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Is MMM a Scam? 10 Reasons That Prove MMM Scheme will Crash



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Going down in the history, we shall understand what MMM really stands for. Is MMM a new scheme? Well, Is MMM is a business? Also, Is MMM an investment? Let get to know the history. What is really the full meaning of MMM? Is it the popular meaning given to it as Money Making Machine?
According to the popular site Wikipedia, “МММ was a Russian company that perpetrated one of the world’s largest Ponzi schemes of all time, in the 1990s. By different estimates from 5 to 40 million people lost up to $10 billion.  The MMM Ponzi scheme was shut down by Russian Police in 1994 and declared bankruptcy in 1997.

MMM was founded in 1989 by Sergei Mavrodi, his brother Vyacheslav Mavrodi, and Olga Melnikova. The name used for the company (MMM) was derived from the initial letters of the three founders’ surnames of this scheme. Clearing the misconception, it is not a Money Making Machine as many people think.


“Mavrodi was arrested in 2003. While in custody, Mavrodi was given until January 31, 2006 to read the documents in his fraud case against him. At the end of April 2007, Mavrodi was convicted of fraud, and given a sentence of four and a half years. Since he had already spent over four years in custody (2003-2007), he was later released less than a month later, on May 22, 2007. He later went on to creating yet another pyramid scheme called MMM-2011.

In 2015 MMM began operating in South Africa with the same business model as MMM-2011, claiming a “30% per month” return through a “social financial network“. Also, in 2016, MMM launched a website targeting the Nigerian audience.

In January 2016 the Chinese government banned MMM on the grounds that it is a pyramid scheme, (Ponzi scheme), and it is not registered in the country (and as a fraudulent scheme cannot be registered).” Source:

What is MMM?
MMM ( is a scheme company that guarantees people a 30% interest in addition to their initial registration fee after 3-4 weeks. The system solely relies on referral system in where the company guarantees you commission of a certain percentage when you refer someone to their network.

The MMM-Nigeria based website reads thus:
“MMM is a community of people providing each other financial help on the principle of gratuitousness, reciprocity, and benevolence.
In MMM you don’t have to make contracts or pledge your property. In MMM there are no lenders and no debtors. Everything is very simple: one participant asks for help — another one helps.”

However, targeting the Nigerian audience has started in 2016 in which the MMM Nigeria based site has boasted of over 500,000 members on its website. Is that a sign of flourish or stumble?

The Securities and Exchange Commission (SEC), has recently warned the general Nigerians on the activities of some online investment scheme specifically tagging this ponzi scheme called MMM.

The SEC’s website warning reads thus:
“The attention of SEC, Nigeria has been drawn to the activities of an online investment scheme tagged ‘MMM Federal Republic of Nigeria (

The platform has embarked on an aggressive online media campaign to lure the investing public to participate in what it called ‘mutual aid financial network’ with a monthly investment return of 30 per cent.

“The commission hereby notifies the investing public that the operation of this investment scheme has no tangible business model hence it’s a Ponzi Scheme, where returns are paid from other people’s invested sum. Also, its operation is not registered by the Commission.”

Therefore, the Securities and Exchange Commission (SEC) urged the general public to stay-off of this online scheme which is a deceptive one. Also, adding that this is unsystematic risk that is whoever joins this scam does so at his/her own risk. Describing this as an unsystematic risk shows that it is just a scam because nobody gets compensated for an unsystematic risk; it is a risk you can avoid, that is, it is an avoidable risk.

I ask myself despite the warning from such an authority and facts available online about the founder of this scam scheme, Mavrodi, who is the engineer and brain behind this global scam many Nigerians are just signing up for this latest version of his scheme in Nigeria. Should we say because of poverty? No, I don’t agree. Or should we say recession? I don’t think recession should be an excuse to be gullible and blind-folded with bait. Pitiable enough, many Nigerians put in their hard earned income into this scheme which will soon collapse. Are you shocked that it will collapse soon? Or do you think that how will it collapse? I will analyze it below.

Before my analysis to prove you that MMM will soon crash, we have all heard and read the news that South African and Zimbabwean branches of the MMM scam have crashed in which many people have lost huge amount of money. With this news, Nigerians remain adamant and still putting their money in the scheme. Funny enough, you see many Nigerians defending the scam scheme; I think my mail will be bombarded with responses and other negative words with the fanatic members of this scheme after reading this article.

