The process of getting a job in Nigeria has become extremely difficult, as lots of firms are either downsizing or folding up due to high overhead cost or the harsh economic situation in the country today. Passing through the rigor of graduating from the university and stepping up the hunt for job can be physically and emotionally draining. To make matters worse, some job seekers unconsciously reduce their chances of been selected when they are called for job interview due to some rather silly mistakes they do before, during and after the interview process.

Coming late for an interview

I’ve seen numerous cases of applicants rushing into the interview hall after the interview process had commence. Apart from sending a wrong signal, you are already disqualifying yourself from a job you have not yet been given. It’s a grievous error to come late for a job interview, because first impression matters a lot, and in this case you are sending a clear message that you are poor in time management.

This can be avoided by waking up on time and moving to the venue of the interview via any means of transportation, rather than waiting an hour before the time. Early preparation can curb emergencies which may arise.

Putting on a Native attire

It’s a job interview, not a traditional wedding ceremony. Dress smart and neat, rather than dressing like a traditional ruler going for a coronation ceremony. The standard dressing code for job interview usually entails a trouser, shirt (long or short sleeve), tie and suit (optional). Your dressing usually conveys a strong message to the interview panel.

Chewing gum or finger nails

During the interview process, some guys and even ladies can get tensed up. To eliminate the stress, they either chew bubble gum or the chew their nails. It’s totally unethical to do both. It’s a sign of anxiety and the panelist hate to see an anxious potential employee. Deploy other stress elimination techniques like taking a deep breath before answering a question and also controlling your thought pattern.

Eating foods that can make you uncomfortable before or during interview

Once heard about a guy who ate beans cake and bread before attending a job interview in Lagos. The interview was going on fine, until he suddenly farted without notice. That brought an abrupt end to the interview process as the interview panel had to adjoin sitting to take some fresh air. The poor guy never returned to hear the outcome of the interview. Its always advisable to avoid eating heavy meals, especially those that aren’t easily digestible. Don’t ever reduce your chances of passing a job interview because of your love for food.

Responding to a question with a question

Some applicants can be so bold while answering questions during a job interview. They can respond to a question thrown at them, by asking the interviewer a corresponding question. It’s a rather awkward approach and most be avoided by all means. Be polite even if the question isn’t too straight forward for your liking. No need getting into the same shoes with your interviewer. They may assume you are the troublesome type and may decide against recruiting you even if your interview score is superb.

Altering your basic information

I’ve seen individuals who were unable to say their date of birth. It was rather embarrassing to see an individual trying to remember when he was born. Proper investigation later showed that the guy altered his date of birth to accommodate the job he was applying for. It’s a grievous offence which must be avoided like plague. Some go to the extent of altering their names as well.

Forging certificates and credentials

This is one of the most common offences most job applicants are fond of committing. They can go to any length to get a job, even if it means using the certificate and credentials of a relative or friend. Some go to the extent of going to business centre, where fresh certificates can be designed and printed within a jiffy. The implication of these errors is that nemesis may eventually catch up with offenders and that precious job will be no more. It is better for one to patiently wait for the right time and use what he/she has rather than forging materials to get what you don’t deserve.


It’s a new day, and a brand new year with loads of opportunity to achieve our numerous goals that were not possible last year. Most often we get carried away by failure and the desire to strive towards success becomes extremely tiresome. No doubt it may be an unpleasant experience trying to pursue a particular goal and dreams and end up not been able to achieve what seemed perfectly achievable. That has been my story.

Last year was tough, bumpy and exciting at the same time. It was always fast pace, as one was looking forward to so many things at the same time. Few of the expectations were met and lots were unmet. It was indeed devastating ending up not getting fulfilled and not making the mark one had set earlier. From the depth of deep despair I have learnt so many things and some have proved very helpful.

I realized that every day is an opportunity to start afresh, no matter how yesterday ended up. Am totally fired up for all the challenge this year has in stock and my positivity level has increased a notch higher. It may not be easy, but I know nothing good comes easy, so am prepared for anything that is thrown across ones way.

When a door of opportunity closes, several doors of opportunities will suddenly open as long as we choose not to look back. A new dawn can only be activated when we close the old chapters of our past and open the new chapters of our future. The future indeed is bright and lovely, so why lament about our past failures when there a huge window of opportunity to succeed beyond measure?

A close friend of mine got fired at work last year November. And she was brave enough not to allow the sack affect her positive way of life. She was a single mother and there were bills to be paid and she knew she had to stay strong. When she got home, she dusted her books and her credentials and updated her CV. She told her kids she was on vacation and indeed she enjoyed the precious moments she spent with them at home. As soon as she had tidied up herself, she uploaded her CV to several job recruitment boards and not long after, she got the breakthrough she craved for last week. It was a new dawn of opportunity for her.

Her amazing story stirred up a renewed hope in me and made me realize that it is not over until we win. Just like in a football match, it is not over until the extra time is over. As a Manchester City fan, I will never forget our match against QPR. Manchester United had beaten Sunderland 1-0 and were almost running away with the title when Sergio Aguero with the last kick of the ball scored the decisive winner to make it 3-2 in favor of City. The 44 years wait was over. A new dawn had just broken and the entire stadium erupted in joy as history was made that glorious 13th day of May 2012.

My wonderful friends, it’s the beginning of the year and am confident of one thing. This year will bring in more joy than what we ever experienced last year. Our shattered dreams can still be fixed and we definitely will get to our destination with so much excitement we never imagined.


