Yugo's Hub Blog

Yugo's Hub Blog




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Saturday, October 27, 2018

10 Life hacks on how to Save & Manage Money In Nigeria

10/27/2018 04:10:00 PM 1

To be honest with you, knowing the life hacks on how to save and manage money in Nigeria, without car insurance, life insurance etc in this current economic situation is very important, but can be can be extremely difficult if you don't know some of these tricks. Monthly budgeting and planning can be challenging at times because it takes discipline, focus and constant practice to stick to it.

There are common sense tips on saving your hard earned money. There are also not so commonsense ways to save money. Either way, here is a list I've compiled, to help you out.

1. Leave Instagram alone! 

YOU NEED TO FIND OUT HOW MUCH OF DATA INSTAGRAM CONSUMES! Find out! Maybe, only then , you'll find a way to work on your Instagram addiction.

2. Buy LED TVs and not Plasma or LCD

 LEDs are huge power savers. Other types consume more power. You might underestimate the power it consumes, but trust me, it consumes more power than you can even imagine. Same goes for bulbs. Opt for LED/energy saving bulbs.

3. Don’t buy newspapers: 

Who even buys them? You can get your news online anyways. Or, better still, you can talk to someone to tell you what’s going on in specific interest areas. It can help you save more money than you can think of.

4. Learn self control/don't be pressured into spending

Everybody’s financial situation is different . Just because your colleague has bought a new car or booked a flat in a fancy location does not mean you should follow suit. I learnt this early in my career. “When I started working, there was a lot of peer pressure to go out and splurge.

However, my father and senior colleagues advised me against blowing away my entire income,” he says. When it comes to big-ticket items like cars and houses, do the math carefully before committing expenses. For instance , the total cost of ownership of a car is much higher than the price quoted by the dealer.

You also have to include the cost of fuel, insurance, servicing, spares and repair. There are a few rules for buying a car. The price of the car should not be more than 60% of your annual household income.

5. Have a shopping list, ALWAYS!

This is very important as it makes you not to spend more than necessary.  Follow your shopping list and maintain strict adherence to it. A lot of people default on that, they might intend on buying just a toothbrush in a grocery store, but come out with two carts, a horse and the barn owner.
That's what you get when you don't have a shopping list.

6. Avoid using plastic money

Credit and debit cards are essential because an increasing number of our financial transactions take place online. However, plastic money can be dangerous in the hands of a reckless spender. Studies show that people tend to overspend if they use a credit card for a purchase.

If they have to make the payment in cash, they feel the pinch. Since the credit card user only signs on the slip, the full impact of the purchase is not felt.

To suppress the shopaholic inside you, leave your debit and credit cards behind when you go to the mall. Take cash instead.

7. Fuel your car in the morning not afternoon

It’s science! If you’re getting your fuel tank filled up, it is more economical to do it in the morning or even at night, rather than do it in the afternoon or during the day, says experts. They say petroleum products expand when they are warm, so due to the expansion, you end up with a lesser percentage of fuel for the money you’ve paid if you’re filling up in the afternoon or during the day.

In the mornings, however, when the temperature is cooler, fuel is denser, irrespective of whether it’s in liquid form or gas, says experts.

8. Set up a budget and adhere to it

The fact is that setting up a budget is the first step towards prudent financial planning, and it’s not too difficult . You have to just set a limit on how much you are going to spend on your clothes, travel, movies and eating out in a month, and stick to your budget.

Budgeting also helps you keep tabs on the itsy-bitsy expenses, such as casual shopping for clothes, eating out, gifting, and entertainment. Most of the time, these smaller items go unnoticed even though they take up a large portion of the total monthly expenditure.

9. Wash your car yourself

Instead of paying the guy down the road to wash your car, you should find time during the week to wash your own car. It doesn’t only save you money, you maybe lucky to find the spare change you left in the car from last week. 😋

10. Buy 'OK' materials: 

Buying OK materials don't only come cheaper, they also come in great quality and designs. When you buy a good OK material, you find out that for a long period of time, you'll still be using that stuff. Plus, the design and beauty of the material will surely get a lot of people asking you this particular question, "where did you buy this from?"

