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Business / Re: How Do I Get A Business Loan Without A Collateral In Nigeria? by Refinedbeing(m): 6:00pm On Jun 25, 2021
If you know or have any information, please do well to share. Frustration, depression and sadness don start to dey set in fa.

Seun, Lalasticlala, Mynd44 e dakun help me with more views fa.
Business / How Do I Get A Business Loan Without A Collateral In Nigeria? by Refinedbeing(m): 5:58pm On Jun 25, 2021
I am an aspiring entrepreneur/businessman and i have tried whole lot of things to raise capital to kickstart my career but all to no avail. I'm in need of up to 5M(or even less) - 10M but it's like it's never possible. I know most businessmen of today kickstarted with loans from banks. I run 3 savings acct with some top Nigerian banks(First, GTB, UBA) and i don't even know which of them to contact for such(even though i run zero accts but mostly move huge money especially with First and GTB) or if there are microfinance that can rather help. I don't have any meaningful property that can be used as collateral but the business(es) i'm trying to setup can be then rather used.

I'm wasting away and i'm not getting any younger at all fa.
Business / Re: Share Your Experience As A POS Vendor by Refinedbeing(m): 4:36pm On Jun 10, 2021
teresafaith:

It's free but there's a clause.
You will put a down payment of 20k but your pos must run 2m(both withdrawal a d deposit) within 3months. or they'll come for their pos and return your 20k to you if it doesn't have any damage.
Thanks alot
Business / Re: Share Your Experience As A POS Vendor by Refinedbeing(m): 4:17pm On Jun 10, 2021
teresafaith:

Try applying for an opay android pos
Their charges are 6% on any amount (withdrwal)
10 for deposit from 1k to 5k
20 for deposit from 5.1k to 10k
30 for deposit from 10.1k and above

And you still enjoy 25% cash back from all your commission daily
You're the best. Haha. Thanks. Uhm like how much should i budget for the Opay POS? Thanks
Politics / Re: Friday Olokor Of The Punch Newspaper Brutalized By Police, DSS Operatives by Refinedbeing(m): 3:35pm On Jun 10, 2021
Lawalemi:
Think back. Maybe you offended somebody
"Major General Buhari" if you know.
Politics / Re: Friday Olokor Of The Punch Newspaper Brutalized By Police, DSS Operatives by Refinedbeing(m): 3:34pm On Jun 10, 2021
Major General Buharis boy finally caught up with Punch. grin
Business / Re: Share Your Experience As A POS Vendor by Refinedbeing(m): 3:23pm On Jun 10, 2021
Teresafaith thanks for this. Created a thread seeking info about this business. I want to start the business and i need advice on which of the POS is the best to apply for, how to get a POS and other general advice. Thanks

2 Likes

Business / Re: Starting POS Business i need advice by Refinedbeing(m): 11:00am On Jun 10, 2021
Hausa:
Actually, I didn't opt for BaxiBox. My colleague doing the pos business had some issues and needed a quick bail out. He was going to give the machine to someone in Gombe when I weighed in and offered to give him 50k in a form of lease - for 5 months. He'd give me back the money after 5 months.

Because it's a school environment and we see each other everyday, I've given out 27k with the hope that once reversal is made to them, I'll get my money back. They haven't been reversed by their banks even after 24 hours and it's frustrating.

I'm now asking customers to do transfers only because I really cannot tell when the machine is going to fail me. This doesn't seem right given I encouraged the customers to come to me instead of going outside to stress themselves.
It's getting me frustrated.
The guy claims it's normal. But I very well know it isn't.
It can be frustrating for real. How much money did you start with aside what you gave for lease? I'm thinking Opay
Business / Re: Starting POS Business i need advice by Refinedbeing(m): 2:43pm On Jun 09, 2021
richmond500:
Call on lalasticlala mynd44 and Dominique, if ur thread is worthy, they will help
Thanks bro.
Business / Re: Starting POS Business i need advice by Refinedbeing(m): 2:42pm On Jun 09, 2021
Hausa:
I currently leased the BaxiBox Credit card reader from a colleague for five months and I'm getting frustrated here.
5 people have withdrawn in the space of 5 days and while they got debited, the money never reflected on my card reader.

