Many of us didn’t start out from a rosy platform. The only luck we had was our ability to overcome bad luck as many circumstances were orchestrated to hold us down to a life of mediocrity. But thank God that a lot of us found a way to rise above our background to a platform
Between 2009 and 2010, I lost almost a million naira from the Pozi spree of that period. I started investing with my greed cheering me instead of my senses directing me. I see that the trend is back and many are also hurrying to the slaughter with their senses safely tucked away. I felt I
My friend Shewa told me a story of how she successfully managed her home when financial crisis hit them. Shewa is not the regular power girl but lived almost as one. She got married to an average beginner and their love for each other kept them strong. Beside their love story, Shewa and Andrew built a
“Do not save what is left after spending, spend what is left after saving”-Warren Buffet Saving money is the ACT of wealth creation while what you do with your savings is the ART of the game. To prosper and build wealth, you must master both but the “ACT comes become the “ART”. One way to
Leadership is simply a walk that inspires others to follow suit. Leadership is first about what you do or are with yourself that inspires others to follow your pattern. Things that people look at in order to follow your lead include your passion and consistency in what you do and then, your results i.e. the
WHAT IF MY FAMILY DOESN’T SUPPORT ME? I don’t remember who, but someone asked this question here about 6 months ago. If it was you, I’m sorry. I wasn’t ignoring you. Even Mr. Phenomenal lacks words sometimes. I don’t remember your name, so please permit me to call you Frank. Frank, I want you to
This piece was inspired by my very good friend Shewa, it is a story based on how she successfully managed her home when financial crisis hit. Shewa is not the regular power girl but lived almost as one. She had gotten married to an average beginner and their love for each other kept them strong.
Don’t be bothered about the title, we’re not going anywhere. This is to inform you that our flagship program (The Smart Business Teleseminars) will be going on a hiatus until 2nd February, 2017. We will however be playing reruns of previous episodes in the meantime. The program schedule will be communicated to you via email.
You say you want a mentor but you act like you need a savior and it is okay, I am not here to judge you, who I’m I? Once upon a time I too wanted a savior. But look around you and all the people you respect, somewhere in their story you can tell they
We all wish to have a good life, it’s our earnest desire to do, be, and have great things. Yet, most people are not achieving their expected result while wishing is the highest some others do. Regardless of your personal experiences and lack of resources, we all have the ability to create the life we
The purpose of financial statement is to provide reliable information about the financial position, results and relevant changes in financial performance of a company or business. Listed companies use financial statements as one of the major medium of communication with their equity shareholders and public at large. When these financial statements are released, they can
So you think anyone and everyone owes you something? I’m always sorry to be the carrier of a bad news, but beside that person that has refused to take your calls because of the 5k you loaned him, nobody owes you nada, not even your parents. When I started my hustle, people were so mean.
The success of a business has never been a function of how beautiful its products look or how unique it appears. To remain in business profitably and do so for long, customers’ patronage must be gained and sustained. This is important for all businesses but even more important for startups that are still very new
Why Your Dreams Are Not Coming True: Why Your Vision Board Is Not Working I have been Vision Boarding for almost a decade or more. I am here to share with you one reason why your vision board is not attracting the results you desire. Someone asked if he had to get the CNN Logo
The world’s economic outlook has been in a sorry state for a while now with many economic indicators pointing downwards. According to theguardian.com, concerns such as slump in energy prices, Hard landing about the Chinese economy, US growth worries and the likes can be held responsible for this. We can authoritatively say that the world
Who Anointed Us God Over Your Life? No One Deserves All That Power “Remi did not accept my friend request” “Gloria did not read my bbm message” “Daniel took 2 weeks to reply me” “Greg did not like the post I tagged him in” “Tinuke read my message and did not reply” “Chibuzor replied everyone’s
You might be reading this and you might be suffering. Because you think “Everyone” seems to be “making” it. “They” know what they want, how they want it, when they want it & they are getting it. You are wondering when or if you will ever find the answers. You are looking forward to the
“I am Powerful” “I am Confident” “I am the head and not the tail” “I conquer every territory” “I am GREATNESS” I had a journal for confessions, I created a podcast with my voice and instrumental and I would wake up and recite pages and pages I “thought” that if I recited it enough I
Weight gain is a road less traveled these days. You hear more of weight loss and fitness stories. It is pertinent to know that some people want to gain weight but seem not to understand how to go about it while some may be asking questions like ‘ why am I adding/gaining weight’. Below, I
This is an attempt at sharing similar lessons from relationship break-ups and giving up on our dreams. Let me know your thoughts. There is a mushy feeling that comes with finding that special person who captivates your heart. That feeling that makes you feel like you’ve got the best person in the world as lover.
