Thursday, July 31, 2014

How to Earn Money Through Google Adsense...Step By Step Tutorial By CEO 2createawebsite.


I blurred out my address, account number and bank info for privacy reasons, of course.

Interested in making money with Google?

Here's your complete guide to getting started along with some info on how to maximize your earnings, why some accounts are disabled and even alternatives to AdSense.

If you want to jump to the various sections, use the table of contents on the right.
Below is an AdSense check I scanned from 2006. At the time, it was the largest check I had received in the three years I had been in the program.

Note: Google now pays me by direct deposit, so I no longer have paper checks to show. That is why the screenshot is so old.

Here's a more recent screenshot. It's important to note that this is from this site, my blog, Website Babble, Napturally Curly and three YouTube channels. This is not from just one website.


This is one of my highest payments from AdSense, but I will be honest and say this is way above average for most people.

My earnings aren't typically this high anymore due to all the Google changes, but I still earn what most would consider a yearly salary from AdSense.




What is Google AdSense?
For more juicy tips and strategies on earning with AdSense, listen to my podcast about the program here!
AdSense is a nice way to monetize your traffic, and very easy to implement. It's one of my top earners and has been since 2003.


Google.com earns most of its revenue by allowing other website owners to advertise on their search results pages.

All this is managed through a program they call AdWords (pay per click marketing).
You see these ads displayed above the free/organic results and along the right side of the page on Google.com.

These are called Sponsored Results, and the advertisers are paying a certain amount of money per click for these ads.

It's an auction-based system that allows advertisers to compete for those spots. Whomever has the highest bid and most "quality" ad, gets the top spot and so forth.

Now you can earn a share of the revenue that Google earns from AdWords by displaying these same text or image ads on your site. When someone clicks, you earn roughly 68% of the click and Google gets the rest.

This program is called AdSense.
It's a great program that can help you drive additional income to your website -- especially if it's mostly content based.

So if you are one of those people that doesn't like the idea of paying for a site, this is an excellent way to earn your money back and then some.

Please make sure you read this entire article. AdSense is not a get-rich-quick scheme and it takes a lot of work to make money. Don't think that just because you join, you are guaranteed to make big money.


How Much Can You Earn With AdSense?

The commission you receive per click depends on how much advertisers are paying Google for the particular ad. You will earn a share of that amount.  I've heard of earnings anywhere from 2 cents to $15 per click.

Getting over $1 is probably very rare, although it does happen from time to time. However, you will find that most of your earnings will be on the lower end of the spectrum.

It's important to note that I cannot estimate how much you will earn based on your traffic. People always want to know what the average amount is per click.

No one knows the answer to this except Google, so don't let anyone try to tell you any different. It would be impossible for myself or any AdSense publisher to give this information because the ads all cost different prices and we have no idea what advertisers are paying.

However, there are some niches that obviously pay more. So it is logical to believe that keyword phrases like sex, make money, etc. may earn you more per click since these are highly competitive keywords that are searched for quite a bit on

The more competitive the search term, the more the advertisers pay and the more you earn as a publisher.

Even though Google will not reveal how much you are earning for each ad that is clicked from your site, you can still login to your account at any time and see the total amount of revenue you've generated that day, week, month, year, etc.

For example, if you see that you've made $12.60 today from 9 clicks then you can calculate that your average click-thru commission was $1.40 per click.  That's as detailed as their stats will get.  Also remember, that's only an average.  You won't know how much each specific ad brought in.

The amount you'll earn also depends largely on the amount of targeted traffic you receive to your own site, how well the ads match your audience's interests, the placement of the ads on your pages, and of course the amount you receive per click.

Ideally, you should create a site on a topic you know a lot about.  That way you'll have a much easier time creating a generous amount of content on that subject.

I have been receiving monthly checks from Google since 2003 (yes that's me holding the same check from above), and I've read numerous success stories of websites earning 5 digit incomes per month with AdSense. 

Now, I will admit, a 5-digit commission in a single month is not the norm for most participants, especially today because it is more difficult to get traffic than it was years ago.

My sites have been around for a long time and I have a great deal of traffic so that's a big reason why I earn 4 digits per month.

I promote my sites on social media, create YouTube videos etc. Making a lot of money with AdSense is all about numbers. The more traffic you have, the greater the earning potential.

My checks weren't always this large.  I think my first month's earnings in 2003 totaled less than $20.

However, as my traffic increased, so did my checks.

I cannot emphasize this enough. AdSense is NOT an overnight get-rich-quick opportunity. Even though this may look easy, please don't underestimate the amount of work I've put into my sites over the years.

Creating Your Website for AdSense

Before you even begin your site, make sure you've come up with a topic that you feel you know plenty about.  That way it will be easiest to write a lot of content. 
The more content you have, the better chance you have getting accepted into the program.  Also, the more content and traffic, the greater the earning potential. 
If you want to make a lot of money, prepare to write a lot of content and learn how to market your site. Don't expect to throw up a 10 page site and make $1,000 per month. That's unrealistic.
Now let's talk about building your website.

Creating Your Site

Get a domain (yoursite.com) and then sign up for a web host and build your  pages. I highly recommend using WordPress to create your site because you just pick a theme and your site is up and running.
Once you have selected your theme, you can add AdSense ads by either using a free AdSense plugin or you can use the WordPress Text widget to easily add ads to your sidebar.
If you want to learn more about WordPress I have a video here.
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How to Join AdSense

Once you have 20-30 pages on your site, go to http://adsense.google.com to apply.
When you are accepted, simply copy and paste the provided HTML code into any page that you'd like to show the ads. You can opt to display text ads, image ads, or a combination of both. It's up to you.
You can either display the ads vertically along side the page like Google does or in a banner-like formation horizontally across your pages.  You can even customize the colors to match your site's theme.
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Tips on Succeeding With AdSense

Here are some tips for achieving success with Google AdSense.

Build Traffic
You're not going to make anything with AdSense if you don't have enough traffic. Please don't think this is some easy, get-rich-quick program. This takes work and it all starts with getting visitors.
Learn more about traffic building here.

Experiment
Test ad sizes, images vs. text, play around with colors, you name it. I personally like to have my ads match the background of my site so they blend more.
Some people prefer to make their ads stand out by using bold/contrasting colors, but that never worked well for me. I think it's because they look so much like ads.

Read a blog post I wrote where my readers and I discuss our best performing ad units/sizes.

To display the ads vertically along the right side of the page, just copy this code into your site and paste your AdSense code where indicated.
<table align="right" width="300>
<tr>
<td>INSERT ADSENSE CODE HERE</td>
</tr>
</table>


You can change the width of the table to suit your needs, just remember that it needs to be wide enough to fit whatever AdSense code you selected. You can also switch the alignment by changing the align attribute from "left" to "right."

Create Channels
Channels allow you to see what units are working best. So if you are adding an AdSense unit to your header, you should create a channel called (name it Header, for example) so you can track its performance in your reports.

I think it's important to maximize your click through rate (CTR) so you can attract more advertisers (just my opinion based on logic.) So I remove channels/units that perform significantly lower than others.

Advertisers want to advertise on sites that will give them the most clicks, right? So it makes sense to optimize your account's CTR as much as you can.

So how do you create channels?
When you are creating a new ad unit, you are presented the option of creating a custom channel on the first screen...

Set Units to "Targeted"
When you target your custom channel units, you make them available to Placement advertisers who may want to advertise on your site directly. These advertisers pay more so you earn more per click.

It's super easy to set this up.
Just click "My Ads" from your account, then select "Custom Channels". Click the channel you want to target and click the box for targeting as illustrated below...


Avoid Free Hosts
I know times are tough economically and a lot of you don't want to pay for a website. But the facts don't lie. Successful website owners invest money. Period.

I have yet to open up a magazine and see a successful site featured hosted on Blogger.com or another free host. Never. And I've been out here since 1998.

If you want the search engines and people to take your site seriously, you have to own your site. And if you don't do this, I question your dedication.

Even if it means you have to wait and save your money for 6 months to buy a domain and hosting. I'd rather you do that then take shortcuts with free hosting.

The other problem with free hosts is they can remove your site without warning. This happened to a gentleman just last week who emailed me. There was nothing I could do. If you don't own your site, you don't own your income.


 

Success Story:How a Former Denny's Waitress Amassed an Empire of Over 75 Denny's Locations


Dawn Lafreeda began working at a Denny's in California at 16, making her way from hostess to waitress. During college, she took on a second job at a software company, where she learned about accounting and managing personnel.

In 1984, when she was 23, Lafreeda was able to merge all her skills when she had the opportunity to purchase a Denny's restaurant in the tiny mining town of Globe, Ariz. She jumped at the chance. "I knew from a young age I was going to own my own business," she says. "I always knew I was going to be self-employed."

