Straight Talk, No Pretense by Abasiodiong Ekarika (best finance books of all time TXT) 📖

be able to say no to other men/women who may seek your attention. It doesn’t matter whether there are more experienced or wealthier than your partner.

If you are unable to say no or you do say no but men/women still come to you then guard your communication, avoid suggesting that you are available through your words or conduct. As a man don’t make statements like “I want a fleshy girl to ask you to massage her laps in front of your friends and she will do same “, “I’m dreaming of having sex with you under the rain “and as a woman don’t make statements like “someone should come and romance me”. It’s insane.

Watch your communication. Don’t use the love emoji when it’s not necessary, don’t use the missing you emoji for no just reason, don’t use the can we have a family emoji. If you do these you are only deceiving yourself, you are not ready to be committed. If someone tells you to send nudes don’t send it. Sending it is stupidity, you may think it does not change your virginity status, it does worse and it breeds sin. A man/woman who tells you that refusing to send them displays shows that you don’t love him/her is only lying to you. He/she may threaten to blackmail you or block you, tell him/her to go ahead because whether you send the nudes or you do not send it such relationship is bound to fail woefully and it will not take long for it to be evident.

Cut down the time you spend chatting with others, tell him/her you are busy and they will stop disturbing you. A man/woman you chat with twenty four hours on WhatsApp will believe you have time for him/her and that is true. He/she will expect you to abandon every other thing and give him/her full attention.

Don’t think of them. Your waking moments should not be filled with the thoughts and images of a man/woman you are not committed to, be bold to shut off every other things that does not promote your relationship, be able to control your mind not to imagine how would be more favorable with him/her than your partner.

Tell them off by saying you need time for yourself or you need a break and you do not consider them a problem but it will be wise if they keep their distance. Let it be known to all that you don’t need distractions, you are focusing on what life is offering you and building for the future.

Reject gifting’s that is uncalled for. If a man/woman send you gifts for no justified reason, reject it, it’s a lure. A man/woman who gifts another constantly has an interest in her/him and by accepting the gift you consent to whatever he/she wants to do. A gift without no reason is a trap. Be able to discern and run away from anything that will buy your soul.

Watch your conduct, let your conduct speak for you loudly. Respect persons and still be able to maintain a distance. Don’t stir up love, don’t act like you have an intimate relationship with someone when you don’t.

At all times, let your action be honorable. If you are a woman, posting and shooting a twerk video with ten men inside a room is invitation for unwarranted sexual advances. If you are a man and you delight in going around talking about the length and size of your phallus you are insensible. Don’t act like a rogue and expect to be treated like a king, don’t act like a sex deprived person and expect to be treated as a normal person, don’t be suggesting sex and cry out when you are cornered and raped. Don’t be the originator of your own problem.

Using words let it be known what you are striving for, be able to tell your friend that you’ll not be able to relate with him/her as before. If your best friend is someone who just warms your bed and you wish to end such clandestine relationship, tell him/her straight up. Don’t believe your actions will show you are not interested. Speak it and act it.

If you refuse to be friends with someone for a justified reason let it be known to them. Don’t ghost them, don’t keep them in the background, communicate effectively and excellently.

Communicate effectively, be bold in what you are saying and stand by it. Silence is not implied consent and can never be but ignorance will always be bliss. You’ve learnt, you know what to do, don’t pretend, don’t expect someone to help you to be mature help yourself or else the consequence you will be destructive and it will not take too long before it occurs.

Be conscious that you are moving into a relationship and not a house. Don’t come with all your baggage, have a new heart. If you are in a relationship act like it, don’t tell lies. You are either in a relationship or you are not. You cannot be in a relationship and not in a relationship or in a complicated relationship. Be conscious and stand for what you want. You can’t eat your cake and have it.

Be knowledgeable of what your relationship mean to you and see that your relationship grows to maturity. Don’t remind your partner of your commitment to the relationship but still chat with another man who is telling you how much he loves you smiling sheepishly.

