Don't ever spend your time thinking on your negative past. Let you energy be on the goals and dreams you have in front of you.

No one succeed by accident, so it's your responsibility if you succeed or fails.

Here are the 4 things I expect will happen in the creator economy in 2025:

• The Supreme Court will uphold a U.S. law that could ban TikTok. After reporting on this story over the past four years and spending a lot of time speaking with legal experts, I expect the court to decide that national security concerns override worries that the ban violates the First Amendment, similar to the appeals court’s ruling. I think the Supreme Court will make a swift decision before the Jan. 19 deadline.

That won’t mean it’s game over for TikTok. President-elect Donald Trump, whose lawyers have asked the Supreme Court to delay its decision, wants to suspend the ban. And after the video app exhausts the legal route, I expect parent company ByteDance will hold discussions with buyers, though it may ultimately decide to shut the app down in the U.S. rather than strike a deal.
I predict Elon Musk will emerge as a suitor and try to buy the company.

• Instagram and YouTube will launch major shopping features to compete with TikTok Shop and take advantage of uncertainty around a ban. Individual creators on TikTok have made entire businesses around earning commissions through products they recommend, and they don’t have a great alternative if TikTok Shop disappears. Though Instagram in 2022 scaled back its shopping initiatives, I think it will revive these efforts in 2025, making it easier for creators to sell and recommend products. YouTube has also signaled shopping is a focus, including by recently expanding a partnership with Shopify.

• Hollywood goes even bigger on creators. Movie studios and streamers will work with more social media creators this year, both by casting them in traditional acting roles and by building new reality TV shows around them. They will also license their content and shows and launch more free, ad-supported streaming channels as they look to boost the amount of content available on their services. We could see deals featuring big stars, such as Alix Earle and Mark Rober.

• Direct investments in creators and their companies will rise. It’s not clear there’s a market for many startups focused on offering tools for creators. I expect more investors, from venture capitalists to private equity firms, to back the part of the creator economy that continues to grow: The influencers themselves, who have historically bootstrapped their companies. Creator-founded companies, particularly beauty brands started by influencers, could be targets for investments and acquisitions.

Plus, I grade last year's predictions and what I got right and wrong. (My prediction that creators would play a key role in the 2024 election was spot on. My prediction that X would rebrand back to Twitter -- not so much.

How to Kickstart Your Music Career in Nigeria

Embarking on a music career in Nigeria’s vibrant and rapidly expanding industry is both an exciting and challenging endeavor. In an environment where Talents abounds and every OAPs, DJs and Bloggers looking for what they can grab from any available artist, you’d need a long roller coaster ride to get to your destination

https://smenmusic.com.ng/how-t....o-kickstart-your-mus

The Realities of Entrepreneurship


An experienced entrepreneur opens up about the real challenges, sacrifices, and key traits needed to make it.

journey is about "adjusting, learning, and staying the course when things don't go as planned," a sentiment that any entrepreneur can relate to. For those looking to follow in his footsteps, Broders' story is a powerful reminder that success is not about having a perfect plan, but about having the perseverance and adaptability to navigate the inevitable challenges along the way.

Have you ever wondered about how to go about starting a small business online or offline without having to break the bank? Or have you brainstormed on small business ideas but everything you’ve thought of is going into hundreds of thousands or millions and you just don’t have the money for that?

Well, you should stop worrying! In this article, we’ll be discussing some unique and exciting small business ideas that you can start with just 20,000 naira (20k), that will provide you with sustainable income. It’s a great opportunity to build a successful career and laugh all the way to the bank in 2023, so keep reading!

5 Reasons to Start Your Own Small Business
Before we dive into the small business ideas, let's first explore the reasons why starting your own small business is a great idea.

1. You Get to Be your Own Boss
You might have gotten to the point where you no longer want to be a corporate drone, and you’re finally ready to become the boss of your own small business here in Nigeria. Having your own business provides flexibility that a 9-5 will not give you - you get to work from where you choose, and you can get your life and time back under your control.

