Kunle Obebe

Regulatory Compliance Attorney, Partner at Bloomfield LP, Jesus lover and Grace personified.

[Kunle Obebe @kunleobebe]

@canadavisa_com Patience is an understatement.

[Dr. Ayodele Oni @ayodelegoni]

Oil, Gas, Power, Renewables, Power, Due Diligence, FID, Investments, Opportunities, Solutions to Power Sector Problems- The "Olu Omo" Principle, Energy Transition, Negotiation Strategies!

[Dr. Ayodele Oni @ayodelegoni]

PETROLEUM INDUSTRY ACT- PETROLEUM TRANSACTIONS & GAS MARKET- TRANSACTIONAL, INFORMATIVE, PRACTICAL. PRE-ORDER @ A DISCOUNT

[Kalu Aja @FinPlanKaluAja1]

Credit Cards are a necessary evil, Learn how to use them;

1. Get one card, max two cards (not 6)
Make sure credit card is reward or points cards, and tie rewards to your lifestyle. If you like to travel, get a travel points card. You spend, you get points which add up to buy a ticket.

2. Use your credit cards frequently, stop paying cash or debit cards. Use a credit card, then immediately pay off the card; carry no balance. Pay down the card in full.

If you must carry a balance, then no more than 30%. So if the card has a limit of $1,000 do not carry over to next month a balance higher than $300. Irrespective of the APR (interest rate) you are quoted, if you pay down your card every month, you pay no interest on the card

3. Never miss a payment. Set up auto-pay to pay the minimum on the card which is about 2.5% of the balance on the card. Being late kills your credit score and you pay late fees.

4. When travelling, use credit not debit cards. if a debit card is compromised, the bank will shut down the debit card. However, credit card companies can dispute transactions and not shut the card down.

5. In the West, the most important number is your FICO score aka credit score. Your minimum goal should be a 700 number. The higher your FICO, lower your APR I.e. interest rate you pay to lender.

6. Don’t close your older card. keep zero balance, but every month but coffee or gas, keep it warm.

7. Stop applying for new loans. The more a lender pulls your credit, the credit company will “ding” your score and it fall marginally. e.g. you go to the store, they tell you if you apply for a store card you get a discount on a purchase, politely decline, unless that’s your first card.

8. Avoid if possible card Annual Fees
If you suspect fraud, report immediately, many vendors set a time limit for claims, usually 60 days

9. Ultimate hack? If your teenager is 18, add him to your credit card, DO NOT GIVE TEENAGER THE CARD, your teenager will start building his credit piggybacking off you.

10. Credit Reports are free once a year in the US. There are 4 credit card companies in the US, get your free report quarterly and review it. Not your credit card statement but the credit statement that contains your inquiries and payment history on all credit and loans you have

Hope this helps

Do get my book on financial planning titled "Let's Talk About Your Money" it's on Amazon.

[Bloomfield LP @Bloomfield_LP]

Three more days to the first of our webinar series. Have you registered?

Date: 2nd November 2023
Time: 1:00 pm (WAT)

The registration link is https://t.co/pcYlEj19on

[Bloomfield LP @Bloomfield_LP]

Our Immigration and Employment practice group will be hosting a webinar series titled “visa refusal phobia”.

Date: 2nd November 2023
Time: 1:00 pm (WAT)

The registration link is https://t.co/pcYlEj19on

[Bloomfield LP @Bloomfield_LP]

Happy Independence Day Nigeria! Our beauty and strength lies in our diversity and resilience as a people. God bless the Federal Republic of Nigeria! #Nigeria #NigeriaIndependence #NigeriaAt63

[Bloomfield LP @Bloomfield_LP]

We felicitate with our Muslim clients, friends and wish everyone a wonderful Eid ul Maulud. May Allah continue to bring us joy, happiness, peace and prosperity. #MaulidNabi

[Bloomfield LP @Bloomfield_LP]

Our Partner Adedoyin Afun is speaking on the panel at the upcoming 5th IBIA Africa Bunker and Shipping Conference that will take place in Accra, Ghana from 5 - 7 September 2023.

#shipping #Nigeria #law

[Kunle Obebe @kunleobebe]

@WTBClowes It was a pleasure having you in Nigeria. @Bloomfield_LP was proud to serve

[NERC Nigeria @NERCNG]

"Everyone has a role to play, enlightenment and education are key for States to understand how to move forward on the (electricity) Act."

-Ayodele Oni, speaking on the panel during the NERC Workshop on the Constitutional Amendment and Electricity Act 2023.

[Kunle Obebe @kunleobebe]

@NaijaFlyingDr …you think like a man. (Please pardon the unsexist pun 🙂)

[POJU OYEMADE @pastorpoju]

Until one realises the way you treat people is as much an act of worship to God as the songs of worship you sing to God, things won't sit right even though you seem to be devoted to God.

[Kunle Obebe @kunleobebe]

@MTNNG @MTNNG Good day, does the 5G work in Ekiti state?

[Bloomfield LP @Bloomfield_LP]

May Allah fill our life with happiness, our hearts with love, our souls with spirituality and our minds with insight. We wish our Muslim faithfuls, a wonderful Eid Al-Adha Mubarak. #EidMubarak

[Kunle Obebe @kunleobebe]

@DrJoeAbah Some rice dey run belle o! Except he scores 50+ goals a season, Arsenal would end up paying England player tax!

[Daystar Christian Centre @DaystarNG]

Being a Christian is more than just attending church.

It’s about embodying Christ’s teachings every day, extending love, compassion, and forgiveness to others, and living a life of faith in action.

.
#DaystarNG
#TheUltimateResurrection

[POJU OYEMADE @pastorpoju]

Many fail not because of a lack of ideas but the lack of courage and discipline to follow through on what they know. This is why God told Joshua, be strong and courageous, don't turn to the left or right. Meditate day and night that thou may observe to do all that is written. It will however take courage to do the things you know within to be right and appropriate.

[Bloomfield LP @Bloomfield_LP]

Happy Father's day!

[Bloomfield LP @Bloomfield_LP]

Today, we celebrate the labour of our heroes past, the beauty and strength in our diversity and the hope of a better tomorrow for our children. Happy Democracy Day! #DemocracyDay