Often times people fall victim of scammers, car selling scams without doubt is one of the saddest things to happen to a car buyer especially when his short-changed by a car seller. Even worse, is the possibility of losing the entire fund to scammers who specialise in outsmarting naive car buyers. The Nigerian online car-selling space can be a safe space if you make use of tried, tested and trustworthy platforms. like to buy your car.
In this article I will share the top 5 scam to watch out for in car dealership gathered from expert car dealers
Below are their views:
1.BE SUSPICIOUS OF EXTREMELY GOOD DEALS

It is understandable that you will like to get your next car at the best possible price.  Everyone will like to get the same too. An easy way out of this is to use the Cheki True Price tool. It helps you find out the real value of any car you are interested in buying.

The moment a seller realises you do not know the actual value of a car, it is something they will most likely exploit, especially when dealing with naïve buyers. When searching for a car to buy, as much as you are looking for the best prices out there, beware of offers that appear too good to be true.
For example, say Mr A want to sell a used 2018 Lexus saloon for N700k when you know that the price Worth's million. In this case consider the offer as a red and run for you are about to be scammed

Also, be wary of any seller who’s willing to offer a cheap price while creating a weird feeling of urgency around the car. Car sellers who try to force buyers into making a hasty decision within a short time are not to be trusted.

Some scammers are known to have been able to carry out their nefarious activities by pressuring buyers to contact a third person because they (the seller) are not in the country. Avoid third person transactions as much as you can.

2.NEVER AGREE TO ADVANCE PAYMENTS

One of the commonest scams around is the request for advance payments by car sellers to enable them to bring the car over for inspection. This should be a red flag in any car purchase you are involved in. it does not matter whether the request is coming online or offline.

In cases where you think the car is a good fit for what you want and you are willing to grant the seller the benefit of the doubt, arrange for a location where you can inspect the car. But never give out cash in any form, as that’s only a new way of advance fee fraud.

3.INSPECT THE ODOMETER CAREFULLY

Odometer fraud occurs because people want to make extra money from a used car by tampering with the odometer. The average mile per year for a car is pegged at 20,000 kilometres. Therefore, when you are purchasing a used car that has been on the road for four years but has only 40,000 kilometres on the odometer, this should be a red flag that the odometer has been tampered with.

However, you still need to look closely at the odometer to confirm. A number of cars are programmed to show an asterisk when the odometer is tampered with. Also, you can ask to see the oil change and maintenance receipts to see if the mileage recorded on the inspection stickers tally with the one at the odometer.

4.COPY AND PASTE CAR DESCRIPTIONS

Most of the car selling scams around are full of copy and paste car descriptions from random websites. They fail most times to reveal more information about the condition of the car on offer. Therefore, be wary of single sentence adverts calling for buyers, especially those where only the name of the car, model and year are stated without any other useful information.

On the other hand, a genuine seller will provide you with detailed information about the car that will enable you to make up your mind about whether to purchase the car or not.

To spot a fake advert for a car sale, you can just copy and paste the car description on Google search, and the website where the scammer copied the information will be out.

5.THE IDENTITY OF THE SELLER
In a case where the car description matches your expectations, the next thing to do is to take steps to verify the identity of the seller. One of the best ways is to put a call through to the seller and ask him as many questions related to the car as possible.

From the phone call, you will be able to tell if the seller is genuine or not, especially with his ability/inability to provide further information about the car advertised.

You could also save yourself the stress of falling for a scam by searching for any previous car-selling related history of the seller.


Final words, vast majority of car scams are results of self greed prevents them from identifying a sale that is too good to be true. Most times, the signs are glaring and not so difficult to see. Avoid hasty decisions and advance payments. Listen for hesitations when it comes to issues of inspecting the car with the seller. If you notice that that same car is on another website for a different price and by the same seller, it is perhaps time to let the seller be. He’s a scam.

Had any experience before? Comment below

SOURCE:https://okfiscal.com/top-5-scams-in-car-dealership/

CC: lalasticlala

CarGuideNG:




Good points, but you missed a very important step.






