Xw8KGx_tRbXSEia2Cmb1Q1p80DaiB0rKUNbLq31ALzahb8PnTs3GheLcg3kVphbiqJcqQxvQd2FIfOT50G/" style="margin-left: 1em; margin-right: 1em;"><img alt="" data-original-height="338" data-original-width="338" height="640" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgz3hAofV3bRSwLktuMo7qyqy7f0g_8e-_GWWw7ix1NcFwSRNMj5qvBBGOrW5Xw8KGx_tRbXSEia2Cmb1Q1p80DaiB0rKUNbLq31ALzahb8PnTs3GheLcg3kVphbiqJcqQxvQd2FIfOT50G/w640-h640/image.png" width="640" /></a></div><br /><br /></div><br /><span style="font-size: medium;"><br /></span></div><div><span style="font-size: medium;">This month, the love month, let us take time to reflect and look at the friendships that have blossomed and are stronger.</span></div><div><span style="font-size: medium;"><br /></span></div><div><span style="font-size: medium;"><div>To say thank you to the friends who regularly checked on us, sharing in our grief and in our joys. To the colleagues who offered to help with tasks, to the teachers who put in extra hours for our children, to our spouses who sat at meetings with our children while the cameras were turned on, to our bosses who were patient with us and most importantly to ourselves for not letting the pandemic break us. </div><div><br /></div><div><div>And for the friendships that fizzled out, now is a good time to renew them. You never know what a ‘hi, how are you doing’ can do. </div></div><div><br /></div><div><div>This Valentine’s day, show a different kind of love.</div></div></span></div><div><div class="separator" style="clear: both; text-align: center;"><br /></div><br /><span style="font-size: large;"><br /></span></div><div><span style="font-size: large;"><div><br /></div><div><br /></div></span></div></div></div>UBA Grouphttp://www.blogger.com/profile/06995167439144713087noreply@blogger.com0