References: 1, 2 & 3
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Friday, October 26, 2018

Signs That Indicates Your Man Now Has A Side Chick

10/26/2018 05:03:00 AM 0
Does it feel like things just feel off lately. It doesn’t feel like he’s putting in as much energy, attention, and focus?
Maybe it feels awful when you’re together – like you can’t stop fighting and half the time you don’t even know what you’re fighting about. He is been acting weird like he is not that same person anymore?

Here are the signs that shows that he doesn't love you anymore.

1. He frequently starts demanding for space

Your boyfriend really shouldn't be asking for more space in your relationship if there have not been any changes in the way either of you behave. His demands to be left alone could be because he doesn't enjoy being with you the same way that he did before.

Calmly ask your guy why he wants more space. If he says something specific, deal with it and get it over with. But if he says something vague and has no clear reasons why he suddenly wants you to take a step back, his love for you may be fizzling out.

2. He starts to compare you with other girls

A guy should never say something to a girl that makes her feel less beautiful, less talented, or less of a woman than someone else. The slightest hints of comparisons made between you and any other girl should be a warning sign.
Comparing your behavior, looks, or any other aspect of personality with another woman suggests a deep-rooted resentment driving a sense of frustration. Here are some examples of how a guy's cruel words may mean that he is falling out of love with his girl:
  • Why can't you dress like her?
  • She carries such a lot of confidence when she speaks, why can't you do the same?
  • Maybe you should learn a thing or two about style from her.
  • You are such a jealous girlfriend, why can't you be like my best friend's girl? She is always relaxed and calm. 

3. He gets easily irritated by your actions

Love can make you feel weak in your knees but if that feeling fades away then he will start showing his true colors like he will get irritated in every situation and always find an issue in the small situation.

4. Your Boyfriend Suddenly Starts Getting Annoyed by Some of Your Habits

Has your boyfriend recently started pointing out little stuff in your everyday behavior, claiming that you annoy him endlessly? Ask yourself these questions if he suddenly feels that some of your habits are driving him crazy.
  • Did you have these habits before you met him?
  • Had any of those habits created problems in the relationship before?
Make a mental note of whether you have had those habits since the beginning of your relationship. If you did, then why is your boyfriend suddenly becoming averse to them? Ask the same question to him. If he doesn't have an answer for you, the real answer probably lies in his heart, which doesn't beat for you anymore.

5. He doesn't bother to console you even when you are sad.

A man who is in love will always recognize when his loved one is sad or in distress, and will do whatever it takes to bring a smile back to her face. This is true regardless of how much a couple fights or argues. No guy can call himself a boyfriend if he does nothing when he knows that something is bothering his girl.
Hugging a girl when she looks sad and rubbing her shoulders when she is down should be a boyfriend's instincts. If your guy doesn't do any of that and turns a blind eye even when you are feeling blue, it can be a sign that he doesn't love you with the same intensity that he did before.

6. He’s Closed Himself Off From You And Stopped Sharing

You have to compare his current behavior to his past behavior for this sign.
If he used to be really open with you – talking about his feelings, or how his day went, or really anything that was on his mind – and now he’s become more closed off and aloof, it’s a bad sign.

If he was never really that open with you in the first place, then nothing really changed – and it’s not a sign that he doesn’t want to be with you anymore.

Also, this is another one that could be because of some external circumstance – if he’s having a problem he doesn’t think he can talk about he might close off rather than mention it.

But if he used to be open with you and now he’s stubborn and closed off, and he stays that way for a long time, it could mean that he doesn’t want to share himself with you anymore, which is a very bad sign for the future of the relationship.

7. He Really Tries To Hurt You When You’re Fighting

Everyone fights differently. One rule about successful couples is that they usually fight to solve a problem, instead of hurt each other.

That’s why it’s important to compare how you fight now to how you used to fight.
If fights in your relationship with him always eventually turned dirty and had one or both people saying mean things to each other, this isn’t such a big sign since nothing has really changed.

But if your fights used to be pretty reasonable, and have turned nasty, that’s a sign of a lot of negative emotions like anger and frustration about the relationship bubbling up in him, and that could definitely tear a relationship apart.

8. He’s Gotten Really Selfish And Stopped Putting In Effort

This is one of those signs where it’s up to you to decide what you want from the relationship.
Like I said before, this could just be him taking the relationship for granted and testing boundaries. If you make it clear that it’s not acceptable to you, he might shape up.