The basics of setting a goal is an open secret known by top-caliber athletes, successful businessmen and businesswomen and all types of achievers in all the different fields. The basics of setting goals give you short-term and long-term motivation and focus. They help you set focus on the acquisition of required knowledge and help you to plan and organize your resources and your time so that you can get the best out of your life.


Setting clearly defined short term, medium term and long term goals will enable you to measure your progress and achieve personal satisfaction once you have successfully met your goals. Charting your progress will also enable you to actually see the stages of completion leading to the actual realization of your goals. This eliminates the feeling of a long and pointless grind towards achieving your goal. Your self-confidence and level of competence will also improve as you will be more aware of your capabilities as you complete or achieve your goals.


The basics of goal settings will involve deciding what you really want to do with your personal life and what short term and long term goals you need to achieve it. Then you have to break down goals into the smaller and manageable targets that you must complete in your way to achieving your lifetime targets. Once you have your list waste no time in tackling your goals. A good way to have a manageable list is to have a daily and weekly set of goals. By doing this you will be always in the position of going towards you life plan goals. Everyday will give you the opportunity to fulfill a certain goal giving you the feeling of accomplishment.


Here are some pointers that should be taken into consideration in setting goals and achieving them.

Attitude plays a very big role in setting and achieving your goals. You must ask yourself  if any part of you or your mind holding you back towards completing your simplest goals? If there are any part of your behavior that is acting as an hindrance to you achieving your set goals? If you do have problems in these areas then the immediate thing to do is to address this problem. Solutions may include seeing a trained consultant who will help to chart a new course for you to achieve your desired goals in life.


Careers are made by good time management practice. Failing in a career is often attributed to bad time management. Careers require a lot from an individual which often makes the career the life of the individual. Planning how to achieve a long term success in your career, is part of the overall goal you may put into consideration. Education is key in achieving your goals. If your goals require you to have a certain kind of degree or require a certain specialization or demand a certain skill to be developed, make plans in getting the appropriate education.


Your family should never be left out of your plans. If you are just starting out then you have to decide if you want to be a parent or when you want to be a parent. You also have to know if you really would be a good parent and how well would you relate to extended family members. Personal financial situations also play a major role in achieving your goals. Have a realistic goal on how much you really want to earn. You also must be able to create plans or stages by which you will be able to reach your earning potential.


Physically gifted individuals may be able to achieve sports related goals like being in the National Basketball association or English premier League as the case may be. Determining your physical capabilities should be one of your priorities. Physical limitations could however be conquered with proper planning.


As the saying goes -‘All work and no play makes Jack a dull boy’, or something to that effect, is by all means true down to the last letter. Always create time out of your busy schedule to give yourself a treat in order to avoid getting burnt out. To start achieving your lifetime goals, set a 20 years plan, then break it down to 5 year plans then break it down again to 1 year plans, then 6 month plans then monthly plans, then weekly, then daily. Then create a things-to-do list for the day. Always review your plans and prepare for contingencies. The basics of goal settings should not be so difficult once you get to be familiar with them.

There are several sources for funding your small or medium scale business, but one of the most often used sources for financing your dream project or business is via bank loan. It’s a tricky process as many entrepreneurs have had their applications turned down for one reason or the other. It is therefore important that we understand the rudiment and background behind bank loans and how we can greatly increase our application success.

Package your Application very well

This is one of the reasons why more than 40% of bank loan applications are rejected. Some of the applications come with incomplete documentations. Be sure your business is well conceived and that you have carried due diligence before approaching your banker

Ensure your business idea falls within the bank priority list

Every commercial bank usually have priority list of business or project they allocate loan facilities. You can obtain this important information from the bank before initiating your loan process. As a clue, most commercial banks are favorably disposed to individuals who apply for loan facility to help set up Agriculture and Allied business.

Be 100% sure of your business idea

It is absolutely important that you understand the fundamentals of your business idea. This is usually included in your business plan. Most banks usually ask series of questions on your business plan. You must be ready to defend every loan facility you are requesting for.

Dress decently when visiting the bank

Your dressing during bank visitation must be absolutely on point, because the bank won’t want to risk their funds on someone who appears so shabby and unkempt. Be well dressed and well groomed. Your confidence level must be high in appearance, speech and body language. It must however be noted that your dressing alone cannot secure you a loan facility. Putting on a nice suit without a solid business plan may not translate to your loan application receiving a positive response.

Start from top down

To increase your success rate, it is important that you start your loan process by going first to the bank Manager. Most times, lower cadre officers can frustrate the process. When lower officers understand that the bank Manager is already aware of the application, such stumbling blocks are removed.

Insist on knowing the requirement and get it printed out

I once had a colleague of mine who applied for a loan in a popular commercial bank without understanding the conditions attached. He ended up paying huge interest rates via hidden charges. Ensure that the bank charges and interest rate is well spelt out. Negotiate for the least interest rate possible.

Submit application early enough

Most banks usually encourage loan applications at the beginning of the year. Submission is usually not successfully processed during the fourth quarter of the year as the bank financial year is already rounding up.

Complete all documents diligently without lying

To enable your application move faster, it is usually important to complete each loan documents in a professional way and attach relevant requirements for initial processing of the loan application.

Use a bank that you already operating an account with

Using a commercial bank that you’ve already been operating an account with will help boost your chances of securing a loan facility, especially if it’s a current account and your present employer are will to endorse the loan application. It’s a lot easier compared to approaching a bank where you have no previous relationship.

In summary, every loan applicant must understand that bank requirements differ from bank to bank. The type of loan you applying for, could also alter the bank condition and requirements. You have a choice between short term, medium term or long term loan.  After the bank loan is finally approved, it is wise you read the terms and condition thoroughly before appending your signature to the form.