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The Abuja dog walk (September 2018 Edition) Powered by Paws Connect took place on 15th September 2018.
3.5 KM Walk
Lots of Music
Lots of exercise
Networking....
October 2018 Edition loading...

Simply awesome and innovative. I can send money and pay bills straight from my keyboard while chatting and Facebooking!

Yes it is possible for ATM to dispense cash after you have gone but not in Nigeria. The standard set by the regulator for Nigerian ATMs is that Cash is dispensed first before your card is removed from the machine. Cash is not dispensed after you retrieve your card from the machine. The machine malfunctioned while processing your transaction...the guys at the back end can see the error so be hopeful.

Yes you can still get your money back. Just go to your bank and fill ATM complaint form. The complaint would be logged against Access Bank for reversal. The reversal could take up 5-7 days from the date it was logged to be effected. Cheer up

There are two NIMC Slips; the enrollment slip and the other one that has the NIN (National Identification Number). You can open a tier one Savings account with just a passport photograph and no identification but to operate a full savings account without restrictions, a valid means of identification like the NIMC slip with the NIN is required.

Hilarious! I was actually having a dull day until I read this comedy! OP thank you!

Pidgin2:
She was hungry?

Surely she didn't kill and eat them out of hunger. She was just a bad and jumpy mother who didn't know how to care for her kids. She slept and stepped on them, refused to suckle them and when they died she ate them.

Godswillu:
GT Bank have what is called cardless withdraw. I wonder if they will charge for maintenance too, if not that will be the way forward.

Every Cardless ATM withdrawal comes with a 100 Naira charge regardless of the bank terminal used to initiate the transaction...

Meet Chewy. She is 11 months old and we used to be best friends until she killed and ate her litter 5 days ago! I am downgrading her from a pet to a full-time guard dog...

Congratulations OP, getting two job offers in these trying times is indeed worthy of a Miracle!

Your answers to the questions below may help you come to a decision.

1. What are your career objectives?
2. Is the bank offer a contract job or one with a clear cut career progression?
3. Which of the offers is in line with your mid to long term vision?

Bank work in Nigeria is very tasking and prone to a lot of stress and may not give you time to pursue interests outside your job. However, it gives you the opportunity to understand your customers businesses and ultimately start yours since you'll be in Marketing.

Teaching on the other hand is quite exciting and affords you the opportunity to pursue other interests like your personal development (further your education), participate in reality shows, organise private lessons, meet students and parents of students who can change your life and ultimately spend quality time with family and friends. Note that the money from teaching may not come immediately but it'll surely come if you know what you are doing.

Note that I have spent 9 years across two banks and my mum is a teacher/school owner so I guess I should know something about both offers.

May God guide your decision.

Dear OP,

If your account was opened with a valid ID card (voters card,International Passport, Drivers License, National ID) and a valid utility bill such as PHCN bill, waste bill, etc you can lodge/withdraw/operate your account without fear.....also if the source of inflow is not from any illicit criminal activity like kidnapping, armed robbery and other related activities you have nothing to fear... However, if you do not have a valid id and utility bill uploaded on your account then the bank is expected to throw you to the wolves if your account receives any unusual and unexplained inflow!

Senators debating useless bills that adds no value to Nigerians since 1960....Sleeping or awake it makes no difference. He should just do his constituency a favour and sleep into the great beyond.

This 23 year old boy must have lived a VERY HARD life!!!

u haff really really suffered...

Ofcourse I remember posting it...I enjoy blowing balloons!

The article is enlightening but I don't think it applies to what we call banking in this part of the world. If you have worked or related closely with anyone who has worked with a foreign and a Naija bank you'll see the difference. A research conducted with our Naija bankers as subject is likely to yield a much more different result.

Eyop: What makes them the best? Just do justice to the question

Fidelity bank is actually very good in Foreign transfers and has received consistent international awards to buttress this. Customers with majority of their funds in other banks run their domiciliary transactions actively from Fidelity bank because of the excellent service. Transfer instructions sent before 12pm are processed and received by the beneficiary same day while transfer requests received after 12pm are credited the following day. Again the transfer charge is relatively low as it takes $78 to send $10000 that is; $26 swift charge, 0.5% vat on transfer charge and 0.05% concession on the actual transfer amount. The swift amount is fixed and regardless of transfer amount while the vat and concession vary with the transfer amount. You can also open a domiciliary account with $100 and you are not requirwd to maintain a minimum balance. The account opening process is faster if you already have an existing naira account since they already have your documentation....same documents required for opening current accounts apply. Domiciliary accounts attract a charge of 0.2% for cash withdrawals....

What is your location? Also post the photos or let me have your Blackberry pin.