Aptly put Sir.

www.nairaland.com/attachments/10278625_1569321152580_jpegbbcde9e602ad53270d1d19b0ff602751

Thanks Ade for the observation

Please take note check the car vin

A VIN or a vehicle identification number is a seventeen digit sequence(ISO-377 that form 17 units of digits and letters- this for Europe manufacturer) that is stamped into the chassis of a car. This serves as an identification code and is a must when registering a vehicle. Each and every car on the road has a unique number, which is sometimes referred to as the body number. VIN numbers are all different and you will never come across vehicles with the same vin number stamped on it. This is also the reason it is referred to as a cars DNA, because with this number you can identify the exact model and details registered under it.
It is very important to check car vin because it is the best and safest way of figuring out the accurate identity of the car. Vehicle registration companies and car manufacturers always carry databases with these numbers as it enables them to validate and identify the car correctly, and check if the car has not been reported on crime cases or stolen.

I think is worth noting to take into consideration some factors before buying used car in nigeria. Today I will be sharing vital information on things you must do when buying a used car in Nigeria, and where to get reliable used cars in Nigeria.

Things You need to know before buying a used car in nigeria

It’s common knowledge that having your own personal car is more than necessary, especially if you spend a significant fraction of your day in-transit. This explains why most Nigerians try to get a car as soon as they can afford it. Who doesn’t like to cruise around in a comfortable vehicle rather than hopping from one rickety commercial vehicle to another?

However, the true fact in Nigeria is that brand new vehicles are far beyond what majority of people can afford. And that’s why the country is a huge market for used vehicles of virtually all brands. For example, a brand new Toyota Camry 2017 costs around N20,000,000, while a used Toyota Camry released about 5 to 7 years earlier can be gotten for a third or quarter of that price. So, it’s just expectable that the average Nigerian would rather go for used cars.


Types of used cars in Nigeria:

Not all used cars in Nigeria are the same in terms of usage history. And based on this factor, used cars in Nigeria can be broadly classified into two broad categories: foreign used (popular known as “tokunbo”) and locally used cars.
In simpler terms, a foreign used or tokunbo vehicle is one that was used abroad before being shipped to Nigeria, while a Nigeria used vehicle is one that has been used here in Nigeria, regardless of whether it was bought brand new or as tokunbo. (So, if we expand that, we’d be right to say locally used vehicles can be further classified into those bought as brand new here in Nigeria or those bought as foreign used).
It is commonly believed that foreign used vehicles are better than locally used ones. And this belief is true for obvious reasons. Cars bought and used in developed countries are more than likely to be well maintained and taken care of. And they’re unlikely to come with suspension problems and other issues that have to do with bad roads and rough terrains. Even if it has had faults in the past, you can trust that a foreign used vehicle would have been fixed by a seasoned expert who won’t try to cut corners. We are not saying all foreign used vehicles can be trusted, but most of them will give you good value for your money.

As for locally used vehicles, buying them is more like a game of dice. Some locally used vehicles have been well maintained with no faults, driven on good roads most of the time, and probably bought brand new or slightly used by a foreign owner. If you’re fortunate to come across such, then it’s as good as buying a tokunbo. In fact, such a car could be far better than many foreign used vehicles out there. On the other hand, some locally used vehicles have been poorly maintained, driven carelessly on bad roads and rough terrains for years, and ignored whenever a “minor” fault comes up. Such vehicles are unlikely to last long. Buy one now, and you’ll start having one issue after the other within few months.
For obvious reasons, tokunbo cars are more expensive than their locally used counterparts. A locally used car typically costs between 50 percent and 80 percent of the price of its tokunbo equivalent, depending on how long it’s been used in Nigeria for, whether it has faults or not, and how desperately the buyer is to sell it off.
With the above in mind, let’s now look at the steps involved in buying a used car in Nigeria.

How to buy a used car in Nigeria: Step-by-step guide

Buying a used car in Nigeria is like choosing a wife. You can either end up with either an option that you’ll forever be glad you chose or an option that will always make you regret bitterly each time you think about it. So, you need to tread carefully, avoid making decisions in haste, and don’t ever rush at an offer because it’s cheaper.The cheapest option is usually not a good option!

Here are the steps you should follow when buying a used car in Nigeria.

1. Know your needs
Your first step towards buying a car, used or new, is to understand your needs and preferences, and what you expect to get from the car. If all you need is a small car to take you to your office and back every day, you should be fine with a small hatchback (e.g. Volkswagen Golf and Toyota Matrix). If you have a large family that you take around town frequently, then you’d be better off with a wagon-style family vehicle (e.g. Toyota Sienna or Nissan Quest) or an SUV with third-row seats.
If the roads around your vicinity are really bad, then you should go for an SUV (e.g. Toyota Highlander, Toyota RAV4, Honda Pilot, Nissan Pathfinder, Nissan Xterra, etc.), since such cars have good ground clearance and rugged suspension systems. And if all you want is a car that has enough space for heavy goods, consider getting a truck-like vehicle (e.g. Toyota Hilux).
The above are just examples, and needs vary from individual to individual. So, you need to figure out what you really expect to get from the kind of car you want to buy.
In addition, you should decide what features you want in your car. This will also help you when narrowing down your options. Are you a stickler for badass sound systems? Then you should consider a vehicle loaded with one. If you can’t bear with a car that lacks a rear-view camera, be sure to get one that comes with it. Are you still a fan of manual transmission? Then go for a car that comes with one.

