Welcome To #Shop2Earns Platform – Buy directly from Manufacturers at wholesale prices

I’m here today to launch my #Shop2Earns platform for all my fans around the globe who have or yet to have Paypal account and will love to shop online with ease from secure merchant sites like Amazon, Ebay, Walmart, etc.

But the good news is that all my fans who shop through this blog will buy any products of their choice at wholesale prices.

Please if you have any questions on how to shop online directly from the factory/manufacturers/suppliers and have your items deliver to your doorstep anywhere in the world, send your questions or inquiry to this email address: virgincodegroup(at)gmail.com or contact:

WhatsApp: +2348083077125
BBM: pin 2A29EA18
BBM Channel: C0017E48D, C002C0CC9
Twitter: @virgincodestore, @financialguru
Facebook Page: fb.com/jayandbeecollections

For those not yet register or sign up their PayPal account, below are the step by step guide on how to sign up (for Nigerians) and link it to your Naira account/Mastercard:

Paypal recently added 10 new countries to its
service, including Nigeria.

Anyone living in Nigeria can now open a legitimate and verified PayPal account without
any road blocks whatsoever.

To register for an account, simply visit http://www.paypal.com/ng from your computer. At the top right corner of the page, click on the Sign up button, and you will be taken to the ‘account type’ selection page.

First, make sure your country is selected as Nigeria, then choose Individual as your paypal account type unless you do have an actual business with an address and a building, then in that case you can choose the Business account type.

After choosing your account type, you will be
taken to the sign up form proper. Here you will be required to fill in your personal information.

For your password, you must choose a password that is at least 8 characters long and contains at least a number or/and a capital letter; if it contains neither a number or a capital letter, you will not be allowed to submit the form. Also, choose an email you will be keeping for a long time as that email is where transaction alerts will be sent; it is also what you will give to anyone who want to send money to you (in other words, that email address will act as your ‘account number’). The other fields are pretty straight forward. Go ahead and submit the registration form when you are done.

After registration, you will be taken directly to your account overview. The first things you should tackle are the notifications on the right side of the screen.

1. Verify your paypal email address: This one is pretty straight forward, simply login to the email account you used to register, then click the confirmation link in that email.

2. Link a credit card to your paypal account:
This is the ultimate verification step. You will need your ATM card to do this (I believe all banks now use internationally acceptable debit cards (MasterCard, Verve e.t.c). I am going to use GTB for the explanation since that is what I used to verify my account. When you click either the link in the notification area or the ‘Get Verified’ link under your name, you will be shown a screen with a brief explanation of what is about to happen; in summary, you must have at least $1.95 (N322) in your account before you continue. That cash will be taken from your account, and then returned back to you in 24 hours; this is just to verify that the account is yours. When you click continue, you will be shown the add card form. Select your card type then go ahead to type in your card number (this number is displayed in front of your card. GTB card numbers are about 16 digit long), cc code (this number is the 3 digit number displayed at the back of your card), and finally the expiry month and year for your card which can also be found on your ATM card.

After you have requested to be verified, check your mobile phone or email for the SMS or email alert from your bank. Check throgh the alert message for a text like PP*[XXXX]CODE .. where XXXX is your verification code. Copy out that four digit number then go back to your PayPal account overview page.

From your PayPal homepage, click the ‘Get Verified’ link, then on the next page, type in the four digit code you copied from your alert email or SMS. That’s it. You will be verified immediately, and the sending limit from your account will be lifted. (Culled from Jalingo.co)

In my next post, I’ll share with you all the links to shop from women clothing to branded smartphones..

#StayInspired

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This year the blog has came forth with a superb surprise. Teaming up the best artist from MID-BELT NAIJA to cook a smashing song for the company, titled SHUT DOWN and it features B-TONE, GEESIX, V.I, and BECEE. Produced by the maestro GENIUZ BEAT. this am sure gonna be a great song for its fans. Having over 25,000 followers. You will have no choice than to have this on your playlist.

