The words, Patience and Humility have a strong basis in the Yoruba social thought and the omoluabi word-sense. The Yoruba proverb “Suru baba iwa, iwapele oba awure” which literally interprets as: “Patience is the principal character, humility is the mother of good fortune” has a compelling meaning that enunciates the primal place of patience in reaching enlightenment and why the patient invariably get the biggest treat from the pot of gold.

The expression did not stop at the what or the why; it equally dissects the how, such as; “how does one attain enlightenment and good fortune trading with the virtue of patience?”

Good fortune is a universal need; every human being craves happiness, prosperity and the other good things of life. But to have the good things of life one certainly has to be in sync or in good terms with the universal forces that influence one’s actualization of them which include: Time, Chances and People.

People are the actors of the universal script. The social life, religion, politics, science, corporate relations etc are all dimensions of the universal script since they have values and rules that individual actors within the fields are expected to play by. Even though creativity and independence are often desired things, one can rarely excel in a social relation by simply playing by these values.

Chances entail the opportunities or possibilities one is exposed to based on the kind of relationship one has with the significant others in a particular field of engagement.

Time is the specific, finite period these opportunities or possibilities manifest into their equivalent realities. Time can either be influenced by one’s role and purpose or by one’s degree of response to one’s role within a particular social context of engagement.

Generally, people, chances and time happen to us all in that order of magnitude. People hold the key or at least usher you in to your next level of advancement, they influence your chances of rising and falling and equally determine the time taken on your travail. Consider every relationship you enter into as an interface to your next point of development.

The story of Segun broadened my knowledge of how patience and humility are quintessential elements to having a quality relationship with people who ultimately open doors of great opportunities to the favoured individual.

Anytime I visit my Grandma in downtown Oyo to spend a couple of days or so with her, I’d normally visit a pub restaurant which is about five kilometers to our house. I’d visit the pub mostly when I needed to overcome boredom or have a football match to catch up on.

I’d order for myself a bottle of beer and a plate of pepper soup or assorted meat and ponmo. And in about an hour and half I should find myself heading back home.

It was at the pub, I met Segun who worked there as a male attendant. Segun is a very industrious young lad with a luxurious demeanour of calmness and humility. Segun knows how to find his way around you without making you feel uncomfortable. He also has a good customer service and empathy. He served the customers with deft and enthusiasm. He could easily tell what you need and he wouldn’t mind making himself the sacrificial lamb for you to have the utmost satisfaction before checking out.

Segun is very connected and popular among the ladies around and he’s highly favoured and got tipped by many of the male customers who sought his assistance to get thorough to any one of the ladies. I also couldn’t afford to not extend tip to him each time I visited the restaurant. Many times I’d say to myself that I’d love to really help him to better his life if I had the opportunity to do so.

The last time I visited the pub, I learnt that Segun has left for the UK to further his study. He was sponsored by a customer who also appreciated his charm.

The number of stocks is huge. Just as large is the number of stock tips and stock recommendations you constantly come across on the Internet. They all want to tell you about the one stock that is currently undervalued and whose price will rise sharply in the future. Predicting the future price trend of a stock with certainty is difficult but there are types that are almost certain to bring you a profit in the long run and those that are considered to be a lot riskier.

Most Profitable Stocks

In order to provide holders with different rights and obligations, stock corporations can issue different types of stocks. Some types make it easier to buy them while others can indeed be more profitable.

Among these types are:

• Common stock. These are the stocks in which investors invest most often. They represent ownership of a specific part of a company. They also grant shareholders certain rights: to receive dividends, to vote on the company’s board of directors, to participate in the management of the company, and to receive information about the company’s activities.
• Preferred stock. Also referred to as “Golden Stocks”, these carry no voting rights. To compensate, shareholders are granted privileged rights. For example, they can be entitled to a dividend, which is usually higher, or they can receive a higher residual value in the event of insolvency.
• Par value stock. These have a fixed amount of money that determines the size of the share held by a board of directors. The ownership interest is the sum of the nominal values held divided by the share capital of the corporation.

This diversity not only takes into account the interests of the issuing company but also enables shareholders to have different degrees of corporate ownership. Not all brokers offer every type of stock in existence for their clients, so if you want to take full advantage of the market find a broker that has what you need. Among popular online brokers are Brokstock.co.za, Fidelity, and Etrade.