Prior to this post, I have had chat with many Nigerians who are into this asking them questions relating to this MMM of a thing. The answers are just random; the answers are just my brother make your cool cash and leave the scheme. At least, it fetches you money without investment or stress.
The fact still remains that, many Nigerians know nothing about this scam scheme; what they know or understand is just that put your money and get 30% of interest in addition to your initial deposit. As a student in a field that relates to business, I believe you must carry out feasibility study on any business or investment before pooling your resources into such business or investment. With your feasibility study, many questions will be answered like;
The viability of the business

The Profitability of the business or investment

The future of the business

The risk associated with the business

The past trend (historical records) of the business and others

The significant of the business in the Economy
Asking myself these questions, I see that MMM is not worthy of putting my or your money into. The SEC, CBN and other financial authorities that have warned the general public have meaningful reasons for their statements. Now, answering the questions above with the MMM scheme;
Is MMM a viable business or investment?
No, MMM is neither a business nor an investment. Are you surprised that it is not a business? No, it is not. Looking at the definition of the MMM on the website of the company, you will see that it is not stated there as a business or investment but a helping hand process, that is, reciprocal financial help.
As defined by them, it is a community to help each other. I asked myself, is it a donation or charity community? As a member of this scheme (not me), the question is left to you to answer. I believe a charitable programme like MMM should not be called a business or investment. The fact still remains that, the deceptive bait called the commission of 30% of interest on your initial deposit has brainwashed and taken away the insight of many Nigerians to see the truth behind the scheme.
Is MMM profitable?
Without a doubt, the profitability of any business or investment is subjective. The definition of profit varies and depends on the investor. Taking the MMM scheme as a case study, I see it not as a profitability scheme. Did you say why then? No, it is not. In the sense of business or investment, it is not profitable. The question bothering your mind now is that but they give 30% commission to their subscribers and even fixed a percentage of commission to any person that refers another individual into the scheme. Ask yourself today, where are the 30% commission and other commissions come from? I think from heaven!
Since MMM is a platform to help others financially neither a business nor an investment, then, how is the interest or profit given to the people in this scheme is gotten? I even ask these fanatic people of the scam scheme, is Mavrodi, the founder of this scheme making profit from this programme? How is he calculating the profit? How is the 30% commission given to people covered? My brothers and sisters shine your eye!
Does MMM has a future?
Before pooling your resources together and put it in this scam scheme, ask yourself this simple question, does it has a future? You investing your money in a scheme or programme that will not last longer is like buying a share in a company that will soon fold. Where holds the future of MMM? Ask yourself my brothers and sisters. A company so calling themselves who has no plough-back profits to maintain the running activities of the company rather than relying on the new intake will surely fold up. The examples from neighbouring countries have shown the future of MMM holds nothing than futile.
What risk associated with MMM?
MMM with risk? Many fanatic members of this scheme will never see any risk associated with this scam scheme. They even believe it is a risk-free programme as if it is a government bond. No investment or business in this world, all businesses are risky but it may vary. MMM tells you no risk associated with the programme. Have you ever heard a private institution engaging in a business without profit? If no, then, all private investments or businesses are risky except it is not a serious institution.
What are the historical records of MMM?
I believe with what you have read from the first paragraph of this post you will see that history or past records don’t favour this MMM of a name. MMM has a negative reviews with the atrocities caused by the founder. They have ran and stolen huge amount of money from people in different countries; Russia, South Africa, China, Zimbabwe etc
