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Unimaginable things your digital device is doing to your life.

INTRODUCTION The average Nigerians spends nearly seven hours daily on digital devices, constantly bombarded by notifications, advertisements, and social media updates that fragment attention and trigger spending impulses. This digital immersion has created a new financial vulnerability—studies show that heavy social media users spend 26% more on impulse purchases than...
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Navigating Nigeria’s Tax Reform Landscape: Bridging the Gap Between Legislative Intent on Tax Refund and Administrative Reality

Among its numerous provisions, the NTAA 2025 introduces critical reforms that directly address one of the most persistent challenges in Nigeria's tax system: the cumbersome and often futile process of obtaining tax refunds. The significance of this reform cannot be overstated, particularly when viewed against the backdrop of Nigeria's historically problematic tax refund system.

4 Asset Class returns that are guaranteed to give you the best return on your investments

Asset Classes That Produce the Best Returns Historically, equities (stocks) have provided the highest long-term returns among major asset classes, with U.S. stocks delivering average annual returns of approximately 10% over the past century. Within the equities category, certain segments have consistently outperformed the broader market, including small-cap stocks, growth...
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Is Career Pivots and Financial Resilience our most Valuable Professional asset?

Career Pivots and Financial Resilience The modern career path has evolved from a linear trajectory to something resembling a winding river, with the average professional now experiencing 5-7 major career transitions during their working lifetime. Whether sparked by industry disruption, personal growth, or the pursuit of greater meaning, these pivots...
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Asset Classes That Produce the Best Returns

Historically, equities (stocks) have provided the highest long-term returns among major asset classes, with U.S. stocks delivering average annual returns of approximately 10% over the past century. Within the equities category, certain segments have consistently outperformed the broader market, including small-cap stocks, growth stocks in emerging sectors, and dividend aristocrats...
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