The Time is Now to Invest in Africa and African SMEs, Tony Elumelu Tells Global Investors in Paris

Tony O. Elumelu, Founder of the Tony Elumelu Foundation (TEF) and Chairman, United Bank for Africa (UBA) and Heirs Holdings opened the “Ambition Africa” conference organised by the France Invest Africa Club in Paris, France. 

As Elumelu delivered the opening address, he urged French investors to look to Africa for long term investment opportunities.

The French Minister of Economy and Finance, Bruno Le Maire, as he introduced Tony Elumelu to the audience stated that France could position itself and direct investment towards Africa to end the cycle of poverty and to accelerate development globally. He commended Elumelu’s stance on strengthening the SMEs in Africa to catalyse development. “We share the same ambition in Supporting African SMEs and entrepreneurs as this is essential for the economic development of Africa,” he said, referring to Elumelu’s passion to create wealth on the African continent. 

Reiterating the stance to partner with Africa on long-term investments, Mr. Le Maire said “We will ensure that investments in Africa are sustainable, exemplary and environmentally friendly. We want to go fast, go quickly in the race against poverty and renunciation, throughout the continent”.

Tony Elumelu on his part stated “We need to do much better and be much smarter in channelling funds to emerging markets. These markets present huge opportunities – as well as risks for investors, but investors need to fulfil a critical need to catalyse and improve the economy. We salute companies like Total, Bouygues, Accor, Orange, and Bolloré as well as others who have accepted this challenge, but there is room for many more” he said.

Elumelu stressed the importance of private equity inflow into Africa, with a focus on investing in small and medium scale businesses, the lifeblood of the African economy. He stated that Africa has the youngest workforce in the world, with over 60% of its population below the age of 25. This he said was a potential demographic doom that could be turned around to become the continent’s greatest asset if the youths have jobs and economic opportunities.

According to him: “Africans do not need aid. Rather, our young people need investments’. 

“Private equity is a force for positive development in Africa. We have a large youth population, who are eager and innovative. They are looking at solutions to problems in their communities but are hampered by the access to capital and investment, mentoring and training. When done right, this kind of investment can bring not just capital but can also strengthen job creation, corporate governance and help improve sustainable business practices”.

He cited the impact and growth rate of the beneficiaries of the Tony Elumelu Foundation as evidence of the potential of SMEs in Africa today. His Foundation has endowed $100 million dollars of his family wealth, to fund over 10000 African entrepreneurs in ten years. 

Mr. Elumelu commended The French President, Emmanuel Macron’s initiatives for strengthening the relationship between France and Africa and concluded by inviting investors to consider investing in Africa for the long term. 

“The key phrase here is long term investment – no one should come to Africa for short term gain. The time is now to invest in Africa. Private equity has to be part of it. We need it for all,” he concluded.

Tony O. Elumelu Visits Ghana

As conversations continue to ricochet across the African continent about building new, mutually beneficial and effective models of development, Tony O. Elumelu CON, Founder of the Tony Elumelu Foundation, joins Ghanaian President, H.E Nana Akufo Addo and other private and public sector leaders on the Presidential Dialogue themed, Africa’s Money for African Development – A Future Beyond Aid, in Ghana this Thursday, November 7, 2019. The event is jointly organized by the Ghanaian Presidency and UNDP.

Mr. Elumelu will speak on ways to leverage the African Continental Free Trade Agreement (AfCTA), and the opportunities emerging from the Fourth Industrial Revolution. He will also evaluate the prospect of increasing regional integration across the continent, as well as the potential of this to grow consumer and business spending while addressing human capital challenges on the continent.

The Inaugural President Dialogue will explore how Africa can optimize the use of its own resources, its creativity and innovation, to effectively self-finance its development and advance climate action, youth empowerment, women, trade and agribusiness, creativity and arts, and technology and innovation.

The event will host over 200 participants comprising of leading actors in business, culture, media, the arts, technology, innovation, traditional leaders as well as youth, women entrepreneurs, traders and environmentalists. It aims to support thought leadership about Africa’s development towards a self-sustaining future, raise visibility and create momentum about our vision for future prosperity, while fostering new partnerships and allies for the continent’s transformation agenda.