Eighteen months later, impressed by what Lafreeda had accomplished, Denny's offered her four ailing restaurants in west Texas. It was a challenge whipping the stores into shape, but for Lafreeda the biggest hurdle was culture shock--she wasn't prepared for the area's depressed economy and arid landscape. Every week she called Denny's executives and asked them to sell her a store in the big city of San Antonio.

Eventually they did, and since moving there, Lafreeda has increased her empire to 75 Denny's locations in six states, becoming the largest single-owner franchisee in the system.
We got Lafreeda to tell us how she has built her empire over the past three decades.

You bought a restaurant at 23? That's pretty gutsy.
When you're 23 you don't think the same way you do when you're older. You're fearless and think you can do it all. It empowered me. I was too ignorant to know any better. I remember having a moment of doubt. I told my mom, "I have 35 employees depending on me; what if I fail?" She said, "You'll just start over."

How were you received as a young, female business owner?
I didn't feel discrimination, but when I was 23 I looked like I was 12. Nobody took me seriously. I'd go to the bank for a loan, and they wouldn't believe I was the owner. I just kept forging ahead until I found people to deal with. I wouldn't let no be an answer.

I remember a few years ago, Denny's told me a group called them looking for a female speaker. They realized they had only men on their program and contacted lots of chains to find out if they had any female multi-unit, multistate owners. We realized at that time there aren't a lot of women in multi-unit businesses.
"I just kept forging ahead ... I wouldn't let no be an answer."
--Dawn Lafreeda
What's the biggest change since you became a franchisee?
Being open 24 hours has become more challenging. Over the last 10 or 15 years, we've faced a lot of employee issues that cause us to work harder. The way the younger generation views life and the way they work is very different than when I was in their age group. We have to recruit new employees all the time.

You have 75 units. you must never take a break.
Right now, I'm doing it for the love of it. I love all aspects of the restaurant business. But I think my children--I have 10-year-old twin sons--balance me. If not for them I would work all the time! I love going to work. But I do balance it now, and I have great people and managers to help me. Still, when I'm in town I work six days a week.

Most multi-unit franchisees diversify brands. Why have you stuck with Denny's?
Well, diversifying makes great sense, and opportunities come every week. But this is my 30th year with Denny's. They took a chance on me as a young kid and helped me grow. I've been fulfilled by my relationship with them. And I actually like Denny's. I was at a wedding in Florida last week and I ate at
Denny's twice!

Tuesday, July 29, 2014

How These Young Couple Started Goge Africa-The Renowned African Cultural And Heritage Show And Others


Isaac And Nneka Moses
Isaac says, “It actually came as a choice I made when I was running a radio show. I was just a presenter and my producer wanted basically foreign music from American artistes. We weren’t allowed to play local music because they didn’t want the rating of the show to drop. But I had friends amongst local artistes whom I felt where making good music and should be given some airplay.

“After a while, I decided to do something that I would be in control of and that was how Goge Africa was birthed. When I told Nneka, my wife, she said, ‘Why don’t you do it on television’? And I was of the opinion that television was expensive. I couldn’t afford the kind of money involved; so I said, ‘Let’s do radio’. But she said I should do it on television so that she could costume me because she was into fashion then.

“ I agreed and said we should do the show together because we would have those who would want to watch the show because of her and those who would want to watch the show because of me.
“Gradually and reluctantly, she agreed to co-present and that was it. We started going after footage in 1998 and precisely on the 1st of October 1999, we went on air”.

How They Sort Things Out When Ideas Clash

Isaac says, “For me, it is about being objective. If we both come up with an idea and she could give me a good reason why her’s should stay, I am objective enough to let mine go backstage especially when we have a common goal.

“I believe any idea she comes up with is to move the show forward. It doesn’t have to always be my idea. If she comes up with a better idea, like Shakespeare said, ‘Good reason must give way to better reason’. If you are smart enough, you can tell a better idea than yours, if only you would admit it”.

 Making Sure The Home Front Does Not Suffer

Nneka says, “For me my home front is in the office and also at home. Home front basically is taking care of the house and our son. And because he doesn’t work differently from where I work, he understands when we are working late and we make due. And once we get home, I have to cook and do some house stuff.  So, I am busy at home as well as in the office - its double work and also double enjoyment because I do enjoy cooking.

“My husband relaxes more when we are home. While I am in the kitchen, he is watching television or reading but these days, he doesn’t rest that much because he is either playing with our son or assisting him to do his homework”.

Is Office Work Taken Home?

Nneka says, “Yes. Because we work together, when we are at home, sometimes in the morning or at night, we discuss our ideas. Most of our ideas that really move the business are conceived at home. And when we get to the office, we discuss with our management team and then we take decisions. So, for us, working together has made things easier for us”.

What Of Unresolved Domestic Issues At Home That Are Dragged To The Office, How Do You Stop Them From Affecting Work Flow?

Isaac says, “There is hardly ever any unresolved issue. When you offend someone and you know you are wrong, you simply know that when you apologize, it would end there. But when you refuse to admit, that is when it drags”.

Nneka adds, “Couples shouldn’t allow issues to drag. We have been married for 16 years and we never had an issue that we allowed to drag. We resolve it immediately and it ends there. We don’t talk about it again outside that door [points to the front door of their residence]. And I think it has more to do with our personalities. Keeping malice hinders progress. I like to be exceptionally happy so I don’t allow anything that would prevent that happiness. We trash it there and we move on”.

Isaac continues, “We have a joint account that we are both signatories to and it is not joint signatory because either of us can sign and get money. That means, if I am not around, she can run the office and if she’s also not around, I can also run the office. It’s a matter of discipline. I just don’t go withdrawing money anyhow just because I have access to it; neither does she. If either of us needs money, we discuss it.

“Really, life can be really easy and less complicated and the bulk of the responsibilities lie on we [men] because the bulk of the complications come from us. I have friends who would ask me, ‘Why should your wife know of all your earnings’? If your wife doesn’t know your earning, then you are hiding something. The fact that my funds are open to my wife doesn’t make her spend it anyhow. More so, a woman would not request for money she knows does not exist.

“When a man does not carry his wife along and something happens, the woman also suffers for your misjudgment and the children would also suffer. If you carry her along and there’s a hitch, she can’t blame you because she knows she was part of the idea. And you might be surprised: if you carry her along, she might even come up with a better idea to make sure that your hard earned money doesn’t go to waste. So, be open-minded and be objective”.

Relations As Members Of Staff - How To Deal With Sentiments And Favouritism

Isaac says, “My sister has been working with me for more than 12 years and she is in charge of our commercials.  She is married and has children. The only time I can say I favour her is, if she has to take one of her kids to the clinic for checkup or close early because there is no one at home with them”.

Advantages And Disadvantages Of Couples Working Together

Isaac says, “Firstly, the interests of the family are protected. Also, she is not going to take decisions that will jeopardize the business. And then you don’t have to explain too much; she knows what comes in”.

Nneka adds, “All I see are the advantages. I have enjoyed everything that concerns working with my husband. In my encounter with some women, I come to realize that I have peace of mind compared to lots of women because we are always together. At every point in time, I know where he is and what he is doing. If most women have that assurance, it would give them a peace of mind that would perhaps prolong their life and make them happier”.

 Isaac adds, “I find it strange when you ask someone where his or her spouse is and the person replies, ‘I don’t know’. I can tell you exactly where my wife is at any point in time and she can also tell where I am”.

What Of Getting Tired Of Seeing Each Other’s Faces?

Isaac says, “I don’t know of other people but I don’t get tired of seeing my wife. I actually consider myself lucky to be working with my wife because it is not common. Some couples might not be able to work together because of the kind of person one party is. Men are usually bossy and their wives opinion doesn’t count. Women are actually smart unless you are not smart to know that you have a smart wife. And that is a high level of dumbness on the part of the man”.

Advice For Couples Intending To Run Businesses Together

Nneka says, “Firstly, I would say, it is a very good idea if it would work for you. I do not have the recipe but I would talk to the woman. Do not feel because your husband is placing such responsibility on you, then you are bigger than you are or equal to him. By our cultural inclination, she is still a woman under her husband. As a woman, we are the physically weaker sex but not necessarily the mentally weaker sex. So, don’t talk down on your husband either at home or outside the home. If you treat your husband like a king, he would treat you like a queen. Men are very egocentric so you must treat your husband with respect”.

Isaac says, “Sometimes when I watch Nollywood films and I see them portraying Nigerian women as being cantankerous, I think it is a biased representation of the Nigerian woman because an average Nigerian woman has so much respect for her husband.