Even a layman who knows nothing about business will ask you before I put my money into this; have you heard about the business? What are the reputation, history and past records of such business? The history line has let known that MMM is a scam in which we should not invest our resources unto it.
What is the significant effect of MMM on the Economy?
Without a doubt, Nigeria’s economy is not favorable at this moment but the fact still remains that MMM as a scheme will just worsen the situation. The scheme itself has no other target than the worse or weak economy. The devil brains behind the scheme target countries that are facing hard times and having the poor economy. They know with the poor economy, the citizens of such countries will find it too difficult to have a high standard of living. When MMM scheme was introduced in China, South Africa, Zimbabwe and others the economy of such countries was at their poor moment. They used the moment to exploit the weaker people because you hardly find rich men involving in this ugly scheme.
Let me cite an example so that you can understand, assuming a man in this country ours, regarding the condition on ground and someone comes to him and tell him I know you are suffering but with just a small amount do you know you get 50% or 40% of your money in a short period without stress or work. Just sit down and your money keeps growing and truly the man got the 50%. Do you think the man can’t do anything to crave to get huge amount to any length to put money into such scheme? Then, MMM is one of these types.
Furthermore, the feasibility study discussed above is enough to let you know that MMM is nothing just a scam. I tell you, some people will still not be convinced with the questions of the study then, there are many other facts that tell you that has nothing good for good then take your money and go.
I have had arguments with many people so called guru or top beneficial of this scheme whom are now organizing tutorials to get new members on board. They just feel and see you a bad market tool for spreading false of the gospel of MMM. I have also read discussions on social media about this hottest MMM scheme in Nigeria. The better side of the argument is that the scheme pays, enriching their pockets and making it from the scheme when they are finding it hard to even sustain at the present economy of the country. The focus of attention is just on the benefits and the profit (30% commission) diverts and blind folded them to see the sinking future of this Ponzi scheme.
Are you asking what a Ponzi scheme is?
A Ponzi scheme is a form of fraud in which the belief in success of a nonexistent enterprise is fostered by the payment of quick returns to the first investors from money invested by later investors. This is how this MMM works!
MMM may be new to Nigeria because it just came into existence in 2016, but the whole world knows all the hidden part of this Ponzi scheme because it has been founded since 1994. On July 22nd, 1994, MMM offices in Russia were closed by the Russian police for tax evasion.
The attempt to continue the scheme by the company after closure few days later was in futile and finally ceased operations. At that point of closure, the MMM company was owing between 100 billion and 3 trillion rubles to the investors (from $50 million to $1.5billion). This collapse led to 50 investors committing suicide having lost all of their money in the scheme.
At this point of typing this article, I still have some discussions with the so called Masters in the scheme who organized a tutorial who came to invite me for the scheme. We had a hot discussion which he eventually dodged many questions and said come to the tutorials ground with your questions, every doubt or contemplation will be explained. Many Nigerians have been attracted and deceived with the 30% commission on your money contributed to help another person. Though, no doubt that many Nigerians have received the said commission and have reaped from the scheme. Despite the reaping, I will give some reasons to cut the article short why MMM is not worthy to jump into to invest your money.
The reasons that show you MMM is a scam and will soon crash are as follow;
The misconception about this scheme is that, many Nigerians think it is either an investment or business they can put their money and many earnings from it. It is clearly stated on the website that, it is neither business nor investment so the agent of devil coming to you has been lying to you that it is an investment to put your money and earn.

