To think that I am in Niger and I don't even know

It's well

Long time o

Indaboski bahoshe...

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XclusivePlus, a premium lifestyle proposition by Access bank, designed to provide special privileges and exceptional services to customers has been awarded “Best Affluent Banking Initiative in West Africa 2019” at the prestigious Asian Banker Awards held at Eko hotels, Victoria Island, Lagos on Thursday, April 25, 2019.

Speaking at the award ceremony, Emmanuel Daniel, Chairman, Asian Banker, said, “As you all know, the Excellence in Retail Financial Services Programme is probably the most rigorous prestigious and transparent Award Programme for consumer financial services in the world. We evaluate more than 300 banks and non-bank retail financial service players in more than 42 countries in a thorough evaluation process every year.”

“The programme also assesses all new players such as payments companies’ marketplace platforms and alternative financial services platform made possible by financial technology company’s (FINTECH) who are gratefully contributing to the transformation of the retail financial services industry. Through this, we aim to capture the evolving competitive landscape and recognize outstanding players and initiatives, from which the industry can learn from to, improve consumer products, services and experience. The XclusivePlus proposition is one of such great initiatives in the financial service sector, and that is why we are recognizing the product today as “Best Affluent Banking Initiative in West Africa 2019” he concluded.



Receiving the award on behalf of Access Bank, Dolapo Orelaja, Head, Consumer Propositions in her speech acknowledged the Asian Banker for the recognition. “I am honored and humbled to stand here today to receive this award on behalf of Access Bank and the XclusivePlus team. Thank you Asian Banker and the International Panel of Advisors for nominating and awarding the XclusivePlus Initiative as the “Best Affluent Banking Initiative” in West Africa. This award would not have been possible without great team effort of colleagues and the support of our Executive Management” Dolapo said.

The XclusivePlus Proposition is a premium lifestyle offering specifically designed to provide our customers with the exceptional service and exclusive privileges that they deserve. It was launched in October 2018 and today has thousands of subscribers who understand the value of the proposition. It takes less than 2minutes to subscribe to XclusivePlus with only N5, 999. One can also choose to make an upfront payment for one year and get a 20% discount to enjoy a bouquet of benefits such as:
Free upgrade to a Visa Signature debit card – a debit card with access to local and international spend
Travel in style with free access to over 800 premium airport lounges globally
Free medical emergency cover for you and your loved ones anytime you travel
Free movie and premium event tickets; shows, concerts, exhibitions and more
Network with Industry leaders at our various seminars and conferences
Experience VIP treatment and best rates at over 900 luxury hotels worldwide
24- hour global concierge service
Please click here to register and see more benefits of this exceptional exclusive package tailored to suite your lifestyle

Source: https://loadedpenvibes.com/access-banks-xclusiveplus-wins-best-affluent-banking-initiative-in-west-africa/

We are glad

If any of these bad habits show up in your love life, it’s time to make a change:
Here are 10 primary reasons why breakups and divorces happen, and 10 ways to avoid them.

1. Bad behaviors.

Maybe when you were young, it was cool to be “bad,” but as an adult, especially if you have a family, those old behaviors, whatever they may be (smoking, drinking, chewing tobacco, or spending your children’s college tuition on Botox or fantasy football), have to stop. If you can’t do it on your own, your next step is rehab. Start now, and by next year you may be a new person.

2. Cheating.

So you have broken the most sacred of vows (if you are married) and, married or not, probably broken the heart of your significant other, along with his or her trust. That’s really a hard thing to rebuild, but it can be done. The trick is to avoid this pitfall in the first place. Give up even the idea of sex with other people completely, and your mate will become far more attractive.

3. Misdirected anger.

How many times have you had a lousy day at work and come home in a bad mood? Guess what: That isn’t fair, and it’s going to damage your relationship. Coming home and bringing a bunch of negative energy inside with you can only make things ugly. You can get the soothing you need and have your mood changed in a few moments by just asking for a hug and saying, “Honey, I’ve had a rotten day.”

