On BU$I₦£$$ DIG£$T this morning, February 23, 2021

After starting a business, you make some few cash and you keep records to ensure you meet some set regulatory requirements.

Some CEOs have made so much money, that they lack the experience to manage the whole system.

No structure, no system, no policy. Even where they are in place, they are the first to flout the rules.

They crave to have professionals to work for them but they haven’t been able to remove their “person” from the business, which makes the business fail.

You hear comments like “I am the business and the business is me” or “There is no me without the business and there is no business without me.”

This has made a lot of businesses collapse and more will go if such issues are not addressed.

If you learnt anything from this, kindly share with someone out there.

Dr. Emmanuel Idenyi Shaibu
animn, ace, f.hcd, f.dss, m.frcn, fimc, cmc, cms, FAiPA, DPA
The Millennium Entrepreneur


On BU$I₦£$$ DIG£$T this morning, February 22, 2021

This week, I shall run a five part series on the above subject matter.

We are grateful you stay connected to learn one or two things from what we share on this Platform.

“When the purpose of a things is not known, abuse is inevitable” Myles Munroe.

Most people started out business without a clear cut, defined purpose. Their “WHY” wasn’t strong enough, probably selfish and as such they cannot relate with the “HOW” that is showing up within the process of time.

Some started out to make brisk businesses, some started to break a monopoly, some started because of hunger, some started because it was in vogue to be called a business owner or CEO.
But hello, that is probably the foundation of the hitches you are currently experiencing.
You will need to go back to the drawing board and check what your goals were in the first place.

To own and run a business successfully, especially in Nigeria, you must have enough staying power against all odds. Yet, if you tarry long enough, you will learn how to walk and work through it.

If you learnt anything from this, kindly share with someone out there.

Dr. Emmanuel Idenyi Shaibu
animn, ace, f.hcd, f.dss, m.frcn, fimc, cmc, cms, FAiPA, DPA
The Millennium Entrepreneur

Your Certificate and Education

I recommend you read this piece. It makes a lot of sense.


“Education is what remains after one has forgotten everything he learned in school. It is a miracle that curiosity survives formal education”
— Albert Einstein

The greatest form of disability in life is not knowing your ability. Your winning edge in life is not the degree you have acquired or the certificate you possessed, but your ability to solve problems.

Whenever I interview graduates, I am not so keen on their qualifications; I am only keen on their special skills, experiences and their unique approach to problem-solving. Most of them cannot even apply the knowledge they have acquired in school to solving life problems. The 21st Century employer doesn’t necessarily pay you a salary for the certificate you possess, but for the problems you can solve.

The reality of life is that there are more employable graduates than the available jobs, and it is only graduates that can actually think beyond their certificate that would eventually find their own place in life. Mark Twain said: “Don’t let schooling interfere with your education.” The proof of going to school is your certificate, but the proof of your education is in your ability to solve problems through innovation and creativity.

Graduates that cannot solve problems are liabilities. Education is not just about going to school and getting a degree; it is about widening your knowledge, thinking creatively and absorbing the truth about life. We must see our education beyond our certificates. Many people spend their precious years in school only to end up acquiring certificate, not education. Einstein said: “Education is not the learning of facts, but the training of the mind to think.” Have you ever heard of the creativity term, ‘think outside the box?’.

One of the major reasons why most graduates are poor is because they cannot see and think beyond their certificates. I have seen engineering graduates work as bankers. I have seen medical doctors with great skills in web and graphic designs. I have seen lawyers that are very dexterous with finances. The list is endless!

The basic truth of life is that the skills needed to be much sought after and become more successful in life are not really found within the walls of the classrooms. Your certificate is just proof that you are teachable; it does not suggest what you are totally capable of doing. You are full of possibilities when you think beyond your degrees and certificates.

If you remove your certificate from the picture, what are those things you can do effortlessly so well? You would definitely need the knowledge you have acquired in school, but they must not define your limitations. Don’t allow your certificate to put a limit on what you are capable of doing. Your education goes beyond acquiring certificate; it is your ability to solve problems. While schooling leads to confinement, education is an adventure. While schooling makes us learn through rules and facts, education makes us learn through exposure.

I have seen many graduates being successful in areas that have nothing to do with their course of study. Most students are studying what they don’t even like in tertiary institutions, and further placing them in industries that have nothing to do with their passion and gift is a waste of their potentials. It doesn’t make much difference what you study, so long as you don’t like it.

