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Get Better or Get Beaten University of Ilorin 1 st March 2011 - Niyi Yusuf.

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Presentation on theme: "Get Better or Get Beaten University of Ilorin 1 st March 2011 - Niyi Yusuf."— Presentation transcript:

1 Get Better or Get Beaten University of Ilorin 1 st March 2011 - Niyi Yusuf

2 Hopefully You will gain some new insights and/or learn something You will decide to do something differently after this session You will have fun

3 The past 24 months have seen unprecedented change in the global economy

4 Global Economic Outlook : “Efficient Growth: more for less” Headlines The outlook for 2011 Slower and 3-tier growth Inventory restocking, stimulus/consumption, savings Capital, jobs, regulation, housing Manufacturing, services, government Long-term challenges Economics: trade imbalances, demographics Politics: governance, institutions Perfect storm: food, water, energy, biodiversity Technology disruption Implications for business Beware flat line thinking Multiple lens and boardroom assumptions Economics and politics are balanced Board agenda: Growth, innovation, cost, complexity Timeframe and Horizon 1/2/3 Perfect Storm: Number 3 ! 3 crises: credit, trade, jobs 3 rebalancing: govt debt, consumer debt, bank recapitalisation 3 growth rates: high, medium, low 3 questions: US economy, decoupling, sovereign debt default

5 Africa Outlook Sub Saharan Africa: Average Real GDP Growth 2010-11  Improving trade, energy and commodity prices  Expansionary policies & increased spending on health, education, public infrastructure  Improved business climate  Political uncertainty is a huge downside risk  Long term growth based on Talent, Resources, Consumers, Innovation and Capital  Africa holds  10% of the world’s proven oil reserves,  40% of gold,  65% of Diamond,  60% of uncultivated arable land,  80 – 90% of chromium & platinum group metals

6 Copyright © 2010 Accenture All Rights Reserved. Nigeria Economic Outlook - Stable medium growth IF we do the right things The outlook for 2011 - 12 Peaceful & credible 2011 elections Steady oil prices (>$70/b) and calm Niger Delta Implementation of National Content, PIB & downstream deregulation AMCON and resolution of bank crisis, PMI, improved lending/access to credit PHCN privatisation, power reforms and more IPPs Improved FDI inflows and increased South-South trade Public Sector Reforms & Spending Focus on Job creation, youth employment, MDG & poverty reduction Proactive regulations: Telecoms, FSI, Rev Nigeria is at a tipping point

7 Dream as if you will live forever Live as if you will die tomorrow “The Best Way To Predict The Future Is To Invent It“ --Alan Kay “They Can Because They Think They Can” --Virgil “To Foresee Is To Rule” --Pascal “If You Can Dream It, You Can Do It” -- Walt Disney “Our Aspirations Are Our Possibilities” – Robert Browning Even in difficult and changing times

8 ”..You May Not Have Everything You Dream Of, But You Won’t Have Anything Without Dreaming About It” -- Anonymous " Your Biggest Competitor Is Your Own View Of The Future.” -- The Visionary's Handbook “In The Long Run Men Hit Only What They Aim At” – Thoreau “Take Care To Get What You Like Or You Will Be Forced To Like What You Get” – George Bernard Shaw

9 Our Jobs are now in the Global Market… Forces of change – globalization: how do you feel if your job is advertised globally? Advances in technology – new intellectual skill demand transcending academic qualifications Decline in the cost of transmitting information – voice, video and data transmission via submarine cables. We are living in a global village, why should employers pay more for a local effort if they can get a more holistic, cheaper, tested, global resource? Recession and challenges in developed nations: previously challenging environment are becoming more attractive Tough world... survive or quench

