'I turned my front room into a full-time bakery'

Ben Gray explains why he turned his home into a bakery in lockdown.

from BBC News - Business https://ift.tt/hQMEY4A
via IFTTT

Martin Lewis 'begging, praying' for more energy bills help

Consumer expert Lewis says a lack of government support is causing a "mental health catastrophe".

from BBC News - Business https://ift.tt/cEtbTO3
via IFTTT

CEO Secrets: Mopping the floor and a lesson in feedback

Steve Vamos of accounting software firm Xero shares his business advice for the CEO Secrets series.

from BBC News - Business https://ift.tt/VUqvPK7
via IFTTT

Zimbabwe: Australian firm drills for oil and gas

Zimbabwe's first gas production could be led by a new well being drilled in the north of the country.

from BBC News - Business https://ift.tt/xiJola7
via IFTTT

Cost of living: 'A lot of people have nowhere to turn'

Inflation could rise to 13% and the cost of living is putting a squeeze on finances, so how are people feeling?

from BBC News - Business https://ift.tt/RfuoWva
via IFTTT

Martin Lewis: Rishi Sunak and Liz Truss must set out energy bill plans

The consumer journalist says rising prices are a crisis on a scale with the Covid pandemic.

from BBC News - Business https://ift.tt/9ct7iGR
via IFTTT

Truss: Business-as-usual policies won't stop recession

Liz Truss says her tax cuts are more important after the Bank of England's gloomy economic forecast.

from BBC News - Business https://ift.tt/6JZEV3W
via IFTTT

How to Stay Fit and Healthy on a Tight Budget

 Even the fittest of budgets can get a little tight when it comes to eating healthily. When you don’t have time to cook, shop for ingredients or prepare healthy meals, just adding more cost-cutting measures can be difficult. Luckily, there are ways to stay fit and healthy on a tight budget that still feel authentic and delicious. Follow these tips and you’ll leave your everyday life wondering what took you so long to adopt some frugal fitness habits!

Track What You Eat

It can be difficult to eat healthily on a budget when you don’t know what you’ve spent. Keeping a food journal can help you see where your money is going so you can be more strategic. You can use this journal to track your daily meal cost, the ingredients you use, and any other expenses like grocery store parking or take-out. Having access to this information can help you stop over- or under-spending on food and better your overall budget.

Walk Instead of Drive

If you have the option to walk instead of drive, it can be a big money-saver. Not only can walking improve your health but it can also save you a lot of money in gas costs. Plus, walking can also be a great way to clear your mind and de-stress from a busy day. If you don’t have the option of walking, biking or taking public transportation, try to carpool with friends or family when possible.

Exercise for Your Mental and Physical Health

People often neglect their mental health as they focus their efforts on getting fit and healthy, but exercising for your mental health is just as important as exercising for your physical health. Exercising can decrease stress and improve your mood, which can be important for people who are experiencing mental health issues. It’s also important to note that exercise can increase your metabolism and make you more likely to burn calories even when you’re at rest. This can be especially helpful for people who are trying to lose weight.

Read About Nutrition and Fitness

There are a lot of myths floating around about nutrition and fitness, and reading up on the subject can help clear up some of them. Reading about nutrition and fitness can help you better understand the components of a healthy diet and increase your knowledge of both. Nutrition is a big topic, and it’s important to learn as much as you can so that you can make your own decisions when it comes to eating.

Stay Hydrated with Food or Water

There’s no point in trying to eat healthy if you’re not hydrated. Not only can dehydration make it more difficult for you to eat your food, but water is absolutely essential for keeping your body functioning properly. If you don’t have access to a fridge or water, try to keep a water bottle with you at all times and drink whenever you feel thirsty. Even if you don’t feel thirsty, you should still drink plenty of water. It can be difficult to remember to drink water when you’re not thirsty, so try to keep a bottle or bottle and cup with you at all times. This way you can take a drink when you need to. If you don’t have access to a fridge or water, try to keep a bottle of water with you at all times. This way you can take a drink whenever you need to.

Plan Ahead so You Don’t End up eating Out

Planning ahead can be a great way to save money while staying healthy. Eat as many of your meals at home as possible so that you don’t have to deal with the costs associated with eating out. Planning your meals in advance can help you stay on track and prevent you from ending up eating out too often.