4 Steps to Boost Your Team’s Morale

A low level of morale for any business is a hindrance and should be tackled directly. If you’ve noticed a low level of morale within your team, that’s the first crucial step to improving the situation. Noticing and acknowledging the problem is better than failing to notice, and you can, therefore, now work to fix it. 

Low morale can manifest in many ways: 

  • Lack of energy within a team 
  • More complaints
  • Lack of productivity 
  • Negative body language 
  • Sudden shoddy workmanship
  • A lack of enthusiasm 

Does this sound familiar? If so, here are 4 steps to boost your team’s morale.

1. Take a Training Course 

The right managerial training course can help you to better lead and learn how to strengthen relationships between you and your team members. Creating a better bond can significantly improve the morale of your team, as well as creating a more coherent working atmosphere. Karrass training courses offer professional guidance with techniques that will work to form a better team environment.

2. Offer Positive Reinforcement

One of the biggest fixes for low esteem in employees is to make them feel appreciated and acknowledged. Low morale could stem simply from employees working hard for a long time without any recognition. 

Where it’s good to tell your team that they have done a good job, it shouldn’t be off-hand or a passing comment. Take the time to find out exactly what each team member is doing well, and call them up on it in a positive way. Tell them specifically what impresses you about them, and be sure to mention it in any employee evaluations. 

3. Give Your Team Something to Focus On

Motivation can drop hugely if team members are unclear about what they are working towards, or don’t have any clear goals in mind. Make sure that you set achievable goals, both for the business and personal goals for employees. 

You could even rebuild excitement levels by offering fun ways to achieve goals, perhaps through healthy workplace competition with a reward for a specific job or setting a fun task which employees will enjoy. 

You could even speak to employees individually to check with them whether there are any personal goals they are looking to achieve, and how you can help with that. 

4. Consider Personal Lives 

Happy employees need a good work-life balance. If your team is feeling under pressure and overworked, perhaps with long hours and a good deal of overtime, this may mean that their personal lives are suffering for it, and that can greatly impact their morale at work. 

Of course, it’s difficult to accommodate personal schedules if you have a set working habit you need to stick to for the sake of the business. However, take the time where possible to be more flexible. If employees need an hour out of the office for an appointment, try and accommodate it. Speak with them personally about flexible working hours if that is something your business can offer or even home-based remote working. 

Sometimes, just asking how you can make it better is a big boost to their satisfaction levels. 

Automation – An Activational Habit for Wealth by Peter Kwadwo Asare Nyarko

Working on my next book titled HABIT FOR WEALTH. The book, HABIT FOR WEALTH will propel you to create wealth and build lasting success, I expounded on habits and wisely elaborate on the concept of forming good habits and breaking bad ones. 

Habits are the small decisions you make and actions you perform every day. According to Duke University Researchers, habits account for 80% of our behaviours on any given day. 

This is to say; “your life today is essentially the sum total of your habits.” 

How in shape or out of shape you are – A result of your habits.

How happy or unhappy you are – A result of your habits.

How successful or unsuccessful you are – A result of your habits.

How rich or poor you are – A result of habits.

One of the things I spoke about in my book, HABIT FOR WEALTH is to AUTOMATE, which is the second alphabet in the word HABIT.

To automate means to operate by automation; to convert to largely automatic process, or to undergo automation.

Now let us define automation or automatic. Automation is the technology by which a process or procedure is performed with minimal human assistance.

Automatic is when something is done or occurring spontaneously, without conscious thought or attention. Automatic is instinctive, involuntary, unconscious, reflex, knee-jerk, reflexive, instinctual, subconscious, unconditioned, spontaneous, impulsive, unthinking, unintended, unbidden, unwitting, inadvertent, mechanical, gut, and habitual. 

To automate is when your mode of operation, in which a particular function is performed automatically rather than manually.

To create wealth and build lasting success, you need to automate. Most of your positive and wealth creation habits should be automatic. It should happen without “repetitive conscious thought”. It should be “consistently–habitual.”

You will agree with me that, to create and build lasting success, financial planning plays an important role. Moreover, finance is also a complex topic with numerous moving parts, and many aspects of it are best tackled with a professional by your side. However, there are also many simple but powerful things you can do yourself to improve your financial situation quite dramatically over time.

