₦airaland Forum

@OP, my opinion- Your wife is about to turn a 15 years old 'angel' into a 'demon', later you will start hearing stories of the little girl maltreating your children just because of 'common christmas cloth'.... don't forget the girl is quietly observing.

However you want to do it, please talk sense into your wife and let her understand what the implications of her actions could be and ensure she buys that girl the cloths, don't go buying them yourself, you'll create more trouble and unleash hell in your home.

Merry Christmas in advance.

@OP, my opinion- Your wife is about to turn a 15 years old 'angel' into a 'demon', later you will start hearing stories of the little girl maltreating your children just because of 'common christmas cloth'.... don't forget the girl is quietly observing.

However you want to do it, please talk sense into your wife and let her understand what the implications of her actions could be and ensure she buys that girl the cloths, don't go buying them yourself, you'll create more trouble and unleash hell in your home.

Merry Christmas in advance.

bikerboy1:
The ones you buy from boutiques were they made by engineers

Exactly, he should let us know the Electrician that sews his own cloths... rubbish talk.

FarmBusiness:
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More and more banks are realizing this and are moving away from opening new bank branches. They are opting for agent banking to reach their under banked and unbanked customers. Agent banking is a rising trend as illustrated by recent data from the Central Bank of Nigeria.
Since banks have invested a lot in building their infrastructure and operations, changing their business model to incorporate agent banking is quite complex. They have to set up an agent banking network that allows their agents to provide financial services on their behalf outside their traditional bank branches.
If you are planning to start an agency banking business and have no idea where to start. Learning the basic will give you clarity as to where to source technology, where to start, how to manage, and other risk factors involved in starting and running an agency banking business in Nigeria.
AGENCY BANKING SERVICES AND COMMISSION
• Transfers (All Banks) YOU make N 150 per transaction guaranteed
• Cash deposit (All Banks) YOU make N 150 per transaction guaranteed
• Cash withdrawal (All Banks) YOU make N 150 per transaction guaranteed
• Recharge Cards printing (MTN 3%, Etisalat 3.5%, Airtel 4%, Glo 6%)
• Loan repayments
• Bulk SMS 10% commission
• Data bundles (MTN 3% , Etisalat 4.5%, Airtel 4%,Glo 4%,Smiles 3%, Spectranet 4%)
• Bill payment (Dstv 2%, Gotv 2%, Tstv 2%, Phcn 2%, Startimes 2%,Etc.)
• Prepaid voucher sale (WAEC 6%)

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The Pay Centre should be located in rural areas giving the community opportunity to enjoy financial services without the risk and stress of walking kilometers in order to visit a bank branch, especially areas neighbors spend between N200-N500 to get to the nearest Bank/ATM.

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Keys to Success
Mission
Objectives

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Location
What is agency banking?
Markets/Business locations
Functions of an Agent Bank



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SERVICES
The Market
Pricing
Price Based on the Value Perceived by the Customer
Price Based on Your Costs and Your Expectation for Profits (“Cost Plus”)
Price Based on the Retail Price
Start-up Summary
CHAPTER FOUR
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Competition
Buying patterns and needs



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STRATEGY AND IMPLEMENTATION SUMMARY
Competitive Edge
Marketing Strategy
Sales Strategy

CHAPTER SIX
MANAGEMENT SUMMARY
The business in four simple steps
Certificate of Authorization to carry out agent banking
Security and insurance
Fees and commission (Agent)
Commission (scheme provider)
Approval of a transaction
Documentation Requirements
Which cards can I accept with mPOS?
Authorization of payment via the device?

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FINANCIAL PLAN
Daily Targeted profit
Daily/Monthly Operating activities and Expenses
Financial analysis
Profit and Loss account
Daily record keeping format (print out purpose for agent use)
Monthly record keeping format (print out purpose for agent use)
All Nigeria banks Customer Care Number (print out purpose for agent use)

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List of Agency Banking Business Providers in Nigeria with POS

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Live demonstration: Agent interface and features
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ZENITH BANK
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After placing your order, SMS your payment information
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Agent banking can take place nearly anywhere

Nice one and keep up the good work.

paulGrundy:
who is dizzz one do you know that a POS is configured to the settings of the bank that issued it and the POS merchant. so buying or renting it is waste of money. it would be useless to the buyer and in the end u will still return the POS to the original owner (the issuing bank). except that u have money to give to fraudsters, i advice u to deal directly with d bank.