“Where we have that problem is with the elite class that are so educated and have this social status, so, they don’t see themselves cooking for the husband. And they leave everything to the housemaid”.

 Ensuring That The Business Outlives Them

Nneka says, “If you look around, most of the people working for us are in their twenties. They started out as trainees and they became permanent employees and they would in turn train other people. So, what we have in place now is, we don’t have to be around for things to work.

“For our employees, you can see their enthusiasm. The people working for us are people that actually love what they do. Some come to work here intending to use us to get visa and run away but because they initially come as trainees, they fall by the wayside.

“Goge Africa now has a lot of segments and these people come with ideas because we have general meetings in which even the cleaner is involved. The cleaner is our audience also because he watches television. So, it is a good thing to have your audience in your meeting. We get feedback”.
                         
Yemi And Ronke Adeyemo; Co-Founders, House Of Treasure Comics, Publishers Of Children’s Comics And Story Books
How They Started House Of Treasure Comics

Ronke says, “He [Yemi] taught Literature in secondary schools and God’s grace came upon him. I say God’s grace because he was not a writing person but now he writes endlessly. Now, he could write continuously for days”.

Yemi says, “I taught literature for 11 years and later felt I needed to do something different. So, I moved over to a publishing house where I was Comic Editor and that was where I learnt the nitty gritty of publishing. After a while, I pulled out and started House of Treasure Comics.

“Even though it was very rough at the beginning, one thing kept me going; I had my wife’s support. When I wanted to start, I didn’t just start, I told my wife and she agreed with me. And when it became difficult to feed the family because I pulled out from my former place of work and had no salary coming in, she never reacted negatively because that would have discouraged me. I cherish my family a lot and wouldn’t want them to suffer because of a dream.

So if she had discouraged me with attitude or nagging, I would have just gone to pick up another job. But she supported me all the way. She was selling from shop to shop. And she is a very good marketer compared to me. And it is what she brought home that we would use to eat. She has been supportive all the way. She is equivalent to 20 workers and I wouldn’t trade her for anything. All glory to God for where we are today and where he is still taking us to.

“I’ll say we started together because we both agreed to the business but she joined me six months after I started. We also have the God factor because I never had passion for writing. Back then, when marking the literature sheets of my students and I read some beautiful articles, I laughed at myself because I knew I couldn’t write what they were writing. But suddenly, the interest of writing came. And every time I want to get discouraged, God has sent angels in human form to encourage me; of which one of them is my wife”.

What They Do When Ideas Clash

Ronke says, “We disagree sometimes but because we know we have a common goal of growing the business, we are quick to resolve the issue. Even when our ideas clash, he would always want to hear me out on why I feel it should be done this way and not that way. And one thing about him is that, he wouldn’t even go ahead until he has gotten my consent. I think he understands the fact that we both gave birth to this business and cannot afford to let ego hinder the progress of the business”.

Yemi says, “I appreciate loyalty and my wife has been loyal and supportive. There is no business deal I would discuss with you that I would not carry my wife along; or haven’t discussed with her already. If I know you are the kind of person that would call me a woman wrapper, I would just tell the person ‘I will get back to you’; but the truth is, I want to go and discuss it with my wife.
“I don’t make decisions concerning the business or even our family without my wife’s input because if it fails, we would both suffer and if it prospers, we would both reap the benefits”.
Ronke adds, “If you are able to discover your role in a relationship - not necessarily husband and wife relationship - it would help both parties.

For example, when we want to write about a particular character - like when we wrote about Chief Obafemi Awolowo - for those families we meet for permission, we usually get their consent. And I know my husband does not like going out so I know I would have to do that. So, I took it upon myself to go and see [Obafemi] Awolowo’s wife in Ikenne, Ogun State. I know that is what I can do and that is what I am good at because I cannot write. So, if everyone knows their role, it helps. So, we have been able to manage our strengths and weaknesses”.

 Ensuring That The Home Front Does Not Suffer

Ronke says, “Now, we have people working for us but when we were doing everything ourselves, I used to do the outings while he would do the school runs. If I am tired, he enjoys cooking and he cooks well.  He would do all that I am supposed to do. We complement each other where necessary.

“If I go out, we communicate; so if I can’t be home early to pick the kids from school, he uses another car to go pick them up. And he can bring them to the office if there is no one at home; and we all go home when we close from work or I meet them at home. At every point in time, there is always someone with the kids”.

What About Unresolved Issues At Home That May Affect Work If Carried Over To The Office, How Do You Deal With Such?

Yemi says, “The fact that we work together makes us resolve issues quicker. If there is an issue at home and we need to discuss something about our business, we just have to communicate.  So, we resolve issues immediately”.

Ronke says, “We also resolve issues quickly because we know we don’t have too many options. We know we must make a success of the business. And as for me, I see it as an assignment because God specifically told me to join him in the business. So, sometimes, when he offends me and the thought comes for me to pull out of the business, I remember it is an assignment and I am quick to put the issue behind me.

“Moreover, I see the business as the future of our children and also my future. So, it must just be successful.  If I say I won’t talk to him, I would suddenly remember a business deal that needs to be discussed. Working together in our business has brought us closer and has really helped our marriage”.

 Advantages And Disadvantages Of Couples Working Together

Ronke says, “Like I said, it has brought us closer. We can talk about business in the middle of the night. And it enables us to make decisions faster. You don’t have to wait till the following morning to discuss with your business partner. We discuss the idea immediately it comes, while it is still fresh”.

Advice For Couples Intending To Run A Business Together

Yemi says, “They must have the God factor - be it Christianity or Islam. Sometimes, when I am writing and I have ‘writers block’, all I need to do is just pray and I am back to flow. God’s factor comes in different ways. It might bring more ideas, better concepts and more favour everywhere one goes.

“Secondly, always carry your spouse along. Even if she is not working for you, carry her along. Let her be your confidant. I didn’t know my wife and I would work together but I confided in her when I wanted to start the business because I needed her support. Also, be open and transparent with everything, especially the finances. When a woman knows whatever we make is for us, she would do everything possible to make you succeed.

“Be consistent. When we started the business, a publishing company approached us that they would be giving us their books to sell and we would be making good money. I really loved the idea but when I discussed with my wife, she said no. That the big company I am seeing also started like us back then, that we should focus on our business. So, be consistent no matter the challenges.
“And lastly, delay gratification. Don’t be in a hurry to spend from the business. What the business cannot afford, don’t buy it. Don’t buy things because you want to show off to people”.

 Ensuring That The Business Outlives them

Ronke says, “I have been able to develop myself. I have been to several business schools and even Lagos Business School. Our children know everything about our business. We carry them along very well. Interestingly, some of them are already showing interest in drawing and some in writing.

“They are the first to read our books. When my husband finishes writing a particular book, he gives it to them to edit. And you would hear one of them say, ‘Daddy you didn’t draw this balloon well’, ‘You didn’t illustrate this well’. And because he is writing for children, we can use their comments as feedback. They are actually our first audience.

“We are working on some things that would further help the business. We are working on having a French translation of our books because we do not want to limit our books to African readers alone. When you celebrate good people, people that impacted their generation, what you are doing is that you are replicating such a lifestyle in the lives of children. If you celebrate armed robbers, you are replicating such lives”.

Mrs. Victoria Komolafe, Director, Victoryland Private Schools. (She Also Spoke On Behalf Of Her Husband)

About The School

Komolafe says, “Though, school business is thriving now, it needs to be done in the right way and left in the right hands. Victoryland Private School aptly encapsulates what we do - to be the child's companion in the very important formative years of laying a solid and valuable foundation for a great future.

The school, however, came into existence in 2005 and got approval from the Ogun State Ministry of Education in 2010, having satisfied the mandatory requirements of sound curriculum, healthy environment, quality teaching and supportive staff, general organisation and administration structures, among others”.

How The Business Was Started

Komolafe says, “Even before he joined the school business, he had always been at my side and very supportive, in the sense that, while I was working as the head mistress at a school, my husband called and encouraged me to start mine, instead of being under someone. So, after his idea, I committed everything to God and we started. Anytime he discovers innovative ideas as regards the school structure, he doesn't hesitate to drop them”.

Why They Decided To Run The Business Together

Komolafe says, “As I have earlier said, he has been there for me and his ideas have been very useful for the school's growth, despite the fact that he is still practicing as an engineer. For instance, the idea to start the school in the first place came from him.

Though, I am a born and trained teacher; I have climbed the educational ladder from primary to secondary, to grade II, to NCE and finally to the level of obtaining my degree in Education from the University of Ado-Ekiti, with my area of specialization in Fine Art, which I still practice now; I can't just do away with my husband's irresistible and indispensable turn-around ideas”.