Our biggest enemy when it comes to creating and building wealth is often ourselves. Every day, we are faced with decisions on whether to spend or save; go out to the hot new expensive restaurant or stay in? Buy something when our favourite store emails us a 30% off coupon, or transfer some money to a savings account instead of leaving it in our bank (checking) account? While these seem like minor actions, these small choices accumulate and create our financial situation which prevents us from building lasting success.

It is easy to spend money these days – thanks to the internet. Retailers offer us endless ways to automate our purchasing. They show us products we have looked at, and they offer one-click purchasing and send emails reminding us that we have left something behind in a cart.

Fortunately, we can use that same powerful tool called automation to help ourselves. How do we do it?

Automate Savings

You can use automation to help you with what really is the most important part of planning for the future; consistently saving and investing. Putting money aside regularly, on a consistent schedule, is a requirement to building wealth.

“Mind your coin; you may never know when.” –Ernest Agyemang Yeboah

While it seems simple, doing it is much difficult than talking about it. There always seems to be a reason to start next month instead of this month. Or you just forget to put money away after paying bills. Or maybe you think that it is not a good time to invest, so you hold off on putting any money into savings at all. Whatever the reason, by not following through, you are shortchanging yourself.

This is where automation can be your financial saving grace. Find an amount you can commit to and have it automatically deducted from your bank account or directly from your paycheck. You won’t have to do it yourself, and it would require more action to reverse this automatic withdrawal than to just lrt it continues every week or month. Because it will be easier to just let it continue, you are likely to keep these contributions going. 

Don’t stop at just your retirement account. Most banks allow you to set up automatic transactions, so you can use this feature to save in your taxable accounts or for college or another purpose.

Automate investing

Saving is important, but investing is critical to building wealth. Most at times, people save with the intention to spend in the future, but people invest with the intention to earn in future.

How many wealthy people do you know who become wealthy by investing in savings accounts? Investing is a key habit of creating and building lasting success.

When investing, we are frequently tempted to time the market. You may think the market is too high, and decide to wait to buy anything, but find yourself waiting too long and missing out on further gains. Or if stocks fall into a longer bear market, where prices keep falling, you may stop buying altogether.

Unfortunately, it is easy to fall victim to natural human biases and emotions that make investing challenging for everyone. While some professionals can get an advantage with studying market behaviour, even most experts can’t do more than match the market.

Don’t try to time the market. Instead, commit to investing the same amount consistently, month in and month out. This way you are automatically buying more when the market is low and buying less when the market is high.

Cost averaging is a simple strategy and a great way to build wealth without stress. While it is not perfect, it takes your biases and emotions out of the equation. You can usually automate that entire process in your retirement account.

Automate bill paying

Another aspect of building wealth is not incurring wasteful fees. Here you can use automated bill pay features for your credit cards and other payments, or use the bank bill pay feature, mobile money pay feature to make sure your utility bills, water bills, or other payment are never late.

You will also free up your own time each month, since paying your bills will be automated.

Finally, remove automation from spending. When improving our finances, a key is to buy what we need and not what we simply want. After all, most of us already have far too many shirts, shoes, and suits in our closet that we rarely wear but that we really wanted when we bought them. With online shopping it can be especially difficult to avoid impulse purchases.

Here again, automation can help us. We just need to do the opposite of what all the retailer want us to do;

  • Unsubscribe from all retailer mailing lists so you aren’t notified of sales or special offers. Out of sight, out of mind.
  • If you use Amazon or similar online shopping platform, be sure to turn “one-click ordering” off. This feature just makes impulse buying too easy. It is designed that way.
  • Do not save any credit card information online any websites. If you have already done this, remove those cards from those sites. This way, you will have to manually type in your card information every time you make a purchase, which should give you the opportunity to rethink whether it is a purchase you really want to make.

Written by Peter Kwadwo Asare Nyarko| Financial Literacy Advocate| Financial Educator | Author


Check out; Center for Financial Literacy Education


Organization: Center for Financial Literacy Education, Africa

For speaking, mentoring, coaching, consulting and training engages; contact Peter via

Phone: +233(0)278553887


Skype: Peter Kwadwo Asare Nyarko

LinkedIn: Peter Kwadwo Asare Nyarko

You can also Google Peter Kwadwo Asare Nyarko for links to his various social media handles and works.

