On Sunday, I spent about 30 minutes writing an article on personal finance and sent it to BellaNaija as potential guest post. Yesterday, it was posted and you can read it here: https://www.bellanaija.com/2017/08/michael-olafusi-3-money-mistakes-nigerians-make/ The comments people left have been amazing.

Straight out of university, a Nigerian youth wants three things: get a high paying job, travel to USA/UK, and buy a classy car. He then sets the foundation for a lifetime of bad financial decisions. Not that anything is wrong with wanting those things, the problem is the timing.
He wants it all in the next four years; so he sacrifices building a strategically focused career and acquiring skills of real value, for getting any job that pays the most today — even if it is not along his field of study or interest.
He consoles himself by saying he is just using the job to acquire enough money to go further his studies in the US/UK, and then makes the second terrible mistake of spending all he earns chasing foreign degree and travel pictures to show off on Facebook.
Finally, in between the job and the travel he buys a car using a flexible payment option or with financial assistance from friends/family. He has no long term strategic plan that doesn’t involve resetting his entire life every few years.
Every major decision resets his life — rather than build up strategically on what he has already. The high paying job is the first reset, cutting him off all his university study and field of knowledge. The car is another reset, emptying his bank account. Then the US/UK travel is the ultimate reset, he abandons all — job, car and career growth.
Not everyone follows that pattern completely, but most of us are guilty of that young man’s main sin: no long-term strategic plan that nicely builds up on all we achieve over time — especially as it relates to finances. Many of us suck at managing our money, and I want to help you break away from the common mistakes we often make in handling our money.
1. Following the Crowd
 I see people blindly following the crowd. This is why most Nigerian youths have similar mindsets and unreasonable expectations straight out of school. They are more in touch with the crowd than with reality. It is, also, the main reason a lot of people went into MMM and other bad investment decisions. They hear family and friends talking excitedly about how they are making a killing from them and they hop along. A financially illiterate mind is the fraudster’s workshop.
How do you become immune to the crowd pull?
It starts with proper financial education, the same way we became immune to our grandparents’ superstitions by being educated. Regardless of your field of study and career path, you need to educate yourself on personal finance. You need to be able to distinguish between what makes financial sense and what doesn’t. That is the only way you will resist buying a car too early in life when you are daily inundated with pictures of friends in their new classy cars. That is the only way you will be able to see beyond the immediate returns people are getting from unsustainable pyramid schemes and understand that there are other more enduring ways to grow your money.
So, in a sentence, to avoid the mistake of following the crowd, arm yourself with financial education. If you need guidance on free and reliably ways to become financially educated enough to constantly make expert money decisions, just shoot me an email at michael@olafusimichael.com
2. Saving Wrongly
 There are some, who either by nature or nurture, are able to resist spending their money recklessly. They make a regular habit of saving. Just that they commit another blunder: they save wrongly.
Is it possible to save wrongly? Yes, it is.
Mum said they bought the cow for her and my dad’s wedding for N900. That same cow now sells for over N250,000. Imagine she saved N900 that year in her bank account, today it will not even buy her a cow leg pepper-soup as the interest rate on money you put in savings account is negligible when compared to inflation (most banks even cancel any interest once you withdraw from the account more than twice in a month).
Whenever you use your bank account as your primary savings/investment account, you are saving wrongly. You might even be better off spending the money now on stuff you can sell in the future — like silverware, quality leather sofa and any other stuff with a life expectancy greater than that of a cow.
How, then, do you save wisely?
Have a proper investment account. If you are risk averse, do treasury bills and money market investment funds. If you can stomach some risk, then go for stocks and real estate investments. Just make sure you don’t hand that money to your bank, even if they say they’ll give you a good interest rate on fixed deposit account, it will still be way lower than what you’ll get from treasury bills.
3. No financial plan
 If you don’t track your expenses, income and savings/investment, you are setting yourself up for financial failure. Any going-to-be-successful financial plan is built on actual historical data and forecast of periodic expenses, income and savings. Once you have put in place a structured approach of monitoring and controlling your expenses, you begin working on growing your income actively and passively. The difference between your income and expense, your savings, serve a dual use. One is to provide you a cushion for shocks that come in life — unexpected expenses and emergencies. The second is that it becomes the seed for growing your income passively via prudent investments, which is the biggest component of all the super-rich people’s wealth.
As a rough guide for you, here is my own financial plan that I have been using for years. I have it broken down into steps below... (continue reading at https://www.bellanaija.com/2017/08/michael-olafusi-3-money-mistakes-nigerians-make/)
image: fourhourworkweek.com
Last week I bought two books: The 4-Hour Workweek by Tim Ferriss and The $100 Startup by Chris Guillebeau. And against some of the very discouraging reviews that has kept me off The 4-Hour Workweek, I found the book to be the best book I have read in two years now and wished that I had read it before now.

The 4-Hour Workweek is an action book. It forces you to rethink the way you have been doing things and act better. By the way, if you are about to read the book, I'll advice that you don't have too much spare money lying within easy reach. This is the type of book that is best read when you are broke or you'll end up spending your money on some bold bets.

It has fired me up to take actions I have been postponing and to stop viewing my progress in life by how busy I am. It opened my eyes to the value of time and how much it can multiply the reach of whatever income one earns. Using his very words, "You don't have to be a millionaire to live the lifestyle of a millionaire." If you aren't always pressed for time and are creative enough, you can enjoy all the things and experiences you felt you needed millions to access. You can travel cheaper and more flexibly. You can access more uncommon opportunities and you can follow a thrilling unique path in life.

As part of the learning I have gotten from the book, I am already planning a West African tour. I have gone to open an account with Ecobank since they allow one to withdraw directly from their ATM in local currencies of, especially the francophone, countries and are present in all the West African countries. And against spending over a million naira that a standard multi-country tour package costs, I will be doing more of road trip and plugging in business interests in the trip. I have always wanted to break into the francophone countries surrounding us and now I have an extra drive to attempt this.

Even my membership drive to join the Institute of Directors Nigeria got a renewed push. Using some of the tactics and advice in the book, I asked someone I don't know to become a referee (as they require existing members to be referee) for my membership application and he accepted. 

If you think you'll profit from some serious push, then I'll recommend you get the book and read it. And to shock you, I have just read one-quarter of the book. Can't imagine what more I'll find out when done reading the remaining three-quarter.
image: myajc.com

Sometimes the best way to overcome a temptation is to give in to it.

Say you are dieting and you feel a strong temptation to eat pizza and ice cream. You might make your life a lot easier and free up mental energy to do more productive things than battling that temptation if you indulge yourself in a very small size ice cream.

Or say you suddenly have this huge desire to want to go for a foreign vacation, somewhere exotic and where you've never been to before. Again, you can save yourself the whole recurrent battle of keeping the desire in check if you just travel to Cotonou beside us here and indulge yourself in a vacation-like experience there.

For me I often face temptations, it is the downside of being exposed to too much information. I get to come across a lot of things that interest me and give rise to expensive temptations. In just the past one week, I have come under the temptation to buy a new high-end laptop, to buy the Google Pixel phone, to buy a Samsung high-end phone and to travel to Mauritius. And that is just in one week. You don't want to imagine how many temptations I have faced in the last one year!

Yet I have satisfactorily been able to handle all these temptations because I give in to them in a small way. I allow myself small luxuries. It is amazing how buying a N9,000 Bluetooth headphone can wipe away your temptation to buy a new laptop and new smartphone. That amazing feeling of having overspent has a magical way of clearing all your other expensive thoughts. Even going to an expensive Chinese restaurant can wipe away the desire to travel out of the country.

There is, however, one thing that you need to do to make this small luxury cure effective. You must always keep most of your money out of easy reach. When you have N6 million in your ATM reachable savings account, a N9,000 Bluetooth headphone is not going to cure you of all your expensive urges. The magic is in having as little as N25,000 in your account so that when you get the N9,000 debit alert and see the balance of N16,000 you feel like you've made a very significant purchase. And for me, spreading my after-investment money across six different bank accounts help me achieve than effect easily without completely running out of money. It makes those little luxuries feel really really expensive and cures me of the big luxury temptation.
Yesterday, I forced myself on New Horizons -- scheduling, paying and taking the Microsoft Office Specialist (MOS) 77-888 Excel 2010 Expert exam in one day. Despite some very disturbing technical glitches that had me wasting about 20 minutes out of the allowable 50 minutes total time on 4 out of 29 questions, and required the test admin to hard reboot the computer, I still managed to attempt all the questions and passed with a 800/1000 score.