2. Set your budget
Your ability to get a used car of your choice will depend on whether you can afford it or not. So, you need to set a realistic budget when buying a used car in Nigeria. And more importantly, be sure to pen down options that fall within your budget.
Imagine someone having just N2 million (which can hardly get a good foreign-used sedan) who wants to buy a Lexus RX 330 or a Toyota RAV 4 2006 or newer! You can’t even get the Nigerian used units of those cars for that price let alone foreign used ones.
So, when you’re setting your budget, you must be realistic. If your choice car costs more than your budget, you can either increase your budget or opt for cheaper options.

3. Short-list your “candidates”
After understanding your needs and setting your budget, you’d have gotten a clear picture of what type of car you want and which cars exactly would be suitable for you. Your next step is to list out your options.
For example, if you’re going for a sedan and would prefer German cars, then you can list the likes of Volkswagen Passat or Jetta, Audi A4, Mercedes Benz C-Class, and any of the BMW sedans. Similarly, if you prefer Japanese cars because they’re cheaper and much easier to maintain, your list would include Toyota Camry, Corolla, or Avensis; Honda Accord; Mitsubishi Galant, or a sedans by Nissan.

4. Research
After short-listing your possible candidates, your next step is to find out more about each of them. Your aim here is to know which ones to retain on your list or which ones to drop from it.
Your best references during research are people who are using or have used the vehicles on your list. They will tell you their experience with each car and what you should expect from it. Online reviews are also reliable, but most reviews you’ll find online were left by foreign users, not Nigerians. To get first-hand information from Nigerians, you can visit a forum like Nairaland , and ask for people opinion on each car. You’ll get lots of helpful responses.
During your research, you’ll be able to know which options on your list are more durable, which ones are expensive to maintain, and the common problems that each one do come down with. These and other valuable pieces of information will help you narrow down your list to just 2 or 3 options. Only few things could be more disastrous than going to the market with no specific options in mind.

5. Hit the market and inspect like crazy!
Whether you’re buying your car from an individual or in a large car market, the golden rule is, “Inspect, inspect, and inspect!” Bear in mind that there’s much more to a car than clean looks. Many flawless-looking cars have terrible faults hidden within them, so you need to be very careful.
There’s a long list of things you need to check, and we cannot exhaust everything here. But in summary, test every electronic and automatic component in the car to ensure they’re all working perfectly. Also, test-drive the car over a good distance and listen hard for strange sounds from the engine, transmission or other sources. Also check the hood thoroughly for shady connections. And be sure that the body paint isn’t being patched anywhere. Don’t ever get tempted to overlook any fault unless you really understand its consequences and the cost of fixing it. And don’t be in a rush to make a choice.
In fact, your best bet is to go for the inspection with a seasoned auto mechanic, unless you’re one yourself. If possible, you can go with two or even more. It’s better to pay N20,000 for inspection and end up with a good choice than making the wrong choice and spending hundreds of thousands of naira on repairs shortly after. It doesn’t matter whether you’re buying a Nigerian used or foreign used vehicle; thorough inspection is a must!

6[b]. Complete necessary paperwork[/b]
Be sure to get all the necessary papers for your car. If the dealer claims to have paid full customs duty, visit the nearest customs office to verify yourself. In addition, be sure to collect the receipt of purchase as well as all other necessary documents related to ownership of the car. You sure don’t want to be harassed continuously by customs officers and other law enforcement agents.

Where to buy used cars in Nigeria
Your choice would depend on your budget and plan.

•The Berger (Apapa) auto market: This is the largest market in Nigeria for used cars. In this market, you’ll find more-than-enough options of your choice cars to choose from. Of course, you must have set your budget for tokunbo cars.

•Local car stands/markets: You can equally walk into the nearest car stand or market to make your choice. But you’ll have limited choices compared to what obtains with the Berger market.