Living a FRUGAL Lifestyle defines the word frugal as: “Economical in use or expenditure; prudent saving or sparing; not wasteful; entailing little expense; requiring few resources.”

In short, it basically means that you live a life well within your means.
Those who built their wealth over an extended period of time, are often not big spenders but rather tend to live their life frugally. 
Living frugally involves specific ways of thinking and some simple yet effective action.

Below are some characteristics you would identify with a frugal personality.

  • A frugal personality always negotiates better prices.
  • A frugal personality always focuses on their net worth.
  • A frugal personality creates a budget plan and sticks to it.
  • A frugal personality does not buy designer made clothing.
  • A frugal personality makes purchases using cash.
  • A frugal personality buys in bulk wherever possible in order to save as much money as possible.
  • A frugal personality does not purchase a brand new car.
  • Finally, a frugal personality marries a frugal spouse who is responsible, loving, supportive, capable and honest.

You must, therefore, look for as many ways to save, to re-use things, to do more with less, to avoid following the lavish expenses of your neighbours and friends, and to get the most out of every money that you earn. 
Living sparingly or frugally, and investing wisely is the key to a frugal mindset and way of life.

Live a Fulfilling Frugal Lifestyle

Here are a few more suggestions for living a frugal lifestyle that will at the same time assist you with reducing your levels of debt.

Create a Weekly Budget

Create a weekly budget and stick to it rain, hail or shine.

Become a Savvy Shopper

Become a savvy shopper who makes purchases based on price rather than on brand perception. Look for specials and negotiate better prices at every opportunity you get.

Once you have completed your discount shopping adventure, simply return home and spend some pleasurable time in the kitchen churning out a sumptuous home-cooked meal that will whet the appetite.

By cooking and eating from home you will effectively save at least half the money you would normally spend on eating out.

Make Purchases with Cash

Make purchases only using either a debit card or with pure hard cash. Get into the habit of keeping cash in your wallet and using only this money to make your purchases. By spending only what you have and nothing more, you will set yourself on track towards ridding yourself of your debt.

Eliminate Unnecessary Expenses
Eliminate all unnecessary expenses from your life. Unnecessary expenses simply don’t fall under the category of needs. Ask yourself before you purchase something:

Is this something that I need?

Or is it something that I just want and can do without?
By being careful with what you spend your money on, and by following these simple guidelines, you will have more money at the end of the month left over to pay off the repayments owing on your credit cards and other liabilities and also invest towards the future.

Find Ways to Earn More -Simple, yet effective.

There are always opportunities out there to make a little extra money that can go into paying off your debts. Look for these opportunities, however, be very careful not to dip your feet into get rich quick schemes that ask you for a financial investment with a little time and effort.

If you are neck high in debt it is probably easier to look for a stable source of income that can guarantee you the highest possible hourly wage. Keep your eyes open and always add more value to what you do. In this way, people will credit you for your work and as a result, you may end up earning more in less time.

Peter Kwadwo Asare Nyarko

Financial Literacy Advocate | Financial Educator | Author


Check out; Center for Financial Literacy Education

Contact Peter for speaking, coaching, mentoring and consulting engagements.



Hiring a Digital Marketing Agency vs. DIY

Marketing is essential for the success of every business, big or small. With digital marketing, businesses are able to engage with potentials online and convert them to customers or clients. As a business owner, you have two options when it comes to digital marketing. One, you can do it yourself. Two, you can hire someone to do it for you. So, which one should you choose? This article highlights some key considerations when choosing between digital marketing agencies and DIY.  


Digital marketing covers so much, including social media, website, SEO, online reviews, content, email and paid advertising. For you to excel in any of these areas, you will require some knowledge and expertise. For every marketing channel you use, you should know the best practices and mistakes to avoid. Knowledge of how to measure the results is also essential. Thus, when it comes to expertise, you can either invest your time in learning or you hire someone who is already an expert. To minimize costs, you can focus on one area you know well or can learn and outsource the rest. 