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Five Key Traits Tomorrow’s Millionaires Possess

Want to know whether you’ll hit millionaire status in the near future?

Turns out you don’t need a crystal ball to figure it out. There are certain traits and behaviours that do a pretty good job of predicting your financial future.

That’s according to new research from Fidelity Investments, which found that today’s “emerging affluent” investors share many qualities in common with millionaires—and even deca-millionaires.

The seventh Millionaire Outlook Study defined the “emerging affluent” class as people between ages 21 and 49 with at least $100,000 of annual household income and a median of $250,000 in investable assets. Millionaires were defined as those with a median of $2.5 million in investable assets and deca-millionaires as those with $11.75 million.

Results showed that there are five key factors that will help emerging affluent investors ascend the ranks.

First up: their careers. Many of the emerging affluent work in information technology, finance and accounting—the same fields in which many millionaires are employed.

In terms of their salaries, the median annual household income for the emerging affluent is $125,000—which isn’t too far from millionaires’ median income of $200,000.

Members of the emerging affluent also approach their investments much the same way as millionaires and deca-millionaires. For example, all three groups are willing to invest aggressively to help maximize returns and to allocate a bigger percentage of their portfolio for riskier investments. What’s more, emerging affluent investors tend to emphasize the long-term growth of their assets.

But don’t think that all of these people were born with silver spoons in their mouths. The survey found that the majority of emerging affluent investors as well as millionaires and deca- millionaires are self-made—meaning they’ve earned or increased their assets on their own.

Curious to know what other ingredients make up the millionaire recipe? Read the post on nine money habits that can help you build wealth— from using heuristics to living somewhat below your means.

By Shana Lebowitz (Forbes.com)

Four Financial Moves the Rich Plan to Make in 2015 and How You Could Too

It’s hard to believe that the rich don’t have some secret knowledge about money that the rest of us “regular” people don’t have.

After all, the more zeros you have at the end of your paycheck, the smarter you must be about managing your finances, right?

Truth is, there’s no smoking gun that the wealthy possess.

Whether you live in a sprawling country estate or call a modest bungalow home, the fundamentals of smart money management probably don’t look all that different: sticking to a budget. Living within your means. Saving for a rainy day.

Still, it doesn’t hurt to take a peek at the finances of the well-to-do every once in a while to see what wisdom we can glean from their money moves.

So we tapped four wealth advisers who work with high-net-worth individuals to suss out what plans their clients have for their money in the coming year—to see what money lessons from the rich we may be able to adopt in 2015.

Read more: Here

Six Mistakes the Rich Never Make

Income inequality. One percenters. The wealth gap.

Unless you’ve been living under a rock lately or you avoid network news like the plague—you’re probably pretty familiar with these terms … and the implication that true wealth in America is too exclusive for most of us to ever attain.

Well, the truth is you don’t have to launch a blockbuster tech company, sport the last name Buffett—or pursue the kind of career that could be featured in a Michael Lewis book. (Although let’s be real—those things don’t hurt.)

What you do have to have? The right money mind-set, as well as the financially savvy habits that go with it.

“The primary difference between the wealthy and the rest of us is that they’re in control of their money—they don’t let money control them,” says Jaime Tardy, a business coach and author of “ The Eventual Millionaire,” who has interviewed more than 150 millionaires on how they accumulated their wealth.

“They have taken the time to learn how to work successfully with money, and as a result, they are the captain of their ship,” she says. “On the other hand, if you approach your finances from a place of fear or ignorance, you’ll be like a boat floating around the ocean without a motor.”

And that type of aimless attitude is what can lead you to make serious dollar-sucking mistakes — unless you learn to adopt some key good money habits of the wealthy.

So with that goal in mind, we rounded up the biggest financial blunders many people make— but prosperous folks avoid at all costs—so you can start to put their strategies into action to boost your own net worth.

