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Financial Literacy: A simplified approach - Part I

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Hi guys, Longgggggggggggggggggg time no see, as Nigerians say. I have been working, trust me. July was delivery-heavy for me at work and some finance gigs I had been called to facilitate. One of this was the Dynamic Youth Fellowship (DYF) seminar for a work colleague’s church. This was to enlighten the DYF youth church on savings culture, investment buckets, risk appetite, understanding and applying basic financial skills. Hence, I settled for the theme – “Financial Literacy – A simplified approach” as summarized below. Financial literacy is the ability to understand and properly apply financial management skills, which include financial planning, properly managing debt, accurately calculating interest, and understanding the time value of money are characteristics of being financially literate. Furthermore, I also took them through some components of financial literacy, which includes budgeting, understanding interest rates, pri...
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Personal Finance: Setting Up Firewalls

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Dear Reader, Firewall and Finance? Who you? Where are you from? *in Indabosky's voice* . Simply put, "What’s the relationship?". There is actually a connection between both terms, which will be explained in this article.  When we think about Firewalls, we think about it's science, which refers to a network security system that monitors and controls incoming and outgoing network traffic based on predetermined security rules. I know that may be a lot of computing jargon, but stay with me, let’s think it through the Finance K.I.S.S way. Personal finance refer to financial management strategies, which an individual performs to budget, save, invest and spend resources over time, taking into account various financial risks and projections. To juxtapose personal finance and a firewall, in my opinion, a common link is strategies put in place to protect something – in this case your money. As a Firewall would, these strategies controls your financial inflows a...
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The Impact of COVID-19 on Real Estate Valuation

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Introduction The decline in the level of business activities, stock market prices, bond prices and overall asset prices implies that the impact of COVID-19 definitely has some impact on valuations conducted by valuation practitioners all over the world. In this article, we would explore some of the various areas where the pandemic would impact value and our best estimate of what the impact may be like. However, we do not possess a crystal ball of what the future holds and this should not be seen as a definitive pronouncement but rather a contribution to the industry’s conversation around this topic. Investment property valued by a valuer comprise the use of transaction volumes that are seldom available due to its indivisible nature and high price. Typically, valuers use historical valuations and comparable properties with values derived in previous periods that had different economic backdrops. As a result, property prices do not always react to the changes in expectations...
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