, , ,

Job Placement Program

job placement program

Job Placement Program

A new way to get mentored and kick-start your career.

This Program aims to become the number one recruitment and sector-focused mentorship provider in the Nigeria.

We want to assist candidates who are entering the workforce for the first time, switching to a new profession, or seeking to climb up the career ladder.

In order to deliver on these goals, we have created a sophisticated solution we refer to as Job Placement Program.

Candidates can tap into this program to receive a structured mentoring from an experienced professional.

Through this, they can understand and adapt to the demands of the Nigerian job market, learn new skills, and gain relevant work experience that will serve as their competitive edge one they start applying for work.

Date: 4 – 6 Sept
Time: 9am daily
Venue: Career Care Centre, Maryland, Lagos.

Reg fee: 25k
Early bird reg: 20k, Closes 25th Aug 2019.


Registration fee will cover Tea/Coffee & Lunch break, Training Handbook & Certificate


Take charge of your career… Register today!

Click this link https://www.coinboxlimited.com.ng/product/job-placement-program/


For more info:

Call 09093939847 or 07018868842


, ,

Job Placement Program

job placement program

Job Placement Program

A new way to get mentored and kick-start your career.

This Program aims to become the number one recruitment and sector-focused mentorship provider in the Nigeria.

We want to assist candidates who are entering the workforce for the first time, switching to a new profession, or seeking to climb up the career ladder.

In order to deliver on these goals, we have created a sophisticated solution we refer to as Job Placement Program.

Candidates can tap into this program to receive a structured mentoring from an experienced professional.

Through this, they can understand and adapt to the demands of the Nigerian job market, learn new skills, and gain relevant work experience that will serve as their competitive edge one they start applying for work.

Date: 4 – 6 Sept
Time: 9am daily
Venue: Career Care Centre, Maryland, Lagos.

Reg fee: 25k
Early bird reg: 20k, Closes 25th Aug 2019.


Registration fee will cover Tea/Coffee & Lunch break, Training Handbook & Certificate


Take charge of your career…Register today!


For more info:

Call 09093929847 or 07018868842



What is your money personality?

What Is Your Money Personality Type?

Like almost everything else in life, your response to money is largely dictated by your personality. But have you given much thought to how you behave in regard to your finances and how that behavior affects your bottom line? Understanding your money personality is the first step and will help you shape your approach to spending, saving and investing.

The Five Money Personality Types

Money personalities have been analyzed in a variety of ways and many people can identify with parts of several of these profiles. The key is to find the type that most closely matches your behavior. The major profiles are: big spenders, savers, shoppers, debtors and investors.

Big Spenders

Big spenders love nice cars, new gadgets and brand-name clothing. Big spenders aren’t bargain shoppers; they are fashionable and always looking to make a statement. This often means a desire to have the latest and greatest mobile phone, the biggest 4K television and a beautiful home.

When it comes to keeping up with the Joneses, big spenders are the Joneses. They are comfortable spending money, don’t fear debt and often take big risks when investing.


Savers are the exact opposite of big spenders. They turn off the lights when leaving the room, close the refrigerator door quickly to keep in the cold, shop only when necessary and rarely make purchases with credit cards. They generally have no debts and are often viewed as cheapskates.

Savers are not concerned about following the latest trends, and they derive more satisfaction from reading the interest on a bank statement than from acquiring something new. Savers are conservative by nature and don’t take big risks with their investments.


Shoppers often develop a great emotional satisfaction from spending money. They can’t resist spending, even if it’s to buy items they don’t need. They are usually aware of their addiction and are even concerned about the debt that it creates. They look for bargains and are happy when they find them.

Shoppers are eclectic in terms of investing. Some invest regularly through 401(k) plans and may even invest a portion of any sudden windfalls, while others see investing as something they will get to eventually.


Debtors aren’t trying to make a statement with their expenditures, and they don’t shop to entertain or cheer themselves up. They simply don’t spend much time thinking about their money and therefore don’t keep tabs on what they spend and where they spend it.

Debtors generally spend more than they earn and are deeply in debt while not putting much thought into investing. Similarly, they often miss taking advantage of the company match in their 401(k) plans.


Investors are consciously aware of money. They understand their financial situations and try to put their money to work.

