Scarpon: the guy don't have such power to make ations with her the thing is if he want to leave the lady promise to give him 100 thousand or stay and 2 years and collect 1 million (if she can even agree with that ) the shocking thing is that their are the same blood siblings

if he starts a biz with the N750k he has now, can he make up to N1m in profits in the next 2 years?

If he's sure he can, he should collect the extra N100k and move on.

If he's not sure, he can give the sis 2 more years before launching out on his own.

you can do the first and still get your degree, especially if you are in Lagos.

tunde1200:

You are right my guy but we have settle it for now.
But I like your comments so much because you really hit me some where...

how una take settle am?

Congrats -> Brand New Mod ;

julimax: You are alone with your Mean Boss that never laughs in an A/C tight office waiting to take some files, when suddenly he carelessly dropped one, loud and smelly. He does not act as if he did anything-still working and you are just behind him, If you act as nothing happened the smell will choke you, you go out it will look so disrespectful, ha! your big boss? You take it and remain quite. Then suddenly he drops another bomb, what will you do?

ask him how to join PDP.

if he asks why, tell him its like you need Fresh Air in your life.

he should get the message.

chaircover:

Its Ibadan



No not baking

proper tiwa'n tiwa food

well, if u dont mind interning with Iya Basira at Mokola round-about.

those women are the best and i doubt something sweeter could come out of an academy, especially a clean one.

yeah, log on to Godaddy with your customer number/username and password, click on HOSTING, select the domain name under hosting tab, and you'll be redirected to their custom admin panel :

https://hostingmanager.secureserver.net/

when there, create a new ftp user and continue.

something like that sha.

still reading ...

but you seem to be a paste and go poster.

dopeJemi: yes oh


Me and my friend go market go buy cLothes 4 ourseLves and na onLy 4k we get, me I wan buy 1 top, 1 basebalL hat and shoe Laces and my friend wan buy 1 top and 1 jean trouser and 4k no go reach us take buy alL wetin we want so we kan just pLan say we go price d cLothes wen we reach d store.. So we kan enter d store kan dey price buh d girL go dey form strong head, she say 1500 for 1 shirt, I kan just telL my friend say make he buy d shirt say I go buy my own Later cuz d money no go reach.. My friend kan just give Her 2000naira, expecting 500naira change, na d girL fooLishLy take 1000naira note 4rm d bag give us as change.. Omo! D race wey me and my friend pick comot d store ehn.. Usain boLt 4 no fit catch us sef Last Last sha, we buy alL wetin we want with d heLp of d girL

very dense girl. when its not N5k note or N2k note.

how do you get N1k change from 2 x N1k notes?

very very dense, she was.

hello. long time.


as per the topic, i think T22 has dealt with it very well, thats why others are probably not keen to add to it.

i may be wrong though.

kike100: They support the business to meeting their set target from an HR point of view, e.g recruiting right skill set, ensuring required training is given, regular job feedback from employee etc.
When all is in place from this view, the business is expected to perform and if nay default, the business mgr will handle.

oh, ok. more or less the standard HRM thingy?

your friend believes since you've worked in almost every possible department and you already have an interest in HR, you should pursue it? fine !

kike100: Hi peeps,

Please I need your candid advice thus.

I am a graduate of accounting with MBA. I started by career in the banking industry as a teller, customers service officer, relationship manager. I later moved to project implementation, change management and now am in marketing Comms . I feel my career is haphazard in that if I want to build a particular line, I don't know which to do. I sometimes feel I should focus on the marketing Comms cos am loving it despite its stress, at the same time I feel like taking courses in child development(so I can own a daycare etc) or HR courses.

It's all confusing. I welcome any help to aid my decision.

Please no insults o

what do you plan to do from here on? start CIPMN while working in the bank, or go for a Masters degree?


all in all, experience is what matters when its time to look for jobs, which was why i suggested earlier that you build on your current MarComm role and maybe add a PMP.

if you are convinced its HR you want though, its extra work but achievable. as long as it makes you happy and fulfilled.

topeorekoy: To my surprise, Google has given me back access to my blog.

I have started a new one already

congrats.

did you write them earlier?

how come all the negative reviews are just coming out now?

i hope they recover sha.

#buyout

*dhtml:
I wish to say a big thank you to those that assisted in the phase 1 testing, and we had multiple conversations going on in real-time too.
And i was able to fix a few bugs. One of the outstanding issues i am not sure of how to deal with is being offline.
Presently, if i close my own admin chat window - which is through a browser / through a software - anyone.

Any messages that are sent to me when the software/browser is closed will all rush in (as offlines) when i login next time.
But by then, the visitor might have left the site. And i can send offlines back to only those that are signed in during chat.

Should i close and disable the chat when i am offline or allow people to send offline messages??

offlines can be sent in as emails (to both parties)

chat sessions can be closed/ended by typing in keywords/shortcodes

kike100: She says cos I have always been involved in training, change mangement, implementation etc.

what do HR Business Partners do in a typical office?

the power of words!

looks like this is what she was shouting before she passed out:

... she leaped from the casket, yelling: "You want to kill me, you want to kill me".

and she continued once she came to.