2. To Create another Source of Income
Okay, even if you’re cool with the 9-5 life, can you say no to more money? With the economy tanking even more day by day, creating a small business to increase your income isn’t a far-fetched reason anymore. And thankfully, in this age of technology, its now easy to run a business even if you have a full-time job.

3. To Solve a Need or Problem
One of the best reasons to start a small business of your own is if it is a solution to a problem, and here’s why - if you’re providing a solution to someone’s need, they will patronise you. For example, why do I need to go in the hot sun to the market, when I can just order fresh items online?

4. To Quit A Job You Hate
This might sound funny, but it’s an actual thing! A lot of people would rather relax and chill every day than work, but that doesn’t mean they hate their jobs. If you’ve gotten to the point where just thinking about working is giving you severe anxiety, it might be time to call it a day, and start something where you can bask in your passions and have a good time while making some serious money!

5. To Kill Boredom
Boredom is also a strong reason why you might decide to start your own small business. One thing is guaranteed; the life of a small business owner is anything but boring.

10 Business Ideas You Can Start with 20,000 in Nigeria

Here are 20 amazing small business ideas that you can start with just 20,000 naira in Nigeria, without breaking the bank or clearing out your savings. And even better, you don’t need to have a skill to sell any of these! You can also consider starting a dropshipping business online instead, as it'll help you reduce costs!

1. Perfume Oils
You can never go wrong in the business of smelling good. Perfumes can be quite expensive, and a great substitute for them is perfume oils. This means you cater to people who aren’t willing or capable of spending a lot on perfumes. To help you with starting, you can find a wholesaler and negotiate a cheaper cost price by buying in bundles. This gives you the opportunity to have a reasonable selling price that will guarantee a profit.

Related: Set up a Website in 10 seconds to start your business online

2. Mobile Phone Accessories
With how much it costs to buy a phone these days, everyone always wants to go the extra mile to protect their phone. They also tend to do that with pretty pouches, for the picture-perfect Instagram mirror selfie. You can order these mobile phone accessories online and then resell them at amazing prices. You can also sell add-ons like earphones, pop sockets, screen guards, e.t.c

Related: Manage Sales Faster on Instagram with Bumpa

3. Fashion Jewelry
Fashion jewelry is quite the rave at the moment, because not everyone can afford gold and diamonds, but still want to look great! Chains, ankle rings, earrings and nose rings are some of the hottest items in fashion right now, and you will always have a steady stream of customers.

4. Underwear
The great thing about underwear is that it caters to both genders, which then gives you a wider audience to work with. You can choose to go with just male or female underwear or both!

5. Thrift or Okrika
Who doesn’t want to look good even on a budget? Here, you have a large audience and you’re providing a huge solution to the problem of spending too much while shopping.

6. Hair Accessories
Hair accessories especially for kids are also a great business idea to start with 20,000 or less. With kids, there are tons of events that need dressing up - birthdays, inter-house sports, end-of-the-year parties, Christmas parties, e.t.c

7. School Snacks for Kids
Kids always need to have a snack or two in their lunch boxes. From biscuits and cookies to chocolates and even drinks, there always has to be an option other than food for them to munch on later. Take advantage of this and start a business selling delicious school snacks for kids.

8. Waist beads and Anklets
When it comes to fashion, the options are really endless. Waist beads and anklets sell out very quickly, and the market for them is also very large.

9. Power banks
Anyone who lives in Nigeria knows how epileptic the light situation in the country is. What does this tell you? The need for power banks is very high. You can invest in power banks to cater to the market of people who definitely need it.

10. POS Business
Another need that you’ll be creating an easy solution for is cash availability. You can save people the stress of going to the bank or queuing at ATMs to get cash. With a POS business, you can make as much as 1000 on a 10,000 transaction.