The brains behind this scheme are so smart telling you my people, make sure you use your spare to deal with them. Use money you think is not that significant to your daily living. Money that if you lose it in the course of this scheme that might not pain you. Is N10,000 or N30,000 many Nigerians put into this scheme a spare money? This is a question begging for answer. At this time of recession, is there any Nigeria can afford taking two meals per day let alone saying having N30,000 or above as spare money.
The promise of high rate of returns on your deposits is something suspicious. Even a standard company with reputation will never give you such a high rate of returns on your share with them let alone a new birthed community called MMM promises such high rate of returns. The bizarre thing is that, educated fellow are plugging in their money into something that is not an investment with promises of a 30% commission per month not even yearly. Have you any investment given such rate per month? Then, please let me know. Don’t tell me MMM or Pennybrain etc
Had it been the scheme has been engaging in activities to make profits and give back 30% returns to their subscribers as gain made, then, I wouldn’t have any issue with them but as said by them on their website, it is not an online business it is just a community where of people providing each other financial help.
The main bone of contention is that, where is the money coming from? To my surprise, the guy I had a discussion with told me is from the other people who put in their money. I hope you understand. The money of new intakes is being used as commission if new intakes fail to come then, the collapse is certain.
The platform said, you willingly provide help to other people with your spare or unused money. After which your account will be credited or rewarded for helping someone else. I think, this is a help then I think the MMM founder should borne the commission but the participants are still the one at the receiving end for this. For example; Let assume Mr A puts in N10,000, he would be expecting 30% of the N10,000 at the end of the month which means (0.3 x 10, 000 + 10,000) = N13,000. Now, Mr B Invests N10,000 now Mr A will be paid N13,000 which means N3,000 has been deducted from the N10,000 donated by Mr B. After this transaction, only N7,000 remains in the circulation and Mr B will also be expecting his N13,000 at the end of the month. Unless new intakes (Mr C) come that Mr B can be paid, if not then Mr B will be in position as told by the MMM agent called Pause, that is, until new people bring money in that you will get pay.
I don’t think those who put in their money into this usually visit the website or read the manuals because it is clearly stated that, this rate of 30% commission should be considered as your earning at all. Is this just looking new to you? I think you have been deceived my brothers and sisters. The reason why this 30% is not seen as yield or interest rate is that, your funds were given away for free. Did you just see that, you have just given away free money?
As the founder and the spreaders of gospel say, they do say MMM is a just mutual aid platform where ordinary people help each other. MMM says, they have no interest in this but just aiding the process of people helping each other. MMM just regulates the process and nothing more, then, what is the profit of the organization for establishing such programme? A Russian coming down here to Nigeria saying he is creating a platform where Nigerians will be helping themselves each other by exchanging their funds and gain nothing from it. Please help me ask Mr Mavrodi if is the economy is the best in the world? While targeting African Countries not Europeans or South Americans? You are telling me it is a mutual aid platform.
Reading this statement alone makes it glaring that this scheme is just a deception. A programme that tells you, your money or interest is not guaranteed then why many people are still adamant to waste their hard earned income on it. Do you think I formulated or fabricated the statement? I urge you to get MMM manuals or visit their website to confirm it.
A big question is that, the founder, devil brains behind the scheme is not earning or making profits from the scheme. As said earlier, why bringing something into existence when there is no interest attached to it. Tell me, MMM was founded not for profit? Is it a charity programme? Even a charity programme will seek fund from the wealthy personalities to fund their programme. If not for a reason, why coming down to Africa; South Africa, Zimbabwe and Nigeria. I will urge the founder of this programme to visit the likes of England, France, USA, Canada, Germany, etc with this scheme and let see what happen. Why Africa, a big question! If it is true that they are gaining nothing then the people putting in their money are losing nig time.
Finally, the falling down and crashing of this scheme is at sight. You ask me how? There are two pivotal things to the end of this scheme soon;
The technical instrument in engineering this scheme is the coming of new intakes. If new people are not joining the scheme then the title of a movie comes in MMM has fallen down. It is clearly stated on their website that, all members should be honest and kind to others.
The brain behind MMM has put in places strategies to work against this but will surely not work because if lies travel for thousands years the truth will surely come one day. They will even ask their subscribers to make videos and upload it on YouTube to deceive many people. It is even crystal clear now that, the scheme is going down already, many people have been complaining of delay in payment. If these people fail to put in their fund then, the downfall is coming already. They have turned it into door-to-door campaign for the scheme because the inflow is no more sufficient.
From the hit discussion I have with one of them, he said, the only way the scheme can fall is that if everybody withdraws their money. He even used bank as a case study that, let assume customers in a bank go and withdraw their money. Will such bank not collapse? I laugh and I told him MMM is different from bank. It is not even a bank. A bank will never tell me my money is not guaranteed then I will put my fund there. A bank is a business entity will make profits from lending money out to investors to cover up for any withdrawal. I shut him up.
It is better to heed to advice, my brothers and sisters. Some people are not ready to listen to anything. I pray the downfall doesn’t cause another calamity in this country and no to suicide as the case in Russia. The scheme has already said that they should not be held responsible for anything.
Nigerians are smart, after several warnings from necessary quarters if the other side of this scheme happens, then, we all know whom to blame. Many people will then take the social media to blame the government, politicians, and others.
I believe my mail will not be bombarded with messages for publishing this article. What I will just say is that, save a life. Share it with others, educate and liberate people around you.

