₦airaland Forum

Made by my wife and I. We got married this month

It contains iPhones. Saw in a video on YouTube

Hi guys!

I have my wedding slated for next week, December 4. All preparations are in top gear. But one ugly situation seems to be bringing its ugly head up to tear things apart.

The wedding engagement is happening in Ikorodu, Lagos. I reside in Ota along Idi Iroko road. My dad's house is also in Ota but closer to Lagos.

Some hours ago, I informed my dad of my plans, telling him I'm leaving OTA on Friday for a hotel in Ikorodu area where I will be till Saturday so as to be settled and prepared.

I also planned for my friends (ore oko) to arrive at the hotel on Friday with me so there'd be no delay as the wedding would be starting by 10 am prompt.

Then my dad said it won't be possible. That I must leave Ota on that Saturday and go with him from our family house to the engagement.

Note: My friends are coming from Akure to Lagos and I planned for us to get lodged together on Friday to the next day. Would it be on Saturday I would ask them to start coming? Also, Ota to Ikorodu is between 3 to 4 hours journey, with all the traffic stress.

Is it a must that the groom comes with his parents and the rest of the family members, when it's not an introduction?

Kindly help push the topic to the front page.

See it as your pension

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The Financial Technology (Fintech) industry in Nigeria has come to stay, as it took the lead in Africa attracting $122 million in funds in 2019. This was disclosed in the 2019 African Tech Startups Funding Report.

The report stated that African tech startups, with 311 companies secured $491.6 million worth of investment in 2019 and Nigeria got 24.8% of that fund. The number of investors in African tech startups jumped by 61% to reach 261.

Financial Technology FinTech, Job loss, Accion Venture Lab, Fintech: Growth frontier of the next decade


Details: The report details how Kenya and Nigeria emerged as the premier investment destinations on the continent in 2019, attracting US$149 million and US$122 million in funding respectively.

Egypt continued its development into a major continental tech hub, with more startups from the North African country securing investment than anywhere else. South Africa’s growth slowed, according to the report, which also contains in-depth data on the investment landscapes in Ghana and Uganda, as well as an overview of activity in 13 other countries.

What you need to know about Fintech: The sector remained the most popular among investors, though its share of total funding fell to 21.8% as other sectors, notably logistics, transport, e-commerce, agri-tech, and e-health, enjoyed bumper years.

The report also provides information on funding activity in six African countries; figures on the number of deals per location, and average deal sizes; data on growth in funds and deals over the past five years; highlights of key deals across the continent; sector-specific breakdowns across 13 sectors, and tracking of acquisitions in 2019.

Meanwhile, Nairametrics had reported that the transactions recorded by some Fintechs in 2019.

Standard chartered

With the entrance of new players into the payment services market and the strengthening of the financial networks, a growing number of underserved Nigerians had access to cost-effective banking services.

Visa/Interswitch
On November 12, 2019, Interswitch, Africa-focused integrated digital payments, and Visa (NYSE: V), announced a strategic partnership that further advances the digital payments ecosystem across Africa.

As part of the agreement, Visa will acquire a significant minority equity stake in Interswitch at a total company valuation of $1 billion. Visa is thought to be paying $200 million, valuing Interswitch at about $1 billion (N360 billion)
Founded in 2002, Interswitch reportedly generates annual revenue of N30 billion, suggesting that the current value is about 10x its current revenues. Interswitch is also now valued higher than FBNH (N208 billion), UBA (N225 billion) and Access Bank (N327 billion). Zenith Bank still owns a 5% stake in Interswitch and is currently valued at N538.4 billion.

In addition to its switching and processing services, Interswitch owns Verve, the largest domestic debit card scheme in Africa with more than 19 million cards activated on its network as of May 2019, and also operates Quickteller, a leading multichannel consumer payment platform, driving financial inclusion across Nigeria.

Transsion/OPay & Palmpay
In two separate rounds, Chinese investors put $220 million into OPay and PalmPay, two fledgeling startups with plans to scale in Nigeria and the broader continent.

PalmPay, a consumer-oriented payments product, went live in November with a $40 million seed round led by Africa’s biggest mobile-phone seller, China’s Transsion.