•Individual car dealers: If you come across individuals looking to sell exactly the type of car you want, you can easily approach them to seal a deal. It goes without saying that you have just one option to consider, which might be dangerous. But if a Nigerian used car is what you have in mind, this is a cool option.

•Online car listing sites: More and more Nigerians are now getting their choice cars by checking online car listing sites (e.g. ) and classified ad sites like . On these platforms, you’ll find multiple options of your choice cars — locally used and foreign used.

Final words, make sure you do your homework well before buying used car because majority of these used car are refurblished cars.
Had experience before buying or using used car? Share it let learn together.

SOURCE:https://okfiscal.com/things-to-know-before-buying-used-cars-in-nigeria/

A Russian Company, MetProm Group, has made a fresh offer to the Federal Government to finally put the Ajaokuta Steel Complex into operation.

The company also indicated interest in maintaining the steel mill when fully operational.

It was gathered that the offer was formally tabled before the Federal Government on September 10.

The Ambassador of Russia to Nigeria, Alexey Shebarshir, had on that date led a delegation of Russian officials to the Ministry of Mines and Steel Development.


In attendance at the meeting were the Minister of Mines and Steel Development, Olamilekan Adegbite, and the Minister of State, Uche Ogah.

A Russian government official, Deputy Head of Mission, Trade and Economic Affairs, Valery Shaposhnikov, who was part of the delegation, confirmed MetProm Group’s offer in an interview with our correspondent.

MetProm Group is different from another Russian company, TyazhPromExport, which originally built the Ajaokuta Steel Complex.

In 2016, a former minister of Mines and Steel Development, Kayode Fayemi, explained that the Federal Government decided to jettison TPE because the company did not want to complete the steel mill.

The minister’s statement was, however, countered by the Russian embassy, which insisted at the time that TPE was still interested in the project.

Information gathered tells that most MetProm Group’s engineers worked with TPE at Ajaokuta Steel Complex before the arrangement between the Russian company and the Federal Government broke down.

Speaking with our correspondent in Abuja on Sunday, Shaposhnikov noted that the differences between the Federal Government and TPE were in the past, as the Russians had made a new offer to complete the steel complex.
He said, “I honestly do not see much use in muddling about with conjectures of the past. What matters now is an offer by a reliable Russian company, MetProm Group, to put the mill into operation.

“Many of MetProm experts had worked with TPE at Ajaokuta complex in the past.  The company (MetProm Group) comes with a profound expertise in modern heavy industry and in the Ajaokuta case in particular.”

On its website, MetProm Group described itself as “recognised leaders in designing projects in metallurgy, supply of equipment, execution of construction and erection works and erection of equipment up to reaching the design capacity.

Shaposhnikov said it was left for the Nigerian government to decide and determine how to engage the MetProm Group.

He said, “It will depend on the agreement. The Nigerian side will define the strategy and the order of work.

Source: https://okfiscal.com/metprom-group-make-fresh-bid-to-fg-on-rehabilitating-ajaokuta-steel-complex/

cc: lalasticlala

A Russian Company, MetProm Group, has made a fresh offer to the Federal Government to finally put the Ajaokuta Steel Complex into operation.

The company also indicated interest in maintaining the steel mill when fully operational.

It was gathered that the offer was formally tabled before the Federal Government on September 10.

The Ambassador of Russia to Nigeria, Alexey Shebarshir, had on that date led a delegation of Russian officials to the Ministry of Mines and Steel Development.


In attendance at the meeting were the Minister of Mines and Steel Development, Olamilekan Adegbite, and the Minister of State, Uche Ogah.

A Russian government official, Deputy Head of Mission, Trade and Economic Affairs, Valery Shaposhnikov, who was part of the delegation, confirmed MetProm Group’s offer in an interview with our correspondent.

MetProm Group is different from another Russian company, TyazhPromExport, which originally built the Ajaokuta Steel Complex.

In 2016, a former minister of Mines and Steel Development, Kayode Fayemi, explained that the Federal Government decided to jettison TPE because the company did not want to complete the steel mill.

The minister’s statement was, however, countered by the Russian embassy, which insisted at the time that TPE was still interested in the project.

Information gathered tells that most MetProm Group’s engineers worked with TPE at Ajaokuta Steel Complex before the arrangement between the Russian company and the Federal Government broke down.

Speaking with our correspondent in Abuja on Sunday, Shaposhnikov noted that the differences between the Federal Government and TPE were in the past, as the Russians had made a new offer to complete the steel complex.
He said, “I honestly do not see much use in muddling about with conjectures of the past. What matters now is an offer by a reliable Russian company, MetProm Group, to put the mill into operation.

