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Know What Is Consumer Credit Before Showing Interest

Consumer credit, also known as consumer debt, refers to personal debt taken on to purchase goods and services. While any type of personal loan could be labeled as consumer credit, the term is more commonly used to describe unsecured debt of smaller amounts. Let’s delve into the details:

Types of Consumer Credit:
1) Installment Credit: This involves receiving a lump sum of money that is then repaid over a predetermined period through regular, equal installments. Installment credit is often used for significant purchases such as appliances, cars, or furniture. It usually offers lower interest rates compared to revolving credit.

2) Revolving Credit: Exemplified by credit cards, revolving credit provides an open-ended loan that can be reused indefinitely, up to the maximum limit. Users make minimum monthly payments, and the credit line remains open, accumulating interest on the remaining balance. However, revolving credit tends to have higher interest rates due to its lack of collateral.

How Consumer Credit Works:
Consumer credit reflects a portion of an individual’s spending on goods and services, including both necessities (like food) and discretionary purchases (such as cosmetics or dry cleaning services).
Economists closely monitor consumer credit use as an indicator of economic growth or contraction. Responsible borrowing can boost the economy, while reduced spending signals financial concerns and potential economic contraction.

Impact on Credit Score:
Both installment and revolving credit can influence an individual’s credit score.
Timely payments on installment loans contribute positively to credit history, while irresponsible use of revolving credit (like credit cards) can lead to a decline in credit scores.
Examples of Consumer Credit:

Consumer credit encompasses various financial products, including:

1) Credit cards
2) Car loans
3) Personal loans
4) Student loans
5) Mobile home loans
6) Home improvement loans

Remember, responsible management of consumer credit is essential for maintaining good financial stability. 🌟

Benaj TV

What Sabinus said about Davido. “You can’t stand beside me and say something neg*tive about Davido. I won’t let you. Even my woman knows. We have a portrait of Davido in our living room. After over a decade of being an underground comedian, Davido was the first big artiste who showed me love. He shared a video of him watching my skits on his Instagram handle. I message him to express gratitude and he sent 2M Naira to get good equipments and start shootings high quality skits. God Bless him forever…”

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The Cockroach Theory

The cockroach theory for self-development

At a restaurant, a cockroach suddenly flew from somewhere and sat on a lady.

She started screaming out of fear.

With a panic-stricken face and trembling voice, she started jumping, with both her hands desperately trying to get rid of the cockroach.

Her reaction was contagious, as everyone in her group also got panicky.

The lady finally managed to push the cockroach away but ...it landed on another lady in the group.

Now, it was the turn of the other lady in the group to continue the drama.

The waiter rushed forward to their rescue.

In the relay of throwing, the cockroach next fell upon the waiter.

The waiter stood firm, composed himself and observed the behaviour of the cockroach on his shirt.

When he was confident enough, he grabbed it with his fingers and threw it out of the restaurant.

Sipping my coffee and watching the amusement, the antenna of my mind picked up a few thoughts and started wondering, was the cockroach responsible for their histrionic behaviour?

If so, then why was the waiter not disturbed?

He handled it near to perfection, without any chaos.

It is not the cockroach, but the inability of those people to handle the disturbance caused by the cockroach, that disturbed the ladies.

I realized that it is not the shouting of my father or my boss or my wife that disturbs me, but it's my inability to handle the disturbances caused by their shouting that disturbs me.

It's not the traffic jams on the road that disturbs me, but my inability to handle the disturbance caused by the traffic jam that disturbs me.

More than the problem, it's my reaction to the problem that creates chaos in my life.

Lessons learnt from the story:

I understood I should not react in life.

I should always respond.

The women reacted, whereas the waiter responded.

Reactions are always instinctive whereas responses are always well thought of.

A beautiful way to understand

LIFE.

The HAPPY person is not because Everything is RIGHT in his Life.

He is HAPPY because his Attitude towards Everything in his Life is Right!

credits to: Divya Bhrambhatt

*NO ONE ELSE CAN INSPIRE YOU TO BE SUCCESSFUL, LIKE YOURSELF.*

*1. Push yourself, because no one else is going to do it for you.*
*Be dutiful and positive thinker*

*2. Sometimes ‘later’ becomes ‘never’. Do it right now.*
*Don't procrastinate*

*3. Great things never come from comfort zones.*
*Strike more harder*

*4. Dream it. Wish it. Do it at an appropriate time.*
*When you are afraid to invest, Wealth remains a Dream.*

*5. The harder you work for something, the greater you’ll feel when you achieve it. Don't ever relent*

*6. Don’t stop when you’re tired. Stop when you’re done.*
*Be an achiever*

*7. Wake up with determination. Go to bed with satisfaction.*
*Be fulfilled*

*8. Do something today that your future self will thank you for.*
*Prepare to pay the supreme price for success*

*9. It’s going to be hard, but hard does not mean impossible.*
*Be focus and dedicated*

*10. Sometimes we’re tested not to show our weaknesses, but to discover our strengths.*
*You have all it takes to succeed*

*11. A lot of ”no” will come your way just be patient, some powerful ”yes” will turn up.*
*You shall break through*

*Remember God does not bless an empty hand, be consistent, change is on the way.*

*So wake up and take responsibility for your future*

Is Lagos a No Man's Land?

First of all, let us go into the origin of the names of some strategic places in Lagos.

Eti-Osa is actually a Yoruba word, but it is a Yoruba word of Bini origin, accepted into Yoruba language.

