₦airaland Forum

[b]UBA has two of similar products, Umobile and U-mo.

(A) Umobile is a UBA product for mobile banking. This in lay man's language is enabling your phone to have a link to your account such that you are able to transfer money to UBA accounts and other bank accounts, buy airtime, settle bills (PHCN prepaid and DSTV, etc), send cash to someone without an ATM card (cardlex transaction) and the person withdraws from the ATM without a card but with just a transaction PIN, etc, all from the comfort of any location one may be (even in bedroom). All transactions impact directly on the customer's account.

(B) U-mo is a UBA product for mobile money. This in lay man's language is enabling ones phone to run as a bank account, i.e. no bank account is required. The product is downloaded to ones phone and operated as a wallet/purse.
The customers can load/deposit cash and withdraw cash.
The cusomer/user can transfer money to another Umo users/bank accounts any where.
The customer/user receives transfer too from other Umo users.
The customer/user can settle every day payment and settlement of shopping on the spot.
The customer/user can pay bills such as DSTV, PHCN prepaid card.
The customer/user can top up airtime on any GSM service, i.e MTN, GLO, Airtel,etc.

Just as we have it in other countries where mobile money have been remarkably succesfull, cash load/deposit will be done via agents to be acredited by the bank, or via special top up service to be rendered at every corner of the street, or even via a bank teller. When it is fully operational and spread, there will be no need to resort to the bank teller.

Withdrawals will be done via agents, ATMs, and the bank teller. Bills and phone air time recharge will be done by users on the go.

Mobile money is like having virtually the full service of the bank in your mobile 24/7 without recourse to the bank. Your phone becomes your mini bank. You only go to the bank for full time transactions. When you have received so much deposits in the form of payments from your client into your Umo, all you need do is to transfer to your bank account anywhere and eliminate the risk of cash carrying and reduce the risk of high balance on your moble account.

This service is capable of drastically moving the customers from the banking hall to their personal banking services. Transactions and settlemnens are readylingly done.

I personally have both products (Umo and Umobile) and it is fun. [/b]

UBA has two of similar products, Umobile and U-mo.

(A) Umobile is a UBA product for mobile banking. This in lay man's language is enabling your phone to have a link to your account such that you are able to transfer money to UBA accounts and other bank accounts, buy airtime, settle bills (PHCN prepaid and DSTV, etc), send cash to someone without an ATM card (cardlex transaction) and the person withdraws from the ATM without a card but with just a transaction PIN, etc, all from the comfort of any location one may be (even in bedroom). All transactions impact directly on the customer's account.

(B) U-mo is a UBA product for mobile money. This in lay man's language is enabling ones phone to run as a bank account, i.e. no bank account is required. The product is downloaded to ones phone and operated as a wallet/purse.
The customers can load/deposit cash and withdraw cash.
The cusomer/user can transfer money to another Umo users/bank accounts any where.
The customer/user receives transfer too from other Umo users.
The customer/user can settle every day payment and settlement of shopping on the spot.
The customer/user can pay bills such as DSTV, PHCN prepaid card.
The customer/user can top up airtime on any GSM service, i.e MTN, GLO, Airtel,etc.

Just as we have it in other countries where mobile money have been remarkably succesfull, cash load/deposit will be done via agents to be acredited by the bank, or via special top up service to be rendered at every corner of the street, or even via a bank teller. When it is fully operational and spread, there will be no need to resort to the bank teller.

Withdrawals will be done via agents, ATMs, and the bank teller. Bills and phone air time recharge will be done by users on the go.

Mobile money is like having virtually the full service of the bank in your mobile 24/7 without recourse to the bank. Your phone becomes your mini bank. You only go to the bank for full time transactions. When you have received so much deposits in the form of payments from your client into your Umo, all you need do is to transfer to your bank account anywhere and eliminate the risk of cash carrying and reduce the risk of high balance on your moble account.

This service is capable of drastically moving the customers from the banking hall to their personal banking services. Transactions and settlemnens are readylingly done.

I personally have both products (Umo and Umobile) and it is fun.

Nigeria will not move forward like this when people see black and they call it white. Every banker can testify that these are genuine processed cheques. I can't say more than this.