I am privileged to be the Editor-in-chief of a youth magazine called Maximum Impact, and it is amazing to know that the organisation that completely handles the design and publication of the magazine is founded by a medical doctor that graduated from the University of Ibadan. Funke Akindele-Bello and Femi Adebayo-Salami are both lawyers and they’re the Stars of Nollywood Today.

Peter Amangbo, the Chief Executive of Zenith Bank Plc studied Engineering in school. Adesola Kareem’s Adeduntan, Group Managing Director/Chief Executive of First Bank Nigeria Plc and subsidiaries is a Doctor of Veterinary Medicine (DVM) from the University of Ibadan. Former Chief Executive of defunct Diamond Bank Plc, Uzoma Dozie, had his first degree in Chemistry from the University of Reading in 1991 and a postgraduate degree in Chemical Research from Imperial College, London.

It is not compulsory that you practise what you studied in school. Your first degree is just for cognitive development; further development of your logical thinking, numeracy, communication skills, and networking is not something you would learn in school

The world is full of limitless possibilities for people who can think beyond their certificates. Education is a life-long process; it is not limited to a classroom, a structured period of time or formal instruction. You must be willing to navigate beyond the confines of your certificate to really make a meaningful impact in life.

One of the most profound laws in science is the Avogadro’s Law, which proposed that under controlled conditions of temperature and pressure, equal volumes of gases contain an equal number of molecules. Amedeo Avogadro made a lasting impact in the field of Mathematics, Chemistry, and Physics and also made the city of Turin in Italy popular all over the world for his famous and legendary discovery. He later became a Professor of Physics at the University of Turin.

Unknown to many, Avogadro actually studied Law and graduated in Jurisprudence in 1792 and subsequently became a senator in the Piedmont Region of northern Italy. He pursued his doctorate in Ecclesiastical Law and obtained his higher degree in 1796, but there was something missing in Avogadro’s life that the study of Law could not fulfill- his secret love for sciences.

He pursued law at the insistence of his Father, who wanted him to inherit his Law firm and empire. But his heart was actually in the sciences.

His father, Filippo, was a magistrate and senator seriously obsessed with his own aristocratic background and felt that his son must follow his own trail. Privately, without his father’s permission, Amedeo created time to pursue his heart desire in Mathematics and Physics and eventually proposed a law that changed the field of science forever.

The Avogadro’s Constant (6.02 × 1023), the number of molecules in a gramme molecule or mole of any substance has become a fundamental constant of physical science and arguably the most important constant in the field of Science.

If a man that obtained a doctorate degree in Law could propose a foundational law to guide scientists, then you must also endeavor to think beyond your certificate. Your certificate may not reveal your natural endowment and unique abilities, and that is why the list is endless of people who studied something in school, but later found out that their circle of impact is really beyond their certificates.

Jim Rohn said: ”Formal education will make you a living;Self-Education will make you a Fortune.” Most of the world’s richest people today dropped out of school when they realised that their schooling was interfering with their education. They came to a juncture in their lives when they needed to make a decision between formal education in school and self-education beyond the school walls.

Formal education makes you a living; Self-Education makes you a Legend. Formal education would teach you how to conform to society, while Self-Education would teach you how to get out of conformity so that you can fill your life with adventure and beauty.

My own personal life trajectory has followed a pattern that I never anticipated. I studied Pure Chemistry at the University of Ibadan and also had my Master’s in Analytical Chemistry, but today, people know me as a Columnist in national and international tabloids. I am privileged to be the Editor-in-chief of a youth magazine and mentor to the youths on so many platforms.

Amazingly, I never learned all these in school; they were the hidden passions that I developed and nurtured personally over the years. The skills I am using today are not reflected in my certificates.

We have to be more robust in our approach to learning and must never allow our schooling to interfere with our education. Graduates that don’t think beyond their certificates would ultimately become endangered species in a world that needs Multi-Skilled Abilities to solve problems.

I am reaching out to all the graduates out there: Stop attaching your frustration to government and lack of jobs. Stop attaching the reasons why you are poor to external forces. You are poor because the skills needed for you to be rich are beyond your certificates. Acquire experiences that are beyond your certificates. Get exposures that are different from your qualifications in school. Think beyond your certificates and your possibilities would be limitless.

Please teach your Children, Grand children, Wards and family members of the above principles and life will be better for all and sundry.