Pregnancy is a phase in the life of a woman where whatever she takes in is of utmost importance. She needs to pay attention to her health as well as the unborn child 1. Too Much Caffeine Caffeine is easily absorbed by the pregnant mother and passes very quickly to your baby. Unfortunately, an unborn
Welcome to this week’s capsules. My apologies I couldn’t bring them your way yesterday as usual. My schedule has been crazy lately. Last week, we began looking at the sixth factor necessary for building the confidence to pursue your dreams. This I noted was overcoming derogatory statements. Today, we will be looking at more practical
Welcome to this week’s capsules. This week, we will be looking at the one of the factors considered when building confidence, quite similar to last week. It is Managing Derogatory Statements. 1. Know That You Will Be Misunderstood Like I shared in one of our previous capsules, small minds don’t understand what great minds do
Welcome to this week’s capsules. My apologies for being unable to bring you your capsules last week, I had an engagement which lasted virtually the whole of Monday. Two weeks ago, we rounded up on the forth factor required for building confidence to pursue your dream which is talking. Today, we begin looking at
Welcome to this week’s capsules. We last began by looking at the concept of Talking, the forth factor for consideration in the topic Building Confidence to Face your Dream(s). Today, we round up on Talking with the experience of a close friend and former colleague who used his mouth to talk his way to greatness.
Hello People, Guess what’s new? Weekly capsules will now come in form of short videos. This is aimed at aiding audience participation as well as saving time. So hurry, get clicking and tell me what you think about my first video capsule…
Earlier today, I planned changing the bulb outside of my apartment before leaving for work. So, I got a ladder and as I climbed; GBASH! I fell. This incident got me thinking a bit after I nursed my wound. Every entrepreneur has had a ‘gbash’ moment at some point. I say this at the risk
Many people have argued this point overtime from both sides with valid points to back up their views but the truth still remains that social media has unexpectedly evolved in to our modern day business card.
I was at the reception area of a private specialist hospital on Tuesday afternoon. The space has a really lovely ambience; very peaceful and untroubled. The atmosphere was therapeutic enough to heal a troubled soul. I particularly fell in love with the antique furniture beautifully arranged through the reception area. I love the smell of
Even though it has become a risk to have a job as your only source of income, it is shocking to know that the number of people searching for jobs (in the name of looking for financial security) on a daily basis is on the increase. Heck there are lots of sites online these
The word Eat Fit might be new to you and that is okay as the purpose of education is to gain knowledge. What we eat and what the people we date eat, in many ways, determine the type of and quality of the relationships that we have. Think about it: you always have to stay
I am about to do something contrary to the topic of this post just to overemphasize my point. I have been abhorring this in my mind for a while now and i am sure a lot of celebrities can relate to this. Posting on social media when angry or exited can come naturally to us
” My grandmother once told me that the reason babies are born with their little hands tightly clenched is so they don’t drop their gift to the world. This is one “old lady’s tale” I choose to believe: the solution to every problem we have is in our children. We must do everything we can
On Friday, I was invited to Channels Television to speak about the benefits of the latest Facebook LIVE feature to businesses. The video can be found here. However, even though Facebook Live has finally launched worldwide, it’s been impossible for many users to use the feature within Facebook Groups. The following error message usually appears.
Weekly Capsules (What You Say, You Get) Welcome to this week’s capsules. Last week we rounded up on Believing, rthe third factor required for Building The Confidence To Face Your Dreams. This week, we will be looking at the forth factor which is Talking. Talking? Sounds funny right? Maybe. As funny as it may sound,
Aspartame is approximately 200 times sweeter than sucrose. Sucrose is the form of sugar known as table sugar. It is used as an artificial sweetener in drinks and some foods. Foods That Contain Aspartame Currently, it is consumed by over 200 million people around the world and is found in more than 6,000 products including
Everyone has that awesome believer of a personality growing up right? For most it’s the all conquering super Mum. I belong to that group. You see Mum has been my super SHERO for as long as I can remember and over the last few weeks I have had the privilege of working with her .
