Happy Birthday to her

Serves her right!

Otobo123:
What about a passive way to earn 2% returns on investment daily from a regulated trading and investment company. Returns are added Mondays to Fridays WhatsApp for details 0.8.0.3.4.8.6.7.0.5.0

Is there anything preventing you from mentioning the name of the company here since you say it's a regulated trading and investment company?

Is the money still outstanding?

I thought he had already been paid!

Millions millions!

Mannyemmy:

Nitric, Can you invest in a standard and unique startup fintech company and we have a signed deal? We don't mind registering the said business with your personal and corporate details.
My tech startup was actually developing a very professional and standard uniquely fintech platform but stopped some time ago due to some monetary limitations for the marketing strategies we planned. We can provide you some working demos for clarification.
We do have a good knowledge of how it's being run in Nigeria as most of us including myself has worked for some fintech companies in Nigeria.
For more info, please send me a mail.
trhanks.

What is your email address please?

quabiodun:



Be our partner,

We are a team of young hardware startup, working on providing creative solutions to some of Africa challenges and the world  through indigenous solutions, involving ideation of new product, prototyping and manufacturing .  

We invented FSheild as an innovative face mask which disrupting all types of face mask in the market.
FShield is solving the spread of coronavirus from person to person,other related pathogens and air pollution. FSheild is designed beyond covid19


Our go to market strategies is leveraging on indiegogo and Kickstarter
crowdfunding platform which had been a best platform for startup with an opportunities to build minimum viable products and scale up within projected timeline.

The product is still at early stage development,we are looking for platform to meet co founder and investor to scale our solution.

We seek for early stage investor.We have licensing opportunity to licence to Ontario Canada Government and second option is crowdfunding campaign through US based marketing company.

We need #15m to manufacture functional prototype,file patent right,electronics pcb board design and launch crowdfunding campaign through funded today, video production, marketing, social media, influencer marketing

Currently,we ready to launch crowdfunding campaign in United State through professional agency with results


FSheild is in developmental stages and disclosing it to public might affect the intellectual property and we are currently on patent application.

We have pitch deck available for review.

Where is the company based? Nigeria, the United States or Canada?

How many partners do you have currently?

How long has the company been in business?

Do you presently have any registered patents?

What is the company's average monthly turnover?

PatriciaBitcoin:
<center>www.nairaland.com/attachments/11568732_giftcards_jpeg0c00e429fc6efb8605e1f625b67445f8 </center>

The nitty-gritty of Gift cards
Gift cards are seen by some as a lazy gift, suggesting that not much thought went into the gift selection. Others, though, welcome the gift-card solution to a holiday shopping list — and are happy to receive them, too.

Gift cards have become widespread in recent years, and you probably have some in your possession already. Whether you’re buying and/or receiving gift cards, though, there are a bunch of rather important things to know about them. The more you know, the fewer headaches you’ll experience. See which of the following gift card facts surprise you — and which ones will save you some money.

1. Gift cards are big business
For starters, understand just how big the gift-card market is. The National Retail Federation has estimated that gift card spending will total $27.6 billion this holiday season and that those buying cards will buy about four cards each, with an average value of $45.

That’s just for the holiday season. Gift cards are also bought for other occasions, such as birthdays, and the total spending over the year is estimated at around $160 billion for 2018, up from nearly $100 billion in 2011.

2. Lots of people want gift cards
While you might think that buying someone a gift card is a bit of a cop-out when it comes to finding a perfect gift, the truth is that many people like and want them as gifts. Fully 61% of folks will be asking for a gift card this year, per a survey by Prosper Insights & Analytics.

That’s not a new development, either: Gift cards are the most popular entry on holiday gift wish lists this year, according to the National Retail Federation and Prosper Insights & Analytics — and for the 12th year in a row!

