CallmeLucy:
Just had a look at your blog and I can tell you've put in a lot of time and hard work into it.

Instead of applying for adsense accounts, then waiting for Google to approve it, then you have to verify it before you can get access to your funds if you generate some sort of income via google from your blog.

You should just buy a verified adsense account, you can either get a Nigerian, UK or USA verified adsense account and that's gonna make your life a lot easier.

If you would like to buy a Uk verified adsense, contact me on WhatsApp and I can provide one for you immediately.

thanks for your comment

bedfordng:
buying adsense will be at your own risk. as for getting approved , you need to put your site in order, template with easy nav, mobile friendly , about, contact , privacy policy pages , make sure your writeup has 500 and above text with few images .

Thanks for your advice, I appreciate you.

lyoncaffrey:
Verified Nigerian AdSense for sale with $75 in it.

Call/WhatsApp: 08083383113

How much is it and where are you based?

www.scholarsarena.net
Please, help me evaluate my website

kenniefawole:

First , adsense approval is quite simple and easy , your blog design looks okay , what the reason for your disapproval ,reach me on WhatsApp 08066297076

Thanks for your contribution sir.

FitnessDoctor:


You are losing a lot of money there. Adsense is usually great for scholarship blogs and I know two people who are making it big with scholarship blogs.

1. Simply, read the instructions in Google Adsense Guidelines and stick to it. You said the reason they keep disapproving you is unclear to you. But I think you should copy and paste that reason in google adsense forum, there adsense experts will help you explain it.

2. No Pros, No Cons

You simply buy an approved non-hosted (hosted means it can only work on .com while non-hosted means it can work on .com .net .org .com.ng .ng and all others). I am using one I bought for my site right now after selling the one I got approved for.

3. Nigeria adsense is one which your register as a Nigerian, while USA Adsense is one you register as an American using foreign ip nd infomration. USA adsense is much faster in fetching you money, but the verification process is hell (so I have heard).

Wow, thank you so much. Your submissions are of great help to me and I am grateful.

I need more answers please

Hello friends,
I have a scholarship website I have been running for some months now. It's www.scholarsarena.net
I have invested quality time and money to make the blog a success. Currently I get over 2000 visits from different countries of the world everyday.
Recently, I started looking for ways to monetize the blog and I applied for google adsense but they turned down my application for reasons unclear to me.

Now, I have three (3) questions on my mind:
1. To webmasters in the house, what are the steps I need to take to facilitate adsense approval for my website?

2. I heard one can buy an already approved adsense account. If I decide to buy an approved adsense account, what are the Pros and Cons?

3. what are the differences between a Nigerian and UK or USA adsense?


Thank you all for your anticipated helpful and quality submissions.

All improvements under Apc are always on paper. When will Nigerians feel these improvements?

congrats to him

You are far away from home, go back kid.

Quace:
I give up on u

The Hillcity Foundation Educational Support Programme seeks to promote the attainment of quality education by supporting young, needy people to achieve their dreams and fulfill their destiny.
An uneducated young life is a potential hazard to the society. Hillcity foundation hopes to empower young people by providing them some educational assistance annually.
The aim is not to provide absolute scholarship but it’s just a way of supporting & motivating them to release and maximize their potentials.

The Educational Support Programme as a unit of the Hillcity Foundation will focus on providing educational assistance to needy young persons, hence, enabling them fulfill their destinies.

We seek To empower young people intellectually, translating to all round empowerment – socially, financially, morally, politically, etc.

To provide educational assistance to deserving young people aimed at motivating them to release /maximize their potentials.
100+ scholarships /year

Eligibility:
1. Must be a Nigerian.
2. University Undergraduate student
3. Age range 16-25 years
4. With potential/hungry for greatness but financially challenged (with evidence)
5. Verifiable supporting Educational Documents
6. Completing Hillcity Educational Support application.

To apply, visit: http://hillcityfoundation.org/HCFGLOBAL/

http://www.scholarsarena.net/hillcity-foundation-scholarship-20172018/

cc: lalasticlala Richiez, olawalebabs

Quace:
even the reference u gave is not the original source , this was taken out of a video on YouTube by prince ea "I just sued the sch system"

You obviously didn't read the post.
If you did, you would have noticed how the write-up was inspired and moreso, the fact that the source of inspiration was duly acknowledged.