Read more: http://www.learnvest.com/2014/10/money-habits-of-wealthy-people/2/

By Molly Triffin (LearnVest)

Would You Rather Be Rich Or Wealthy?

This post originally appeared on LearnVest. Would you rather be rich or wealthy? If you’re like most people, you’re probably thinking, “What’s the difference?” Turns out it has less to do with your assets and more to do with your mind-set, claims New York Times columnist Paul Sullivan, author of “ The Thin Green Line: Money Secrets of the Super Wealthy .” Those who are wealthy, Sullivan asserts in his new book, have achieved financial security because they’re in control of their money.

The rich, by contrast, may have more zeros at the end of their paychecks—but they have far
more precarious financial situations. Curious to learn more about this wealthy-rich divide, we caught up with Sullivan to better understand how each camp’s money behaviours truly differ—and what strategies we can possibly adopt, even if we aren’t members of the millionaire’s club. LearnVest: So what is the ‘thin green line’? Paul Sullivan: It’s an organising principle that came to me midway through writing the book: It’s a line that divides wealthy people from rich people, poor people and just about everyone else. You can think of it like a classic stock chart—it starts low, goes high, is a little jagged, and you can see the dips here and there. I thought that would be a decent concept to help people visualize the financial decisions they were going to make throughout life.

Can you elaborate on the difference
between the ‘wealthy’ and the ‘rich’?

Here’s an example that may help illustrate it. You could be young and just starting out in the
workforce, not making a ton of money. Maybe
you have student loan debt, and you don’t have a house or much savings, but you’re making the correct [financial] decisions relative to your age and income.

That in and of itself would put you on the right side—the wealthy side—of the thin green line. Another example might be a retired schoolteacher. She spent 30 or 40 years working, saved $100,000, paid off her house, and has a pension. She likes to go out with her friends, takes one or two trips a year, and volunteers. She’s also on the right side of the
thin green line.

On the other hand, you might have a hedge fund manager who has a giant house, multiple cars and a second home—but he’s over leveraged. If something goes wrong, he could end up losing everything. And things don’t even have to go wrong—they could simply not go right enough. Maybe his bonus is not what he expected, so all the decisions he’s made [assuming he’d get the bonus] could cost him. Even though he has a very high salary, he’s on the wrong side of the thin green line. Another way to think of the divide: If you’re wealthy, you’re able to make the decisions in life. If you’re not, life is going to make those decisions for you.

A hedge fund manager bad with money?
Really?

I had a doctor who was probably 50 pounds
overweight. You’d think that because he was a
doctor, he would know better. But he might also eat too much, and not exercise enough. It’s the same with hedge fund managers. You may think, “He works with money all day long;
he should have some understanding of this.” I’d
say that assumption is incorrect. It’s one thing to trade stocks in the hope of making a profit, and it’s another to make the right financial decisions for yourself. And think: If the people who do this all day long get things wrong, the rest of us are also going to make mistakes.

Many of the wealthy in your book make a lot of money. Can you really be wealthy making $40,000?

The short answer is yes—but your lifestyle has to match your income. If you want to fly from New York to L.A. three times a month and stay at a nice hotel, and buy new clothes every season, chances are you’re going to run up a lot of debt. And you’ll find yourself five years down the road unable to make your own decisions—you’re going to have the decisions made for you. I try to drive this home in the book: Money is a means of exchange. Certainly the more you earn, the more options you have. But there’s not a correlation that says those who have more money make better decisions.

What are some common mistakes that would impede someone from becoming wealthy?

I would say that mistakes one through three are racking up too much debt. That’s how bad it is— it’s worth three mistakes. And I’m not talking about taking out a mortgage to buy your first home. I mean those couple dinners out a week, or buying more shoes and sweaters than you need. The next mistake is not funding your 401(k). Take full advantage of what your company matches—and max it out. You won’t miss money that’s taken straight from your paycheck. Not being able to take advantage of saving when you’re young—and letting it compound over time —is a big mistake.