Borrow or Buy Luxury Foods When Needed

Sometimes you just need to splurge a little. This is especially true when you’re trying to stay fit and healthy on a tight budget. Sometimes you just need to treat yourself and spend a little money on something special that you know is good for you. Make sure to only buy these foods when you truly need them. Don’t buy things like, “Oh, I’ll just have a piece of this piece of cake.” Instead, make a plan for what you’ll do with each piece and how you’ll feel after. Keeping a mental note of these things can help you avoid overspending.

Conclusion

There are many ways to stay fit and healthy on a tight budget. These tips can help you keep from spending too much money when shopping for groceries, exercising and eating healthy. Tracking your costs and planning ahead can help you save money while staying healthy. If you need help with these or other tips for staying fit and healthy on a tight budget, talk to your doctor or a nutritionist. They can help you identify areas where you may need extra help, so you can make the most of your limited funds.

21-year-old Nigerian woman celebrates being a virgin

21-year-old Nigerian woman celebrates being a virgin

By Muhammad Rawayau

  21-year-old Nigerian woman celebrates being a virgin

A delightful youthful Nigerian woman, Ezinne Obianuju, has taken to virtual entertainment to celebrate being a virgin at 21.

The young woman, who is pleased with the accomplishment in a Facebook post on Thursday, June 30, reviewed a portion of the provokes she's needed to confront as a result of her purpose to keep her modesty.

She guarantees that she has had a great deal of bombed connections in the past since she wouldn't be cozy. She recognized that leftover a virgin is troublesome, and that she every so often feels enticed to surrender, yet the Lord invigorates her.

"Being a virgin at 21yrs it hasn't been simple. A great deal of enticements And losing connections. Now and again I simply need to open my legs yet am solid in the master, he said thy will not commit have sex". She composed.

A wonderful youthful Nigerian woman, Ezinne Obianuju, has taken to web-based entertainment to celebrate being a virgin at 21. The young woman, who is glad for the accomplishment in a Facebook post on Thursday, June 30, reviewed a portion of the provokes she's needed to confront in light of her purpose to keep her modesty.

Ezinne Obianuju

Some time prior , a youthful Nigerian woman distinguished as @Queenistonia on Twitter, experienced harsh criticism via virtual entertainment after she took to the stage to uncover she's a virgin at 23.

The lovely 23-year-old, by means of the miniature writing for a blog stage shared a photograph of herself as she uncovered she had consistently went without sex, gladly declared she's as yet a virgin.

"23 despite everything a virgin, what might be said about you?" She tweeted.

One would have expected that netizens would cheer the woman for her sexual virtue, nonetheless, she was hauled to rottenness and netizens uncovered physically inducing photographs of her.

The woman got weighty reaction from netizens who reprimanded her for professing to be a virgin after severally sharing unseemly photographs of herself on the web.

The most effective method to Apply for NG CARES Stimulus Program - Grant of 750 Million from 2022

The most effective method to Apply for NG CARES Stimulus Program - Grant of 750 Million from 2022

NG CARES Stimulus Program Application 2021: The Nigeria COVID-19 recuperation and monetary improvement (NG-CARES) program is an intercession, intended to reestablish the occupations of all Nigerians poor and weak Citizens, keeping up with food security, and working with recuperation of miniature, little and medium business.

The National COVID-19 Action Recovery and Economic Stimulus (NG CARES) will help weak Nigerians who were hit by the pandemic.

It is a multi-sectoral program intended to give prompt crisis alleviation to powerless and unfortunate Nigerians, smallholder ranchers, and little and medium ventures that were unfavorably impacted by the COVID-19 pandemic utilizing the World Bank award of $750m over a time of two years which is from 2021 2023″.

Each state will get the amount of $20 million over a time of two years while the FCT will get $5 million and the Federal Care Support gets $15 million with impact from June 30, 2021.

Target Businesses:

Miniature organizations (3 - 9 workers)

shopping center organizations (10 - 50 workers)

Application Supporting reports:

Evidence of ID (NIN, Driving License, Voter's Card. And so on.)

Confirmation of home (Utility Bills, Voters Card)

Confirmation old enough (NIN, Voter's Card, Driving License)

Confirmation of Bank Verification Number (BVN Printout appropriately stepped by the Bank)

Steps to Apply for NG CARES Stimulus Program

To apply for the NG CARES boost program, intrigued candidates can apply through the NG CARES is the central government drive with help from the World Bank to moderate the impacts of the COVID-19 pandemic. Intrigued candidates can apply through the NG Cares specialists/enumerators in your networks or contact your local area CDC Chairman, Women Leader, or Youth President for enlistment data.

