tag:blogger.com,1999:blog-89567635103820793682024-02-29T08:27:05.092+01:00Smart FinanceLearn to make, save & borrow funds via fintech's online & mobile platforms... Your Hub for Smart Money Moves.Unknownnoreply@blogger.comBlogger50125tag:blogger.com,1999:blog-8956763510382079368.post-2222374322514002812017-01-06T10:34:00.000+01:002017-01-06T10:34:02.494+01:00Trump, fintech win big among top 10 financial terms of 2016<div dir="ltr" style="text-align: left;" trbidi="on">
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Check this great insight from <span class="name"><a href="http://www.cnbc.com/kenneth-kiesnoski/" target="_blank">Kenneth Kiesnoski</a> on </span><b><span style="font-size: small;"><i><a href="http://www.cnbc.com/2017/01/04/trump-fintech-win-big-among-top-10-financial-terms-of-2016.html" target="_blank">http://www.cnbc.com/</a></i></span></b></div>
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Each new year brings a slew of new Top 10 lists, from best
songs and worst breakups to the top words and terms in the prior 12
months. So what new or newly popular phrases were on investors' lips in
2016? Finance news and education site <a class="inline_asset" href="http://www.investopedia.com/" target="_blank" title="http://www.investopedia.com/">Investopedia</a>
released its list of the top 10 financial terms of last year — and
President-elect Donald Trump, unsurprisingly, and tech lingo both had a
big impact. <br />
"Trump's legacy is yet
to be determined, but his impact on investing and economic policy is
unmistakable," said Caleb Silver, editor in chief at Investopedia.
"Throughout 2016, users have flocked to terms related to Donald Trump
and some of his proposed policies. <br />
"This year's list of terms is a window into the topics that will drive investment strategies in 2017."<br />
<br />
<div class="group" itemprop="articleBody">
According to Investopedia, the Top 10 terms of 2016 were: <br />
<strong> 10.</strong> <strong>Calexit</strong><br />
<strong>9. NAFTA</strong><br />
<strong>8.</strong> <strong>Trumpflation</strong><br />
<strong>7. Black swan</strong><br />
<strong>6. Interest rates</strong></div>
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<span style="font-size: large;"><strong>5. Fintech</strong></span><br /> </div>
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<strong> 4. Peer-to-peer lending</strong></div>
</div>
<strong>3. Dodd-Frank Regulatory Reform Bill</strong><strong><br /></strong> <br />
<strong>2. Blockchain</strong><br />
<strong>1. Trumponomics.</strong><br />
<br />
<i><span style="font-size: x-large;">Source: <a href="http://www.cnbc.com/2017/01/04/trump-fintech-win-big-among-top-10-financial-terms-of-2016.html" target="_blank">http://www.cnbc.com/</a></span></i></div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-8956763510382079368.post-85033392524801146632017-01-06T10:06:00.000+01:002017-01-06T10:06:59.020+01:00How safe is online shopping? <div dir="ltr" style="text-align: left;" trbidi="on">
<h2 style="text-align: left;">
<span style="font-size: large;">How safe is online shopping? </span></h2>
Original post by: <b>Eric W. Austin on <a href="http://townline.org/tech-talk-how-safe-is-online-shopping/" target="_blank">http://townline.org/</a></b><br />
<b> </b><br />
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj8qr6ZGp3yO9Y-v2WUsE7wA6caPsa49Rhv4Jwcv8IKLB02wWEEPOulLPPOVYAQpMgqACvYpSWDHNpcRW7y-BILBGRzdo-wx_qgM9wY1tLHQq27SFw3uzQxm4B7dEVo1uQIor4B9EDdlAo/s1600/shutterstock_1446831861.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEj8qr6ZGp3yO9Y-v2WUsE7wA6caPsa49Rhv4Jwcv8IKLB02wWEEPOulLPPOVYAQpMgqACvYpSWDHNpcRW7y-BILBGRzdo-wx_qgM9wY1tLHQq27SFw3uzQxm4B7dEVo1uQIor4B9EDdlAo/s1600/shutterstock_1446831861.jpg" /></a></div>
<br />
My mother is paranoid. The idea of using her credit card to shop
online fills her with dread. And she has good reason. A few months ago,
she got a call from her credit card company asking whether she had
recently used her card to purchase two round trips to Miami?!<br />
She had not!<br />
She was a victim of credit card fraud. In fact, 31.8 million
Americans had a similar experience in 2014 – that’s three times the
number in 2013. Very likely, this has already happened to you or someone
you know.<br />
<h3 style="text-align: left;">
<span style="font-size: large;">Is it safe to shop online?</span></h3>
First, the bad news. Credit card fraud has become epidemic in the
internet age. But it’s not just about hacking – it’s also about
distribution: trading and selling stolen credit card information has
become easier than ever.<br />
<h3 style="text-align: left;">
<span style="font-size: large;">How your credit card get stolen</span></h3>
<ul style="text-align: left;">
<li>Skimming </li>
<li>Phishing </li>
<li>SpyWare/Malware</li>
<li>Data Breaches/Hacking</li>
</ul>
<span style="font-size: large;"><i> Read this interesting piece on <b> <a href="http://townline.org/tech-talk-how-safe-is-online-shopping/" target="_blank">http://townline.org/</a></b></i></span><br />
<br />
Don't you ever think this cannot be replicated in Nigeria. In fact it is anywhere in the world. Technology is global. </div>
Unknownnoreply@blogger.com2tag:blogger.com,1999:blog-8956763510382079368.post-77320472220879964542016-12-28T08:56:00.003+01:002016-12-28T09:33:49.381+01:00At just N20 to N50: Online Sports Prediction, Make money in Less Than Two Hours<div dir="ltr" style="text-align: left;" trbidi="on">
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<div style="text-align: center; text-weight: bold;">
...from Account funding with ATM cards to Cashing out, all with your phone.</div>
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<fieldset>
<a href="https://scontent-lht6-1.xx.fbcdn.net/v/t1.0-9/15727090_1443093555703072_5902133633421103284_n.jpg?oh=d9ab6f627abda77d1e0b302dc551110f&oe=59242AC6" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em;"><img alt="No automatic alt text available." border="0" class="scaledImageFitWidth img" height="234" src="https://scontent-lht6-1.xx.fbcdn.net/v/t1.0-9/15727090_1443093555703072_5902133633421103284_n.jpg?oh=d9ab6f627abda77d1e0b302dc551110f&oe=59242AC6" style="cursor: move;" width="215" /></a><div style="text-align: center;">
<h3>
<span style="font-size: x-large;">Shop Bets has a Minimum of N100 stake, but Online?</span></h3>
</div>
<div style="text-align: center;">
<b>A Stake is as low as N20 (<a href="https://www.1960bet.com/Odds/registration/affiliate467191" target="_blank"><span style="font-size: large;">1960bet</span></a>) to N50 (<a href="http://www.merrybet.com/Odds/registration/affiliate241366" target="_blank"><span style="font-size: large;">MerryBet</span></a>) upwards,</b><br />
</div>
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So you can try your luck without losing much. </div>
<div style="text-align: center;">
Leverage on your intelligence at predicting sports outcomes </div>
<div style="text-align: center;">
(win, lose, draw, or scores sheet, etc) and earn cool stash of raw cash.<br />
<br />
<span style="color: #e06666;"><b>Even ladies are outsmarting guys in this. </b></span><br />
This is a money making venture, no shame in it. It is available to anybody at all times, even from the corner of your room or wherever so far you have internet-enabled phone.<br />
<span style="color: #0c343d; font-size: x-large;"><b>On The Go!</b></span></div>
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<u><span style="color: #274e13;"><br /></span>
</u></div>
<a ajaxify="https://www.facebook.com/photo.php?fbid=1443093555703072&set=gm.606580302861043&type=3&size=215%2C234&player_origin=groups" class="_4-eo" data-render-location="group" data-testid="theater_link" href="https://www.facebook.com/photo.php?fbid=1443093555703072&set=gm.606580302861043&type=3" rel="theater" style="width: 215px;"></a></div>
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<b><span style="color: #274e13;"></span></b><br />
<a name='more'></a><b><span style="color: #274e13;">This Is How To Do It Without Leaving Your Room</span></b></div>
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<br /></div>
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I don't do shop bets but a lots of friends think I don't do sports betting, guess it? Online style is how I roll.
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<h3>
<div style="text-align: center;">
<h3>
<span style="font-weight: normal; text-align: justify;"><span style="font-size: x-large;">Using <a href="http://www.merrybet.com/Odds/registration/affiliate241366" target="_blank">MerryBet.com</a> as an Example</span></span></h3>
</div>
</h3>
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With subtle differences, the procedure outlined in this article is applicable to all other Nigerian online sports prediction companies (bookmarkers) such as <a href="https://www.nairabet.com/Odds/registration/affiliate1071920" target="_blank">NairaBet.com</a>, <a href="https://www.surebet247.com/registration/affiliate278577" target="_blank">SureBet247.com</a>, and <a href="https://www.1960bet.com/Odds/registration/affiliate467191" target="_blank">1960Bet.com</a> etc<br />
<b><br /></b>
<b>1.</b><b style="color: green;"> </b><b style="color: green;"><span style="color: #274e13;">Choose a Bookmarker of your Choice and Register</span></b> with them using the links at the bottom of this page. For this anology, use this <a href="http://www.merrybet.com/Odds/registration/affiliate241366" target="_blank">MerryBet link</a> directly:<br />
<ul style="text-align: left;">
<li><span style="font-size: x-large;"><a href="http://www.merrybet.com/Odds/registration/affiliate241366"></a><a href="http://www.merrybet.com/Odds/registration/affiliate241366" target="_blank">www.MerryBet.com</a></span></li>
</ul>
</div>
<div style="text-align: justify;">
<b><br /></b>
<b>2.</b> <b style="color: green;">Register with your Real Details</b>, its just a one page registration: Make sure the details are correct because you can only make payouts into a valid bank account, (Savings or Current).</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<b>3. </b>Log in and proceed to <b style="color: green;">FUND your account using your ATM card ONLINE</b><br />
(a). Go to<br />
<ul>
<li><span style="color: black; font-size: x-large;"><a href="http://quickteller.com/merrybet">http://quickteller.com<b>/merrybet</b></a> </span></li>
</ul>
The <b>Customer ID</b> requested on Qickteller.com is your Account ID with the particular bookmarker. Enter your details correctly and your account will be funded instantly.<br />
<br />
<b>OR</b><br />
<br />
(b). Or directly from the website by clicking on the <b>Deposit</b> link (usually at the top of each page either by the right, centralized or left top),</div>
<ul style="text-align: left;">
<li style="text-align: justify;">There are lots of equally very easy online funding options from the bookmarkers eg <b>Webpay</b>, In-house payment systems etc. Try as many as possible and select whichever option seems cool for you. Note: You will not be charged unless the transaction is successful.</li>
<li style="text-align: justify;">Reputable platforms handle the process, so don't be scared --the transaction is secure.</li>
<li style="text-align: justify;">My favorite is the use of ATM debit cards (Verve, Visa, Mastercard, GTBcard etc) but you can also do "<b>direct bank deposit</b>", shop agents or visit an ATM machine etc. But using your ATM online gives you much flexibility, just from the corner of your room, at any time of the day even with your phone.</li>
<li style="text-align: justify;">The Minimum Funding amount is usually N500.</li>
</ul>
<div style="text-align: justify;">
<b>4.</b> <b style="color: green;"><span style="color: #274e13;">Then Start Selecting your Games Combinations (Singles or Accumulators) and Play</span></b><b style="color: green;">:</b> </div>
<div style="text-align: justify;">
</div>
<ul>
<li><b>Virtual games</b> are played under 3 minutes. </li>
<li>Most <b>Real games</b> are played under 2 hours. <span style="text-align: justify;">If your all your selections "become green" all through, no mincing words, Voila! You've just won yourself raw cash.</span></li>
</ul>
<div style="text-align: justify;">
<b>5.</b> <b style="color: green;"><span style="color: #274e13;">Cash out your Money to Your Bank Account (Directly Online)</span></b><b style="color: green;">:</b></div>
<ul><span style="text-align: justify;">
<li>Click on the <b>Payout</b> link then <b>Bank Transfer</b> button</li>
<li>Provide your bank account details and enter an amount (NGN) to withdraw (provided you have exactly that amount or more)</li>
<li>Click <b>NEXT</b> button and your real bank account will be funded. Now you are on top of the world. </li>
<li>The least you can withdraw is usually N1,000 to Maximium of N500,000 or more daily, depending on your bookmarker.</li>
</span>
<li><span style="font-size: medium;"><span style="color: black;"><a href="http://www.merrybet.com/Odds/registration/affiliate241366" style="text-align: center;" target="_blank"><span style="font-size: x-large;"><b>www.MerryBet.com</b></span></a><span style="font-size: large; text-align: center;">, </span></span></span></li>
<li><span style="font-size: large;"><span style="color: black;"><span style="text-align: center;">others are </span></span></span><span style="font-size: large;"><a href="https://www.nairabet.com/Odds/registration/affiliate1071920" target="_blank"><span style="font-size: large;">NairaBet.com</span></a>, <a href="https://www.surebet247.com/registration/affiliate278577" target="_blank"><span style="font-size: large;">SureBet247.com</span></a>, and <span style="font-size: large;"> <a href="https://www.1960bet.com/Odds/registration/affiliate467191" target="_blank">1960Bet.com</a></span></span></li>
</ul>
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-8956763510382079368.post-40702305744163994692016-11-26T09:47:00.000+01:002016-11-28T08:58:02.894+01:00SECRET BEHIND MMM’S 30% REVEALED...Prince Nosa Onaiwu<div dir="ltr" style="text-align: left;" trbidi="on">
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhj2Ef9r4bnHpDEfR1HKiPJi0zKRzdgAJrabjiX78_JQw4jQfvyWuKScZFmz0LZBh8zizr7PG7OrX8JWyEQBpTRCoKPdLgl0CtsClBJSUFaSWTYAsVL6ZcCjgjxgDtT5vBtdLiAvan0PiU/s1600/mmmcov.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="181" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhj2Ef9r4bnHpDEfR1HKiPJi0zKRzdgAJrabjiX78_JQw4jQfvyWuKScZFmz0LZBh8zizr7PG7OrX8JWyEQBpTRCoKPdLgl0CtsClBJSUFaSWTYAsVL6ZcCjgjxgDtT5vBtdLiAvan0PiU/s320/mmmcov.jpg" width="320" /></a></div>
<br />
<a href="https://goo.gl/ShHCPb" target="_blank">MMM</a> is a year old in Nigeria with over
2Million (and counting) members already getting 30% profit on their
spare money every month. How those it work? How does the 30% come about?