4. Being unsupportive.

If you cannot support the one you love when he or she is down, or stressedbecause of some life event, you are communicating that it’s not worth your time and energy. This makes your loved one feel invalid. If you can’t be there for your other half, and don’t care to change, it’s time to leave. If you want to keep your relationship, learn to be supportive.

5. Toxic people.

If you have friends that your partner can’t stand, it can be one of two things: Either there’s a control issue involved here, or these individuals are negative and should not be in your lives. If it’s a control issue (on one or both your parts), you should see a counselor together. If your “friends” engage in bad behaviors or are disrespectful to your mate, you need to find some new people to hang out with.

Read on here

https://loadedpenvibes.com/top-10-reasons-for-relationship-break-ups/

Over the past decade, WiFi has become the internet connection medium of choice that keeps us all connected to our digital lives. As wireless internet access has grown, so too has the number and type of devices we expect our wireless networks to accommodate, and spectrum congestion is becoming an intractable problem in many places. That’s one of the major reasons that hardware vendors are so keen to introduce the new WiFi 6 standard into the market, which is designed from the ground up to cope with congested wireless environments and an ever-larger number of simultaneous device connections.

Of course, it’s unrealistic to expect that WiFi 6 is going to become the dominant type of wireless network overnight — especially when you consider the fact that there are still millions of 802.11g (WiFi 3, in modern parlance) operating all over the world. That means users are still going to have to suffer through a less-than-ideal WiFi environment for some time, even as their device count and bandwidth needs continue to grow.

There are, however, some ways that users can improve their existing WiFi performance. Home users, especially, may benefit from some networking technologies they may not even be aware of. It’s not even necessary to scour the internet looking for electronic components or to opt for costly, ISP provided solutions. To help, here’s a look at four simple ways to improve WiFi performance, particularly for home users.

Start In the Right Place
More often than not, slow home WiFi networks are in part the result of a poor access point (AP) or wireless router placement. Since most home users rely on ISP-provided hardware, they almost always install their WiFi equipment wherever they have a spare coax cable jack, or wherever the ISP’s installer happened to place the equipment when they first signed up for service. In almost every case, that’s a mistake. WiFi works best when the AP providing the signal is centrally located and not near any obstructions. That means putting a WiFi AP right near a wall (where the coax jack is) will automatically come with a speed and stability penalty. If it’s at all possible, the main home AP should be as close as possible to the center of the area that the user is hoping to cover with a WiFi signal.

Beware of Neighbors

Besides the equipment location, the second biggest cause of slow home WiFi connections is wireless channel congestion. To remedy this problem, conduct a site survey using a WiFi network scanner to identify which wireless channels have the fewest overlapping signals. In a crowded networking environment (like an apartment building or another urban setting), choosing even a slightly less congested channel can make a world of difference. Every WiFi router or AP allows for a user-specified channel, so it’s a no-brainer to take advantage of it.

Leverage Existing Home Wiring

One of the best-kept secrets in home networking is the fact that almost every ISP-provided home router now supports a networking technology that is capable of turning a home’s coax cabling into a perfectly serviceable data backhaul network. The networking standard is known as MoCA (or DECA for DirecTV users), and it can help home users add a second AP to their home WiFi network using the existing coax in their walls. For the most part, adding a MoCA device to a home network is as simple as turning the feature on in the existing home router, and then adding a MoCA-enabled AP to another coax location in the home. After some simple configuration, the home’s WiFi coverage will be much better, without sacrificing any available throughput.

Turn to Mesh Networking
In situations where MoCA isn’t an option, the next best thing for home users who are experiencing difficulties with slow WiFi is to turn to mesh networking. In short, wireless routers and APs that support mesh networking create multiple WiFi connection points, which makes it easier for devices to overcome other competing signals to maintain a stable connection to the network. The tradeoff, of course, is that mesh networking itself uses a wireless signal to form the connection between the endpoints, so there will be some loss of overall throughput. In most cases, however, the overhead isn’t enough to cause any problems, so mesh networking is still a viable solution to slow home WiFi.