If you don't understand a business and how it works, please ask questions instead of disparaging others.

We have various PTSPs that now issue terminals, not just banks. Some of the POS issued by these PTSPs are even more efficient and reliable than those issued by banks.

The terminal would be configured with the merchant or agent's details so it is not useless to anybody.

Ask questions if you don't understand something, it would save you from unnecessarily embarrassing yourself on a public forum.

paulGrundy:
don't fall victim for cheap scam Oga. if you want pos go to the nearest bank and tell them you want to register for Agent banking. do the proper documentation and get your pos simple.

Why discredit another man's business, after all the information the OP posted with physical contact details, you still call it a scam? Instead of you to tap into the opportunities and knowledge his materials offer, you are here putting him down.

If you do not wish to patronize him, please leave others who are interested.

LordReed:
Oh sure he is on the Forbes list (no 788) but his net worth is in doubt. Read this: https://en.m.wikipedia.org/wiki/Wealth_of_Donald_Trump

No one outside of Trump and his insiders know how much debt he really has. He has at least $1.5billion in debts and that's just what is on record. What is not on record is how much he owes Deutsche bank and other Russian banks.

Trump a man of his words? LoL you are funny. Trump is as fickle as they come, he talks a big game and knows how to play the system but integrity is not a trait Trump holds at all. Did you not hear how he was asking the president of Mexico to not make him look bad over the Mexico will pay for the wall rhetoric? Trump only cares about the optics, his real skill is to find the grift in whatever situation he finds himself in. That's why he spends so much time at his properties because the US government is obliged to pay for everything.

One, DT is on Forbes list of billionaires, that's a fact, please forget about how much he owes, we can as well delve into that for everyone on that list but that's inconsequential.

Two, DT's got balls, he doesn't give a heck about anybody and their opinion, America first.

Three, I believe Putin struck Hilary because of the uprising she indirectly caused in Russia to oust him.

Four, I believe Hilary just struck back in retaliation.

Five, I am a supporter of the democrats in America.

Six, I love and respect the Clintons, same for the Obamas and Putin.

Seven, Addressing the wall, Donald Trump would never curry the favor of any President in the world, forget media propaganda.

Lastly, America remains the greatest country in the world, whether governed by the democrats or republicans.

Again, God bless America but God bless Nigeria more.

LordReed:
Trump cannot or will not prove he is a billionaire. His Forbes rating has been discovered to be hype.

What exactly do you admire about him?

Question: Is he currently on Forbes list of billionaires. Please check and answer that.

What do I admire about him? I love gutsy people with 'steel balls' who stick to their words irrespective of what it is, popular opinion or not. He's been who he is since 1986 and stuck to it. Why wouldn't I admire a man like that?

Don't forget I mentioned I support the democrats.

LordReed:
The man who ghost wrote Art of the Deal said Trump is not a billionaire. Trump sued the ghost writer to court and lost the case because he could not prove he actually is a billionaire. This is who you admire, a fake billionaire.

A fake billionaire who used the funds of his foundation to buy paintings of himself for himself and ordered by the court to pay $2million to charity and shutdown his foundation.

A fake billionaire who was ordered by the court to pay $25million the students of Trump University that he defrauded.

What really do you admire about him?

Are you saying DT is not a billionaire? Let's start from there but that wasn't my initial point of admiration though.

FYI, I support the democrats.

caye:
In conclusion, I can perceive that you might not really understand the trauma and continuous destruction being;

experienced by the present African-American population; floating sometimes aimlessly between 2 worlds: America & Africa
presently unable to come back to Africa due to her present condition of underdevelopment of her land and minds,

and being treated as filth and lower-level humans/ 'humanlike beings' ( through racism) in America .

Note: Obama, Jay Z , Puff Diddy e.t.c. represent a miniature of the population of African-Americans. Majority are still traumatised subconsciously by slavery.
You might need to find out yourself.

Bro. They can all feign being traumatized....being fully African? Never that. Is it Diddy, Dr. Dre, Will Smith, Jada, Michelle Obama etc you want to claim being African? They can associate with the continent but would never trade their citizenship for it, not even Anthony Joshua. Tomori and Tammy Abraham didn't even do.

The Clintons, especially Hilary would never let go, Putin's alledged intervention was a sore that would refuse to heal.

Donald Trump is enigmatic but remains a person of unique personality....I read his book 'Art of the deal' and my respect for him soared, a man of his words but let destiny take its place which ever way it swings.