I have now fulfilled the certification requirement to kickstart the process of becoming a Microsoft Certified Trainer (MCT). The other two steps for me are to get an evidence of my instructional skills (either via a qualifying Train-The-Trainer type of certificate or a reference from a Microsoft Learning Partner) and another acceptable reference from my workplace/contractors.

I currently have trouble with the evidence of instructional skills. Though I have been delivering 2 to 8 training sessions monthly for the last three years, they just won't accept my word of mouth evidence. Then the Microsoft learning partner I reached out to, New Horizons, are at a lost about the whole MCT process and seem unwilling to make my problem theirs. Then the acceptable Train-The-Trainer certifications are not available here in Nigeria (as far as I know/checked).

Luckily, I will be presenting later this year in the MCT Africa Summit and two of the main organizers are MCTs. I reached out to one of them and he too was at a loss regarding how I should get past that stage. He got his 10 years ago and followed a slightly different path. The only sure option he provided was to attend the Microsoft backed Train-The-Trainer session that will happen before the MCT Africa Summit, in December. It's a little pricey and four months away. The other guy had to travel to the US to get his (or got his when he traveled to the US). 

In a wild shot, I emailed one of the Microsoft Learning team lead explaining my situation and asking for his expert advice. I hope he replies, and favourably.

It's really worrying that so many things other people in other countries have easy access to are either unavailable to us or very difficult to access in Nigeria. There are many things I see other people generate full-time income from in other countries, when I try them I get to battle all sorts of restrictions and in the end lose the battle. It happened to my Udemy online course, when Paypal showed me hell and seized my money twice or thrice, I gave up and made the high ranking course, that took me months of hard work to put together, free. And now I see it happening to my Amazon published books. The payment company I used to receive my book sales royalties sent me an email last month that they no longer process payment from Amazon for one of the book sales. Now I understand why so many youths get frustrated in Nigeria and seem to look lazy/uncreative compared to other youths in other countries.



If you are a project manager, financial planner, sales manager, marketer or business analyst, you need to be very comfortable using What-If-Analysis tools in Excel for flexible planning and target meeting.

In this month's webinar, I will be taking you through the practical use of the What-If-Analysis tools and Solver.
1. Goal Seek for knowing what to do to achieve a set goal
2. Scenario Manager for simulating different scenarios (best case scenario, worst case scenario, etc)
3. Data Table for creating a matrix of possible outcomes when one or two inputs are varied
4. Solver for doing linear programming, optimization and cost management.

The webinar will be on Thursday 24, 2017 for 3:00pm to 4:00pm.

Venue: YouTube live (https://www.youtube.com/watch?v=eE1yV9RNIko)


Don't miss it! Set a reminder to help you remember.

Also don't forget to join our webinar directory to be in loop of all our webinar events: Join Webinar Directory

Three days ago, I got a free coupon from Microsoft to take the 70-779 Analyzing and Visualizing Data with Microsoft Excel exam. It is currently in a beta mode, which means you don't get your result immediately until they've used the pool of beta testers to set an appropriate passing score. 

Also you don't get any preparatory materials -- no recommended study guide nor guidance from people who have taken the exam before sharing their experience online in forums. It is expected that you are an expert already in the domain the exam tests and can depend on your technical expertise to face the exam without any elaborate preparation.

In fact, they even let you select to do the exam online using your home office or room as the testing center. And that was the option I picked as I don't trust that the Nigerian testing centers will let me do an exam at their place for free (without paying directly to them).

It was no easy task setting up my sitting room as a testing center. I had to clear everything except the sofas, center table and dispenser. Then the test guide (called greeter) from the testing platform provider (Pearson VUE) had me use my webcam to show him a 360 degrees view of the room and then the ceiling and the floor. Not even phones were allowed close to me. Then I mustn't stand up or stay out of the webcam view throughout the over two hours exam or I am disqualified and exam cancelled. No one must walk in or speak to me. The whole set-up was a very tense one. I had to hold out my wrists so he can be sure I have nothing concealed there and that I am not wearing a watch. Also he had me open my computer Task Manager and guided me to close all other applications including ones that run in computer background -- like Dropbox, iCloud and Google Drive. 

The exam was over two hours long. Though I spent about one hour 45 mins, using my sofa and center table as desk made it a very uncomfortable and tiring exam for me. But I performed very well, by my own judgement, but will have to wait till November before I will see my results.

If you are interested in taking any Microsoft exam, especially ones you can do right from your home without needing to be at the scheduling mercy of a proctored exam center, visit https://www.microsoft.com/en-us/learning/exam-list.aspx 
image: theguardian.com
I am currently reading Thomas Piketty's Capital in the Twenty-first Century having completed reading Michael Lewis' Liar's Poker.

I am barely past the intro and I already find the book a great read. It has opened my eyes greatly to how income, wealth and politics have co-mingled from as far back as the 18th century. He explained how many economists have tried to predict the future of inequality for the past 200 years and got it wrong. That technology and human creativity, which are unpredictable, keep changing everything.

Though I am yet to read enough to conclude on what points he made but from the reviews from those who have read the entire book, his main conclusion is that in the capitalist system, which we all now live in, people who make all their money from labor (just their salaries and side hustles) will never catch up or even reduce the financial gap between them and those who make a large chunk of their money from capital (real estate, financial assets and businesses).

The part I have read, however, has taught me that it is a poor use of one's time and energy to try to predict the economic and political future of any country. Especially, Nigeria. That rather than me complaining and projecting into the future the sorry state of things in our dear country, I am better off positioning myself for any major shift in income and power (re)distribution. And that history has consistently shown that national economies change in unpredictable ways and when people least expect. The same way the land owning politically connected high class in the world economies of Britian and France during the pre-18th century never imagined that there would be an industrial revolution that would shift wealth from them to the hardworking and creative technologists (industrialists); and the 20th century industrialists never expected that there would be a rise of software/internet companies with little physical assets and built by straight out of school young chaps disrupting their century old businesses.

No one knows what will disrupt the Google and Facebook billionaires in the future, and again redistribute wealth. But one thing seems certain -- very little comes to those who don't position themselves for any value creation (and receipt).

image: stockinvestor.com
USA stock market has been rising consistently for the last nine years making it the second longest bull market in the US history as the average bull market lasts about four years. This and many other valuation signals -- price to earnings, stocks valuation to GDP etc. -- make it very obvious that the US stock market is due for a bear. 

I came to this realization last year November and promptly sold off all my US stocks and put the money in US bonds, international market bonds and emerging market stocks. But two months ago, I began feeling uneasy with my emerging market stock positions. Usually, whenever the US stock market tanks it drags with it the emerging market stocks as investment firms rebalance their portfolios by repatriating investment fund from their foreign (usually emerging) markets to acquire more of the depressed developed markets assets. The funds from that sale I put into a Gold ETF. Gold usually rises when stocks tank.

Then this week I became worried again. I had read that the bond markets are artificially propped up by government spending, especially the US bonds. Seeing how well even the Nigerian foreign bonds were snapped up, I needed no further evidence to see that even the international markets bonds I have are likely overpriced. So I sold off the bonds -- both the US bonds and the international market bonds. And while searching for which investment to put the funds from the sale into, I settled on PowerShares Deutsche Bank commodity index tracking fund, DBC. Commodities are the most likely asset group to gain from stock crash and DBC is a basket of 14 of the most popular and most liquid commodities in the world. So I decided to also sell off my Gold ETF and put the whole money into DBC. 

And that is an elaborate summary of my current market sentiment and strategy. I strongly believe that the US stock markets is going to crash soon as it has been over-inflated by government money (quantitative easing) and low interest rate, and now that the US government is already discussing reducing their balance sheet while increasing interest rate, both stocks and bonds will fall. 
I have begun building the web app version of my Nigerian Market Data App
Going from this already published Office App

To this type of Web App

For now I can't share the web address as there is still a lot of work to do on it. I am using a development template I bought on envato market to speed up the front end design and also using the latest Microsoft ASP.Net MVC core web application development platform. Been learning as I build the app.