Is it really safe? However, if you are not a member yet, join between November 24-30 to win a N1000 at MMM's one year anniversary promo. Read on....<br />
SECRET BEHIND <a href="https://goo.gl/ShHCPb" target="_blank">MMM</a>’S 30% REVEALED.... By <br />
<h3 class="p q">
<b><a href="https://facebook.com/prince.nosa" target="_blank">Prince Nosa Onaiwu</a></b></h3>
<br />
<a name='more'></a>Original post on Facebook at <a href="https://facebook.com/story.php?story_fbid=1444941695534209&id=100000551787113" target="_blank">Secret Behind MMM 30% Revealed</a>. <br />
Martin Luther King Jnr famously said “no lie can live forever”. I
assembled a team of MMM critics and together we spent days researching
the dark secret behind MMM’s unbelievable 30% return on investment
promise. Our recurring question was “how has <a href="https://goo.gl/ShHCPb" target="_blank">MMM</a> consistently delivered
30% profit for millions of people”?<br />
We sought to find out first
from participants, majority of whom seem not to have a deep
understanding of how the 30% is being generated. Our questionnaire was
filled with answers like “I don’t know o but it is real. You better join
us”. Other comments include the following; “it is God sent, it is a
miracle in this recession. God sent mmm”, “I think it is a fraud but I
want to make as much as possible before they run away”.<br />
The
feedback from our questionnaire left us with more questions than
answers. A few people tried to explain that MMM operates on banking
principles. This got my team and I more confused. We decided to visit
their website to read what MMM says about itself. To our greatest shock,
MMM doesn’t even pride itself as an investment company or worse, a High
Yield Investment Program (HYIP). They don’t even offer any guarantees
to their participants. They simply claim to be a sort of “donation
exchange reward program”.<br />
As we researched, we tried to embrace
neutrality – strongly resisting the tempting temptation to call MMM a
scam or fraud. We just wanted to understand the MMM 30% secret or
source. We dug through documents, websites, videos, movies and even
music and found the secret that will shock the whole world - The MMM
secret.<br />
MMM does one thing well, the MMM team knows how to work
within laws to ensure everything they do is legal. We discovered there
are mountains of scary disclaimers which can be concluded to mean
“Donations are made at your own risk”. On this foundation, we built our
research.<br />
After reading several documents, we discovered the MMM
narrative; Donate an amount you can lose or can risk to a fellow
participant (not MMM) and you will be rewarded with MAVRO (we will
explain this later)..<br />
MMM is careful about its words, there is no
mention of profit, interest or investment. They use words like reward,
donation and growth of MAVRO. <br />
Literally, we saw a contrast between what blogs and news papers wrote about MMM and what MMM wrote about MMM.<br />
MAVRO named after the very resilient Russian mathematician and
programmer who founded MMM is the source of MMM’s 30% promise (no
scratch the promise, MMM doesn’t promise anything). MAVRO is the secret.<br />
To understand MAVRO, we will use real life names, situations and
assumptions. Akin (lives in Lagos), Emeka (lives in Aba) and Aisha
(lives in Abuja) are all participants of MMM. They registered for free
and pledged the amount they plan to donate. Akin plans to donate
100,000NGN, Emeka plans to donate 130,000NGN and Aisha plans to donate
200,000NGN. If they all donate to other participants (who have
previously donated), they will be rewarded with MAVRO equivalent to the
amount they donate. Simple<br />
The problem is the MAVRO grows at 30%
and it can be converted to cash and withdrawn. That’s the point where it
gets a bit clumsy. As we dug further, we saw MAVRO for what it truly
is. MAVRO is the score or measurement of the growth of the MMM
community. MAVRO in Nigeria currently grows at 30%, it can be increased
or reduced. The number of participants and the financial value of their
overall pledge determine the growth rate of MAVRO.<br />
As long as the
pledges outnumber the withdrawals, the MAVRO will remain at 30% but if
the difference between the MAVRO and withdrawals isn’t much, the MAVRO
may be reduced to say 10%. To ensure the numbers of pledges keep rising,
MMM offers MAVRO to anyone who tells others about MMM. If Emeka tells
Jude about MMM and Jude pledges 150,000NGN, <a href="https://goo.gl/ShHCPb" target="_blank">MMM</a> will give Emeka 15,000
MAVRO-NGN. Emeka can withdraw his MAVRO by requesting for help in sum of
15,000 NGN.<br />
Why does MMM reward Emeka? The answer is simple;
people like Emeka keep the system strong by referring new people. This
then leads to the question; does MMM need NEW PEOPLE to SURVIVE?<br />
The answer we got from our research shocked us. MMM does not need new
people to survive but only if MMM members trade within themselves. If
MMM participants trade within themselves, there will be no leakages of
the MMM funds and money will remain among MMM members.<br />
To
understand this, let us take a look at banking. Let’s assume a bank
called Wazobia Bank has 1million customers. They have deposits of
1billion Naira. CBN allows the bank to loan out about 60% of their
deposit. This creates 1.6billion Naira (1billion real money and
600million idea of money). Two main factors ensure for the success of
this; collateral backed loans and few leakages. If the loans are not
repaid, the collateral will be sold and people from the bank’s customers
will buy and the 600million will be generated. We will now be back to
1billion naira. The 600million idea of money has vanished. Nobody loses
any money. The debtors simply lost their asset.<br />
Massive leakages
rarely happen in banking because the urban dwellers are active users of
bank accounts. About 70% of the money stays in developed states which
means over 60% of the overall money stays in banks. Even when people
spend money in local areas, it finds its way back to the banking system
because the locals need urban tools to build, eat and survive. In urban
areas, fellow bank customers trade with each other.<br />
For <a href="https://goo.gl/ShHCPb" target="_blank">MMM</a>, as
their participants continue to increase, they will unconsciously begin
to trade with each other. A university student told me of her
experience, she went to make photocopy of her school work and discovered
the woman in charge was all smiles. She wondered if her 30NGN was
responsible for the woman’s smile. A few minutes later, she overheard
the woman telling her sales boy to quickly run to the bank to make
payments for her before <a href="https://goo.gl/ShHCPb" target="_blank">MMM</a> blocks her (MMM gives participants 48hours
to fulfill their pledge to other participants once it is requested).<br />
After further enquiry, she discovered the woman has made 360,000NGN
from MMM. They became friends because the student herself sponsors her
education from donations she receives from MMM. It became a thing of joy
for her to continue to patronize her co participants knowing that every
penny she spends will somehow return to the system as a donation to
someone who needs it.<br />
As MMM participants make money, there will
be a desire to spend. They will be stronger if they patronize themselves
to keep the system strong. This way they won’t need new members to
remain strong. It is the new members who will need them to escape the
hardship that life in Nigeria has to offer.<br />
For those of you that
have taken the bold step to join, I am here to help your do it right.
Send to <a href="https://facebook.com/prince.nosa" target="_blank">Prince</a> the following details to get a free account signup <br />
1; Name<br />
2; Phone number<br />
3; Email address<br />
4; Password you want to use for the account <br />
Send use these details as a message, don't comment it or send to somebody in the comment box to prevent incorrect registration.<br />
After your account is opened, We pledge to guide you through the
processes and answer any question you might have until you totally
understand the ideology and how it works.<br />
You can also call 07065668921 for further assistance.<br />
Also, you can register directly using <span style="font-size: large;"><a href="https://goo.gl/ShHCPb" target="_blank">this link</a></span> <br />
Together we break the chains of financial slavery, <br />
Together we change the world!!!</div>
</div>
Unknownnoreply@blogger.com3tag:blogger.com,1999:blog-8956763510382079368.post-68276679606303668002016-11-25T17:56:00.002+01:002016-11-25T19:02:44.804+01:00MMM is Giving N1000 Away to Newly Registered Members to Mark One Year Anniversary, Nov 24- 30<div dir="ltr" style="text-align: left;" trbidi="on">
<h1 style="text-align: center;">
A 1000 Mavro-Naira Gift for Every Newly Registered</h1>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiG-ioBD-HpguzJEsEMpPAtSiXdWP9i5TVpKLhsHtcMh2blXxHN0uIzLlaRiHwLmbB2QhIu-_JiC8oLXQ4ddZRRKCgygaH9ZLGkPIDzhvaNzPd98eB4FEGBg65-L2kr45J7L1J_MNVXqyY/s1600/MMM+pic+2.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="320" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiG-ioBD-HpguzJEsEMpPAtSiXdWP9i5TVpKLhsHtcMh2blXxHN0uIzLlaRiHwLmbB2QhIu-_JiC8oLXQ4ddZRRKCgygaH9ZLGkPIDzhvaNzPd98eB4FEGBg65-L2kr45J7L1J_MNVXqyY/s320/MMM+pic+2.png" width="320" /></a></div>
According to news on the member-to-member donation platform website, there is going to be a rosy Christmas for all newly registered members between November 24 to November 30, 2016. Hurry now and claim your own N1000 for free. You don't have to do any other thing than <a href="https://goo.gl/ShHCPb" target="_blank"><span style="font-size: large;">registration</span></a> to claim yours.<br />
<div class="info" style="text-align: justify;">
<a name='more'></a></div>
<div class="info" style="text-align: justify;">
The news goes thus:</div>
<div class="content-news" style="text-align: justify;">
<blockquote class="tr_bq">
It has already been one year since the <a href="https://goo.gl/ShHCPb" target="_blank">MMM Community</a> brought
Nigerians together to help each other and change their lives for the
better. To celebrate this first anniversary, <a href="https://goo.gl/ShHCPb" target="_blank">MMM Nigeria</a> announces a
new promo. <b>Every person who will register in <a href="https://goo.gl/ShHCPb" target="_blank">MMM</a> in the period
from November 24 up to November 30 will be awarded 1000 Mavro-Naira as a
gift. </b>No need even to provide help to receive this gift: a
person just needs to sign up in the Community during this period and add
his/her bank account details in the Personal Office. After a while the
amount of 1000 Mavro-NGN will be automatically awarded to his/her PO
account. </blockquote>
<blockquote class="tr_bq">
<div style="text-align: justify;">
The purpose of the offer is to give each registered person an
opportunity to get help from another <a href="https://goo.gl/ShHCPb" target="_blank">MMM</a> member instantly after
registration, and make sure that <a href="https://goo.gl/ShHCPb" target="_blank">MMM</a> works and people really help each
other here.</div>
Dear members! Use this promo and invite all your friends,
acquaintances, colleagues, who are not <a href="https://goo.gl/ShHCPb" target="_blank">MMM</a> members yet, to join our
Community! </blockquote>
<blockquote class="tr_bq">
<div style="text-align: justify;">
When you invite people to join the Community, don't forget to tell
them about <a href="https://goo.gl/ShHCPb" target="_blank">MMM</a> ideology. The goal of <a href="https://goo.gl/ShHCPb" target="_blank">MMM</a> is NOT to assist anyone to get
richer quickly. <a href="https://goo.gl/ShHCPb" target="_blank">MMM</a> creates a platform through which people help each
other directly. And finally, with <a href="https://goo.gl/ShHCPb" target="_blank">MMM</a> people can build a society with no
segregation: where all people will have equal opportunities, regardless
of where they live, what their status is, and who their relatives or
their friends are!</div>
<div style="text-align: justify;">
Invite people to <a href="https://goo.gl/ShHCPb" target="_blank">MMM</a> and share its ideas! Make even greater efforts to spread <a href="https://goo.gl/ShHCPb" target="_blank">MMM</a> ideology among people!</div>
<div style="text-align: justify;">
<b>P. S.</b> Remember that each participant can register only one account in
<a href="https://goo.gl/ShHCPb" target="_blank">MMM</a>. Multiple accounts are easily detected and by the Control and
Revision Office (CRO) and participants get penalized. Get more details
in <a href="http://nigeria-mmm.net/recommendations_on_safe/" target="_blank">Recommendations on Safe Participation</a>.</div>
</blockquote>
<br />
<h2 style="text-align: center;">
<a href="https://goo.gl/ShHCPb" target="_blank"><b><span style="font-weight: normal;"><span style="font-size: x-large;">Click this link for your registration</span></span></b></a> </h2>
</div>
</div>
Unknownnoreply@blogger.com2tag:blogger.com,1999:blog-8956763510382079368.post-3503401004678669672016-11-24T19:55:00.004+01:002017-09-18T14:11:07.872+01:00Online Prowler / Internet Scammer: ENARUNA FERGUSON AGANBI, A Rogue Ecobank Customer, Account No: 5503010618<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="text-align: justify;">
<h2 style="text-align: center;">
<span style="font-size: x-large;">ENARUNA FERGUSON AGANBI, A Rogue Ecobank Customer, Account No: <span style="font-size: medium;"><span style="font-size: large;"><span style="color: red;">5503010618</span></span></span></span></h2>
Being smart with your finances also means being stealthy about who you transact with online. The internet or mobile or social networks can be faceless. While there are lots of very honourable and honest internet users, some fraudsters also thrive under the covert and relative facelessness of the internet to hone their dishonest schemes, even to a ridiculous degree. Some engage in direct manipulation of individuals (<a href="https://en.wikipedia.org/wiki/Social_engineering_(security)" target="_blank">social engineering</a>) to extort. Many of these fraudsters even craft out <br />
<a name='more'></a>legit looking banners and flyers to distribute on various social networks to unsuspecting users and lure them into their shady dealings to dupe.</div>
<div style="text-align: justify;">
</div>
<div style="text-align: justify;">
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; margin-left: 1em; text-align: right;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhuEJHs3abYwIoYpm54Cuud1C-RUj9MGEPiJUiSioRAeKP6lwWc1LzSAMYDOpxgUcI95JzUqaaKDs6L9_p8FNq4jFEmfSimEAkNvFxkFnPhJ2RDp493Dvgca1TNFU_Qd42hg5lhPFbWwIE/s1600/enaruna+ferg.JPG" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="352" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhuEJHs3abYwIoYpm54Cuud1C-RUj9MGEPiJUiSioRAeKP6lwWc1LzSAMYDOpxgUcI95JzUqaaKDs6L9_p8FNq4jFEmfSimEAkNvFxkFnPhJ2RDp493Dvgca1TNFU_Qd42hg5lhPFbWwIE/s400/enaruna+ferg.JPG" width="400" /></a></td></tr>
<tr align="center"><td class="tr-caption"><span style="font-weight: normal;"><span style="font-size: large;">My Payment Details</span></span></td></tr>
</tbody></table>
<br /></div>
<div style="text-align: justify;">
It will be very irresponsible of me if I do not report a case in order to prevent others from falling victim. A simple search lead me to a page on Nairaland [<i><a href="http://www.nairaland.com/3102205/nairalanders-pls-beware-scammer" target="_blank">http://www.nairaland.com/3102205/nairalanders-pls-beware-scammer</a></i>] where the same scammer has being perpetuating his acts. The rundown of everything I will pour out in this article.</div>
<div style="text-align: justify;">
I do buy cheaper data bundles from data re-sellers on expensive networks such as MTN before since I am a broke ass and a heavy internet user, <b>but on recommendation from people</b>. I've never met my usual merchant in person before, the confidence and trust is in place. The idea of trying this new guy out was plain straightforward and natural, I expected honesty from an average individual, especially ones doing business. Was I so naive? I didn't suspect any foul play until immediately after I made the payment.</div>
<h3 style="text-align: justify;">
<span style="font-size: large;">Lessons To Be Learnt<span style="font-weight: normal;"></span> </span></h3>
<ul style="text-align: justify;">
<li>Never trust any internet user you do not know through and through.</li>
<li>Make sure you have positive reviews on the person if the platform has a rating system. </li>
<li>Get proper introduction and recommendation from reliable sources, preferably your friends or relatives.</li>
</ul>
<h3 style="text-align: justify;">
<span style="font-size: large;">We Were Scammed by ENARUNA FERGUSON!</span></h3>
<div style="text-align: justify;">
<span style="font-size: large;"><span style="font-size: small;">ENARUNA FERGUSON AGANBI is a rogue Ecobank customer who imposts around as an SME DATA Reseller, many other persons have recounted their ordeals with this serial fraudster as discussed on this thread [</span></span><span style="font-size: large;"><span style="font-weight: normal;"><span style="font-size: small;"><i><a href="http://www.nairaland.com/3102205/nairalanders-pls-beware-scammer" target="_blank">http://www.nairaland.com/3102205/nairalanders-pls-beware-scammer</a></i>]. I am one of his latest victim and I put this up so you won't fall victim as well.</span></span></span></div>
<div style="text-align: left;">