The startup was upfront about its ambitions, stating in a company release, its goals to become “Africa’s largest financial services platform.”
To that end, PalmPay conveniently entered a strategic partnership with its lead investor. The startup’s payment app will come pre-installed on Transsion’s mobile device brands, such as Tecno in Africa, for an estimated reach of 20 million phones.

TeamApt
Nigerian Fintech startup, TeamApt also raised $5.5 million capital in a Series A round led by Quantum Capital Partners in February. The Lagos based firm is expected to use the funds to expand its white label digital finance products and pivot to consumer finance with the launch of its AptPay banking app.

Andela
Another Tech startup, Andela raised $100 million in Series D funding in January 2019. Generation Investment Management (Generation IM) led the current funding round.

Proceeds of the funds, according to Andela’s country director, Omowale David-Ashiru will be used for expansion.

“Due to our unwavering commitment to our mission throughout the last four years, Andela has grown into a thriving platform for hundreds of technologists in Nigeria. With this investment, Andela will accelerate the development of Africa’s best tech talent in Nigeria and beyond.”

Lilly Wollman, Co-Head of Growth Equity at Generation Investment Management stated that the private equity firm believes there is room for growth in Andela’s area of operations.

She said, “The global demand for software engineers far exceeds supply, and that gap is projected to widen. Andela’s leading technology enables firms to effectively build and manage distributed engineering teams. We are great admirers of the outstanding team, mission and culture Andela has built across two continents and five countries.”

CBN seeks standard practice from fintech operators, GTB, UBA, 8 other DMBs record N135.15 billion earnings from e-transactions , Body of Bank CEOs and telcos to meet over USSD charges, Fintech: Increasing funding rounds affirms growth opportunities

Hurdles of the industry
Like other sectors, FinTech also has its challenges. From lack of appropriate regulation to access to credit, lack of established database, strategic partnership and corporate governance limitations among others, the industry still has a long way to go.

No wonder, FT Partners declared that the nation’s journey to becoming the Giant of Africa, especially in financial inclusiveness, is farther than it appears, as its payments market fell behind other African nations like Kenya, and South Africa.

In FT Partners’ FinTech Industry research, it found that 6% of the nation’s bankable population has mobile money accounts. The report, which was obtained by Nairametrics, rated the most populous black nation behind Kenya’s 73% and South Africa’s 19%.

Also, Nigeria’s Smartphone penetration (27%), accounts in financial institutions (39%) and debit/credit card ownership (35%) all fell behind Kenya’s 60%, 56%, 44%, and South Africa’s 64%, 67%, 43% respectively.

In all, while the firms are trying to keep their heads above water, Emefiele explained that as part of the bank’s priorities for 2020, it would also, sustain these efforts in 2020 as part of its plan to reduce financial exclusion rate to under 20% over the next year.


https://nairametrics.com/2020/01/30/nigeria-fintechs-take-lead-in-africa-attract-122-million-fund-in-2019/

I'd like to know if there are any available, reliable and inexpensive health insurance schemes in the country.

I know about the National Health Insurance Scheme (NHIS) but I couldn't get much information about it (the benefits available to the enrolled, how to apply and the cost), even on the dedicated site.

So I'd like to know more about the NHIS or alternative schemes that work in Nigeria which anyone has been into or knows about.

LostAddict:
I have messaged you severally on WhatsApp bro

You're a mumu man

OP, you're mad.

Firstly, you want professionals.

Secondly, you want them to turn out 4500 words on average every day, which is impossible.

Lastly, you're going to pay 15k weekly. That's the rate of 45 Kobo per word.

31,000 words on Upwork equals around $300 to $1500. That's around N100,000 to N500,000.

You're not only mad, you're cruel and evil. Your father!

Some idiots will apply. To you mumus who will apply, use your head.

You cannot possibly turn out 30,000 words contents in a week. If you can, then it will be plagiarized. With these, at the end of the week, he'll pay you nada, for not being able to meet up.