How this 30-year-old turned into Australia's most youthful independent extremely rich person during the pandemic

This 30-year-old turned into Australia's most youthful independent tycoon during...

Scratch Molnar is something of an Australian symbol.

The 30-year-old is credited with reevaluating the ways of managing money of millions of recent college grads, acquiring him a spot on his country's young rich rundown.

What's more, presently, as the pandemic supercharges his installments business, its taking off share cost has shot him to tycoon status.

"You can't actually process what's going on in light of the fact that a ton has happened extremely quick," Molnar told CNBC Make It.

Roused by emergency

Molnar is the fellow benefactor and co-CEO of Afterpay, a "purchase presently, pay later" installments stage that permits clients to amaze the expense of their buys over normal, without interest portions.

This year, the six-year-old tech fire up became probably Australia's most sultry stock, flooding 1,300% and multiplying dynamic clients to 11.2 million as the Covid pandemic prodded new ways of managing money.

Afterpay prime supporters and co-CEOs Nick Molnar and Anthony Eisen.Afterpay

In any case, when Molnar sent off the business a long time back with his neighbor, Anthony Eisen — a venture official 18 years his senior — it was because of an alternate emergency totally.

"(There was) this pattern that I'd seen experiencing childhood in the 2008 monetary emergency," he said.

A millennial installments item

Molnar, then, at that point, a trade understudy at the University of Sydney, saw that youngsters' ways of managing money were evolving. His hypothesis? That youngsters had become incredulous of conventional monetary items, for example, Visas, which can prompt spiraling obligations.

"Turning into a grown-up during that timeframe was telling," he said. "You saw guardians, or companions of guardians, lose their positions, and basically the millennial partner all in all said: 'I like to spend my own cash; I'd like to spend on a charge card when contrasted with a Mastercard.'"

Our manner of thinking was: how would you turn this totally on its head?

Scratch Molnar

Fellow benefactor AND CO-CEO, AFTERPAY

So Molnar and Eisen chose to concoct a new, millennial-accommodating option for conceded installments, that would charge retailers for deals as opposed to charge customers for reimbursements. Under the "purchase currently, pay later" model, customers can spread the expense of a buy (up to $1,500 Australian dollars, or $1,115) north of four equivalent portions, while taking part retailers pay a little commission — around 4% to 6% — on every deal. Assuming a client misses a reimbursement, they are hindered from the assistance until the full expense of their buy is paid off.

"In my idea of the conventional money space, by far most of pay was produced using the purchaser, not the retailer. Furthermore, our manner of thinking was: how would you turn this totally on its head?," said Molnar.

Winning VIP backing

In the wake of sending off in late-2014, the business saw speedy development. Cash-tight purchasers loved the equivalent portions model, while retailers, quick to support deals, were glad to pay a little charge to get on the stage.

In the span of two years, Afterpay figured out how to raise nearly $18 million ($25 million Australian dollars) on the Australian Securities Exchange in an intensely oversubscribed first sale of stock.

Be that as it may, the business just took off globally after a tweet from reality star Kim Kardashian, following Afterpay's U.S. send off in 2018.

Her sister's beauty care products brand, Kylie Skin, is currently one of thousands of retailers, including athletic attire Lululemon and German active apparel creator Adidas, that have heaped onto the assistance as purchaser propensities develop.

Moved by the pandemic

The pandemic has just sped up that pattern.

Throughout the spring lockdowns, Visa charge card exchanges fell by over 30% year-on-year. While charge card exchanges likewise plunged in similar period, they recuperated rapidly in May, as shoppers began spending again on retail and home improvement products during their visit inside.

Visa credit and charge card exchanges in the U.S. in March to May 2020.Visa

"Assuming you see what's happening in the ongoing pandemic, like what we found in the 2008 monetary emergency, there's this particular shift away from credit to charge," said Molnar.

That has additionally supercharged Afterpay's development.

A taking off stock cost

In the wake of dropping to $8 Australian dollars per share in March 2020, the stock cost was up 1,300% to hit a high of $105 Australian dollars in November.

