CLIPEUM CHATTELS NEWSLETTER

Talk to us via @clipeumchattels if interested

CHOOSING A NEW HOME

It’s a new Year!

Did you create a vision board? Is building a house or owning a house one of the things on your vision board or plan for the year? Then you need to read this.

Some of the key things you should consider when Looking for a house/land to build are the following:

LOCATION:

What type of family do you have or plan to have? What is your vision? What kind of environment do you think will be ideal and what type of environment can fit your personality? Location is everything as is always said because location determines the value of the property and lifestyle. In Choosing a property, take a cursory look at the location of interest and how it fits you and the amount to be invested in the property. Also consider accessibility to major roads and key life saving tools.

BUDGET

It is important to determine a sent budget and financial options available to own or build a home. You need to set a budget plan, how to source for funds or if the funds are available how you want it invested in the property of choice. There are different funding options that can also be explored and payment plans. Read, review and talk to financial experts when in doubt.

TITLE

The title of the property is very important as this is a proof of your ownership. Where a title is defective it makes nonsense of your investment and non-valuable what you expect to be valuable. Please ensure your lawyers review the title documents. Investigate the title to be sure it is best to invest in such property and the person/company transferring the rights has the power to transfer the rights to you.

AGENT/SELF SEARCH

You can decide how you want to search for a property. You can use a very good realtor/agent to search for your property of choice. Weigh the options available to you, negotiate hard and tough, ask as many questions as possible.

I hope these tips a valuable in your search and quest to own a lovely home!

Enjoy your day.

©OLARONKE ADEOGUN

THE LAGOS HUSTLE

Today is a new day.

Grateful for a new day, for the rain and everything i love.

Coping in Lagos is one of the most strategic thing one must learn to do when you get into this part of Nigeria. 

Below are some of the few tips that works for me:

1.  As difficult as it seems plan your day and week: Write a list of things to do, your feeding plan, schedule of places to visit etc. If you are a working class person this is also very important.
2. Plan your transportation means. If you intend getting to your desired destination whether your workplace or venue for a meeting. Leave way ahead of time. This will enable you to be on time. The advent of google map on the phone has also made it easy to estimate time frame to get to the venue. Also learn to ask questions prior to your visit to the new place. As much as we rely on google sometimes the map pays no cognizance to one way routes thereby putting you at logger heads with some law enforcement agents.
3. Plan your meal: You have the choice of eating out or preparing your meals before leaving the hose. However, if you are a visitor to Lagos well you may most likely be reliant on eating out. Jumia food https://food.jumia.com.ng is a good website to rely on while also seeking opinion of people. sometimes i try to read various reviews and ask colleagues of the best place to get food.
4. Live near your intended place of work or appointment: Ideally it is better to live close to your working environment so that transportation fare amd set off time form home is not to stressful
5. Plan your dressing: Always have something comfortable which can easly transform to fit any meeting type of easily transform you from work flow to causal flow. An extra sandal, slippers can do the magic.

I hope these lil tit bits helps

MY MUSINGS-DATA WAHALA

I have been wondering lately... everybody wants access to information... at whatever cost. The world has also become a small village before you open your mouth a little statement, video, picture etc has gone viral.

We as a people have remained defiant in the face of the rising cost of data. We complain yet we make the global village fun, we have learnt to make people accountable we have also learnt to break people by trolling. As we lend our voice in this internet village, in the streets of the internet of everything let us learn to use our voices in an accountable way.

Freedom and liberty should be used wisely. 

Remember the world can only be better if you use your voice responsibly

I look forward to the day data will be free.

PS: Do you know the Councillor representing your area? How are you helping to make your community better.

(c)Ronnyfals

WHY DO I NEED TO REGISTER MY BUSINESS

COMPANY  REGISTRATION

A   company is in all forms and to all intent and purpose different from a business or a one-man business. The law views a company limited by shares as a different person. It is an entity on its own and can be sued in its name. A company may either be a private company, public company, unlimited company or a company limited by guarantee.

Depending on what your goal and objectives are you can talk to your attorney while taking a decision on the best fit. Some of the things you can consider are the goals of the company, funding options, tax implications etc

Once you have decided on the type of company the following are the next steps:

1.    RESERVE A NAME: What this means is that as an individual or group of people who intend registering a business name you can pick two names which will be submitted to the Corporate Affairs Commission as a first step or pre-requisite to commencing the registration. One of the two names will be approved if it doesn’t conflict with the name of any existing business name. Where it conflicts, you may need to pick other names to re-submit until it is approved. Once approved you can proceed to the next step.

2.    FILL THE NECESSARY FORMS AND PREPARE SUPPORTING DOCUMENTS: You will be required to come up with the directors list. The list should have their names and addresses, shareholders and amount of shares to be taken by each shareholder will be required. The memorandum of association will be drafted by your attorney which shall include names of the subscribers. Form for registered office address, It is also required that a Company Secretary is appointed and the statement of Compliance by Legal Practitioner is filled

3.    Payment of the requisite prescribed sum will be done on the portal after which the forms are submitted. Once there is no query the documents once accepted by Corporate Affairs commission (CAC) will be registered and requisite Notice to that effect sent to the registrant

4.    CERTIFICATE IS ISSUED:  Once the certificate is Issued it can be picked up at the CAC office

Eighteen months after registration it is required that Annual Returns is filled annually.

You can follow me on Instagram @clipeumpartners or contact oadeogun@clipeumpartners.com if you have any questions.

WHY DO I NEED TO REGISTER MY BUSINESS.

FOCUS:BUSINESS NAME/ENTERPRISE

Welcome!

Now that you have decided to be an entrepreneur the next question you hear people asking is- Have you registered the business? Eyes wide opened you may be wondering what do I do first start the business or register the business… dogo turenchi abi… No wahala.

Let me break it down. To be taken seriously you have to be serious! Did you hear me? Ahan!  Some of the other reasons why you need to register your business is to ensure you can deal as an organization with other benefits in terms of funding, getting access to credit lines, regulatory compliance, branding also you have the power to ensure nobody steals your brand name and customers in the long run…also ability to effectively partner with other big corporations within or outside your immediate environment.

SOLE PROPERIETORSHIP/PARTNERSHIP

A sole proprietor is a person who is the exclusive owner of a business, entitled to keep all profits after tax has been paid but liable for all losses.

A partnership under Nigerian law can be formed with a group of persons not exceeding twenty people with the aim of carrying on business for profit purpose.

Under the Nigerian Law this kind of company is incorporated as a Business Name popularly called Enterprises. Some of the steps to take in registering a business name are:

i.              RESERVE A NAME: What this means is that as an individual or group of people who intend registering a business name you can pick two names which will be submitted to the Corporate Affairs Commission as a first step or pre-requisite to commencing the registration. One of the two names will be approved if it doesn’t conflict with the name of any existing business name. Where it conflicts, you may need to pick other names to re-submit until it is approved. Once approved you can proceed to the next step.

ii.             COMPLETE REGISTRATION FORMS: In doing this, you will need to provide-

Approved name of the business

Nature of the business-  This means objects/activities the business will be doing

Address- The expected location where the business will be operating from

Particulars of the proprietor(s) of the business; This includes their name, occupation and address

iii.            Payment of CAC is done based on the amount provided on the portal

iv.           Finally, the forms filled are submitted. Once the documents are reviewed and deemed ok the company registration will be approved. If otherwise a query will be issued. All that is required is to respond to the query by making required changes or otherwise.

v.            A certificate of Registration is issued

You can follow me on Instagram @clipeumpartners or contact oadeogun@clipeumpartners.com if you have any questions.