<span style="font-size: large;"><span style="font-weight: normal;"><span style="font-size: small;">These are the real details he operate with, pls whenever you are online tag his bank #<b>Ecobank</b></span></span></span><a href="https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&ved=0ahUKEwjQwZ69ksLQAhVHAsAKHTGUCUsQ6F4IGTAA&url=https%3A%2F%2Ftwitter.com%2FGroupEcobank%3Fref_src%3Dtwsrc%255Egoogle%257Ctwcamp%255Eserp%257Ctwgr%255Eauthor&usg=AFQjCNGL7hSNKG2zuTbZR2Fj8MvamZ6OTA&sig2=o6xMCW5EQ-kSu5LB9VChQA&bvm=bv.139782543,d.amc"><span style="font-size: small;"><b> </b></span>@GroupEcobank</a><span style="font-size: large;"><span style="font-weight: normal;"><span style="font-size: small;">, and the following agencies #<b>NPF </b></span></span></span><a href="https://twitter.com/PoliceNG?ref_src=twsrc%5Egoogle%7Ctwcamp%5Eserp%7Ctwgr%5Eauthor">@PoliceNG</a><span style="font-size: large;"><span style="font-weight: normal;"><span style="font-size: small;"><b>, #EFCC </b></span></span></span><span style="font-weight: normal;"><a href="https://www.google.com/url?sa=t&rct=j&q=&esrc=s&source=web&cd=1&ved=0ahUKEwjos6eTkcLQAhUqKMAKHYgSACsQ6F4IGTAA&url=https%3A%2F%2Ftwitter.com%2FofficialEFCC%3Fref_src%3Dtwsrc%255Egoogle%257Ctwcamp%255Eserp%257Ctwgr%255Eauthor&usg=AFQjCNHx4a2q1HicTclIi82OTR4rIQYcGQ&sig2=s4j6sEy_lfvkWKBEvK1FAg&bvm=bv.139782543,d.amc">@officialEFCC</a></span><span style="font-size: large;"><span style="font-weight: normal;"><span style="font-size: small;"><b>, #ICPC</b></span></span></span><a href="https://twitter.com/icpc_pe"> @ICPC_PE</a><span style="font-size: large;"><span style="font-weight: normal;"><span style="font-size: small;"><b>,</b> they all can help track him down. These kind of human beings should not have a place in any meaningful society. Your efforts will be much appreciated. </span></span></span></div>
<hr />
<h4 style="text-align: justify;">
<span style="font-size: large;"><span style="font-weight: normal;"><span style="font-size: small;">Bank Name:</span></span></span> </h4>
<h4 style="text-align: justify;">
<span style="color: red;"><span style="font-size: x-large;">ENARUNA FERGUSON AGANBI</span></span></h4>
<h3 style="text-align: justify;">
<span style="font-size: large;"><span style="font-weight: normal;"><b><span style="font-size: small;">Bank Details:</span></b><span style="font-size: x-large;"><span style="color: red;"><b><br /></b></span></span></span></span></h3>
<h3 style="text-align: justify;">
<span style="font-size: large;"><span style="font-weight: normal;"><span style="font-size: x-large;"><span style="color: red;"><b>EcoBank Nigeria, </b></span></span></span><span style="font-size: x-large;"><span style="color: red;">5503010618</span></span></span></h3>
<h3 style="text-align: justify;">
<span style="font-size: large;"><span style="font-size: x-large;"><span style="color: red;"><span style="font-weight: normal;"> </span></span></span></span></h3>
<h3 style="text-align: justify;">
<span style="font-size: large;"><span style="font-weight: normal;"><b><span style="font-size: small;">Scam phone number:</span></b> <span style="color: red;"><span style="font-size: x-large;"><b> </b></span></span></span></span></h3>
<h3 style="text-align: justify;">
<span style="font-size: large;"><span style="font-weight: normal;"><span style="color: red;"><span style="font-size: x-large;"><b>0706541681, </b></span></span></span></span>08141629384, 09066474484, 08131247313</h3>
<div style="text-align: justify;">
<span style="font-size: large;"><span style="font-weight: normal;"><b><span style="font-size: small;">Banner advertisement he uses:</span></b><span style="color: red;"><span style="font-size: x-large;"><b> </b></span></span></span></span></div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhM2yCmKqS3bBceboTUghxp9uPQIQ8CRv546TTUbamc7sSU_xqWVVaZQ8ip1wX4cGXbTEwcCLvk1xtTiTTw9hBTRIq86F3x5IJaRBeVcfd6GnZ7GyqOEivX82pqwz5ukCfaCzxDtgWx7TA/s1600/_data.jpg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto;"><img border="0" height="300" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhM2yCmKqS3bBceboTUghxp9uPQIQ8CRv546TTUbamc7sSU_xqWVVaZQ8ip1wX4cGXbTEwcCLvk1xtTiTTw9hBTRIq86F3x5IJaRBeVcfd6GnZ7GyqOEivX82pqwz5ukCfaCzxDtgWx7TA/s400/_data.jpg" width="400" /></a></td></tr>
<tr align="center"><td class="tr-caption"></td></tr>
</tbody></table>
<hr />
<h3 style="text-align: justify;">
<span style="font-size: large;"><span style="font-weight: normal;"><span style="font-size: small;"> </span></span></span><span style="font-size: large;"><span style="font-weight: normal;"><span style="font-size: small;"></span> </span></span>This was how it goes:</h3>
<ul style="text-align: justify;">
<li>I saw his advert on Nairaland forum sometimes ago, being a banner image, I kept it for later reference. That reference matured today 24 November, 2016.</li>
<li>I called him around 9.00am in the morning and he didn't pick the call.</li>
<li>He called back exactly10:14am to see who it was. I asked about his banner ad and he assured he had all the plans available. To test the water I opt for the least price one thousand, five hundered naira (N1500.00) with the hope that if everything works fine I might come for the bigger offers in the future, that future will not come. <span style="color: red;">I don't want you my reader to be part of his future</span>, he might spend it in jail. </li>
<li>What makes me and (I guess others) fall for his antics was the claim of "<b>payment after delivery</b>", that works the magic at first sight. </li>
<li>I didn't bother for him to send anything before I transferred the N1500 using Quickteller payment system. 5 minutes after our call 10:23am he got the alert.</li>
<li>I called him for acknowledgement of the money, he was not even expecting such swiftness but I saw his message right after dropping the call, reads thus: </li>
<li><div style="margin-left: 40px; text-align: left;">
<b>Number:</b><i> Dataservice</i><b> </b><br />
<b>Content:</b><i> Dear customer, you have received 5028.0MB in your SME shared bundle balance. </i></div>
<div style="margin-left: 40px; text-align: left;">
<i>Expires 24/DEC/2016. Your new balance is 5028.0MB. Activate to browse. </i><b> </b><br />
<b>Ti</b><b>me:</b> <i>11/24/2016 10:22:20 AM</i> </div>
<div style="margin-left: 40px;">
<br /></div>
</li>
<li>I was like "Activate to browse?" How? At this instant I realized immediately what has just happened and I sent this text right away...</li>
<li><blockquote class="tr_bq">
"<i>Oga, I realized what just happened& I'm very sorry. Myt not be your fault.<br />Just like U I am an hustler too, pls find a place in ur gracious heart to send N700 mtn airtime 2 ds line (It's still to buy real data).<br />Pls try &understand that really was my last from my account.</i> " And in truth it was.</blockquote>
</li>
<li>I managed to place a call across to ask him about the activation part. He picked and this was our discussion when I didnt see any response: <b>Discussion With A Scammer!</b> </li>
<li>He claimed he didn't get my SMS and still asked me to send another N500 card to him, an heartless criminal.</li>
<li>He refused to do anything about my plight till now, such an heartless cheat. </li>
</ul>
<div style="text-align: center;">
Dear reader, how do we handle this guy's case? </div>
<div style="text-align: center;">
A lot of aggrieved persons are willing to help on his hunt. </div>
<h4 style="text-align: center;">
<span style="font-size: large;">Watch out for his antics in the meantime.</span></h4>
<div style="text-align: center;">
<span style="font-size: large;">Pls, investigate wherever you are sending your money to, mobile/online transactions can be so volatile.</span></div>
<div style="text-align: center;">
<span style="font-size: large;">Be smart with your finances. </span></div>
</div>
Unknownnoreply@blogger.com10tag:blogger.com,1999:blog-8956763510382079368.post-90207070082466594662016-11-22T17:28:00.000+01:002016-11-22T17:28:00.791+01:00MMM - Mavro-50% Is Available When You Provide Help in Bitcoin<div dir="ltr" style="text-align: left;" trbidi="on">
<h1>
Mavro-50% Is Available When You Provide Help in Bitcoin</h1>
<div class="info">
Check this <a href="http://smartfinanceng.blogspot.com/2016/11/bitcoin-up-and-running-everything-you.html">link for an explanatory introduction to everything you need to know about Bitcoin</a>. The introduction include list of all major platforms where you can register for a wallet address and where you can buy and sell your bitcoins.</div>
<div class="info">
</div>
<div class="info">
For members who wish to have international opportunities to provide help to others all over the <br />
<a name='more'></a>world, <a href="https://goo.gl/ShHCPb">M<span style="font-size: large;">M<span style="font-size: small;">M</span></span></a> announced the availability of <a href="https://goo.gl/dYCC7t" target="_blank"><span style="font-size: x-large;">Bitcoin</span></a> to her members in Nigeria. To cap it all, there is a bumper interest of a whooping 50% instead of 30% experienced in paper currency.</div>
<div class="info">
This concept will allow unobtrusive PH and GH to any member from any part of the world. Also, this will make <a href="https://goo.gl/ShHCPb">M<span style="font-size: large;">M</span>M</a> to be under no government influence.</div>
<div class="info">
<br /></div>
<div class="info">
As announced on <a href="https://goo.gl/ShHCPb" target="_blank">M<span style="font-size: large;">M</span>M Nigeria website</a>:</div>
<blockquote class="tr_bq">
From now on, there is an opportunity for all of the participants of
<a href="https://goo.gl/ShHCPb">M<span style="font-size: large;">M</span>M</a> Nigeria to acquire Mavro-50% when you provide help in Bitcoin.<br />
Mavro-50% work under the same rules as Mavro-30%. For example, all
bonuses are rewarding to them according to the normal procedure.<br />
Bitcoin is an international digital currency. Bitcoin transactions take a
few seconds and the transaction fee is charged very low ($0.05).
Bitcoin does not belong to any government, companies or particular
persons, which allows you to be independent from the banks and to manage
your money as you want. <a href="https://goo.gl/ShHCPb">MMM</a> and Bitcoin strives to beat social
inequality and to make the world more fair. With the help of Bitcoin <a href="https://goo.gl/ShHCPb">MMM</a>
participants can provide financial help to each other worldwide.</blockquote>
For everything you need to know about getting and using bitcoin, <a href="http://smartfinanceng.blogspot.com/2016/11/bitcoin-up-and-running-everything-you.html">check this link out</a>.</div>
Unknownnoreply@blogger.com4tag:blogger.com,1999:blog-8956763510382079368.post-15663015439654027082016-11-22T17:15:00.000+01:002016-11-22T17:29:10.397+01:00Bitcoin Up and Running - Everything You Need to Know<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="text-align: center;">
<span style="font-size: x-large;">Bitcoin - Everything You Need to Know </span></div>
<div style="text-align: justify;">
We are not delving into the technicalities of Bitcoin on this forum, that can be sourced for elsewhere on the internet. The aim here is to introduce you to the basic information you need and its application to every day life.</div>
<div style="text-align: justify;">
<blockquote class="tr_bq">
Bitcoin is a form of digital currency, created and held
electronically. No one controls it. Bitcoins aren’t printed, like
dollars or euros – they’re produced by people, and <br />
<a name='more'></a>increasingly
businesses, running computers all around the world, using software that
solves mathematical problems.<br />
It’s the first example of a growing category of money known as cryptocurrency. <i><a href="http://www.coindesk.com/information/what-is-bitcoin/" target="_blank">Coindesk</a></i></blockquote>
</div>
<div style="text-align: center;">
<h4>
<b><span style="font-size: large;">What makes it different from normal currencies? </span></b></h4>
</div>
<div style="text-align: justify;">
Bitcoin can be used to buy things electronically. In that sense, it’s like conventional dollars, euros, or yen, which are also traded digitally. <br />
However, bitcoin’s most important characteristic, and the thing that makes it different to conventional money, is that it is <b>decentralized</b>. No single institution controls the bitcoin network. This puts some people at ease, because it means that a large bank can’t control their money.</div>
<br />
<br />
To start using Bitcoin you need these things:<br />
<ul style="text-align: left;">
<li>A <b>bitcoin wallet</b> and <b>wallet address</b> and </li>
<li>Your <b>normal currency</b> to trade and convert to bitcoin or vice versa</li>
<li>An <b>exchanger</b> <a href="https://goo.gl/dYCC7t" target="_blank">locatbitcoins.com has local presence in almost every country.</a></li>
</ul>
A wallet address (is like your bank account number) where bitcoins (money) get sent to directly.<br />
While Wallet is like a purse where you keep your bitcoins (money). This wallet can be on a web or on a mobile app or on a desktop pc. All the features come with adequate security but your actions and in-actions can get you exposed to hacking attempts, so follow guidelines and provided instructions, enable high level of security and also 2-steps authentication is always good.<br />
You may acquire bitcoin in any way and yet convert it through <a href="https://goo.gl/dYCC7t" target="_blank">bitcoin exchangers</a> to your normal currency. However, you can use your bitcoin on merchant site accepts it, bitcoin is a currency of the internet and is gaining immense popularity by the minutes.<br />
<h4 style="text-align: center;">
<span style="font-size: large;">Where to get a Bitcoin Wallet Address and Buy/Sell Bitcoins?</span></h4>
<div style="text-align: justify;">
Here is a list of bitcoin exchanger and/or wallet repositories. Some function as exchangers only while some provide wallet and exchanger services and others wallet only. This is subjective but blockchain.info seems to have the best and most intuitive security features in place.</div>
<table>
<tbody>
<tr>
<td><span style="font-size: large;">Blockchain</span></td><td>Wallet</td><td><a href="https://blockchain.info/" target="_blank">Blockchain.info</a></td></tr>
<tr><td><span style="font-size: large;">Localbitcoins</span></td><td>Wallet & Exchanges</td><td><a href="https://goo.gl/dYCC7t" target="_blank">Locatbitcoins.com</a></td></tr>
<tr><td><span style="font-size: large;">Coinbase</span></td><td>Wallet & Exchanges</td><td><a href="https://goo.gl/VIHai4" target="_blank">Coinbase.com</a></td></tr>
<tr><td><span style="font-size: large;">NairaEx</span></td><td>Exchanges </td><td><a href="https://goo.gl/2DYpWl" target="_blank">NairaEx.com</a></td></tr>
<tr><td><span style="font-size: large;">BitGo</span></td><td>Wallet & Exchanges</td><td><a href="https://bitgo.com/" target="_blank">Bitgo.com</a></td></tr>
<tr><td><span style="font-size: large;">BitFinex</span></td><td>Wallet & Exchanges</td><td><a href="https://bitfinex.com/" target="_blank">Bitfinex.com</a></td></tr>
<tr><td><span style="font-size: large;">BitX</span></td><td>Wallet & Exchanges</td><td><a href="https://bitx.co/" target="_blank">Bitx.co</a></td></tr>
</tbody></table>
<div style="text-align: center;">
<h4>
<b><span style="font-size: large;">What are its characteristics?</span></b></h4>
</div>
Bitcoin has several important features that set it apart from government-backed currencies. <br />
<ul style="text-align: left;">
<li><b>It's decentralized</b>:
The bitcoin network isn’t controlled by one central authority. Every
machine that mines bitcoin and processes transactions makes up a part of
the network, and the machines work together. </li>
<li><b>It's easy to set up</b>: unlike conventional banks, you can set up a bitcoin address in seconds, no questions asked, and with no fees payable. <b> </b></li>
<li><b>Can be anonymous</b>:
Users can hold multiple bitcoin addresses, and they aren’t linked to
names, addresses, or other personally identifying information. If you
have a publicly used bitcoin address, anyone can tell how
many bitcoins are stored at that address. </li>
<li><b>Transaction fees</b> are relatively cheaper: Your bank may impose a high fee as charge for international transfers. Bitcoin doesn’t. </li>
<li><b>It’s fast</b>: You can send money anywhere and it will arrive minutes later, as soon as the bitcoin network processes the payment. </li>
<li><b>It’s non-repudiable</b>: When your bitcoins are sent, there’s no getting them back, unless the recipient returns them to you. They’re gone forever. </li>
</ul>
<br />
<div style="text-align: center;">
Check the internet for more breakdown of bitcoin. </div>
<div style="text-align: center;">
Now this is enough to get you up and running. Good luck in your bitcoin use. </div>
</div>
Unknownnoreply@blogger.com2tag:blogger.com,1999:blog-8956763510382079368.post-39297558374112538562016-11-22T14:30:00.002+01:002016-11-26T10:08:51.347+01:00NNN Nigeria is Here, 35% in 21 days is their Offer<div dir="ltr" style="text-align: left;" trbidi="on">
<h1 class="post-heading">
NNN Nigeria is Here: An Alternative to MMM?</h1>
In programming, N is greater than M, applying this rule, does it mean NNN Nigeria has better offers in the offing? Let's dive into their features which is an exact replica of MMM through and through. The platform can be easily assumed to come from higher members of MMM who want to make theirown unique statment in the world of member-to member donation's world.<br />
Can they really compete with the much-loved MMM in Nigeria?<br />
To check them out<span style="font-size: large;"> <a href="https://goo.gl/V3rifB" target="_blank">get an account right now</a></span>.<br />
<br />
<a name='more'></a>The major difference I can spot
between NNN and MMM is in these three things<br />
<table style="border: 1px; padding: 5px;">
<tbody>
<tr><td><b>Name</b></td><td><span style="color: #38761d;">MMM</span></td><td></td><td>NNN</td><td></td></tr>
<tr><td><b>Rate</b></td><td><span style="color: #38761d;">30% in 30 days</span></td><td></td><td>35% in 21 days</td><td></td></tr>
<tr><td><b>Terms</b></td><td><span style="color: #274e13;">Mavros</span></td><td></td><td>Navros</td><td></td></tr>
</tbody></table>
and generally the web pages and also, you can link your Facebook profile in.<br />
<br />
The site name <span style="font-size: large;"><a href="https://goo.gl/V3rifB" target="_blank">https://nnn-office.com</a><span id="goog_2114056234"></span><span id="goog_2114056235"></span></span> and referer link are almost same. Other things such as the platform rules and mode of operation are not different. A member of MMM will transition effortlessly from MMM into NNN and vice versa.<br />
<ul style="text-align: left;">
<li>NNN Nigeria has a 35% bonus payout on your initial
donation after 21 days. </li>
<li>5,000 registration bonus if you put
25,000 and above </li>
<li>25,000 naira bonus if you put 200,000 and above </li>
<li>50,000
naira if you put 1,000,000 naira and above.