I have now mastered one of the aspects of the web app development process that has been giving me a lot of problems before -- user login data management/access. The default user login system in the ASP.Net MVC app template uses a very difficult to access database that it creates upon initial run of the template and separates from the production copy. Now I have learned how to migrate to my own chosen external database and use across both development and production.

If I would be adding messaging, commenting and other real-time interactive features, I would need to dust up my materials on Angular JS as it is most recommended and widely used for implementing such features.

I am not in any rush and as soon as the web application is done to a useable level, I will share the web address with you all.


Culled from: http://www.chevening.org/apply/
Apply at: http://www.chevening.org/apply/

Applications for 2018/2019 Chevening Scholarships and some Chevening Fellowships are open and close on 7 November 2017. 

Before you apply for a Chevening Scholarship

Before starting your Chevening Scholarship application, you may wish to familiarise yourself with the following requirements:

In order to apply for a Chevening Scholarship

Once applications are open, please navigate to your country's application centre in order to start your application. The video below shows you how to get there:
In order to submit your Chevening Scholarship application, it is essential that you have the following ready:
  • Valid passport/national ID card
  • University transcripts and degree certificates (undergraduate, postgraduate)
  • Three different UK master's course choices

You may also wish to submit the following optional documents if you already meet the requirements. You can submit your initial application without these documents, but you will have to upload them to your application by 12 July 2018:
  • English language test results
  • UK master's university offer

Only documents in PDF format can be uploaded to the online application system, and documents cannot be over 5MB in size.

After you have applied for a Chevening Scholarship

To find out what happens once you've submitted your application, please refer to the application timeline
If you are selected for an interview, please refer to our interview guidance
Remember, if you are invited to an interview, you will be required to submit two complete references via the online application system no later than 26 February 2018. If you have not submitted your documentation by this deadline, you will be unable to proceed with an interview.


The business world is now data driven and every business professional must now be fluent in the language of data. William E. Deming had the most accurate way of portraying this new age: “In God we trust; all others must bring data.” Without data skills you will have a tough time influencing in the business world. You must learn to manipulate data, make compelling data stories and leverage data for insights.

UrBizEdge Limited, Nigeria’s leading business data analysis company is putting together this special training for proactive business professionals. This training is aimed at making you extremely good in Microsoft Excel, dashboard making, data presentation and business data analysis; teaching you with live business scenarios from our experience consulting for multinationals within and outside Nigeria. It's intended for Sales Managers, Financial Analysts, Business Analysts, Data Analysts, MIS Analysts, HR Executives and power Excel users.

You will get our high value materials, tea break + lunch, our branded DVD with over 20 training videos and practice files, training notepad with pen, a comprehensive training reference material, a training certificate from us (
UrBizEdge Limited, a registered Microsoft Partner), after training support and free refresher classes.

The training will be facilitated by a Microsoft recognized Excel Expert with Microsoft Office Specialist Excel 2013  certification and the only Microsoft Excel Most Valuable Professional (MVP) in Africa (there are just about 125 in the whole world and it is the highest level of recognition from Microsoft to an industry expert). We have had participants of our training from Citi Bank, Dalberg, SaveTheChildren, Mobil, Chevron, Vodacom, Nestle, Guinness Nigeria, Nigerian Breweries, Delta Afrik, LATC Marine, Broll, Habanera (JTI), SABMiller, IBM, Airtel, Diamond Bank, ECOWAS, Biofem Pharmaceuticals, Ministry of Finance, FMDQ, Schlumberger, Palladium Group, Nokia Siemens Networks and DDB.

To register reach Michael on 08089382423 and mike@urbizedge.com or Hannah on 08021180874 and hannah@urbizedge.com  or Opeyemi on 09020043560 and opeyemi@urbizedge.com to register. There is a class size limit.
Lagos Date: Friday  25th August 2017 to Saturday  26th August 2017
Lagos Venue: Kristina Jade Learning Center, 70b Olorunlogbon street, after Banex Hotel, Anthony Village, Lagos. 

Port Harcourt Date: Friday 22nd Sepetember 2017 to Saturday 23rd September 2017 for Port Harcourt.
Port Harcourt Venue: Aldgate Hotel, 20B King Perekule street, GRA Phase 2, Port Harcourt, Rivers state.

Abuja Date: Friday 27th October 2017 to Saturday 28th October 2017 for Abuja.
Abuja Venue: Hotel Rosebud, 33 Port Harcourt crescent, off Gimbiya street, Garki 11, Abuja.

The training outline is:

1) Data Manipulation in Excel 
We’ll show you, from a consultant expertise level, how to manipulate data in Excel. From data preparation/cleaning to data formatting the professional way. We’ll cover both the science and the art of data manipulation in Excel, and share very useful keyboard shortcuts and expert tricks that will speed up your productivity in Excel.

2) Data Visualization and Presentation in Excel
A picture is worth a thousand words. And in the business world, it is often the only way to not bore your audience and pass the valuable message you’ve uncovered in your data analysis. We will teach you the foundations of data visualization – from the different types of charts to when to use each of them. Then we will work through business samples to learn the art part of doing data visualization right. You will learn the rules of business data reporting via charts and gain from our industry wealth of consulting for businesses in this vital area.

3) Large Data Analysis: Pivot Table, Pivot Chart and PowerPivot
You should never say you know Excel if you don’t know how to use Pivot Table. It is that important. It is Excel’s premium tool for analysing large data – sales data, inventory data, HR data, transaction data and most business operations data. We are going to cover from the basics to the very advanced use of Pivot Tables. We will show you how to create dynamic reports with Pivot Table; how to overcome some of its layout issues; how to turn off the distracting controls in your final report; how to create calculated fields; how to create Pivot Charts; and the special tricks only a full-time Excel consultant can show you that will turbo-charge you Pivot Table skills. Then we’ll show you how we analyse data of up to (and even above) 30 million rows in Excel. Yes, in Excel. Heard of PowerPivot?

4) Business Data Analysis 
In this section, we teach you the secrets that separate the analysis experts from the people with head/academic knowledge Excel. It is one thing to know the different tools in Excel and it is another completely different thing to know how to expertly mix them together to creatively deliver value at high speed. As full-time Excel chef, we will show you the secret ingredients that make companies consult us even when they have Excel super users in their organization.

5) Executive Dashboards and Reporting
This is the level self-knowledge will not get you to. How do you create an uncrowded insightful visualization for a report with 1000s of rows? Then how about for your sales analysis report of many products and regions? How do you show the different interactions in your data? In short, how do you bring your data to life and take it from a boring confusing mass of text to an interactive exciting visualization? You have to come to get the answers.

6) Excel to PowerPoint
Management level reports are best presented in PowerPoint. When you’ve got a delicate story to tell, you have to guide your audience through a one idea/insight a slide PowerPoint. We won’t teach you how to design slides but we will teach you how to make your chart slides speak very loud. You will also learn the tricks of linking your PowerPoint charts to Excel. It will help cut down the hours you spend on weekly/monthly PowerPoint reports. We will also show you how to embed Excel files in your PowerPoint slide. No more sending separate Excel files when you can embed them right on the very slide you reference their data.

7) Excel VBA
Forget about all you’ve heard about Macros or VBA. Let’s show you how easy and exciting it is to break into the Excel VBA world.

Reach Michael on 08089382423 and mike@urbizedge.com or Hannah on 08021180874 and hannah@urbizedge.com or Opeyemi on 09020043560 and opeyemi@urbizedge.com to register. There is a class size limit.


For a taste of our high quality content, view our free tutorial videos at www.urbizedge.com/tutorials
image: wikipedia.org
I have finally gotten a hotel to partner with in Port Harcourt for our Excel and Business Data Analysis training classes. The plan is to do a quarterly training in Port Harcourt to cover our South South and South East clients.

For a long time we have had people call us from Owerri, Bonny Island, Port Harcourt and other places in the Niger Delta for our Excel and Business Data Analysis training class. And all the time we try to make them come to Lagos for the training. Some do come to Lagos and the rest say they'll rather have us come to them. And now we have come to them. 