3. Lots of people will be buying gift cards this holiday season
Not only are many millions hoping for gift cards, but many millions will also be receiving them: According to that same survey conducted by Prosper Insights & Analytics, 59% of survey respondents said they will be purchasing gift cards for their loved ones this year.

There are more kinds of gift cards than you can imagine, too — covering everything from favored clothing retailers to drugstores, bookstores, restaurants, outdoor gear stores, sporting goods stores, department stores, craft stores, pizza vendors, music streaming services, video streaming services, and much more. Whatever your loved ones like, there are probably a bunch of cards that might suit them.

4. Lots of Gift cards go unused every year
About 90% of gift cards get put to use quickly, within 60 days of being received. What about the other 10%? Well, some of those cards are used later, of course, but a whole lot of them end up never used. Roughly $1 billion worth of gift cards go unused each year, per CEB TowerGroup.

You might think that stores like it when you don’t use their gift cards. Well, there is definitely an upside to that, but retailers actually win no matter what people do with their gift cards. If a $50 card is unused, that’s $50 worth of merchandise or services that doesn’t have to be provided. If $45 of a $50 gift card is used, there’s $5 in value that various parties can profit from. And even if the entire card is used, there’s a good chance that the total bill will be for more than $50 and that the shopper is spending more than they otherwise would have with the retailer. About 72% of gift-card users spend more than the card’s value when using the card.

5. Gift cards can expire — but not within five years
Many people have learned the hard way that gift cards can expire. The Credit CARD Act of 2009 limited the aggravation that consumers experience by requiring most gift cards do not expire until five years beyond the date the card was purchased or the date on which funds were last added to the card.

Don’t let a gift card’s expiration date take you by surprise. If you’re giving a gift card, read the fine print first, to know the terms — and perhaps give the recipient a heads-up about the rules, too. If you’re the happy recipient of a gift card, if you’re not planning to use it soon, it’s smart to figure out when it expires or to make a point of using it within five years.

Do gift cards come with serial numbers?

Bonatheripper:
Pusssyy no longer enticing.


Fallen breast

True to an extent

How is this news?

Kill her and throw away your like na

OcVoice:
Is it advisable for a single and unmarried lady to live alone? She's a very young lawyer and not in any relationship. She lives with few of her family members, but wants to rent a mini flat and live alone. Is this advisable or proper?

There is nothing wrong with living alone as a single lady

It is inefficient for a state government to dabble into the business of owning and operating commercial aircrafts

After this experience they will obey the curfew

goakky2010:
Hello sir, can you put this into an estate project in Lekki and get either N45m in return or a unit of an apartment worth N55m? Thanks(08037705228/ WhatsApp only)

I'm really not that keen on investing in real estate at this time.

I think real estate ties down funds for a long time and most times it's difficult to predict the returns because the projects tend to suffer cost overruns which impacts negatively on expected profits

Mannyemmy:

To answer your questions,
Fintech industry is rapidly growing in Nigeria and it's really not quite difficult to start if you're capital intensive. I'll give you a brief overview.
For many young Nigerians and business owners, fintechs have made payments easier, lending quicker and wealth management more relatable competing against traditional financial institutions.
Nigeria's fintech space is unique compared to that of South Africa or Kenya – the two other fintech hubs in Africa. Kenya had an early start, while Nigeria is yet to have a telco-led MMO (though this is expected soon). South Africa has a large and sophisticated financial and banking sector, and over the years the top-four largest banks in Africa have been South African banks while Nigeria is ranked in the third class of banking in Africa.
The major challenges of the fintech companies in Nigeria is lack of access to Nigerian capital market and the regulatory framework. In Nigeria, there is really no specific fintech licensing requirements.
As regards the regulations, it's quite complicated.
As regards the license cost, the actual licence cost between ₦50,000 and ₦2 million, it all depends... But if it's the likes of Branch, Paylater etc as you have earlier aforementioned, I believe it won't cost much and as a matter of fact you can even startup your fintech platform without obtaining the license if only you have good relationship with the bank you're going to affiliate with.
The capital needed for the establishment of a standard fintech platform that offers features such as send, receive and request money, pay bills such as electricity bills, sports betting, cable TV subscription, airtime topup, data purchases, agent banking services etc is about 5M to 15M depending on your outreach and definitely some other unique features to distinguish you from other financial services.
I hope this helps.