“Many of MetProm experts had worked with TPE at Ajaokuta complex in the past.  The company (MetProm Group) comes with a profound expertise in modern heavy industry and in the Ajaokuta case in particular.”

On its website, MetProm Group described itself as “recognised leaders in designing projects in metallurgy, supply of equipment, execution of construction and erection works and erection of equipment up to reaching the design capacity.

Shaposhnikov said it was left for the Nigerian government to decide and determine how to engage the MetProm Group.

He said, “It will depend on the agreement. The Nigerian side will define the strategy and the order of work.

cc: lalasticlala

Oga wetin happened you dey vast?
If you dey go hung transformer

Fans of two Big Brother Naija housemates, Seyi and Tacha clashed on Saturday in Lagos, as they were campaigning for their preferred candidates.

From the video, it could be seen that the clash occurred inside the National Stadium, Surulere.

In the video, the fans could be seen holding banners of their favourite housemates, as well as wearing branded T-Shirts bearing photos and names of the housemates.

One of the fans was heard saying in pidgin English, “Na we get Lagos” (meaning, ‘we own Lagos’) while pointing at a banner of Seyi.



It should be noted that Seyi is from Ogun State, while Tacha is from Rivers State.

See video:
https://twitter.com/Jonatha07524401/status/1175420354669555712?s=19

cc: lalasticlala

The Central Bank of Nigeria on Friday said it would continue to implement the cashless policy in line with its mandate to ensure an efficient payment system.

The CBN Governor, Mr Godwin Emefiele, said this while briefing journalists shortly after the Monetary Policy Committee meeting.

He said that contrary to claims in some quarters that many Nigerians would suffer the negative impact of the policy, only about five to 10 per of bank customers would be affected.

The apex bank had in a circular to Deposit Money Banks stated that from Wednesday, September 18, it would impose three per cent processing fees on withdrawals and two per cent processing fees on lodgements of amounts above N500, 000 for individual accounts.

For corporate accounts, the apex bank in the circular said that DMBs would charge five per cent processing fees on withdrawals and three processing fee on lodgements of amounts above N3m.

The House of Representatives had on Thursday through a resolution directed the apex bank to suspend the policy.

But responding to the development, Emefiele said if the Nigerian economy was to compete effectively with those of developed countries, a payment system that encourages the use of non-cash channels was desirable.

He said that before the cashless policy was first inaugurated in 2012, a lot of stakeholder engagements were done to sensitise Nigerians on its benefits.

He said the policy was suspended in 2014 to allow more payment channels to be developed by Deposit Money Banks.

The governor said that since the policy was suspended, currency management cost had continued to increase year-on-year at an average annual growth rate of 33 per cent.

However, he said the bank had continued to provide alternative channels, adding that people had embraced it.

He said Point of Sale transactions had moved from N48bn in 2012 to N2.2tn while electronic transfer had moved from N3.8tn in 2012 to N80.46tn in 2018.

Emefiele said, “Since the policy was first launched, currency management costs have continued to increase year-on-year at an average annual growth rate of 33 per cent.

“Notwithstanding, electronic transactions have increased within the economy. We have provided alternative channels and people have embraced it.

“This is a strategic timing of these actions because on Monday, September 23rd, the mutual evaluation by GIABA (Inter-governmental Action Group Against Money Laundering in West Africa) on the country’s anti-money laundry and CFT (Combating Financing of Terrorism) regime will begin.

“Passing the mutual evaluation positions Nigeria as a safe and credible destination for financial transactions across the world.

“GIABA will be in Nigeria to access the rate at which Nigeria has embraced anti-money laundry and CFT regime. It is important that we display and show to them that Nigeria is indeed in conformity with their practices as enshrined in their anti-money laundry and CFA laws.”

The apex bank boss said if the CBN did not implement the cashless policy, credit cards owned by Nigerians might not be used abroad.

On the Value Added Tax, he said the MPC supported the decision of the Federal Government to increase the rate from five per cent to 7.5 per cent.

He said with Nigeria having one of the lowest VAT rate in the world, and faced with fiscal challenge, the best way to shore up revenue was to increase tax.

He said, “The MPC endorsed the increase in the VAT rate from five per cent to 7.5 per cent. The government has the responsibility to fend for everybody.