The cheques are genuine but what payment they were made for is what nobody can testify. However, this can be verified by EFCC agents if they really will want to investigate and be transparent. The 2.4b naira cheque is obviously a transfer from the Govt account to another of their account in same bank. But the beneficiary name is very vague 'call account'?.

If the story is true, then the laundering was from the call account via several withdrawals. The investigation should be the withdrawals from the call account and the purpose for which such were made.

How did the cheque get out? May be an angry staff who still have conscience running in him leaked them, or a judge called for them. It is permissible to give such information to a court.

Well, generally more evidence should be released that these funds were actually for bribery and not for legitimate payments. The infomation available is incomplete to conclude that the money were used for bribery. But if actually the withdrawals from the call account are by cash, then it can be concluded that it was a deliberate laundering of the state fund for illegal payments./settlement. The staff of the branch of the bank surely know all the secretes.

Now we can see why the CBN governor Sanusi wants to peg cash limit at 150k and N1m for individual and coys respectively -to check money laddering. It is easier to trace money laundered via transfers than cash sharing, etc.

It is our collective responsibility as citizens of this country for fight corruption, to seek investigation, to encounrage transparency and make the country better for ourselves and our children. It is in our hands. Shahara reporters should not be condenmed, we should only encourage them to get more facts and evidence to support their claims.

God bless Nigeria.

A woman will make some really funny or ridiculous decision and nobody will be surprised! The rest people will just respond 'she is a woman, that's the way they are.'

I think that's is a plus for them.


Goldieluk is that your photo?

Poster. You want the woman to chase you? You have read from her body language that she likes you, and possibly wants you. Decide quickly if you want her. If you want her then tell her frimly and make her feel wanted and loved in return. This your sitting on the fence approach is creating confusion for you both and choking her. If you don't want her then change you body language and maintain a distance. That way you will be helping yourself and the lady too.

From what you said I think she likes you genuinely. She was getting tired of your indecison or non direct approach and she withdrew a little. If that was the case, it is normal that she makes more effort when you gained promotion. She probably feels you are hers and would not want to miss out on you. But she is the woman, hence, there is a limit she can push. The truth is that you dont sound crazy about this girl. You dont talk as if you have feelings for her. So why really choking her? It appears you will only be managing to date her, and that is risky because you will easily leave her when you find a girl you are crazy about from the onset.

If you doubt her genuiness, there are are ways you can test her intentions. But as I said you dont sound crazy about this girl. Make up your mind guy and good luck.

I can guess you led him on. Search your mind, you will see how you led him on. You should have cut him off totally at the beginning. Possibly, he would have channelled his energy elsewhere ever since.

[color=#990000][b]What do you gals mean by 'grow in love and stay afloat'? It has always been 'fall in love'. My people let's not try to redefine this.

When you fall in love it means you surrender yourself. You can be seen as the wrold strongest man or woman, world most evil or wicked man/woman, but you will be weak to the person you have falling for. It becomes all more beautiful when both have fallen for each other.

Grow in love sounds to me as entering into a relationship to see whether it will work or not. When it is not ok, you refuse to grow it, when it looks rosy you stay and saying you are growing and floating. What is floating? Something that is not steady that its movement depends on other factors arount it.

Lastly, to answer the question, it is very much possible to fallin love. Nowadays, most people kill the passion and chose comfort instead. That's the problem. The reason people are saying they have not find love, instead of them to say they have not find material comfort.

[b]What do you gals mean by 'grow in love and stay afloat'? It has always been 'fall in love'. My people let's not try to redefine this.

When you fall in love it means you surrender yourself. You can be seen as the wrold strongest man or woman, world most evil or wicked man/woman, but you will be weak to the person you have falling for. It becomes all more beautiful when both have fallen for each other.

Grow in love sounds to me as entrying into a relationship to see whether it will work or not. When it is not ok, you refuse to grow it, when it looks rosy you stay and saying you are growing and floating. What is floating? Something that is not steady that its movement depends on other factors arount it.