The Bottom Line

In almost every case, the solutions mentioned here (or a combination of them) will be enough to overcome even the most difficult wireless networking environment to provide a rock-solid high-speed WiFi connection everywhere in a home. Best of all, they’re solutions that are so simple that you won’t need a networking certification to put them into practice, nor do they require any major reworking of existing setups. Among them, only the mesh networking solution would require any significant investment, and even then it’s a small price to pay to keep the wireless devices you depend on working as they should. The bottom line is, while we all wait for WiFi 6 to swoop in and solve all of our congestion problems once and (hopefully) for all, you don’t have to put up with poor WiFi performance for even one moment more.
source: https://loadedpenvibes.com/four-dead-simple-ways-to-improve-home-wifi-performance/

Statistics have shown that millions of people die every year as a result of negligence to health. The hard truth is that, many people are more concerned about wealth than health forgetting the fact that, enjoying wealth is absolutely impossible in the grave.
Numerous death occurrences are traceable to inadequate medical checkups, thus the necessity of sensitizing the public regarding the grave consequences of disregarding medical checkups.

It’s saddening that a lot of us wish for longevity but ignorantly sign our death warrants as a result of nonchalant attitude to vital medical examination. Embarking on regular medical checkups is one of the responsibilities many of us find difficult to indulge in, which is awful.

The need for medical checkups is undoubtedly underestimated by a large number of people. Count yourself very lucky for stumbling on this page.

Below are some of the major reasons why regular medical checkup is very necessary.

1. Regular Medical Checkup Saves Life.
There are several deadly diseases which are capable of eliminating one’s life if not ascertained at the early stage. Diseases such as diarrhea, lower respiratory infections, lung cancer among other ailments kill very fast if left untreated; hence the reason why regular medical checkup is highly essential for healthy living.

Regular medical checkup is as important as eating regularly if you desire to live long and stay healthy.

In as much as lack of medical checkups have caused the death of an enormous number of people, It is also relevant to note that regular medical checkup has saved a lot of persons from the calamitous venom of death.

2. Prevention Is Better Than Cure.
The phrase above is a very popular saying and its validity is yet to be disputed. Regular medical checkup is a preventive measure that has no substitute.

Regular medical checkup brings about early detection of any disease which may cause potential damage if not ascertained and treated.

Cancer.org has affirmed that it’s extremely crucial to detect cancer and other diseases at the early stage because early detection increases the survival rate.

There are some diseases that are insidious and unnoticeable. The progression of such diseases can not be tracked unless the victim goes through medical checkups to ensure the threats orchestrated by the disease is curbed.

3. Regular Medical Checkup Keeps You Updated.
Failure to know about your health status is a disease itself, which is categorized under the malady of ignorance. The result of your screenings will tell your doctor all they need to know about your health. This will also keep you abreast regarding your health condition.

Getting to know about your unfavorable health status shouldn’t make you feel worried, you should rather be happy for discovering it early enough.

If you’re aware of your health status, you’ll definitely adopt some preventative measures that would help you to curb the disease. A diabetic person who is fully aware of his/her condition would know the kind of foods to consume.

4. Regular Medical Checkup Reduces The Cost Of Healthcare.
Early detection of any disease helps to restrain the risk of undergoing surgery and other complicated medical operations which erupt as a result of the escalation of minor diseases.

With the aid of medical checkups, you can always find out if you have high or low blood sugar in your body or hepatitis B, high or low blood pressure.

If minor diseases are left undetected and untreated as the case may be, the cost of treating them later would definitely be high, which may likely not be affordable.

To avert the danger of unwarranted medical expenditures, it’s highly advisable to embark on regular medical checkups. Always go for medical screenings.

5. Blood Tests
During medical checkup, the laboratory technician would definitely carry out series of blood tests. These are done to ensure that all the diseases hidden within your circulatory system are exposed.

Diabetes, cholesterol, cancer, high blood pressure, anemia, HIV/AIDS, as well as coronary artery diseases can all be diagnosed through blood test. Always be mindful of blood tests when going for medical checkup.