10 … and the Global Market is in a turmoil! Global job losses 'could hit 51m'  “As many as 51 million jobs worldwide could be lost this year because of the global economic crisis”  “Progress in poverty reduction is unraveling and middle classes worldwide are weakening”  We are now facing a global jobs crisis Juan Somavia, ILO director-general 2008/09 Unemployment Rates North Africa10.3% Middle East9.4% Soviet Union8.8% *Sub-Saharan Africa7.9% Latin America7.3% East Asia3.8% *South Asia(5.4)% South East Asia + Pacific(5.7)% Nigeria: Season of Job Losses  between 10 and 15 percent job cuts in the manufacturing sector of Nigeria  ‘…the nation has come to terms with the realities of the financial collapse’  President Yar'Adua observed that Nigeria is going through difficult times because of the "global financial meltdown and unprecedented economic crises". Vanguard Newspaper, Feb 15 2009 Sub-Saharan Africa and South Asia have extremely harsh labour market conditions and the highest shares of working poor of all regions. ILO's study AT A GLANCE: Recent Job Losses In Nigeria Textile 5000 layoffs Dunlop Plc. 400 layoffs PAN Plc. 565 layoffs (753 staff) Cadbury Plc. 300 layoffs Banks? Oil & Gas? FMCG? Q3 ‘08 – Q1 ‘09 Figures

11 ...The local market is no better

12 …The crisis in the education sector has led to high number of unemployable graduates *Approximately 175,000 graduates annually enter the NYSC scheme * Source: NYSC estimates, 2007 SOURCE: FEDERAL MINISTRY OF EDUCATION & JAMB “98% failed NECO” (June 2009).

13 Difficult transition from Student to Professional 13 “6 million job seekers enter unemployment market every year” - The World Bank, 2010

14 14 We are now in the ‘Age of Unreason’ We are now in the ‘Age of Unreason’. George Bernard Shaw observed that “all progress depends on the unreasonable man”. The reasonable man adapts himself to the world, the unreasonable man persists in trying to adapt the world to himself. We can all see the impossibilities becoming incredible realities. Professor Charles Handy predicted monumental changes in the nature of works, life and nations : –Downsizing in private organisations –Rationalisation of jobs in the public sector –Rationalisation of manual labour would pave way for the emergence of telecommuters A New Equation = (1/2 x 2 x 3)

15 15 Age of Unreason THE NEW EQUATION (1/2 X 2 X 3) Half of people working would lose their jobs in the next 10 years of the advent of the 21 st century. Those that would retain their jobs would be paid twice as much as their current salaries Those that retain their jobs would be required to produce 3 times as much. Implications –Fewer jobs –Higher pay –Extremely long hours for the employed –No time to enjoy the purse. –Those without jobs would have all the time at their disposal but no money to spend. –To combat this paradox, we need to generate new ideas. Plan, start and run successful businesses

16 Its Difficult Doing Business in Nigeria  Nigeria ranked 114 (2008) and 118 (2009) in Doing Business Report Source: Doing Business Report 2009 (World Bank, IFC, Palgrave Macmillan Difficult to do business – multiple taxes, regulatory delays, import constraints, high cost of capital 9 procedures and 34 days to start a business 18 procedures and 350 days to get licenses 39 procedures and 457 days to enforce a contract 14 procedures and 82 days to register a property 9 documents and 46 days to import items 10 documents and 26 days to export items

17 Nigeria has shown improvement in the business environment over the past several years...though slow pace Nigeria Q4 2010Metric 2005Current 137 of 150EIU Risk Rating 6968 134 of 178Corruption Perception Index 1.92.5 14 of 177Failed States Index 84.3100.2 111 of 179 Index of Economic Freedom 48.456.7 142 of 169Human Development Index.470.511 127 of 139 Global Competitiveness Index 3.233.38 137 of 183Ease of Doing Business 109137 40 of 50Mo Ibrahim Good Governance Index So, how can you play and survive?

18 First Things First - Know Yourself … Strengths Weaknesses Opportunities Threats Qualifications/Certifications Attitude Age Network Skills Access Capital Poor attention to details Narrow expertise/Skill Gaps Undifferentiated capabilities Low reputation Experience Network ICT/Internet New market segments & products Mobile communications Collaboration/alliances Mentor War for Talent Govt Policies ICT/Internet Economic crisis Cheaper/skilled resources High unemployment Globalisation Competition Govt Policies Internal factors External factors SWOT Analysis Technique – an example

19 19 Know and master the environment... The Internal Environment Process People Technology The Micro-Environment The Macro-Environment Political Factors Consumers Socio-cultural Factors Suppliers Economic Factors Technological Factors Understand the prevailing volatility and uncertainty in the business landscape..