Lastly, to answer the question, it is very much possible to fallin love. Nowadays, most people kill the passion and chose comfort instead. That's the problem. The reason people are saying they have not find love, instead of them to say they have not find material comfort.[/b][color=#990000][/color]

,  Go therefore & make disciples of all nations by baptizing them in the name of the Father, and of the Son and of the Holy Spirit, behold I'll be with you till the end of time,  When I'll come again to judge d living & d dead.'' Jesus is God the Son & He reffered to God the Father most times as 'The One who sent Me.' They are One God & do not contradict one another. It is a mystery & our human brain is too limited to understand it. Just as we can sometimes wonder if God has a beginning. , Note that Jesus always told hìs apostles to be mute about his divinity because He wanted people to follow him by faith.

Jesus is God. ''I & the Father are One'',  ''Before Abraham, I was.'' .''In d beginning was the Word & and the Word was with God,& the Word was God. Nothing was made without him.'' Jesus will come again to judge the living & the dead. A man centainly cannot operate like that.

The quest for money is too much in d society, it is causing lots of chaos & disaster. The prosperity sermon here & there is a major contributing factor. Fake pastors, fake preachers. Murderers, ritualists, deceivers, false prophets calling themselves men of God. Refined evil magicians calling thenselves miracle workers. What gospel are they teaching? Nothing. Empty words without salvation message. In recent times pastors seem to be committing the worst evils.

[b]Yes united flopped and dissapointed many fans and even non Man U fans who wanted a great fight. However football can be like that. It just shows Man U the next level to go. Man U eliminated Barca in 2008 Semi finals enroute to winning the trophy. Football can shift from one great team to another. Man U haven played 3 champions league finals in 4 years is centainly one of the greatest teams (or the undisputed 2nd greatest team) in Europe in recent years.

There is no need for this comparison as to who played better. We know Barca has beaten Arsenal 4-0 before. We know Arsenal almost won with 10 men in 2006 finals. We know Arsenal also beat Barca this season but lost the return leg when Van Persie was controvercially sent off, though Arsenal were held in a quarter of their side of the pitch for most of the 90 mins in that 2nd leg. But we want Asenal to eliminate Barca next season. This is what matters. [/b]

Why are people writing as if Man U has never beaten Barca. Man U sent them parking in 2008 eroute to winning the title. The fact that Man U didnt get their acts right does not take the greatness off them.

Again, premiership is no way inferior to Laliga. Premiership is tougher and gets more teams into knockout stage year after year. Untill last year, Premieship teams have been having at least two teams in semi final of the champions league recently. Even, Arsenal defeated Barca at Emiartes this season.

Finally, Man U will always be respected and feared. Man U does not go down for too long. When this season started, if somebody had said Man U will be playing the finals of the UCL, semi of the FA cup & nine points clear as EPL winniers, over 95% of posters now,including Man U fans would have argued. True Man U did not give a derserving fight football followers would be proud of, but it only shows the coach, Ferguson as well as the players the journey ahead, the place to be. The stakes are high and trust Man U to live up to it soonest.

He might not be convinced becuase:

1. You are probably difficult for him to control.
2. You have not come down to his level.
3. You chow no concern about things that matter to him the most.

Listen to his complaints if any, and then see how you can effect corrections. But you dont have to put up characters that are not yours. Be your self still. Whetever you cannot do because of your persoanality or religion, just explain why and listen to his response. His responses in your conversation will also enable you read his kind of person and his overall intentions.

You must also openly tell him you love him. This is very key.  

Good luck.

Ref spoilt the match with sending off of Peter Crouch. Period!

Whatz ur phone number. Or send it to elampiro@yahoo.com

Most shocking news to Man U fans this year. Rooney will be greatly missed if he leaves, but I pray he doesnt because there will be no immediate replacement. His contribution is too immense.

Rooney is not overrated. He only played below his average at the world cup. The English team refused to click, all the players had a bad world cup. The weight of a disappointing world cup is what is affecting Rooney at the moment. He felt the team left England down & he sees himself as the principal culprit. Let's not forget he was magnificent in eoru 2004, neither did he played badly in world cup 2006 even though he was injured. Even at the moment he is not playing badly, but only playing below his par. Rooney will still end up as one of the best this season. His confidence will soon return, perhaps when he gets one or two solo effort goals.