Regardless of their current financial standing, investors tend to seek a day when passive investments will provide sufficient income to cover all of their bills. Their actions are driven by careful decision-making, and their investments reflect the need to take a certain amount of risk in pursuit of their goals.

Make These Changes to Your Money Personality

Once you determine which of these personality types describes you the most and have put some thought into how you approach money, it’s time to see what you can do to make the most of what you have. Making small changes can often yield big results.

Spenders: Shop a Little Less, Save a Little More

If you love to spend, it’s likely that you are going to keep doing it, but you should seek long-term value, and not just short-term satisfaction. Before you splurge on something expensive or trendy, ask yourself how much that purchase is going to mean to you in a year. If the answer is “not much,” skip it. In this way, you can try to limit your spending to things you’ll actually use.

When you channel your energy into saving, you have another opportunity to think long term. Look for slow and steady gains as opposed to high-risk, quick-win scenarios. If you really want to challenge yourself, consider the merits of scaling back.

Savers: Use Moderation

Ben Franklin once recommended “moderation in all things.” For a saver, this is particularly good advice. Don’t let all of the fun parts of life pass you by just to save a few pennies.

Tune up your savings efforts too. Pinching pennies is not enough. While minimizing risk is any investor’s prime goal, minimizing risk while maximizing return is the key to investing success.

Shoppers: Don’t Spend Money That You Don’t Have

A critical step for shoppers is to take control of their credit cards. Unchecked credit card interest can wreak havoc on your finances, so think before you spend – particularly if you need a credit card to make the purchase.

Try to focus your efforts on saving the money you have. Learn the philosophy behind successful savings plans and try to incorporate some of those philosophies into your own. If spending is something you do to compensate for other areas of your life that you feel are lacking, think about what these might be and work on changing them.

Debtors: Plan Your Finances and Start Investing

If you are a debtor, you need to get your finances in order and set up a plan to start investing. You may not be able to do it alone, so getting some help is probably a good idea. Deciding on who will guide your investments is an important choice, so choose any investment professional carefully.

Investors: Keep Up the Good Work

Congratulations! Financially speaking, you are doing great! Keep doing what you are doing, and continue to educate yourself.

The Bottom Line

While you may not be able to change your money personality, you can acknowledge it and address the financial challenges that it presents. Managing your money involves self-awareness; knowing where you stand will allow you to modify your behavior to better achieve your financial and life goals.

SOURCE: Investopedia





By Wisdom Odofin



Procrastination has been a major issue overtime and it is like a parasite that eats the tissue of leadership traits. Most times leaders who fail to act when necessary end up savaging themselves due to regrets, we may spend a lot of time trying to discuss this inconspicuous yet cogent matter, but it is worth the focus.

Before I dwell much on this, let’s first understand what procrastination is; according to the Advance English Dictionary it means putting off or delaying or deferring an action to a later time. It is also the avoidance of doing a task that needs to be accomplished.

Procrastination is a faucet of life we have all encountered at a point in life. You don’t need to mistake procrastination for laziness; No! They are two different things entirely. It is a known fact that laziness denotes inactivity or an unwillingness to do something, whereas to procrastinate connotes an active process where you opted doing something else instead of what is to be done.

As a leader, to procrastinate can even be more dangerous than being slow to action. To be a leader there is a need for action which also encompasses choosing to stay still. Procrastination is like a poison to leadership, you don’t get to notice it but the resultant effect is dangerous.

Below are 5 ways procrastination kills a leader.

Emotional trauma

The more you think about the opportunities you missed as a result of procrastination the more you suffer yourself emotionally. You tend to blame yourself over and over again on how you should have acted on the opportunity you missed. These thoughts put your brain under suppression making you feel you are a loser.

Gives you high blood pressure

The thought of being behind schedule always get you on the run to meet up with time, these sends a jolt of blood rush through your body system making you rush yourself beyond normal. A new study has found that people who are prone to procrastination have a heightened risk of cardiovascular disease and high blood pressure (Sciencealert, 2015).

Makes you lose ground to opposition

In business procrastination could even be worse. When you fail to act as a leader you tend to lose business grounds to other organizations. If you are presented with an opportunity and you fail to act on it immediately, same opportunity could be taken by your competitors and this puts you on the losing end. This stunts business growth and definitely just like karma it kills you too.