Chinese tech goliath Tencent paid more than $200 million for a 5% stake in the organization in May.

That has made Afterpay probably the most sizzling stock in Australia and slung both Nick and Anthony — who each own 7% stakes — to very rich person status.

Anthony, my prime supporter, and I made a standard from the get-go that we wouldn't watch the offer cost.

Scratch Molnar

Fellow benefactor AND CO-CEO, AFTERPAY

"Anthony, my fellow benefactor, and I made a standard from the get-go that we wouldn't watch the offer cost. Some of the time the offer cost goes all over, I don't think it implies we're an any better or more regrettable business throughout those timeframes," said Molnar.

Morgan Stanley is presently anticipating that Afterpay could hit around $88 an offer before the current year's over.

Purchase currently, pay later under observe

However, afterpay's fast development hasn't been totally generally welcomed. Pundits have contended that the organization supports exorbitant and impractical shopper spending.

"In one point we can situate it as how 'purchase presently, pay later' stages permit buyers to be more cognizant and wary about their spending. (In any case, it could likewise set weak individuals in a position where they may be spending more than whatever they really have," Hianyang Chan, a Sydney-based senior expert at statistical surveying firm Euromonitor told CNBC Make It.

Afterpay's purchase currently, pay later stage permits clients to amaze the expense of buys up to $1,500.Afterpay

Presently, purchase currently, pay later stages like Afterpay, Affirm and Klarna fall beyond buyer credit regulations in many nations. Interim, controllers are additionally worried that more modest retailers can't ingest the expenses of such administrations as effectively as bigger organizations, and that harms rivalry.

"Administrative bodies are seeing now no one but how might we safeguard the customers, yet in addition how might we safeguard the shippers," said Chan. "This is the sort of thing that will be a continuous discussion for a long time to come."

Molnar, as far as it matters for him, said Afterpay is presently in conversations with controllers about such worries. In 2020, Afterpay detailed 90% of its exchanges were paid on time. Generally speaking, late charges represented under 14% of the organization's all out pay, with the rest of from vendor expenses.

Worldwide development plans

Indeed, even as the business keeps on developing apace, Afterpay presently can't seem to turn in a benefit. In 2020, the organization's income multiplied to $382 million and misfortunes close to divided to $16.8 million.

Molnar said he is presently centered around driving that development forward by extending internationally. Key focuses for that incorporate the U.S., the U.K., and Europe.

In the U.S., we handled more than $4 billion of volume in the beyond a year, however it's our second entire year and we're simply getting everything rolling.

Scratch Molnar

Fellow benefactor AND CO-CEO, AFTERPAY

With that in mind, Molnar intends to move to the United States to head up Afterpay's worldwide development, while his co-CEO, Eisen, will keep on being situated in Australia.

"Various locales are in various periods of development," said Molnar. "In Australia, one out of three recent college grads utilize our administration consistently. In the U.S., we handled more than $4 billion of volume in the beyond a year, yet it's our second entire year and we're simply beginning."

Bitcoin and Travel - Top Things to Know

Bitcoin is a decentralized advanced cash that upholds numerous exchanges. This is the very thing you ought to be aware of Bitcoin and travel.

Bitcoin

The movement business involves numerous players, including carriers, visit administrators, lodgings, travels, and experience parks. While the business still intensely depends on conventional frameworks, for example, banks to handle installments from their clients, the headways in innovation and the changing buyer patterns have provoked many travel organizations to look for elective installment choices.

Bitcoin presently appears to be the most dependable elective installment choice, progressively embraced by many travel organizations and explorers around the world. Dissimilar to Visas or charge cards, Bitcoin installments are secure, momentary, and minimal expense. Additionally, its digitized and decentralized environment guarantees more noteworthy accommodation for both specialist co-ops and voyagers. Here are the fundamental things that you ought to be familiar with Bitcoin and travel.

Beginning

Bitcoin fundamentally fills in as an elective exchange cash to pay for different labor and products, including travel. It is digitized and just open on the web. In this way, there are a necessities that you should meet to utilize Bitcoin to pay for an excursion. The primary prerequisite for executing Bitcoin is a crypto wallet.

A crypto wallet is an application that stores private keys for approving exchanges. Anybody with admittance to the private keys can execute through your record. Thusly, you should stay quiet about it no matter what. You can pick either the different versatile and work area wallets offered on the web. Some are for nothing while others cost a little charge. In any case, you require a wallet that is not difficult to utilize and get.