Worth sharing

Business Digest

On BU$I₦£$$ DIG£$T this morning, January 22, 2021


Are you simply cooperating with people to achieve greatness or collaborating with them?

If you are striving for excellence and higher-level thinking, collaboration is the way to go.
The difference: cooperation is working well together while collaboration is “wanting” to work together.

In the great words of Dr. John C. Maxwell, “to collaborative team members, completing one another is more important than competing with one another.”

Just make sure, your collaboration is a WIN-WIN situation and not parasitic, but highly beneficial!

If this touched you, kindly share with someone out there.

Dr. Emmanuel Idenyi Shaibu
animn, ace, f.hcd, f.dss, m.frcn, fimc, cmc, cms, FAiPA, DPA
The Millennium Entrepreneur


On BU$I₦£$$ DIG£$T this morning, January 20, 2021


It is clear to me that people are hungry.

¶Hungry for knowledge.

¶Hungry for financial freedom.

Simply put, they are hungry for a different future than what they see around them.

¶People are tired of being controlled.

¶Tired of having fear dictate their future.

¶Tired of simply surviving.

This tiredness and hunger must spur a serious WHY in you to find a solution.

The future of your financial freedom depends largely and solely on you, not on your employer or the Government.

The Government has borrowed Pension Funds and now they want to borrow unclaimed dividends and monies left in customers dormant accounts in deposit money banks for upwards of 6 years. And the Finance Bill 2020 has empowered them by law to do so.

Kilode gaan na???🤷‍♂🤷‍♂🤷‍🤷‍

If you don’t wise up now, when will you?

If this touched you, kindly share with someone out there.

Dr. Emmanuel Idenyi Shaibu
animn, ace, f.hcd, f.dss, m.frcn, fimc, cmc, cms, FAiPA, DPA
The Millennium Entrepreneur


On BU$I₦£$$ DIG£$T this morning, January 19, 2021


Last Saturday I was on a Facebook LIVE session anchored by the enigmatic Coach Sam Obafemi where he gave an unconventional advice which is “In 2021, don’t depend on Social Media for your Marketing” then following the video he broke it down into pieces.

That video can only be accessed now if you are a subscriber of Diary of a Coach.

What he meant in that teaching was, be humane in your social media conversation; don’t just throw messages out there and expect traction and conversation, it will not happen.
People will want to be connected with and to you via your social media engagement, that is when they will buy.

The so called money you are looking for is in people’s hands and pockets; how you relate with them is what will put the money in your own hands.
Remember, “you cannot reach your life goal as a lone ranger”-C.T. Oni

This will help you to productize your services and improve bottom line.

An Entrepreneur in Jos, Plateau State that has been able to do this sufficiently is, DKNI Stores owned by Mrs. Deborah Katu.
If you have been following her timeline, you will realise that you will be connected to what she sells. She does it so well that she does not even need to boost any post or sponsor adverts or use even influencers – she hardly even tags anyone. Yet she gets patronage from all over Nigeria.

She was part of the GIZ SME Loop of 2018/2019 in Plateau State, so I know the history and growth of her boutique business and she connects with people and their emotions to drive home her selling points.

This is a skill she has developed over time and it’s worth celebrating. You may want her to give you some tips on how she has successfully serviced and still is succeeding in servicing her products using the Social Media Platform.

She is one of Jos’ finest Female Entrepreneurs who you can learn from and you will be glad you did.

If this touched you, kindly share with someone out there.

Dr. Emmanuel Idenyi Shaibu
animn, ace, f.hcd, f.dss, m.frcn, fimc, cmc, cms, FAiPA, DPA
The Millennium Entrepreneur


The differences between E’s, S’s, B’s, and I’s:

◇They desire security, and they seek out a lifestyle that will provide them with this.
◇They shy away from risk and subsequently, they see no need to become educated in the tools of finance.
◇They seek out benefits with their jobs.

◇They do not like to have their income be dependant upon other people.
◇A lower sense of entitlement here.
◇They have a “Nobody does it better than me” mentality.
This group would include doctors, lawyers, and all others who are self-employed. ◇Independence is very important to this group of people.
◇This group often has a hard time finding good work because they have such a high standard.
◇Their income is directly tied to how much they are working, meaning they effectively own a job.