This is getting me frustrated as no normal machine is supposed to do this every now and then.
I don't even know what to do.
Hmmm. Quite sad. Sorry about that. Why did you opt for Baxibox in the first place amongst all the trusted popular others? First time i'm hearing of Baxibox and this is one bad review. What's your next move now? Quitting Baxibox or the business?
Business / Re: Starting POS Business i need advice by Refinedbeing(m): 2:11pm On Jun 09, 2021
Refinedbeing:
I'm trying to start POS business and i'll love to hear from people that are in this business or those that have in the past. I need advice on which of them is better, Opay, Quickteller paypoint, Paycentre, Paga, Firstmonie, Ecobank xpress point and others. What's the price of getting the POS and every other info.
Business / Re: Starting POS Business i need advice by Refinedbeing(m): 1:02pm On Jun 09, 2021
No one to advise me here?
Business / Starting POS Business i need advice by Refinedbeing(m): 12:24am On Jun 09, 2021
I'm trying to start POS business and i'll love to hear from people that are in this business or those that have in the past. I need advice on which of them is better, Opay, Quickteller paypoint, Paycentre, Paga, Firstmonie, Ecobank xpress point and others. What's the price of getting the POS and every other info.

1 Like

Politics / Re: Access To Twitter Denied From Nigeria Cyberspace - BBC Reports by Refinedbeing(m): 1:20pm On Jun 05, 2021
seanwilliam:
sometimes it’s better to remain silent. Stop posting nonsense!!
Your number isn't on whatsapp?
Travel / Re: Which Country Can I Travel To With This Amount by Refinedbeing(m): 1:17pm On May 30, 2021
RedSquid:
Invest it in what can give you 1.5 m after a year then travel later.
Na so investment easy ba.

1 Like

Career / Certification Course Advise by Refinedbeing(m): 12:23pm On May 30, 2021
Here is the link to the story http://nairaland.com/6574999/what-certification-course-recommend-business


Please advise me. Thanks
Romance / Re: These Diseases Can Be Transmitted Through Kissing by Refinedbeing(m): 1:10pm On May 28, 2021
Syphilis too.
Education / Re: What Certification Course Do You Recommend For A Business Person by Refinedbeing(m): 10:23am On May 28, 2021
Seanwilliam do u buy walmart giftcard?
Education / What Certification Course Do You Recommend For A Business Person by Refinedbeing(m): 10:21am On May 28, 2021
I don't know if certificate or certification is the right word to use but i need advise.

I had to quite school in my solphomore year due to familly going broke years ago. I want to return soon as a fresher but even though i work as a consultant presently i feel i'd be needing more than that abroad as i plan to go get the degree abroad. I plan to migrate either with education or other way.

Now the thing is i don't want to go around without at least a certificate that can increase my chance of getting meaningful job to do in a country where i wouldn't find it easy to get clients as first timer.

I'm a business person and my choice course have always bn Business Management and/or Administration even though i was studying for a degree in Insurance which i was enjoying before i left. So i need suggestions and recommendations for the best certificate course(even online, international).
Travel / Re: General South Africa Visa Enquiries by Refinedbeing(m): 6:09pm On May 19, 2021
Belle35:



Many thanks. I do not plan to go to SA at least not anytime soon. My major concern is how to explain this to the country I’m planning on applying for residency. I want to come clean but I don’t know how to explain it. Do I say I was asked to pay a fine but I did not pay it and when one fails to pay the fine, you automatically get a five years ban? Or I was told to either pay a fine or face a 5years ban which I chose to go with the ban? Which is the right way to put it?
Is it necessary you disclose that info in the new country you are applying for its PR? Afterall the passport is lost now.

2 Likes

Travel / Re: My Passport Dillema! I Need Advice by Refinedbeing(m): 10:44pm On May 15, 2021
joeymartinijnr:
Heres from another perspective.

Is your passport missing/expired already? If it has... Get an affidavit stating passport got missing on entry.

Apply for a replacement with the revised bio data.

Good Lück.
Hmmm. I still have till june next year on it. Thanks for your contribution.
Travel Ads / Re: Study And Work In Canada by Refinedbeing(m): 7:56pm On May 15, 2021
Jojopikin85:
I can assist get you to get an admission to study any course of your choice in Canada and also assist you with the visa processing. For more information call or chat me on WhatsApp 08139490620.
are u sure? Any age limit?
Travel / Re: USA Visit Visa Part 4 by Refinedbeing(m): 7:33pm On May 15, 2021
Who knows if the two years visiting visa is still on or cancelled already?
Travel / Re: My Passport Dillema! I Need Advice by Refinedbeing(m): 7:29pm On May 15, 2021
SanctifiedSista:
Please I want to renew my passport..who can help me out
Visit the nearest passport office.
Travel / Re: My Passport Dillema! I Need Advice by Refinedbeing(m): 7:20pm On May 15, 2021
etrange:
For starters, I'd ask why didn't you think of this before deciding to overstay? Ok, let's assume you were just "hustling" to survive then like most Nigerians do. Why didn't you think of this before deciding to exit using NIMC slip? You're asking for advice now that you've overplayed yourself but when you were being "smart", it didn't occur to you to create a thread asking for advice.