It is advisable to stop risking your money on such system. Though you might be making your cool cash money from it, there is a high possibility that you will lose it all. I am telling you, it is just a matter of time till the law catches on, or Sergey Mavrodi decides to close down the racket.


Are you still asking a question that when will MMM scheme come to an end? It is just a matter of time. One is certain my people, the longer the time bomb ticks, the larger will be the bang and damage when it explodes.
An African proverb says a fly that refuses advice of it to stop perching on a corpse follows it into the grave.
To know more, you can simply Google MMM or go to this link;

The only thing that MMM demands from its participants is, to be honest and kind to each other. You ask for financial help when you need it, you give financial help when you are able to do it.”

It doesn’t matter if people are making money. One day you will get burned.”
MMM is not actually the first ponzi scheme, you can also read here: 10 Of The Biggest Ponzi Schemes In History

Any comment or contribution? Use the comment box below to express your opinion.

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Saminu Abass Ola who is popularly called ‘Mr. Possible‘ is a young motivational and inspirational speaker and writer, who is also the brain behind this wonderful blog. He is also passionate about Social Marketing. He believes in the abilities of others and tends to bring out the hidden potentials in people’s lives through his motivational articles and words of inspiration.



Amazing Tips for Overcoming Fear of Starting a Business Venture



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Is it the right time for me to start a business venture? What if my company fails? I do not have enough experience to start my own business venture? Should I wear my tedious work at the office to go to the unknown? Well, these are some of the concerns that prevent many people from starting their own business venture. Indeed, many will have the right plan, but taking the first step is always the hardest.

These are some fantastic tips to overcome the fear of starting a business venture.

Failure is a part of the business venture

Asking why they should start their business, although they set up a business plan five years ago, the majority of people will say they are afraid to fail. If I fail, how can I maintain my family? Will not I get into a much worse financial position? It is true that most companies fail in their first three years. However, it is also true that even the most successful businesses did not fail once, not twice but many times before they even broke.


There is no perfect plan

I’m waiting for the complete plan before taking my business trip. My plan still has a few grey areas and will not work. The truth is that there is no perfect plan. Unfortunately, many people spend a lot of time on the same idea or postponing. Business is a journey and no destination. And the only way to be successful in learning the mistakes. The sooner a person accepts that there is no perfect plan or perfect timing, the easier it is to start a business.


Search for a mentor

Just like a child starts to crawl before he walks, business is the same. It did not matter how competent and informed you are, starting a business comes with its challenges. One of the most common concerns is lack of confidence or proper guidance. Such problems can be overcome by looking for a business mentor. A good mentor will have hands-on experience with a similar type of company. He will guide you and minimize errors.



As long as we remember, starting a venture has always been a big challenge. The main reason for not going into business is still due to failure. This probably explains why two-thirds of Americans are employed. The above tips for overcoming the fear of starting a business venture will be useful to any ambitious entrepreneur. The winning formula does not reflect on how to do it but do.

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Reasons You Must Not Use Your Personal Email for Business



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Personal email accounts are accessible almost everywhere. They are types of mail you use to receive messages from friends and family members. Most personal email services have web-based mailboxes, where you can read, write and edit emails from any computer. Though there are some email accounts that can only be opened at work, such is described as a business account. As an adult, you need characters and skills to keep up career.

Do you wonder how many employees use their personal email accounts for business purposes? Who uses your email for personal reasons?

Business and personal emails are two different things. Every entrepreneur or business persons must have both personal and business email addresses. These two email addresses must be separated and used for different reasons. Though there are some jobs that don’t require you to differentiate the two email addresses. However, there are some which you must have different emails, such as Sales representative, Accounting related job, medical health, freelancer, Marketing officer, Administrator, Credit Analyst, Agriculture Inspector, small business, combining entrepreneurship with health profession, engineer and many more.

The capabilities of each email address depending on the type of personal email account you choose to use and the type of account you have. The call to have two different accounts also mean there are different functions for each.

See these 3 good reasons why you should not use personal email for businesses.

It is not professional

Professionalism does not require informal activities. The communication through your email about your personal life is not professional. Therefore, it will be wrong to use a personal mail for an activity that requires a business email address.

Also, it would be abnormal to use your business email address to chat up your friends or family members. You should also know what to use these different emails for. Many officials likely to reject your mail is not sent with an appropriate email address.

If you are an employer or external translator, your personal business email may have been subject to an impairment. This can increase the risk of inappropriate communication and lost email. Also, if you are sending messages to other companies, business experts or customers, it will be wrong to use your personal email address.

Moreover, sending important information with your personal email does not look professional. Communicating with a potential customer using your personal email address as your primary email address does not look impressive.


Reduce privacy

Privacy is one of the things professionalism value. Personal communication using business email address is risky. You need to be careful how you use your email address when you are at the office. Many employees are not cautious of this situation. Men often use personal email for business communication, log in to their accounts and send emails regarding their work.


It is a security risk

It is crystal clear that many people use their personal email more often to communicate at work. However, it is risky for business security. The fact is that the files transferred might be vulnerable to viruses and other malicious activities as mails go in and out.

The use of personal emails for work is a risk that that can even cost your job. However, before you send any sensitive information, you must take operational safety into account and bear in mind that you have signed any document that prevents you from sharing important information. Security risk would make an employee to be responsible for the leak or lost information.