I am currently in Port Harcourt for an in-plant Excel training for an indigenous oil company and have used to opportunity to find a perfect venue for holding our open training classes. I intend to replicate our Abuja model where we partnered with an expensive hotel to get very generous discounts in return for us perpetually holding our training classes in their conference room. They get multiple fold benefits -- we carry the hotel name in our adverts, use the hotel throughout our stay, use their very expensive tea break and lunch and provide them potential clients. We were able to get about 40% discount in Abuja, though it still came to a lot because the hotel is an expensive one (cheapest room is over N22,000/night) and their food is equally pricey. But the quality has worked well in our favour that I am sometimes tempted to want to seek out same arrangement in Lagos.

I have already discussed with the hotel manager and we will be finalizing tomorrow morning. The hotel is in GRA phase 2, very close to Genesis Cinemas. The location is excellent -- central, Ikoyi-like and calm. I will be planning towards next month or October for our first Port Harcourt class.

On another note, I am getting more serious about exploring the neighbouring countries. I have attempted Ghana before but got stuck with the logistics part -- especially collecting payment. Now I am thinking Benin Republic and Cameroon. I will start first with Benin Republic. I will go there this month or next month to start some ground laying activities. Making profit won't be our immediate goal but strategic positioning. 

Wish us luck!
image: prudentfinancial.co.uk
1. Feed Your Mind Aright
Ever wondered why many people, including very smart and educated people, fall for investment scams and ponzi schemes? It's because there is a deep emotional aspect to managing your money. Getting it wrong is a lot like fornication; the same way many people find marriage as a perfect way to avoid it so also will you have better luck focusing on doing the right type of investment rather than avoiding all investments.

I would suggest you try what I do. I am subscribed to over a dozen investment and financial planning websites, from Investopedia to CFA Institute. I installed a couple of investment and business news apps -- Seeking Alpha, Rubicon, Yochaa and The Street. And on Flipboard, I set it to scour Investment, Personal Finance and Business news for me. All these enable me to daily learn from older experts, gain deeper insights into how the investment world works and be aware of the right types of opportunities.

2. Act Small First
I find it very difficult to give people investment advice because it is a lot advising someone on what their best food should be: the only way they'll ever know is to try many types. You will have to put in your real hard earned money in the beginning before all what you are reading will be of any use or turn to profitable wisdom. 

I was very lucky that I started small, despite putting most of all I had, and I promptly lost all. It was the beginning of investing wisdom for me. I learned a lot of lessons that I can never forget and I got to see that book knowledge is not same as experience. Now that I am 10 years in my investment journey, most of all I remember and profit from are not what I read in books but what I got from experience. So you have to just brace up to start small and expect some bitter experiences. There is no book nor advice that can prevent you from your own stumbles as you learn to walk the investment world.

3. Make It Interesting And Addictive
Years ago, whenever I get some unexpected bonus or side cash I would head straight to computer village or amazon.com to buy some fancy new gadgets. The whole process of reading up on new tech, reading through reviews, being one of the first in my small world to own the gadget and doing cool things no one else around me is doing was very interesting and addictive. I would sometimes start scouring the market (offline and online) for the new gadget to get before I even get the alert. The entire process was fun for me. Usually more fun than after buying the product.

Now it's investing I have swapped out the tech gadgets with. You would have even noticed it from my blog posts: I now write more about what investments I am planning to do unlike a few years back that I used to write about what new tech gadget I can't wait to own.

The advantage of this is two fold. One is that the very process increases the amount of money I set aside for investing as against spending on other fun things. I know of people who travel and shop whenever some bonus money come into their hands. The other is that the deliberate research based way I take in investing the money makes me a better and more experienced investor by the months. People are amazed by how much I know and do in not just the Nigerian investment market but also the global market; it is all because I spend days, even weeks, researching online and offline the best way to put my money to the greatest investment use.


And those are my practical tips to financial investment prudence. Collectively, all these things I detailed that I do have made me a lot less tangible asset light. I have very little material assets to show for my money and if you had known me over the last seven years you wouldn't see anything indicating that I now earn over five times my 2014 salary, sometimes even more than my entire one year (2013) salary in just one month. I have slowly turned into L'Avare (a miser). So if you follow my practical steps be prepared to for that side effect too.
image: developmentcollection.net

As much as I am tempted to tell you that your grade does not matter, as much as I would like to tell you that the students who graduate with first class end up working for those who graduate with third class, as much as I would like to tell you that all the years you spend in school won't prepare you for the real world, I can't because it would be a lie.

School actually prepares you for life in the real world, the problem is that most of us fail to take some of the important classes. Many people see school as just a place to fill your head with books and fill you with the fear of exams. They are missing other important aspects of school. School prepares you in developing the critical interpersonal skills you will need in the real world even though it doesn't grade your social skills. School enables you to see the world for what it is -- filled with many unreasonable people who will try to force their own ways on you, especially when they are placed higher than you. You will have to manage lecturers who are very partial and have little empathy. You will have to manage pressure from home. You will have money problems, girl/boy problems, aluta/strike problem, book problem and, biggest of all, the fear of the uncertain future. Unfortunately, too many people focus only on how well they handle their book problem.

If you are still a student, you should aim to handle well all the problems school throws at you and not just the book related ones, because life after school will grade your skill in managing all those problems. 

You should learn to find your inner balance. People will always want to put you in one extreme corner as someone with an unbalanced life. They will either say you focus too much on books or you are too social or you are too churchy or you are too not smart. If you lead your life by what people say and let their dissatisfaction with your lifestyle get at you, you'll be miserable. And it's the same in the world outside school.

Also never underestimate the amount of doors graduating with good grades can throw open for you. If you are going to be unserious with your books let it be because you've already found something greater that you are serious with. Maybe you've become a successful musician or programming whiz. Don't make life after school for yourself harder than it should be just because you didn't want to be considered as a bookie. 

And for fresh graduates. Congratulations! Your really schooling has just begun. 

If you want to survive and thrive in the real world from your own smart, you will have to keep learning and unlearning. You will have to leave all the foolish thoughts of the world owes you a job or recognition for your diligence in school. The world owes you nothing. You have to start steering the wheel of your career train. The real world is a lot more like strategy game, think chess, than a spelling bee, who can memorize the most. Being good and hardworking is not enough. You have to add strategy to all you do and never stop learning. Read wide and more than you even did in school.

In the real world, there is no calendar nor the type of predictability you enjoyed in school. People in the real world are rewarded more for taking risks and venturing into the unknown than for waiting for guidance and taking exams.

If I am going to summarize my advice into just one statement, it would be -- always take knowledge driven bold bets and only compete with yourself.
There are days when I need to urgently post a letter, training certificate or a document and I find myself scouring the internet for the nearest courier service office. Luckily, in most NIPOST offices there is also EMS, the fast delivery postal service arm of NIPOST. But then, unfortunately, as it is with all government run entities, the quality of their service is crap. I once posted a document to a client in Kaduna, and after paying the specially high charges typical of speed post courier services, EMS, rather than deliver at the address on the parcel, called my client to come to their office to pick up the document. I was very embarrassed. Then, for months now, they don't wrap your parcel in those special cellophane wrappers if it is going anyway in Nigeria other than the centre of Abuja (maybe to keep the ogas in Abuja in the dark about it). I thought it was a joke, a bad one by just the Ikeja one I went. But it happened again in the VI one then I knew it wasn't a joke. Why on earth will I pay premium rate to have my letter delivered like a regular NIPOST delivery?

Now, I don't go to EMS anymore. Which creates a new problem. It is always easy to locate the nearest (NIPOST) post office, just ask people around and they'll direct you to it. It's not unusual that there will be a bus-stop named "post office" to ensure you don't miss your way. And once I found the post office, I found EMS. The new problem is now how to locate the nearest other courier services. Some people don't even know what UPS or Redstar or Fedex or Aramex is, let alone be able to direct you to the nearest one. Then DHL is known more by name than by location. So you can be a street away and still find no one able to direct you to those courier services office.