The latest Africa Wealth Report by NEW WORLD WEALTH reveals that there are now over 160,000 millionaires in Africa. Are you one of them? I am not, FOR NOW. However, I am certain that there is always room for new entrants. Ever wondered why most lottery winners or jackpot hitters aren’t able to sustain their
Hey There, Wouldn’t you like to know how to get the edge on brand execution? Wouldn’t you like to figure out how to get customers’ attention and keep it? If yes, your biggest headache would be The Sahara desert of Uniformity. And it exists everywhere! It’s a situation in which others view your brand the same as
Hello people, Welcome to this week’s capsules. Last week there were no capsules, courtesy of my new baby. Still trying to adjust to the routines of a two-time mum. My apologies… Two weeks back, we looked at the second step to the topic, Ten Steps to Building Confidence to Pursue Your Dream. This week, we
Hello there, welcome to this week’s capsules. Last week, we began looking at the second step in Building Confidence to Pursue Your Dreams, and I noted that creating a mental picture is that second step. I will be rounding up on this second step today with the story of a close friend. I had this
Ebenezer a successful graphic designer and animator got a contract by ABC Incorporated (not their real names) to design their company logo and an animated video introducing their most recent product to the market. A meeting was fixed between Ebenezer and the company’s executives where issues like the fee and terms of agreement were
A few things thrill me more than having the privilege of writing and engaging with youths on the subject of ENTREPRENEURSHIP . Imagine if you could speak or relate with the Mark Zuckerberg of 15 years ago . Not the Forbes famous one of 2015 but the red- faced and all-star wearing genius of 2000.
The future of social media marketing is gradually shifting in to videos and this is the reason social networking sites like Facebook and Twitter are gradually restructuring to accommodate more video content, the good thing about Instagram is that they listen to what their users need and deliver. If you have not yet noticed, some videos on
Entrepreneurs don’t have to produce ‘sweat ,tears and blood ‘. Most times it comes cheap but even cheap is built on the foundation of unadulterated hardwork. This piece is centered on the entrepreneur himself and will no doubt impact on his business plans and decisions. Most great entrepreneurs have been known to command high worth
A contract was given to Ebenezer a successful graphic designer and animator by ABC Incorporated (not their real names) to design their company logo and an animated video introducing their most recent product to the market. A meeting was fixed between Ebenezer and the company executives and issues like the fee and terms of agreement
If there is one thing the entrepreneur , intrapreneur and all other classes of ‘preneurs’ don’t do enough, it’s APPRECIATION. This isn’t about giving your boss a thank you gift or taking your team out for a well deserved lunch, it’s about YOU! Yes you ! When last did you truly appreciate your effort and
It was a rainy Saturday. Looked like the heaven was on a crying frenzy. Inside was a different case entirely. Alex with both feet on the table was a sight to behold. Suddenly, something happened. The setting wasn’t a familiar one. Who were all these people? They seemed an elite breed. Bow ties here, tuxedoes
Hashtags still remains one of the most reliable ways to gain instant followers and likes on Instagram if done well and more people are beginning to realize that these days. By using the right Instagram hashtags you can extend the reach of your images, and this can help you reach outside your current sphere of
One of the challenges facing entrepreneurs is the issue of cash. In business , cash is oxygen. You have it, you are a hail-fellow. You don’t? Well we’ve all been there. Amidst the exchange woes gripping the nation currently, there is hope. Wailing about how terrible the economy is won’t add more zeroes to your
“I can remember when I was in primary school, I would go and buy cartons of sweets and I would start selling them just to make money. I was so interested in business,even at that time”- Alhaji Aliko Dangote Dear Young Friend, I had to begin with the quote above to make an emphatic statement
Many smart (small) business owners knows that Instagram is a good place to market their business on the internet. However, due to the changing discovery algorithm and increasing competition, you need to raise your Instagram game. One of the best ways to do this is to use some mobile applications that would help you to
Coffee is awesome. Coffee is a brewed drink prepared from roasted coffee beans, which are the seeds of berries from the Coffee plant. The Coffee plant is native to subtropical Africa and some islands in southern Asia. The plant was exported from Africa to countries around the world and coffee plants are now cultivated in over 70 countries, primarily in the equatorial regions of the Americas, Southeast Asia, India, and Africa. The two most
Results are key. When it comes to achieving results, there are tips that are needed. These tips may be more or less but I will be sharing 12 tips with you. Stop making excuses We use barriers as an escape clause for dealing with pain and discomfort. Sometimes it’s easier to use an obstacle
Many people when they start a business think that the registration of a business name is the best, because of the financial costs of the registration. However many people do not know the difference between the two and the implications. Every entrepreneur starts business by registering a company. A company is an enterprise that is
My phone rang today and I was excited to know that it was one of the teens that attended one of our training workshops in 2014, calling to touch base! I almost could not remember who she was even after introducing and describing herself, until she mentioned an interesting conversation I had with her in
I grew up in one of the lowliest of all places. We played football in the open space beside an uncompleted building. There were a number of boys in the area. Most of whom are still resident there (that is not a bad thing) but are not progressing mentally, physically and spiritually. A man must
Welcome to this week’s capsules. In this new capsule series, we began looking at the steps to building confidence to face your dreams. Last week, we began looking at the first step, the Judgment day exercise. Today, I’ll be giving us a practical example of the judgment day exercise as it applies to career fears.