If these reasons stated above are not enough to stop using personal email for businesses, consider combining work and private life. We believe every individual needs safety tips for your career. Though we would advise you to have both personal and business email address for their different purposes.

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Why Most States in Nigeria Cannot Pay Workers Salaries – Dr. Joe Abah



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 This morning, I want to talk about why I think some states don’t pay workers salaries. As always, my intention is to explain, not to justify. It is immoral and wrong not to pay ANYBODY that has done agreed work, both in public and private life: civil servants or domestic staff.

Many states are public service states. In some, the main economic activities in the state revolve around the public service. The only good jobs available are public service jobs. Public servants are the elite. Everybody’s ambition is to join the public service. It’s prestigious.

The public servants are, if you like, the representatives of those in the rural areas. They are the educated elite who tell others what to do, even what to think. The salary of each public servant supports 30 dependents. They know how to write petitions. You don’t mess with them.

Because each salary supports 30 people, having high salary costs as a percentage of the budget is not seen by the people as a big deal in the states. It is seen as a means of direct distribution. So, a governor MUST recruit, pay and do infrastructure. Borrow, if necessary!

In some cases, personnel costs consume as much as 90% of state resources, even though the public service of that state is much less than 5% of the population. If you sack people, you’ll lose elections. It’s that simple. You may be forgiven if you sack AND REPLACE, like el Rufai.

So, you have less than 10% of resources available to spend on infrastructure, healthcare, education, security, youth, etc. As a governor, you know that if you don’t build roads, you’ll lose elections. If you don’t build gigantic structures in bricks and mortar, you lose elections

Now, assume that you defeated the incumbent governor to become governor. A month before he hands over, he will recruit an additional

10,000 people and dump them on you. They’ll report for work IMMEDIATELY! When you are sworn in, to sack them is a problem. To pay them is war.

At a point, Ekiti State which has about the smallest allocation from the Federation Account had the largest civil service in the country: 60,000 people. Even the Federal Civil Service is only 82,000 …and some people say it is bloated. You take over as a governor, in shock!

Now, the public service in the states is TOTALLY politicised. EVERYBODY ACTIVELY belongs to the ruling party. The main preoccupation of the civil service is party politics. Any contestations are within the same party. The only exception I’ve seen is Ekiti: about 50% APC; 50% PDP

Remember I said if you don’t do roads and build white elephant projects, you’ll lose. The same civil servants will tell the whole world that you are not doing anything, so you are not sure of their loyalty. There is no money. People that invested in your election are waiting…

So, to get anything done, you have no choice than to borrow. If you ask your Ministry of Works or Education to give you a quote for re-roofing a school, they’ll quote N50 million. You know you can do it for N5 million. You ignore the Ministries and do it yourself directly.

Because each successive governor has ignored them, they haven’t done any work in years and years. Any capacity they came to the Service with is now COMPLETELY lost. Indeed, you’ll need some convincing that some even have degrees. Many have fake degrees but that’s for another day. So now, as a governor, you are asking yourself why you should be spending 90% of State resources on this “useless, unproductive” 2%. You find it totally maddening. Also, you can’t raise taxes either. You can’t make enough money to be politically independent of your political sponsors.

Because capacity is so low and the cost of going through the public service is so high, you bring in your own staff and just award contracts from government house. You decide to throw a big party for your wife. The civil service prepares its dossier for EFCC when the time comes.

workers salaries

The choices before you are stark:

  1. Do the right thing, sack some and risk your political future
  2. Continue to pay them, do no projects and lose re-election
  3. Borrow massively to do projects and leave the Federal allocation to them
  4. Raise IGR, annoy market traders and lose.

Many governors will choose Option 3 and borrow massively. The problem comes when you’ve borrowed so much that you can no longer service the debt. You can’t afford to default on your loans. FGN guarantees international ones and will deduct at source. Also, local debtors don’t give time.

All of a sudden, you realise you can’t pay workers salaries. You promise them you’ll pay. Don’t forget that 30 people depend on EACH salary. The heat is so much that you start looking to borrow more. If you get “bailout funds”, you either want to do projects or pay other debts.

Since the public service has captured 90%, if you don’t do projects, you don’t make any money for yourself in kickbacks. So you build schools nobody needs, a state university or even an airport with the bailout funds. You continue to owe, and that’s how the cookie crumbles. End!

