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Nairaland Forum / Martinkem's Profile / Martinkem's Posts
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|Politics / Re: 35-Year-Old Ends Yobe Speaker’s 5th Term Ambition by martinkem(m): 11:39am On Mar 19|
That's 17,000 votes in all, something needs to be done about the low voters turnout in elections. Nigeria needs a mandatory voting law just like Australia.
|Politics / Re: POL 501 The Tinubu Masterclass (sparsky Vs Fisher 1972) by martinkem(m): 4:29pm On Mar 01|
Yes, of course, it was rigged. Every election that has been held in Nigeria has been rigged.
|Agriculture / Re: What Do You Call This Fruit? (pictures) by martinkem(m): 8:40pm On Feb 27|
They are called Rose Apples apparently.
|Business / I Need To Send Money To A UK Bank Account by martinkem(m): 3:39pm On Sep 21, 2021|
I'm trying to send some money to my UK bank account and I was wondering what my option were.
Looking for option that would let me send it using my Naira Mastercard or Internet banking.
|Health / Dental Recommendation At Cele Area by martinkem(m): 3:49am On Nov 14, 2018|
I need to do a tooth extraction and I was hoping you guys could recommend me a good dentist in the CELE/OKOTA area.
|Business / We Need To Talk About Buyer Protection For Online Transactions by martinkem(m): 3:55am On Sep 11, 2018|
Buyer protection is nothing new, you are more likely than not to have come across it once or twice, and almost everytime if you use either Paypal or eBay. Buyer proection in its simplest form, a way of ensuring that the buyer is protected from fraud while shopping. The payment processor (Paypal) ensures the integrity of the transaction by reimbursing the buyer, he or her money in the event that product doesn't arrive or doesn’t meet the description. This buyer protection often times can extend beyond payment processors like Paypal to full fledged banks.
Online transaction has been something that the Central bank of Nigeria and the entire banking sector has been pushing for quite some time with their cashless transaction intiative and for what it is worth when it works it a pleasure to use but when it doesn’t, it leaves the conusmer/buyer having to bear the brunt of their loss and with little or no recourse. In other parts of the world, the banks are more than willing to assist their customers recover their money while in Nigeria, the banks tend to distance themselves from the transaction, leaving the customer to sort themselves out.
My experience with resolving issues with failed online transactions have left me with a bitter taste with the way that the banks handled the situation. The first one happened about a year ago with Stanbic IBTC LTD and Eko Electric Distribution Company. On one fateful day I had the need to purchase some electricity units using a Fidelity Bank ATM, while the transaction was succesful on the ATM screen alas it wouldn’t print out a reciept for the transaction I just made. After staring at the machine wondering what went wrong for a while, I finally had to go home to a house without power for the weekend. The following monday, I went to back to the bank that owns the ATM (Fidelity Bank) to make a complaint and I was advised to take up the matter with my bank which I did. At my bank (Stanbic) I was told that the transaction was successful and that I needed to speak to someone at EKEDC to sort out the matter, so I marched myself to EKEDC Marina office to make a complaint. The nice lady there told me that these things happen and the banks tend to push the issue to them to sort out hoping that the customer would give up and that I should ask for the token code from the bank as they (EKEDC) send over these codes to the bank after each transaction has been completed. So I headed over back to the bank and mouth the same thing to them and they took down some details, minutes later I get a call from their customer service guys and who collects some details from me. A few days later, I get a call from the customer service people again asking the same questions and the same pattern repeats itself over and over again more times than i’d care to recollect. Eventually my money was repaid and at the point that it was returned I had given up on the process and the bank. Taking three months to revert a transaction was a bit too much for me to bear.
The second time I have been caught holding the bag for a failed online transaction happened about a week ago, I tried to fund my 1xBet account using GT Collection on the mobile app. While the transaction was successful on the GTB app, my 1xBet account failed to reflect the transaction, so I ended up chatting up the guys at 1xBet (I hate those guys) about it and they told me that the transaction had failed (after a bit of back and forth with them) that I needed to fill out a local dispense error form with my bank (yeah, they even sent me a form). So I contacted the GTB customer care via Twitter and after some days had elapsed they informed me that the transaction has successful, again leaving me holding the bag.