The next consideration is time. How much time do you have in your hands to focus on marketing? Planning and implementing a campaign takes time, so if you are considering DIY, make sure you have some hours to spare each day. Also, when considering time, check how working on the marketing by yourself will affect your key business operations. Cutting down some business hours to focus on marketing may not be a very good idea. When you choose to handle it all, you may end up losing the clients or customers you already have. For instance, if you have a law firm, instead of limiting the number of clients you take each day, you could look into marketing services such as Just Legal Marketing so that you work all day long. 

If you are doing DIY, ensure you have a good balance. For those who are busy throughout the day, working with an expert can be the better option. You can hire an agency to focus on your marketing as you deal with your core business. 


Finally, take a look at your budget. Start-ups on a tight budget can begin with DIY and hire an expert down the line. However, since expertise affects the outcome of the marketing, you may want to hire an expert for your new business for best results. Furthermore, when you spend money on marketing, you will benefit by gaining more customers and sales. 

If you decide to go with a digital marketing agency, do your homework well before hiring. Ensure the company you are choosing has a know-how of your industry. Any agency can handle your marketing, but working with someone who is familiar with your industry is preferable. Next, check the areas of expertise, the costs and your marketing budget. Some agencies will charge you per hour and others per job. Most importantly, go for an agency with a good reputation. Look for online reviews before hiring an agency. 

A Poverty Stricken Mindset

As a financial educator and an advocate for sound financial decisions and habits, I have come to realise that most people are suffering from what I called poverty-stricken mindset.

Those who are stuck in a poverty-stricken mindset don’t realize or understand the impact that their daily habits are having on their ongoing financial burdens.

So today I want to expound on the habits of poverty stricken-mindset. 
If you catch yourself absorbed in any of the following habits, then immediately break yourself away, change your actions, thinking, emotions and look towards cultivating the wealth attraction mindset, characteristics, beliefs and habits (I will discuss with you on a later day).


1. Easily Influenced by Others

If you are easily influenced by others, while continuing to hang around other people who constantly complain about their financial problems, then your financial journey is over up until the moment you make a decision to remove yourself from their presence. You have no chance of reaching a point of financial success in your life because others will just hold you down to their levels of thinking.

Be aware of this and remove yourself from these people immediately. Move away to another city, state or country if you have to. Just move away and get yourself out of their circle of influence.

2. Focusing on What You Don’t Want

A poverty-stricken mindset focuses on the things that it doesn’t want. Is it really surprising that these types of people end up getting what they focus on?
Energy flows where focus is. Today, start focusing on things you want in your life and trust me, you will have them just like Rudolph Mensah, Author of Becoming Your Dream would put it, ” if not immediately, definitely.”

3. Seeking Instant Gratification

A poverty-stricken mindset seeks instant gratification at every opportunity. They seek those little short cuts of pleasure to avoid immediate pain. On the other hand, a wealthy mindset focuses on long-term pleasure and they learn to manage short-term pain. Get rid of short term pleasure, get rid of short cuts. Go through the process. 

4. Making Constant Excuses

You will find a poverty-stricken person always making excuses for their predicament, circumstances, and position in life. Let go of the excuses once and for all. You are where you are, so live with that but decide to move forward in a better direction that will lead you to financial success.
If you really think about it, no one really cares about excuses, they are simply a way to draw sympathy from others.

And if you have a habit of being around other like-minded people, then there is no doubt, they will give you all the sympathy they can muster in order to keep you feeling sorry for yourself for as long as possible.

5. Constantly Worried About Losing Money

People with a poverty-stricken mindset always worry about losing money and their possessions. It is, of course, understandable that if you don’t have a lot that you will more likely worry about losing it. However, this is exactly what keeps people within their current life predicament, and is a pivotal reason why they will never achieve financial abundance.

6. Not Being Realistic About Money

A person with a poverty-stricken mindset is often not very realistic about their money. They tend to dream a little too much and don’t back-up those dreams with the necessary actions that will make their dreams come to fruition in the real world.

7. Not Making Money Important

A person with a poverty-stricken mindset simply does not make earning money a high enough priority. Yes they want money, and they want to earn it as quickly as possible, however when it comes to the amount of time, effort and energy they put into making the necessary steps and actions towards earning this money, it simply pails in comparison. There is, after all, a big difference between just wanting something and doing whatever it takes to bring those wants to fruition.