</li>
<li>You get 10% of your referrals donation</li>
<li>You get 100,000 naira for referring 100 people </li>
<li>2,000 naira for every 5 people.</li>
</ul>
<div style="text-align: center;">
Join them on <a href="https://www.facebook.com/groups/1039170719539072/" target="_blank">NNN Nigeria on Facebook</a> </div>
<div style="text-align: center;">
</div>
<h3 style="text-align: center;">
<b>LEARN HOW THE PORTAL WORKS </b></h3>
<h3 style="text-align: center;">
<b>(As stated on the page)</b></h3>
<div style="text-align: left;">
Welcome to NNN, here you don’t lose any
money you donate. It is the best system and very intelligent. Together
we can CHANGE the world. <a href="https://www.facebook.com/groups/1039170719539072/" target="_blank">Locate NNN facebook page and like it</a>, so that you can get firsthand information.</div>
<div style="text-align: left;">
Most importantly, remember no Goverment or
law can stop NNN, Only God can stop NNN and got have said, Give and it
shall be given onto you, therefore God support NNN.</div>
<h3 style="text-align: center;">
<b>Your Account</b></h3>
<div style="text-align: left;">
Before you start using the system, you must
<a href="https://goo.gl/V3rifB" target="_blank"><span style="font-size: large;">register</span></a> and provide valid email and phone and contact details. The
Account name and number are expected to be yours either company account
or individual’s you are expected to use a commercial bank account, not
the other bank that is not available in all states.You must add at least
two account numbers and you cannot delete or change them for security
reasons. Add two so that no hacker can enter your dashboard and take
your money. If you want to change your account number write to support,
if you don't have two account numbers add the same account number twice
to lock your account area security.</div>
<h3 style="text-align: center;">
How to Donate</h3>
<ol>
<li>On the dashboard, you click on <b>Donate</b>
enter the amount you want to donate in denomination of 500, max of 500k.
You can see it in your donations and in your Matches.</li>
<li>
You wait few days to be matched with a
participant that wants to <b>GetHelp</b>. Once the matching is done, you will
get a mail notification. This mail might fail sometimes and you will not
blame the internet or our Ai(Artificial Intelligence).</li>
<li>
You log on to the portal and click on my
donations, you have been matched with at least one participant, click
on Open to view them click on detail on each one where you will see the
participant’s name and bank detail.. Click on “<span style="color: #274e13;"><b>I accept to Donate</b></span>” (very
important before you pay). Or you might decide to click on “<b><span style="color: red;">I Reject to
Donate</span></b>” where your account will be suspended you will be deleted
forever and ever! And all your family members will becomes suspects on <a href="https://goo.gl/V3rifB" target="_blank">NNN</a>– Am sure you do not want to do this to them… And you have two
working days to complete the payment proccess. If after two days and you
have not paid, be sure to ask the Receiver to extend your time and
must have Accepted to pay if not the Ai will delete your matching.</li>
<li>
Once you are done paying, get back to
the portal and in your donation submit your Proof of Payment(POP), it is
not compulsory to scan your payment slip.. Ensure your Receiver
verifies the payment within 24hrs.</li>
<li>If you are calling the receiver and they
are not picking call, forget them, go ahead and make your payment and
scan your POP and upload.</li>
<li>Once your receiver has confirmed your
payment, you will not see it on your donations, you can only see it on
your Matches, click on Matches at the left.. <span style="color: red;">Please don’t donate or Get help more than 20 times at a time….</span></li>
</ol>
<h3 style="text-align: center;">
<b>How to Withdraw</b></h3>
<ol style="text-align: left;">
<li><b>Before you withdraw, you must have
donated</b>. All your donation and the percentages and your bonuses of all
kinds are credited to your navros, you must withdraw them from your
navros to your wallet before you get help.</li>
<li>Click on Navros at the left. All your
Credited <b>Navro</b>s are frozen for two weeks, after which you can withdraw
but its best you wait till 21 days for the navros to complete.. If your
Navros complete after 21 days and you fail to withdraw: Nothing will
happen, it will just remain there untill you decide to withdraw.</li>
<li>For the navros you wish to withdraw, click on <b>Withdraw</b>, it will be added to your wallet and you can see it at the top.</li>
<li>To get help then come back to homepage
after clicking on withdraw, you click on <b>GetHelp</b> and enter the amount to
GetHelp. Then you wait to be matched with donors… Be sure to verify the
payment at your GetHelp dashboard once the donor pay and you verify.. If
the donor do not want to pay, kindly ask them to click on “<b>I refuse to
donate</b>”.</li>
<li>If the donor uploaded fake POP, kindly
call the donor and ask for fixing… If they continue to be a goat,
quickly write to support to block their account and match you with
another participant..</li>
</ol>
<h3 style="text-align: center;">
<b>Account Termination</b></h3>
<ul style="text-align: left;">
<li>How to get your Account Suspended. No body
can suspend your account. The Ai <b><span style="color: red;">suspends account</span></b> in one reason only, <span style="color: red;"><b>if
you refuse to donate when matched</b></span>. If you are not interested in
participating, its better you do not register, do not come to NNN to
play around.</li>
<li>Your name will be listed in our blog as one
of the non sincere individuals in the country. <u>Your countrymen will
find it difficult to support you both politically and otherwise</u> (I found this amusing). If you
are matched to donate you are given two working days to complete the
task.</li>
<li>If you want to buy more time, kindly click
on “I agree to pay” else your account will be suspended after two
working days automatically. To buy more time, always call your receiver
to be patient once you have clicked on “<b>I accept to pay</b>” you cannot keep
hold till <b>3 more day</b>s after you accept to pay (if you still did not pay
the system will suspend you forever and ever.)</li>
<li>If your account is suspended definitely
because you refused to participate, and you want to come back to the
system again, you will write your “Letter of Apology”. This Letter you
must state why your account was suspended and post it on NNN
participants Community(Facebook, whatsapp, etc). You will get a screen
shot of Participants accepting you back, find a way to deliver this
screen shot to NNN support… Finally, if you are accepted, you will pay a
fine of <span style="color: red;">N1,000.00</span> and you can never get first time bonus again.</li>
</ul>
</div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-8956763510382079368.post-37765354927979616712016-11-16T22:27:00.001+01:002016-11-18T20:05:18.478+01:00How To Send Money Abroad, Without Exchanging for Hard Currency<div dir="ltr" style="text-align: left;" trbidi="on">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg2LFu2LVoQvQE3Bi08fkNZ4r2ejcpx2vkxt2TezO7VveZKyFWePtyb5KKj3h-mIumEwTxz8PPpJAxWe0ZrNW9m7imcKftRP7PxZTknajSJCjApdCR6T5uH-ktVJ2lcpBbyd_dghOEeYro/s1600/send+money+images.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="267" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg2LFu2LVoQvQE3Bi08fkNZ4r2ejcpx2vkxt2TezO7VveZKyFWePtyb5KKj3h-mIumEwTxz8PPpJAxWe0ZrNW9m7imcKftRP7PxZTknajSJCjApdCR6T5uH-ktVJ2lcpBbyd_dghOEeYro/s400/send+money+images.jpg" width="400" /></a></div>
<div style="text-align: justify;">
A lot of families are finding it really hard to send funds to their relatives and business partners abroad. No thanks to the economic recession that Nigeria as a country is passing through. Government policy through CBN directives is ensuring that hard currency is not enjoying exuberant ovation in the nation's financial system. <br />
In this article, I will give the 3-steps guideline on how to go about sending your fund within few hours (all the processes and funds transfer), you can always use the process afterwards.<br />
<a name='more'></a></div>
<br />
<ul style="text-align: left;">
<li>- You transfer your money from Naira to any currency of your choice</li>
<li>- You send money to any currency in any part of the world.</li>
<li>- You transfer funds to your domiciliary account with ease.</li>
<li>- You don't need a BDC</li>
<li>- You don't need a Dollar/Euro/Yen or whatever currency</li>
<li>- You don't need a bank</li>
<li>- You don't have to leave your house or wherever you are right now</li>
<li>- You don't really need anybody else because everything is online and you do it all by yourself</li>
<li>- I am only giving you the tips on how to go about it</li>
</ul>
<div style="text-align: justify;">
- Now you can be at peace with reaching out to your children/siblings/friends abroad.</div>
<div style="text-align: justify;">
<span style="font-size: large;">Let's get down to business</span></div>
<div style="text-align: justify;">
You should be getting familiar with online and electronic currencies now if you are not already. Everything you can think of is getting taken over or having a technological equivalent, even getting the job done better. In the word of online transactions, electronic currencies such as Bitcoin, Payeer, Skrill and a host of others are widely accepted legal tenders. Of the myriads of e-currencies available, bitcoin is the most popular and has gained mainstream acceptance as a currency and is used in payment system in select countries and many major companies PayPal, Microsoft, Dell, Neweg.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Contributing more to the popularity of these currencies is the fact that they can be flexibly converted from one currency to the other, by online payment pre-processors. Also, making fees paid during transactions with them are relatively cheaper.</div>
<div style="text-align: justify;">
<span style="font-size: large;"><br /></span></div>
<div style="text-align: justify;">
<span style="font-size: large;">This is how it goes in three steps:</span><br />
1. Register at <span style="font-size: large;"><a href="https://localbitcoins.com/?ch=7s7n" target="_blank">localbitcoins</a></span> for a bitcoin wallet and address. then buy the equivalent of the amount of money you want to send in Bitcoin from the sellers (could be on the site or elsewhere).<br />
<br />
2. Register and validate your account on <span style="font-size: large;"><a href="http://www.payza.com/?QJwbqvZnQf3pNKdchLjVu1mbyr%2fdRPH0yPqEW0ILDQY%3d" target="_blank">Payza</a></span>. Transfer the money from your bitcoin wallet to your Payza account.<br />
<br />
3. From Payza account you can transfer to any bank account in any currency of your choice in any country in the world. You may have to pay a minor processing fee during transactions. </div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Yes, it is as simple as this.</div>
</div>
Unknownnoreply@blogger.com4tag:blogger.com,1999:blog-8956763510382079368.post-45167598439080840382016-11-06T06:46:00.002+01:002016-11-08T21:28:40.545+01:00An Even Bigger Competitor to MMM is Here<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="text-align: justify;">
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjHyBaPG775aC-saGuF1jJWBAHZYWO5-hlxdZEnRmxrkfADePUZrHq_CnYZkeKIA9V6-_kHR3tUvos00jbTGIMnBPPlw-G96Z_ggjESe3Eo7zKxqgkftLcqhq5cWaKTTHPByAFPa8fgMVs/s1600/icharity.JPG" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjHyBaPG775aC-saGuF1jJWBAHZYWO5-hlxdZEnRmxrkfADePUZrHq_CnYZkeKIA9V6-_kHR3tUvos00jbTGIMnBPPlw-G96Z_ggjESe3Eo7zKxqgkftLcqhq5cWaKTTHPByAFPa8fgMVs/s1600/icharity.JPG" /></a></div>
An even crazier competitor to MMM is here, heard of <span style="font-size: large;"><a href="http://icharity.club/member/register/?ref=tfrenzy" target="_blank">iCharity Club</a></span> before?<br />
Well they give you chance to earn <b>5x</b> of initial
donation of <b>N6000</b> as <b>5</b> persons donate exactly that amount to you as
downlines: <b>N6000 x5</b> = <b>N30,000</b> and next level is <span style="color: #073763;"><b>N12000 x5</b></span> = <span style="color: #38761d;"><b>N60,000</b></span> and on and on till
you reach Grade 10, lol. MLM thingy? Kind of, not much effort from you except your initial donation. Members under you get the job done.<br />
<ul>
<li><span style="font-size: large;"><a href="http://icharity.club/?ref=tfrenzy">Homepage</a> </span></li>
<span style="font-size: large;"></span>
<li><span style="font-size: large;"><a href="http://icharity.club/slide-en/?ref=tfrenzy" target="_blank">Introduction</a></span></li>
<li><span style="font-size: large;"><a href="http://icharity.club/member/register/?ref=tfrenzy">Registration</a></span></li>
</ul>
</div>
<div style="text-align: justify;">
iCharity Club is a member-to-member donation platform for members to
help other members in a systematic way. By using this platform, member
can give and receive donations from each other.