◇They hire competent talent and then delegate as much as possible.
◇They recognize their own inability to perform all tasks well, so they hone their ability of finding and cultivating talented people to work for them.
◇Individuals in this group know that if they left one of their businesses, that in a year they could come back and find it more profitable and better running than when they left.

Being a successful B requires ownership or control of systems and the ability to lead people.

◇These people are most adept at making money work for them. And if at all possible they are using other peoples money.
◇They receive huge tax advantages.
◇The wealthy receive 70% of their income from investments and less than 30% from their wages.

Job security or
Financial security???🤷🏾‍♂️🤷🏾‍♂️🤷🏾‍♂️🤷🏾‍♂️🤷🏾‍♂️🤷🏾‍♂️
Some new persons keyed in today !!!
While you were analyzing🤔🤔🤔🤔🤔🤔🤔

*Is this YOU?*

*👉I don’t have the money to sign up in this business platform*

*👉 getting downlines is my problem*

*👉when I have the money, I will get back to you*

*👉When I am ready, I will let you know*

*👉I am very busy.*

*👉I don’t have time.*

*👉I can’t make it.*

*👉I will not be given a chance.*

*👉I cant afford it.*

*👉 the truth is, things are very hard for me*

*So these people are so busy yet doing nothing really productive, perhaps they are confusing ACTIVITY for PRODUCTIVITY.*

*”Painful enough, many of these people do not even earn something tangible at the end of every very BUSY MONTH..when people are earning weekly here!!!!🥶🥶🥶🥶🥶🥶.*

*From research and sampling, I have found out that you will find these SYMPTOMS with a group of People who are PASSING OVER OPPORTUNITIES REPEATEDLY*

*They are the ones who always say*

” I KNOW ”

*After 3 months when you see them again, they say*
*”I have not forgotten o……..”,*
*I have been very busy, I still have it in mind. 🙄”*

*After 6 months, they be like…*
*”Oh My God!… Why didn’t you tell me this is how it works, !*
*You should have forced me to join.*
*Now, I wish I started this back then”*

*The BIG question is -*
*What are you doing today to ensure you work less tomorrow and live a fulfilled life???….*

We are building a SYSTEM while we are also earning
SYSTEM….save yourself serious time energy and money

You can never work alone if the vision is huge
If you are working ALONE!! then the goal is small
The guys at the right side of the cashflow quadrant don’t EVER work alone they use



How well are you following trend?

Oil price has dropped and that’s the new talk of the town.

Before you join the discussion kindly take some minute on the street of Google to read everything about the development and it’s implication on the Global economy.

I did this all through the night and what I was able to deduced is that only the big boys will survive this global pandemic ish.

The big boys are in two categories

Guys with stack up cash
Guys with dynamic skills

Guys with cash can easily diversified into other sectors such as Chinese are already dominating the Agricultural sector in Africa.

They have the capacity to buy out the guy with skills, manpower, upgraded tech, utilities and others.

All things work for good as guys with skills can easily find their way into all sectors with their varying ideas.

If you are not in this two category – I’m sorry to say, you are on your own.

The hard truth is that many people will become poorer while only the big boys will become so wealthy and powerful.

How well are you positioning yourself for this challenge?

Don’t be hit twice!
Do all your best to get the needed skills that will position you for the postcovid challenge.

I don’t have stack up cash is not the excuse… Upgrade your skills!

If you are wondering what to learn in the Agricultural sector kindly visit for courses. Leave a comment on agriculture to get all our course, which is free at the moment.


I have never witnessed a health pandemic of this nature before.

However, after much promptings, I dug into my finance theories bags, and came up with the following comments/forecasts:

1. Future Income
2. Expenditures
3. Debts
4. Assets/Investments

*Future Income*:
Whether you like it or not, your current level of income cannot be guaranteed into the distant future.

Yes, for the next one to three months, but if this pandemic continues, I foresee organizations telling their staff that they can only pay half or quarter or zero salary until things get back to normal.

For this reason, my advice is that you should guard whatever money you have jealously because if the pandemic persists, many businesses will collapse, and the multiplier effects will be great.

As I write, some establishments have even asked their employees to commence some weeks of leave without pay.

But then, usually, during or after a crisis like the one we are witnessing, new businesses will also spring up as learnings from the crisis.

More people will be hired on part- time basis and many businesses will be conducted on-line etc. Existing businesses may be remodelled.

Interestingly, expenses will be on the rise!

The problem here is that “fixed” expenses like food items and medicines will continue to rise due to their scarcity (whether real or artificial).