My experience isn’t uncommon, and comparing notes with other people shows one common theme with Nigerian banks and that their penchant for disavowing any wrong doing when there’s an issue without any transaction on their platform which is in stark constrast to what’s obtainable globally. I have run into this kind of trouble with a UK retailer and my bank then (Lloyds Bank) was more than willing to sort out the issue for me within hours of making the complaint. After making the complaint to the customer care unit of Lloyds bank, every transaction that I had with the UK retailer was called back and my monies returned to me in full, I have even had some success doing the same for other Nigerian students who experienced the same issue with online subscription services that refused to honour a cancellation.
My experience with Stanbic and GTB has left me with only one resolve and that is to only do cash transactions from henceforth since I can’t trust the Nigerian banking system with my money. And for a country that’s serious about digital banking, these problems need to be addressed sooner rather than later. There has to be some guide or laid down rules for handling failed transactions and the CBN needs to get on this to ensure that consumer confidence is not eroded as it seeks to transition into a digital economy.
Post originally appeared here
|Phones / Re: 4G Network Won't Allow Me To Make Call Or Send Messages.. On My HOMTOM HT50. by martinkem(m): 4:39am On Jul 10, 2018|
i have got the same issue too..Just set it to 3G/4G(LTE). It would stay on LTE if youre trying to browse and switch back to 3G to make, receive or send calls and text
|Business / Which Nigerian Bank Issued Naira Mastercard Works With Skrill? by martinkem(m): 12:40pm On Sep 30, 2017|
Hi, could anyone advise me on which Naira Mastercard issued by a Nigerian bank can be used to fund my Skrill account? So far i have tried GTB and Stanbic bank issued cards. I'm just trying to fund the account with $15 but it isn't working for me.
|Business / Re: Football (+Other Sports) Betting Season 11 by martinkem(m): 10:45pm On Feb 02, 2017|
1.25 handicap means you need 2 goals to win a full stake and the 2 goals is counted from when you placed the bet which means that the match would have to end 0-5
|Business / Re: Football (+Other Sports) Betting Season 11 by martinkem(m): 8:20pm On Feb 02, 2017|
had anyone being able to withdraw his Betwazobia winnings from an atm. I candyfloss seem to be able to do so. can you tell me which bank ATM you used
|Agriculture / Re: Cost Of Poultry Feeds by martinkem(m): 12:29pm On Jan 10, 2017|
|Agriculture / Cost Of Poultry Feeds by martinkem(m): 4:38pm On Jan 09, 2017|
Hi guys, i doing a business plan and i was hoping you guys can help me with some data. I'm specifically looking for thr cost of these items and location of purchase.
Point of Lay birds
Crate of eggs
I'd be really grateful if I could get some decent response to these.
|Business / Re: My Experience In Egg Distribution Investment. by martinkem(m): 1:38am On Nov 23, 2016|
can someone at me to the Telegram group my username is martinkem
|Phones / Re: What The Different Between Galaxy S5 Verizon And AT&T by martinkem(m): 11:40pm On Oct 20, 2016|
you're better off buying the one from AT&T, Verizon is a CDMA network operator so chances are that the Galaxy S5 from them won't work well in Nigeria since we're a GSM nation.
|Religion / Re: How Should I Pay My Tithe? by martinkem(m): 10:14pm On Oct 09, 2016|
Should be paid after paying your debtor, the leftover is your increase. Tithe should be paid on your increase.