But if he shows no intentions of putting in more effort even after you make your needs clear, that’s a big sign that he’s not interested in doing what it takes to continue the relationship.
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All You Need To Know About Mesothelioma

10/26/2018 02:37:00 AM 0
We’ve brought together mesothelioma information and resources to help you and everyone you care about handle the cancer without fear. Here you will find all the things you’ll need to navigate mesothelioma treatment, build a support network, find financial assistance and explore your legal options.
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Saturday, October 6, 2018

Step-To-Step Ways Of How To Get Yourself Out Of The Friend Zone ㄧ Part one (1) — Insurance

10/06/2018 08:16:00 AM 0

This post is proudly sponsored by ETHOS INSURANCE INC.

Ethos Insurance is a new kind of life insurance for people who don’t have time for fine print, extra doctors appointments or hidden fees.

Being in the friend zone means you've screwed up, probably right from the beginning or just along the line. It really hurts and might go the extra mile to give you sleepless nights that you wonder why exactly you've go—ne wrong while still going wrong.

The friend zone is where guys who don’t know how to attract women go to die and this is the last place you want to be because you’re going to have to do some serious work to get out of it.

In the friend zone, she’s feeling absolutely no attraction for you and she’s thinking of you only as a friend and NOTHING MORE.

It's widely believed that once you get yourself in that hell hole called friend zone, you're forever in the friend zone and that nothing you do can get you away from there.

This sucks but I know where you’re at and how you’re feeling about it; I'm here not just to prove you wrong but to also help you get yourself out of there.
"To Get Out of the Friend Zone, You Must Change Your Thinking and Behavior – You Can’t Talk Your Way Out of It"
Trying to talk your way out of the friend zone, attempting to convince her of what a great guy you are, why you’re better than that “jerk” she likes, and what a big mistake she’s making by not seeing how “good” of a guy you are is something that won’t work and won’t get you anywhere closer to dating her.
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Thursday, April 5, 2018

10 Pictures Showing How Weird People Can Actually Be

4/05/2018 01:45:00 AM 0
Thanks to the internet, I’ve had a sneak peek of weird people from around the world and their pictures. Through this post I wish to share some of those pictures. My Scorpio friends can agree with me on this one.  They are known worldwide for being weird LOL.

Some are funny, other might find it annoying. But which ever the case maybe in your own case, never hesitate to have a good time while reading this post.

However, have a good time checking them all out below. If you understand even one, do not hesitate to let me know in the comments.
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Wednesday, April 4, 2018

The New Bizarre Condom Snorting Trend That's Breaking The Internet

4/04/2018 04:29:00 AM 0
What is this dare? You may ask. It’s a game called the “condom-snorting challenge” and, not unlike other dangerous dares that have swept social media, teenagers have been doing it — for years now.

Internet fame is a dangerous game and one an ever-changing world of teenagers and fame-hungry losers will eternally search for.

It’s relatively easy to achieve internet fame. It appears that all you need to do is something utterly ridiculous – and often extremely dangerous.

Anyhow. We truly are in the age of Internet Idiocy. We’ve seen the Tide Pod challenge, the ‘choking game’ (which evidently led to numerous deaths), and now we have the condom challenge.

The condom challenge has been around for years apparently but now it’s making a deadly resurgence – and no, you should never do it. I’m not silly, yeah you read right, but it isn’t funny and you might just end up dead, according to Forbes.

The idea of threading a condom through your nose and pulling it from your mouth is however, not new.

The condom-snorting challenge, which dates to at least 2007, gained increased attention in 2013 when a YouTube video circulated online showing a young woman sucking a condom up her nose to Taylor Swift’s “22”. The video has since been removed, but there are still dozens of others showing teenagers accepting the challenge.

Bruce Lee, an associated professor at Johns Hopkins Bloomberg School of Public Health, explained the dangers of the condom challenge in a recent article for Forbes.
Below are the excerpts:
When is using a condom a bad idea? When you are trying to snort it up your nose and pull it out through your mouth. If you ask, ‘why would anyone ever do that’, then you obviously haven’t heard of the ‘Condom Snorting Challenge’

The condom could easily get stuck in your nose or your throat, blocking your breathing or causing you to choke.
Even if you manage to successfully pull the condom out through your mouth, inhaling a condom up your nose would be very uncomfortable and potentially quite painful. Would it really be worth all that just to get more likes and views?
Lee went onto list numerous times people have had pretty nasty experiences after accidentally swallowing condoms. Think blocked airways, collapsed lungs, and appendix’s being lodged.