Other expenses like rent (for those in rented apartments), electricity, transportation, fuel, toiletries, etc. will also be affected.

As basic and trivial as bathing soap or toothpaste are, their prices may also rise.

At this point in time, there is need to review your living/survival expenses.

Frugal spending should take the place of reckless or spontaneous spending. Proper/rational planning should be in place now.

If you think it’s going to rain
for forty days and forty night but goes to ninety days and ninety nights, what will happen?

I tell family & friends to plan for a MINIMUM of six months.

If a solution is found to the problem that we are experiencing now (a vaccine), then the better for everyone.

Taking and spending money borrowed is equivalent to spending future income today.

With the prevailing global uncertainty, this is evidently the worst time to borrow …, except of course for survival! For businesses, this is the wrong period for borrowing and doing so will be tantamount to business suicide.

Any individual that borrows for the purpose of starting a new business or for expansion of its existing business may be in for a rough time.

Except your business is in the food chain, and other essential or fast moving consumer goods (FMCG), then it will be unwise to borrow now.

Meanwhile, if you do not have money to stock your house with food under the current situation, please look for friendly loan to do so.

However, a salary advance from the bank is not the right decision to make.

I must also add that borrowing to invest in capital assets at this time is also not the right path to take.

It is time to begin to reap what has been sown … . It is also the time to sow slowly or sparingly.

It is the time to take a critical look at different available seeds and be selective in sowing them.

Some investments will continue to drop fruits despite this pandemic while some are already in jeopardy and their value nearly wiped out.

Very soon, we will begin to see many tenants owing landlords.

So if you are planning based on expected rental income, please develop plan B).

We will continue to see the value of companies’ equity shares crashing, foreign currencies losing value, exchange rate of Naira to other currencies will continue to worsen, etc.

Be cautious how you invest your money at this time so that you do not burn your fingers.

The general advice is to put your money in an investment that will at least retain its value even if it does not grow.

COPIED from: (Intelligence Advice Device (IAD) AUDITORS’ FORUM)


Watermelon is a fantastic hydrating natural product that has to be compelled to be eaten, thanks to its daemonic advantages. It is a nice wellspring of Vitamin A, Vitamin B1, Vitamin B6, Vitamin C, Pantothenic corrosive, Copper, Biotin, Potassium, and magnesium.

Did you know that seeds from watermelon supply several blessings also? How?

These seeds comprise of supplements like unsaturated fats, basic proteins, minerals like Minerals Potassium, Manganese, Zinc, Phosphorus and .

Watermelon seeds have amino alkaloid acid substance that acts as cancer hindrance agent that features a constructive outcome on account of induration of the arteries, high blood pressure, and erectile brokenness, consequently advancing the extension of veins.
These seeds are in addition useful in the treatment of urinary organ and track diseases.Consume tea from crisp watermelon seeds, stones, and sand within the kidneys will be normally evacuated!.

How to Prepare Watermelon Seeds Tea:
Step 1: Take 20-30 watermelon seeds.

Step 2: Crush and bubble them for 15 minutes in two liters of water.

Step 3: Devour this drink for two days and create a delay the third day and Proceed like this for half a month.

Advantages of Watermelon Seed
Beneath you will be able to discover all medical blessings that watermelon seeds bring around the table:
The seeds are an awesome wellspring of Magnesium that is needed for a standard capability of our heart. They also maintain the standard level of circulatory strain and improve the digestion system prepare. The advantages of watermelon seeds include:

1. Backing off the aging skin

Because of cell reinforcement properties of watermelon seeds, maturing age are backed off and your skin can have younger look.

2. Fights skin break-out

Clean your face with watermelon seed oil and skin inflammation, earth and dead skin cells will vanish. This oil is suitable for every skin types.

3. Counteracts hair damage
The seed has basic unsaturated fats which can keep one’s eyes off from hair damage.

4. Upgrades male richness
Watermelon seeds have carotene cancer hindrance agent that could be a fantastic and expert therapeutic technique to support the male intensity levels.

5. Treats diabetes

If you are simply managing diabetes These seeds drink is good for you and make preparation drink from a modest bunch of watermelon seeds


Step 1: Add watermelon seed in 1 liter of water for 45 minutes.

Step 2: Consume this drink not less than two times each day.

So when next you buy a watermelon, don’t discard its seeds. Simply utilize them.

Meet watermelon service providers near you