Always read before making shameless accusations

swiz123:
Inspiring write-up.If only all will read before commenting.



Our educational system makes me wonder if education as a whole is overrated. Being academically brilliant doesn't guarantee that you will be more succesful than a dullard. (our president is a dullard,ffk just an ex minister)

My brother, if wishes for nigeria were horses, our country would have been better.

Quace:
. y u too de copy n paste

It's called 'sharing valuable news' and there is no law in nigeria against sharing information as long as the source is referenced.

Obviously, you don't know these because you are just an empty head with big mouth

nNEOo:
SCHOOL- "a system designd to condition U against YOU"

Aptly put...

Well, our education system is be-devilled with lots of ills and maladies. A system that focuses not on who you are but on whom you are configured to become is bound to under-develop you.

This has even become so pronounced that it now has an infamous cliche “school has to pass through you as you pass through school” to subtly express the worrisome situation that school is meant to crush your natural latent abilities and bull out “a new You.”

The Nigerian Eduaction system, in particular, is like the proverbial rat-race. We just keep going forth and back with all Our “Nigerian factors” as garnishment.
Our case is even worse as our people literally abhor “thinking out of the box ” in challenging the status quo of our fundamental and foundational institutions.

We must therefore make conscious efforts to spread this message and positively impact the lives of our future generation.

This morning, when I was watching Ken Robinson’s “Do school kill creativity?” TED TALK he made a statement that piqued my curiosity. He said,

“Many creative, brilliant, talented people think they are not, because everything they were good at school wasn’t valued or was stigmatized”.

Okay. Imagine this: A classroom filled with students. The teacher after dishing out some mathematical theories and formulas went ahead and gave a test. Some students were talented when it comes to calculation, others were just okay, and some students totally sucked at mathematical calculations. The teacher rate every students work. Some got an A, others B, some D while the rest got a big fat F.

The students who got A’s are applauded for their wonderful performance; they now believe they are very much brilliant than others but those who got an F…Well, they start to feel like they are losers and aren’t good enough.

When I was in Grade 4, my teacher once told me, “You see these stories you keep writing? They won’t get you anywhere if you keep getting poor grades in school”.
You see, I was just seven years old then but that statement alone demoralized me so much that I stopped writing and focused on school work.


There is this quote that I love; I am not sure who actually said it. It says;

“Everybody is a genius. But if you judge a fish by its ability to climb a tree, it will spend its whole life believing that it is stupid”.

You know why right? A fish CANNOT climb. It’s like asking a monkey that is very perfect in climbing trees to go swimming. The monkey will definitely get drowned.

That’s exactly how we humans are. We all have our niche; something we are so good at. But you see, our educational system places much emphasis on academic subjects that our natural gifts are brushed aside and dumped in a waste bin. We are told, “You can never make out a living doing them”, just like my Grade 4 teacher had told me.


In schools, we are being programmed like robots; listen to teachers/lecturers dish out lessons and theories; some even read directly from the textbooks like they are newscasters; they give us notes to copy and then at the end of the day we ought to memorize every damn information in our notes and textbooks, take a test and pour out all we had crammed.

One week later, ask us what we read, we can’t even remember and the cycle goes on and on.
If by chance, you aren’t successful in the test/exam, the school system deems you a failure. You hide your face in shame and conclude that you are a loser.
It’s so sad that in our battle and pursuit for good grades, degrees and certificates, we have lost the true meaning of creativity.

Tests and exams aren’t a yardstick for checking creativity. It goes beyond that. Creativity means thinking out of the box, breaking boundaries and seeing beyond the ordinary.


In schools, we are taught to be scared of making mistakes. There is only one answer and if you are wrong, it’s one of the worst things that can ever happen to you. You don’t even get a chance to question most things you are taught. You just accept them hook, link and sinker. But how can anyone ever come up with something original if the person isn’t prepared to make mistakes?