</div>
<div style="text-align: justify;">
</div>
<a name='more'></a>In summary, iCharity Club donation plan is the donation from member to member according to respective donation.<br />
<br />
iCharity Club donation plan can be simplified as:<br />
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
</div>
<div style="text-align: justify;">
That is what I've extracted from their website and they've been in existence for more than a year.<br />
Legal tender spans across most major currencies, Nigerian Naira inclusive and other crypto-currencies. </div>
<div style="text-align: justify;">
Read more on them. </div>
<div style="text-align: justify;">
<br /></div>
</div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-8956763510382079368.post-38346574284444966512016-11-04T10:48:00.000+01:002016-11-04T10:48:03.725+01:00Goal.com Nigeria in Partnership with LionsBet.com Bookmakers<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="text-align: justify;">
According to <a href="http://www.goal.com/en-ng/">Goal Nigeria</a>, the company is now in a new partnership with LionsBet bookmakers. The company offers online customers a wealth of options when it comes to betting through <a href="http://www.lionsbet.com/">lionsbet.com.</a></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
The innovative sport betting platform offers the best odds in Nigeria with no hidden fees or commissions on deposits. The website is simple to use, safe & secure and backed by a team of sports betting experts with the aim of delivering the best online sports betting experience in Nigeria with an unrivalled customer service.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
LionsBet offers up to 5million naira combination bonus on bet slips with a variety of loyalty promotions that will shake your bank account. Registration is the first step to enjoying all these benefits after which you make a deposit and then play.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<a href="https://www.lionsbet.com/deposits">Funding your account will open up to you the following:</a></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<ul>
<li>100% first deposit bonus up to N10,000</li>
<li><br /></li>
<li>A wide selection of sports betting pre & live matches,</li>
<li><br /></li>
<li>Up to 100 virtual games including football, dog, horse racing and many more</li>
<li><br /></li>
<li>Plus instant payout of your winnings in less than 10 minutes upon request.</li>
</ul>
</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
LionsBet is licensed and regulated by the Lagos State Lotteries Board.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
It’s time for an upgrade Nigeria! Welcome to the Kings’ arena, we treat you like royalty!</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Visit <a href="http://www.lionsbet.com/">www.lionsbet.com</a> today to start making money from your favorite matches.</div>
<div style="background-color: white; color: #081f2c; font-family: Arial, "Helvetica Neue", Helvetica, sans-serif; font-size: 15px; text-align: justify;">
<br /></div>
</div>
Unknownnoreply@blogger.com2tag:blogger.com,1999:blog-8956763510382079368.post-47622650555501494762016-10-30T12:12:00.000+01:002016-10-30T12:16:25.178+01:00List: Direct Download Links to Updated Nigerian Banks Mobile Banking Apps<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="text-align: justify;">
To make your banking life a whole lot Smart, fun, and easier, adopting D-I-Y (Do It Yourself) concept of <span style="font-size: large;"><a href="http://smartfinanceng.blogspot.com/2016/10/mobile-banking-in-nigeria.html" target="_blank">Mobile Banking</a></span> is the way to go. Always convenient, fast and secure. With Mobile Banking services you can do basic banking transactions from the convenience of your mobile phone anywhere anytime.<br />
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhBeVhxNTHerXNCu9NeWB6Sno3SF3RZ9OLvtUwP07vv9ETc5pj2RMSBgWtRqRc1O5SrF3fa0bV2WlXDdueryCm-so-O5GtSO_B_sUwrt_rf1rviRU60upjQGBc1ZWH6hHYE2OSl3fu1_Ow/s1600/lloyds.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="343" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhBeVhxNTHerXNCu9NeWB6Sno3SF3RZ9OLvtUwP07vv9ETc5pj2RMSBgWtRqRc1O5SrF3fa0bV2WlXDdueryCm-so-O5GtSO_B_sUwrt_rf1rviRU60upjQGBc1ZWH6hHYE2OSl3fu1_Ow/s400/lloyds.jpg" width="400" /></a></div>
<br /></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Compiled in the list below is the download link, reviews and android version support to all banking <br />
<a name='more'></a>apps (Android) provided by <span style="font-size: large;"><a href="http://smartfinanceng.blogspot.com/2016/10/exhaustive-list-of-commercial-banks-in.html" target="_blank">commercial banks in Nigeria</a></span>. All can be downloaded directly from Google Play Store, however, the links on this list points directly to the individual download page for the respective app.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
NB: The reviews shown on this list is as at 30th October 2016, on the download page as reviewed by users. With subsequent update some apps may gain better ratings or otherwise. Also, keep in mind that different app have different release dates or number of raters and so ratings depends on a number of factors. The best way to decide is for you to download and assess the service.</div>
<div style="text-align: justify;">
<br /></div>
<table style="text-align: justify;">
<tbody>
<tr><td><b> Bank </b></td><td><b>App Download Link</b></td><td><div style="text-align: justify;">
<b>Reviews </b></div>
</td><td><div style="text-align: justify;">
<b>Android</b></div>
</td><td><div style="text-align: justify;">
<b>Updated On</b></div>
</td></tr>
<tr><td><b>Access </b>Bank Plc</td><td><a href="https://play.google.com/store/apps/details?id=com.accessbank.accessbankapp&hl=en">Access Mobile App</a></td><td><div style="text-align: justify;">
4.0</div>
</td><td><div style="text-align: justify;">
4.0 and up</div>
</td><td><div style="text-align: justify;">
Jun 02, '16</div>
</td></tr>
<tr><td><b>Citi </b>Bank<b> </b>Nigeria Ltd</td><td>#</td><td><div style="text-align: justify;">
-</div>
</td><td><div style="text-align: justify;">
-</div>
</td><td><div style="text-align: justify;">
-</div>
</td></tr>
<tr><td><b>Diamond </b>Bank Ltd</td><td><a href="https://play.google.com/store/apps/details?id=com.vanso.diamondmobileapp">Diamond Mobile</a></td><td><div style="text-align: justify;">
4.1</div>
</td><td><div style="text-align: justify;">
4.0 and up</div>
</td><td><div style="text-align: justify;">
Jun 23, '16</div>
</td></tr>
<tr><td><b>Ecobank</b> Nigeria Plc</td><td><a href="https://play.google.com/store/apps/details?id=com.app.ecobank">Ecobank Mobile</a></td><td><div style="text-align: justify;">
3.9</div>
</td><td><div style="text-align: justify;">
4.1 and up</div>
</td><td><div style="text-align: justify;">
Oct 19, '16</div>
</td></tr>
<tr><td><b>Fidelity</b> Bank Plc</td><td><a href="https://play.google.com/store/apps/details?id=com.interswitchng.www" target="_blank">Fidelity Online</a></td><td><div style="text-align: justify;">
3.8</div>
</td><td><div style="text-align: justify;">
4.0 and up</div>
</td><td><div style="text-align: justify;">
Apr 14, '16</div>
</td></tr>
<tr><td><b>First Bank </b>of Nigeria Ltd.</td><td><a href="https://play.google.com/store/apps/details?id=com.firstbank.firstmobile">First Mobile</a></td><td><div style="text-align: justify;">
4.1</div>
</td><td><div style="text-align: justify;">
4.1 and up</div>
</td><td><div style="text-align: justify;">
Oct 27, '16</div>
</td></tr>
<tr><td><b>First City Monumen</b>t Bank Ltd.</td><td><a href="https://play.google.com/store/apps/details?id=com.fcmbmobile.ui">FcmbMobile</a></td><td><div style="text-align: justify;">
4.1</div>
</td><td><div style="text-align: justify;">
2.3.3 and up</div>
</td><td><div style="text-align: justify;">
Aug 05. 16</div>
</td></tr>
<tr><td><b>Guaranty Trust</b> Bank Plc.</td><td><a href="https://play.google.com/store/apps/details?id=com.vanso.gtbankapp">GTBank Mobile App</a></td><td><div style="text-align: justify;">
4.0</div>
</td><td><div style="text-align: justify;">
4.0 and up</div>
</td><td><div style="text-align: justify;">
Jul 21, '16</div>
</td></tr>
<tr><td><b>Heritage</b> Bank Ltd.</td><td><a href="https://play.google.com/store/apps/details?id=com.heritagemobile.ui">HBMobile</a></td><td><div style="text-align: justify;">
4.2</div>
</td><td><div style="text-align: justify;">
3.0 and up</div>
</td><td><div style="text-align: justify;">
Aug 23, '16</div>
</td></tr>
<tr><td><b>Keystone</b> Bank Ltd.</td><td><a href="https://play.google.com/store/apps/details?id=com.keystone.keystone" target="_blank">Keystone m-Banking</a></td><td><div style="text-align: justify;">
3.6</div>
</td><td><div style="text-align: justify;">
4.1 and up</div>
</td><td><div style="text-align: justify;">
Oct 04, '16</div>
</td></tr>
<tr><td><b>Providus</b> Bank Plc</td><td><div style="text-align: justify;">
#</div>
</td><td><div style="text-align: justify;">
-</div>
</td><td><div style="text-align: justify;">
-</div>
</td><td><div style="text-align: justify;">
-</div>
</td></tr>
<tr><td><b>Stanbic IBTC</b> Bank</td><td><a href="https://play.google.com/store/apps/details?id=com.swipemax.wallet">StanbicIBTC Mobile</a></td><td><div style="text-align: justify;">
3.9</div>
</td><td><div style="text-align: justify;">
4.0 and up</div>
</td><td><div style="text-align: justify;">
Oct 04, '16</div>
</td></tr>
<tr><td><b>Skye </b>Bank</td><td td=""><a href="https://play.google.com/store/apps/details?id=com.skyemobile.ui" target="_blank">SkyeMobile</a></td><td><div style="text-align: justify;">
3.7</div>
</td><td><div style="text-align: justify;">
4.0 and up</div>
</td><td><div style="text-align: justify;">
Jul 20, '16</div>
</td></tr>
<tr><td><b>Standard Chartered</b> Bank Ng Ltd</td><td><a href="https://play.google.com/store/apps/details?id=com.sc.breezenigeria.banking">Standard Chartered Mo</a></td><td><div style="text-align: justify;">
3.8</div>
</td><td><div style="text-align: justify;">
4.0 and up</div>
</td><td><div style="text-align: justify;">
Jul 24, '16</div>
</td></tr>
<tr><td><b>Sterling</b> Bank Plc</td><td><a href="https://play.google.com/store/apps/details?id=com.mfino.sterling">Sterling Money</a></td><td><div style="text-align: justify;">
3.9</div>
</td><td><div style="text-align: justify;">
2.1 and up</div>
</td><td><div style="text-align: justify;">
Mar 10, '15</div>
</td></tr>
<tr><td><b>Suntrust</b> Bank Nigeria Ltd</td><td><div style="text-align: justify;">
#</div>
</td><td><div style="text-align: justify;">
-</div>
</td><td><div style="text-align: justify;">
-</div>
</td><td><div style="text-align: justify;">
-</div>
</td></tr>
<tr><td><b>Union</b> Bank of Nigeria Plc.</td><td><a href="https://play.google.com/store/apps/details?id=com.unionmobileng.ui">UnionMobile</a></td><td><div style="text-align: justify;">
4.1</div>
</td><td><div style="text-align: justify;">
2.3.3 and up</div>
</td><td><div style="text-align: justify;">
Oct 24, '15</div>
</td></tr>
<tr><td><b>United Bank for Africa</b> Plc.</td><td><a href="https://play.google.com/store/apps/details?id=com.uba.vericash" target="_blank">U-Mo</a></td><td><div style="text-align: justify;">
3.7</div>
</td><td><div style="text-align: justify;">
4.0 and up</div>
</td><td><div style="text-align: justify;">
Oct 07, '16</div>
</td></tr>
<tr><td><b>Unity</b> Bank</td><td><a href="https://play.google.com/store/apps/details?id=com.unitymobile.ui">UnityMobile</a></td><td><div style="text-align: justify;">
4.2</div>
</td><td><div style="text-align: justify;">
3.0 and up</div>
</td><td><div style="text-align: justify;">
Aug 10, '15</div>
</td></tr>
<tr><td><b>Wema</b> Bank Plc.</td><td><a href="https://play.google.com/store/apps/details?id=com.wemabank.wemaapp" target="_blank">WemaMobile</a></td><td><div style="text-align: justify;">
4.5</div>
</td><td><div style="text-align: justify;">
2.3.3 and up</div>
</td><td><div style="text-align: justify;">
Oct 21, '16</div>
</td></tr>
<tr><td><b>Zenith </b>Bank Plc.</td><td><a href="https://play.google.com/store/apps/details?id=com.zenithBank.eazymoney" target="_blank">Zenith Mobile App</a></td><td><div style="text-align: justify;">
4.2</div>
</td><td><div style="text-align: justify;">
2.3 and up</div>
</td><td><div style="text-align: justify;">
Jul 01, '16</div>
</td></tr>
</tbody>
</table>
<div style="text-align: justify;">
<span style="font-weight: normal;"><br /></span>
<span style="font-weight: normal;">Endeavor to look for newer version on the playstore if you visit this page much longer after the publication date. Many of the apps on this list would get updated anytime and many will remain for a longer time before a newer update is rolled out. The will continue to get updated on <i>Smart Finance</i> as well. always use the search box.</span><br />
<span style="font-weight: normal;">
Think your bank is missing? Don't fail to point it out in the comment box, this list is may not be exhaustive after all.</span></div>
</div>
Unknownnoreply@blogger.com2tag:blogger.com,1999:blog-8956763510382079368.post-4968167260663272772016-10-24T21:15:00.000+01:002016-10-30T12:40:44.855+01:00EJinsight: Man or Robots, Who Will Win in This Fintech Era?<div dir="ltr" style="text-align: left;" trbidi="on">
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The topic of the 2016 Financial Planning Association’s Annual Conference was <a href="http://smartfinanceng.blogspot.com/2016/09/financial-technology-fintechs-companies.html" target="_blank">financial technology</a>.</div>
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Global financial planners discussed the future direction of the industry and how that would transform our daily life. One of the most interesting topic was whether artificial intelligence (AI) would eventually replace human beings in the financial services industry.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjgG0_lt0GrA4Hdeb6YGfdzlkv6MnUvCbbnTD3NBqEA51MgLzBvFL4GkPuYNvNS-_O0uqxRr_iq61xE6rNaZhCBO5vdYcmLera4TvLE3Byj2v4zytG6rBnHxLhrwC7lf1IkogNhgmKNi-w/s1600/computing.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="206" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjgG0_lt0GrA4Hdeb6YGfdzlkv6MnUvCbbnTD3NBqEA51MgLzBvFL4GkPuYNvNS-_O0uqxRr_iq61xE6rNaZhCBO5vdYcmLera4TvLE3Byj2v4zytG6rBnHxLhrwC7lf1IkogNhgmKNi-w/s400/computing.jpg" width="400" /></a></div>
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If so, which sub-sectors are more vulnerable?</div>
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We all know that computers can process a huge database and has advanced calculation capabilities. And robots are free from the influence of emotion and character. Quantitative trading that requires a lot of number crunching and discipline is exactly where computers excel, which is why fund managers in this arena are most vulnerable to the rise of machines.</div>
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By contrast, the value investment approach adopted by investors like Warren Buffett should be more immune to such technological change as it relies more on fundamental analysis and input from interactions with company management.</div>
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How about the impact for the financial planning sector?</div>