Risky Stocks

Investments always involve a certain degree of risk. A thoughtful selection of financial instruments that match your investment objectives and risk profile will help manage the risk of “equities”. However, there are also risks that you have no control over – one of these is general market risk.

And while every stock investment carries a certain risk, some stock types are riskier than others:

• IPO stock. IPO, or Initial Public Offering, is when a previously privately run company is selling shares to the public via a stock exchange for the first time. Since the company has just released its stock, there is no guarantee that its price will actually go up in the long term, so this is can be a really risky investment.
• Single stock. Nothing illustrates the idea behind the stock market more clearly than the purchase of a single share. Anyone who buys it becomes a co-owner of the company that issued the share certificate. Investors thus benefit from the company’s profits – but may also have to take losses if the company falls into a crisis. Investors who buy single stocks need a lot of expertise and discipline. Otherwise, they risk making mistakes that will spoil their performance.
• Cyclical stock. The earnings of cyclical stocks fluctuate over relatively short periods of time depending on the economic cycle of an industry or an entire economy. A poor economic situation and the associated low demand for consumer goods have an impact on the earnings situation of these companies.

All types of stocks can be profitable for investors but to someone who just started investing, we can not really recommend these types.

How to Pick the Best Stocks

Picking the stocks to buy is a notoriously complicated process. But there are some basic tips that can help you to pick your first stocks and get your portfolio started.

Focus On Well-Known Companies

Since you are acquiring an interest in a company by buying a share, you should find out as much as possible about the company in advance. Familiarize yourself with the company: Where is it based? What does it do, what is its purpose, and what is its business model? Newcomers to the stock market should focus on companies that they know and understand.

Pay Attention To The Company’s Product

We recommend taking a close look at the product or service offered by the company. Are the products innovative and competitive goods or services? You can find information on trends and technical innovations online or in newspapers and magazines. These help you to assess whether the respective products can occupy a successful market position. As an investor, you should be convinced of the marketability of the products. Trust is a basic prerequisite for the success of an investment.

Check Facts And Figures

Key company figures are another important point. With a little common sense, you can understand basic key figures of the company valuation even without business management expertise. For example, the price-earnings ratio (P/E ratio) can be a useful indicator. It shows how high a company is valued – measured against its earnings. The historical P/E ratio of DAX stocks averages 15. A P/E ratio of 15 means that companies are valued at 15 times annual earnings. These companies, therefore, need 15 years to earn their own value through profits. Growth companies, whose business models investors have high expectations for, but which are not yet making profits, usually have a comparatively high P/E ratio.

Always Learn

Stock investors must constantly (or at least regularly) check the news, read up on new developments, and learn new things in general. Usually, everybody does it in their own way but one thing we can recommend is to read stock analysis.

The central task of stock analysts is the systematic evaluation of companies. Analysts usually specialize in individual companies and industries. Their results, called stock research, are made available to professional investors. These research reports are not always freely accessible, but the summary is sometimes published via news agencies, usually, in the form of a recommendation – sell, hold or buy; in each case with the expected price target.

An Alternative to Chasing the Most Profitable and Risky Stocks

If chasing profitable stocks is not your thing, consider investing in alternatives such as bonds or mutual funds:

• A mutual fund is a pot of money that comes from several sources and is to be spent for investment by the company. The money can be invested in stocks, real estate, or commodities. Mutual funds offer an easy way to start investing. With just one fund, you invest in a range of assets and are thus broadly positioned.
• Bonds are loans that are usually characterized by fixed-interest payments. They are issued by governments and companies, which use them to raise money on the capital markets. Anyone who buys a bond, therefore, gives the issuer a loan. The spectrum of bonds is very broad, there are very safe versions, but also highly risky ones. You can buy bonds individually or in the form of mutual funds.

Bonds and mutual funds are usually considered more safe investments that can bring a good profit in the long term.

Conclusion

The types of stocks listed here are the most important ones you need to know. It doesn’t hurt to include these terms in your stock market lexicon, they will definitely help you navigate the financial jungle a little better.