Marketing tip: The best part about the business ideas listed above is that you do not have to stick to just one! As your first business grows and you start to make some profit, you can start investing in another idea for more income. Some of them go hand in hand but remember to pace yourself and start small with your budget first.

Now that you have all of these business ideas that you can choose from, how about we talk about marketing channels for your small business that you’re about to start? Learn about simple hacks for marketing your small business without spending all your budget on marketing!

Frequently Asked Questions
1. How can I start a small business in Nigeria with a limited capital of 20,000 Naira?

When starting a business with limited capital, research and choose a business idea that requires minimal investment and matches your skills and interests. Develop a simple business plan that outlines your goals, target market, pricing, and marketing strategies. Find cost-effective ways to source products, like buying from wholesale markets and negotiating discounts with suppliers.

2. Are there any profitable business opportunities in Nigeria that require a small investment of 20,000 Naira?

Nigeria offers numerous entrepreneurial opportunities, even with a small investment. Consider starting an online business or a dropshipping business, where you do not have to spend up to 20k. Remember, success requires dedication, hard work, and adaptability. Also, provide excellent service and stay focused on meeting customer needs.

Written by Petra Nna. As seen on getbumpa.com

A great business name is the beginning of all things good for your business. For one, it is the first point of contact with your audience and potential customers. Secondly, it shows the essence of your brand and sets the tone for your customers’ interactions.

Also, it can immediately tell your customers what your business is about.

So in 2024, ‘Emeka and Sons' may not cut it anymore.

A strong business name can differentiate you from competitors, leave a lasting impression on customers, and even drive brand loyalty. In this article, we’ll break down the importance of a well-crafted business, how to generate one from your business name ideas and suggestions, and examples you can work with!


Key Elements of a Great Business Name


Like they say, a good name is worth its weight in gold. Well, a good business name can rake you in hundreds of thousands of any currency of your choice. So yes, it’s quite important to pay attention to detail when choosing a business name. These are some of the key elements that make a great business name:

Make it memorable: A successful business name should be easy to remember for customers, making it more likely to stick in their minds and be recalled when needed.

Make it unique: Choose a distinct name and unlike others in the industry to make you stand out from the competition.

Make it relevant: It should tie to your industry, product or services. This helps customers understand what your business is about at a glance.

Keep it simple: A simple business name is easier to spell, pronounce, and remember. Avoid overly complex or lengthy names that may confuse potential customers.

Make it versatile: Choose a name that allows flexibility for your business as it grows and potentially expands into new markets or starts to offer new products/services.


How to Come up with Creative Business Name Suggestions
Generating a unique business name is important in establishing your brand identity. To come up with the perfect ideas, here are some practical tips.

Start by listing keywords related to your business, products, or values. Use these words to spark ideas and create combinations for your business name.

Create a visual map of interconnected words, concepts, and ideas related to your business. Allow this visual representation to inspire potential name choices.

Invite friends, family, colleagues, or even online communities to participate in a brainstorming session. Different perspectives can lead to fresh and creative name ideas.

Experiment with adding prefixes or suffixes to existing words or combining different words to form a unique business name.

Think about the tone and personality you want your business name to convey. Whether it's playful, professional, or innovative, ensure the name aligns with your brand's image.


Now, let’s get into the fun part!

Catchy and Creative Business Name Ideas


We’ve made a collection of business name ideas that can help you create yours! Remember, these are just suggestions so you don’t have to use them, and you can also tweak them to fit your brand tone or anything you want!

Fashion

Food

Skincare

Makeup and Beauty

Fashion Business Name Ideas
DreamGlow Apparel

VelvetWhisper Fashions

SereneChic Collections

ZipZest Threads

ChiffonSwish Couture

VogueVista Designs

ChicCharisma Collections

ThreadCraze Creations

StitchWitch Studio

StyleAlchemy Co.

ChicPeek Chic Boutique

Food Business Name Ideas
Flavor Eats

TastyThrill Bites

SizzleCrave Catering

YumCrunch Delights

MunchMelt Kitchen

GourmetGusto Grub

SavorySpice Shack

BiteBliss Bistro

ForkSpoon & Co.