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Obviously, some financial planners will eventually be replaced by automated investment service. But those who handle high-end investors, which typically require a high degree of human touch, would be relatively safe ...</div>
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Continue on... <a href="http://www.ejinsight.com/20161024-who-will-win-in-the-fintech-era/" target="_blank"><span style="font-size: x-large;">ejinsight.com</span></a></div>
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Unknownnoreply@blogger.com3tag:blogger.com,1999:blog-8956763510382079368.post-20593640943097309492016-10-24T20:26:00.002+01:002016-10-24T20:26:35.603+01:00Bank of the Future May Be Invisible<div dir="ltr" style="text-align: left;" trbidi="on">
With more advancement in <a href="http://smartfinanceng.blogspot.com/2016/09/financial-technology-fintechs-companies.html"><b>financial technology</b>,</a> the <a href="http://smartfinanceng.blogspot.com/2016/10/digital-finance-can-make-your-life.html"><b>digital technologies</b></a> and advanced analytics have the potential to create the Invisible Bank of the future. Powered by artificial intelligence (AI) and activated by voice, virtual banking assistants can become an integral part of our daily lives.<br /><br /><div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjEYQMehWLKAQkLmoGDs4GI5hyphenhyphenMMAuy9yrXTPvBn7tsn5-cpO5SN0EqupjUQovf4r83W-ow70k8hGGPs_M52teRYUg9VgzFb19jwrxeaxr9CfbFp6tH6F3f9iheI-9niE2zB8ht7K4RJZE/s1600/Key_functions_of_the_invisible_bank-565x399.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="282" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjEYQMehWLKAQkLmoGDs4GI5hyphenhyphenMMAuy9yrXTPvBn7tsn5-cpO5SN0EqupjUQovf4r83W-ow70k8hGGPs_M52teRYUg9VgzFb19jwrxeaxr9CfbFp6tH6F3f9iheI-9niE2zB8ht7K4RJZE/s400/Key_functions_of_the_invisible_bank-565x399.png" width="400" /></a></div>
<a name='more'></a>Banking today is becoming less and less a place you go, and more something that is hidden from view behind digital banking and commerce apps. Once an account is opened at a bank or credit union, there is less need to stop into a branch, since functions like deposits, borrowing, payments and transfers can be done without personal interaction through online and mobile devices.<br /><br />According to a new report published by <b>KPMG</b>, “<a href="https://assets.kpmg.com/content/dam/kpmg/uk/pdf/2016/10/meet-eva-1.pdf">Meet Eva – Your Enlightened Virtual Assistant and the Future Face of the Invisible Bank</a>”, technologies like Apple’s Siri, Amazon’s Alexa or Samsung’s Viv will enable an even greater shift in banks and banking by 2030. Instead of being hidden within apps, banking will become completely invisible to consumers.<br />Fueled by improvements in advanced data analytics, artificial intelligence (AI), voice-controlled devices, application programming interface (API) and cloud technology, the Invisible Bank will be able to be integrated seamlessly within a consumer’s everyday life. Ultimately being available ‘beyond the device,’ these technologies will allow banking, commerce, daily intelligence and decision making to be available to consumers 24/7/365 as a virtual, e-personal digital concierge.<br /><br />Continue on... <a href="http://thefinancialbrand.com/61907/invisible-voice-analytics-digital-banking-future/" style="font-size: x-large;">The Financial Brand</a></div>
Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-8956763510382079368.post-45661399676609809652016-10-24T20:10:00.000+01:002016-10-24T20:10:36.779+01:00Fintech Development: Australia Partners with Kenya<div dir="ltr" style="text-align: left;" trbidi="on">
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Financial regulatory authorities from both jurisdictions have signed an agreement that will encourage the discussion of cross-border technology concerns.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg7UXi8Dg-EEjM7jlVA-CwauTiD6HN9R3Oys-UrDvWQPA6jhElgE1jidKd9g2xWFCi7hTaZvwzZ4o1qXzauS8xz_qhio4bIFF0z_c8izylkLif4X-YKNnzVRoe2GJ5xu0_D1W8BNjpDV08/s1600/flag+Australia.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" height="150" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEg7UXi8Dg-EEjM7jlVA-CwauTiD6HN9R3Oys-UrDvWQPA6jhElgE1jidKd9g2xWFCi7hTaZvwzZ4o1qXzauS8xz_qhio4bIFF0z_c8izylkLif4X-YKNnzVRoe2GJ5xu0_D1W8BNjpDV08/s320/flag+Australia.png" width="320" /></a></div>
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The Australian Securities and Investments Commission (ASIC) has signed a cooperation agreement with the Capital Markets Authority of Kenya (CMA) in a bid to boost financial services technology for both countries.</div>
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The agreement, signed in Hong Kong during a board meeting of the International Organization of Securities Commissions (IOSCO), establishes a framework for both parties that allows the sharing of information on their respective markets such as emerging trends as well as regulatory issues.</div>
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According to both parties, the partnership has been established as a result of the growing need to compare regulatory road blocks with other regions, with ASIC noting that innovation in the fintech space is not confined by national borders.</div>
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Continue on... <a href="http://www.zdnet.com/article/australia-partners-with-kenya-for-fintech-development/" target="_blank"><b><span style="font-size: large;">Zdnet.com</span></b></a></div>
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Unknownnoreply@blogger.com2tag:blogger.com,1999:blog-8956763510382079368.post-24022022423822114342016-10-24T19:54:00.001+01:002016-10-24T19:58:58.096+01:00Cellulant was a Winner at the 2016 African FinTech 100 Awards<div dir="ltr" style="text-align: left;" trbidi="on">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjBp2y3hy0L-JJw4Hk7gyAXsUnk7mel3Uo_gw5AlfK4n9gKIsmSYe8VL3zWPX4F9MF7gLj_wU5x7kVxI444VdOmsusflDWyGeyQqQN5ZXAU5r1ZJQfkkPQ5IeU4FTW1tqEdaP-1b8_F0d0/s1600/ken+njoroge.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em; text-align: justify;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjBp2y3hy0L-JJw4Hk7gyAXsUnk7mel3Uo_gw5AlfK4n9gKIsmSYe8VL3zWPX4F9MF7gLj_wU5x7kVxI444VdOmsusflDWyGeyQqQN5ZXAU5r1ZJQfkkPQ5IeU4FTW1tqEdaP-1b8_F0d0/s320/ken+njoroge.jpg" width="320" /></a><span style="background-color: white; color: #333333; font-family: "trebuchet ms" , "helvetica" , sans-serif;"></span><br />
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<span style="background-color: white; color: #333333; font-family: "trebuchet ms" , "helvetica" , sans-serif;"><span style="font-size: 14.4px;"><span style="background-color: white; font-size: 14.4px;">The African Fintech Award event provides entrepreneurs, bankers, investors and advisors with an opportunity to seek solutions and opportunities </span></span></span>offered<span style="background-color: white; color: #333333; font-family: "trebuchet ms" , "helvetica" , sans-serif;"><span style="font-size: 14.4px;"><span style="background-color: white; font-size: 14.4px;"> by </span></span><a href="http://smartfinanceng.blogspot.com/2016/09/financial-technology-fintechs-companies.html" style="background-color: white;"><span style="font-size: large;">fintech</span></a><span style="background-color: white; font-size: 14.4px;"> startups.</span></span></div>
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<span style="background-color: white; color: #333333; font-family: "trebuchet ms" , "helvetica" , sans-serif; font-size: 14.4px;">Kenya’s financial technology provider </span><span style="background-color: white; color: #333333; font-family: "trebuchet ms" , "helvetica" , sans-serif;"><span style="font-size: large;">Cellulant</span></span><span style="background-color: white; color: #333333; font-family: "trebuchet ms" , "helvetica" , sans-serif; font-size: 14.4px;"> was declared the winner of the <b>Payments and Transfers</b> segment of the 2016 African FinTech 100 awards held in Johannesburg, South Africa last Thursday.</span></div>
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Cellulant, whose fintech innovations are used by numerous banks and governments across nine countries in Africa, beat 93 fintech companies among them ATMs’ provider Interswitch and M-Pesa to clinch the trophy.</div>
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<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; margin-left: 1em; text-align: right;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgx5BEBhLORMotK4ZaHG8yxh7VRXFpNPp4GHKXt5JszxPIwQeyMXu_Pe9jsmoaOHAY7q_E2HBiwya3FjMjOEn1r-iEH3Wo-WhaMdP6s8u-F_-RRCOj3cL2s-yg867BYpJqEwSWhHc_H5U4/s1600/Ken+and+Bolaji.jpg" imageanchor="1" style="clear: right; margin-bottom: 1em; margin-left: auto; margin-right: auto; text-align: justify;"><img border="0" height="213" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgx5BEBhLORMotK4ZaHG8yxh7VRXFpNPp4GHKXt5JszxPIwQeyMXu_Pe9jsmoaOHAY7q_E2HBiwya3FjMjOEn1r-iEH3Wo-WhaMdP6s8u-F_-RRCOj3cL2s-yg867BYpJqEwSWhHc_H5U4/s320/Ken+and+Bolaji.jpg" width="320" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><span style="background-color: #f3f5f6; color: #212124; font-family: "proxima nova" , "helvetica neue" , "helvetica" , "arial" , sans-serif; font-size: 16px; font-weight: 600;">Ken Njoroge and Bolaji Akinboro at SoFI2015</span></td></tr>
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<span style="font-size: 14.4px;">Speaking after he returned home from South Africa, Cellulant’s founder and chief executive </span><span style="font-size: medium;"><b>Ken Njoroge</b></span><span style="font-size: 14.4px;"> described the award as candid proof that local fintech solutions have helped improve lives in Africa.</span></div>
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<span style="font-size: 14.4px;">“Our team’s tireless input has created and sustained value for our customers in the banking sector, </span><a href="http://smartfinanceng.blogspot.com.ng/2016/10/mobile-banking-vs-mobile-money-vs.html"><b>mobile money</b></a><span style="font-size: 14.4px;"> operators, merchants and retailers,” he said.</span></div>
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<span style="font-size: 14.4px;">Other winners in the category were independent ATMs’ provider </span><a href="http://smartfinanceng.blogspot.com/2016/09/interswitch-group-africa.html"><span style="font-size: medium;"><b>Interswitch</b></span></a><span style="font-size: 14.4px;"> and South Africa’s </span><span style="font-size: medium;"><b>VoguePay</b></span><span style="font-size: 14.4px;">. Ken Njoroge and Nigerian Bolaji Akinboro founded Cellulant in 2004 and have seen it grow to become a continental company with offices in Kenya, Nigeria, Tanzania, Malawi, Uganda, Zambia, Ghana, Zimbabwe, Botswana and Mozambique.</span></div>
</div>
<div style="line-height: 1.5em; margin-bottom: 20px; padding: 0px;">
<div style="text-align: justify;">
<span style="font-size: 14.4px;">Continue on...</span><a href="http://www.businessdailyafrica.com/Cellulant-shines-at-African-financial-technology-awards/1248928-3427032-14wve5oz/" target="_blank"><span style="font-size: large;"><b>Business Daily Africa</b></span></a></div>
</div>
</div>
</div>
Unknownnoreply@blogger.com11tag:blogger.com,1999:blog-8956763510382079368.post-66920967446807772702016-10-23T15:19:00.000+01:002016-10-24T02:39:38.532+01:00If You Are Really Scared About MMM<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="text-align: justify;">
<br />
I promised Smart Finance Moves on this blog right? I have made myself an "experimental lab rat" in order to get give you a feedback on how it works and in this article are my findings.<br />
<br />
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjyjwOzBn2Jc4QWxNRYX-FDQMr9c0MdLWOC9BsC5FcKAygJgpEoKaGavDoAzgkaNWvR2bHmFXnyPjA4T3J_qNIB1H7BPTMNrvhbqXbsTvSuwz-HdsPTDJP6SdP-80MK8M_rQCWw1fl7gzQ/s1600/mmmcov.jpg" imageanchor="1"><img border="0" height="360" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjyjwOzBn2Jc4QWxNRYX-FDQMr9c0MdLWOC9BsC5FcKAygJgpEoKaGavDoAzgkaNWvR2bHmFXnyPjA4T3J_qNIB1H7BPTMNrvhbqXbsTvSuwz-HdsPTDJP6SdP-80MK8M_rQCWw1fl7gzQ/s640/mmmcov.jpg" width="640" /></a></div>
<div style="text-align: justify;">
<br />
If you are one of the chronic doubter of the platform just like myself before, this piece shows you what you can do to test the water, raise your confidence and make money from it <b style="font-size: xx-large;">safely</b><br />
<a name='more'></a> within 3 weeks. Even though it is not as bad as people have being painting it in the news. Believe me, people are making more and more money from it daily, weekly and monthly. I made some last week and another one is on the way this very week.</div>
<div style="text-align: justify;">
<br />
<hr />
<ul>
<li><a href="http://smartfinanceng.blogspot.com/2016/10/i-you-are-really-scared-about-mmm.html#works">Here's How It Works</a></li>
<li><a href="http://smartfinanceng.blogspot.com/2016/10/i-you-are-really-scared-about-mmm.html#trdwk">By the 3rd week</a></li>
<li><a href="http://smartfinanceng.blogspot.com/2016/10/i-you-are-really-scared-about-mmm.html#fun">Let's Have Fun and Do Something Now</a></li>
<li><a href="http://smartfinanceng.blogspot.com/2016/10/i-you-are-really-scared-about-mmm.html#busy">Busy, Want an Agent or Need Help?</a></li>
<li><a href="http://smartfinanceng.blogspot.com/2016/10/i-you-are-really-scared-about-mmm.html#disc">Disclaimer</a></li>
</ul>
</div>
<hr />
<div style="text-align: justify;">
<br />
This is my opinion of the scheme before now and it has not changed, the scheme might not be sustainable over time but they have being in existence since January 2016 in Nigeria. Life is all about risk, this case is a calculated risk which in my opinion will be worth it. Just don't get too greedy. Having said that, their mode of operation is "transparent" and "maybe" relatively safe (even more for the non-greedy), especially for people like us who are quite skeptical of it. </div>
<div style="text-align: justify;">
If you are going to <span style="font-size: x-large;"><b><a href="http://tinyurl.com/jguvc4b" rel="nofollow" target="_blank">join</a></b></span> make sure you use your spare money, really no one knows if the predicted crash is coming anytime soon or not, but the system is just fine at the moment. Helpers and the helped are not feeling any friction.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: center;">
<span style="font-size: large;">You can make <b>N10,000 - 12,000</b> with your money spending <b><span style="color: #274e13;">just 2-</span></b></span><span style="font-size: large;"><b><span style="color: #274e13;">3 days</span></b></span><span style="font-size: large;"><b> in the system<span style="color: red;"> not 30 days</span></b>. My smart move can help minimize your risk the more.</span></div>
<div style="text-align: justify;">
<br /></div>
<hr />
<div style="text-align: justify;">
<h4 style="text-align: center;">
<span style="font-size: large;"><a href="http://smartfinanceng.blogspot.co.uk/2016/10/i-you-are-really-scared-about-mmm.html#works" name="works">Here's How It Works:</a></span></h4>
</div>
<div style="text-align: justify;">