|Phones / Re: Differences between a Modem Vs Phone's HotSpot by martinkem(m): 10:09pm On Oct 09, 2016|
Isnt that on 2G or EDGE only, any device running on a 3G connection doesn't do that
|Phones / Re: Resubscribing For Airtel Smarttrybe Midnight Plan by martinkem(m): 7:15pm On Sep 20, 2016|
I have tried it a few times but it keeps telling me i have an active data plan
|Phones / Resubscribing For Airtel Smarttrybe Midnight Plan by martinkem(m): 9:02pm On Sep 19, 2016|
Hey guys, does anyone know hiw to resubscribe for the Airtel nigh vplan on Smart Trybe once i have exhausted the data allowance
|Phones / Re: Latest Get unlimited data On Airtel For 200#....works only with 2g by martinkem(m): 11:12am On Sep 17, 2016|
Not if you're using a hotspot. The speed isn't as fast as the others but it's great for what i use it for
|Phones / Re: Latest Get unlimited data On Airtel For 200#....works only with 2g by martinkem(m): 9:02am On Sep 17, 2016|
The 2G plan spoilt things for me, i used to subscribe to their BlackBerry plan but afterdoing their 2G plan the thing stopped working. So i switched to glo
|Phones / Re: Latest Get unlimited data On Airtel For 200#....works only with 2g by martinkem(m): 8:06am On Sep 17, 2016|
I can't say i quit using Airtel three months ago
|Phones / Another Samsung Galaxy Note7 Explodes While Charging by martinkem(m): 11:54am On Aug 31, 2016|
Just the other week, we reported that a user had his Galaxy Note7 explode while he was charging it. This week another user has also reported the same thing happening to him while charging the said device. Although the explosion of this particular Galaxy Note7 is attributable to using a third party charger judging by the statement of a friend to the owner of the said Galaxy Note7.
There was another explosion of the Galaxy Note 7. It was my friend's phone. A Samsung employee checked the site and he is currently in talks over the compensation with Samsung. You should use its original charger just in case and leave the phone far away from where you are while charging.
While we don't have the full details as per what transpired, its a worrying sign for not just buyers of the Galaxy Note7 but Samsung. If the Samsung Galaxy Note7 is prone to explodin bon charging, then the Galaxy Note7 units already been shipped would have to be recalled and that would erode consumer confidence in Samsung products.
|Romance / Love: Why Many Seek And Never Find It by martinkem(m): 2:14pm On Aug 30, 2016|
Love is one of the most discussed topic of interest for a whole lot of people. We talk about it so much that's its being the subject of many books, movie, paintings and songs across the ages. And each time we talk about it, we talk about it and what it truly is, we reflect upon it our own biases. And this happens so much that more than often its true meaning gets lost in the murky waters of our own selfishness. Weighing it down with so much expectations of rewards and outright demands. We want the Love we experience to conform so much to our expectations. We expect those who love us to think and act in certain ways so much that a deviation from our notions translates to that oerson being disgenious about their true feelings towards us.
Our human want structure often blinds us to the nature of Love as a pure emotion. We want Love to be all actions, we want people to show us they love us and not tell us. In many relationships, Love is weighed down with expectations such as gifts, security, rewards and fidelity. We often equate Love to encompass all those things, forgetting that Love exists without those requirements. Most people fail to realise that fidelity itself is new and is more of a requirement of monogamy, unlike Love which has existed since the creation. The reward system that we all seem to have adopted goes against the principles that Love is built on, which in its truest form is freely given and expects nothing in return.
Loee is patient, love is kind. It does not envy, it does not boast, it is not proud. It does not dishonor others, it is not self-seeking, it is not easily angered, it keeps no record of wrongs. Love does not delight in evil but rejoices with the truth. It always protects, always trusts, always hopes, always perseveres."
1 Corinthians 13:4-7
The danger of today is that many people assume that when one is in love with another, that person loses the ability to hurt or wrong the other person. And this assumption is totally erroneous and leads people seeking Love and never really finding it. Love is not some magic portion that cures us all of our human imperfections. As a human being, it is by our very nature to be imperfect, making mistakes over and over again. Most times blinded by the benefits of fulfilling our hardwired desires rather seeing the errors or consequences of our actions. If one must love another, we must recognise these imperfections and Love truly without expectations. Until we are ready to do that, we would always be disappointed
|Phones / A Look At InterC's Insanely Overpriced Lite & Savvy Data Plans by martinkem(m): 1:57pm On Aug 30, 2016|
There is this saying "Pikin wey wan spoil go spoil", and that's kind what InterC is doing by overpricing its data plans compared to its more established competitors. For those that don't know of InterC or haven't heard of it. They are a new 4G ISP formed out of the ashes of what used to be Intercellular.