Don’t get me wrong. I am not trying to take a jab at teachers or school administrators. Truth is, they are doing their best to help us learn. The problem is just the way they go about it.

Perhaps if the same emphasis placed on academic subjects is placed on helping students develop their natural gifts, it will create more opportunities for divergent thinking.

And maybe, we won’t have a bunch of frustrated adults seated in their offices, tired of their jobs and wishing they were brave enough to go after their dreams. Don’t settle in a box.



http://annsbleedingpen.com/blog/2017/10/21/schools-stifle-creativity-dreams/

cc: lalasticlala, mynd44, Richiez, olawalebabs, Fynestboi

Good luck to all applicants.

Ask your questions regarding this scholarship on this thread

The Lagos State Scholarship Board is the agency in charge of scholarship, bursary and other related matters within the state. It grants Scholarship awards to deserving indigenes in various tertiary institutions for full time studies in order to assist these students financially.


PROCESS FOR ELIGIBILITY FOR LOCAL UNDER-GRADUATE SCHOLARSHIP AWARD.

THIS SCHOLARSHIP SCHEME IS FOR LAGOS STATE INDIGENES ONLY STUDYING IN ANY TERTIARY INSTITUTION ACROSS THE COUNTRY.

1. All applicants must have gained full time admission into an accredited Nigerian tertiary Institution.
2. All Under-graduate applicants:
i. Where CGPA scale is 7.0 (e.g University of Ibadan) he /she must possess a minimum of 4.9/7.0
ii. Where CGPA scale is 5.0 (e.g University of Lagos) he /she must possess a minimum of 3.5/5.0
iii. Where CGPA scale is 4.0 (e.g polytechnics and colleges of education) he /she must possess a Minimum of 2.8/4.0
iv. Where applicant is a medical student in 200L, option i, ii and iii applies
v. Where applicant is a medical student in 300L and above a minimum of Credit is required in their result

3. All applicants must be in their second year or above (i.e admitted on or before 2015/2016 academic session).

4. All applicants must have completed LASRRA Registration

5. All applicants must have a signed letter of identification from their respective Oba

6. All applicants must have a signed letter of identification from their respective local government

7. All applicants must purchase a Scholarship application form. (Payment of N2,000.00 for Local Scholarship) through Revenue Office of the Lagos State Scholarship Board.

8. All applicants must upload clear scanned copies of all documents to ascertain the genuineness of their claims. Documents like:
i. Admission Letter
ii. School Identity Card or Valid means of school identification
iii. Letter of identification from Oba
iv. Letter of identification from Local Government
v. SSCE result
vi. Lagos State Resident Registration Agency(LASSRA) registration card
vii. Passport Photograph (clear background not older than three months).
viii. Transcript or Result statement duly signed and stamped from school stating previous session CGPA results clearly
ix. Evidence of Consolidated Payment Confirmation Slip.

9. Shortlisted applicant must participate in a Computer Based Test conducted by Dragnet Solutions Limited in conjunction with Lagos State Scholarship Board.

10. Successful tested applicants will be contacted for oral interview

11. Application deadline is 15th December, 2017.



http://www.scholarsarena.net/2018-lagos-state-undergraduate-scholarship-award-scheme-apply-now/






2017/2018 Lagos State Postgraduate Scholarship Award Scheme – Apply Now!


ELIGIBILITY FOR LOCAL POSTGRADUATE SCHOLARSHIP AWARD

THIS SCHOLARSHIP SCHEME IS FOR LAGOS STATE INDIGENES ONLY STUDYING IN ANY TERTIARY INSTITUTION ACROSS THE COUNTRY.

1. All applicants must have gained full time admission into an accredited Nigerian tertiary Institution for postgraduate studies (Masters or Doctorate).