So why am I making this post?  Simple! Don't think of attempting the condom challenge. There’s plenty of things you can do in life that are fun, funny, or interesting. Inhaling a device used to collect spermatozoa up your nose isn’t one of them.

You feel like having a look at the condom challenge? Watch the video below:

References: 1, 2, 3 and 4
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Thursday, March 29, 2018

Hilarious & Cute Comics That Demonstrates What It's Like Being In A Relationship

3/29/2018 05:27:00 PM 0
Life throws shit at us on our day to day life, it gets worse, sometimes, when we need them less. But  no matter how stressed out or anxious you feel, seeing a good meme or comic fixes virtually everything and marks a smile on your face like nothing else! In all honesty, it’s the best part of the internet.

So, in case you are having a bad day(I hope you are not), we have compiled some of the most hilarious and amusing comics about what’s it like to be in a relationship. These comics were originally made by an artist from Instagram, with the handle @mrs.frollein. She used her own daily life experiences and moments with her boyfriend and turned them into extremely funny and adorable comics for you to see and laugh!

I hope you do have fun reading 'em.

1. Instant Personal Orientation:

2.  Aww

3. The annoying part of having a partner.

4. When you have an emotional partner who loves pet.

5. Love at it's finest

6. It's worth it for the right one.

7. Instant regret 

References: 1 and 2
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Wednesday, September 27, 2017

Biggest diamond for a century, Lesedi La Rona; sells for $53 million

9/27/2017 07:56:00 AM 0
A diamond weighing 1,109 carats — the largest found since 1905 — has sold for $53million
The Lesedi La Rona, as it was named, is the third biggest diamond ever found, and the second largest of gem quality.
 Diamond miner Lucara announced it had sold the Lesedi La Rona to Graff Diamonds on Monday for $53million, or $47,777 per carat.

"The discovery of the Lesedi La Rona was a company defining event for Lucara. It solidified the amazing potential and rareness of the diamond recovered at the Karowe mine," William Lamb, president and CEO of Lucara, said in a press release.

Laurence Graff, chairman of Graff Diamonds, bought the diamond privately after it failed to meet its reserve price at an auction last year.

The 1,111-carat stone was recovered by Canadian firm Lucara Diamond Corp in Botswana two years ago.

Lucara said the price was an improvement on the highest bid received at Sotheby's in June 2016.
The diamond is named "Lesedi La Rona", which means "our light" in Botswana's Tswana language.
The stone was first formed between 2.5 to three billion years ago and is roughly the size of a tennis ball.
Laurence Graff said his company was "thrilled and honored" to own the diamond.
"The stone will tell us its story, it will dictate how it wants to be cut, and we will take the utmost care to respect its exceptional properties," he said in a press release.

"I am privileged to be given the opportunity to honor the magnificent natural beauty of the Lesedi La Rona."

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Monday, September 25, 2017

7 Weird Phenomena That Occur in the Human Minds

9/25/2017 07:28:00 AM 0
Ever since the dawn of our species, our minds have shaped the world we live. From problem-solving to forming ideas and executing them, everything we see around us is a product of the human mind, but there is so much more to our minds than the capability to ideate and innovate. Check out some of the weirdest phenomena that can take place in our minds. 

1. Déjà vu - having the feeling that the situation currently being experienced has already been experienced in the past

Déjà vu is feeling like you have already felt or experienced the same thing you are experiencing right now. Usually, it happens, you feel a sense of familiarity and strangeness as if you had already experienced it before, but you can't pinpoint when or where.

Some attribute this occurrence to dreams, and you feel Déjà vu when the same happens in reality. However, others believe that it arises because you have experienced the same situation sometime in your past but cannot entirely recollect it.

2. Déjà visité - Having an uncanny knowledge of a place you've never visited before

Déjà visité makes you feel like you already know a place that you have never seen. Some people feel a strange sense of familiarity when they visit certain areas, but at the same time are baffled about how or why. This condition is formed on spatial relationships, and some are affected by it more than others.