How Issues Are Sorted Out When Necessary

Komolafe says, “As a result of my pool of experience as a practicing teacher, I’ve had more experience in the line of education than my husband, but whenever he brings any idea, which might not be too good or beneficial to the business, I always make sure I sit him down, and make him understand and give him reason(s) - in love and humility - why the idea can't be used. I have not, because I have more experience in the field, felt too big to consult my husband, I have been submissive”.

Ensuring That The Home Front Does Not Suffer

Komolafe says, “Though I am the woman here and the fore-runner, and others out there may not know much about the two of us running the school, we are really doing the running together. So, I have no problem with the home front, in the sense that I create enough time for my family.

The school starts by 8am and closes by 4pm; so after the closing hour, I make sure I face the home front for real. I don't say I am the one championing the course - I make sure good food is on the table and that my children are catered for”.

Challenges Faced By Couples In Business

Komolafe says, “Yes, I won't call it problems or difficulties and I am not regretting being the proprietress of this school because God has been helping us. Like I have earlier said, at times, there may be contradicting ideas from each other and if not well and maturely handled, it can lead to grudges that may crumble the business. There may also be strange contributions or forces from family members and other third parties - to be candid, all these have surfaced in our business - but we have been able to withstand them.

“One of the challenges faced is: there are different kinds of students, likewise teachers with different backgrounds and you need to be patient and manage them with care - behaviours are different.

“We as well have unnecessary school fee indebtedness by some parents - even while owing you, they would be ready to fight you. My husband, at times will have to decree that no owing student should come to school, meanwhile, I do allow and pardon some at my own discretion”.

Relations As Members Of Staff – How To Ensure That Sentiments And Favouritism Are Dealt With
Komolafe says, “Yes, at times there are sentiments from family members because they just see the business on the tracks of success and they want to know which of the spouses owns the business for them to claim their ‘right’. It might be that the wife is the person spare-heading the business; the husband’s family might begin to raise eyebrows or become jealous.

Though, we don't have family members as employees here, but family members have tried showing up in one way or the other; we have really managed this. We don't allow anybody - family members or third party to intervene in our affairs -‘What the husband owns, the wife also owns it and vise versa’"

What About Unresolved Domestic Issues That Can Affect Workflow?

Komolafe says, “To me, this is a very sensitive issue and I have been very meticulous about it. Yes, if unresolved issues are not well managed and get into the business, concentration might be lost, marking the start of the fall of any business run by a couple. As I have earlier said, I always humbly make my husband see reasons with my inability to agree on some ideas, even as I am trained and passionate about school management. So, he eventually sees reasons for my decisions and the business goes on...

“If I may talk, I will mainly take a look at unresolved issues pertaining to money or finance - it seldom surfaces, but when it comes, I make sure nothing is hidden from my husband about our incomes. Students’ payment of school fees must be made clear to him - even if he doesn't know all, I make sure it reflects in my own little contribution to the home front expenses”.

Advantages Of Couples Doing Business Together

Komolafe says, “There are lots of advantages in running a business together. It is in unity and oneness that we run the business; the children are watching this gesture and they are looking forward to having such home and joint business. Honestly, it has helped me a lot, as people around rate me as unique because of the outstanding moves they witness. You won't be the only one cracking that your brain - we work hand-in-hand”.

Advice To Couples Wanting To Jointly Do Business

Komolafe says, “Well, from my experience, it is a good idea for couples who understand themselves. Though, people don't want to agree with having joint business or finance, we rub hands together to make it clean. I will say your spouses' ideas are needed and useful, as most especially, women can't do it alone. So, I am telling couples out there to work hand-in-hand, to be united, not allowing third party intrusion....”

Ensuring That The Business Outlives Them

Komolafe says, “Our children have been fully incorporated into the running of the school business. Thank God for the children I'm blessed with and from what I have imparted in them, I know they can perform, even better than me. One of them was telling me that she wants to become a proprietress”.

Mr. And Mrs. Arthur Chukwuma, Producers Of The Television Program - Hosanna Hour

Brief About Them And Their Business

Mrs. Chukwuma says, “We are Mr. and Mrs. Arthur Chukwuma; we produce a TV program called Hosanna Hour which has been on for 10 years now. We have a 24 hour TV program that runs on My TV, that is called Hosanna Broadcast Network. We also have Atleon Motors and Atleon Properties. Atleon is a group of companies that houses all these businesses I have mentioned.

“In 2003, my husband, Mr. Arthur Chukwuma, went to pray and The Lord spoke to him about starting a TV program which we now know as Hosanna Hour. But we didn’t start until 2004. We started together, but he was still working with Channels Television, so I was more like the person doing the program then.

He would just come to check on me in the studio everyday to see how far we have gone for that day, after his work and we will go home together.

“ I was working with Voice of Nigeria where I met my husband and we got married. So all our lives we have lived as people in the media. We have always worked together and I have never done any other job aside working in the media.

“So when my husband got the vision to start Hosanna Hour, we came together to start it, but he was distracted by his job with Channels TV, but I had resigned from VON. So I did the job in the day as a producer, then in the evening when he returns we will look at all I have done together, if there is a need for any adjustment we will do it. Along the line, he resigned from his job and today this is where we are”.

“Mr. Chukwuma says, “It was a big challenge working with Channels TV and still coming after work to meet my wife in the office to vet whatever she has done. Don’t forget, I was the one that had the vision and I knew I had to bend to make it happen.

I had commitment at my place of work and it was not going to be easy to just tell my boss that I wasn’t interested in his job anymore.

And because there was a structure in place, it was easy for either myself or my wife or even anybody that comes into the system to know what to do per time, and as a trained broadcaster and also in line with what I was then doing at Channels, I knew I had to vet every program that was going to be aired to make sure the customer gets value for money”.

Ensuring That Domestic Issues Do Not Affect The Business

Mrs. Chukwuma says, “The major thing that usually brings up issues at home and anywhere is lack of understanding and lack of trust. When people lack understanding and trust for each other working together becomes an issue of concern. He is the head of the family and I am a helpmate. What do we do at home? We pay bills, feed the family and the rest, that is not so much a big deal to run where there is understanding and trust.

“So even at the office the same thing goes, he is my boss, my MD in the office and I give him his respect as my MD, but the secret is that we work together as two different people in agreement, understanding and trusting each other. Anywhere in the world if these key elements are in play you can achieve anything as a team.

“In the office he is in charge of operations - what program goes on air, the time schedule and anything that has to do with studio while I’m in charge of administration. I do marketing, managing staff and customers and so on. We have our boundaries and we know it; so there is no clashing point”.

Mr. Chukwuma says, “We have been married for 21years and we have worked together for 10 years. We have known ourselves for 22 years since the days of VON”.

How They Manage Clashes Of Ideas

Mrs. Chukwuma says, “One major fact that cannot be overruled in marriage is that there is a head, and if you are the wife you should always have this understanding that he is the head. If he says, let’s go to Oshodi, in Lagos State, and I feel Iyana Ipaja area of Lagos State is better, I have to present it in a way that he will be able to understand my point of view, and if he says no, we are going to Oshodi, I don’t have to argue.

“If he was my MD and not my husband as it were, I don’t have to argue but submit to his authority even if I know that it is not the way. We don’t bring darling, honey, etc., to the office”.
Mr. Chukwuma says, “I call her Mrs. Chukwuma in the office and when we get home we continue with all that, darling and honey stuff; we make it very formal in the office”.

Mrs. Chukwuma adds, “Some clients walk into our office without knowing that he is my husband until after a while, because if he has to talk to me while in office he calls me Mrs. Chukwuma and I respond the same way, so it is not so difficult because if he was not my husband but my MD, I will never argue with his opinion, I take instructions and follow orders and will always allow him make the decisions, but I can always suggest what I think is right in any case.

“When we are in the office, I am very sure our staff will think we don’t fight, I am not saying that we are saints but we have our bedroom all to ourselves, if there is need to argue sometimes, or disagree, we do that in the bedroom maturely but we do not allow that to get to the office.

If there is something that I need to get right I know the best place to meet my husband/MD to iron it out. I don’t have to asking him questions or talk about issues that would have been best discussed in the bedroom in the office; you need maturity to do that.

“Because we have a common goal, it is very difficult to frequently have clashes of ideas, so apart from the fact that he is my MD, I watch out to protect him also as my husband. So, we do the best for each other because we know each other’s weaknesses better, being both husband and wife and also as MD and colleague - I assist him. We know where our strengths lie and we take advantage of our strengths and we protect our weaknesses.

“Again I don’t feel disadvantaged like other women do, because if a woman feels disadvantaged she can start sabotaging things, I don’t do that”.