***

Acute fear can also lead to low blood pressure, and stop the heart from beating.

What are his reasons for that suggestion?

What exactly do HR Business Partners do?

Or did he mean HP Business Partner?

op, is Naomi taken?

plutonian: In your opinion, who’s that one that’s currently doing well but still has hiccups? I personally think it’s most likely Interswitch (we ALL know they definitely have hiccups, lol). I mean, even though banks are moving away from Verve cards, the point is that Interswitch have/had already taken that market share (i.e. card provider/supplier and integrator) before this point when Mastercard is now trying to work with Banks to issue the cards directly; and even now, Interswitch won’t just sit there until they become irrelevant; they will find ways to hold-onto their marketshare (which I believe is also part of the problem/reason why they are going after their customers’ own consumers directly through “quickteller”, when they should leave that market for aggregators) . It may also be Unified Payment (in the background, doing some big things which we just don’t see). So who do you think? Please share.

you wrote earlier :

" With that said, I will conclude by saying Nigeria needs more entrepreneurs to start businesses like Cashenvoy, Voguepay, Simplepay, and Eyowo and then also to start revolutionary businesses that can change the entire payments landscape and "DISRUPT" it; "

so i wasnt thinking of the likes of Interswitch/ETZ/VCD. If a new entrant joins those ones, it will definitely have enough resources to make a difference.

i was thinking of a new entrant into the ranks of the likes of Eyowo, CashEnvoy, VoguePay, etc.

Of the aggregators, I think Voguepay currently has the largst marketshare, and they still have hiccups from customer support to payments that hang midway.

I think Interswitch will be with us for a very long time. I believe they are still owned by a consortium of banks? they'll just have to keep evolving to stay relevant.

Your survey results are interesting; I think I’ll agree with you on this too, because it makes sense! But what’s your take on the Bank Deposit option? Isn’t it too restrictive? (It’s not as convenient, there’s basically no protection because once you e-transfer the money or pay it in with cash into a seller’s account, you have no control over it; it’s gone basically; you just have to now hope you get your product ) .

We can’t blame our fellow Nigerians (I’m guilty too of using bank transfers mainly ) . Nigeria is stuck with the “stigma” of scam/fraud for now (such that even though fraud also happens hugely in some other countries maybe in the Europe, you won’t hear about it much because of good control and an identity system to help identify people and help catch culprits; it will get better though for Naija), but until there are actual actions to curb and control fraud and then stretches of GOOD publicity saying things are getting better and the fraud is actually very much reduced, hey, Nigerians will most likely not want to use their debit card much online in Nigeria like you have noticed.

Personally, I dont see anything wrong with bank deposit options, especially with online banking available. I find that platform more reliable.

If my online banking transfer hangs, i can quickly resolve it with my bank, compared to how long it takes to resolve issues when paying on a site with a debit card and they decline the payment but charge your card.

In fact, with the kind of online banking we have now, i see almost no need for making debit card payments on sites. the only time that can arise to me is if u want to fund an e-wallet and then use the wallet on other sites instead of logging into your bank everytime (eg when they are down).

Unfortunately, most users make one-off payments with the aggregators rather than use them as e-wallets. using them as e-wallets should also make tracking errors easier, i believe, as it considerably cuts down the possible points of failure.

Apart from online bank transfers, others prefer physical bank deposits, so they can use the tellers/deposits slips as evidence in future. This is their only logical way to tackle the trust issue. I guess they believe if the mater gets legal, a bank deposit slip is more tenable in court than a computer screen print out.

The above answers the protection question as well. With regard to protection, the highest form of protection we can hope for seems to be escrow, and even though one or two aggregators offer these, merchants/buyers are yet to embrace that option.

Also, (to everyone), what is your take on the use of POS-Terminals/machines overall in Nigeria, especially for smaller shops/merchants? I just feel like it’s still only the MAJOR retailers/businesses (and churches ) who use POS-machines. I don’t even think the pricing/cost of POS-machines is very affordable for the smaller shops/merchants (I think the lowest that banks sell/make terminals available is for like $300 or so??; please if I’m wrong correct me with more accurate numbers?) . Compared to the US where small merchants have POS-machines and other solutions, and can accept card payments, Nigeria has a LOONNG way to go. What do you guys think? (This is also the reason why I was saying I think Paga “might” be disruptive “IF” they play their cards well, because even though they have the web-payments aggregated/integrated, their main channel is “MM/ mobile transfer” which doesn’t need a card or a POS-machine).

The greatest problem with POS terminals seems to be network failure/power. where they are available and the customers are willing to use them, you hear stories like "no network" , "no power" , etc.

Other than that, everyone is comfortbale with using cash for offline transactions. no stories, and very very convenient too.