Let's rid these mofos out of Nairaland

Very true. 2-year-old at the time, my daughter was diagnosed of rickets. Scans showed she was deficient in calcium and some vitamins. One of her legs bowed and the other kayed. We gave her cereals and Peak 123 for almost a year. Nothing changed. We got back to her hospital and the doctor asked we change her milk to Loya. You should see the way the doc was emphasizing it. Shouting at the top of his voice: "give her Loya milk".

Just three weeks after, her legs are taking the right shape. It was until recently I realized it has the largest percentage of calcium among milk brands in Nigeria. No coincidence at all. Recommending the milk brand for people who need calcium

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Topic: Chickens and the Dreaded Poxvirus

Ask any poultry entrepreneur around and he will, without much thoughts, confirm to you the poxvirus is one of the most persistent and deadliest diseases which affects poultry birds year-on-year.

The reason for its perennial prevalence isn't far-fetched. Just as mosquito bites equate to development of malaria parasites in humans, so are mosquitoes (the culex mosquitoes) a leading cause of the poxvirus in poultry birds.

For birds with no vaccination against pox, especially in flocks, symptoms such as lethargy, lack of appetite, partial/complete closure of the eyes, and/or liquid dripping from the eye(s) may start appearing among your birds. In worse cases, you may begin seeing purulent skin eruptions on areas of their skin with no feathers, such as their legs, face or even beaks.

FINAL WORDS

If the disease is not quickly diagnosed and the affected birds vaccinated, the poxvirus could start killing them in just 2-5 days following first symptom.




Please note: This article is an original article written from the writer's firsthand experience and findings made. Nevertheless, I write for various niches such as business, technology, health and more.

If you have a gig for me, I can be reached though: odutolutimothy@gmail.com or 09068880930

Deyemmy:
We are currently looking for talented and creative English Writers who can write unique, creative and 100% grammatically correct eBooks, Fiction and Non-Fiction, articles, etc.

Requirements:
- Strong writing skills
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Note: When applying, please send a sample of your past work.

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I sent a mail through odutolutimo@gmail.com

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Congrats to the reds.

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The first 10 people will have their account created for 2k only and payment after approval is accepted.

I'm interested. Mail me

no wonder! has anyone seen a fat Fulani before? Whew!!

The world's new architectural wonder and the largest church auditorium on earth, the 100,000-capacity Glory Dome, was finished and dedicated with mouths left widely agape. And the half of the world can't help but wonder how it was possible in such a setting, without the inclusion of the efforts of any external or international construction firm.

As is usual with the Nigerian mentality, many Nigerians could only see the investment as irrelevant and a misplaced priority. The social media has been awash by thought that what the country needed was a private social infrastructure such as a health center, an event center, or a public organisation of that grand structure, and not another of the many religious investments...and I laugh!

The fact is, those who are of this ill-thought-out perception are myopic, thoughtless and lack proper insight. Not talking about the fact that God deserves a structure as big as that, the current Nigerian social state is such that doesn't support or command tourism – an economic aspect in which developed countries generate billions of dollars from every month. Nigerians can spend millions to go to Mecca, Medina and Jerusalem but cannot support the alternatives that are being put up here!

The Glory Dome is now one of the world's wonders and the inflow of tourists and consequently, economic benefits, more than a single private or public business organization, which it will command will surprise many.

Currently, the likes of The Synagogue and Winners are the largest commander of tourism in Nigeria. The thousands of employment opportunities, foreign exchange inflow and investments religious tourism brings cannot be overestimated. I think it's high time we stopped looking at the religious sector as anti-govermment because we think it doesn't generate public revenue i.e. nonpayment of taxes, or give social services, apart from the spiritual growth it focuses on.

Of course, spiritual investments solely do not guarantee societal and behavioral changes, but is there anything wrong in having structures the likes of Rome, Mecca, etc use in getting social and economic growth?

In terms of employment opportunities, the Dunamis International's Glory Dome engaged over 5,000 indigenous construction workers. And it's still going to command hundreds of salaried workers for its day-to-day running. It doesn't matter what strategies used and the way we do it, this country has to be free of the shackles of chronic unemployment.