Join the trend of workers salaries here


Follow Dr Joe Abah on



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Cultivated Workplace: 4 Tips for Keeping a Clean Office



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Collectively working together in a small space is a great way to build friendships and collaborate on projects. However, that can only be accomplished if it is a pleasant place to work. One of the key ways to a pleasant workplace is a clean office. Because of all the time employees spend in the office, it should be treated just short of being a second home when it comes to cleanliness.

Here are the four of the best ways to keeping a clean office.

Point out Benefits of Clean Workplace

There are several hidden benefits of clean workplaces that most office workers may not know.Coming into contact with this bacteria every day is going to lead to illnesses, and effect not only productivity but morale. Once everyone in the office knows the benefits of a clean office, then they will work much harder to keep it clean than ever before.  A clean office will instantly boost morale and productivity of every worker. It will also help improve the health of everyone in the office. Bacteria loves to live in dirty confined spaces.

Create a Cleaning Schedule

It can be hard to get office workers to focus on cleaning when they are so focused on their job duties, so cleaning must be scheduled into their regular workday. The best way to do this is by dedicating at least one day a month to just cleaning the office. You may also want to make every employee responsible for cleaning one small area of the office throughout the week.

Stock the Office with Cleaning Supplies

It is simply impossible to keep an office clean if it is not stocked with the right cleaning supplies, like those offered by Mailander. This allows anyone to grab the right supplies any time there is a problem. Seeing the cleaning supplies every day will also remind everyone that they need to keep the office tidy. There is no excuse for having a big mess when there is a fully stocked supply closest.

Point out the Problems

If the office is going to stay clean over a long period of time, then there needs to be a way to report any problems. Put up a bulletin board that allows employees to complain about dirty areas of the office. This will create more awareness for the problem while also making everyone more responsible for their cleanliness.

Nobody wants to come into a dirty office every day. This makes it vitally important for every successful business to maintain a clean workplace. Implementing these four tips will instantly solve any of the cleaning issues in your office.

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Career Tips: 4 Ways Working Adults Can Update Their Skill Set



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You love your career but sometimes wish you were more knowledgeable and adept at your everyday tasks. You want to improve and progress in your company, possibly to a management or executive level, but don’t quite know where to begin. Furthering your education and your day-to-day skills can be accomplished by:


Taking Night and Weekend Classes

One of the best methods in which to improve oneself is to begin taking classes to keep up with others in your particular field. If you have been out of college for quite some time, be aware that much has changed in many job areas.

Choose the classes that will help you in your current career the most. You can also choose those classes which will prepare you for the next step up from where you are. You may say you cannot afford to go back to school right now. However, the truth of the matter is, you cannot afford not to.


Taking Online Courses

An excellent option for those with little time, with no reliable transportation, or with small children at home is online coursework. Courses in accounting, nursing, business management, and much, much more await the online student. Never before has the internet opened up so many possibilities for furthering an ambitious person in the work world.

For example, if you are a software engineer or web developer, it may assist you greatly if you took a course in coding languages, specifically Angular JS. This will help you create new and exciting applications in HTML. If you work in either of these careers and don’t know what these are. It is all the more evident that you need to take the online classes available. It is also important to learn more about these web applications.


Seeking a Mentor

Is there a person in your company whom you really admire? Is there an individual whose work ethic and decision-making skills are stellar? If there is someone whom you’d really like to learn from, approach that person about a mentoring arrangement.

A mentor is an individual who guides you toward those skills that you really need in the career that you are pursuing. They work either in the same career that you do or something similar. They also advise you and introduce you to the right people. This type of person is not afraid of sharing his success secrets with another individual who admires his capabilities.

If you cannot find a mentor, choose a famous person who has made it big in the field that you are working in. Read their biographies, outline their career steps, and learn from their mistakes.


Attending Seminars and Networking Events

If you really and truly do not have the time to attend regular classes. There are many evening and weekend seminars that you can attend to update yourself on various aspects of your job. Here you will meet others with like-minded goals and objectives.

And sometimes it is not what you know but who you know. Meeting the right person at exactly the right time can further your career more than any course of study. It is important to meet and greet individuals at networking events as they can be of huge assistance to you. They can be knowledgeable of openings that you might be interested in, training that is available or even is willing to show you the ropes in a career that you may be curious about.



If an individual really desires to stay abreast of trends and changes in his industry as well as increasing his skill sets, he will find a way to do it. If he doesn’t have time to engage in some of the preceding suggestions, it is important that he makes the time. This is what will help him become productive and successful in his chosen career.

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