Basically, InterC has launched three tiers of data plans targeted at mobile phone users (InterC Lite), Homes (InterC Savvy) and heavy users (InterC Ultra). For most part the InterC Lite and InterC Savvy data plans are just a slap in the face of customers. These plans are overpriced compared to what is obtainable from the likes from Airtel, Etisalat, MTN and especially Glo.
A close look at their InterC Lite plans shows that it offers no value whatsoever to customers, who not only have to contend with the limited network coverage but also their pricier data plans, which cost 40% more.
With the entry level 1.5GB data plan costing at least 40% (N400) more, it's quite clear that customers who use their mobile phones for data are better off sticking with any GSM Network of their choice. The value of the 4GB could easily be matched and surpassed by the likes of Glo and Airtel while MTN and Etisalat users would end up saving more when they renew their plans. The same could be said of their InterC Savvy plan which for the most part costs more for the same amount of data. The InterC Savvy plans which are supposedly suited to households aren't really cost effective and offer less bang for their buck.
The 7GB plan would cost you more for less if you are a Glo subscriber or have good Glo coverage where you live. Subscribing to Airtel would save you N1,000, while Etisalat and MTN users also save more.
The same could be said for the 15GB plan which not only costs half the amount on Glo but it also offers 3GB more. On Airtel while an equivalent plan costs N1,000 more you get an additional 9GB of data which is a no-brainer.
Glo easily bests the InterC 25GB plan offering almost twice the data allowance for N2,000 less while Airtel offers 9GB extra for the same amount. Overall the InterC Lite and Savvy plans are quite poor offerings for most customers as they not cost more in addition to be disadvantaged by the limited network coverage (as of now InterC 4G coverage is limited to Abuja, Kaduna and Port Harcourt).
One would expect that as a new entrant into the market that InterC would price its data plans better in order to attract subscribers who possibly have an ISP already.
|Agriculture / Re: Which Is More Profitable, Layers Or Broilers? by martinkem(m): 5:10pm On Aug 10, 2016|
Could you send your number to my email mail@, I'd like to chat with you a bit if you don't mind
|Agriculture / Which Is More Profitable, Layers Or Broilers? by martinkem(m): 10:28am On Aug 10, 2016|
Hi guys,i was hoping I could get your opinion on which form of poultry farming is more profitable?
At the moment I am considering starting a farm that has got both forms, but I was hoping to get some input on which to put more of my resources into.
Which do you thinkbis more profitable in both the short term and long term?
Which do you think has a better profit margin?
|Agriculture / Re: The Rice Investment Plan by martinkem(m): 10:22am On Aug 10, 2016|
Hi, could you also send me a copy of the report, my email address is mail@
|Phones / Re: HELP!!! My Phone Is Being Controlled By A Spyware(netalpha Virus) by martinkem(m): 10:13am On Aug 10, 2016|
If you don't mind losing the installed apps on your phone and can boot your phone into recovery mod, I'd advise you to perform a factory reset on your device assuming you have tried the options proffered above.
Going forward I'd advise that you only download apps from the Google Play Store or from Apkmirror.com if you must
|Agriculture / Re: Starting A Poultry Farm (a Blog) by martinkem(m): 10:01am On Aug 10, 2016|
I hope you don't mind me asking, i was wondering how much you bought the point of lay birds for and how much a bag of feed cost you.
|Business / Re: Bank Of Industry YES Programme Shortlist by martinkem(m): 1:22pm On Jun 27, 2016|
Not everyone checks this thread regularly, I think if you need quick help you would be better off using the WhatsApp group
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