Having Relations As Members Of Staff - How To Deal With Sentiments And Favouritism

Mrs. Chukwuma says, “We have had family members come and go but if you work with us as a family member, you will notice that my husband is a workaholic, doing 12-14 hours a day. If as a family member you can’t keep that pace, it will be kind of difficult, because he will push you and other staff who are not members of the family. And that is discipline because he is working hard and he wants you to do same. I don’t resume too early but I work till 8-9pm daily.

“Before our son went for his university studies, he worked with us for some period and he went to learn animation. He stayed awake most nights learning the tutorials for the animation. Today, he is the best animator that we have. When he is on long vacation, he comes around and still does our animation. Most of the animation you see on Hosanna Network, he does them.
“Again we are also introducing another son to learn editing during this long vacation; no sentiments at all. From studies around the globe, family businesses do very well when the nuclear and immediate family members have an idea about the business and are interested in contributing their quota to the success of the business, because they will have to manage some sensitive area of the business.

“People ask us in the industry, ‘How are you doing it’? They must put in as many hours as we do and take the job as seriously as we do. We look at every detail on the program aired in Hosanna Network: this is because we are conscious of the fact that every pastor or an individual who brings their money to us to air their program, wants us to give them our best and so we try our very best to give them our best.

“I spoke to one of the pastors we work for, and by 3am the next day I just woke up and I saw his message on my phone, so there and then I replied his message. When it was daybreak, he called to ask if I don’t sleep. It is not as if I don’t sleep; I have learnt from my husband/MD that I must treat every job as they come so I don’t leave a backlog of undone jobs. At the same time we treat every client of ours as equally important - if you come first your job is done accordingly, except if you ask otherwise”.

Advantages And Disadvantages Of Husband And Wife Working Together In Family Business

Mrs. Chukwuma says, “Yeah, the advantages outweigh the disadvantages. I’m a Christian I read my Bible and I pray, I know that in the Bible God saw that Adam was lonely and he created Eve to be his helpmate - that is the position of a wife. I tell every woman that talks to me that the mission of a woman is to help her husband. If your wife is working with you and she recognizes her place and takes her responsibility as helpmate, we are going to have fewer problems in society generally.

“She [the wife] is supposed to protect her husband’s back. She knows his failures and strengths, so whatever it is she is supposed to stand by him; the advantage here is you are working with a man if you are the woman or you are working with a woman if you are the man, that loves you and cares for you and is not ready to compete with you. Most successful marriages, if you check very well, God has done a perfect match there, were they can complement each other and not compete with each other.

“Another advantage is that in Nigeria today, you work with people who probably care only about the job they do for you but if you work with your spouse that is not the case. If you have a workforce of about 50 people, maybe only 10 people will have that drive to say ‘In the beginning of the year the MD made this speech and expected that towards the end of the year we would have achieved this, now what are we doing to accomplish this task’?

Your spouse could just be among those 10 people who are really interested in the interest of the company.

“Moving forward in business, I will advice that men begin to think of incorporating their wives into their business if they are interested. Again working with your spouse gives you the opportunity to also be part of decision making in the company - you know your role and you play it like you should”.

Mr. Chukwuma says, “There are more advantages than disadvantages.

One of the disadvantages of working with your spouse is that you must understand that you are dealing with your spouse; so you cannot take some hard decisions that will hurt him or her so much simply because she or he is your spouse.

For instance, you can’t say to your spouse, ‘I terminate your appointment from this minute’. That is a hard thing to do”.

Mrs. Chukwuma adds, “For instance, whenever our son comes back from school to work with us, no matter what he does, we don’t give him query or sack him for what he has done, but we talk to him, telling him that as a family member he has to have interest in the company because this is where he belongs. We scold when we have to”.

Challenges Of Working In The Business Together As Husband And Wife

Mrs. Chukwuma says, “Well I am going to address this as it will affect any business in Nigeria: whether you are a couple or an individual these challenges are there. Your being a couple in business does not remove the fact that there is no power supply and that if you have to run a 24 hour business like ours, you have to line up generators to power your equipment.

“It also does not remove that fact that if you even have to buy diesel to run the generators, some unfaithful worker may buy N20, 000 worth of diesel after collecting N25, 000 from you. That you are a couple doing business does not remove that fact that most Nigerians that we see everyday are not trustworthy.

“I give you an example. If an average American lies to his MD, he will lose his job. But here, even when someone is caught in the very act, you are helpless because all you can do is put that person on suspension and later manage him because of the simple reason that if you ask him to go, what makes you think that the next person you will employ will be better?

“Our culture here is full of deceit and full of corruption; it is very unfortunate that it’s already in the system. Children grow up to see their parents and elderly ones lie, and they too lie consciously because they grew up to know that it is part of the system. So you lie or cheat if you must succeed.

These elements are not good for businesses; business is built on trust and integrity.
“I should be able to tell you that I have a product that I want to sell to you and it costs xxx amount and it will do xxx things for you. When you get that product at the price that I am giving it out, it should actually deliver what it promised, without telling you cock and bull stories later on.

Everywhere you go people want to take advantage of you, whether Christians or unbelievers. You don’t even know who is who anymore, it is that bad. People don’t tell people the truth and in addition to that, our infrastructures are not in place, our telecom services, our internet facilities are not worth writing home about; people just do eye service”.

Ensuring That The Business Outlives Them

Mrs. Chukwuma says, “What we do in the family right now is to see how all our children would have an idea of what is going on here, and like I said earlier, our first son started learning animation while he was 15 years old before he got admission into the university. He does all the animation on Hosanna Broadcast, and I’m telling my 14 year old child now that he is going to learn 3D, which his brother will teach him, so if he is not around, he can do the job.

“Yes they are children, but there are some things you will have to tell them to let them know you are not going to be around forever, so we make them understand what goes on in the business especially when they get to the age of 14 and upwards; we carry them along now because they are the future. There are things that you won’t be able to do in the next 20, 30 years, but they will be able to do it so.

“This is the best time for us to teach them, expose them early so that you can catch their attention, because if you can’t get their attention early enough, by the time they have gone out to experience what the outside world has to offer or even they find another passion they have to follow, it will be too late to bring them in; and also, if you bring them in early enough to learn and know what you are doing today, tomorrow when we are old or tired of learning, they can help us through both in business and in life”.

Final Word/Advice

Mr. Chukwuma says, “Working with your spouse requires a lot of wisdom. Know that you complement each other, gather the strength from each other and exploit it; respect each other’s opinions. People have asked me several times, how we are doing it; that we are getting results working together. And I keep wondering how they are not doing it to get results, because for us it is very easy. It boils down to love and understanding”.

Monday, July 28, 2014

How To Import Goods From Dubai With Ease


Dubai Рa member of the United Arab Emirates Рwas once a sleepy fishing village nestling on the Persian Gulf. In the 1960s, it discovered oil and before you could pronounce the Jack Robinson clich̩, it had undergone wholesale economic and social development that transformed it into the ultimate world class metropolis and elevated it to the premier business centre of the UAE region, with a Gross Domestic Product {GDP} of 55 billion pounds.

With more than 70 malls, it has earned the nickname of “shopping capital of the Middle East”. About 80 per cent of Dubai’s 2.3 million inhabitants are non-indigenous of the tiny city-state which has an area of under 1,600 square miles – just a little bigger than Ibadan.

Dubai is populated by mainly Indians who account for 42.3 percent of the population; Emiratis {sons of the soil} - 17 percent; Pakistanis - 13.3 percent; other Arabs - 9.1 percent; Bangladeshis - 7.5 percent; Filipinos - 2 percent; Sri Lankans - 1.5 percent, Europeans - 0.9 percent; Americans - 0.3 percent; and other countries - 5.7 percent. About 2000 Nigerians also live in Dubai.

Dubai as Nigeria’s trading partner
Nigerians ranks highest among African countries that travel to Dubai to import goods.
Mr. Casmir Anachuna, a Dubai-based Nigerian businessman, says Nigeria ranks third among the nations of the world importing goods from Dubai, next to Russia and Iran.
Trading interests among Nigerians are mainly but not limited to jewelry, textiles and spare parts.

In Deira Park, an area known for spare parts, Nigerians from the eastern part of the country are a regular feature as they transact business, preparing way bills for their goods. Many work there as agents.

According to data recently released by UAE’s Ministry of Foreign Trade, UAE’s overall trade with six non-Arab African countries alone (Angola, Kenya, Nigeria, Ethiopia, South Africa and Tanzania) reached a whopping US$ 6.2 billion {Over N900 billion} in 2010.

Nigeria for example has become an important destination for UAE’s exports and re-exports. UAE's trade with Nigeria recorded the biggest increase – among the six African countries mentioned above – doubling to US$863 million in 2009 from US$430 million the previous year.

