http://www.emmabglobalconcept.org/

Emmab Complete Solutions Concept, No. 4, State Secretariat Road, Ground Floor, NICON House, Jos (2026)

29/05/2026

On BU$I₦£$$ DIG£$T this morning, May 29, 2026
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FACEBOOK ADDS A FEATURE OF 'VIEWS' ON IT APP and this is simply good for business.

Recently, Facebook updated its metrics to use "Views" as the primary measure of content performance across all formats (reels, videos, stories, photos, and text posts). This replaces older terms like "Impressions" (for posts) and "Plays" (for videos) with a single, simplified metric.

This is good for business, particularly for people who don't use any reactions even after viewing, reading and taking lessons from such posts.

How "Views" are calculated

♣︎Reels & Videos: Measures the number of times a video started or replayed.

♣︎Photos & Text Posts: Measures the number of times the content simply appeared on a user’s screen, including repeat views by the same person.

♣︎Stories: Shows exactly who viewed your story, even if they aren't on your friends list or don't follow you.

♣︎Other Video Metrics: Metrics like minutes viewed and average minutes viewed replaced watch time.

Annonymous viewers, shadow viewers and readers who will never react or comment, we now know you. Keep viewing and keep the views coming.

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Business Digest....your indispensable daily business companion.
__________________________________
Yours-In-Entrepreneurship
Dr. Emmanuel Idenyi Shaibu
animn, ace, f.hcd, f.dss, m.frcn, fimc, cmc, cms, FAiPA, DPA, FCCFI, FCALM-UK, CCFIP, CNA
The Millennium Entrepreneur!
MakingAMarkGlobally

28/05/2026

On BU$I₦£$$ DIG£$T this morning, May 28, 2026
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Cultural Intelligence (CQ): An Integral part of Emotional Intelligence in Business.
Conclusion

Building skills around (CQ), is the critical capability to function and relate effectively in culturally diverse environments. While Emotional Intelligence (EQ) helps you understand emotions in your own culture, CQ extends those skills globally, allowing you to adapt behaviours, build rapport, and bridge cultural differences across international and remote teams.

It is not enough to be emotionally intelligent, it is further required to be culturally intelligent as well.

As we consult, train and manage businesses across cultures, it is incumbent on us to be alive with these skills at all times.

Therefore, why is CQ important in Business and Administration?

📍Global Leadership:
It is the single strongest predictor of success in cross-border teams and multicultural negotiations.

📍Psychological Safety:
CQ ensures that diverse perspectives are heard, reducing friction and increasing innovation.

📍Stakeholder Relations:
It builds trust with international clients, investors, and outsourced partners by respecting regional business etiquette.

Particularly in Nigeria, how we conduct trainings in the North must align with the culture of that location than others. We must align with timings, and religious biases to still achieve our overall business objectives.

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Business Digest....your indispensable daily business companion.
__________________________________
Yours-In-Entrepreneurship
Dr. Emmanuel Idenyi Shaibu
animn, ace, f.hcd, f.dss, m.frcn, fimc, cmc, cms, FAiPA, DPA, FCCFI, FCALM-UK, CCFIP, CNA
The Millennium Entrepreneur!
MakingAMarkGlobally

27/05/2026

On BU$I₦£$$ DIG£$T this morning, May 27, 2026
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Cultural Intelligence (CQ): An Integral part of Emotional Intelligence in Business. Introduction

Cultural intelligence (commonly known as CQ) is the ability to function effectively across different cultural settings, including varied national, religious, organisational, social and even traditional cultures. It goes beyond basic empathy, enabling individuals to read, adapt to, and navigate diverse environments professionally and relationally.

It is typically broken down into four core capabilities:

☝️CQ Knowledge (Cognition): Your understanding of how cultures are similar and different, including knowledge of cultural norms, practices, and conventions.

☝️CQ Drive (Motivation): Your interest, confidence, and intrinsic desire to adapt to cross-cultural challenges and work in diverse settings.

☝️CQ Strategy (Meta-cognition): Your ability to plan, pause, and make sense of culturally diverse experiences. It involves questioning your assumptions and avoiding stereotypes.

☝️CQ Action (Behavior): Your capability to adapt your verbal and non-verbal behaviors (such as gestures, tone, and speech acts) to fit specific cultural contexts.

For us at Emmab, we train and consult across cultures, we have over the years learnt to display a good dose of CQ to remain relevant within Nigeria and even in the diaspora.