There are many reasons why you regularly need to embark on medical checkups but I’m very sure the points above would sensitize the public including you.

In conclusion, the essence of going for medical checkups can never be overemphasized. However, it’s also very important to meet a professional laboratory technician. Don’t fall into the hands of half baked lab technicians because of the urge of getting a cheaper service.

Your health should always be your priority. Life itself has given you an opportunity to live it to the fullest. Make the best out of it by staying healthy. It is for the best.

Health is Wealth!
source: https://loadedpenvibes.com/5-reasons-why-regular-medical-checkup-could-save-your-life

About this course

In the data age, information is surrounding us. Inside this information are answers to convincing inquiries crosswise over numerous societal spaces (legislative issues, business, science, and so on.). Be that as it may, on the off chance that you approached an extensive dataset, OK have the capacity to discover the appropriate responses you look for?

This course, some portion of the Data Science MicroMasters program, will acquaint you with an accumulation of ground-breaking, open-source, devices expected to dissect information and to direct information science. In particular, you’ll figure out how to utilize:

python

jupyter note pads

pandas

numpy

matplotlib

git

furthermore, numerous different devices.

You will become familiar with these devices all inside the setting of tackling convincing information science issues.

Subsequent to finishing this course, you’ll have the capacity to discover replies inside expansive datasets by utilizing python devices to import information, investigate it, break down it, gain from it, imagine it, and eventually create effectively sharable reports.

By learning these aptitudes, you’ll likewise turn into an individual from an overall network which tries to manufacture information science devices, investigate open datasets, and talk about proof based discoveries. To wrap things up, this course will give you the establishment you have to prevail in later courses in the Data Science MicroMasters program.

What you’ll realize

Essential procedure of information science

Python and Jupyter journals

A connected comprehension of how to control and break down uncurated datasets

Essential factual examination and AI strategies

The most effective method to viably picture results

Who can take this course?

Shockingly, students from at least one of the accompanying nations or locales won’t almost certainly register for this course: Iran, Cuba and the Crimea district of Ukraine. While edX has looked for licenses from the U.S. Office of Foreign Assets Control (OFAC) to offer our courses to students in these nations and locales, the licenses we have gotten are not sufficiently wide to enable us to offer this course in all areas. EdX really laments that U.S. sanctions keep us from offering the majority of our courses to everybody, regardless of where they live.

to register follow
https://loadedpenvibes.com/free-python-for-data-science-online-course/

Free Python for data science online course
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What We do

LOADEDPenVibes welcomes mindful thoughts depicted in your own writings and words, encouraging creative minds to express their experiences and thoughts.

LOADEDPenVibes also encourages various skill sets to enrich getting online, publish blogs, promote & sell their products, motivate and educate via. our platform.

we are a writing and editing community, do you have a job for us, thats what we give to our members as sponsored task, they write, we edit and deliver to you. when you pay, we share revenue generated amongst our members.

https://loadedpenvibes.com/loadedpenvibes-income-program-how-it-works/

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LETTER TO THE PRESIDENT

-Your Excellency sir, this is a short message that represent the opinion of at least 52Million Nigerian Youths who were utmostly dissappointed by your intentional silence on ASUU Strike.

-Nobody ever imagined that the PMB of 2015 will carelessly treat ASUU Strike for over 9weeks in 2018. All of us are disappointed on your negotiating team!.

-Millions of Nigerians are only keeping quite on so many of your "adminiatrative hiccups" simply because you are BABA BUHARI; if it was Jonathan, the whole story would have been different, WHY!?

-I nearly died as an Electoral officer in 2015, trying to protect your votes, i was one of the people who mobilized thousands of youths and heavy money for you, 24/7 on social Media and now we must tell you a patriotic truth!.

-You just allowed some "petty officials" to treat "Public Education" as lesser priority and continue to play with the intelligence of ASUU & Students' future;* don't push us to the wall.