Importing from Dubai
In today’s economy, people are searching for new ways to financially support themselves. Even if you are working, you are expected to look for alternative source of income. Importation of items that are important to many people remains one of the most lucrative businesses you can think of. This edition of SuccessDigest tells you how you can bring in goods successfully from Dubai into Nigeria and make reasonable profit.

Anachuna says three major airlines - Emirates, Qatar and Ethiopian Airlines - offer daily flights from Lagos and Abuja to Dubai and that it is just about a seven-hour flight from Lagos.

Fastest and cheapest means of bringing goods down to Nigeria

Mrs. Blessing Chukwu, Chief Executive Officer of IJ Costumes, Ago, Okota, Lagos says, “I can say it is by air cargo. Though you can still use container which is cheaper than cargo, but it is slow. You can’t go to Dubai with N100,000 and go for container. You would only tie your money down for weeks. Goods sent by cargo arrive Nigeria in one week. Some containers take about two months to get your goods into Nigeria.

 “I travel most times via night flight; I get there around 3am and I will enter the market to start buying immediately, and after buying my goods, my agents will start packing that same night. I also put some of the goods in my bags, as hand carry or in my travelling bag and book a flight back to Nigeria. I don’t need to go back to my hotel; I can just relax where the agents are packing my goods waiting for the next night flight to come the next morning. The agents are there working tirelessly with a view to getting the goods ready for the next available cargo flight to load them. But if there are lots of goods waiting to be loaded before my goods, it is going to take more time to get my goods into Nigeria. This happens most especially during the seasonal periods like Christmas when so many people are travelling and their goods ready to be imported to Nigeria. There is law and order in Dubai, as they won’t load your goods ahead of someone who came before you”.

Mrs. Folashade Oluwakemi, a business woman that travels to Dubai says shipping is cheaper. “I will advise that a new person going into the business for the first time should not use shipping but cargo because it is faster. If you ship, you can come with the sample of the goods you went to buy and you show it to people that you have this type of good coming on the sea. You start selling till the remaining goods come. But if you have a lot of capital one can do both shipping and cargo and will use the money used for shipping the product to complement money used in bringing the product to Nigeria through cargo”.

Mr. Umechukwu Tony, Importer/CEO, Zeton Integrated Service Ltd. Lagos, says, “Cargo is the fastest means, but it is more costly than bringing in goods by shipping with container. If you want to cargo goods from Dubai, it will take you one week, but for shipping, it takes nothing less than three weeks to get here depending on the kind of arrangements made.

“On the average, freight rates to Africa cost around $2200 to $2600 for a 20-foot container, which has a capacity of 21 tonnes. For a 40-foot container with a capacity of 26.5 tonnes, current rates are between $4900 and $5600”.

Mrs. Kudirat Salu who also imports from Dubai, says, “For those who just want to start importation and to make more profit in the business, I will advise they go for shipping because it is economical”.

Requirements to start
Mr. Ndubuisi Okafor, a trade consultant says, “Before you can travel to Dubai, you need an international passport. Then, you approach a travel agency; they give you a visa application form and you fill in your personal details. They make a photocopy of the data page of your international passport and you can then go ahead and purchase your ticket. Once your visa application form has been submitted and you have purchased your ticket, you have to travel within two weeks or else your visa application form will no longer be valid and you will have to reapply. It is your visa application form that you will present at the Nigerian airport. It is at the point of entry into Dubai, that your visa will be stamped on your passport. Your visa is only valid for two weeks”.

Tony says, “Dubai importation requires getting your visa – which is easier than getting a Chinese visa. With a hundred and fifty dollars you can travel to Dubai, but the price differs from airline to airline. Dubai is free for everyone to import from, as there is nothing like collecting license because they want people to come to their country and they also want investors.

 “One can still get goods from Dubai, if he or she is not buoyant enough because of the constraint of paying for visa and ticket; simply by meeting someone who has been into the business. You can as well remit money to some good Nigerians there that can get the goods from the manufacturer. If you have good contacts in Dubai, you don’t even need to travel to Dubai. There are also agents that cargo goods. As a new entrant, you must be very careful not to deal with agents who may want to inflate prices for you. So, you have to make good and honest contacts before you set out”.

Alvan says, “Going to Dubai is no problem, if you have your international passport. Dubai belongs to an Arab Emirate and they do not have embassy in Nigeria, but what they do is electronic visa and they give business men and women 14 days visa, but for tourism, they give a month on arrival. Immediately, you collect your passport, you have to scan it and then, through someone who have residence there, you get the guarantee of staying within the period of 14 days and after it expires, they will have to hold that person. You know Nigerian law says you must not be in possession of money more than $5,000, so as not to look like you are out there for money laundry – all these are the needed requirements, no other charges. If I must inform you, if you don’t have anybody there to receive you, you have to look for somebody already in the business to link you up. It should be somebody that trusts you.

 “Let’s take for instance, you are not buoyant enough but you still want to go into the business; you can meet someone here doing Dubai importation, tell him what you want and he will get it for you. Also, we can do what is called online importation by searching for the manufacturer in Dubai and the goods you want to buy, make your order and contact them. Payment is very easy now – pay online with your credit card. Though, it might be good to go there yourself to order from the varieties of goods there”.

Salu says, “You need a valid passport, then you purchase your visa and pay for your flight ticket, then after getting to Dubai you go there to buy the things you want to buy. After buying you give your luggage to the agent to weight and the person pays 10.5 dirham or N250 per kilo. One does not need any permit to buy goods from Dubai”.

Why Dubai remains attractive
Most Nigerians doing business in Dubai are full of excitement. And this is for a number of reasons. Anachuna says the business environment is very conducive and that the infrastructure is reliable.

“There is uninterrupted power supply and excellent roads. The cities are dust-free and security is also guaranteed. The crime rate is negligible, and Nigerians who have attempted to pull fast ones usually end up in Dubai prisons. Some Nigerians come here on a monthly basis, so if business is not favourable, you won't find them here,” he says.

Mr. Augustine Ndubuisi who sells vehicle spare parts at Ladipo market, Lagos, says he travels to Dubai once he exhausts his stock. “I have been coming here for over two years now and there has been no problem. Just stay on the side of the law and you would have no problem,” he says.

Dubai has a major seaport and in 1979, it built its first free trade zone around the Jebel Ali Port and allowed foreign investors unrestricted import of labour and export capital. This helped in opening up Duba
i.
Chukwu says Dubai is a place that holds a special attraction for Nigerian traders as a good source of all types of goods, including electronics, cosmetics, textiles, gold, spare parts, telecommunication gadgets and household items.

Chukwu says, “I don’t have enough money to get my visa and ticket for China and my husband will not allow me to go too far. But Dubai is less stressful for importers – it is very easy to go and come back. I just want to tell people that all the shoes and bags in Dubai are made in China, it just depends on the quality you want”.

Okafor says, “Dubai is the economic hub of the Asian Region. Business is the main focus of Dubai economy. There are several business opportunities in Dubai and the government of the country is bent on encouraging and supporting new ones. Amongst the several business opportunities in Dubai, buying and selling is the major one the country is known for. You can shop for several items at affordable price to resell and make profit from in your own country or wherever you reside. There is no tax on either personal income or capital gains and English is widely spoken in business circles in the country”.

Anachuna adds, “For the over nine years I have been here, I only experienced a power outage once, UAE has a strong currency. Its exchange rate of Dh3.67 to a dollar has been stable for more than 10 years”.

Okafor adds that Dubai has one of the most active and thriving wholesale markets in the Middle East, rivaling even the LA Fashion District and the New York Garment District. “While many Nigerians visit Dubai to purchase gold and jewelry, there is also a thriving wholesale market for clothing”, he says.

Snippets from the Internet also reveal that Dubai is serviced by 100 airlines and more than 170 shipping lines. It has more than 20 Free Trade Zones in which overseas companies can retain full ownership, enjoy tax exemptions and take advantage of purpose built offices or warehouses. These cover such areas as cars, healthcare, media and textiles. There are no customs duties on imports or re-exports and assistance in gaining work permits for staff. Jebel Ali in Dubai is said to be the world’s largest man-made port with 63 deepwater berths and good warehousing facilities.

Okafor says, “Anything and everything you may look for, be it handcrafted jewellery, high-tech electronic gadgets, haute couture from Paris, antiques or pure leather accessories, you'll find it all in Dubai - at unbelievably low prices”.

Tony says, “I buy goods from different manufacturers in different countries. I buy from China also. Some of the goods I buy from Dubai, I don’t buy in China. Some we buy in Hong Kong, some in US, while we buy some in the UK. Of course, we buy quality products from Dubai – I have not really had any issue as regards their products, unlike Chinese products. Their products are good and I am satisfied with them”.