Share this piece with someone.
-Peter Kwadwo Asare

Peter Kwadwo Asare Nyarko

Financial Literacy Advocate | Financial Educator | Author


Check out; Center for Financial Literacy Education

Contact Peter for speaking, coaching, mentoring and consulting engagements.



EVENT ALERT: MAN1 – An 18+ Comedy show by YEP Productions

When a man with a Gold turban comes knocking on your door, know that money has come to pay a visit. You either welcome it well to stay or you make it go. Which one are you choosing?

MAN1 is an 18+ comedy which was performed by YEP Productions from 15th February to 17th February 2019 on the University of Ghana Campus.

The Venue was fully packed with a lively audience and laughter from the beginning to the end of the show.

This show became the topic of discussion among any group of students who had watched it or heard of it.

YEP will stage this play again at the National Theatre of Ghana during the Theatre festival celebrations this September.

Cast includes Abraham McPratt Dadzie, Ebow Barton Odro, Dede Djamaki, Napoleon Mensah and many others who are all renowned stage personalities.

YEP Productions has staged productions such as Moonshine Solidarity, Red Hot Mamas, Sex Strike, The Begotten and Man Talk Woman Talk, Chamber and Hall, MAN1 to its Credit.

This is a must-watch production set for the 29th of September 2019 at 4pm.

The show runs only once at the said time and tickets for the show are priced at 50cedis single, 80cedis double and 20 cedis for students with Valid ID cards. If you have not watched any play from YEP, this is the time to come and experience our world of theatrical excellence.


DATE: 29TH September 2019
VENUE: National Theatre of Ghana
CONTACT: 0264457928

Infinix Hot 8 (2019): Full Phone Specifications, Features, Price and more

Infinix Mobile has unveiled the Infinix Hot 8 into the Ghanaian market in a grand ceremony which took place on Friday 20th September at the Legon city mall in Accra

The event saw the brand ambassador Shatta Wale put up an electrifying performance alongside other invited acts

Infinix Brand Ambassador – Shatta Wale at the launch of the HOT 8

Touching on the device itself and features, this is sure to be a smartphone push Infinix lovers and budget phone lovers to rush over it.

Powered by Android 9 with 4 GB RAM, with 5000mAh battery capacity, and 32GB of internal storage. And it comes with a triple camera setup at the back. It is also a dual SIM device.

Infinix Hot 8 (2019)

Not forgetting, the phone actually comes in two models: Hot 8 which is 4G enables and the Hot 8 Lite which is 3G. Let’s dive into the Infinix Hot 8’s specification to know more about the device.

Infinix Hot 8 features


The Infinix Hot 8 features a sleek look and the round edges. It is coming in 4 colour options: Cosmic Purple, Midnight Black, Quetzal Cyan, and Shark Grey. The SIM & memory card slot is on the left, with space for two SIMs and micro SD card.

Infinix Hot 8


On the Infinix Hot 8, we have a 6.5-inch sized display screen. The resolution of the Hot 8 is pegged at 720 x 1600 pixels with 20:9 aspect ratio. The phone has a screen-to-body ratio of over 80 percent. Screen type is IPS LCD capacitive touchscreen.

Processor and Software

This Infinix device is rocking the MediaTek Helio A22 chipset. The Quad-core Cortex-A53 processor is clocking up to a speed of 2.0 GHz.  The second model houses a Mediatek MT6762 Helio P22 chipset with an Octa-core 1.8 GHz Cortex-A53 CPU.

Looking at the software side, we see the Infinix Hot 8 running on Android 9 (Pie). It is coupled with Inifinix’ in-house XOS 5.0 UI.


On the storage side, the Infinix Hot 8 features a base capacity of 32GB.  The company decided to go with a 2GB RAM for the Hot 8. You can upgrade the size to 256GB via a microSD card.


The Infinix Hot 8 features a non-removable Li-Ion battery. The battery is a plus point of this phone. The battery has a capacity of 5000 mAh. Standby time is not known right now.