To me, all the big stars went to the world cup escorting other players. It wasn't a world cup of the big stars. I attribute it to the 'Jabulani' ball that was difficult to control. The natural dribblers had a great time trying to hold the ball in the way they were used to. But the natural passers had a field day with it.

Billy Hobe, I did not quote any verse on rapture for you. I did not mention rapture in my write up.

As I said earlier, this apparition is not the second coming of Jesus. This is not the way Jesus will come. However, Jesus promised to be with His church till the end of time. That's why He mostly manifest as a sign of confirmation of Christian belief. Apparition of Jesus is traced back to early Christianity, if the heavenly intervention of conversion of Paul had happened today, people would attribute it to the devil.

The bible said there shall arise false prophets and false Christs. The bible is referring to physical human beings who will come towards end time to deceive people as we have it today in multiplicity of Churches, Synagogues, etc with ordinary men claiming to be prophets, miracle workers, etc, etc even though their source of power is from the devil. All sort of worship centres that have contradictory teaches and milking people of hard earn money. The passage in Mathew and Luke gospel that mentioned false prophets have nothing to do with images or signs of confirmation. It purely referred to human beings who will come and claim powers of Miracles.

If you want to know genuine teaches, listen to the messages preached by the pastors, priests, bishops, apostles or whatever the title is. Those who preach money, prosperity, miracles, powers are clearly in error. Those who preach repentance from sins- fornication, adultery, corruption, etc and also focus on salvation, making sacrifice for humanity are clearly on the narrow path. In book of Mathew,Jesus said ' Do not store up your treasure on earth where thieves can break in to steal,instead store spiritual wealth in heaven. For where your treasure is there also your heart will be'. 'You cannot worship God and money'. He told the rich young man to go and sell all his property and give the money to the poor (not pastors) then come and follow him, It will be easier for the head of a Camel to pass through head of a niddle than for a rich man to enter heaven. So why do people now think that those preaching prosperity are the true Christians? Please discern. So the Catholic church that existed 1500+ before any other Church is now the one in error. People MUST think.

Finally, the Catholic church teaches have been there right from the apostles. The tradition has been passed down via successors of Popes beginning from Peter the Rock whom Jesus built His church. The teaches of Catholic church has been there for over 2000 years. Why does the churches of yesterday now think they know better and pronouncing judgement on the Catholic church. Lord have mercy!

The word of God is a two headed sword, it takes some people close to God and others very far from God. Because of this apparition, thousands of people have repented and confessed their sins. Let those who want to believe believe, and those in doubt continue to doubt.

Billy Hobe, you need to update your self with the gospel- Mathew, Mark, Luke & John. Stop dwelling in the old testament. My write up is comprehensive enough with scriptural back up. You may also stop calling your dad 'father' since it is a title given to God. You may also not call the judge at the law court my lord. You really have made no logical point.

The Catholic church has history of apparitions of Jesus and Mary right from the early years, even before any Pentencostal or protestants came to be. Seers all over all ages have decribed or painted pictures of Jesus and Mary so that all of them have always look alike. Knowing how Jesus and Mary looks should not be an issue for a true Catholic.

The apparition of Jesus in St Paul Catholic church Benin (where I have been worshiping for years) is real. There is no question as to if Jesus appeared in Blessed Sacrament. No one who saw can make any dispute as to the authenticity of the apparition. The Catholic church as we know does not encourage or advistise miracles, instead it encourages her faithful to embrace salvation. However, as they say, light cannot be hidden. This is why people who came from far and wide after one, two three days of the apparition were still able to see when the apparition repeated Thursday and Friday last week.

The Catholic church believes that when consecrated, the bread and wine changes to the body and blood of Christ- this is the Holy Communion shared to the faithful who are in state of grace. Now we have a situation where Jesus has manifest Himself via the Blessed Sacrament i.e. the diplayed communion if am to use a lay man's language. To the Catholic, it is confitmation of Jesus presence in the consecrated bread and wine. Jesus said in the gospel of John that ''unless you eat My body and drink My blood you will not have life in you''.  Jesus also said ''He who eats My body and drink My blood will have everlasting life'' . In the last supper, Jesus blessed the bread and wine and said '' take it and eat for it is my body and blood'' and commanded His appostles to continue in memory of Him.