With regards to Paga and other MM coys, they really have to play their cards well. Using the right technology will also help them. I think any company using USSD for MM will still face network failure issues, so whoever will win the MM war will need to have the right mix of technology, coverage/market share and trust/partnerships.

AjanleKoko:

If you have an offer. Abi?

It's sort of like asking to know someone's net worth before you agree to go out on a date with them.

sorry, i should have added interview too.

i cant imagine flying from Lagos to Abuja Sokoto to interview for a job that will pay say, less than 120% of what i'm currently earning.

i'd go by bus instead, lol.


i think it just boils down to managing expectations.

AjanleKoko:

We're still on this right or wrong thing?
I think I already cleared that up. It's not wrong, I just wonder what use the info will serve.

well, if it's less than i'm currently earning, i might decide to skip the interview/offer, especially if its "out of station".

Seun: I am pleased to inform you that we have 23 winners today, instead of just 10. Their ads can be seen on this. page: www.nairaland.com/webdesigners. What do you think?

i see only 22 sha, and they load slowly

Seun: We will put an advert that promotes www.nairaland.com/webdesigners on a Plan A slot on Nairaland for 1 week, starting later today.

will be nice to have page views shown at the top

plutonian: Hi Guys, Make I join contribute small (or big, lol).

Now dont get me wrong; Paga, Simplepay, Voguepay, Eyowo, Cashenvoy, ARE meeting a need (of providing "cheap & free aggregation" and "multiple processor aggregation" ) just like GTPay is meeting a need (of providing a bit of a "cheaper aggregation", and which is why CashEnvoy uses them, and was also the reason why Voguepay was FIRSTLY using GTPay originally, and is the reason why a lot of somewhat-ESTABLISHED/MEDIUM scale businesses will use GTPay first before then switching to Interswitch). Typically its better to deal with the MAN/OGA AT THE TOP, because things will "generally" be easier, and move smoothly.

Overall, there isnt an "Answer" to the Posters question per say; it is more of opinions and needs; some people prefer to deal directly with Interswitch, even though it cost N150K, and GTPay only cost N75K (e.g. the Voguepay which is being mentioned was using GTPay and then suddenly preferred to go directly to Interswitch. Why? Because "OGA AT THE TOP" is better, and with that some issues they encountered going through GTPay was eliminated).

With that said, I will conclude by saying Nigeria needs more entrepreneurs to start businesses like Cashenvoy, Voguepay, Simplepay, and Eyowo and then also to start revolutionary businesses that can change the entire payments landscape and "DISRUPT" it; right now Cashenvoy, Eyowo, Simplepay, or Voguepay, is NOT disrupting payments, BUT meeting a need! I think Paga "may" be able to do some disrupting, if they play their cards well.

Thanks!

nice points you've made, but i'm not too sure about the part i emphasized.

i dont think we need more of them at this time. i'm not sure but it seems only 1 of them is currently doing "very well" , if cornering the largest market share means doing well.

even at that, that company still has its hiccups. i think they all need to step up their games.

even more disturbing is the fact that some Nigerians will never/have vowed never to use their cards on any Nigerian site (but will gladly do so on foreign ones).

how then will the existing companies grow, or the new ones get users?

i agree Paga might get disruptive, if Mobile Money catches on. i'm even surprised that a lot of online merchants havent caught on to the MM bandwagon yet.

i think it will be easier to get Nigerians to trust you with a MM transaction, than with a debit card transaction.

from a little survey i carried out, most Nigerian shoppers prefer to use Bank Deposit option to Debit Card Payment option. unfortunately, the merchants discovered this only after paying hefty fees for integration.

Thats why i think Interswith/Etranzact are stifling their growth by imposing such fees, and why the 0-fee aggregators should be encouraged.

The interesting thing is that its the likes of Interswitch, ETZ and GTPay that have the muscle to preach the gospel of e-commerce, but they are busy stiffling growth with high entrance fees/conditions.

its been long since i've used yahoomail, so i'm not sure if its possible to set it to disable graphics.

if thats not possible from YahooMail options, you can disable graphics on your browser, especially when about to login to YahooMail.

all this is assuming that YahooMail has failed and their spam blocking/tracking is totally ineffective.

Since most webmasters on here seems to be averse to an intellectual discourse like the one I posted here https://www.nairaland.com/1231073/why-not-making-6-figure . I tend to believe that most people who parade themselves as web designers are most time unprofessional about their job. In fact, some are only interested in adding to their portfolio not giving a damn about their clientelle business.

na wa oh!

but we "liked" your article na? showing that we enjoyed it and you were on point.

to me sha, it sounded more like a lecture and there was little or nothing to retort to, [s]save maybe to acknowledge your fine points[/s].

topeorekoy: No one has a solution for me yet??

short answer : if you dont have a backup, you will have to start afresh. (even with backups sef)

long answer : write them at and see if they can let you copy your files off. not likely though