To permanently solve that issue for myself and, in the process, help you too, I have made a list of the offices of DHL, UPS, Fedex (Redstar), Aramex and Tranex in Nigeria. Enjoy.


image: today.ng

DHL Offices across Nigeria

DHL Service Point: DHL Express and Locker
DHL Owned Service Point,
1302A, Akin Adesola Street,
Victoria Island,
Lagos

DHL Service Point: Idowu Taylor,
DHL Independent Retail Partner,
NIM Building, Plot 22 Idowu Taylor street,
Victoria Island
Lagos

DHL Service Point: Muri Okunola,
DHL Independent Retail Partner,
Plot 230 Muri Okunola street,
Victoria Island
Lagos

DHL Service Point: Doculand Business Solutions
283 Ajose Adeogun,
Victoria Island,
Lagos

DHL Service Point: Victoria Island,
DHL Independent Retail Partner,
Kofo Abayomi street,
Victoria Island
Lagos

DHL Service Point: DHL Express Ikoyi and Locker
DHL Owned Service Point,
32 Awolowo road,
Ikoyi,
Lagos

DHL Service Point: Doculand Business Solution Limited
140 Awolowo road,
Ikoyi,
Lagos

DHL Service Point: Grocery .Com & Global Services
8 Eleko Beach road,
Lekki,
Lagos

DHL Service Point: Ajah,
DHL Independent Retail Partner,
Yomade Shopping Mall,
Awoyaya,
Ajah,
Lagos

DHL Service Point: DHL Express
DHL Owned Service Point,
Km 19 Lekki/Epe Express Way,
Cherub Mall,
Lagos

DHL Service Point: Blissworth Concepts
Km 40 Lekki Epe Expressway,
Eputu-Ibe,
Lagos

DHL Service Point: Alibon Travels Limited
Shop 17, 1st Floor,
36 Agungi road,
Lekki,
Lagos

DHL Service Point: Indaba Global Resources Ltd,
3 Addo road,
Ajah,
Lagos

DHL Service Point: Discovery Travel & Tours,
DHL Independent Retail Partner,
G4 VGC Shopping Complex,
Lekki,
Lagos

DHL Service Point: Lekki,
DHL Independent Retail Partner,
Suite 87, Sebuff,
Osupa, Lekki,
Lagos

DHL Service Point: Infonetwork System Ltd,
DHL Independent Retail Partner,
44 Obalende road,
Lagos Island
Lagos

DHL Service Point: Reachy Travels & Tours Ltd,
DHL Independent Retail Partner,
196 Oshodi Apapa Expressway,
Ilasamaja,
Lagos

DHL Service Point: DHL Express and Locker
DHL Owned Service Point,
DHL House,
Oshodi Isolo Expressway,
Lagos

DHL Service Point: Mega Dreams Ventures
18/20 Osolo way,
Lagos

DHL Service Point: Bernateva Partners,
DHL Independent Retail Partner,
30 Osolo way,
Isolo,
Lagos

DHL Service Point: Total Nigeria Mushin,
DHL Independent Retail Partner,
Total Nigeria Plc,
Mushin,
Lagos

DHL Service Point: Elitosh Nigeria Limited
296 Agege Motor Road,
Chalenge,
Lagos

DHL Service Point: DHL Express and Locker
DHL Owned Service Point,
MMIA Cargo Section,
Nahco
Ikeja,
Lagos

DHL Service Point: Trippmart Stores & Services
31, Fola Agoro street,
Shomolu,
Lagos

DHL Service Point: Kembys Enterprises
11, Olorunlogbon street,
Anthony Village,
Lagos

DHL Service Point: Enhaar Business Systems
DHL Independent Retail Partner,
134 Ipaja Road,
Agege,
Lagos

DHL Service Point: Molsima Travels & Tours
DHL Independent Retail Partner,
406 Lagos Abeokuta Expressway,
Abule-Egba,
Lagos

DHL Service Point: Princeline Agencies Ltd
DHL Independent Retail Partner,
Abeokuta Expressway,
Agege,
Lagos

DHL Service Point: Sohas SS Ventures
DHL Independent Retail Partner,
114/116 Ogba Road,
Ikeja,
Lagos

DHL Service Point: Marvel Enterprises
DHL Independent Retail Partner,
Shop C33 Greenland Shopping Complex,
Iju Road,
Lagos

DHL Service Point:Lucy -- Rinmola
Folarin street,
Alimosho, Iyana Ipaja,
Lagos

DHL Service Point: Ngozi Osemeka & Co
DHL Independent Retail Partner,
Suite 9, Adonai Plaza,
80, Egbeda,
Lagos

DHL Service Point: Temd Investment Limited
DHL Independent Retail Partner,
12 Ijaiye Ogba road,
Akilo,
Lagos

DHL Service Point: Angels Beauty Gallery
119 Akowonjo Road,
Egbeda,
Lagos

DHL Service Point: Funmi Aniboh
47 Diya street,
Ifako Gbagada,
Lagos

DHL Service Point: Travel Essentials
DHL Independent Retail Partner,
MMA2 Domestic Terminal,
Ikeja
Lagos.

DHL Service Point: St. Barbados Nigeria Limited
1, Mohan close,
Okota
Lagos 

DHL Service Point: Lucy - Ahonsi
Iju Road, Pen Cinema,
Agege,
Lagos

DHL Service Point: Bafun Investment Limited
DHL Independent Retail Partner,
61 Gobbi Plaza,
Egbe,
Lagos

DHL Service Point: Festac Town
Partner, 2 Avenue 205 road,
House 9, Festac,
Lagos

DHL Service Point: Total Nigeria, Ilupeju
DHL Independent Retail Partner,
Total Nigeria PLC,
Ilupeju 1,
Lagos

DHL Service Point: Goldenvee Enterprises
DHL Independent Retail Partner
Tinpet Filling Station,
Agbara Station,
Lagos

DHL Service Point: Total Nigeria, Tin Can
DHL Independent Retail Partner,
Total Nigeria PLC,
Tin Can, Apapa,
Lagos

DHL Service Point: Total Nigeria, Onigbogbo
DHL Independent Retail Partner,
Total Nigeria PLC,
Onigbogbo, Maryland,
Lagos

DHL Service Point: Eclipse
DHL Independent Retail Partner,
LUTH Premises,
Idi Araba,
Lagos

DHL Service Point: Amasam Travels & Tours Ltd
DHL Independent Retail Partner,
Suite 30,
Habiba Plaza, Maitama,
Abuja


DHL Service Point: DHL NASS
DHL Independent Retail Partner,
National Assembly Complex,
Three Arms Zone,
Abuja

DHL Service Point: Allstates Travels
Transcorp Hilton Hotel,
Maitama,
Abuja

DHL Service Point: Style Avenue Limited
911 Mall, Suite GS 10,
70 Usuma Street, 
Maitama,
Abuja

DHL Service Point: Total Nigeria Plc
Opposite Police HQ,
Asokoro,
Abuja

DHL Service Point: Paradise Integrated Logistics Ltd
Nanet Suite,
Central Area,
Abuja

DHL Service Point: Okolo Johnson
Abuja Shopping Mall,
Suite C9, Zone 3,
Abuja

DHL Service Point: Lemik Ventures
Edo House,
Ralph Sodehinde Street,
Central Business District,
Abuja

DHL Service Point: Noble Concept Global Resources
DHL Independent Retail Partner,
28, Location Road, by Eagle Plaza,
Oyingbo,
Port Harcourt

DHL Service Point: Akpajo
DHL Independent Retail Partner,
10 Old Refinery Road,
Akpajo,
Port Harcourt

DHL Service Point: Total Nigeria Rumuobiakani
DHL Independent Retail Partner,
Along PHC Aba Express
Rumuobiakani,
Port Harcourt

DHL Service Point: Nobik Exotic Concepts
DHL Independent Retail Partner,
140 Woji Road
Village by Culvet,
Port Harcourt

DHL Service Point: Charlinks Tours Travel Agency
Sonia Plaza,
YKC Roundabout,
Woji,
Port Harcourt

DHL Service Point: Lushatshe Services Limited
DHL Independent Retail Partner,
19 Alcon Road,
Woji,
Port Harcourt

DHL Service Point: Unik Ventures
DHL Independent Retail Partner,
95 Old Aba road,
Rumubiakani,
Port Harcourt

DHL Service Point: Isource Concepts Limited
DHL Independent Retail Partner,
Eugene Plaza opposite RCCG,
Woji road off Old Aba road,
Port Harcourt

DHL Service Point: Green Network Nigeria Limited
DHL Independent Retail Partner,
16B Okporo Road,
Rumuodara,
Port Harcourt

DHL Service Point: TK & I Ventures
DHL Authorized Agent,
6, Matiku Street, Obasanjo Way,
Ita Eko,
Abeokuta,
Ogun state.