Obviously, this battery can make the phone last through 24 hours and probably even more. As with recent Infinix devices, the charging does not consume too much time. So there’s no need for long hours to charge this phone.


The Hot 8 comes with 3 cameras at the back. They include a 13 MP wide camera, and a 2 MP for depth of field sensing. The third lens is a low light sensor, meaning, photos in darker environments are going to be lit up.

The 13 MP lens, being the primary of the 3 at the back, comes with f/1.8 aperture and phase detection autofocus (PDAF). The triple camera setup offers features like bokeh (portrait), panorama, beauty mode, and more.

Selfie camera

The selfie camera on the Hot 8 is 8 MP, with a focus of f/2.0. It is a wide-angle camera. You also get a LED flash on the front to help you take good photos in dark environments.


The Infinix Hot 8 has a fingerprint scanner, which is mounted on its back. Also, there is an accelerometer, a compass, and a proximity sensor.

Full Specification of the Infinix Hot 8

FeatureInfinix Note 6
Dimensions6.50 x 3.00 x 0.34 in
Weight 179 g
Display size6.52 inches, 102.6 cm2 (~81.5% screen-to-body ratio)
Display type IPS LCD capacitive touchscreen
Display resolution1600 x 720 pixels; 20:9 aspect ratio
Internal Storage Capacity32GB & 64GB internal storage
Storage ExpandableYes; via a dedicated microSD card up to 256GB
Operating SystemAndroid 9.0 (Pie); XOS 5.0
Processor (Chipset)Mediatek MT6761 Helio A22 (12 nm) – 32/2 GB
Mediatek MT6762 Helio P22 (12 nm) – 64/4 GB
CPUQuad-core 2.0 GHz Cortex-A53
Octa-core 1.8 GHz Cortex-A53
GPUPowerVR GE8320
Rear Camera13 MP, f/1.8, 26mm (wide), 1/3.1″, 1.12µm, PDAF
2 MP, depth sensor
QVGA (Low light sensor)
Rear camera featuresBokeh (portrait), Panorama, Beauty mode
Front Camera8 MP, f/2.0, 25mm (wide)
SecurityFingerprint Scanner (Rear-mounted)
Battery typeNon-removable Li-Po battery
Battery capacity5000 mAh
FingerprintYes, rear-mounted
Headphone jackYes, 3.5mm jack
NetworkSupports GSM, 3G & 4G networks
OthersBluetooth; Wi-Fi; FM Radio; GPS;

Infinix Hot 8 Price and Availability in Ghana

Infinix Hot 8 and Hot 8 Lite has officially been launched in Ghana.

Infinix Hot 8 (4G)

The Hot 8 is selling at GHS 569.

Infinix Hot 8 Lite  (3G)

Both models come with 2GB+32GB (RAM+ROM).

The Hot 8 Lite is going for GHS 499.

You can get these phones from any Infinix Mobile Ghana accredited dealer nationwide.


8 Sure Strategies To Help Avoid Falling into the Instant Gratification Trap

Today article ends my thoughts on instant and delay gratification. I have taken my time in previous writings to expound on instant gratification, delay gratification and what you need to know about them.

Today, I present the 8 sure strategies to help you avoid falling into instant gratification trap.  Staying away from the instant gratification trap is a long-term process that needs constant consideration. 

The moment you let your guard down is the moment it will creep up on you. Then before you even realize it, you’ve been sucked in by temptations.
There are, however, things you can do each day that will help you to ward off this nasty habit.

1. Stop Thinking About Short-term Pleasures

This sounds simple on the surface. However, it can be quite tricky if you are surrounded by temptation.If this is true in your situation, then you must immediately transform your environment and hide or — better yet — remove the temptations altogether.

The more difficult you make accessing and indulging in temptations, the more likely you are to stay focused and on-task when problems inevitably arise.

2. Quit Justifying Your Actions

Are you making excuses and justifying your actions? There is never really a good excuse for indulging in temptations that distract you from your problems. The excuses you make are only lies you have created to make yourself feel better.

If you find that you are making endless excuses for why it’s okay to indulge in these temporary pleasures, then it’s strongly recommended that you adopt a different perspective.

Have a chat with a friend, colleague or family member and get their feedback on the situation. Hopefully, one of these people will put your excuses to shame.