</div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhOwcLaLiNSQoNhKZfqwENOQsHM56a5cB1w2JMeqAGXjGptWCm9yvTPGn8TF_bAsHesdWd35W3NJnXfEet6hyphenhyphen_jCngw4zNp6rsuMNUNZrBo8m_657a683DzV34tsE-AQUEmc515qWGFv7E/s1600/My+Activity2.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="359" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEhOwcLaLiNSQoNhKZfqwENOQsHM56a5cB1w2JMeqAGXjGptWCm9yvTPGn8TF_bAsHesdWd35W3NJnXfEet6hyphenhyphen_jCngw4zNp6rsuMNUNZrBo8m_657a683DzV34tsE-AQUEmc515qWGFv7E/s1600/My+Activity2.jpg" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">My Experiment with MMM, I dropped money in on 22nd day when matched with other members (18,000NGN + 2,000NGN). I also requested for a 1,000NGN which was paid in within 24 hours.</td></tr>
</tbody></table>
<ul style="text-align: left;">
<li style="text-align: justify;"><b>NGN</b> = Nigerian Naira.</li>
<li style="text-align: justify;">If you <a href="http://tinyurl.com/jguvc4b" rel="nofollow" target="_blank"><span style="font-size: large;">register today</span></a> and offered to "provide help" (PH) of Twenty thousand naira,(N20,000.00), minimum amount that triggers <b><span style="color: #38761d;">$20 bonus</span></b> for new members. N5000 is the minimum but interest will be N1500 after 30 days.</li>
<li style="text-align: justify;">Interest is 1% daily, not just 30% like that. So if you wish to withdraw your money after 20 days then you will have 20% (provided your account has been updated, usually by 12:00am on Tuesdays and Thursdays).</li>
<li style="text-align: justify;">You do not put your money in for 30 days, <b><span style="font-size: large;">No! </span></b></li>
<li style="text-align: justify;">Mind you, your account will be <b><span style="color: red; font-size: large;">frozen</span></b> (in red but will be increasing) until you PH.</li>
<li style="text-align: justify;">You only put money in on the day you are matched with a member to PH to (i.e a member to send money to), assuming 25th day. This means for the 25 days your account would have yielded 25% interest even without having your money in yet. </li>
<li style="text-align: justify;">However, the day someone gets matched with you to PH to, you must deposit into the member's account within <b>48 hours</b> otherwise your account gets cancelled (for life).</li>
<li style="text-align: justify;">When the member you deposited into his/her account confirms it (usually same day) your own account becomes <span style="color: #38761d; font-size: large;"><b>unfrozen</b></span> (green, will still be increasing) and you can opt to withdraw the same day your deposit gets confirmed.</li>
<li style="text-align: justify;">You can request for help immediately (if you don't trust the system yet) or wait for the account to reach full potential (30 days) or get updated by 12:00am the next Tuesday/Thursday and proceed to withdraw.</li>
<li style="text-align: justify;">Within 48 hours your money is back with you together with the interest.</li>
<li style="text-align: justify;">You are forced to withdraw all of your money in not more than 35 days of the whole process.</li>
<li style="text-align: justify;">The whole saga means your actual money will <span style="color: #20124d;"><b>not spend up to 1 week in the system or just 3 days or less</b></span> if you wish so and wanted to be really Smart about it.</li>
</ul>
<div style="text-align: justify;">
<br /></div>
<hr />
<h4 style="text-align: center;">
<span style="font-size: large;">
<a href="http://smartfinanceng.blogspot.co.uk/2016/10/i-you-are-really-scared-about-mmm.html#fun" name="fun">Let's Have Fun and Do Something Now</a></span></h4>
<div>
<ul style="text-align: left;">
<li style="text-align: justify;">If you do not have an account with them already, <a href="http://tinyurl.com/jguvc4b" rel="nofollow" target="_blank"><span style="font-size: large;">REGISTER HERE</span></a>, remember it doesn't cost you anything. </li>
<li style="text-align: justify;">You can call on me to help you set it up, for free.</li>
<li style="text-align: justify;">This actually is for fun but you will see your account grow until you are required to PH (probably 2-3 weeks from now), by then you can decide to decline but your account will be deleted. If you want to try it, just have your money available.</li>
<li style="text-align: justify;">If you decide to stay and PH, your account is unfrozen in few hours and you can demand your own PH immediately.</li>
<li style="text-align: justify;">In less than 48 hours, another member will deposit the amount in your bank account directly.</li>
</ul>
<div style="text-align: justify;">
After registration and successful login, click on "Provide Help" tab immediately and your account will start garnering interest.<br />
<br /></div>
<hr />
<div style="text-align: justify;">
<h4 style="text-align: center;">
<span style="font-size: large;"><a href="http://smartfinanceng.blogspot.co.uk/2016/10/i-you-are-really-scared-about-mmm.html#trdwk" name="trdwk">By the 3rd week:</a></span></h4>
</div>
<div style="text-align: justify;">
From my experiment, experience and interrogation of other members, you are not requested to help until the third (3rd) week. By the 3rd week:</div>
<div style="text-align: center;">
<ul>
<li style="text-align: justify;"><b><span style="color: #274e13;">For New member</span></b>s: N20,000 would have gained $20 (~N6500 registration bonus) and yielded ~N4,000 of 1% interest daily = ~<b>N30,000</b> combined, this is the total amount you can withdraw at this piont. </li>
<li style="text-align: justify;"><b><span style="color: #274e13;">At full potential (30 days):</span></b> </li>
<ul>
<li style="text-align: justify;"><b><span style="color: #274e13;">New member</span></b>s: you can withdraw <b>N32,000</b> (N20,000 + $20 (bonus) + N6,000 (30% interest)). </li>
<li style="text-align: justify;"><b><span style="color: #274e13;">Old member</span></b>s: you can withdraw <b>N26,000</b> (N20,000 + N6,000 (30% interest)).</li>
</ul>
</ul>
</div>
<table align="center" cellpadding="0" cellspacing="0" class="tr-caption-container" style="margin-left: auto; margin-right: auto; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEheITT_zuxv8XA15dV3RPpMtaXLg9txE1GGSZwsNSw678bajDVVfoM0wmSNIdt1li7ZPVHnwf_ww9CFcwKwLnlBtkMUvpR8-We479rcSuWNKv0Lo1uU9xNFO31lt8_6ro9XdlFZPe5XfRc/s1600/Available.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="212" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEheITT_zuxv8XA15dV3RPpMtaXLg9txE1GGSZwsNSw678bajDVVfoM0wmSNIdt1li7ZPVHnwf_ww9CFcwKwLnlBtkMUvpR8-We479rcSuWNKv0Lo1uU9xNFO31lt8_6ro9XdlFZPe5XfRc/s640/Available.jpg" width="640" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;">The two green links = <b>30,710.25NGN </b>on conversion, a total of what I can withdraw after 3 weeks (right now) and I "provided help" of 20,000NGN about two days ago. I could have requested for help immediately but I will see out the 30 days by Thursday this week. <br />
Can you see that red ink under <span style="color: red;"><b>28 256 Mavro NGN</b></span>? That is another help (25,000NGN) I would be providing anytime soon. It is yielding interest already.</td></tr>
</tbody></table>
<br />
<hr />
<div style="text-align: justify;">
<h4 style="text-align: center;">
<span style="font-size: large;"><a href="http://smartfinanceng.blogspot.co.uk/2016/10/i-you-are-really-scared-about-mmm.html#busy" name="busy">Busy, Want an Agent or Need Help?</a></span></h4>
If you need help during registration, call my attention in the comment section below, I will be glad to help. Also, if you are a busy person I can help you manage your account, just at a token. My line is <a href="tel:+2347033620909" title="Call Tony"><b>+2347033620909</b></a>.</div>
<div>
<ul style="text-align: left;">
<li style="text-align: justify;">Starting from registration, </li>
<li style="text-align: justify;">Monitoring of PH status, </li>
<li style="text-align: justify;">Alert you when you need to PH</li>
<li style="text-align: justify;">Update you on current happenings eg when your account gets unfrozen; </li>
<li style="text-align: justify;">Then alert you when to withdraw.</li>
<li style="text-align: justify;">All within the 30-35 days period.</li>
</ul>
<div style="text-align: justify;">
I can be your trusted agent who checks and guide you on as well as fast track your online money making activities.</div>
</div>
</div>
<h4 style="text-align: center;">
<span style="color: red; font-size: large;"><a href="http://smartfinanceng.blogspot.co.uk/2016/10/i-you-are-really-scared-about-mmm.html#disc" name="disc">Disclaimer</a></span></h4>
<div style="text-align: center;">
<span style="color: red;">MMM is not my company and I cannot assay for them. </span></div>
<div style="text-align: center;">
<span style="color: red;">Everything here is my experience and opinion, not a validation of whatever service the platform renders. </span><span style="color: red;">Therefore, use MMM's platform is at your sole discretion, </span></div>
<div style="text-align: center;">
<span style="color: red;">I indemnify myself of whatever activity you may engage yourself in on the platform.</span></div>
<div style="text-align: justify;">
<br /></div>
</div>
Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-8956763510382079368.post-4006299463486549182016-10-21T15:11:00.000+01:002016-10-24T08:53:28.278+01:00Mobile Banking vs Mobile Money vs Mobile Wallet<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgVoQZGlc5DD_dkJTCQ1Ub7LL-b5qFTe8irKkITDSBC3xWezpGkSF2ClSVslbS5M3ow35mQCIF88E0ORpPdCLP-PDHe2xKut60Yb9kHiZLHs1p34eHkEBK0OhOv2dy1J5ynqDsNmK7X56U/s1600/Mobile-Banking-App-Solutions.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgVoQZGlc5DD_dkJTCQ1Ub7LL-b5qFTe8irKkITDSBC3xWezpGkSF2ClSVslbS5M3ow35mQCIF88E0ORpPdCLP-PDHe2xKut60Yb9kHiZLHs1p34eHkEBK0OhOv2dy1J5ynqDsNmK7X56U/s400/Mobile-Banking-App-Solutions.jpg" style="cursor: move;" width="338" /></a>These three concepts are interrelated due to the niche where they operate, the <span style="font-size: large;"><a href="http://smartfinanceng.blogspot.com/2016/09/financial-technology-fintechs-companies.html">fintech</a></span> world. They are not the same thing but many financial institutions name their apps randomly making each platform appear sometimes confusing. The names however have a ring to them that speaks volume of the concept of being "mobile", <span style="font-size: large;">on the go</span>. That exactly is what they all have to offer, automating banking and financial transactions on mobile devices. This give users more mobility and flexibility of doing business transactions and other activities at any time and anywhere. Financial activities have grown beyond the traditional banking sector.<br />
<br /></div>
<div style="text-align: justify;">
On many occasions have mobile money apps being denoted as mobile wallets. The understanding of these different fintech platforms seems to elude people and organizations who have found it hard to give any clear definition to their apps. The <br />
<a name='more'></a>submission here is my explanation (with examples) after sampling, researching and making meaning of the available platforms that offer (or claims to) the different services. There is a clear and sometimes loose distinctions about their modus operandi.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<b><span style="font-size: x-large;"><a href="http://smartfinanceng.blogspot.com/2016/10/mobile-banking-in-nigeria.html">Mobile Banking</a></span></b>:<br />
As the name suggests, this is <span style="font-size: large;">banking</span> activities done with a mobile device. With mobile banking you are able to use your mobile phone to connect with your bank accounts and manage financial transactions using those accounts. What do you do at a bank? Probably ...<br />
<ul>
<li><b>Register</b> for a new bank account; Request for your <b>account balance</b>; <b>Make withdrawal</b>s over the counter; Make <b>deposits over the counter</b>Request for your <b>account history </b>and lots more. </li>
</ul>
The service would vary depending on what kind of account you have - savings, current, loan, credit etc. These are activities that mobile banking apps render to people out-of-the-box. No need to get into a bank to do all that anymore. Do-It-Yourself (DIY) wherever you are is the trend, yeah, the new cool!<br />
Banking apps require internet-enabled phones in order to access the goodies. However, <span style="font-size: large;"><a href="http://smartfinanceng.blogspot.com/2016/10/ussd-mobile-banking-in-nigeria.html">USSD banking</a></span> is a fabulous alternative to just that, <i>no be everyone dey use smart phone in fact my own phone no smart</i>. For wholesome financial inclusion, USSD is available anywhere, anytime so far there is mobile network coverage on your basic phone.<br />
<br /></div>
<div style="text-align: justify;">
<b>Aim of mobile banking </b>is to decongest the banking halls by reducing frequency of customers since they can handle many of their banking activities by self. </div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Ex mBanking Platforms/Apps: most <b>Bank apps</b>.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<div style="text-align: justify;">
<b><span style="font-size: x-large;">Mobile Money</span></b>: </div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjvSyIRSWmqNyPrt9-tl6KsQQtfDsupT0_7OU87WvPDGjgIfOUk4laXgEasga14UxnxiNrqJo-XjU8vq5yLrTEk2jQjGrc3LeDImXfkTKMsf5Zm6LNOURRbSAQTLnTAUGR9fqLbQipwDQs/s1600/13.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="253" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjvSyIRSWmqNyPrt9-tl6KsQQtfDsupT0_7OU87WvPDGjgIfOUk4laXgEasga14UxnxiNrqJo-XjU8vq5yLrTEk2jQjGrc3LeDImXfkTKMsf5Zm6LNOURRbSAQTLnTAUGR9fqLbQipwDQs/s320/13.jpg" width="320" /></a></div>
<div style="text-align: justify;">
This is your virtual money using a mobile device, it converts cash directly into digital money. On the contrary, you can own a mobile money account without a bank account. For example, opening a mobile money account with MTN or eTranzact's PocketMoni is with a mobile money enabled SIM or your phone number respectively. </div>
<div style="text-align: justify;">
Mobile Money is typically used for mobile based accounts offered primarily to the underbanked and unbanked. It draws basically from deployments where mobile network operators have offered accounts to their subscribers. </div>
<div style="text-align: justify;">
You may need to walk into a bank to fund your mobile money account but it is never necessary as different means of depositing abound.<span style="color: red;"> </span>The fund in your mobile money account can be used to shop anywhere your platform is recognized and accepted.</div>
<div style="text-align: justify;">
<br /></div>
</div>
<div style="text-align: justify;">
Aim is to reduce the level of cash handling, this leads to relative security in finance and at the same time improves flexibilty and options available for the modern-era business transactions. more importantly, the unbanked populace.<br />
<br /></div>
<span style="text-align: justify;">Ex mMoney Platforms/Apps: <a href="http://smartfinanceng.blogspot.com/2016/10/pocketmoni-from-etranzact-mobile-banking.html"><b>PocketMoni</b></a>, <a href="http://smartfinanceng.blogspot.com/2016/09/interswitch-quickteller.html"><b>Quickteller</b></a>, <b>U-Mo</b></span><br />