For further information, you can send me a mail to masterekundayo@gmail.com

Thanks.

Your response is quite detailed and confirms some of information I have been able to get from other sources.

Thanks a lot

Truth370:
Good evening Family I have issues getting along with females of my peer. Guess it's caused by the environment I grew up as a child. When I was 14 I sit in the midst of Men in their 20s and 30s. I listen to their conversion all these made me mature faster than my Age and the same thing still lingers till today.

I'm in my late 20s now planning to settle down soon or have a baby by the end of this year or next year. But I'm really scared because I don't flow with girls under the Ages of 20-28 our relationship die a natural death their sense of humor is poor you can't talk anything aside from Food, sex and money. I've not learnt Anything from ladies of my Age for years now.

I flow with women of 35 and above thier sense of humor is top notch I learn a lot from them and someone times they don't believe my age because of our chemistry.

I'm confused can't wait till I get to my 40s before I find a girl of 30-35 to settle with because their sense of reasoning is a little bit balanced then.
I've a Grate passion for good communication skills from my partner that'll be our companionship not sex.

What do you suggest I do Fam those with experience? Tnx.

Older ladies are more mature in their reasoning and conduct...much younger ladies only care about the present and how to use all the money they have to buy the latest phone so that can show off!

Jamal090:
This company has been in business for over 4 years now.

They own one other estate that is sold out... Prosperity Gardens


Please DM me on WhatsApp at 07010816900 for well detailed information.

Well if you don't mind I will prefer to do my own due diligence by myself.

If the company does not have a website you can provide the name of the chairman/ MD or principal officers.

I will search them out to evaluate their competency, track record and level of integrity.

So this matter has still not ended

illicit:
Buhari just dey cash out anyhow

How does this concern Buhari?!

Jamal090:
It is often said that "the only risk in business is probable loss".

But I can assure you that the investment plan I am about to share with you is one hundred percent risk-free.

Now, I do not need you to just take my word for it, what I want is for you to take your time to carefully examine the facts and follow me with an open mind.

This is the form of investment that is most suitable for people with low risk profiles who desire a stable investment that can generate reasonable revenue for them.
.
.
.
LIP allows you to invest from a minimum of 100k to 100m for a tenure of 6-24months at varying rates of return.

This investment plan allows you to leverage on the abundance of real estate wealth through several of our real estate projects.

When you invest with us:

1) Your funds are 100% insured by a leading insurance company which will independently deliver your insurance document to you.

2) You get a post-dated cheque with the sum total of your capital and interest.

3) You get a Deed of Agreement and Receipt of payment issued to you at our Lagos head office or via postal delivery.

4) You get instant attractive bonuses if you invest in any category before the 29th of May (please check fliers below for more information on this)
.
.
.
LIP is brought to you from the stables of ZYLUS INVESTMENT LTD, a duly registered real estate company who are the owners of 2 different estates in Lagos.

The estates are, Richview Estate(Ibeju-lekki) and Chrystland Estate(by St. Augustine University, Epe)

Remember, an investment that borders on land is the most secure form of investment.
.
.
.
Our corporate offices are located at:

Suite 56/57 Ikota shopping complex, VGC Lekki, Lagos.

And

65, Allen Avenue, First Bank Bus stop Ikeja, Lagos.
.
.
.
Now that you've examined the facts, you can go ahead to conduct your research of our company via the Internet.

But,

Copy and save my number on your device as "Jamal" first.

Then reach out to me after you make your findings.

Or you can just contact me on 07010816900 for more information.
.
.
.
To take advantage of our Landbanking Investment Project Pool(LIP) today, Reach me on 07010816900 or 07068736170.