Many throughout history have documented this strange phenomenon by writing down their experiences in books and short stories. Still, no one has been able to understand exactly why or how such a phenomenon exists.

3. Fregoli Delusion – Thinking that everyone around you is actually one person with many disguises

 The Fregoli delusion is similar to the Capgras delusion, but there are some significant differences. People who suffer from this delusion think that the world around them is filled with one person different wearing disguises and living as other people.

Paranoia is common among individuals with this phenomenon. It was named after an actor named Leopoldo Fregoli who was famous for changing into different costumes during his performances.

4. Prosopagnosia - Not being able to recognize faces of people you already know

Prosopagnosia, or face-blindness, is a unique phenomenon that makes it impossible for people to recognize the faces of their friends, family members, or anyone they already know. Those who are affected by this condition usually use their other senses—such as smell or touch—to recognize others.

Some even remember hairstyles or voices for identification. Those afflicted also have a difficult time identifying locations, animals, and landmarks. It is believed that nearly 2% of the world’s population suffers from this mental condition.

5. Apophenia – Seeing patterns where none exist

Apophenia makes people see patterns that don't exist. Their minds create a familiar image on the mundane objects like a loaf of bread or a stain on the wall because their brains have a higher tendency to arrange and process pattern recognition.

You might have heard stories about people stating that they saw the image of Jesus Christ on a Dorito and so forth—apophenia is what makes them see those images.

6. Cotard Delusion – The sufferer holds the delusional belief that they are already dead

The Cotard delusion is also known as the "walking corpse" syndrome. The affected person believes that they are dead. Some even believe that they have no organs and blood. Some stop eating and drinking as they are convinced that they do not need any nourishment for survival.

People affected by this condition are also prone to severe depression. Treatment is essential for sufferers, as they can severely damage their health if left on their own.

7. Todd Syndrome - A disorienting neurological condition that affects perception

Todd syndrome also known as Alice in wonderland syndrome, is a condition that makes someone see the objects around them as larger or smaller than they are. This condition is not permanent—it appears in in short durations, but may occur several times a day. It is named after Alice in

Wonderland not only because Alice experiences similar situations, but also because author Lewis Carroll was believed to have suffered from it. The syndrome also generally targets children by affecting their visual perception. 

References: 1, 2, 3 and 4
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Thursday, September 21, 2017

This 41 year Old Woman, Lure Hsu, Who looks 20, Is Absoulutely Mind Blowing

9/21/2017 12:12:00 AM 0
World, meet Lure Hsu. Hsu is a Taiwan TWN interior designer who has a strong Instagram game and an even greater sense of style.

But that's not why Hsu is suddenly making waves on the World Wide Web. Apparently, people are freaking out because she is actually 41 years old. That's right, the young woman who looks like though she just turned 18 is actually 41!

Aging is inevitable. Growing old is a part of life. As every year passes, our outer appearance changes. Some are more genetically blessed than others, but when it all comes down to it — your appearance depends on how well you take care of your body.

But she’s not the only one! Apparently Lure comes from a family of youthful looking women who all look like half their age, including their 63-year-old mother!

When you look at Lure Hsu, what age would you guess she is? Most people would answer “in her 20s.”

Believe it or not, this Taiwanese interior designer is actually double that age: 41 years old.

Although most of Lure’s youthful appearance is most likely from her genetics, many people from all over still desperately want to know her skincare secrets.

She actually shared a few tips with Friday Magazine. As expected, she talked about staying out of the sun, coffee plays a part too.

“Everything is simply moisturizing well and not over-exposing yourself to sun,” said Lure.
She religiously uses sunscreen as “sunned skin is drier and make small spots and small fine lines easier to appear.” And we all know what sun damage leads to: accelerated aging.

Hsu also thanks genetics and a well-balanced diet. According to Indy 100, the interior designer drinks her coffee black, chugs water, and avoids super-sugary and greasy foods, while also exercising regularly. 
So, there you have it. The elusive Fountain of Youth may actually come in the form of sunscreen, water, and a light jog. Scroll down for photo proof.

The 41-year-old has surprised millions of people worldwide with her youthful appearance.
But it appears she’s not the only one with such killer looks. Lure comes from a family, where all the members look incredible.

References: 1 and 2
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