Here’s an interesting stat in your book: The wealthy spend 30% less on eating out, and save 30% more for retirement. Is this the secret to being wealthy?

I never want to come across as saying, “Don’t eat out, and put all your money into retirement savings.” Because you’ll do fine for three or four months, but then you’ll say, “This is no fun. I’m 25 years old—I’m not going to retire for another 40 or 50 years.”

But there are certain small changes that I believe can have a big impact down the road, like choosing a set amount to put toward retirement each month—and making that sacrosanct. And think beyond retirement. There are many other things to save for too. At some point you’ll want a house. Or your car will break down. If you can, first commit to saving whatever you can afford each month, then go ahead and eat out. This idea is more liberating because you’re following a plan—you’re not on a diet. And if you feel like you’re following a plan, that’s not a deprivation mind-set, but an empowering mind-set.

Does our upbringing impact whether or not we’ll be wealthy?

It will give us different money scripts for life. Say your family was about to lose the house. In example one, your grandparents came in and saved the house. In example two, your parents found a way to scrape together enough and save the house. In example three, they lost the house. The precipitating event is the same, but in each example you get a different outcome—and you’re going to take that lesson with you throughout life. It’s going to affect your relationship with money.

I grew up in modest circumstances; we were probably poorer than I realized. I had to make my own money because no one was going to pay my rent. And I wasn’t going to live on the couch, because the couch wasn’t an appealing place. So my money script meant that I didn’t want to spend—even once my wife and I had cash saved up and a nice house. I still found it really difficult, to the point where my wife would make fun of me. She’d say, “You’ve had these shirts since college! The collars are frayed!” With this money script, you probably won’t go broke in life. But if your script is that net worth and self-worth are the same, that’s very difficult. Then your script tells you, “If only I had a bit more money, everything would be better.” That might lead to choices that put you on the wrong side of the green line.

Since writing this book, have you changed anything about the way you live?

We sold our condo in Florida, because I learned that maintaining it was a waste of money. That was crushing. Do we have more insurance now? We do. Do we have disability insurance now? We do. Do we fund our daughter’s 529 plan before anything else? Yeah, we do. The temptation [to spend] never goes away. But the reality is that we have to know what we shouldn’t splurge on if we want to live on the right side of the green line.

(Forbes.com)

THE SECRET OF THE INVESTORS AND YOU TOO CAN BECOME ONE

I’m here today to share with you from the Robert Kiyosaki’s point of view the secret of the investors and how you too can use it for your own advantage.

The secret of the investors (I quadrant) is OPM: other people’s money. As you know, many people invest, but they use their own money.

To be a true investor, a person needs to learn how to use OPM to invest, either from banks, pension funds, or private investors.

A smart investor can use OPM in any asset class, including stocks, precious metals such as gold, and commodities such as oil. OPM is the secret of the investors, regardless of asset class. Once you learn the secret, you will see it used everywhere.

When Robert wife invested in her first house, she put down $5,000 and borrowed $40,000. The moment she did that, she became a true investor, using OPM to invest. When her husband used his credit card to buy the $18,000 units on Maui, he was using 100 percent debt to finance his investments. The moment he did that, he moved into the investors’ quadrant.

When the couple (Robert & Kim) invested $1 million with Ken and Ross, they did so because Ken and Ross business plan was to use bank money to get their money back. They got their $1 million back in three and half years. They use OPM as much as possible because they want their money back, plus they want to keep the asset, plus they want the cash flow, and they want tax advantages. That is what true investors do.

When Robert invests in oil, he uses OPM from the government and from the oil companies to buy his oil wells. When he invests in stocks, he use options and market momentum to buy his assets.

His rich dad often said, “Only lazy and foolish people use their own money.” OPM is the secret of real investors.