THE GLORY DOME: MAJOR CONCERNS
My only concern about the new structure is in its safety. It's going to house tens of thousands or even hundreds of thousands of people, both from the country and from around the world, on a weekly basis. But is the structure safe enough for that number?

In a recent interview, Dr. Paul Enenche, the founder of Dunamis International, while explaining how the structure was accomplished with zero debt or borrowing, made a claim of fact which exposed what could be a major concern about the building's safety.

He said:
"There are very few in the world. Then, you are again spanning 274 metres. A football pitch is 90 metres, that means two football pitches under one roof without a pillar. That is a wonder."

Yeah, you have it! An 100,000-seater auditorium without a single standing pole or pillar to support the bulging and magnanimous roof. I'm not a structural engineer or an architect, but don't that sound eerie? I hope it portends no ill fate but my thought is that a structure built to last for probably tens or hundreds of years is supposed to have better safety assurances.

The fact the engineering and construction was carried out without engaging any local or internationally-renowned construction firm also calls the safety into question. In fact, Pastor Enenche said all the architects, structural engineers, mechanical engineers, etc were selected from the church, not even among the experienced private construction firms in the country or around the world.

There have been countless of architectural and engineering disasters in recent months and years, we do not have the heart so wild to bear another heartbreak so mercuric as those of the Synagogue 2014 disaster which claimed 114 lives and the church collapse at Uyo, Akwa Ibom which caused hundreds of casualties.

It's great to move on from the First World dependence and cultural imperialism, which have killed our society, by encouraging, building and engaging local manpower. But, first, quality and safety have to be in place.

If the Glory Dome has passed proper government go-aheads and protocols on public safety, then the new auditorium would definitely lead to a more buoyant religion tourism, and other positives such as the creation of employments, amongst others.

I'm not an overly religious fanatic, but I'm for development in whatever form. If this new investment could dot the I's and cross the T's in terms of public safety, then it's a highly welcomed development.

– By Timothy Odutolu ©

TechCapon:
[color=magenta]TechCapon[/color]

https://i2.wp.com/techcapon.com/wp-content/uploads/2018/11/Contrail-March-31-2016-CROP.jpg?w=864&ssl=1

Have you ever looked up and saw an aircraft flying with long white lines like gas behind it ? I’ve seen it many times and what the aeroplane is doing is called fuel dumping. Now you’ll be wondering why pilots will dump fuel considering the fact that aviation fuel is very expensive and also causes serious pollution to the environment. In this post techcapon be explaining to you why it is necessary for the pilots to dump fuel sometimes.

https://i0.wp.com/techcapon.com/wp-content/uploads/2018/11/19190-f36550a25c58e47420b01b05a2cfb2e0.jpg?resize=768%2C432&ssl=1

Now this also includes our local airlines in Nigeria like DANA, AERO etc. Although fuel dumping is more common with airlines that travel long distances and make international flights. Before take-off, the airline do the maths. They calculate how much fuel is needed to the aircraft to complete their journey and they fill the aircraft tanks with enough fuel to make the complete their journey. There are some terms I’ll like to explain in this post for you to understand how it works.

Dry operating weight: This is the weight of the plane without fuel, passengers or luggage.

Payload: This is the weight of the passengers and their luggage

Zero fuel weight: This is the weight of the fuel needed to reach their final destination including reserve.

Dry operating weight + Payload + Zero fuel load = Take-off weight

Take-off weight MUST always be greater than landing weight

https://i1.wp.com/techcapon.com/wp-content/uploads/2018/11/british-airways-landing-HEATHROW1016.jpg?resize=768%2C480&ssl=1

The major reason why pilots dump fuel is because the landing weight of the plane exceeds the maximum. Inside the cockpit, pilots have a meter that tells them the weight of the aircraft at all times. For example, Boeing 747 aircrafts have a maximum landing weight of 312000kg.

Anything above that weight will cause the aircraft to suffer serious damage during landing or even crash during landing. Infact, if the maximum take-off weight is above 312000kg, the cockpit will blink red lights and give the pilots warning. The question on your mind right now will be, if the airline calculates how much fuel is needed to arrive their destination, why dump fuel before arriving ? The answer is simple.

bullshit. crap

Closed!!!