Brings down your career

As a leader the mode of your work has a direct effect on your outcome, what you tend to achieve depends on the way you put effort in performance. In career procrastination inhibits meeting up with deadlines and attaining monthly goals. The effect is that, there is tendency you miss getting promoted or as bad as getting fired.

You lose followers

When you procrastinate too much, the people you lead or influence will start losing confidence in you. They tend to question your capability on decision making. And when you lose followers, you gradually become the only one in the picture and to even lead yourself becomes difficult.


As a leader you need to watch yourself and ensure that there are no signs of procrastination in you. In the next post we shall be looking at 5 best ways to kill procrastination.

Wisdom Odofin is an Executive Trainee with Coinbox Limited – wisdom.odofin@coinboxlimited.com.ng.

Coinbox Limited is management consulting firm; we offer training, mentorship, Human Resource Consultancy, and business support.

For more information you can reach us on info@coinboxlimited.com.ng or call 09093929847 and 08097087799. www.coinboxlimited.com.ng




  • Business plans, proposals and grants
  • Business strategy (design and implementation)
  • Business profile (design & content)
  • Feasibility studies & market research
  • Product design & activation
  • Business registration services
  • Education programs & Innovation Hubs


  • Strategic Business Review
  • Processes and Procedures Design, Review, implementation
  • Organisational restructuring
  • Employee Reorientation
  • Team Building and bonding
  • Transition/succession planning
  • Training and development
  • Human capital function
  • Business management

Business Model Canvass (BMC) case study


I live in a gated community in Lagos state, Nigeria. A Street shares the dividing wall with my estate and traverses the entire length which is well over one kilometer long. This street is the focus of my discourse.

We have various businesses along this street and as a business consultant, I observe and even transact with many of them on a regular basis. Narrowing my outlook, on this street, we have three businesses located at three different locations on the street selling cement. All three do retail; that is you can buy even just 1 bag from them, all three are on the street directly, all three are semi-educated women, all three have stands of about the same size and seem to buy from the same supplier. Having bought from all three at different and various instances, all three usually sell at about the same price and all three have about 2-3 people at every point in time running the shop. Note that all three businesses are profitable but one is more profitable than the other and that is the question of the BMC.

I have deliberately monitored these businesses over the last two years to come up with this analogy and I have been transacting with them for longer as I also engage in real estate development and construction services.


I will call them SHOP A, SHOP B and SHOP C. In analogy;


When you get to this shop, they welcome you in anticipation, like you came to buy everything on ground, negotiate price with you, exchange your requested quantity for your cash (the business is cash only in this shop) and bid you farewell. Note that this has been the trend here for each time I have been there.


When you get here, they also greet you with great enthusiasm and state clearly to you that they usually sell in bulk quantity and let you know how good that is for you as you will get discounts and free delivery. If you decide to leave as you are not that category of customer then they call you back and deal like SHOP A. But at some time, I engaged the lady in shop B in a conversation asking why this ‘bulk’ business, when you can just sell and move on? She said that the effort to sell one bag is same for 100 bags and so is the logistics but the returns are not same because selling at that quantity gives her income from the seller and manufacturer but based on the location that kind of sales is very slow and killing the business and she does not want to move so just switches to the model of SHOP A whenever the opportunity arises. She usually ends up doing more sales than shop A because of her dual customer segments (retail and wholesale) and she has slowly made a name for her place in the locality that if you need to buy your cement in bulk, she is the go to dealer, but as a residential area, not many people buy there in bulk on a regular basis. She accepts cash and bank transfers as modes of payment and offers delivery.


In this shop, once you get there, they also welcome you very pleasantly and immediately tells you how happy they are to have you stating how important your business is to them. They ask you what you want to buy and go ahead to offer free consultancy based on what you asked for, that is, if it’s a bag of cement, they ask why and confirms if it will be enough for what you want to do. If you don’t need as much as a bag, they will actually offer to sell only half a bag to you. If it seems you don’t know the exact quantity you need, they will offer to send a technical person with you to go to your site to confirm exactly what you need and ensure you are buying the right thing for the right purpose. In addition, they state that they offer many other related products like sand, gravel, interlocking blocks and all with free delivery at a certain quantity of orders and the technicians/experts to do the job for you in case you need that too. Also, they take payments in cash, cheques and POS. Sales in cheque is delivered once the cheque clears. On leaving, they collect your contact details promising to keep in touch (which they do) and that you don’t need to come back for your next order, reason is because they give you their card that you can call and they will deliver to your location anywhere in the country and at any quantity.

