Financial stability often seems elusive for many in the lower middle class. Despite working hard and having steady incomes, numerous individuals are caught in a cycle of economic struggle. This article explores ten everyday habits frequently hindering financial progress and offers practical advice on overcoming them. 1. Living Beyond Your Means One of the most detrimental habits is spending more than you earn. This often manifests through excessive credit card use and taking out personal loans for non-essential purchases. When you consistently outspend your income, you deplete your current resources and mortgage your future financial stability. For instance, using a…

Founded in the year 578, Japan’s Kongo Gumi construction company is recognized as the oldest continuously operating company in the world. Thousands of companies are founded and liquidated daily around the globe, many of which only operate for a few years, maybe even months. The world’s most valuable companies have only been around for a few decades and with technology changing the business landscape at breakneck speeds, who knows how long they’ll be around. Today, there are only a few thousand companies older than 200 years, and even those seem relatively new compared to the world’s oldest continually operating company,…

Dangote Oil Refinery has begun processing petrol after delays caused by recent crude shortages, an executive said on Monday. The $20 billion refinery on the outskirts of Lagos, built by Nigerian billionaire Aliko Dangote, began operations in January with output of products including naphtha and jet fuel. With a capacity of 650,000 barrels per day, Africa's largest refinery promises to ease oil producer Nigeria's costly reliance on imported oil products. "We are testing the product (gasoline) and subsequently it will start flowing into the product tanks," said Devakumar Edwin, a vice president at Dangote Industries Limited. He did not say…

Key Takeaways Marketing your small retail business involves a creative, multichannel approach. You can maximize both in-store and online opportunities by using the simple yet effective marketing strategies listed in this article. As a small retail shop owner, you have big ambitions but, perhaps, a tight budget. You want to attract more customers but not blow all your means on expensive ads or social media marketing. What are some strategies to implement now and attract more customers? From the in-store experience to upping your digital "curb appeal," here are some simple yet effective ways to market your retail store. 1.…