-98.9% of Nigerian Students are "Certified children of Nobodies" not children of any of your Governors, Ministers, Ambasssadors or even labourers in Aso Rock.

-None of Nigeria's Presidents, VP's, Governors or anybody in your circle ever attended any school other than Public institutions. Can't you sacrifice N1TRILLION to reach a consensual compromise with ASUU?.

-Even if there is no money to give ASUU, please borrow from those recovered looted billions in EFCC and ICPC, or simply use the 3Months Salaries of all your Ministers to save our future!.

-All of your generation enjoyed free education (Primary to tertiary), full of benefits with enough allowances, free accomodation, free food (balanced diet) and never witnessed any kind of careless strikes.

-Yusuf and Zarah graduated from Surrey UK, NUC Chairman son went to University of Aberdeen-UK; and infact all of us knows that the "rich kids" doesn't study in Nigeria, we never complained, yet you don't want to act fast?.

-Education, Health & Security are the sacrosanct priority of every serious government, don't make us to start serious "fasting and Al-Qunut".

-Your Minister of Education is a"Jounalist", Minister of Labour & Employment is a "Medical doctor" how then do you expect effeciency on Education?.

-You devalued the Naira with no cogent explanation, yet Nigerians kept quite, simply because Nigerians still zoomed you as the Baba Buhari of the 2015 change Mantra!

-You watch, folded your hands and kept mute how dollar skyrocket to N360, yet Nigerians kept quite, simply because we are still ashamed to criticized what we appraised.

-Systematic Subsidy was stylishly facilitated, Petrol price jump up to N145, when i remebered how in 2012 we nearly killed ourselves on protest against Jonathan!

-Now, that we needed you the most, you allow the likes of Babalakin, Adamu Adamu and Chris Ngige to be wasting ASUU time without shame, trying to destroy the future of Nigerian Students.

-Don't force Nigerian Students to resolve to the "Malcomian & Marxian alternatives". We are the nearest future of Nigeria, not those "Euro-groomed Children" of our politicians.

-I write this with strict objective mindset, without any political inclination, hoping you will realized that there are Nigerians that will tell you truth without politics.

-NOW, Nigerian Students should stop killing ourselves, let us not allow this strike to be politicized like any matter!. Weather ASUU & FG have any political benefits, we must not care, but our future.

-We hope & pray that you will consider this communique as urgently important.
Please accept our patrioric regard.

FROM NIGERIAN STUDENTS

Source:https://www.loadedpenvibes.com.ng

LETTER TO THE PRESIDENT*

-Your Excellency sir, this is a short message that represent the opinion of at least *52Million Nigerian Youths who were utmostly dissappointed* by your intentional silence on ASUU Strike.

-Nobody ever imagined that the *PMB of 2015 will carelessly treat ASUU Strike for over 9weeks in 2018.* All of us are disappointed on your negotiating team!.

-Millions of Nigerians are only keeping quite on so *many of your "adminiatrative hiccups" simply because you are BABA BUHARI;* if it was Jonathan, the whole story would have been different, *WHY!?*

-I nearly died as an Electoral officer in 2015, trying to protect your votes, i was one of the people who mobilized *thousands of youths and heavy money for you, 24/7 on social Media* and now we must tell you a patriotic truth!.

-You just allowed some "petty officials" to treat *"Public Education" as lesser priority and continue to play with the intelligence of ASUU & Students' future;* don't push us to the wall.

-98.9% of Nigerian Students are *"Certified children of Nobodies"* not children of any of your Governors, Ministers, Ambasssadors or even labourers in Aso Rock.

-None of Nigeria's Presidents, VP's, Governors or anybody in your circle ever attended any school other than Public institutions. *Can't you sacrifice N1TRILLION to reach a consensual compromise with ASUU?.*

-Even if there is no money to give ASUU, please borrow from those recovered *looted billions in EFCC and ICPC, or simply use the 3Months Salaries of all your Ministers* to save our future!.

*-All of your generation enjoyed free education (Primary to tertiary),* full of benefits with enough allowances, free accomodation, free food (balanced diet) and never witnessed any kind of careless strikes.