God bless America but God bless Nigeria more.

Very correct man, please keep making us proud irrespective of your party affiliation.

caye:
LET US PERCEIVE YOUR INTELLIGENCE A LITTLE
-rape of women and very young African girls; leading to dearth in moral behaviours of the children
- continuous trauma due to discrimination and hatred
- self-fulfilling prophesy of gang-violence, marital breakdown and destruction of the African-American family
- experiencing the greatest holocaust and destruction incomparable to any other race

Your understanding of the above scenarios determines your level of knowledge of the true history (at a point in time) of the African people. Really, what am I trying to say? I put this to you.

You made sense but the beneficiaries don't see it that way. Please read my post carefully, it's a CURSE to some on the one hand and eventually a GIFT to others on the other hand. If you were an African-American, would you wish you were born in Africa, the 'cursed' continent? Forget what you read, see or hear, none of those guy would trade their present states for Africa. Again, their forefathers paid the price and providence smiled on them. That's the long & short of my post.

As aforementioned, ask Obama, Beyonce or Jay Z if they wished they were fully African, you sure know the answer.

This girl should get sense, does her life depends on social media? God saved you and instead of laying low and ensuring your security, you are all over the place showcasing your ordeals. Please get sense madam, lay low and attend to your health.

AmadorSays:
As usual, Google has released its trending searches of 2019 and it carries lots of interesting information. The release tells us that the 2019 top trends search in Nigeria include "ASUU strike", " AFCON2019","Naira Marley" and "Women World Cup 2019" but the interesting thing here are the phones that Nigerians searched for the most.

Based on the trends released by Google, here are the list of most searched phones in Nigeria in 2019;
1) iPhone 11
2) Samsung Note
3) Samsung S10
4) iPhone XS
5) iPhone 8
6) Samsung S7
7) Samsung S8
8.) iPhone 6s
9) iPhone XS Max
10) iPhone XR

We can see that 6 iPhone models and 4 Samsung models make the list and they are all premium smartphones that cost hundreds of thousands of naira, so does it mean Nigerians are buying these models the most? Take a chill pill and see the most selling phone brands in Nigeria in the year 2019 in their order ;

1) TECNO Mobile
2) Samsung Mobile
3) Itel Mobile
4) Infinix Mobility
5) Huawei Mobile

As a matter of fact, Apple iPhones have very minimal market share in the country, the affordable and cheap end of the market is where you find phones that sell the most. Samsung is in second place in the list of top selling brands in the country and its not their high end phones that make that happen, a lot of the sales happen at the middles and lower stage of the market.

So haven seen this, one could ask why the most searched for phones aren't the most bought phones, the answer is simple, it could be due to the fact that the most searched phones are the most aspirational items, all over the world people window shop for items they can't afford, and Nigerians are very aspirational people, wanting bigger, better things that they can't afford. On a second note, Nigeria is a country where over 80% of the people live in poverty, it is only logical to assume that those searches where carried out by the more well-to-do segment of the population, especially those in urban areas and have access to internet. Such people are those that search for these high end devices and hence they make it to the top searches of the year.

Top Aspirational Brands in Nigeria
While Smartphone brands like TECNO, Itel and Infinix are the top selling brands in the Nigerian market, the brands with the most aspirational value are iPhone and Samsung and people want to see what they have to offer, and probably see how they can afford them.

Source: https://mobilityarena.com/what-phones-did-nigerians-search-for-in-2019/?utm_source=mailpoet&utm_medium=email&utm_campaign=-newsletter-post-title-and-newsletter-total-other-stories_1

We can see that 6 iPhone models and 4 Samsung models make the list and they are all premium smartphones that cost hundreds of thousands of naira, so does it mean Nigerians are buying these models the most? Take a chill pill and see the most selling phone brands in Nigeria in the year 2019 in their order ;

1) TECNO Mobile
2) Samsung Mobile
3) Itel Mobile
4) Infinix Mobility
5) Huawei Mobile

Interestingly, my tab is Tecno and my phone is Huawei, chai, see the category wey I fall, anyway, nor be my fault, my businesses and land for Lekki need development, na dem hold me for work, I for dey use iPhone 11..anyway, make I continue to dey read comments.

Congrats Mercy, a poster child of a good home, we hope young actresses are taking a clue from this, not the arrant nonsense being paraded before us these days.

SMH.The church is becoming 'worldly' and the 'world' is becoming 'churchy'.