In the world of computing, there have been many great rivalries: Sega and Nintendo, PlayStation and Xbox, Windows and Mac, and now iPhone and Android. The battle for supremacy in the smartphone market is intense, and Apple and Google have managed to push out other well-established brands like Blackberry, Windows Mobile, Symbian, and Nokia to dominate with a combined market share of 99%.

Although it is still possible to buy a device that doesn’t use either of these two operating systems, the reality is that few people will choose anything but iPhone or Android. Therefore, if you’re in the market for a new handset, here are the factors you should consider when trying to decide which one to buy.

Price

Price is often one of the main factors that people use to decide when choosing a new smartphone. For some, money is no object and they want to find the best device that money can buy. In such a case, the most expensive iPhone option is likely going to be your best bet.

However, most people need to think a bit more carefully about how much they want to spend.

If you’re on a tight budget, then Android is likely the way to go. Models like the OnePlus Nord N100 can be picked up for less than a couple of hundred dollars, while the cheapest Apple device is the iPhone SE and costs more than twice as much at $399.

Gaming

The gaming experience on Android and iPhone is very similar. Both the Apple App Store and Google Play Store have a broad selection of titles ranging from simple games like Angry Birds all the way to PUBG Mobile. Fans of casino games are also catered for on both devices, with everything from classic table games to video slots with different themes available that add in an extra dynamic to the traditional slots experience.

They do have some differences though. iPhone users have access to Apple Arcade, a subscription service that gives unlimited access to quality microtransaction-free games. Android devices have support for the Stadia streaming service and can sideload apps from sources other than the Google Play Store.

Additionally, if you’ve bought a budget Android device, you’ll likely suffer with lower gaming performance than with the budget iPhone SE, which actually has a similar internal specification to the former flagship iPhone 11.

Camera

Cameras have been the area that has improved most on smartphones in recent years. Manufacturers have invested heavily in adding lenses with higher resolutions, better colors, and other features. Most flagship smartphones now come with between three and five separate lenses on the back.

Comparing them is not very easy though since the iPhone typically has a lower number of megapixels compared to some Android handsets. That doesn’t mean it takes inferior photographs though as Apple has invested heavily in AI that can enhance the data taken from the lens.

For the average user, any flagship handset will take great-looking photographs, so neither the iPhone nor Android leads in this area. For enthusiasts, you’ll need to compare what each manufacturer offers to see what suits your needs more.

Privacy

There is no getting away from the fact that using a smartphone means you’re sacrificing some of your privacy. Both manufacturers have come a long way in giving more control to users over what information apps have access to. Today, you can control permissions relating to location data, camera access, your stored files, and the ability to see what networks you’ve connected to in a granular fashion on both iOS and Android. This is especially important since apps like Facebook have been found to access the camera without the user requesting it.

Both also encrypt your device by default. This means that someone without your passcode will not be able to download your data if they steal your phone. You can also wipe your device remotely if you can’t retrieve it.

However, the iPhone offers some additional protections that Android doesn’t. For example, Android records every action you take on your device, including the apps you open and what you search for. These are all stored in your Google account, helping the company to build a better understanding of your interests and your usage habits. iPhone users don’t have their activity recorded in the same way and most of what is captured is only stored locally.

Recent iOS updates have also introduced new tools that let you stop apps like Facebook from tracking you.

Size

For quite a while, smartphones have been getting bigger and bigger. For many reasons, that’s great. A bigger screen results in a better experience when watching videos and makes it easier to see detail in images.

For a while, manufacturers could make the screen gradually bigger with each new iteration of their devices by shrinking the size of the bevel around it. That’s no longer possible as most smartphones now have edge-to-edge screens, so handsets have been growing larger and larger.

For men, this isn’t always an issue. The larger pockets that are usually found in their clothes makes it easy to carry a bigger smartphone around, but for women, this can become impractical.

Until a few years ago, all iPhones were made in the same size. More recently, Apple has added the XL and Mini variants, creating some choice for its customers. However, it’s still much more limiting than with Android since each manufacturer has chosen its own dimensions with handsets that are smaller and bigger than iPhones.

So if you want greater flexibility, then you’ll likely want to opt for an Android device.

In Conclusion

Ultimately, there’s no definitive answer to which brand of smartphone is better. Each has its own merits and will be more suited to certain users, so you’ll need to weigh them all up to decide which is best for you.