20 Know and master the environment... Organisation Political/Legal Environment Govt regulation/legislation Taxation Financial and monetary policies Political Instability Socio/Cultural Environment Core values and beliefs Demographics Social and cultural shifts Technological Environment Innovation Obsolescence Information management Access to ICT ICT skills Economic Environment Globalisation Employment levels Rates (Interest, Exchange & Inflation) Competitive Intensity Privatisation, liberalisation vs. government influence Infrastructure levels and cost Economic Reforms PEST Model

21 Know and master the environment... - The 21 st Century jungle Porter’s Five Forces Model

22 Survival in the 21 st Century Jungle …. The 21st Century Workplace is a jungle and it allows only the fittest to survive Rules of the Jungle: Different species, Different hierarchies, Different genders, Different food chains, Laws of nature (Written, Unwritten), Survival of the fittest, Adapt or Die, Size does matter, You are the prey, Use camouflage, Rules of the Waterhole, Hunt or be hunted, Mark your territory Dolphins – Graceful, Gentle & Kind, always where they should be Crocodiles – passing themselves off as alligators, these bleeding hearts cry over the injustice of your fate even as they eat you Donkeys – have a strong back, but a weak mind White Sharks – will swallow anything Guppies – fish that reduces competition by eating their own Hamsters – rodent and ultimate bureaucrats, spend hours spinning their wheels, getting nowhere Humming birds – don’t know the words of the song and won’t learn Llamas – would rather spit in your face than work hard Sea Horses – feminism’s greatest victory – the male carries the eggs and gives birth Skunks – animals that raise a stink over every little transgression, real or imagined Zebras – the major debate for decades – are we black with white stripes or white with black stripes? Reana Rossouw Copyright © Next Generation 2004 - 2006 All Rights Reserved

23 Survival in the 21 st Century Jungle… Monkey – Hear No Evil Political – See No Evil Whistle Blowing – Do No Evil Ethics Values Elephant Enormous Gentle – until provoked Memory Protective Herds/Packs Coaches, – Mentors Relationship building Leopard Run like the wind Change your spots Adaptability to habitat Stealth behaviour Choose your fights well Being alone Loving the chase Opportunistic hunting Owl Know the environment Check the lay of the land Be on your guard Be Political Understand the economics Use your nights well Solitary Hunting by stealth & surprise

24 Survival in the 21 st Century Jungle… Chameleon Use camouflage Always the prey Stay with what works for you Be part of a social grouping Ostrich Generally not very bright Easily annoyed Have a certain air about them Face your opponents heads on Will eat/digest anything Head in the sand Follow the leader Eagle Good view from the top Sometimes you fly Sometimes you glide Sometimes you swoop Sometimes you hurt Sometimes you loose Sometimes you win Pig Lazy and Dirty Dangerous Selfish

25 YOU HAVE TO SURVIVE “Everyday in Africa, a gazelle wakes up knowing it must outrun the fastest lion or be killed. Every morning, a lion awakens, knowing it must outrun the slowest gazelle or starve to death. It doesn’t matter whether you are a lion or a gazelle, when the sun comes up, you’d better be running”. –Anonymous

26 In order to survive in the 21st century workplace… You have to be on top of your game very clear on what you want to achieve (and gain exceptions for your ideas and opinions) more creative about reaching your goals (think outside the box) more competitive (learn how to balance imagination and logic) You will have to learn to play by the rules of the game or create your own (game and rules) … to leave your footprints in the sand of time, you better wear your working shoes …You can be an Entrepreneur

27 Entrepreneur - why you should be self-employed An entrepreneur assumes the responsibility and the risk for a business operation with the expectations of making a profit. Someone starting or growing a business who distinguishes himself with his ambition and achievement You will be doing what you enjoy You will have financial independence You will create wealth and employ people You will be able to contribute to the upliftment of the family, ummah and the society You will have freedom of time, etc, etc. VERY IMPORTANTLY: Wealth can only be created by formation, running and sustaining of businesses – ise omo aseje, owo omo asela – You can be wealthy only if you own a business.