It is against this background that we can always confidently wish our muslim clients, readers, followers, well wishers a Happy Eid-el-Kabir which is popular greeted as Happy Sallah or Barka da Sallah.

Enjoy the blessings of the season and may God Almighty protect us all from the evils created by our fellow humans.

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Business Digest....your indispensable daily business companion.
__________________________________
Yours-In-Entrepreneurship
Dr. Emmanuel Idenyi Shaibu
animn, ace, f.hcd, f.dss, m.frcn, fimc, cmc, cms, FAiPA, DPA, FCCFI, FCALM-UK, CCFIP, CNA
The Millennium Entrepreneur!
MakingAMarkGlobally

26/05/2026

On BU$I₦£$$ DIG£$T this morning, May 26, 2026
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PEOPLE MISTAKE YOUR ASSET "RICHNESS" FOR LIQUIDITY 2.0

Confusing asset richness with liquidity is one of the most common and dangerous financial traps.

You can be a millionaire on paper but completely paralyzed when a sudden expense demands cash.

What is the difference? Let me share a few concepts below:

1●The Core Differences:
📌Asset Richness (Net Worth): This is the total value of everything you own (real estate, businesses, stocks, vehicles) minus your liabilities. It represents what you are worth.
📌Liquidity: This is how quickly and easily you can convert an asset into actual cash without losing value. It represents what you can spend right now.

2●The Trap of Illiquidity:
📌People look at a large portfolio or a massive piece of real estate and assume the owner is wealthy and comfortable.
📌Forced Sales: If you are illiquid and need to pay a heavy fine, handle a medical emergency, or grab an unexpected investment opportunity, you might be forced to sell assets at a deep discount.
📌Transaction Friction: It takes time to sell a house or liquidate a private business. You cannot easily "break off" a piece of your real estate to buy basic household consumables.

3●Why It Matters:
📌Financial health requires a delicate balance between growth (assets) and flexibility (cash). Understanding this distinction helps you avoid a few mistakes.
📌Lack of an Emergency Fund: You should aim for 6 to 9 months of living expenses in an easily accessible savings or money market account.
📌Over-leveraging: Tying up all your cash into long-term investments means you cannot capitalize on new opportunities when they arise.

Conclusively, to ensure you never fall into the "asset-rich, cash-poor trap," you need to run your Personal Financial Audit (PFA) with me at the cost of ₦20,000.00 only per person and within 30mins, you are done and analysis delivered to you.

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Business Digest....your indispensable daily business companion.
__________________________________
Yours-In-Entrepreneurship
Dr. Emmanuel Idenyi Shaibu
animn, ace, f.hcd, f.dss, m.frcn, fimc, cmc, cms, FAiPA, DPA, FCCFI, FCALM-UK, CCFIP, CNA
The Millennium Entrepreneur!
MakingAMarkGlobally

25/05/2026

On BU$I₦£$$ DIG£$T this morning, May 25, 2026
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PEOPLE MISTAKE YOUR ASSET "RICHNESS" FOR LIQUIDITY 1.0

This is one of the reasons why black tax in our clime will not stop anytime soon.

Over the years in my journey in the finance studies, many people from family, friends to associates, profile you based on their own perception and place you at a level of what to expect from you.

This makes them place and make demands from you that you honestly cannot meet as at when they are asking.

Let's break it down:

¤Someone can own and live in a duplex and not have a liquid cash in the immediate.

¤Someone can be driving a porshe car around town and lack the necessary liquidity to meet some needs.

¤Someone can own a big plaza and tenants are owing rent.

¤Someone can have a 40-room capacity hotel and yet struggle to meet up 40% capacity occupancy which means, no serious liquidity to match expectations.

These are usually the case for many people and when you honestly tell them you don't have, first they don't believe you, secondly they say with all these things you own why don't you have ordinary 20k? If 20k is that ordinary, everyone should have it.

Don't fall for people's projections and perception of your liquidity worth and expectations. Learn to say NO and don't feel bad about it, you aren't responsible for how they think and their profiling of you.