Alvan says, “To me, there is much profit in going to China, but there are many risks – in the sense that if anything happens to the product in China, you can’t return it, but in Dubai, you can”.

Overcoming language barrier
Chukwu says, “They speak Arabic in Dubai, but they as well understand English – we negotiate with English. There is no way you’ll get to a shop and you won’t find an English speaker there; if they don’t have one, they can’t sell. It is in China you get some of their sellers or manufacturer who cannot speak English and you just have to go through the hurdle of demonstrating most times”.

Oluwakemi says, “Dubai is a multinational country; different people go there, so they speak English, because they’ve found out that most people who patronize them are people who speak English -  just that the way they speak English is different from the way we speak. You just need to take your time; it’s a multinational country so people from Cameroon, Ghana, and Nigeria go there to buy”.
Tony says, “There is nothing like language barrier in Dubai – they speak English language”.

Alvan says, “Most people that do business in Dubai are Indian and Chinese and they themselves speak Arabic. The sellers there can still manage to speak Pidgin English, but at times if you meet someone that does not understand English, you can still get an interpreter”.

Salu says, “In Dubai they speak English because it is a cosmopolitan, international city and people that come there mostly speak English, though they might not be fluent but one will understand what they are saying. In some shops where the owner does not understand English there is always an interpreter who explains to the owners what the buyers want”.

How to find manufacturers
Oluwakemi says, “I said it earlier, that without an agent there is nothing you can do, but if you say you’ll go through a friend, it is okay - if he or she is someone you know from home and can trust. There are some you meet at the hotel but you just need to be careful because a lot of them are dubious, a lot of these agents are dubious. You just have to take your time, but there is nothing you can do without the agent, because they have stayed there for long and they know most of the area. If you tell them you want to buy baby things, they will find the place where baby things are sold and they make sure they get the place for you. There are some goods that you can buy within the Dubai area and some that you must go far from Dubai city to buy. So you need the agent to take you there, and without the agent there is nothing you can do”.

Salu says, “Buyers most times go to shops but sometimes manufacturers come to the hotel and tell us what they are into and may even arrange for transportation to take us to their factory which are mostly on the outskirts of Dubai. They sell directly to us, and when we buy we give them our hotel room number and they bring the products to us”.
How can one get an agent?

Oluwakemi says, “You can get an agent through other agents, like you can get an agent through travelling agencies. Most of them do hotel reservation, so all you need do is buy your ticket from them, tell them you don’t have an agent, it just that it’s going to be much expensive because they too they have their own commission that you will give to them. Getting through friends is better”.

What to import from Dubai
Indians have a stranglehold on commerce in the city, to the extent that almost every shop you visit is run by an Indian. Their trading interests span the areas of vehicle spare parts, textiles, jewelry, electronics and electrical appliances, and household goods.

Okorie says, “You can shop for gift items, ornaments for homes, carpets and rugs, coffee pots and cups, beads, jewelries, wrist watches, clothes, shoes, toys, leather for chair making, perfumes, electronics, textiles, motor and motor cycle parts, home appliances, etc. The people of Dubai themselves don’t make much of these items; most of its supplies are met through import and other foreign companies established in Dubai for business purposes. Their feat in international business is as a result of their strategic location, and their government is taking advantage of that”.

Anachuna says that wares in Dubai markets include furniture, electronics, computers, jewellery, auto parts, lights and lighting equipment, telephones, phone accessories, textiles and others”.

While many Nigerians visit Dubai to purchase gold and jewelry, there is also a thriving wholesale market for clothing.

Okafor says, “There are many Nigerian customers who purchase wholesale women suits, closeout designer handbags, overstock brand new shoes, and wholesale fashion dresses. In addition to exporting directly, there is wholesale merchandise to shops located in Lagos, Abuja, Port Harcourt, and other Nigerian cities”.

Chukwu says, you can import anything from Dubai. “When I travel to Dubai, I buy whichever goods my money can buy and that will attract profit after sales – I buy any sellable things from Dubai. There are no goods you get from Dubai that you will not make your gain from. If there is no gain, people would have stopped going there. Bringing in goods from Dubai is cheaper, but the only thing there is how much you are going with – the more money you go with, the more gain you make”.

Oluwakemi says, “You can get so many things from Dubai, you can get standing fans, shoes, water dispensers, clothes, electronics. There are so many things that one can get from Dubai”.

Salu says, “One can import baby wears, gold, ladies tops, home accessories, electronic appliances, washing machines, shoes, even medical equipment and their medical equipment are always original and durable. It might be more expensive but they are reliable”.

Challenges to prepare for
Chukwu says, “There are no challenges except that sometimes you may not see your goods. Maybe the agent has many boys working for him and there are mix-up in your goods and that of others, but when you have your name written on the goods, you will likely get the lost goods back. So, you have to tell your agent to be careful. Though, most of the time they are careful, but once in a while you may run into problems.

Also, there are sometimes your goods will get to the airport and all those custom officers disturb you. Sometimes, they use their knife to open the carton and spoil some goods. The customs are the major challenge we are facing, but the agents are in charge and they are to collect all the necessary papers that cover the goods and at times, settle them alongside. There is no business without its challenge, even if you go to Lagos Island. Another challenge is that, sometimes you buy a particular good and it would be difficult to sell.

This ties your money down and at the end of the day, maybe at Christmas, you see us selling it at auction price. It might be shoes bought by someone else for N10,000 and you are giving it out for less than a thousand naira – you can’t just keep it like that and be watching, you have to sell for any amount. As we have challenges with Customs at the airport, so we also have with Customs at Apapa Wharf – before you do any business, you have to go through Customs. They will have to go through and sign your papers, but like I have said, the agents are in charge of them”.

Oluwakemi says, “Everything depends on the agent, there is no how that you’re going to Dubai for the first time, if you’re not careful, you can even fall victim. When they take you out to buy some things, they add their own money and immediately the people selling the goods see the agent with you, they know he will definitely come back to collect his own cut. So you find out that what you’re buying in Lagos for 400 naira, you will be buying it at the rate of 350 at Dubai and when you add charges for shipping and over loading charges, it will be very expensive. So if you’re going for the first time, just go to a place and find out the price of the thing you want to buy, and make sure you know your way back to that same place you went to check the price from, and then you go back there after the agent must have left. You can also check some other places to know the price difference and later you compare the prices you got from the first place and the second place. It you do not do this, you will find out that what you go to Lagos Island to buy is much cheaper than what you went to Dubai to buy”.

Tony says, “One of the challenges I have encountered occured sometime last year: we ordered for some goods from Dubai and we wanted to supply those goods within some period of time, but we couldn’t, as the goods didn’t come in on time – there was a kind of delay in the airline arrangement. Instead of them to use Emirates airline, the agent went ahead to use another one that didn’t come to Nigeria directly – it went to another country before coming to Nigeria. However, there has not been any challenge with regulatory bodies or Customs when it comes to Dubai because they sell quality products and what I deal with are not contraband. I deal with computers.

“In Dubai, though, they sell quality products, but if you are not careful, they can mix it up with substandard ones. But one thing that sets Dubai importation ahead of others is that they will always change such substandard mixed up goods when you complain. So, when you are buying, you still need to be very careful, because even if they will change it, you still need to consider the cost of taking it back to Dubai – you will still pay”.

Alvan says, “To me, the first challenge is finance – computer importation is a capital intensive business, so you need capital to be able to meet up because there are lots of key players in the business. Another one is that you need to be educated and informed, in the sense that, you try to know more and ask questions. So, if you are into computer, you must work with time – I mean change with time. If you don’t go with time, it slows you down, as customers will come and ask for a particular product you don’t know about, this can be embarrassing. Also, there is the challenge of solving a problem. Every customer that comes to your shop comes with a problem, and you must be prepared to solve it. Even if you cannot fix it, you must have an alternative to it. There has been no challenge in the area of regulatory bodies or Customs, as their duty charges are still okay; but where we have challenges is in the air cargo charges – clearing charges. Had it been we have Nigerian airline or shipment, it would have been very easy for us. The Customs, sometimes, don’t know the value of the products we bring in. The way they handle it, some products get damaged while they are checking”.

Salu says, “One has to be careful in terms of making friends, especially the co-travelers you meet in the hotels, because they may want to make friends with you and most of them have ulterior motives for being friendly.  If you want to go and buy your goods you have to be very careful with the agents, else they will make you get things that are exorbitant.

“For instance, during my first time of going to Dubai - this is my tenth year of buying goods from Dubai, but my first time was funny - the agent came to meet me at the hotel; because I didn’t know anywhere I had to wait for him to take me around, without knowing that all the places he took me to and all the goods I bought the shop owners had added his (the agent’s) fee to them.