28 The challenges you may want to talk about I know what you may be thinking – –I don’t have the capital/money. I need money to make money –I lack the experience –I don’t know –I don’t have the education/skill/exposure –I am not confident with my plan –A friend or family member believes you don’t have the capacity to do what you propose to do –Small business won’t give me anything near my needs –Infrastructural issues and harsh business environment ….

29 job creation opportunities are based on basic human needs and educational development…

30 …providing these basic needs would lead to job creation opportunities in key sectors of the economy along the industry value chain.  Food : Agriculture - Production, Storage, Processing, Marketing and Distribution  Clothing : CTG – Cotton, Textile and Garment  Health Care - Insurance, HMOs, Providers and Producers  Shelter: Building & Construction – Survey, Design, Engineering, Procurement, Construction & Maintenance  Education - Artisans, Technicians and Professionals  Entrepreneurial and Small Businesses – cut across all sectors  Sports – Recreational and Professional  Entertainment – Music and Film Production  Infrastructure & Utilities – Road, Water, Electricity, Rail, etc Physiological Safety Belonging Esteem Self- Actualisation Maslow’s Hierarchy of Needs

31 Where are the opportunities? – Outlook for the Formal Sector Good governance and changes in the economic fortunes of Nigeria present different scenarios for the industries in the formal sector: SCENARIO 1 – AMBITIOUS RATE OF PROGRESS Mega Growth  Rapid economic growth: GDP growth rate > 10% Resolution of the Niger-Delta crisis Significant growth in both oil and non-oil sectors Industrial capacity utilization rises to >75% Spectacular political, economic and social development; major strides towards achieving Vision 2020  Massive public/private investment in infrastructure Uninterrupted power supply Housing per capita from 1:20,000 to 1:5,000 Alternative transport system established (rail, waterways etc)  Significant improvement in quality of life Economically empowered middle class in Nigeria Per Capital Income increases to $4000 p.a. Winners: Agriculture Building and Construction Education Hospitality and Tourism Manufacturing Oil & Gas Infrastructure &Utilities Professional Services Sports & Entertainment Health Services (Other) Modest Gainers: Commerce Information and Communication Technology Mining and Quarrying Public Service Losers: None

32 Where are the opportunities? – Outlook for the Formal Sector SCENARIO 2 – CURRENT RATE OF PROGRESS Status Quo  Economic reform sustained: Nigeria’s GDP continues to grow at an average of 5-7% p.a. Full growth potential undermined by continued skirmishes in the Niger Delta Importation continues to be the response to food insecurity and other shortfalls in demand  Infrastructural development continues to be a key area of focus Marginal improvement in the country’s infrastructural base Stable power supply continues to be an issue  Re-emerging middle class though rate of poverty is still high Winners: Building and Construction Commerce Professional Services Modest Gainers: Agriculture Education Hospitality and Tourism Information and Communication Technology Medicine and Public Health Mining and Quarrying Public Service Services (Other) Sports & Entertainment Losers: Manufacturing Oil & Gas Other Utilities Good governance and changes in the economic fortunes of Nigeria present different scenarios for the industries in the formal sector:

33 Where are the opportunities? – Outlook for the Formal Sector SCENARIO 3 – REGRESSION: NO PROGRESS Downturn  Significant economic slow-down: GDP growth of <3% Macroeconomic slippages with negative consequences on the economy Per capital income drops significantly  Precarious political and economic environment Niger Delta crisis escalates and other ethnic/religious crisis begin to brew War on corruption falters Infrastructure and power situation unchanged Competition intensifies for limited local opportunities; price war ensues Numerous bank failures Winners: Public Service Modest Gainers: Building and Construction Commerce Mining and Quarrying Professional Services Services (Other) Losers: Agriculture Education Information and Communication Technology Hospitality and Tourism Oil & Gas Infrastructure & Utilities Manufacturing Medicine and Public Health Sports & Entertainment Good governance and changes in the economic fortunes of Nigeria present different scenarios for the industries in the formal sector:

34 Who do I need to be to succeed? – The ABCs of Standing Out A+ Grades –You get one chance to excel – then live with the results forever Be Relevant/Boost your CV –Additional qualifications, especially those relevant to that field or are a rare speciality give you an advantage Create an interesting persona –Get involved in an activity you can include on your CV e.g. learning a new language, working with a charity Do Your Homework –diligent research can help you understand your options and present yourself better Express Uniqueness –Showcase what makes you different from everyone else e.g. express your ability to relocate Create a Network –Be part of a network of trusted friends to expand your reach and access to opportunities and mentoring

35 Who do I need to be to succeed? – The ABCs of Standing Out You must have the 6 C’s of leadership Character – be trustworthy Caring – care and listen to others Commitment – to a purpose, remain focussed Confidence – be confident of your abilities Communication – clearly communicate the vision Contribution – contribute positively & recognise the contribution of others And also the 3 R’s of Leadership Respect for Self Respect for Others Responsibility for all your actions (including social media! No excuses)

36 How do I get started? – Decide what you want to do Determine what you’re good at and what you like to do –It’s often useful to look inside yourself to figure out what you like and dislike, and where your talents lie One of the best ways to do this is to make three separate lists: List 1 – What you’re good at –Everyone is good at something and many skills can be useful in business. You might be naturally organized or have a knack for fixing things. Assemble this list by observing yourself for a few weeks with an eye out for your aptitudes; also ask people who know you well for their impressions of what you excel at List 2 – Skills you’ve acquired over the years –Whether or not you’ve worked in a conventional environment, you no doubt have accumulated many. Write down all the work responsibilities or varied tasks you know how to complete. Make sure this list is comprehensive – aim for 10 distinct items List 3 – Things you like to do (your passion) –This may not be as easy as it sounds. Aim for at least 10 items. Stretch beyond your hobbies and interests that spring to mind immediately Use these lists to then shortlist all the jobs that best suit you

37 Know What Employers Want Next to qualification and experience, an incoming staff –Must be a culture match –Must be a passion match –Must be a values match –Must be a peoples match –Must be a purpose match Usually interviewers assess prospective employees for: –Capability and suitability for the job –Social skills –Initiative, energy and passion –Motivation –Stability and level of maturity –Self reliance/ independence –Leadership qualities –Proactive, Problem solving skills –Attitude

38 To be an employee – Have your resume ready Your resume has 15 seconds to make an impression!! Remember to keep it: –Appealing (easy to read) Font size and spacing Language Short sentences –Brief (2 pages maximum) Don’t include irrelevant data –Clear State position or career you are applying for Organise details properly Communicate the value you will deliver Correct all spelling, punctuation, grammatical, and syntax errors

39 A good resume should be documented in the following order for different categories of applicants: The Content of the CV …Preparing the Document!  Fresh Graduates  Brief profile  Qualification  Summary of key achievements  Leadership experience  Statement on references  Experienced Hires  Brief profile  Summary of key achievements  Work experience  Qualification  Leadership experience  Statement on references

40 The New Normal: 2011 NYSC candidates Hadiza Abi - Crescent University, BSc Accounting Tosin Makinde - Covenant University, BSc Economics Ojelade Afeez - OAU Ife, BSc Economics And others

41 Improve your Personal Effectiveness Accept Personal Responsibility for your success Be proactive Understand your circle of concerns but focus on your circle of influence Set your priority. Focus on the important before it becomes urgent Important Urgent 1 H L H 2 3 4 2 3 4 3 5 Concerns Influence

42 Abundance Mentality: Grow Good Corn James Bender, in his book How to Talk Well (New York: McGraw-Hill Book Co., Inc., 1994), relates the story of a farmer who grew award-winning corn. Each year he entered his corn in the state fair where it won a blue ribbon. One year a newspaper reporter interviewed him and learned something interesting about how he grew it. The reporter discovered that the farmer shared his seed corn with his neighbors. "How can you afford to share your best seed corn with your neighbors when they are entering corn in competition with yours each year?" the reporter asked. "Why sir," said the farmer, "didn't you know? The wind picks up pollen from the ripening corn and swirls it from field to field. If my neighbors grow inferior corn, cross-pollination will steadily degrade the quality of my corn. If I am to grow good corn, I must help my neighbors grow good corn.”