Having said that, I think you've got two options now:

Option 1) You either go back using any means but your passport, and then figure out a way to return using your passport. This way, you'd have return details.

Option 2) Get a new passport. You're even lucky African countries don't share immigration data with the western world (not sure if immigration data are even stored in digital format in Africa).

Sorry if that wasn't the kind of advice you were expecting.

Thanks. I should consider that no 1. And i never acted smart, just had to leave. Thanks again.
Travel / Re: USA Visit Visa Part 4 by Refinedbeing(m): 7:15pm On May 15, 2021
AfonjaBoston:


I am not a motivational speaker. Nobody will take your child's citizenship away and nobody will give you a tourist visa just because your child is a citizen m

As a parent myself, if my kid gets a denial to study in Harvard but Yale, Cambridge and Oxford dey beg na to shun Harvard go the other equally good schools.

Snow na snow weda e fall for New York or Russia, Egypt na all the same thing.

Except of course there is something underlying which anyone with common sense can smell.

Since you have been denied twice carry your pikin go another country to see snow and don't be selfish
Honestly is it a must you say something. If you can't help with her questions you no go sidon dey look? Some people self.

14 Likes

Travel / Re: USA Visit Visa Part 4 by Refinedbeing(m): 7:10pm On May 15, 2021
lucaschukwuka:
Hello, thanks to everyone who's contributed to this thread. It's no small job that is being done here.

I have a situation and I'd like to hear our experienced persons' take on it.

I want to visit the states so as to satisfy the fiance visa meeting requirement. Been more than 2 years since the last meeting between me and my gf of 10 years whom I now intend to marry.

Is the above a satisfactory answer when asked why I intend to visit the states? Do I need to bring proof of relationship to support my answer? I do have tons of those.

Also, I intend to run my masters degree in a university close to her home after we get married and I'm legally residing in the states. But just in case I apply for a visit visa and don't get it, will that affect my chances with f1?

What would you advice?

Thank you sincerely.

Why don't you go with the F1 then if you can afford it. That have a better chance.
Travel / Re: My Passport Dillema! I Need Advice by Refinedbeing(m): 6:53pm On May 15, 2021
fannybaby:
Continue please
Done.
Travel / Re: My Passport Dillema! I Need Advice by Refinedbeing(m): 6:42pm On May 15, 2021
So i didn't or lemme say couldn't get the exit stamp. Now i have just the entry stamp from Benin-Togo-Ghana but not exit stamp from same route. The entry stamp dis-virgined my passport too. Now my dillema is i'm planning to be up and running again but i don't know if i can correct this issue and how to go about it or if left so will not affect VO and Immi. decision on my future visa application. Honestly i need to go away now. Please your advise
Travel / My Passport Dillema! I Need Advice by Refinedbeing(m): 6:42pm On May 15, 2021
In 2017 i made some couple of mistakes, mistakes that made sure i'm still stuck in one place even till today. Later that year i got my passport, tried to leave for a better country but end up i didn't try at all.

Long story short, i eventually made the decision to move to Ghana instead just to go stay for a while and figure things out, i eventually over-stayed the 60 days ECOWAS entry visa, infact stayed well over 2 years before i decided to return home. When coming via land border i had to hid my passport as i know the penalty for overstaying would be much for me to bear; that's 60 cedis(@#5k) for every overstayed month, though they reduced it for some co-travellers that night but none of them overstayed even a year, there was one that overstayed 6 months and he was made to pay for the whole month so there was never a way i could afford over two years penalty then. I thus traveled with my NIMC slip.
Travel / Re: QATAR AND UAE GENERAL VISA ENQUIRIES Part 3 by Refinedbeing(m): 6:15pm On May 15, 2021
tonididdy:

Hi.
Will entry into cotonu via land boarder be issued an entry stamp on your passport?
Use the main badagry-seme border. I think Owode is recognised too but to avoid story that touch it's better to use the main border.
Travel / Re: QATAR AND UAE GENERAL VISA ENQUIRIES Part 3 by Refinedbeing(m): 6:09pm On May 15, 2021
Please what's the estimation of security salary in U.A.E and how soon can one land a security job?

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