Investment Conversations

What You Need To Know About Your Credit Score

What You Need To Know About Your Credit Score

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Earlier this year, I sought pre-approval for a mortgage only to find that I was not eligible for the lowest interest rates. I later found out the reason I was ineligible was because of my credit score. When I tell you, I was shocked! This made me check my credit rating for the first time; so I ordered my credit report (for free, nonetheless). I found that my credit rating was not excellent, or even good, but a “fair” rating…FAIR! I noticed there were some errors on the report, and that an unpaid phone bill had been sent to collections (I blame it on my study abroad year in my third year of university when I literally had no cares in the world!). So this year, I embarked on a journey to fix my credit score and my credit rating has improved by almost 50 points, to a good rating!…

Winning At Networking

Winning At Networking

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  You can drastically change the quality of your life – especially your ability to accumulate wealth by networking effectively and taking advantage of the opportunities presented to you! Your network is truly your net worth. Sounds cliché but it’s true. The first few job offers I received after I graduated from university, came from networking with people at conferences, and emailing strangers that were successful in the industry I wanted to be in (for me that was accounting and finance). Winning at networking means finding a way to leverage your network to create opportunities for yourself! People network for different reasons: to get a job, a business contract, a business partner, an investor, or just to meet a new friend. As long as you are able to leverage your network, the opportunities are endless! However, networking can be quite daunting for a lot of people. I know this too well, because…

3 Money Lessons From Jay Z’s 4:44 Album

3 Money Lessons From Jay Z’s 4:44 Album

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  I finally listened to Jay Z’s new album 4:44. If you don’t have a TIDAL subscription that’s too bad, I hope, like me, you have friends with TIDAL accounts 😉 I kept bumping to the album for a week straight, I mean, it’s Jay-Z – it’s expected. On the second listen of the album, specifically the song “The Story of O.J” (which is my absolute favorite song on the album, btw) I realized that there were so many money and investing gems that I hadn’t learned and I want to share them with you. I hope you’ll find that Jay-Z wasn’t playing when he said: “I’m trying to give you a million dollars worth of game for $9.99” 😉 1. The value of long-term investing: “I bought some artwork for 1 million, 2 years later that sh*t worth 2 million. Few years later, that sh*t worth 8 million” Jay…

Lessons Learned From A Mentor: Michelle Obama

Lessons Learned From A Mentor: Michelle Obama

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If you know me personally you know that I really believe in having mentors. However, I don’t believe your mentor has to be someone you know. Hell, your mentor doesn’t even have to be alive (most of my favorite mentors I’ve learned the most from are dead). These are called distant mentors. Michelle Obama is one of my distant mentors. I learned so much from her when she was FLOTUS. As a black woman, having a woman like that in power made me think I could be more. It made me upgrade my dreams: I realized I was dreaming too small and aiming too low. She inspired me to DREAM. I cannot wait till she has an autobiography (I’ll also settle for a biography 😒). Here are some of the notable things I’ve learned from her so far: 1. On Empowering Oneself: You just empower yourself with education and not just formal…

Lessons Learned from She Leads Africa #SheHiveToronto Boot Camp (Part 1)

Lessons Learned from She Leads Africa #SheHiveToronto Boot Camp (Part 1)

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  This weekend (July 15-16th, 2017) I had the pleasure of attending the She Leads Africa #SheHiveToronto boot camp. It was such a humbling experience being in a room filled with inspiring women (fondly called #MotherlandGurus) who came to connect, learn from one another and find out ways they can make an impact in their societies. Some of the amazing speakers whom I had the pleasure of learning from include: Njeri Rionge, one of Forbes Africa’s Most Successful Women & founder of Wanachi Online Patricia Bebia Mawa, President, Editorial Director & TV Host at Silvertrust Media & Planet Africa Group Dr. Olutoyin Oyelade, Founding Partner at InVcap & President of CASA Foundation In this article, I will share what I learned from Mrs. Patricia Bebia Mawa’s talk. She shared 5 Ps from her upcoming book The 10 Ps: The 10 Powerful Secrets of Successful People (which I cannot wait to get my hands…