3. Keep Yourself Accountable

It’s important that you always keep yourself accountable for your decisions and actions. Never deny the fact that you fell into the instant gratification trap. Acknowledge the fact that it happened, accept responsibility, and hold yourself accountable for your actions. Then right your wrongs and get yourself back on track.

You might, of course, want to ask someone else to become your accountability partner. However, they will most likely not be there by your side for 24 hours per day. And if they’re not there, then who will be accountable for your decisions and actions? You will, of course. You must take responsibility. Others can help you, but ultimately the buck stops with you.

4. Learn to Manage Self-Control

Your most significant victory over instant gratification could very well come down to how well you’re able to master self-control. You could, of course, hide all your temptations. However, to truly master self-control, all your temptations should effectively be at arm’s reach.

When things are at arm’s reach and yet, you resist these temptations time, and again, that is when you will know you have mastered self-control. Resistance, might, of course, be difficult at first.

However, over time your self-control will strengthen like a muscle. The more you use it, and the more often you resist those instant pleasures and stay focused on what’s most important, then the more control you have over yourself, over your life, and over your destiny.

5. Develop Long-Lasting Motivation

Your level of motivation is likely to dip up and down over a period of time. This is okay. It’s natural for your short-term motivation to waver as events and circumstances (some of which will be beyond your control) influence your emotional state of mind.

Don’t concern yourself too much about short-term motivation. What you should focus on instead is developing long-term motivation. Long-term motivation comes from your vision. It’s the picture you have of the future life you would like to build. Keep this in mind to help you stay focused and motivated along your journey.

You can, of course, create short-term motivation by challenging yourself. For instance, give yourself time limits for completing a task. Or turn a tedious task into a game. In fact, why not treat life as a game?

These kinds of short-term motivation strategies will help you to stay focused and on track each day. However, without the bigger picture, your short-term motivation will waver as you will have very little to look forward to down the track.

6. Create Visual Reminders of Your Goals

One of the best ways to maintain long-term motivation is to display visual reminders of your goals and priorities. This could come in the form of a vision board or in the form of a collage that represents your goals. Or it could just be photos of what you would like to achieve at some point in the future.

These visual reminders come in handy whenever you’re tempted to indulge in temptations. During such moments, take time to reflect on the visual reminders of your goals.

7. Invest in Future Gains

One of the best ways to avoid getting caught up in the instant gratification trap is to invest your time, effort, and energy into future gains. This essentially means pursuing long-term pleasures, benefits, and rewards.

For example, consider for a moment what you’re likely to gain in the long-term from every action you take. Yes, of course, the current task you’re working on might seem somewhat tedious and boring.

However, it’s one part of the bigger picture that will, therefore, lead to some significant future gains. Always remind yourself of what you are gaining long-term from every task you perform. This by itself could trigger the motivation you need to help you move forward in optimal ways.

8. Prepare for Short-term Pain

The reality of life is that we very rarely get something for nothing. This is very true when it comes to the attainment of our goals and objectives. You are going to undoubtedly need to get through a lot of short-term pain and discomfort to achieve your desired long-term outcomes. At times, this pain might not even be short-term.

You might, in fact, need to make severe sacrifices and go through some unimaginable struggles along the way. It’s during these times when the instant gratification trap will come into play. And it’s during these moments that you must resist the temptation to succumb to your urges.

Before I end my thoughts on instant gratification and delay gratification, I have a question for you.

*Do you believe that your life and long-term goals are more important than the momentary temptations that are thrown your way?*
If you honestly believe this, then you will have no troubles developing the habit of delayed gratification.

However, if you don’t quite believe this, then you will continue to experience fleeting moments of pleasure. 

But unfortunately, in the end, you will not be satisfied. You will not be happy, and you will probably not be fulfilled. 

At the end of your life you’ll have nothing more but a fading memory full of regrets and unfulfilled expectations.

Is this really the kind of life you want? Or do you want something better?

Peter Kwadwo Asare Nyarko

Financial Literacy Advocate | Financial Educator | Author


Check out; Center for Financial Literacy Education

Contact Peter for speaking, coaching, mentoring and consulting engagements.