What shop C did was to now form alliances with key partners along the construction materials value chain and have agreements on services and supplies for which they make money at every point in time and make referrals to each other.

These are three business in the same location running same business with same staff strength and same business size and probably same capital but Shop C sells many times more than the other two as she gets supplies in large quantities from the manufacturer on a daily basis while it’s not so for the others.

What has stood SHOP C out so far is their business model for both internal and external operations having identified and connected all the major building blocks of their BMC.


Ayo Emakhiomhe, @ayoemakhiomhe, emakhiomheayo@yahoo.com



Winning battles

Every #battle is fought and won twice; first in the #spiritual then in the #physical.

, ,

Starting or just started your business?

Are you an entrepreneur or have great ideas?
Join the conversation on Twitter, as we discuss the upcoming Daystar Business Academy (DBA) event for aspiring entrepreneurs tagged;

Module-1, Set-12 (M1-S12)

• Write a bankable business plan.

• Get practical steps to start-out and excel as an entrepreneur.

• Attract investors to your idea.
Register now at dbf.daystarng.org/dbam1s12

Date: 3rd, 10th, 17th and 24th of March, 2018.

Time: 2pm to 7pm.

Venue: Daystar Christian Centre, Annex 2A, Plot C5 Ikosi Rd, Oregun, Ikeja, Lagos.
#dbam1s12 #dba

How Good Are Your Leadership Skills?

Who do you consider to be a good leader?

Maybe it’s a politician, a famous businessperson, or a religious figure. Or maybe it’s someone you know personally – like your boss, a teacher, or a friend. You can find people in leadership roles almost everywhere you look.

However, simply having the responsibilities of a leader doesn’t necessarily make a person an effective leader. This is a shame because, with a little study, humility and hard work, all of us can learn to lead effectively.

Successful leaders inspire and empower their people.

How Good Are Your Leadership Skills?
There are many leadership skills and competencies that, when combined and applied, go toward making you an effective leader. You have the ability to develop each of these skills within yourself. Read on for specific ideas on how you can improve your leadership skills!

Personal Characteristics

Successful leaders tend to have certain traits. Two keys areas of personal growth and development are fundamental to leadership success: self-confidence and a positive attitude.

Self-confident people are usually inspiring, and people like to be around individuals who believe in themselves and in what they’re doing. Likewise, if you’re a positive and optimistic person who tries to make the best of any situation, you’ll find it much easier to motivate people to do their best.


Self-confidence is built by mastering significant skills and situations, and by knowing that you can add real value by the work you do. One of the best ways to improve your confidence is to become aware of all of the things you’ve already achieved.

Our article on Building Self-Confidence  explains what you can do to understand yourself better and build your self-confidence. From there, you’ll begin to make the most of your strengths and improve your weaknesses. Explore this further with our Bite-Sized Training session on Personal SWOT Analysis.

Positive Attitude and Outlook

A positive mindset is also associated with strong leadership. However, being positive is much more than presenting a happy face to the world: you need to develop a strong sense of balance, and recognize that setbacks and problems happen – it’s how you deal with those problems that makes the difference.

Positive people approach situations realistically, prepared to make the changes necessary to overcome a problem. Negative people, on the other hand, often give in to the stress and pressure of the situation. This can lead to fear, worry, distress, anger and failure.

Stress management techniques, including getting enough  Rest, Relaxation and Sleep  as well as physical exercise, are great ways of getting rid of negative thoughts and feelings. Understanding your thinking patterns, and learning to identify and eliminate negative thinking, are key. You can learn how to do this in our article on Thought Awareness, Rational Thinking and Positive Thinking  , and you can find out how to become more optimistic in our Book Insight on Learned Optimism.

Emotional Intelligence

The concept of emotional intelligence used to be referred to as “soft skills,” “character,” or even “communication skills.” The more recent idea of Emotional Intelligence  (EQ) offers a more precise understanding of a specific kind of human talent. EQ is the ability to recognize feelings – your own and those of others – and manage those emotions to create strong relationships.