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Business Digest....your indispensable daily business companion.
__________________________________
Yours-In-Entrepreneurship
Dr. Emmanuel Idenyi Shaibu
animn, ace, f.hcd, f.dss, m.frcn, fimc, cmc, cms, FAiPA, DPA, FCCFI, FCALM-UK, CCFIP, CNA
The Millennium Entrepreneur!
MakingAMarkGlobally

22/05/2026

On BU$I₦£$$ DIG£$T this morning, May 22, 2026
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IS YOUR BUSINESS A NOISE or A VOICE? 3.0

♣︎Have you fallen for the noise of a business before?

♣︎Have you ever mistaken noise for a voice?

♣︎Have you taken business and financial investments decisions based on noise instead of voice?

Some have fallen for noise and towed the path of a ponzi scheme or pyramid scheme.

Some even followed the noise and started a business and later closed it.

In every business and finance sector, there is the noise and there is the voice, just be sure what you are hearing and taking decisions based on, is a Voice and not Noise

QED! Happy Weekend‼️

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Business Digest....your indispensable daily business companion.
__________________________________
Yours-In-Entrepreneurship
Dr. Emmanuel Idenyi Shaibu
animn, ace, f.hcd, f.dss, m.frcn, fimc, cmc, cms, FAiPA, DPA, FCCFI, FCALM-UK, CCFIP, CNA
The Millennium Entrepreneur!
MakingAMarkGlobally

21/05/2026

On BU$I₦£$$ DIG£$T this morning, May 21, 2026
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IS YOUR BUSINESS A NOISE or A VOICE? 2.0

Making "noise" instead of being a "voice" is a choice between creating distractions and offering substance.

Is your business offering that substance❓

People make noise instead of being a voice because noise offers the comfort of easy attention without the vulnerability of substance. While noise seeks to distract, dominate, or fill a void, a true voice(value) requires courage, intention, and a willingness to be understood.

The distinction highlights exactly why so many businesses default to noise:

🧩Noise is Cheap; a Voice is Costly: Noise is a loud, reactive outburst meant to overwhelm. A voice requires careful thought, clear convictions, and the courage to take a stand no matter whose ox is gored.

🧩Noise Demands Attention; a Voice Earns Respect: People yell or "make noise" when they want people to look at them. A true voice aims to communicate an idea, deliver value, share a meaningful message, or create a genuine connection.

🧩Noise Seeks to Control; a Voice Seeks to Persuade: Often, those who make noise try to shout over others to "win" a moment. A voice respects the conversation and seeks to influence minds rather than force compliance.

Your business needs to shift from making noise to truly having a voice that requires moving past quick rhetorics to find what you genuinely consider as the value proposition of the business.

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Business Digest....your indispensable daily business companion.
__________________________________
Yours-In-Entrepreneurship
Dr. Emmanuel Idenyi Shaibu
animn, ace, f.hcd, f.dss, m.frcn, fimc, cmc, cms, FAiPA, DPA, FCCFI, FCALM-UK, CCFIP, CNA
The Millennium Entrepreneur!
MakingAMarkGlobally

20/05/2026

On BU$I₦£$$ DIG£$T this morning, May 20, 2026
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IS YOUR BUSINESS A NOISE or A VOICE? 1.0

The above question though rhetorical, is a deep reflective metaphor that many businesses are being faced with.

Normally, noise is louder than voice and of a simple truth, most MSMEs are making noise and not being a voice.

The lack of content in a container for instance, creates an echo that reverberates and this produces the noise that draws attention and then nothing valuable to keep that attention.

On the other hand, a voice is a force to reckon with, you may not notice it quickly, but you know it exists and when you draw closer, you are glued because you can't resist value being served and you are getting.

🧩Ask yourself, is your business a noise or a voice?

🧩Is that training a noise or a voice?

🧩Is that conference a noise or a voice?

🧩Is that your promotion a noise or a voice?

🧩Is that collaboration a noise or a voice?

Attimes, the noise draws attention, make sure when you catch the attention with the voice, make sure the value being served becomes the voice to retain the customers.

It's not the loudest that matters, it is the loudest that stays longer enough to be noticed.

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Business Digest....your indispensable daily business companion.
__________________________________
Yours-In-Entrepreneurship
Dr. Emmanuel Idenyi Shaibu
animn, ace, f.hcd, f.dss, m.frcn, fimc, cmc, cms, FAiPA, DPA, FCCFI, FCALM-UK, CCFIP, CNA
The Millennium Entrepreneur!
MakingAMarkGlobally

19/05/2026

On BU$I₦£$$ DIG£$T this morning, May 19, 2026
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ARE YOU ASSET RICH AND CASH POOR? 2.0

The need to strike a realistic balance between being Asset Rich and Cash Poor cannot be over-emphasised.