“Luckily for me I met some ladies at the hotel who asked why I was waiting for my agent; that I should not wait for him, so we all left the hotel to the markets where we bought things close to the hotel that we shared among ourselves. They also took me to someplace where I got a lot of things at much cheaper rates. When the agent came back and I told him what I got from the shop he was very surprised and sad that those people had exposed him. Since then, I  have been going on my own and I would advise would be travelers not to allow agents take them to shops where they buy goods, and even when they take you there just pretend as if you are not buying anything and you buy after he might have left”.

 Start up capital
Okorie says, “Well, like any other business, you can start the business on a small scale by buying your choice items from people who travel to Dubai or elsewhere themselves. If you buy directly from them, it is cheaper for you to sell and still make good money. If you have a close friend that travels to Dubai, you could also give the person money to help you buy your goods, and you can also order online. Whether you are buying from someone who travels to Dubai or you are sending someone that is travelling to Dubai to shop for you, you can start the business with between N20,000 to N50,000.

Chukwu says, “If you have up to N200,000, you can start, but it will not be profitable for you to travel to Dubai as both flight ticket and visa can cost you N150,000. This leaves you with less than N50,000 as you will still need to spend some money for your upkeep there. The amount of goods you can buy with what you are left with may not be enough to offset the expenses and for you to make reasonable profit.

What you can do if what you have is N200,000 to start the business is to find someone who is travelling there and negotiate with them to assist you to buy the goods for you. Although you will pay something to the person going for transportation, you are rest assured that you will still be able to make good profit when the goods arrive. After you have built your capital to around N400,000, you can start travelling down yourself to buy goods.

Oluwakemi says, “It depends on the goods you want to start importing. I import baby things and household things. If you want to start importing them, you need to go through an agent, because there is no way you can buy something from Dubai without going through any agent. You have to tell the agent earlier that there is a particular good you want to buy. So on getting there, the agent will take you to different places you can get your goods from. If the agent now takes you there, it now depends on you to buy it immediately”.

Tony says, “You can start with any amount. The most important thing about this our business is that, you must have a place to display your goods – like a shop. If you don’t have a shop and you want to go into importation of computers, you might encounter problems that you may not be able to come out from, if you don’t have money. I mean, if you begin to supply people, they might run you down, in the sense that if you supply goods of N200,000 and you go there to collect your money, your money may be in installments – so, at the end of that transaction, you might not even have your profit again. It means that, as you are collecting, you are still spending out of it”.

Salu says, “If one wants to start, one should go with 2500 dollars - excluding travel, hotel and other fares. It is advisable to start with babies wears or ladies wears which one can buy for as low as N500 or below and sell for like N1500 here; and when one starts he/she should should not be distracted with buying things for himself/herself”.

Advice for new entrants
Chukwu says, “Let them just try and get their passport through which their visa will be prepared. Once you have gotten your visa which is in paper form, you will have to take it back to the computer to have your passport; so when you go to the airport, there your passport will be stamped with a view to showing that they have given you visa and you are going out of Nigeria. Once you get to Dubai, at the airport, they have to stamp your visa again to show that you are in their country, and while coming out it will be stamped, even when you get back to Nigeria, you need to be checked. It is in Nigeria that you can boycott some processes, it doesn’t happen in other countries. You can’t go to Dubai and steal; you will be caught because there are monitors are all around, both in their markets and hotels, and you don’t stay more than the time given to you. Even when you are given two weeks visa, you need not stay up to that said time – what are you buying for two weeks; you can just stay for three days. This will save your money you’ll have paid for hotel and food.

She continues, “My parting word is that beginners should not be scared or entertain doubts. Just believe in yourself that you will succeed whenever you travel to bring in goods. Like me, I started with buying from a woman who travels to Dubai, with just N6,000. Also, I don’t extort people; I give them normal price. So, start small and make yours cheaper than that of the market own – the market will add the rent’s fee. The Dubai importer must be wise and smart”.

Oluwakemi says, “My advise to those that want to go into the business is that they should look for a sincere person to follow, it’s not everyone you see or that goes there that you use as an agent. The first time I went there, I went there by myself and I didn’t use any person. I met a friend and we booked hotel together and the following morning we went to the market together and that was it. Just take your time, look for someone that has been going there before that you can go with, and if you’re going there, you can go with some amount of money, let’s say 400,000, because you’re paying for the flight from the money; you’re paying for hotel accommodation from the same money. So if you’re going there, make sure you have enough money. If you go there with small money, it’s not advisable. So you go there with enough money”.

Okafor says, “In Dubai, knowing where you source your products and getting the best bargains is very critical, if you hope to make reasonable profit margins back in Nigeria. This is because goods in the shops and malls you find in the city are usually very expensive more than the prices back in Nigeria. You can enter a shop and buy four shirts and four trousers at $300. But someone else can make the same purchase down town, 45 minutes drive from Dubai at a giveaway price of N700 per jeans trousers. What this means is that the $300 would have bought more than 46 pairs of trousers. $100 changes for 360 dirham, while one dirham changes for N40.00”.

Okafor adds, “There is a rise in the ticket price during summer time. Most people tend to travel more during this period and more people go for shopping and tourism. You can also target sales period to do your shopping. You can also go to Dubai during their sales periods. Between January to February each year, there is always sales. It is popularly known as Dubai Discount Festival. Few weeks to festive periods like Christmas, Easter, and Ramadan are also periods when they declare sales. And you are sure to get your purchase at good prices. And their goods are cheaper compared to other countries. Remember, buying quality goods will help you sell your goods quickly and also make reasonable amount of profit. You buy in large quantity and sell in units here in Nigeria”.

Chukwu says, “Before going into this kind of business you should already have a target audience in mind, i.e., those you want to sell to. Whether you have a shop or not you can start this business. The only sure way of selling fast is to avoid the temptation of putting ridiculous amounts on your goods. This is to make it easy for people to afford and conveniently buy whatever interests them from your goods. Even if you don’t have shop, you can supply to those who have shops or sell to people you interact with at a reasonable price. You can also take the advantage of not trying to save money for shop rent and slash price. By so doing, you’ll sell quickly and travel back to get more stock”.

Salu says, “Like any other business, the business of buying and selling is quite a tempting one, because several times, you don’t get to be paid at once, you get money in bits and pieces, you are tempted to spend it, unknown to you that you are eating deep into your capital. Another is that in business there are stiff competitions, meaning you must always try to know what is happening in order to keep your customers, and equally get new ones. Next is, you have to master the art of price setting. In determining the price to sell your goods, remember to also calculate your flight cost and hotel accommodation expenses, so that you wouldn’t run at a loss at the end of the day”.

Chukwu adds, “As a new comer in this Dubai business, you need to go through somebody you know. For instance, many people are now going through me and I do show them the way to go and how to go through it. If you are a new comer, you don’t know anywhere yet, so someone has to take you around or you go to the person you have there – it might be your family or friend”.

Tony says, “What I have to say is that, most times, we youths of today, we don’t want to work hard again. Nobody wants to have a long term plan; nobody wants to pass through the teething stage again – we just want to make it fast either through “Yahoo-Yahoo”.  So, when it comes to starting a business or importation, I do tell youths to start with whatever they have. When I started mine, I didn’t have anything. I just graduated from school and after my youth service; I set up my own business. Some of my friends then are still coming about seeking for non-existing jobs. It is all about persistence, perseverance and doggedness.

You don’t expect to start a business today and expect millions from it tomorrow – you have to start with a challenge, which is the normal way of doing things. You don’t expect manna to fall from Heaven; you need to work hard, and gradually you build your client-base and you get to know companies. People fail because they fail to go through the normal process. So, anybody that wants to start a business must have it at the back of his mind that he or she is going to pass through difficulties and challenges – there are no two ways about it, whether you have N100 million or N100,000 to start a business. A person with N100,000 might even do better than a person with N100 million. It depends on management. Anybody who wants to start importation business must check and research very well what he is going into. Don’t, because your friend is into a kind of business which has just fetched him a big car, decide to do such; you might be making the greatest mistake of your life”.

Alvan says, “You can generate capital from any legal angle – go to the bank, parents, friends and so on; but what is involved is that you must be educated and informed. I will say, don’t put profit before quality, but first seek for quality. You can start with any amount from $10,000 upward for buying the goods alone. For new entrants, you can get people to take you around where the goods are sold, but you have to be very careful not to fall into the wrong hands”.

Salu says, “The person should go with someone that has been going for a long time. Also, I will advise new entrants to have a shop where they sell and not move their products from one place to another, because people will want to owe them and that will affect their business”.