You can utilize Bitcoin to travel assuming you have the assets. Thus, the following stage is to gain Bitcoin. Different choices exist for getting Bitcoin, including exchanging, mining, member promoting, and Bitcoin fixtures. In addition, you can likewise acquire Bitcoin from crypto loaning stages. Notwithstanding, purchasing the tokens is the most direct approach.

Laid out crypto trade stages like Bitcoin Prime permit substances and people to purchase Bitcoin straightforwardly with Visas and bank moves. They support crypto exchanging, meaning you can likewise utilize other cryptographic forms of money to buy Bitcoin from crypto trades.

Paying for Travel with Bitcoin

With a decent crypto wallet and some Bitcoin, you are currently prepared to begin utilizing Bitcoin to venture to the far corners of the planet. Not at all like charge cards you might have issues utilizing in certain nations, Bitcoin is a decentralized money acknowledged around the world. It isn't dependent upon government limitations or institutional strategies, permitting you to worldwide execute.

A few travel traders, including aircraft organizations, visit administrators, lodgings and resorts, and journey organizations, have incorporated crypto into their installment frameworks. Aside from air tickets, facilities, and voyage get-aways, Bitcoin can likewise pay for food, section to fascination locales and occasions around the world.

Be that as it may, not all movement organizations acknowledge Bitcoin. For example, you will be unable to involve Bitcoin in nations like China, where the public authority has prohibited organizations from utilizing crypto. Additionally, some movement organizations just acknowledge Bitcoin installments for explicit administrations. Consequently, first, research the movement administrators that acknowledge Bitcoin and the specific administrations you can pay for with Bitcoin.

A few internet based stages exist, including BitcoinWide.com and Spendabit, which you can use to find the movement specialist co-ops that acknowledge Bitcoin all over the planet. That would empower you to know the Bitcoin-accommodating travel organizations and objections while arranging trips.

Bitcoin can guarantee more noteworthy accommodation and cost-reserve funds to voyagers since it is a decentralized computerized cash, effectively available around the world. Nonetheless, additionally dependent upon consistent value changes would influence the costs of different travel administrations. Along these lines, a little information on the crypto market and how Bitcoin functions would be fundamental assuming you mean to utilize it to travel.

Apply for European Union (EU) Erasmus Mundus Joint Masters Scholarships 2022/2023 for Nigerians

By admin December 5, 2021

Apply for European Union (EU) Erasmus Mundus Joint Masters Scholarships 2022/2023 for Nigerians

 

Erasmus Mundus Joint Masters are high-level integrated study programmes at master level.  JThe programmes are designed and delivered by an international partnership of higher education institutions from different countries worldwide.

Erasmus+ funds scholarships for students to take part in these programmes. The masters programmes themselves offer these scholarships to the best-ranked student applicants worldwide, in annual application rounds.

Students at Master’s level from any country worldwide may apply.

You must have obtained a first higher education degree or demonstrate a recognised equivalent level of learning, according to national legislation and practices, in the degree awarding countries. You may also apply if you are in the final year of your first degree studies and will graduate before the master’s programme starts.

Benefits

EU scholarships cover the cost of a student’s participation in the programme, travel, and a living allowance.

Read also: Best hotels in Canada

 

Activities and outcomes

Erasmus Mundus joint masters programmes provide 60, 90 or 120 ECTS credits. This means that they last from a minimum of 12 months to a maximum of 24 months. The majority are 24-month programmes.

Your study must comprise at least two study periods in two countries (different from your country of residence). Programmes offer different study tracks that meet this condition.

The successful completion of the study programme will lead to the award of either a joint degree (i.e. one single degree certificate issued on behalf of at least two higher education institutions of the EMJMD consortium) or multiple degrees (i.e. at least two degree certificates issued by two higher education institutions of the consortium).

Applications and more information

First you should consult the online Catalogue of Erasmus Mundus masters programmes. Each programme’s website contains all the information you need on content, entry requirements and the universities for you to decide if this is the right programme for you.

The programme’s website will also take you through all the steps of the online application process.

A new batch of selected Erasmus Mundus Masters is added to the list each summer. Most consortia will require applications to be submitted between October and January, for courses starting the following academic year.

APPLY HERE