DHL Service Point: TK & I Ventures
DHL Independent Retail Partner,
66, Ibadan Road,
Ogun state.

DHL Service Point: TK & I Ventures
DHL Independent Retail Partner,
Babcock University,
Ilisan Remo
Ogun state.

DHL Service Point: Bunnurr Global Services
DHL Independent Retail Partner,
72 Fajuyi Road,
Dugbe, Ibadan
Oyo state.


UPS
United Parcel Service Nigeria LTD
Plot 16, Oworonski Expressway
Gbagada Industrial Estate
Lagos 
Nigeria
Tel.: +234-1-2713605
Tel.: +234-1-2713606
Tel.: +234-1-2799757
Tel.: +234-1-2704983
Email: ng.customerservice@europe.ups.com

Lagos
Eleganza Building 1, Commercial Road
Apapa, Lagos 
Nigeria
Tel.: +234 12705577

Lagos
14 Toyin Street
Ikeja, Lagos 
Nigeria
Tel.: +234 12705577

Lagos
95 Awolowo Road
Ikoyi, Lagos 
Nigeria
Tel.: +234 12705577

Lagos
137 Broad Street
Lagos Island, Lagos 
Nigeria
Tel.: +234 12705577

Lagos
92 Ogunlana Drive
Surulere, Lagos 
Nigeria
Tel.: +234 12705577

Lagos
300 Herbert Macaulay Way
Yaba, Lagos 
Nigeria
Tel.: +234 12705577

Aba
2 Eziukwu Road
Aba 
Nigeria
Tel.: 08066054193

Abuja
Plot 2196 Cadastral Zone A1, by Savannah Suites
Area 3 Garki
Abuja 
Nigeria
Tel.: +234-09-2914624

Akure
26 Oyemekun Road
Akure 
Nigeria
Tel.: 09039043627

Bauchi
Horizontal Hotel Building 1
Yandoko Road
Bauchi 
Nigeria
Tel.: 07037075242

Benin
34 Airport Road
Benin City 
Nigeria
Tel.: +234-52-291910

Enugu
87 Ogui Road
Enugu 
Nigeria
Tel.: 07069667967

Ibadan
95 Moshood Abiola Way
Olusanya Ring Road
Ibadan 
Nigeria
Tel.: 08067760835

Ilorin
145 Ibrahim Taiwo Road
Ilorin 
Nigeria
Tel.: 09034181440

Jos
37 Rwang Pam Street
Jos 
Nigeria
Tel.: 07037075242

Kaduna
5 Ali Akilu Road
Kaduna 
Nigeria
Tel.: 08064529279

Kano
61 Murtala Muhammed Way
Kano 
Nigeria
Tel.: 064-431785

Lokoja
KPC Shop 313
Adankolo Junction
Lakoja 
Nigeria
Tel.: 08106645428

Maiduguri
Sir Kashim Ibrahim Way, West End Hotel
Maiduguri 
Nigeria
Tel.: 07038079744