CulinaryWhimsy Kitchen

Skincare Business Name Ideas
SkinElegance Beauty Shop

BeautyGlow Skin Lab

SkinCharm Beauty Essentials

FlawlessSkin Beauty Hub

GlowUp Elixirs

PorePatrol Products

GlowGetter Goods

PopFizz Beauty

SkinSerenity

Makeup and Beauty Business Name Ideas
BeautyBoost

GlowEssence

ChicLook

GlamZone

PureRadiance

StyleBlend

LushGlow

SimplyChic

BeautyAura

VelvetTouch

EnchantedCharm

BlushBoom

Come Mistakes to Avoid When Choosing a Business Name
When naming your business, avoid common mistakes like being too specific, choosing a hard-to-spell name, or picking a name that may not fit your future plans. Make sure your name isn't too narrow, easy to spell, and allows room for growth. By choosing a clear and versatile name, you can make it easier for customers to find you and adapt as your business expands.

Conclusion
When creating a business name, always consider the important things; that it resonates with your target audience, shows the essence of your brand, is easy to spell and can always be remembered. Start by creating a pool of business name ideas, and narrow it down until you get something that suits your brand perfectly. Also, seek the opinions of people around you as that may help you get more inspiration.

Good luck creating a business name that does wonders for your brand!


Written by Petra Nna . Curated from Bumper

5 Financial Moves To Make Today To Become A Millionaire In 2025




With the right strategy and mindset, becoming a millionaire is no longer a distant dream. It is possible, but it takes work and it’s not a get rich quick overnight scheme. You need to be committed to reaching your goal. Success takes time, discipline, and consistency, but the journey is worth it. When you set clear goals, build a plan, and follow it, the path to wealth becomes clear and attainable.

With digital opportunities and increased access to financial tools, there has never been a better time to take control of your financial future. Whether you are starting from scratch or looking to accelerate your progress, today’s financial landscape offers endless possibilities to build and grow wealth.


Let’s explore five financial moves you can start today to reach millionaire status:
1. Create your wealth building plan
Create clear financial goals and build your plan to attain it. Calculate how much money you need to reach $1 million in net worth then calculate how much you need to invest to reach that goal. Do you need to make more money to reach that goal? Do you need to reduce your debt level? Do you know your investment targets? Ensure that you build your financial plan that takes all those questions into account.


2. Maximize your income streams
To reach millionaire status you may need to add income sources such as a side hustle, freelancing work and building passive income ideas. Identify areas where your skills match market demand. This is where you can either scale your business or career. If working 9-to-5 you can invest in career development and negotiate a raise. If launching or scaling your business, invest in the tools and resources it takes to do so.

3. Invest strategically and consistently
Start investing now. Whether you choose to invest in stocks, bonds, or real estate, be sure to diversify your portfolio and balance risk with a mix of assets. Set up automatic contributions and slowly build your investments. Even if it’s small amounts, invest now.

4. Eliminate debt
If you are carrying credit card debt and loans, these drain resources. You need to pay off debt as quickly as possible. If your credit score is suffering find ways to boost your credit score so that you can access better rates. Reinvest savings from debt payments into wealth building activities.

5. Protect your wealth
You are your largest asset, and you need to protect the income you generate. Be sure to protect yourself with health, life, and property insurance. Build an emergency fund where you save a minimum of three to six months of expenses that you keep in a high interest savings account.

The bottom line is that to become a self-made millionaire requires focus, strategy, and action. When you follow these tips, they will help you build a solid foundation for financial success. The journey to $1 million starts with a single step, so take action and watch your wealth grow. And remember that financial success is more than just the numbers; it’s about creating options, opportunities, and a legacy for the future.

Written by Melissa Houston. As seen on Forbes

It's the new era

Shame to the devil and his cohorts