*-Yusuf and Zarah graduated from Surrey UK, NUC Chairman son went to University of Aberdeen-UK;* and infact all of us knows that the *"rich kids" doesn't study in Nigeria,* we never complained, yet you don't want to act fast?.

*-Education, Health & Security are the sacrosanct priority of every serious government,* don't make us to start serious "fasting and Al-Qunut".

-Your Minister of Education is a"Jounalist", Minister of Labour & Employment is a "Medical doctor" *how then do you expect effeciency on Education?.*

-You *devalued the Naira with no cogent explanation,* yet Nigerians kept quite, simply because Nigerians still zoomed you as the Baba Buhari of the 2015 change Mantra!

-You watch, folded your hands and kept mute how *dollar skyrocket to N360,* yet Nigerians kept quite, simply because we are still ashamed to criticized what we appraised.

-Systematic Subsidy was stylishly facilitated, *Petrol price jump up to N145,* when i remebered how in 2012 we nearly killed ourselves on protest against Jonathan!

-Now, that we needed you the most, you allow the likes of *Babalakin, Adamu Adamu and Chris Ngige* to be wasting ASUU time without shame, trying to destroy the future of Nigerian Students.

-Don't force Nigerian Students to resolve to the *"Malcomian & Marxian alternatives". We are the nearest future of Nigeria, not those "Euro-groomed Children" of our politicians.

-I write this with strict objective mindset, without any political inclination, hoping you will realized that there are Nigerians that will tell you truth without politics.

-NOW, Nigerian Students should stop killing ourselves, let us not allow this strike to be politicized like any matter!. Weather ASUU & FG have any political benefits, we must not care, but our future.

-We hope & pray that you will consider this *communique as urgently important.* Please accept our patrioric regard.

FROM NIGERIAN STUDENTS
Source:http://loadedpenvibes.com.ng/news/letter-to-the-president-50#.XBu4rAihNWs.whatsapp

What Is Depression?

Depression (major depressive disorder) is a common and serious medical illness that negatively affects how you feel, the way you think and how you act. Fortunately, it is also treatable. Depression causes feelings of sadness and/or a loss of interest in activities once enjoyed. It can lead to a variety of emotional and physical problems and can decrease a person’s ability to function at work and at home.

Depression symptoms can vary from mild to severe and can include:

1.Feeling sad or having a depressed mood

2.Loss of interest or pleasure in activities once enjoyed

3.Changes in appetite — weight loss or gain unrelated to dieting

4.Trouble sleeping or sleeping too much

5.Loss of energy or increased fatigue

6.Increase in purposeless physical activity (e.g., hand-wringing or pacing) or slowed movements and speech (actions observable by others)

7.Feeling worthless or guilty

8.Difficulty thinking, concentrating or making decisions

9.Thoughts of death or suicide

10.Symptoms must last at least two weeks for a diagnosis of depression.

Also, medical conditions (e.g., thyroid problems, a brain tumor or vitamin deficiency) can mimic symptoms of depression so it is important to rule out general medical causes.

Depression affects an estimated one in 15 adults (6.7%) in any given year. And one in six people (16.6%) will experience depression at some time in their life. Depression can strike at any time, but on average, first appears during the late teens to mid-20s. Women are more likely than men to experience depression. Some studies show that one-third of women will experience a major depressive episode in their lifetime. Have any thought, drop your comments.
http://loadedpenvibes.com.ng/lists/what-is-depression-38

You are right

boss1310:
Ghana is not far from us and they are black Africans like us and I keep wondering why our so called leaders arent interested on how they made their country working again
I ve been to that country and visited many of their cities two things I notice about them is that the leaders are answerable to the citizens and the citizens in turn are mostly law abiding
Here we have leaders who don't grant interviews,who don't regard us and insult us whenever they travel abroad yet some our citizens wants to vote them back just based on sentiments
personally I want more candidates to have national recognition shared by those two so we can duly choose who we want in aso rock