So when will Olamide and Tiwa also feature in a church advert? We are waiting.

Nice gesture by the grandson but on another note... sometimes, the whole slavery thing gets me thinking, what we percieve as tribulation might actually be a blessing in disguise, only time can tell; the descendants of our people that were taken away as slaves would forever be grateful to the colonial masters, Obama, Beyonce, Jay Z and the likes wouldn't see slave trade the way we see it. To us, it was a CURSE but to them, it was a GIFT. Never undermine whatever you are going through today, it just might be for the benefit of your generations unborn.

I doubt he would dare mention Access bank if they didn't pay him that amount. He would not even try it but trust banks, they would issue a statement if the claim is false.

EFCC just made dude popular, how many people knew him before the incident?

Oshoboy01:
Looking at the recent trend of things in the music industry, it looks like Olamide Adedeji popularly called Olamide Badoo is no more bad again as an artiste. Most especially in 2019 that is about to come to an end, it feels like his career is going to end with the year.

Olamide Badoo is an amazing artiste no doubt, he has done so well for himself as an artiste, as a businessman in music, has helped several people but it looks all that is about to become a history judging by the recent happenings, maybe it’s just that his season as an a-list artiste has ended.

Olamide came into the industry with a track titled ‘Eni Duro’, this track shook the music industry and he almost immediately rose to become one of the most sought after musician in Nigeria. He immediately continued with ‘Omo To Shan’ featuring Wizkid, both were everyone’s favourite at this time and this contributed to the success of the song. Olamide later got the name Young Erikina, he released songs and he became a household name in Nigeria and Africa as a whole.

Olamide, since then , has released hit songs back to back, has done several shows which were sold out, raised the likes of Lil Kesh, Adekunle Gold, Chinko Ekun, YBNL Princess, Lyta, Picazzo Rap, Yomi Blaze, Fireboy DML to mention a few, even after having so many artistes to look after, Olamide still got time to release hit songs.

However, 2019 has not been a good year for the artiste, although traces of this were seen in 2018 but they weren’t so obvious as 2019. Olamide used to compete with the likes of Davido, Wizkid, other top artistes but now, an artiste that just came up yesterday is being talked about and listened to than Olamide Badoo.

In 2019, One can count the amount of songs Olamide released, unlike past years when Olamide released Albums almost every years, he didn’t release any this year, he only released singles that almost didn’t pass the roof of the studio where they were recorded.

It’s not enough to do music, one need to have a concrete plan to enable him or her enjoy longevity in the music industry because so many artiste come up every day and there is need for one to be strategic to ensure relevance for a long time.

Olamide has enjoyed fame on merit ever since but has done little to enjoy longevity. As much as people wants to dance, people get tired sometimes and wants to listen to something that has great meaning. Taking a look at 2face, Banky W, these people can’t release a song today without people getting to know it, they are legends already, their sound is unique and they have a very good line of lyrics but Olamide released some tracks which include Woske and Pawon this year and it was just short of expectation for some people.

The vulgar languages, even on his instagram page, some people had to unfollow him due to the content he was posting to promote the songs, he began posting ladies dancing naked, shaking their butt and his page was almost looking like a porn site. People believe things like this should occur with an upcoming artiste who is looking for attention not someone who has gotten the attention already.

Olamide didn’t win any notable award this year, he didn’t make any notable achievement this year and next year isn’t looking like a glorious one for him, looking at this, Olamide might never recover from the death of his career, however, I wish him well.

http://trixxng.com/olamide-badoo-career-as-an-artiste-has-ended-see-why/

I see your write-up as laced with sinister motives, Olamide's career dying or dead? You must be joking. Stop hating and channel your writing skills elsewhere.

@OP: You need to manage your insecurities please! This is the 21st century for crying out loud! Support your woman to get to the zenith of her career, why marry a woman you can't trust? We have high-flying women with their dignity and respect intact. Mrs. Ibukun Awosika in Nigeria is a very good example, amongst many others.

By the way, infidelity is a choice, whether she's a stay at home Mum or not, if she wants to cheat, she will and there's nothing you can do about it.

Think again, what if you have financial challenges tomorrow, how do you get the required support?

Please open up your mind and change this your mentality, in my opinion, it is way too wack!

Damilolacoker:
Hello everyone I'm 24 years old and I have been married for three years. last year we had our first baby . Prior to our wedding, I and my husband decided I'll be allowed to work once our baby is old enough to attend day Care. Now our daughter is almost 2 years and he has refused to let me work. We've had countless arguments about this and it always ends with him saying women who work are not always submissive. I cannot be a full house wife , I am educated and cannot sit at home all say.