While being Asset Rich isn't bad, because that is the real value of networth, being liquid to run your life is golden. That is what keeps you going.

You need to prioritize the kind of assets and financial instruments to invest in and the ease of their convertiblity without losing the value and the return on investment.

You shouldn't be Asset Rich and be fantasising about networth, while picking your bills is herculean. That could be f00lishness.

The gap between high value and low cash flow happens for a few key reasons:

🎯Tied-Up Equity:
A large portion of wealth is often locked in the family home. You cannot easily spend a brick-and-mortar asset at the grocery store without selling the home or taking on new debt.

🎯Asset Allocation vs. Savings:
Many people aggressively invest their surplus cash into appreciating investments, leaving very little sitting in checking or savings accounts.

🎯Low-Yield Investments: Some assets, like undeveloped land or certain stock portfolios, have high paper values but generate little to no passive income (like rent or dividends).

🎯Over-Leveraging:
Individuals may purchase large or multiple properties while carrying heavy mortgages, meaning most of their income goes toward debt servicing rather than liquid cash.

Because, life is lived daily, you need to set a percentage of your earnings for investment and a certain percentage for liquidity and lifestyle.

Percentage does it for me and many others, since we don't earn same amount of money and quality of lifestyle differs.

Don't set your own percentage to mirror another person's lifestyle when you don't match the earning capacity of the person.

Many fail in this regard.

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Business Digest....your indispensable daily business companion.
__________________________________
Yours-In-Entrepreneurship
Dr. Emmanuel Idenyi Shaibu
animn, ace, f.hcd, f.dss, m.frcn, fimc, cmc, cms, FAiPA, DPA, FCCFI, FCALM-UK, CCFIP, CNA
The Millennium Entrepreneur!
MakingAMarkGlobally

18/05/2026

On BU$I₦£$$ DIG£$T this morning, May 18, 2026
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ARE YOU ASSET RICH AND CASH POOR? 1.0

Many are currently in this situation and are really finding it difficult to fund their normal daily lifestyle because liquidity has been tied up in some assets not easily convertible to cash.

It's a difficult conversation, but I am sure we should have it and share some perspectives to help ourselves.

To figure out if you are "asset rich and cash poor," check if your net worth is high but your available funds are low. You might have valuable properties or investments, but struggle to pay bills because those assets are illiquid.

What does this really mean? 🤔

🎯Asset Rich:
Your total net worth is high on paper because you own significant, valuable things (e.g., real estate, a business, land, or livestock).

🎯Cash Poor:
You lack ready cash to spend on day-to-day needs, emergencies, or business opportunities because your wealth is tied up and hard to quickly convert to money without taking a loss.

📍What is the best way to handle this?

📍How do you strike balance?

Follow for part 2 tomorrow.

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Business Digest....your indispensable daily business companion.
__________________________________
Yours-In-Entrepreneurship
Dr. Emmanuel Idenyi Shaibu
animn, ace, f.hcd, f.dss, m.frcn, fimc, cmc, cms, FAiPA, DPA, FCCFI, FCALM-UK, CCFIP, CNA
The Millennium Entrepreneur!
MakingAMarkGlobally

15/05/2026

On BU$I₦£$$ DIG£$T this morning, May 15, 2026
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WHY PEOPLE DON'T THINK BEFORE THEY INVEST? 5.0

HERD MENTALITY is one reason people don't think before they invest. People tend to jump on trends simply because "everyone else is doing it," which often leads to buying overvalued assets at the peak.

OVER-CONFIDENCE EFFECT
After one or two lucky trades or investments, people may feel invincible and assume they can predict markets without proper study.

INSTANT GRATIFICATION
Society is conditioned to want fast results. The patience required to build wealth slowly through diversified portfolios is much less appealing than a get-rich-quick scheme.

At what point did any of the above reasons made you "offed" your brain to invest in something or even envied a business and started it to break monopoly?

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Business Digest....your indispensable daily business companion.
__________________________________
Yours-In-Entrepreneurship
Dr. Emmanuel Idenyi Shaibu
animn, ace, f.hcd, f.dss, m.frcn, fimc, cmc, cms, FAiPA, DPA, FCCFI, FCALM-UK, CCFIP, CNA
The Millennium Entrepreneur!
MakingAMarkGlobally

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