2. All Post-graduate applicants (Only applicable to Masters Degree applicants):
i. Where CGPA scale is 7.0 (e.g University of Ibadan) he /she must have graduated with a minimum of 4.9/7.0 at undergraduate level
ii. Where CGPA scale is 5.0 (e.g University of Lagos) he /she must have graduated a minimum of 3.5/5.0 at undergraduate level

3. All applicants must be in their first year or above (admitted on or before 2016/2017 academic session)

4. All applicants must have completed LASRRA Registration

5. All applicants must have a signed letter of identification from their respective Oba

6. All applicants must have a signed letter of identification from their respective local government

7. All applicants must purchase a Scholarship application form. (Payment of N2,000.00 for Local Scholarship) throughthe Revenue Office of the Lagos State Scholarship Board.

8. All applicants must upload clear scanned copies of all documents to ascertain the genuineness of their claims. Documents like:
i. Admission Letter
ii. Valid ID Card
iii. Letter of identification from Oba
iv. Letter of identification from Local Government
v. SSCE result
vi. Lagos State Resident Registration Agency(LASSRA) registration card
vii. Passport Photograph (clear background not older than three months).
viii. Certificate or Result statement from school stating graduating results clearly
ix. NYSC Discharge or Exemption Certificate
x. Masters Degree Certificate (PHD applicants only)
ix. Evidence of Consolidated Payment Confirmation Slip.

9. Shortlisted applicant must participate in a Computer Based Test to be conducted by Dragnet Solutions Limited in conjunction with Lagos State Scholarship Board.

10. Successful applicants will be contacted for oral interview

11. Application deadline is 15th December 2017.



For more Info, Visit:
http://www.scholarsarena.net/2018-lagos-state-postgraduate-scholarship-award-scheme-apply-now/



cc: Mynd44 Lalasticlala Dominique

Daviestunech:

I can teach u how u can make DAT #1200 for 1.5gig for good 3gig
Meaning 3gig for #1200
If u are interested let me know
Mind you free of charge

Lol, please show me ooh

Dealing with taxes is a nightmare for business owners. In a world characterized by falling oil prices in recent years, taxes have become the new oil, with countries striving for two digits tax-to-GDP ratios.

You probably wonder how this affects your business. What all this means is that business owners will continually face revision in tax rates and a clamp down on compliance. That is, stiffer penalties for default and pretty much zero tolerance for non-compliance.

Bummer, I know. But it is possible to leverage on existing tax laws in Nigeria to avoid taxes (perfectly legal) and/or reduce the income tax liabilities of your business. This is what we call tax planning. Unless you have intentions of defrauding the government—which could land you in jail—you want to arrange your business affairs so that you enjoy maximum allowances, exemptions and reliefs.

Below are 5 ways to legally reduce the income tax liability of your business:


1. Choose the Right Accounting Date for your Business

Accounting date simply means the period (12 months) to which your company prepares its annual accounts. For some this could be December 31 annually (Jan 1 – Dec 31) or it could fall within the year like April 30 annually (May 1 – Apr 30).

Depending on the nature of your business, past trends often helps you decide the right date to choose. The idea is to limit the amount of profit available for tax assessment in the year, and in turn reduce the income tax liability of your business.

There is a simple logic to this. If your business has increasing profit towards the end of the year, then you should pick an earlier date. Likewise, if your business will face falling profits towards the end of the year, then it’s safer to pick a later date. Again, the nature of your business e.g. taking into consideration sales peak and off-peak seasons, will affect your accounting year.

No matter the choice you make now, note that it is possible to change the accounting date of your business. You could contact your accountant for advice based on your company’s information.



2. Incentives—Reliefs and Allowances

The government has been kind enough to offer incentives that exempt or reduce the income tax liabilities of your business… provided you know what they are.

Tax incentives are reduction by the government in tax payment to attract and person or company to invest in a country. They can come as reduction is tax rates, allowances or payment exemption.
Some of the most common incentives are:

Pioneer Legislation: Covering about 44 industries, this incentive provides tax holiday for a minimum of 3 years and at most 5 years. Pioneer status given to encourage development or establishment of certain industries in Nigeria.
Investment in economic disadvantaged areas: Attracts 100% tax holidays for 7 years and 5% depreciation over and above the initial capital depreciation.
Investment in solid minerals: This gets you 3 – 5 years tax holidays; deferred royalty payment depending on the volume of investment; possible capitalization of expenditure on exploration and survey; provision for 100% ownership of mining company; rollover relief on Capital gains Tax and 95% once-for-all capital allowance with 5% retention value until disposal.
Investment in Tourism: 25% of income from foreign tourists by a hotel is tax exempt, provided that the income gets invested and used within 5 years for the building expansion of new hotels, conference centres and new facilities for tourism development.
Export-oriented industries: This incentive applies to industries that export not less than 6% of their product. You get 10% concession for 5 years.
Capital allowance on assets: Capital allowance accounts for wear and tear of fixed assets used within an accounting year in generating income. Accounting profit subjected to tax is cut by applying fixed rates as approved by the tax authorities.

It is to your company’s benefit that you buy fixed assets like office equipment, as they play a significant role in reducing your income tax liability.



3. Plan your Business Expenses

Every business incurs expenditure. If your business is a vehicle, expenses are the fuel that runs the engine. Business expenditure could be either capital or recurrent. Capital expenditures are covered by incentives granted on fixed assets.

Recurrent expenditure like rental expenses, salaries etc. are deductible expenses only when incurred wholly, exclusively, necessarily and reasonably in making profits. This means that any money spent on expenses must be solely for the purpose of the business; a necessity in earning income, and reasonable when compared with earlier years or industry standards.

All expenses fitting into this bracket are fully deducible from income in generating profits assessed to tax.
There are however expenses which are not allowable except they fulfill certain conditions:

Donations: It’s common for companies to give money for charitable cause to NGO and organizations. However, tax applies unless these organizations are in the approved list as contained in Schedule 5 of CITA. There are about 41 approved organizations e.g. Boys Brigade, Girls Guide, Nigerian Red Cross, ICAN, Boys Scout, Christian Association of Nigeria, Islāmic Education Trust etc.
Provisions: Allowed only when they are specific and not general.

It’s important to keep in mind the approved expenses and conditions involved in reducing your income tax liability for effective planning.




4. Choose Tax Friendly Investment Options

Investing funds is a good way to raise more income for your business. Certain investment options are tax exempt and a few other attract withholding taxes.

Tax exempt income include interest from borrowings to the government e.g. treasury bills, bonds; and interest on loans received. On the other hand, royalty income, dividend, interest on fixed deposit attract withholding tax at source and exempted from further taxes.

As you see, it’s advisable to invest in government securities like treasury bills as they are not taxable and attract higher rates of return. It may also help to consider sources of finance for your business as you choose between debt finance and equity finance (through shares).



5. Collect your Withholding tax receipts

Withholding tax (WHT) is one of the most common taxes levied in Nigeria. This tax is paid on contract for supplies, services, dividends, interest, director fees, etc. As stated above, withholding tax on directors’ fees and dividends are final; however withholding taxes on contract for supplies and services are not. Usually deducted at source, withholding tax is an advance payment on income and deducted from your income liability.

For example assume you carry out a service to your client attracting a =N=100,000 WHT deduction. Within that same year, your income tax liability is =N= 1m. Deducting=N=100,000 from your calculated tax liability brings the total amount down to =N=900,000.

To claim this deduction you must present a Withholding tax credit note. Your clients must first remit your invoice deductions to the FIRS, before a credit note is given. The credit note stands as an evidence to tax payment. It is therefore necessary that you ask for WHT credit notes from all clients who have deducted withholding tax from you.




This list is by no means exhaustive. But if applied diligently with the aid of a tax consultant, it will add value to your business, impact greatly on your profit and reduce your income tax liability.




SOURCE: http://mapsforbiz.com/2017/10/04/reduce-income-tax-liability-nigeria/


CC: lalasticlala, CrazyMan, 1forall

these guys don't care about the feelings and financial states of the consumers...

asuustrike2009:
Yet some of us were mocking etisalat not knowing it was a planned work

it's worrisome my dear

Hello great Nlanders, I tried to subscribe for data today only to notice that MTN has reviewed its data plans and costs.
The prices of data plans have surged up while they introduced night plans to cushion the effects of the hike.

Has anyone else noticed this pls?



CC: lalasticlala, dragnet, honsule, puskin,