The blessed sacrament has always been there, it is displayed in all catholic churches world all over. The faithful go there to pray and people dont raise alarm. This time a few people saw, they raised alarm, then the crowd from far and wide gathered, the apparition repeated again and again for all to see. Now, not just catholic or a few people saw, but all present in each of the apparition. This is why this apparition is special.

This is not Jesus' second coming, it is just a sign and blessing to christians, to streghten and reconfirm our faith. I am not in position to speak on this but I heard it has already gotten attention of Vatican.

Emmmmmmmmmmmmm.There are many female students who made good grades without having to block or sleep with anyone from 100L to 400 or 500L.

This man was said to have been held hostage for 7 hours. These boys went too far. The girl was misguided by the boys.

I think.

Terry
Evra
Vidic.

One of the 1st two should be ok.

Both are great players. But I think Messi is surrounded by greater players when compared to Ronaldo, hence the other players have influence in his game. Ronaldo has proven in two separate clubs what he is capable of doing even with little help around him. If I were a soccer coach I will prefer Ronaldo in my team. He is sure a sure bet. Messi might not do well outside Barca. He might just flop like Chevcheko did in Chelsea. [/color][color=#990000][/color][color=#990000]

Ronaldo is irreplaceable. Nani will have to work very hard to get to even 80% of CR7 performance- pace, strength, accuracy in kicks, shots, headers, passes etc. In my eyes, Ronaldo's 41 yards goal against Porto is worth 80m pounds.

The best Man U can do is to strenghten the team. I don't mind if Tevez leaves. He doesn't blend well with the team though he has also provided magic moments. The greatest worry is the rumour that Vidic wants to go to Spain- Real or Barca because his wife is not enjoying life in England.

Man U should try and get Valencia and A. Young while at same time try to improve the performance of Nani and Tosin. Berbatov needs to step up his game. Finally I pray Owen Hargreaves comes back fully fit to support our midfield where we hope Carick, Flectcher and Anderson will grow in maturity.

I have not been to this site for about a week now. Having read everything, I agree that Man U made it too easy for Barca, even the goals particularly the second was too easy. Messi was totally left unchalleged. But this defeat of Man U doesn't mean that Barca is a greater teamthan Man U in contemporary football. This same Man U team defeated this same Barca team of same players last season in the semi finals. Barca actually deserve to win this season considering their overall performance. Their game plan in the final was marvelous and Man U only played for ten minutes, and after conceding a goal, the nervous moments rolled in.

That's football. Man United should go and fortify its midfield against next season. We lost the match in the midfield. We will need Hargreaves, Flectcher, and may be a new strong player to compliment Carick and Anderson in the future. I respect midfields of Barca and Liverpool where Xavi and Inieta, Mascherano and Xavi Alonso achor respectively for the two clubs.

But Man U for life. It is a team I have followed from early 90's from the time of Cantona, Becham, Cole and York. The team plays interesting football. Very exciting to watch and hardly disappoints. E no dey cause blood pressure to e followers. A team with good football players with a purpose and results. Old Tradford theatre of dreams and realities, home of trophies.

Let's now wait for the transfer market to see who and who will be leaving. I pray Ronaldo doesn't leave us because the boy is too good. Ronaldo and Rooney are our Best.

Man U 4 life. Let's see if Barca will get to next year's final. For Man U to have palyed two consecutive finals, men it shows it is the best in the world. It is not easy. Football at times can be funny. You guys should not forget mighty Argentina with some of world best players suffered 6-1 defeat recently in a world cup qualifier.

Man U for Life. I love Man U, I love Good football teams. Barca also play good football with a purpose.

Man U 4 life. Let's see if Barca eill get to next year's final. For Man U to have palyed two consecutive finals, men it shows it is the best in the world. It is not easy. Foot ball at times can be funny. You guys should not forget mighty argentina with some of world best players suffered 6-1 defeat recently in a worl cup qualifier.

Man U for Life. I love Man U, I love Good football teams. Barca also play good football with a purpose. [b][/b]