“In fending for everybody means that it has to spend money to provide infrastructure – roads, airports, different things that will improve the lives of its people.

SOURCE: https://okfiscal.com/cashless-policy-will-only-affect-10-of-nigerians/

Url- okfiscal.com
Email- okfiscal1@gmail.com
Contact no- 08142710714

Five candidates who sat for the 2019 Unified Tertiary Matriculation Examination are being prosecuted for allegedly altering their scores.

They were apprehended between June and September by the Joint Admissions and Matriculation Board and handed over to the police.

JAMB Head of Information, Dr Fabian Benjamin, confirmed the prosecution of the candidates on Monday in an interview with our correspondent.

Adah Eche, Cletus Kokowa, Kingsley Unekwe and Rejoice Mordi are among the candidates facing trial.

Eche was arrested on June 24 for allegedly changing his score from 153 to 290.

The 19-year-old confessed to the crime.

According to him, some social media users helped him to forge the results.

He said the unknown social media users claimed they could alter JAMB results.

Eche reportedly called the numbers provided by the fraudsters to seek their help to add to his score. A fake results slip was later sent to him.

The Nigeria Security and Civil Defence Corps arrested Kokowa in Abuja on July 4 for allegedly engaging a syndicate to alter his score from 162 to 206, after paying N10,000.

Meanwhile, Unekwe was arrested on August 16 for changing his score from 201 to 269.

JAMB said with the help of some people, Unekwe forged his results slip which he presented to his parents who wanted him to study medicine.

Mordi was arrested on September 8 for altering her score from 164 to 264.

The candidate told JAMB that she got the fake results from an agent identified as Iyanu Oluwa through WhatsApp.

Benjamin said, “Some of them have appeared in court, and most of them have been arraigned. Others are on bail. But there is no conviction yet.”

The JAMB chief added, “Admission for the 2019/2020 session has started and certainly we have a number but I don’t have it now. It is still very insignificant.”

Source: https://okfiscal.com/five-utme-candidates-in-hot-mess-for-forging-jamb-score/

cc: lalasticlala

The White House said Saturday that the son of al-Qaida founder Osama bin Laden has been killed in a U.S. counterterrorism operation in the Afghanistan-Pakistan region.

The White House said in a statement, "The loss of Hamza bin Ladin (Laden) not only deprives al-Qaida of important leadership skills and the symbolic connection to his father, but undermines important operational activities of the group."

The younger bin Laden was described by the White House as "the high-ranking al-Qaida member" who was "responsible for planning and dealing with various terrorist groups."

Some media organizations previously reported earlier this summer Hamza bin Laden had been killed about two years ago, but it was not confirmed by the administration of President Donald Trump until Saturday.

Hamza bin Laden was believed to have been in his 30s.

His father declared war against the U.S. in 1996 and was the mastermind of the Sept. 11, 2001, terror attacks on the United States. U.S. Navy SEALs killed him in a raid on a house in Abbottabad, Pakistan, in 2011.

CC: lalasticlala

Am sharing this article with an ideal because every one deserves a chance to start their own business. You probably know by now that there aren’t just 1001wys to start a business with $100 or less. There’s are infinite number of way to start business with little or no capital.

So many people has been held captive of the misconception that starting a business requires a lot if money. The old saying”it takes money to earn money “this has been ingrained in many people memories. The fact is, it takes value to earn money not money to make money. If you can provide massive value for your customers they will in turn send you money.

The objective of this article is to educate, inspire and instruct people how to start a business with little or nothing but an ideal., dream and commitment.

If you have any ideals to add to the list please write it down in the comment box we’d love to hear from you and your ideal can be of help to countless number of people.

Below are 10 business you can start with nothing;

1. Write a book: turn your passion into mission to educate others. Write a book and self-publish it.

2. Start a blog with Google ads, chitika ads, an Amazon store, eBay store or text links ads or selling products and services online.

3. Start paper route business

4. Distribute product door to door

5. Become a coach or advisor and help people in your area of expertise

6. Create you tube video that goes viral

7. Create application for android

8. Create newsletter that educate other

9. Create instructional CD’s, DVD or program to educate others

10. Write a play, movie script or theatrical performance

If you have more ideals that can be helpful please write them on the comment box

SOURCE: https://okfiscal.com/10-business-you-can-start-without-money-and-make-huge-profits/

CC: lalasticlala

An Austrian man who smuggled 88 living reptiles including 43 poisonous snakes from the Philippines was stopped by customs officers at Vienna airport, Austria’s Finance Ministry said Thursday.