How many years has this company been in business?

What is its website address?

I'm still expecting responses

I'm expecting responses

GOFRONT:
That man above me don Sabi Nigeria Colour finish...

The fact that he's the MD of PHED does not hive him right to flout government's orders

nyzeo:
I am 33 and I come from a state from the south south. I met a girl in Lagos 4 years ago who is from the south east and we have been very good friends ever since then.

I have developed very strong affection for her over time and we started dating. We really love each other now and we have have finalized plans to get married anytime between this year and early next year.

The issues now is that my parents are insisting I marry from my state, somebody who speaks the same language. It has caused me to have issues with my mother because she is the orchestra of all this tribal bigotry.

Please lala and house memeber make una advice me abeg. I have found someone who truly complements my life I really sincerely love this lady. Thanks

These people telling you to go ahead and disobey your parents will not be there when the storm starts.

I discovered through experience that marrying from your tribe saves you a lot of additional stress in marriage!

matrixme:

like what exactly do you require? as per knowledge?

Basic requirements for setting up such a company such as capital, equipment, IT and internet connectivity, software requirements etc

An insight into potential profitability margins

Demography of customer base.

Current standing of companies that are already in the business.

Potential gaps in the market that has not yet been explored by current players

I would like to get some insight into the workings of fintech companies here in Nigeria.

- Specifically I am interested in companies that have deployed loan apps eg Branch, Paylater, Sokoloan, Zedvance, Fastcredit etc.

- I am also interested in companies that process electronic transactions (payment of DSTV/GOTv subscription, Ikeja/Eko/Abuja/Enugu Electricity Distribution payments and solutions eg Paga, Quickteller, etc

- Agent banking services eg First Bank's Firstmonie

If you have worked in any company that was involved with any of the above please provide a brief description of the internal processes, minimum capital required, licences and regulation etc.

I want only people who have first hand experience and have a firm grasp of the processes especially if you were in Operations, Finance or Marketing

I will contact you privately to get additional information if I'm convinced that you have the level of experience and knowledge I require

I would like to get some insight into the workings of fintech companies here in Nigeria.

- Specifically I am interested in companies that have deployed loan apps eg Branch, Paylater, Sokoloan, Zedvance, Fastcredit etc.

- I am also interested in companies that process electronic transactions (payment of DSTV/GOTv subscription, Ikeja/Eko/Abuja/Enugu Electricity Distribution payments and solutions eg Paga, Quickteller, etc

- Agent banking services eg First Bank's Firstmonie

If you have worked in any company that was involved with any of the above please provide a brief description of the internal processes, minimum capital required, licences and regulation etc.

I want only people who have first hand experience and have a firm grasp of the processes especially if you were in Operations, Finance or Marketing

I will contact you privately to get additional information if I'm convinced that you have the level of experience and knowledge I require

teddyseun:




You are right with the transportation cost ,the terrible situation at the port caused the increase ,it used to be 200-250k from oyo before the whole messed up situation at the port.

Can you give an insight into reason your Romanian buyer are giving for the delayed payment.I can explain one or two things depending on what the reasons are.if it's ok with you,you can let me have the buyers name ,I might know the person,

Export of charcoal is good if you do the right thing( right quality)

- My problem is that the turnaround time for the business is very long because of the many bottlenecks you will experience.

- Apapa Port is always jam-packed so it makes it difficult to speed up the process

- It's not a business you can do with bank loan (You will die of high blood pressure if care is not taken because the bank will be charging you interest meanwhile your container of charcoal is still stranded trying to get into the port to offload)

- You need to search for a shipping line that goes to the country you're exporting to and use their container

How long have you been in the business and how have you been able to manage the above problems I described?

I can't disclose the name of the Romanian contact yet because I do not want to jeopadise the chances of getting back my money.

Urchman200:
Trump tested negative, some people won't be happy about that.

We know them