Onitsha
99 Upper New Market
Onitsha 
Nigeria
Tel.: 08023234554

Owerri
130 Wetheral Road
Owerri 
Nigeria
Tel.: 08022832333

Port Harcourt
70 Evo Road
GRA Phase II
Port Harcourt 
Nigeria
Tel.: 08180990968

Sokoto
6A Abdulahi Fodio Road
Sokoto 
Nigeria
Tel.: 08161650242

Uyo
45 Oron Road
Uyo 
Nigeria
Tel.: 08123245694

Warri
2, Effurun-Sapele Road
Effurun
Warri 
Nigeria
Tel.: 07046174119

Yola
51 Mohammed Mustapha Way
Jimeta
Yola 
Nigeria
Tel.: 07068238076

Fedex/Redstar
1
Name : ADEOLA ODEKU
Address : BELANOVA 55A ADEOLA ODEKU STREET, VICTORIA ISLAND
State : LAGOS
Contact Person :
Phone Number :
Email :
2
LAGOS ISLAND
Name : AWOLOWO RD
Address : 138, AWOLOWO ROAD IKOYI LAGOS
State : LAGOS
Contact Person :
Phone Number :
Email :
3
LAGOS ISLAND
Name : BROAD STREET
Address : GIVE AND TAKE SHOP, BROAD STREET LAGOS
State : LAGOS
Contact Person :
Phone Number :
Email :
4
LAGOS ISLAND
Name : CLOCK WORK
Address : 2ND FLOOR SOUTH PAVILLON, BESIDE NATIONAL ASSEMBLY
State : LAGOS
Contact Person :
Phone Number : 08055805046
Email :
5
LAGOS ISLAND
Name : CYNERGY
Address : SUITE E149,ROAD 1, OPPOSITE FIDELITY, IKOTA SHOPPI
State : LAGOS
Contact Person :
Phone Number : 08069157049
Email :
6
LAGOS ISLAND
Name : DEFUNTOKS
Address : PLOT 300,ADMIRALTY WAY, LEKKI PHASE 1, LEKKI LAGOS
State : LAGOS
Contact Person :
Phone Number : 08023150155, 08056093075
Email :
7
LAGOS ISLAND
Name : G.IKE
Address : 199, IGBOSERE ROAD, GROUND FLOOR RASAKI PLACE OPPO
State : LAGOS
Contact Person :
Phone Number : 08179006628, 07026861191
Email :
8
LAGOS ISLAND
Name : GEETEE
Address : SUITE 107 DOLPHIN ESTATE, IKOYI
State : LAGOS
Contact Person :
Phone Number : 07026861191, 08068580316
Email :
9
LAGOS ISLAND
Name : HUSBRA
Address : 1ST FLOOR, SUITE 7, IYABUS PLAZA ADO RD., AJAH
State : LAGOS
Contact Person :
Phone Number : 08183838959
Email :
10
LAGOS ISLAND
Name : IDOWU TAYLOR
Address : 5, IDOWU TAYLOR STREET VICTORIA ISLAND LAGOS
State : LAGOS
Contact Person :
Phone Number :
Email :
11
LAGOS ISLAND
Name : KAKAWA
Address : 27, KAKAWA STREET BEHIND CMS BOOKSHOP LAGOS
State : LAGOS
Contact Person :
Phone Number :
Email :
12
LAGOS ISLAND
Name : KEFFI STREET
Address : 15 KEFFI STREET OFF AWOLOWO RD IKOYI LAGOS
State : LAGOS
Contact Person :
Phone Number :
Email :
13
LAGOS ISLAND
Name : LALUPON
Address : 2B, LALUPON CLOSE, OFF KEFFI , IKOYI LAGOS
State : LAGOS
Contact Person :
Phone Number : 07031763878
Email :
14
LAGOS ISLAND
Name : OMAZONT TBS
Address : SUITE 13, TAFAWA BALEWA SQUARE COMPLEX LAGOS
State : LAGOS
Contact Person :
Phone Number : 08032925096
Email :
15
LAGOS MAINLAND
Name : Zatim Global Services LTD
Address : Block 1, Suite 11, Odua Shopping Plaza Ojota, Lago
State : LAGOS
Contact Person :
Phone Number : 08023233034 , 08033849783
Email :
16
MAINLAND LOS
Name : ILUPEJU
Address : 34/36 ASSOCIATION AVENUE, ILUPEJU OPP. TOTAL FILLING STATION 
State : LAGOS
Contact Person :
Phone Number :
Email :
17
MAINLAND LOS
Name : ALABA
Address : 156 OLOJO DRIVE,ALABA INT’L MKT. OJO ALABA
State : LAGOS
Contact Person :
Phone Number : 08022447174
Email :
18
MAINLAND LOS
Name : ALLEN
Address : 30 ALLEN AVENUE, IKEJA
State : LAGOS
Contact Person :
Phone Number : 07031763011
Email :
19
MAINLAND LOS
Name : ALPHA TUNAD-EDU CONSUL
Address : 123/125 IDIMURD. EGBEDA
State : LAGOS
Contact Person :
Phone Number : 08120805146
Email :
20
MAINLAND LOS
Name : ANASONS AGENCY
Address : 4 ST. FINBARRS COLLEGE ROAD, AKOKA YABA LAGOS
State : LAGOS
Contact Person :
Phone Number : 08060026880, 0909889890
Email :
21
MAINLAND LOS
Name : DABIRI OSOLO WAY AGENCY
Address : 2B RASOM STREET,  ISOLO, LAGOS
State : LAGOS
Contact Person :
Phone Number : 08160049921
Email :
22
MAINLAND LOS
Name : DIRECTLINK GLOBAL
Address : 58 KUDIRAT ABIOLA WAY OREGUN, IKEJA LAGOS
State : LAGOS
Contact Person :
Phone Number : 08183126236
Email :
23
MAINLAND LOS
Name : ELEGANZA CENTER
Address : NO 1 COMMERCIAL ROAD, APAPA,
State : LAGOS
Contact Person :
Phone Number :
Email :
24
MAINLAND LOS
Name : ESTHER
Address : 284 HERBERT MACAULAY WAY,SABO YABA.
State : LAGOS
Contact Person :
Phone Number : 08034311397
Email :
25
MAINLAND LOS
Name : EWU RD
Address : 40/42 OLD EWU ROAD.AVIATION ESTATE MAFOLUKU
State : LAGOS
Contact Person :
Phone Number :
Email :
26
MAINLAND LOS
Name : FIRST NEW GENERATION
Address : 40  ODUDUWA WAY GRA IKEJA
State : LAGOS
Contact Person :
Phone Number : 08034462120
Email :
27
MAINLAND LOS
Name : FUNCTIONAL
Address : 216 IKORODU RD.(OLABODE HOUSE)
State : LAGOS
Contact Person :
Phone Number : 08086287095
Email :
28
MAINLAND LOS
Name : GAB - OLADAPO
Address : 250 IKORODU LAGOS ROAD, IKORODU LAGOS
State : LAGOS
Contact Person :
Phone Number : 08166612259
Email :
29
MAINLAND LOS
Name : GREVACOL
Address : 13 EMMANUEL STR. MARYLAND
State : LAGOS
Contact Person :
Phone Number : 08080767636
Email :
30
MAINLAND LOS
Name : HEAD OFFICE
Address : NO 70 INTERNATIONAL AIRPORT RD.
State : LAGOS
Contact Person :
Phone Number :
Email :
31
MAINLAND LOS
Name : KOLAWOLE
Address : 5A SIMBIAT ABIOLA ROAD. IKEJA
State : LAGOS
Contact Person :
Phone Number : 08028968560
Email :
32
MAINLAND LOS
Name : LUCKY STAR
Address : 93 OJUELEGBA ROAD
State : LAGOS
Contact Person :
Phone Number : 08033046896
Email :
33
MAINLAND LOS
Name : MAGOSOHO
Address : 98, OGUNNUSI ROAD, OJODU BERGER BESIDE GRAMMAR SCH
State : LAGOS
Contact Person :
Phone Number :
Email :
34
MAINLAND LOS
Name : NEXT EQUIPMENT
Address : NO.6 LANRE AWOLOKUN STR.GBAGADA
State : LAGOS
Contact Person :
Phone Number : 08191900689
Email :
35
MAINLAND LOS
Name : OBA AKRAN AGENCY
Address : 40 OBA AKRAN AVENUE, IKEJA.
State : LAGOS
Contact Person :
Phone Number : 08131250399
Email :
36
MAINLAND LOS
Name : OPEBI AGENCY
Address : N0 74 OPEBI ROAD, IKEJA
State : LAGOS
Contact Person :
Phone Number : 08033321856
Email :
37
MAINLAND LOS
Name : OPEBIZ
Address : SUITE C3, OPP.IST BANK PLC,FAGBA AGEGE
State : LAGOS
Contact Person :
Phone Number :
Email :
38
MAINLAND LOS
Name : OTA CENTER
Address : SHOP 28 OBANIBASHIRI COMPLEX OTA.
State : LAGOS
Contact Person :
Phone Number :
Email :
39
MAINLAND LOS
Name : RAK
Address : SHOP 272 OGBA RETAIL MARKET,OGBA
State : LAGOS
Contact Person :
Phone Number : 08023082977
Email :
40
MAINLAND LOS
Name : SPETT CONSULT
Address : ANUPA-LASU COOPERATIVE MULTIPURPOSE SOCIETY LIMITE
State : LAGOS
Contact Person :
Phone Number : 08066941380
Email :
41
MAINLAND LOS
Name : SURULERE EXP.CENTER
Address : NO 2 ADENIRAN OGUNSANYA STREET, SURULERE
State : LAGOS
Contact Person :
Phone Number :
Email :
42
MAINLAND LOS
Name : THINK VENTURES
Address : 5TH AVE.OPP,NITEL FESTAC
State : LAGOS
Contact Person :
Phone Number : 08034228272
Email :
43
MAINLAND LOS
Name : TIMEBASE
Address : SUITE 51 GALAXY SHOPPING COMPLEX AGBARA
State : LAGOS
Contact Person :
Phone Number : 08033192127
Email :
44
MAINLAND LOS
Name : TOYIN STR.
Address : 50/52 TOYIN SREET, IKEJA
State : LAGOS
Contact Person :
Phone Number :
Email :
45
SOUTH EAST
Name : AGBOR
Address : OGBOI VENTURES LAGOS/ASABA ROAD NEAR OLD UNION BAN
State : DELTA
Contact Person :
Phone Number : 08037787073
Email :
46
SOUTH EAST
Name : OGOJA
Address : NO 1, LAGOS STREET, IGOLI, OGOJA (CROSS RIVERS STA
State : EBONYI
Contact Person :
Phone Number : 08034776094
Email :
47
SOUTH EAST
Name : AGENCY
Address : NO 158 USELU-LAGOS ROAD NEAR WESCO LOTTO BIULDING
State : EDO
Contact Person :
Phone Number : 08072730032
Email :
48
SOUTH WEST
Name : REDEEM CAMP
Address : CRM BESIDE ACCESS BANK, RCCG REDEMPTION CAMP LAGOS
State : OGUN
Contact Person :
Phone Number : 08063264055, 07069677587
Email :
1
Name : ZONE 3 EXPRESS CENTRE
Address : PLOT 574 SULTAN ABUBAKAR WAY,TETRAZZINI BUILDING,W
State : ABUJA
Contact Person :
Phone Number : 08055413699
Email :
2
Name : WUSE ZONE 3
Address : No 3, Conakry Street, Wuse Zone 3,
State : close to Nigeria Custom's Head Office Abuja
Contact Person :
Phone Number : 07031763841
Email :
3
Name : ABUJA LOGISTICS/ RSE OPERATIONS
Address : Plot 735, Namadi Sambo Road, Idu Industrial Estate
State : F.C.T. ABUJA
Contact Person :
Phone Number : 07031763851, 07031763822
Email :
4
ABUJA
Name : AREA 11
Address : Plot 822, Tafawa Balewa Rd, off Emeka Anyaokwu Str
State : ABUJA
Contact Person :
Phone Number : 08168864058 , 09038030160
Email :
5
ABUJA
Name : MAITAMA AGENCY
Address : NO 38 GANA STREET, MAITAMA, ABUJA
State : ABUJA
Contact Person :
Phone Number : 07031763848
Email :
6
ABUJA
Name : WUSE 2 (II)
Address : SUITE AFF 10, K-CITY PLAZA, AMINU KANO CRESCENT II
State : ABUJA
Contact Person :
Phone Number : 07031763848
Email :
7
ABUJA AGENCY
Name : WUSE 2 (I)
Address : PLOT 59,ADEMOLA ADETOKUNBO CRESCENT, OPP. AMIGO SU
State : ABUJA
Contact Person :
Phone Number : 07031763848
Email :
1
Name : BLESSED PRINTED
Address : 95, AGGREY ROAD PORT HACOURT
State : RIVERS
Contact Person :
Phone Number : 08064317147
Email :
2
Name : PORT-HACOURT
Address : PLOT 192, STADIUM ROAD , PORT-HACOURT
State : RIVERS
Contact Person :
Phone Number : 07031763786
Email :
3
PORT-HACOURT
Name : CALABAR OFFICE
Address : 53, NDIDEM USANG ISO ROAD CALABAR
State : CROSS RIVERS
Contact Person :
Phone Number : 07031763812
Email :
4
PORT-HACOURT
Name :
Address : 169, ABA ROAD WATERLINES , PORT HACOURT
State : RIVERS
Contact Person :
Phone Number :
Email :
5
PORT-HACOURT
Name :
Address : 54D, TRANS AMADI, NKPOGU PORT -HACOURT
State : RIVERS
Contact Person :
Phone Number :
Email :
6
PORT-HACOURT
Name : ABLE TECHNOLOGIES
Address : LAAS GROUP HOUSE , 206 ABA ROAD
State : RIVERS
Contact Person :
Phone Number : 08023211259
Email :
7
PORT-HACOURT
Name : BONNY
Address : 49, HOSPITAL ROAD, BONNY ISLAND
State : RIVERS
Contact Person :
Phone Number : 08064238919
Email :
8
PORT-HACOURT
Name : EL-SHADDAI BUSINESS CENTER
Address : 3 AZIKIWE ROAD (UNITY BANK BUILDING ) PORT-HARCOUR
State : RIVERS
Contact Person :
Phone Number : 07037142280
Email :
9
PORT-HACOURT
Name : FEDERAL SECRETARIAT
Address : ABA ROAD (OPPOSITE PRESIDENTAL HOTEL)PORT-HARCOURT
State : RIVERS
Contact Person :
Phone Number : 08096739800
Email :
10
PORT-HACOURT
Name : HANDY PLACE
Address : 33, ELELENWO ROAD GRA PHASE 2, PORT-HACOURT
State : RIVERS
Contact Person :
Phone Number : 08065877975
Email :
11
PORT-HACOURT
Name : INTERGRATED BUSINESS SOLUTION CENTER
Address : 28, LOCATION ROAD, ADJACENT ZENITH BANK, OYIGBO RI
State : RIVERS
Contact Person :
Phone Number :
Email :
12
PORT-HACOURT
Name : JOGREY VENTURES LTD
Address : KM 5 EAST WEST ROAD RUMUODARA PORT-HARCOURT
State : RIVERS
Contact Person :
Phone Number : 08033131189
Email :
13
PORT-HACOURT
Name : JOSEPH EGBEREJO
Address : ONNE MARKET B/4 MR BIGGS, ALONG ONNE ROAD
State : RIVERS
Contact Person :
Phone Number : 08052225034
Email :
14
PORT-HACOURT
Name : NETWAYS CYBERCAFE
Address : 29, OHAETO STREET, D/LINE PORT-HARCOURT
State : RIVERS
Contact Person :
Phone Number : 07032227556
Email :
15
PORT-HACOURT
Name : RADO STANDARD STONES
Address : 47, IKWERRE ROAD, MILE ONE, PORT- HACOURT
State : RIVERS
Contact Person :
Phone Number : 08037239289
Email :
16
SOUTH EAST
Name : OGOJA
Address : NO 1, LAGOS STREET, IGOLI, OGOJA (CROSS RIVERS STA
State : EBONYI
Contact Person :
Phone Number : 08034776094
Email :
1
SOUTH EAST
Name : ANMA OFFICE
Address : CHIAMAKA PLAZA AROMA JUNCTION ONITSHA- ENUGU EXP.
State : ANAMBRA
Contact Person :
Phone Number :
Email :
2
SOUTH EAST
Name : ENUGU
Address : 77, OGUI ROAD, ENUGU
State : ENUGU
Contact Person :
Phone Number : 07031763815
Email :
3
SOUTH EAST
Name : NSUKKA
Address : 26, UNIVERSITY ROAD, NSUKKA
State : ENUGU
Contact Person :
Phone Number : 08068073819
Email :