Fidelity Bank has a product for employees called FIDELITY SALARY ADVANCE SCHEME. Employees can obtain loans of up to 5 Million Naira with payment spread across 36 months. Obtaining this facility takes 24 - 48 hours max. However, only employees in the civil service and duly registered companies can access these loans with an introduction letter from their HR. Some of my pals are already funding projects with this facility. Visit any Fidelity bank branch for more info.

I recommend watching this movie to every couple who intend staying happily married.



Fireproof is a 2008 American Christian drama film released by Samuel Goldwyn Films.

As a little girl, Catherine wants to marry her firefighter father. Her mom says, "You can't marry Daddy, I'm married to him." The film relates what transpires 25 years later.
Catherine is now married to young firefighter Caleb Holt (Cameron). On the job, Caleb lives by the motto "Never leave your partner behind", forcefully impressing this dictum on the men in his fire crew. But his marriage with Catherine (Bethea) is suffering and she wants a divorce. Differing life priorities have led their marriage to a breakdown. She complains that he is addicted to internet porn; she views his saving money for a boat of his dreams as selfish, thinking that the money should be used to provide her ailing mother's medical equipment. Caleb feels respect from everyone except his own wife, who he says does not value him.
Caleb's father John challenges him to commit to a 40-day "Love Dare" (a real-life Christian devotional program designed to strengthen marriages, also written by the film's writer, director and producer team of Alex and Stephen Kendrick.) Caleb reluctantly agrees to try it, and begins following the program in an attempt to win Catherine back. But she doubts his sincerity, suspecting his real motive as a ruse to obtain a better divorce settlement. She sees Caleb's actions as half-hearted, like the inexpensive flowers he buys her. Caleb learns, though, to refrain from blowing up in anger or insulting Catherine to her face.
Frustrated with her coldness, but with John's encouragement, Caleb continues on the plan. His close friend Michael (Bevel) also encourages Caleb to become a born-again Christian. He illustrates the together-yet-different nature of a healthy marriage through salt and pepper shakers he has glued together. Caleb may try to pull them apart, but if he does, the contents will break one or both of them in the end.
At the hospital where she works, Catherine begins flirting with the friendly Dr. Gavin Keller (Perry Revell), and tells him of her mother's medical problems. Meanwhile, Caleb injures his arm in a firefight, and is brought to the hospital. A nurse inadvertently says (in front of Dr. Keller) that Caleb is Catherine's husband.
Continuing his 40-day challenge, Caleb begins doing more household chores and errands. He leaves her more expensive beautiful roses, and even smashes his computer to remove its temptations. But Catherine still thinks he has an ulterior motive, and remains intent on divorce.
Catherine learns that a new wheelchair and bed for her mother have been paid for in full. Assuming that Dr. Keller bought the wheelchair, she arranges a lunch date to thank him. Meanwhile Caleb discovers Dr. Keller's budding relationship with Catherine, and warns him he will not let Catherine go without a fight. Dr. Keller begins to distance himself from Catherine. He tries on his wedding ring, but it no longer fits.
One morning Catherine is home sick, and Caleb decides to take care of her. She asks why he has changed his behavior, and he tells her about the Love Dare and apologizes for his past selfishness. Catherine says she needs some time to think about their future. A few days later, she learns that it was Caleb, not Dr. Keller, who paid for the lion's share of her mother's new medical equipment, exhausting his long-term boat savings. Finally she sees that Caleb's desire to change is sincere. Ashamed of doubting him, she dons her own wedding ring, dresses and makes herself up, and rushes to embrace her husband with the respect and admiration he has craved.
When Caleb thanks his dad for the Love Dare, he is surprised to learn it was his mother who first did the Love Dare on John, not the other way around. The young couple renew their wedding vows in an outdoor ceremony, this time as a covenant with God. The closing shot shows their wedding cake, with salt and pepper shakers for its bride and groom statues.

caesaraba: Like you, I'm also Idoma from Benue. Although the statistics may have been exaggerated, it isn't far from the truth (especially in the rural areas).

Still trust the Suswan - led govt to maximize this for personal gains though.

I'd like your opinion on this. Thanks.

I agree with you that sexual promiscuity is especially high in the rural areas and in my opinion due largely to ignorance and the quest to belong to a perceived cool generation. However, I don't believe that the sexual proclivity of Benue people is different from any other tribe in Nigeria. I have resided in different zones of this country and related with folks from different climes and I find some of the comments here laughable. I am certain that this statistics is a brilliant idea to attract foreign aid and make some folks smile to the bank.

Interesting statistics...I can imagine the United Nations and donor agencies pumping foreign currency into Benue State and some sharp guys smiling to the bank. Very interesting!