Learning to develop Empathy  is essential for emotional intelligence, as is communicating effectively, and practicing Empathic Listening. These all help you really understand the other person’s perspective.

Our Leadership area has a section on emotional intelligence in leadership.

Transformational Leadership

Transformational leadership is a leadership style where leaders create an inspiring vision of the future, motivate their followers to achieve it, manage implementation successfully, and develop the members of their teams to be even more effective in the future. We explore these dimensions below.

Providing a Compelling Vision of the Future

This is your ability to create a robust and compelling vision of the future  , and to present this vision in a way that inspires the people you lead.

The first part of being able to do this is to have a thorough knowledge of the area you’re operating in. See our Bite-Sized Training session on Building Expert Power to find out how to develop this.

From there, good use of strategic analysis techniques can help you gain the key insights you need into the environment you’re operating in, and into the needs of your clients. See our Strategy section for more than 50 powerful techniques that give you these insights.

With these tools, you can explore the challenges you face and identify the options available to you. You can identify the best of these with good use of prioritization skills  and appropriate decision-making techniques  .

Finally, to sell your vision, you need to be able to craft a compelling and interesting story. Our article, Powers of Persuasion  , can help you open closed minds, so that people consider your ideas fairly. Another great way of inspiring people is to use vivid stories to explain your vision: find out more about this in our Expert Interview with Annette Simmons, titled Whoever Tells the Best Story Wins.

Motivating People to Deliver the Vision

This is closely related to creating and selling a vision. You must be able to convince others to accept the objectives you’ve set. Emphasize teamwork, and recognize that when people work together, they can achieve great things. To provide effective leadership by linking performance and team goals, use Management by Objectives (MBO)  and Key Performance Indicators (KPIs)  .

Ultimately, you need to motivate people to deliver your vision. To better understand your ability to motivate, complete our quiz How Good Are Your Motivation Skills?  , and explore our articles on Herzberg’s Motivators and Hygiene Factors  and Sirota’s Three Factor Theory  .

Being a Good Role Model

Good leaders lead by example  . They do what they say, and say what they do. These types of leaders are trustworthy, and show integrity. They get involved in daily work where needed, and they stay in touch with what’s happening throughout the organization. Great leaders don’t just sit in their offices and give orders – they demonstrate the actions and values that they expect from the team.

As with building vision, above, a key part of being a good role model is leading from the front by developing expert power  . A leader can’t rely on position alone: by keeping current, and staying relevant within the organization, you’ll inspire people because you’re worthy of your power and authority, not just because you’re the boss.

Managing Performance Effectively

Effective leaders manage performance by setting their expectations clearly and concisely. When everyone knows what’s expected, it’s much easier to get high performance. There’s little uncertainty, therefore you can deal with performance issues quickly. And if things have already started to slide, our article on Re-Engaging Team Members  offers some excellent tips for turning a negative situation back to a positive one.

As you create rules, help your team members to understand why the rules are there  . Involve them in the rule-making process, and make sure that your expectations align with the resources and support available. Apply rules fairly and consistently.

Providing Support and Stimulation

To be highly motivated at work, people need more than a list of tasks to be completed each day. They need challenges and interesting work. They need to develop their skills, and to feel supported in their efforts to do a good job.

Think about your approach to Task Allocation  , and look for opportunities to match people with jobs and responsibilities that will help them to grow and develop. Use Heron’s Six Categories of Intervention  to decide when and how to help them to shine. Regularly perform Training Needs Assessments  to determine what your team needs to be successful.

Remember that emotional support is also important. The Blake-Mouton Managerial Grid  is a great tool for thinking about the right balance between concern for people and productivity.

Key Points

To be successful in your career, regardless of your title or position, focus on developing your leadership skills.

Effective leaders can add value simply by being present on teams. They are inspirational and motivating. They know the right things to say to people to help them understand what’s needed, and they can convince people to support a cause.

When you have talented and effective leaders in your organization, you’re well on your way to success. Develop these leadership skills in yourself and in your team members – and you’ll see the performance and productivity of your entire team improve.

This site teaches you the skills you need for a happy and successful career; and this is just one of many tools and resources that you’ll find here at Mind Tools. Subscribe to our free newsletter, or join the Mind Tools Club and really supercharge your career!