When the Austrian national arrived via Doha on Sunday, the officers screened his suitcase and saw that it was full of animals.

After the man admitted that it contained poisonous snakes, the officers decided to transfer the closed luggage to Vienna’s Schoenbrunn Zoo, where experts opened it.

They found Samar cobras, Mangrove snakes, and vipers, as well as dozens of monitor lizards and geckos. Many of the smaller animals were transported in nylon stockings.

The traveler said that he had planned to sell the reptiles at a fair in Germany.

He faces legal proceedings for alleged breach of Austria’s law regulation trade in protected species.

The zoo in Vienna, as well as an Austrian reptile zoo, agreed to take in the animals.

SOURCE :https://punchng.com/43-poisonous-snakes-found-in-mans-suitcase-at-vienna-airport/

CC: lalasticlala

Hover over the source link to see photos

Buying of Android phone is sometimes complicated because of the numbers of phone in the market place. However, advantage of buying smartphones that have been Released Recently, is that you get some of the latest features, specification and price easily.

Today, we’ll look at the Top 7 Best Latest Android Phones In Nigeria And Their prices and where you can easily purchase your choice. With these latest devices, you get advancements in technology and affordable prices. I have included a variety of handsets, this is to ensure that you, at least, have a choice that best suits your needs. These best cheapest latest android phones, are made by brands such as infinix, samsung, Tecno, Leagoo, Fero and nokia among others.

The following phones listed below are the top 7 best Lastest Android Phone in Nigeria and their Price in 2019 so far.

Infinix Zero 5
price ₦ 105,000
OS Android 7.0 Nougat
Screen size 5.98 inches
Display Resolution 1920 X 1080pixels
Processor Octa Core, 2.3 GHz, Cortex A53
RAM 6GB
GPU Mali- T830
Storage space 64GB
Expansion slot 128GB
Primary camera 12MP+13 megapixels
Selfie Camera 16 megapixels
Battery 4350mAH
Connectivity 4G lite
Pros Battery, performance, price,
Design
Cons None

Tecno Camon CM
Price #52000
OS Android 7.0 (Nougat)
Screen Size 5.7 inches
Display Resolution 1440 x 720 pixels
Processor Quad-core MediaTek MT6737
GPU Mali
RAM 2GB
Storage Space 16GB
Expansion Slot 128GB
Main Camera 13 megapixels
Selfie Camera 13 megapixels
Battery 3000mAh
Connectivity Wifi, Bluetooth, USB, 4G LTE
Pros Cool Design, Performance, Pricing
Cons None

Leagoo KIICAA POWER- Android
Price ₦ 21,990
Operating System Android 7.0 Nougat
Screen Size 5 inches
Display Resolution 720 x 1280 pixels
Processor Quad Core up to 1.3GHz CPU
GPU Mali
RAM 2GB
Storage Space 16GB
microSD Slot 32GB
Main Camera 8 megapixels
Selfie Camera 5 megapixels
Battery 4000mAh
Connectivity 3G, Wifi, Bluetooth, USB
Pros Price, Performance, Display
Cons NA

Infinix Note 4 Pro
Price ₦68,990
OS Android 7.0 Nougat
Screen Size 5.5 inches
Display Resolution 720 x 1280 pixels
Processor 1.3GHz quad-core
GPU Mali
RAM 2GB
Storage Space 16GB
microSD Slot 128GB
Primary Camera 13 megapixels
Selfie Camera 13 megapixels
Battery 3900mAh
Connectivity 4G LTE, Wifi, Bluetooth, USB
Pros Battery, Price, Performance
Cons None


Fero Royale Y2
Price ₦ 36,990
OS Android 7.0 Nougat
Screen Size 5.5 inches
Display Resolution 720 x 1280 pixels
Processor 1.3GHz quad-core
GPU Mali
RAM 2GB
Storage Space 16GB
microSD Slot 128GB
Primary Camera 13 megapixels
Selfie Camera 13 megapixels
Battery 3900mAh
Connectivity 4G LTE, Wifi, Bluetooth, USB
Pros Battery, Price, Performance
Cons None

Nokia 8
Price ₦ 170,000
OS Android 7.1.1 (Nougat)
Screen size size 5.3 inche
Display Revolution 2560 x 1440 pixels
Proccessor Octa-core (4×2.5 GHz Kryo & 4×1.8 GHz Kryo)
GPU Adreno
RAM 4GB
Storage space 64GB
Micro card slot 256GB
Pimary camera 13 mega pixels
Selfie camera 13mega pixels
Battery 3090mAH
Connectivity 4G LTE, Wifi, Bluetooth, USB
Pros Performance, Display, Price
Cons N/A