He recently told my parents I was being rude to him and they're all saying I should do whatever my husband wants. I love him but on this issue, I refuse to agree with him.

The other part here is he doesn't like me correcting our daughter. She's almost 2 and it irritates him whenever I try to potty train her or scold her. He insists I go to check up on Her at school during break hours. I understand that she's quite young but as her mother, I want the best for her.

Now he's changed towards me, he doesn't care or pamper me like he used to , sometimes he refuses to eat at home and when I try to speak with him, he's always very cold. Please help me, I don't know what to do anymore.

First, I commend your write-up, I enjoy reading posts from intelligent people.

Second, please sit him down and explain to him that life can have an happenstances, let him understand he can kick the bucket tomorrow, what then happens to you and the daughter he loves so much since he wants you to sit at home.

Third, please convince him to allow you work and have some earnings, it can also amount to a huge form of support to him.

Lastly, keep your head intact, a man would always be a man, once you don't contribute anything to the home financially and he has financial challenges, you become irritable, please don't wait until things dip that low. Not all men can retain their sanity in such situations.

We wish you all the best.

Once again, post aptly written, nice one.

Medical Doctors, your advice please. I'm not reading anything too meaningful here.

May God bless his hustle but suit in hot weather?

AmericanQuarter:
https://www.premiumtimesng.com/entertainment/naija-fashion/364146-my-service-year-purged-me-of-tribal-stereotype-graduating-corps-member.html

@OP: I am not Igbo but your superb write-up just made me fall in love more with the tribe. God bless all Igbos around the world.

Riele:
They won't comment now , later they'll bash one mod for not pushing educative post to front page .

Imagine someone typing " OK " .

Don't mind them, since it's not Tacha, Mercy or Cardi B, if not you would have been reading senseless comments and arguments.

Thanks for sharing @OP, we all need some form of motivation at various stages in our lives.

Cheers.

MSesan:
Will you just stop your comparison, because you made yourself for granted when you believed that your Jesus was nailed till death on a cross and started making every sort of his pictures.

Islam also believes Jesus existence but they never make him unworthy.

You obviously either don't know a thing about Christianity or don't understand the religion an inch, so I won't discuss with you further, but before I take my leave, please note that, that cross he died on is very symbolic, you might want to go and learn more.

Seetto:
Why dragging Muslim and Islam in your stupidity, those behind the movie are Christians, the same Christians will be the ones to watch the movie, Islam respect all prophets, plus Jesus son of Mary, we condemn any form of mockery against jesus, not the white man you portrayed as Jesus or the one that was disgracefully stripped unclad and nailed on a tree.

You say I'm stupid, ok, I hear you, that's fine, I'm tolerant, so I'll let it pass.

You are a muslim, try using your holy book as an ash tray and see the reactions from your fellow muslims, just try it.

I've got good and couth muslims as friends, I have nothing against your religion, just that we have different level of tolerance, I wonder why you find this fact hard to accept.

henrynwafor:
Reno Omokri has kicked against on-demand movie platform, Netflix, showing a movie about a ''gay Jesus.''

The movie titled, The First Temptation of Christ was made by a YouTube comedy group and was released by Netflix in Brazil on December 3rd. The movie implied that Jesus was in a sexual relationship with his male friend Orlando.

Reno in a post shared on his IG page this afternoon, appealed to Netflix not to take the tolerance of Christians for granted. He wondered if the platform can venture doing such about the Quaran. He also shaded comedian, Etinosa, who recently used the bible as an ashtray in one of her videos.

Read what he wrote below:



https://www.instagram.com/p/B6GCPEcFNBC/?hl=en

Nice reaction from Reno.

Truth be told, can Netflix try this with Islam? In all fairness, they should stop taking Christians for granted. Why didn't that reta*rd that used the Bible as an ash tray try it with Muslims?

God spared her life, why not go low key and remain thankful to God. The bad guys are probably reading and watching all these posts and videos. She should be wise and just stop posting anything relating to this incident. We all wish her a speedy recovery.

People can be very insensitive, how can anyone make these kind of posts about someone's late Mum. Very unfair. Some people just need brain and heart reset.

IBB loves Maryam, their love is out of this world, just like Barrack & Michelle and Will & Jada. I just love these couples for this...only Brad and Angelina fall my hand.