It is a compound word. The word Eti is fully Yoruba. However, the word Osa has its root in Bini language. It means sea, which is the same meaning in Yoruba today.

The Binis have two words for big bodies of water. The first is osa, which is more like sea. And then okun, which we can term ocean. It is just like the word sachet. Yes, sachet is now an English word, but it is a French word accepted into English language, like entourage, genre, apostrophe, ballet, cadet, cliche, etc. All those words are French words accepted into English.

Eti-Osa should not be confused with Etinosa, which means the power of God in Bini. Etin and Eti are two completely different and unconnected words. And Osa (God in Bini) id pronounced differently from the Bini word for sea, Osa. But they are spelt the same.

Even the name for Lagos, before the Portuguese renamed it Lagos (Lagos means Lakes or lagoon in Portuguese) is of Bini origin. That name is Eko. And the name of the palace of the Oba of Lagos, Iga Idunganran, is a Bini phrase.

Eko means barracks, or war camp, in Bini language. It was used to describe Lagos because it was a military base of the Binis.

If you lived in Benin, or attended the University of Benin, you would know of a place close to Ugbowo called Eko-Oshodin. It is very popular with students. Eko-Oshodin simply means Oshodin's war camp.

The word Eko-Oshodin has been corrupted to Ekosodin by non Bini speaking students who largely populate the environ as a satellite town to the Ugbowo main campus of the University of Benin. Just like the street Papal Via was corrupted to Akpakpava. It was called Papal Via, because that was where the first Catholic priests sent by the Pope stayed. Papal Via simply means Pope Road.

Through enculturation and acculturation, some Bini words became part of Yoruba and Itsekiri lexicon. If a Yoruba or Itsekiri speaks their native tongue, a Bini person will understand about 6-7% of what they say.

On February 24, 1851, Oba Akitoye of Lagos actually wrote a letter, which still exists, to the then British Consul, John Beecroft, clearly stating that Lagos was under Bini suzerainty.

Even the current Oba of Lagos, Oba Rilwan Akiolu, admitted on video that he and his lineage are of Bini origin. Please Google the interview he gave to Channels TV.

But as to whether or not Lagos is no man's land, no it is not. When the Binis got there, they met Awori, and other peoples now loosely called Yoruba.

It is important to state that even the word Yoruba is a fairly recent word, coined by Samuel Ajayi Crowther. I know what it means and it is offensive. So I won't say it.

The more accurate name of the people is Omo-ti-Olu Iwa-bi. And etymologically, they are classified as Edekiri people.

Reno Omokri

Gospeller. Deep Thinker. . . Ruffler of the Feathers of Obidents. #1 Bestselling author of Facts Versus Fiction: The True Story of the Jonathan Years. Globetrotter. Hollywood Magazine Humanitarian of the Year, 2019. Business Insider Influencer of the Year 2022.

Genevieve Nnaji is the highest paid Actress based in Africa.

Netflix reportedly acquired her 2018 movie, Lionheart for $3.5 million in 2018.

She was paid £95,000 to star in the 2011 movie, The Mirror Boy.

She was paid $25,000 to star in the 2010 movie, Ije: The Journey.

AFZ

DEAR SME.

In 1806, a young lad was born to two wretched labourers, somewhere in the western world.

All this lad knew throughout his childhood until adult was poverty, lack, want, and wretchedness.

They were so poor that the neighbors in the poor community were also referring to them as POOR.

Their poverty was 2X raise to the power two, this is just to make you see the depth of their poverty and how wretched they were.

However, this was set to change when this young lad's mom was about to give up the ghost.

You would ask me how?

Lying straight on her bed plagued with a deadly disease, with no hope of recovering, she called her son and mutter these words to him with stammering lips.

"Our lives would have been better, we shouldn't be this wretched, and don't ever say in your life that God brought this upon us. We are wretched only because your dad didn't DESIRE for anything else in his lifetime"

Wow….

You should read the last line again….

Read again here…

"We are wretched only because your dad didn't DESIRE for anything else in his lifetime "

Slow your pace, read again until they make sense to you.

Those words were what change his paradigm in a twinkle of an eye.

Immediately, his appetite for wealth became hieghtened and it soon became his day-dream.

His appetite and desire was what compelled him to develop a system that made him the first millionaire in his community.

My message to you this morning is very simple.

How badly do you want to succeed in your business?

How badly do you want your business to blossom and grow beyond measures.

How badly do you want your online business to take shape and start bringing in the millions?

How badly do you want your brand to become GLOBAL?

If you want it HARD enough, you will do everything possible and off course legal to ensure you make this your reality.

I know you have prayed and envisioned how your day will come.

But if you don't want it hard enough it will affect your EX*****ON.

This is a new week sis…

Will you start being INTENTIONAL about going GLOBAL or you will allow life to happen to you?

Will you start investing a die hard work ethic to see that massive expansion in your business or you will still sleeping on a bycicle?

Will you start Executing Ruthlessly or you will leave it to what will be will be?

Sis I'm sorry to break it to you.

What will be will not be…

What will be will only be if you make it to be…

The extent to which you will succeed it's in your hands.

If you're still looking for a deeper motivation to take your business serious and increase your financial strength I don't know what to tell you.

If the quagmire and the happenings in Nigeria isn't enough to motivate you to take your business seriously I don't know what will.

The growth of your business is in your hands.

The expansion of your brand is in your hands.

Only you and you alone can make your dreams come true.

Now Get To Work.

Thank You 🙏🏽