Inculcating the habits below will not guarantee you to become a billionaire; it will however help you become more productive, effective and successful in your life endeavors.

1. They are Learners

Nigerian billionaires read a lot. They just don’t read for entertainment, they study trends, concepts and apply what they have learnt to become successful.

2. They Wake up Early and Exercise

Research has shown that exercising early in the morning helps boost concentration, memory and mental sharpness, which are essential traits that can have a big influence on career and success.

By waking up early, Nigerian billionaires make the best use of for exercise thereby creating time for other priorities. This early morning exercise has other benefits such as strengthening the heart, and playing a key role in increased energy and stress management. Femi Otedola, in an interview with one of the national newspapers, said he wakes up around 6:30am every morning and heads to the gym for 1 hour.

3. They Network

Nigerian billionaires know how to network. This gives them the opportunities to have exclusive rights to many things that are not offered to ordinary individuals; Speaking engagements, trips, best of meals, private and public events, and most importantly the ability to push their ideas forward by meeting the right people. Tony Elumelu on his advice to youths on what worked for him said “Never take others for granted. Nurture your relationships.

4. They surround themselves with Smart People

There is a saying “you are the average of the 5 people you spend most of your time with”. Nigerian billionaires surround themselves with the smartest people ranging from strategists, advisers, accountants, and fellow billionaires who they continually brainstorm with on ideas to keep expanding their frontiers.

5. They Diversify

They diversify their sources of income/products, they diversify the countries they invest in, and they diversify the people they surround themselves with.

Saving money takes some efforts and lots of discipline, especially if you’re looking to bulk up your savings fast.

Check out these 5 Moves That we Will Help You Save Faster:

1. Treat saving like a bill you pay to yourself. Set up your bank account to automatically transfer money from your checking account to your savings account once per month.

2. Set up direct deposit to put a certain percentage of your paycheck into savings each time you get paid. It’s a simple way to set money aside before it reaches your checking account.

3. Keep your savings someplace you can’t access it easily — where you can’t make withdrawals at any time using ATM Card.  And better still, make sure it’s a high-yield savings account so that you’ll earn more interest.

4. Save any extra money you might get — whether that’s a work bonus, side-gig income or birthday cash.

5. Download saving Apps that’ll help you save money without even thinking about it. It pulls small amounts from your checking account to your savings account after determining how much you can safely set aside.

Microsoft today announced a new feature for Word: a transcription tool that allows you to get spoken words into your document without you having to type all of them.

The new tool works with recorded audio and live speaking, and can detect different speakers. It’ll also allow you to pull quotes from the transcription and insert them as you please into the document.

At the moment, the Transcribe tool is only available on the online version of Word, and only to Microsoft 365 subscribers. There are plans to bring it to Word mobile at some point in the future. It also only supports English, but that’s also likely to change.

Here’s how to Use it:

First, you’ll have to go to the online version of Word, which you can access from the Office site. Then open up either a new document or the one you wish to add a transcription to. You’ll see a microphone option in the tool ribbon at the top of the screen, with the word “Dictate” under it. Click the arrow next to it, and the “Transcribe” option should appear in the drop-down menu.

Once you click “Transcribe,” you’ll be given the option to either upload audio to be transcribed, or to record audio live. The upload feature accepts .wav, .mp4, .mp3, and .m4a files. Keep in mind that if you use the upload feature, you can only upload five hours of recordings per month. There is no time limit on live audio.

Once you’ve got the audio, either recorded or uploaded, it’ll appear in a window to the side of the main document. It’ll be broken down in to different sections, with different speakers denoted accordingly. To add a quote from an individual section, click the + icon next to the section and the whole thing will be added to the document. To edit each section, click the pencil icon next to it. You can correct punctuation, or individual words the transcription may have missed.

If you wish to add the whole recording to your document, click the button at the bottom of the window. You can also start a new transcription, but keep in mind that it’ll erase the one you currently have. There’s a limit of only one transcription per document. You’ll be encouraged to open a new document for transcription if you’ve got more than one recording.

You can now get your recordings transcribed within Microsoft Word — provided you’re a 365 subscriber.

All the Best!