43 Jack Welch: Winning … To win, you must have Integrity Intelligence Maturity Be able to energise others Take tough decisions Execute Passion for the job Be authentic Have foresight/vision Be resilient to learn from and improve on past mistakes Be willing to surround yourself with bright and brighter people and seek their advice

44 Realise your potential - Talent is not Enough Belief lifts your talent –See the big picture and Believe in your Mission –Believe in Yourself – have enough faith in yourself that you can fulfill your potential -- Self confidence Passion energises your talent Initiative activates your talent Focus directs your talent Preparation positions your talent Practice sharpens your talent Perseverance sustains your talent –“There are 2 kinds of people in this world, those who want to get things done and those who don’t want to make mistakes” – John Maxwell Courage tests your talent Teachability improves and expands your talent Character protects your talent Relationship influences and expands your talent Responsibility strengthens your talent Team work and networking multiplies your talent (never eat alone) Source: John Maxwell Punctuality Patience, Persistence and Perseverance Hardwork and Effort Honesty and Integrity Unselfishness Humility and Respect

45 Remember, What Got You There Won’t Be Enough for You to Stay on Top Get 360 degree feedback Be ready to apologise and tell people you intend to change/improve on identified areas Listen, Listen, Listen Say only Thank you (do not comment or rationalize) Follow up to know progress with improvement plans Feed Forward: ask people to give you 2 ideas on how you can improve Be comfortable with complexity & ambiguity Be adaptable & flexible Challenge paradigms Have a Can Do spirit, positive Attitude – Focus on your strengths – put your strengths to work Have a broad perspective

46 Avoid the 6 Myths The Position Myth – I cannot lead if I am not at the top The Destination Myth – When I get to the top, then I will learn to lead The Influence Myth – If I were on top, then people will follow me The Inexperience Myth – When I get to the top, I will be experienced and be in control The Freedom Myth – When I get to the top, I will no longer be limited The All But Nothing Myth – If I can’t get to the top, then I won’t try to lead. Source: John Maxwell

47 The Starting Point: POSITIVE ATTITUDE ATTITUDE IS EVERYTHING IT IS OUR POSITIVE ATTITUDE THAT MAKES US FLY AND ACHIEVE OUR DREAMS Your attitude is inherently interwoven into everything you do. It is your most priceless possession. How do you turn your attitude into action ….? Take 100% responsibility of your life. Give up excuses and complaints. Conquer: Fear, Ignorance and Procastination

48 Positive Attitude: How do I do it? A.Equip yourself fully with knowledge Any man is educated who knows where to get knowledge when he needs it and how to organise the knowledge into definite plan of action B. Dig A little deeper Einstein was once asked what he considered the main difference between his own intelligence and that of other people. He thought for a while and replied: Well, when most people look for a needle in the haystack, they stop when they find it. But I continue looking to discover if I can find a second, third and, maybe, if am even lucky, a fourth or fifth needle.

49 Positive Attitude: How do I do it? Have and develop ‘can – do’ attitude. Look for opportunities. Be creative. Nigeria is a large market! What can you see?

50 Always Remember… Life in the 21 st century – Age of Unreason (1/2x2x3) – it is the knowledge age You need to retool yourself; otherwise you will be not be useful to yourself and the society. “In times past, you could be obscure yet secure; now that’s harder” – Michael Goldhaber. Wired Follow your passion. ‘The problem with doing something half – heartedly is that you’ll never use more than a small fraction of your potential’ - Rob Gilbert ( editor, Bits & Pieces) W inning is all about making the right choices …consistency, passion and a determination to succeed.