So after losing 40kg the natural way and helping so many people do the same through the TMP Academy, I have to say that the most frequently asked question is, “How can I lose weight?” Though I strongly believe that we are all unique and after working with over 80 men and women in 7
The Idiot’s Guide To A Compelling Sales Pitch is a simply explained compelling sales pitch guide. This is not the conventional ‘how-to’, or ‘dash-and-dash steps’ sales pitch for the header above. (no pun intended) It’s just a few lessons I’ve learned – written simply. I have concluded that people don’t have a problem with selling. What
Have you ever met some real gentlemen to the core…I’m talking about those who treated you like a lady and made you feel so special? Can you remember feeling valued and respected with the way some of them spoke to and related with you? I have also experienced the flip side. I have met some
Hello, glad to announce to you that weekly capsules are back! Before the break, we began a new capsule series tagged Building Confidence to Pursue Your Dreams. In the last capsules before the break, I promised to share one simple strategy used in combating and overcoming fear tagged Judgment Day. For those who missed out
When I think of the word excellence, I imagine the best quality there is. Personally, professionally and in all you do and are about, excellence is simply being way above the pack. Being outstanding in the way you look, the way you come across, your character, your deportment, the way you behave, your reaction to
Lactose is a disaccharide sugar derived from galactose and glucose that is found in milk. Lactose makes up around 2–8% of milk, although the amount varies among species and individuals. However, the inability of the enzyme lactase which is the digestive enzyme for lactose may lead to intolerance or allergy. These two conditions most times
Starting out a new job, business, idea almost always comes with euphoria. But it doesn’t always last. Like the proverbial bubble, it bursts suddenly, and reality sets in. It’s still the start of the year, and I bet the bright lights of entrepreneurship are calling, again. How do you handle that? To be fair, who
When I say 5 foods rich in good fats i mean omega-3. The omega-3 fats are regarded as good fats. Whatever meal is consumed at any time of the day, be sure to have this fatty acid in you diet. Below are readily available foods that can be consumed. 1. Fish: A Great Source Cold-water
Ann is a 21 year old who talks like one in her late 40s . You can’t blame her though , she knows where she is going and like James Allen said “the world steps aside for the man who knows where he is going.” Lately she has seen her motivation take a huge hit
There is certain man in the Bible called Ezra. Something remarkable was written about him that i would love to share with you. Ezra had determined to study and obey the law of the Lord and to teach those decrees and regulations to the people of Israel. Ezra DETERMINED to study and obey and teach
A fortnight ago I heard news that a grand aunt was in a coma. I thought and voiced a possibility that she might die, and I heard my cousin hiss and say ‘God Forbid’. I was forced to think; what in our dear country do we not ‘God Forbid’? At 95 what else did she have
Imagine a scene from a Hollywood movie. A person is taken to the police station either because of a misunderstanding at work or he got caught with circumstantial evidence pointing to his involvement in an offence. Can you guess the person’s first statement before interrogation commences? More often than not, it is “Can I call
We taught growing up that balanced diet i eating the six classes of food in the right proportion. However, as I grew older I realised it goes beyond that. As an undergraduate at Bowen University, I realised that most females would order for a menu and have the following; rice, beans, meat, fish, egg and
Many individuals often do not realize that their career decisions are sometimes taken unconsciously. And this trend only get confirmed during career coaching sessions. When the subject of career decisions or choices comes to mind, one fundamental fact must be accepted – A choice is, most often, nothing more than a best guess – a
2015 was the year that heralded the song that smashed You tube nation. 1 billion views in less than 90 days and a song writing period which spanned 6months. It’s best to leave the stats for the Internet to coo over. However,this piece isn’t centred on the phenomenal achievements of Adele. It’s yet another attempt
My fascination with investing, trading and compounding started in the first half of 2007 when a couple of stockbroker acquaintances of mine first introduced me to the world of capital investing i,e, making more money from your money. As an undergraduate in my penultimate year, I vividly remember my initial reaction the first time when I