TRANEX
HEAD OFFICE
28, Oshodi/Apapa Expressway,
Oshodi, Lagos
+2349095270137,+2348025697917,
08123682573
e-mail: tranex@tranex-ng.com
website: www.tranex-ng.com
AIRPORT ROAD ANNEX
2 Stella Shonaike Street,
By Airport Road, Ajao Estate,
Lagos.

Other branches in Lagos

NIM building
Plot 22, Idowu Taylor Street
Victoria Island, Lagos.
CONNION GLOBAL VENTURE
110, Awolowo Road, Ikoyi, Lagos

Noss Stores
25 Warehouse Road,
Apapa – Lagos.

17/19 Broad Street,
Lagos Island.

No 51 Anambra Plaza,
Balogun Int’l Market,
Trade Fair, Lagos.

Computer Village,
12 Simbiat Abiola Way,
Ikeja, Lagos.

ALLEN
Allen Avenue, Ikeja
Lagos.

OGBA
SpooTom Link Services,
3A, Ijaiye road, Aguda, Ogba,
Lagos.

EKITI STATE
Shop A1 Ayo Fayose
Shopping Complex
Ajilosun, Ikere Road,
Ado-Ekiti

KWARA STATE
159 Ibrahim Taiwo Road
Owoni Boy’s Building, Ilorin

ONDO STATE
93 Oyemekun Road
Akure, Ondo State

OGUN STATE
Shop 38 Obanibasiri Shopping
Centre, Sango Otta.

ABEOKUTA OFFICE
No. 16A, Lalubi Street,
Beside Glo Office,
Oke – Ilewo,
Abeokuta.

OSUN STATE
Moniade Nifaji Mail
Off Fakunle Comprehensive
High School
Gbongan Road, Oshogbo

OYO STATE
43 Ring Road, Sodehinde Area,
Roundabout, Ibadan.

ABIA STATE
No 13 Factory Road, Aba

No 4 Aba Road, Opp. Azikiwe Road, Umuahia

AKWA IBOM STATE
42 Wellington Bassey way,
Uyo

EKET
No 42, Grace Bill Road, Eket

ANAMBRA STATE
25 New Market Road
Onitsha

CROSS RIVER STATE
30/32, Ndidem Usang Road,
Calabar

DELTA STATE
46, Effurun/Sapele Road
By Starcomms Office,Opposite
First Bank, Near Enerhen Junction, Warri

12 Dennis Osadebe Road,
Asaba.

EDO STATE
No 56 Airport Road, Benin City

ENUGU STATE
No 91 Ogui Road
Enugu

IMO STATE
63 Wetheral Road, Adjacent FCMB , OwerriRIVERS STATE
No 50 Mbonu Street, D/Line
Port Harcourt
ABUJA FCT
Suite D4,
Jima Plaza
Ahmadu Bello Way,
Opp. IBTC Bank,
Area 11, Garki, Abuja.

ADAMAWA STATE
Sabru Nig Ltd.
No 30, Atiku Abubakar Road
Jimeta Yola

BAUCHI STATE
No. 10, Jos Road
Opposite FRSC, Gidan Mai
Bauchi

BENUE STATE
No 9, Vandeika Street, High
Level, Makurdi

BORNO STATE
No 270 Sir Kashim Ibrahim Rd
Maiduguri

GOMBE STATE
Beside NNPC MEGA Filling Station
Biu Road,
Gombe.

KATSINA
No. 110 Sokoto Road,
Off IBB Way
Katsina

KADUNA STATE
NNIL Building
4, Mohammed Buhari Road,
Kaduna.

KOGI STATE
No. 3 Ali Close,
Off Police Headquarters
Lokoja.

KEBBI STATE
Opposite FineArt, Bello Way,
Birnin Kebbi

NASSARAWA
32, Abuja Street, Opposite Office Of The Accountant General Of The Federation,
Lafia.

NIGER STATE
No. 39A Kendo Shopping Complex,
By Busso Road,
Via Yoruba Road,
Minna,
Niger State

KANO STATE
No 26B, Post Office Road, by Heritage Bank, Kano

TARABA STATE
Opposite Redeem People Mission (RPM)
Maigana, Jalingo,  Taraba State.

YOBE STATE
Biu Road,
Opposite CID Police Station
Damaturu, Yobe State.

PLATEAU STATE
No 26 Rwan Pam Street, Jos

SOKOTO STATE
No 5. Ahmadu Bello Way, Sokoto.
On Top of MOGNGER, Opposite ZAIZ
Bank, Sokoto.

ZAMFARA
JJC Building, Opposite AP Filling Station, Zaria Road, Gusau,
Zamfara State.



Aramex 
283 Ajose Adeogun Street,
Victoria Island,
Lagos
01 700 0800

140 Awolowo Rd, Falomo, 
Ikoyi, 
Lagos

Phone: 01 700 0800