51 Remember - They Said It Couldn't Be Done "There is no reason anyone would want a computer in their home.“ -- Ken Olson, president, chairman and founder of Digital Equipment Corp., 1977 "This 'telephone' has too many shortcomings to be seriously considered as a means of communication. The device is inherently of no value to us “ -WesternUnion internal memo, 1876 "Who... wants to hear actors talk?“ -- H.M. Warner, Warner Brothers, 1927. "Heavier-than-air flying machines are impossible." - Lord Kelvin, president, Royal Society, 1895 "Airplanes are interesting toys but of no military value.“ -- Marechal Ferdinand Foch, Professor of Strategy, Ecole Superieure de Guerre "Everything that can be invented has been invented.“ -- Charles H. Duel "640K ought to be enough for anybody.“ -- Bill Gates, 1981 "Computers in the future may weigh no more than 1.5 tons.“ -- Popular Mechanics, forecasting the relentless march of science, 1949 "I think there is a world market for maybe five computers“ -Thomas Watson, IBM chairman 1943

52 Secrets of success in life …. What are some of the secrets of success in life? I found the answer right there, in my very room AND NOT TO FORGET, THE CARPET SAID... KNEEL DOWN AND PRAY. Sourced from the internet

53 Secrets of success in life …. Be like a Pencil Everything you do will always leave a mark You can always correct the mistakes you make The important thing in life is what you are from inside and not from outside In life, you will undergo painful sharpening which will make you better in whatever you do Finally, to be the best you can be, you must allow yourself to be held and guided by the hand that holds you Sourced from the internet

54 Secrets of success in life …. Be like a Candle Name the 5 richest people in the world Name the last 5 Miss World Name 3 teachers who contributed to your education Name 3 friends who helped you to grow and develop Sourced from the internet After the euphoria –The people who mean something to you are the ones who care about you –The most important thing in life is to help others to grown & succeed A candle loses nothing if it is used to light another one


56 To Be or To Have … People in the past have made it, so you too can… Do you know their stories? There is a crop of very young, unsung, unmentioned Nigerians now making waves in entrepreneurship and wealth creation. Secrets of success in life ….

57 To Be or To Have …. Eric Weihenmayer Positive Attitude! Secrets of success in life ….


59 Hard Work H+A+R+D+W+O+R+K 8+1+18+4+23+15+18+11 = 98% Knowledge K+N+O+W+L+E+D+G+E 11+14+15+23+12+5+4+7+5 = 96%

60 Love L+O+V+E 12+15+22+5 = 54% Luck L+U+C+K 12+21+3+11 = 47% ( don't most of us think this is the most important ??? )

61 Then what makes 100% ? Money Is it Money ?... NO ! ! ! M+O+N+E+Y 13+15+14+5+25 = 72% Leadership Leadership ?... NO ! ! ! L+E+A+D+E+R+S+H+I+P 12+5+1+4+5+18+19+9+16 = 89%

62 ATTITUDE A+T+T+I+T+U+D+E 1+20+20+9+20+21+4+5 = 100% It is OUR ATTITUDE towards Life and Work that makes OUR Life 100% ! Change your Attitude, and you can change everything " Attitude is Almost Everything!

63 Even better is the Love of God LOVE OF GOD 12+15+22+5+15+6+7+15+4 = 101% L+O+V+E +O+F +G+O+D 12+15+22+5+15+6+7+15+4 = 101% The Love of God will take you over the Top!! Obey His Laws … Do not Transgress What will it profit a man, to gain this world and lose the hereafter

64 As you go forth, Be Humble “Gently in manner, strong in deed” – Dwight Eisenhower “There is no limit to what a man can do, or where he can go, if he does not mind who gets the credit” - Ronald Reagan “CONTENTMENT is a Treasure that can not be Exhausted and a Wealth that will never Finish” - Prophet Muhammad (PBUH) There are no limits... It is in your hands Thank you for your Time!

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