Have you ever found yourself in a situation where you could not enjoy a pleasant conversation because the other person’s breath is a stench? I tell you, it’s not a good place to be. It feels like you are between the devil and the deep blue sea. What do you do? Do you just stop
The current entrepreneurship scene has had it’s own fair share of sleek intros. However, the state of the economy currently requires a paradigm shift from business as usual to value like never before. The business card is the poster boy of entrepreneurship especially amongst generation next but sadly most business cards are more about ego
If you are reading this, you are some ways connected to the business of Social Internetechnology. Yes new word alert. then you have heard of Snapchat…and Instagram. Okay you have. You may also have heard that Facebook bought Instagram for $1b. [I did the painful task of converting to naira and eyed my ancestors for rearing only chickens
Many years ago, while attending High School in the city of Lagos, a junior student asked me a pertinent question. “Senior Segun, when you are through with high school, what next?” I paused for a while then answered. “I plan to study engineering at the university and become a chemical engineer.” In that moment, I
Last week’s episode of The Smart Business Teleseminars (w/ Jimi Tewe) was the 36th. That made it 9 months of delivering high-powered content from Africa’s finest, straight into your living room at ZERO COST to you. The Smart Business Teleseminars wasn’t created for millionaires. It was made for the clueless and uninformed – the future
The New Year rolled in about two weeks ago and everyone is back in the grind, chasing their dreams, goals and aspirations, strategizing and re-strategizing for the year. One thing I have learnt from my short experience at life is that you are the author and writer of your own success story and you can
I have discovered that within personal and professional space one will always encounter people who are rude. This could be in terms of their attitude, behaviour or the way they speak. I have personally had people make some rude comments about me, all in the name of trying to be funny, but it was completely
I had an experience a few months ago which everyone can learn from. I was out of town and had to go on a few flights to get to my final destination. I knew I had long flight hours ahead of me and I wanted as much comfort as I could get, so I chose
There is always a question I find a little tough to answer about where we have missed it as a people, in terms of respect for the individual. We are gradually losing one of the greatest values that defined us and set us apart in the last two or more decades. So what went wrong?
You may not totally agree with it but life is governed by a set of rules; a football player must learn the technicality of the game to enter into the professional league. Whatever industry you find yourself there are set of rules that the people before you have applied which has given them positive results
How To Massively Win Customers To Your Business The brave may not live forever but the cautious do not live at all ~ Meg Cabot. I hope your shock absorber works, I’m about to bump your thinking. If you are reading this, you must have the all consuming passion to set up a business part time
Hi, Its me again 🙂 We are continuing from last post and this is How To Boost Your Business Part 2 We talked about the Projected Zones and how they help boost your business. The next and last zone to deal is the The Red Zone ~ this is where businesses fail. The red zone can be an
Hey there, Here’s how to boost your business [using the power of Projected Zones] I’m sure you know Coca-Cola, Unilever, KFC, ExxonMobil, SC Johnson, DHL, more recently, Netflix and Tesla…businesses you know have stood the test of time. For tens to hundreds of years they have watched our every move and lack of thereof, and built
Hey Guys. Welcome to How To Start A Business Anywhere In The World Part 2. Last post we covered how to get a business idea, how to start with the idea and a few questions you need to ask yourself to get started. Did you miss it? Don’t break a sweat! It’s right here. Now,
Hey There! Another story for you, I love stories…hehehe Last saturday Jan 16th, I was part of an all-day crunching, slam-dunking, mind sparring training session with one of my coaches and I was blown away…arrgh!!! SO WHERE DO I BEGIN? This is the question you may be asking yourself. Maybe you want to start a
Hey Guys, Here’s a story. I stumbled into my first business at the age of 19. I went on to successfully own other businesses as I grew. Back then, I didn’t know the term for that was serial entrepreneur. [I don’t like the term much either]. I was not able to maximize my potential in those days
When I discuss my diet or meal plans with people, they don’t need to respond. I see it in their face. When they respond, it is mostly; “I can’t do without…” “I can’t eat that” Today, I am not dealing with your self imposed limiting belief, I want to talk to you about Acquired taste.