The civil service is an embarrassment and re-positioning it for better performance is long overdue and a step in the right direction if the government is sincere. Based on the previous policies of this government it is going to be a herculean task to convince any reasonable person that the government actually mean well. I am not convinced that shedding 50% of the civil service workforce would free resources that would be used in any positive economic undertaking as corruption and not large workforce is the major problem confronting Nigeria. With due respect to champions of SLS, I am yet to see the so-called revival in the banking sector since loans are not been granted and banks are no longer recruiting massively... the major business of a commercial bank is loans/investments/financing which stimulate economic viability and consequent job creation. I am certain that if the government can prove itself in managing whatever resource is left after paying staff salaries and benefits it wont find it difficult in winning support for any of its policies. Interesting country, interesting people.

I think its an annoyingly funny question coming from a person who you know doesn't really care if you had nightmares or a splitting headache as a result of your neighbors overnight generator noise! A simple good morning will do.

My take:

The average Nigerian business operates like a monopoly as if its doing the customers a favor. Hopefully this will change as globalization creates more alternatives for the consumer. Lack of professionals in the Nigerian service industry doesn't help too as the norm is to hire just one professional service person to supervise a team of majorly non graduates and graduate contract staff who are only trying to survive while waiting for the next job opportunity to scram. Even the telcos who should know better are the main culprits in this do-more-with-less syndrome as a call to any of their customer service lines would leave you wondering if the saying about a customer being king is not the reverse as the lack of passion and lack lustre tone of voice signifying non commitment holds sway.Passion and Service is something that any serious business entity protects jealously. Don't get me started on the pretty faces with sour expressions in the banks and the regulatory authorities that are not stimulating healthy competition... if there is true competition service cannot be compromised on the altar of poor service and funny cost saving tactics. Methinks staff with passion and the right attitude should be profiled and placed in customer service and well paid so that they can make a career out of it...

Deploying ATMs is capital intensive and taking into cognizance the dearth of infrastructure in Nigeria I am very skeptical about this move by CBN. The cost of maintaining these machines too is very steep due to bad notes,unstable power source and inadequate ATM technicians. Contrary to what most people believe, most banks spend more money running ATMs than they make from it and are only in the ATM business for image sake. Maybe this will work when electricity is constant, internet becomes very cheap and the quality of Naira notes loaded into ATMs become much more durable. Also not realistic is banks bearing the service cost for the likes of interswitch limited, Valucard,Etranzact and the ISPs who thrive on these inter bank transactions? Is ATM transaction free in other parts of the world? Somebody please school me. If the ATM business is so profitable how come we dont see so much interest from the ATMCs touted by CBN when banks were asked to withdraw the ATMs outside bank premises? The drive for a cashless Nigeria is a welcome development but methinks that the necessary infrastructure should be on ground first to avoid putting the cart before the horse. Knowing Nigerian banks I am certain that somehow the cost will be passed to the customer through COTs, monthly e-service charges and in the worse case scenario ATM deployment will become unattractive and the machines will find a way to pack up. I think the egg heads in CBN should go back to the drawing board.

OP: This could be job related. Are you a Banker?

I like this topic. Mine was in 2006 at an interview with the HRM of one of the top Nigerian banks. The time for the interview was 9am and the night before I had my borrowed suit pressed, shoes well shined and ready to roll. unfortunately for me it started raining heavily and ceaselessly on the interview morning. Long story short I had to jump into the rain and fly an Okada from CMS to the banks Head Office in VI. I was soaked. I had just dropped from the Okada into the lobby and trying to clean myself up when one of the assistants ran into the lobby looking for me! Well, I rushed in looking like a wet chicken only to meet the cute HRM snacking on gums and gisting with another cute lady who came to visit. The only question madam HRM asked me was to tell her the colour of the building. I was embarrassed. How was I to know the damn colour when I had just rushed in after a mind-blowing Okada ride in the rain? Anyways I got the job but left after 16 months! World class organisation with crazy work hours.

Peeps I have worked in a bank for seven years and I find this post extremely hilarious. My opinion is there is a lot of misconception about bankers especially in money spending matters. Banking is highly over rated and bank workers are constantly under pressure to live up to expectations from family and friends...I could be earning lesser than my friends who work in other sectors of the economy and yet be expected to pick up the bills when we hang out... it takes wisdom.

In my early days in banking women came to me in droves and I simply slept and dropped them before they activated their outrageous demands because I knew they were attracted to my profession and the misconception it represents. It takes courage and a high level of responsibility to ignore the antics of attractive women especially if they throw themselves at you... Bankers are smart not stingy...I advise ladies of easy virtue to go for politicians who are more than willing to throw their loot around.