Be faithful. As a single man don’t be hooking up with other ladies when you are in a relationship, don’t have sex with a woman and when caught lie that you were only relieving yourself. Truth is you lack self-control, you are shameless and insensitive. Your sexual urge won’t kill you if you refuse to be led by it. As a single lady, shooting a video of how you are masturbating and sending it to a man is gross stupidity. Don’t deceive yourself that it does not change anything, it changes a lot. This particular act shows that you can go to any extent to be unfaithful. Know that no matter the promise of how much the video will be deleted it will always be on record that you did such a despicable act and the internet never forgets.

Be bold. If you are telling a man off be bold when doing so and stand by your decision. Don’t tell a man/woman off but still go to him/her for unwarranted help. The help you’ll receive you’ll pay a price for it.

Don’t be vulnerable, don’t be needy. If you are in a relationship and you have made it clear that you are not interested in other man, don’t act like you regret your decision. In church, you must not hold hands with that man/woman in prayer before you can feel the Holy Spirit. You don’t need a man/woman to send you an encouraging word before you can succeed, a man/woman is not your god.

Find yourself and help yourself. If you are journeying through a course know everything that is required, carry everything that is required don’t put yourself in a situation where you’ll have to run to a person you were once attracted to for help.

Chapter 14: Financial Independence

Financial independence is the status of having enough income to pay for living expenses without being dependent on others.

Our society unfortunately has young people who are still financially dependent. Sometimes it is not their fault but as a result of the circumstances they find themselves in and the Nation’s economic strength. However, you should not let this hinder you, learn how to financially independent by saving rightly. There is always a call to save, at seminars and meeting you are advised to save your income but what is not said is avoid saving wrongly. You are saving wrongly if your income is one thousand naira in a day and you save seven hundred naira, when you save this way consideration is not made to the provision of your basic needs, investment and money for personal development. In short, saving must start when you have excess cash.

Saving with a money that is more or less the lowest you can earn is destroying yourself because you’ll have to use the money saved to buy food, buy drugs if you get sick, buy toiletries mas pay for transportation. Save your money but let it be your excess cash. Saving will not bring you any evident benefit immediately but investment can.

Invest rightly. It’s no more news that there are businesses that promise to pay you daily when you invest in them. An organization that wants you to profit from them should be able to tell you to buy shares. When you are compelled to invest in a business, ask questions, there is every possibility that the business is not even recognized and registered under the law.

Some persons need your money to solve a personal need while others are just there to tell you to keep hoping and refer more people so as to get more points. If you want to invest your many in anything start by discussing your decision with a financial expert. Learn the intricacies, know how much you’ll be reaping, and know how the market is so that you won’t have high blood pressure at a young age.

Avoid impulse buying. Don’t buy because you feel like buying a product, if you do not need a product don’t buy it. Don’t bring feelings to matters relating to money.

If you don’t need a product immediately don’t buy the product, if you have not made budget for the purchase of a product then don’t buy it. Avoid instant gratification. Don’t deceive yourself that you are helping the marketer business to grow, you are not because you won’t use the product neither will you give the producer a feedback or recommend the product to other potential customers.

If you like something don’t buy it if you don’t need it, that’s not loyalty. Loyalty is being able to support the manufacturer directly, creating more awareness on the product and what it can offer or learning how to make a product available within your environment for those that need it most.

Resist making no investments. Don’t work and make no investment, invest your money in the right places. As much as there are criminals in the financial sector there are honest people. Understand how to invest when there is economic recession and an inflation of price without of complaining.

Refuse to purchase liabilities. Don’t purchase a product that will not appreciate over the years. Let what you purchase serve you well and not be swallowing your money. If you know the clothe you want to purchase is a trend and it will be of no benefit over the years don’t buy it. If that car you want to purchase because it is cheap will need total maintenance every time before it functions effectively them don’t buy it. Don’t purchase goods you will have no use of.

Refuse to spend your salary in advance, your salary is for future use. Don’t be compelled to touch it rather work with your side income. If you are in a relationship, don’t allow your partner pressurize you to use your salary in advance, when you start, such