There was a time in my weight loss journey that I could not stop trying to lose weight. Not because I wanted to keep going, but because I was stuck in a place called Liminality. I hated it, I had tried so much and put in so much effort but it seemed that everything I was trying
For a very long time, I was very comfortable not knowing my weight. I mean, the scale was in the room, I walked passed it everyday. Even when I put it out of sight, I still knew where to find it. I did not want to know my weight, when I weighed 101kg, my clothes
In 2015, you thought it made sense to just buy unhealthy meals over healthier meals. It’s cheaper and more filling. It made sense to buy a new phone, or new laptop, move into a bigger apartment than it was to register at a gym or hire a coach. It made sense to drop by the
It is the 24th of January 2016, as you can already tell, time waits for no one. Just the other day we celebrated the new year and we made promises to ourselves and to our families and here we are, 4 days later and you are still waiting for all the stars to align before
I am so sad I am so fat I am so weak I am tired I can’t make it It is too hard I am going to die I was born to be fat I am not fat I am just big boned gosh… just typing that out is giving me headaches and bad vibes.
Don’t blame your emotional incompetence on anyone’s emotional inability… If you want to ever lose weight or achieve anything significant in your life then you need to ensure you build your self reliance muscle. Nobody is under any obligation to save you. Not your spouse, not your parents and not your kids. I mean it
Yesterday, while I was working on my new book and suffering from a severe lack of inspiration. My friend called me out of the blues, unfortunately a child was playing with the horn of the car downstairs and it interfered with the first 20 seconds of the call. Usually I would roll my eyes in
On the 10th of October 2015 I attended the “Mastering the Business of your Talent” Masterclass with Steve Harris and his guest speaker was Leke Alder. You can imagine what an experience that was but this post is not about the content of the class per say, I want to lift a term that John
Any time I have the chance, I tell people, stop buying products! Hire a coach. With a coach you can go back and forth, with a coach you have supervision, you are accountable, with a coach you get clarity, with a coach you stay motivated, with a coach you set better and more realistic goals.
Very few people will buy a product the first time they see it. They’ll have questions they want answered and more important, they’ll want to have some trust in you, your blog, and the product you’re promoting. Look at your own purchasing habits. Whether you’re shopping online or offline, you rarely make impulse purchases. You
I believe many would argue with me on the above caption but instead of putting forth a defence for the caption why don’t you read till the end before you do so! Today’s post is borne out of my experience as an employee with two different entrepreneurial-type organisations. Both had one singular trait in common
In 2010, I began working with arguably Nigeria’s largest multinational oil and gas corporation, [name witheld]. I got promoted three times in 18 months. This was both unheard of and for many challenging to accept for obvious reasons. If you have a job or have a friend who is working for any organization, I suggest
Live Your Dreams “…you can’t eat ideas or pay rent with dreams.” – Ben Carson , MD. Around 14 years ago in Lagos, I came across an elderly man of 65 years old whom later became my friend (though, he often joked that he was my protege).* He was a retired school teacher, but his
I experienced some good Customer Service a few days ago and would like to share. It happened at one of the friendship centers of a telecommunications office. I was not expecting that level of service because I have not experienced one as good as that in a long time, and that is the truth. The
I stood watching people shuffle in for the event, due to start in a couple of minutes. Some had smiles on their faces, probably anticipating the event and eager to listen to the speakers. Some others had rather serious expressions on their faces. Others looked nervous, as though they would lose their energy by being
If I had to define Disposable Income, I would simply say it is the income earned that I can spend. To the economist, it is more detailed and defined as income available for spending and saving after necessary deductions have been made. Here is where the paradox kicks in, SAVINGS and SPENDING. At this point