Xiaomi Redmi Note 5A
Price ₦ 52,000
OS Android 7.0
Screen Size 5.5 inches
Display Resolution 720 x 1280 pixels
Processor Qualcomm Snapdragon 435
GPU Adreno 505
RAM. 3GB
Storage Space 32GB
microSD Slot 256GB
Primary Camera 16 megapixels
Selfie Camera 13 megapixels
Battery 3080mAh
Connectivity 4G LTE, Wifi, Bluetooth, USB
Pros Performance, Price, Design
Cons Display

Comment if you know any performing phone in 2019 that is not on the list. Let's share information

SOURCE:https://okfiscal.com/top-10-android-phones-and-their-price-in-nigeria-in-2019-so-far/

CC: lalasticlala

It's worth noting that pricing of car at the dealership is one of the hardest things you may find yourself doing in your quest to join the elite of car owners in Nigeria. This is because buying a car is a large financial commitment and you do not want to fail in it. The slightest mistake on your part at this point could see the dealer making a huge bonus for himself.

It is, therefore, important to approach the car dealership with all the necessary information that will advance your interest. on your part at this point could see the dealer making a huge bonus for himself.

It is, therefore, important to approach the car dealership with all the necessary information that will advance your interest.

Below are something to do to avoid pricing mistakes and booty trap at the car dealership.

1. Carry Out Research On Cars

To enjoy a successful negotiation at the car dealership, you need to arm yourself with a lot of information about the range of options available to you. Do not go to a dealership without knowing what you want to get. if you make this mistake, you will get what the dealer feels like selling to you. Therefore, it is important you equip yourself in current pricing trends. One easy way to get the price of cars listed for sale in Nigeria is to use theCheki True Price tool, which gives you the current price of Tokunbo and used cars.

2. Know the car Invoice Price

A good bargain at the dealership also depends on intense preparations for the negotiation process. This involves finding out the manufacturer’s suggested retail price, also known as the sticker price as well as the invoice price. Cars are rarely sold at the sticker price, but it gives you an idea of where to begin your bargain from. Usually, you can purchase a car closer to the invoice price than the manufacturer’s suggested retail price. The more knowledge you have of the invoice price, the better your bargaining position during pricing at the dealership.

3. Have one bugget and stick to it.

It is easy to ignore your budget for a car at the car dealership. With those flashy cars before you, a car dealer could persuade you to climb one ladder above what you can afford. If you can afford only a car for N2 million, you don’t want to go hungry by making a move for one that is worth N4 million because the car dealer convinced you that it is a more recent model.

Having a budget gives you an idea of what you can afford. Therefore, a good rule for excelling at the car dealership is having a budget and sticking to it all through the pricing stage.

4. Calculate and estimate the Value of Trade-in

The convenience of driving an old car to a dealership and returning in a new one is a tempting prospect for many car buyers. But if you wish to do a trade-in, it is best to research the value of your car first before going to the dealership with it. This is to prevent under-pricing by the dealer. Likewise, trade-in should be brought on the table after exhausting discussions on the price of the new car.

5. Used the Walk Away strategy

No car is too good to walk away from when the price is not in agreement with your budget.  When negotiating with the dealer, remember that turning your back to walk away is your strongest weapon in the arsenal. Don’t be afraid to use it.

Dealers have a lot of phrases to trick customers into accepting offers that do not meet their expectations or budget. ‘This deal is only good today’ or the next 24 hours is a popular trick by dealers to force you into making up your mind and bending to their wishes. Don’t hesitate to walk away when the negotiation isn’t going in your favour or you feel suspicious. Once you are emotionally invested in the car and you have promised your wife and kids at home that a new ride is coming home, this can be difficult to pull. But it could save you some money in the long run. Most dealers will call you in a day or two, flashing a new and better deal in your face.



In conclusion, car pricing at the dealership could become so stressful that you want to get it over with quickly. However, this doesn’t have to be the case if you want to spend your hard-earned money prudently. Apart from the above-listed mistakes to avoid at the dealership, it is also best to think deeply about the payment options if you are shopping for the car with a car loan. This is to prevent unnecessary financial complications in the future.

SOURCE:https://okfiscal.com/5-things-to-do-to-avoid-car-pricing-mistakes/