<div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<span style="font-size: x-large;"><b>Mobile Wallet</b></span>:<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjcwMq9AahZqGn9EYXJjfeOgUUTnAzM9BNr0J4yLTwgtQTjEWb5cOf9RWeAGifeUCOS72Ab__q_n-7-woPc5dN6pSOPKbW-qr1Pbh8lxdoVY_yhyA8kg_VDBagbgKy1RBCJiNZPv3lX9YI/s1600/OPreg.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="253" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjcwMq9AahZqGn9EYXJjfeOgUUTnAzM9BNr0J4yLTwgtQTjEWb5cOf9RWeAGifeUCOS72Ab__q_n-7-woPc5dN6pSOPKbW-qr1Pbh8lxdoVY_yhyA8kg_VDBagbgKy1RBCJiNZPv3lX9YI/s320/OPreg.jpg" width="320" /></a></div>
You can as well infer what this platform stands for from the name "Wallet". What do you do with your physical wallet? Probably you use it to hold some flat and presumably light materials such as a <span style="font-size: large;">wad of cash</span>, complimentary cards and of course <span style="font-size: large;">Credit/Debit cards</span> etc. Mobile wallet is an electronic wallet (a mobile app) designed for use on mobile phones.<br />
<br />
<br />
<ul>
<li>Firstly, this term is used in some instances where financial companies, banks and others give customers platform to have a mobile money account. Since money is kept in this account just like a physical wallet, they are thus referred to an mobile wallet as well. In this situation not a holding different cards but fund, remember your physical wallet can still hold wad of cash.</li>
<li>Another explanation for mobile wallet is given in this scenario, using myself as an example. Within my leather wallet resides Debit/ATM cards and I carry the wallet along with me all the time. I may decide to use GTBank card for this transaction or First bank card for the other. With the disruption ongoing in the financial sector, I do not have to carry cards about, <b><i>Meaning? </i></b>All my <span style="font-size: large;">card details</span> can be stored electronically in an e-wallet since I also go along with the <span style="font-size: large;">phone</span> with me everywhere. <i>This allows my physical card to at least rest, abi? </i>and free up space for other what-nots in my physical wallet. The most interesting part is I can decide to use whichever one suites my purpose from the mobile wallet directly by a mere click to pay for any service on the spot.</li>
</ul>
Generally, mobile wallets can be used on a website, with NFC (Near Field Communications) payment techs or depending on the architecture at bookstores, malls, cinemas, etc without fumbling to remember as many PINs as possible. You may use a general and well secured PIN to access you cards from your e-wallet, this time it is no more your posh leather wallet. It makes you work, walk and transact smartly and confidently like the cool person that you are.<br />
<br />
<div>
<span style="font-weight: normal;">Examples are: </span> Google Wallet app, eTranzact WebAccess, PocketMoni, InterSwitch Connect.</div>
<div>
<br /></div>
<div>
<h4>
<span style="font-size: x-large; font-weight: normal;">How they are Inter-related</span></h4>
</div>
<div>
<ul>
<li>A mobile bank and mobile money user can still use a mobile wallet ( and if issued a card).</li>
<li>A mobile wallet user must have at least either of a bank account or a mobile money account.</li>
<li>A mobile money user doesn't need a bank account before saving money with the operators.</li>
<li>A mobile money user can fund his/her account using a mobile banking platform and vice versa.</li>
<li>Mobile banking is banking activities-centric while Mobile Money is payment-centric.</li>
<li>Mobile Money is typically used for mobile based accounts offered primarily to the underbanked and unbanked.</li>
<li>Mobile Wallet could be an electronic wallet where you:</li>
<ul>
<li>Keep your money for further transactions, or </li>
<li>Store your different credit or debit card details for easy retrieval during transactions</li>
</ul>
<li>Mobile banking is primarily aimed at creating a D-I-Y service to customers which in turn automate jobs and reduce work off banking officials. </li>
</ul>
</div>
<div>
<span style="font-weight: normal;"><br /></span></div>
<div>
<span style="font-weight: normal;">Financial activities are beyond the traditional banking sector in this century, even now that more competitive and better financial technological solutions are flooding the market. Banks are not getting left behind so the need for adaptation, adoption and aggressive creation of fintech services such as online loans, banking apps, <a href="http://smartfinanceng.blogspot.com/2016/10/ussd-mobile-banking-in-nigeria.html">USSD Banking</a> etc.</span></div>
<div>
<span style="font-weight: normal;"><br /></span></div>
<div>
<span style="font-weight: normal;"><br /></span></div>
<div>
<span style="font-weight: normal;"><br /></span></div>
</div>
</div>
</div>
Unknownnoreply@blogger.com3tag:blogger.com,1999:blog-8956763510382079368.post-24494626738688702652016-10-16T12:20:00.000+01:002016-10-16T13:42:54.891+01:00PocketMoni: Funding Your Account<div dir="ltr" style="text-align: left;" trbidi="on">
<h3 style="text-align: justify;">
Funding your PocketMoni Account</h3>
<div>
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjfYEwGaTCCOaKFG_PBmafCJ7VYbqbBllvdbtqP_uufiDL3qEPKlk6fBuAPz9wAmAA9OrPqBQVnvaZ04xv6zxrxiKxe9nUASVo4SuYUThbbqSQHpMYcyx47oc1SLtQA7FBRUYfC6sxYCqA/s1600/pocketMoni-logo.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjfYEwGaTCCOaKFG_PBmafCJ7VYbqbBllvdbtqP_uufiDL3qEPKlk6fBuAPz9wAmAA9OrPqBQVnvaZ04xv6zxrxiKxe9nUASVo4SuYUThbbqSQHpMYcyx47oc1SLtQA7FBRUYfC6sxYCqA/s1600/pocketMoni-logo.png" /></a></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
We discussed about PocketMoni, a product of <a href="http://smartfinanceng.blogspot.com/2016/09/know-about-etranzact.html" target="">eTranzact</a>, how to get yourself registered on the platform and as well get the <a href="https://play.google.com/store/apps/details?id=com.pocketmoni.ui" target="_blank">app downloaded</a> in this <span style="font-size: large;"><a href="http://smartfinanceng.blogspot.com.ng/2016/10/pocketmoni-from-etranzact-mobile-banking.html">post</a></span>. The aim of this post is to show the options available to you for funding in order to be able to use it for your payments and other transactions.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Below is a list and processes for transferring funds into your pocketMoni account for later use during </div>
<a name='more'></a>transactions.<br />
<h4 style="text-align: justify;">
1. Debit Card (Online)</h4>
<div style="text-align: justify;">
ATM/Debit Card on the Internet (Mastercard only)</div>
<ul>
<li style="text-align: justify;">Visit this <a href="https://www.etranzact.net/WebConnectPlus/fundPockMoni.etz" target="_blank"><b>link</b></a> (MasterCard SecureCode and Bank Token may be <span style="color: red;">required</span>) </li>
<li style="text-align: justify;">Select the card type (“Mastercard”)</li>
<li style="text-align: justify;">Enter your PocketMoni account (same as mobile number)</li>
<li style="text-align: justify;">Select “PocketMoni” as the operator</li>
<li style="text-align: justify;">Enter your PocketMoni PIN (using the PIN pad) and the amount</li>
<li style="text-align: justify;">Click “Submit” </li>
</ul>
<div style="text-align: justify;">
Funds are available immediately!</div>
</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
<a href="http://go.ad2upapp.com/afu.php?id=827737" target="_blank">See Also</a></div>
<h4 style="text-align: justify;">
2. Funds Transfer</h4>
<div style="text-align: justify;">
Deposit the amount into eTranzact bank account below. Once payment is confirmed payment, your wallet will be loaded and you can access the money within 24 hours.</div>
<ul>
<li style="text-align: justify;"><b>Account Name:</b> eTranzact PM Funding</li>
<li style="text-align: justify;"><b>Account #:</b> 0565107140 </li>
<li style="text-align: justify;"><b>Bank:</b> FCMB (First City Monument Bank) </li>
<li style="text-align: justify;">Enter your PocketMoni mobile number as the description</li>
</ul>
<h4 style="text-align: justify;">
3. Banks (Walk To Bank)</h4>
<ul>
<li style="text-align: justify;">Walk into any bank branch of UBA, Zenith, Union,FCMB or Access</li>
<li style="text-align: justify;">Request to make a transaction via the eTranzact platform.</li>
<li style="text-align: justify;">Fill out a deposit slip.</li>
<ul>
<li style="text-align: justify;"><b>Account Name</b>: eTranzact PocketMoni.</li>
<li style="text-align: justify;">Include Your mobile number and Name.</li>
<li style="text-align: justify;">Amount of money to load.</li>
</ul>
<li style="text-align: justify;">Teller processes loading transaction and generates a deposit slip.</li>
</ul>
<div style="text-align: justify;">
Funds are available immediately!</div>
<h4 style="text-align: justify;">
4. Agents (Walk to an agent)</h4>
<div>
<ul>
<li style="text-align: justify;">Use this link to <span style="font-size: x-large;"><a href="http://getpocketmoni.com/find-a-place-to-load-pocketmoni/" target="_blank">locate</a></span> the [[PocketMoni Agent]] nearest to your location.</li>
</ul>
</div>
</div>
Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-8956763510382079368.post-75136053991251528202016-10-16T12:15:00.000+01:002016-10-16T13:44:11.811+01:00PocketMoni from eTranzact : Mobile Banking<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="text-align: justify;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjRHd1zueQ77PDsvK22_OfNbUQydIZFj_iNCeQ4tijXDUH0ZsswwMVZZLTW8jmoFz6rJGUjaymn-qssEvutQ2hDwRP2bbiIZAcDIUYSlnojRumQpt8Fl5iJN1lfWmUg2WpwgvBlv9Hasys/s1600/pocketMoni+-+Animated-GIF.gif" imageanchor="1" style="clear: left; float: left; margin-bottom: 1em; margin-right: 1em; text-align: justify;"><img border="0" height="400" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEjRHd1zueQ77PDsvK22_OfNbUQydIZFj_iNCeQ4tijXDUH0ZsswwMVZZLTW8jmoFz6rJGUjaymn-qssEvutQ2hDwRP2bbiIZAcDIUYSlnojRumQpt8Fl5iJN1lfWmUg2WpwgvBlv9Hasys/s400/pocketMoni+-+Animated-GIF.gif" style="cursor: move;" width="206" /></a><a href="http://smartfinanceng.blogspot.com/2016/09/know-about-etranzact.html">eTranzact</a> is in the league of <a href="http://smartfinanceng.blogspot.com/2016/09/interswitch-group-africa.html">Interswitch Group</a> in the world of financial services handling across Africa and the rest of the world. Of course these two <a href="http://smartfinanceng.blogspot.com/2016/09/financial-technology-fintechs-companies.html">fintech</a> giants started operation in Nigeria in the early 2000s, both coys have come a long way and are still waxing stronger. PocketMoni, from the stable of eTranzact is a worthy competitor with <a href="http://smartfinanceng.blogspot.com/2016/09/how-to-become-interswitch-paypoint-agent.html">Interswitch's Quickteller</a>. Competition is good in any clime, <i>Abi una no remember the tale of Messi and C.Ronaldo? </i>Not actually a tale, we are still in their era but that exactly is what competition can do to anything -Vying to be the best. In our own respect, consumers of fintech services are reaping the prospect in Nigeria and Africa as a whole.</div>
<div style="text-align: justify;">
<br /></div>
<div>
<div style="text-align: justify;">
PocketMoni is a mobile payment solution designed to allow users conduct financial transactions anytime, anywhere, from a phone. <br />
<a name='more'></a>As with many other mobile banking platforms or apps, with PocketMoni, your phone is your bank <span style="font-size: large;">but</span> your <span style="font-size: large;">mobile phone number </span>becomes <span style="font-size: large;">your account</span>. Isn't that cool? Really, you do not need a bank account to save your money in this way...this is [[<b><u>Mobile Money</u></b>]], a topic for another post.</div>
<div style="text-align: justify;">
<br /></div>
<div style="text-align: justify;">
Its services are secure, cost effective, convenient and available for everyone. It is easy and secure way to send and receive money on-the-go.</div>
<h3 style="text-align: justify;">
What you can do with PocketMoni</h3>
<h4 style="text-align: justify;">
Immediate Airtime Top-up</h4>
<ul style="text-align: left;">
<li style="text-align: justify;">Topup your phone anytime, anywhere. We work with Airtel, Etisalat, Glo, MTN, Visafone</li>
</ul>
<div>
<h4 style="text-align: justify;">
Send and Receive Money</h4>
<ul style="text-align: left;">
<li style="text-align: justify;">Send money in seconds to any bank account in Nigeria</li>
<li style="text-align: justify;">Receive money transfers directly on your phone</li>
</ul>
<h4 style="text-align: justify;">
Pay Bills/Merchants</h4>
<ul style="text-align: left;">
<li style="text-align: justify;">Now from your mobile phone you can pay all bills and merchant</li>
</ul>
<h3 style="text-align: left;">
To Get Started</h3>
<h4 style="text-align: left;">
Register:</h4>
<ul style="text-align: left;">
<li> For your security, you are required to register with your personal mobile phone number by dialling...<b style="color: #660000; font-size: xx-large; text-align: center;">*389#</b><span style="text-align: center;">. This is a <a href="http://smartfinanceng.blogspot.com/2016/10/ussd-mobile-banking-in-nigeria.html">USSD banking</a> concept, you should know about it now else see its usage by Nigerian banks in that link.</span></li>
<li>Enter Your name</li>
<li>Create a PIN</li>
<li>Download the app using this <span style="font-size: x-large;"><a href="https://play.google.com/store/apps/details?id=com.pocketmoni.ui">link</a></span> and log in.</li>
</ul>
<div>
After registration and download of the PockectMoni app, you will have access to the options available. You can see a demo of the app above.</div>
</div>
</div>
<h3 style="text-align: center;">
Check this out: <a href="http://smartfinanceng.blogspot.com/2016/10/pocketmoni-funding-your-account.html">Funding your PocketMoni Account</a></h3>
</div>
Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-8956763510382079368.post-36496242704951263482016-10-16T12:00:00.000+01:002016-10-16T12:24:20.090+01:00The Groom And The Rotund Bull: Part 2<div dir="ltr" style="text-align: left;" trbidi="on">
<h2 style="background-color: white; color: #b71518; font-family: Arial, Tahoma, Helvetica, FreeSans, sans-serif; font-size: 13px; font-stretch: normal; font-variant-caps: small-caps; font-variant-numeric: normal; line-height: normal; margin: 0.5em 0px -3px; position: relative; text-align: justify; text-transform: uppercase;">
</h2>
<div class="MsoNormal" style="text-align: justify;">
<br />
<div class="separator" style="clear: both; text-align: center;">
<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgCzbdUszxpVA0RgQcb2fk5RkEKmoEwSvaEn1HaOiiMJulWQoMBkaX85Qmckqutc6OkCjNLSUayXUuFvk1MqHKPIrJuPBCUuo3TrrOoskjMi5qJKv8256OD8QQstYemHiCgIc9X1hXIqpU/s1600/groom-images2.jpg" imageanchor="1" style="margin-left: 1em; margin-right: 1em;"><img border="0" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgCzbdUszxpVA0RgQcb2fk5RkEKmoEwSvaEn1HaOiiMJulWQoMBkaX85Qmckqutc6OkCjNLSUayXUuFvk1MqHKPIrJuPBCUuo3TrrOoskjMi5qJKv8256OD8QQstYemHiCgIc9X1hXIqpU/s1600/groom-images2.jpg" /></a></div>
<br />
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Graciously, the merchant agreed to sell. Tunde was very happy. Unfortunately,
enough cash to get this special specie was beyond reach at that moment. He cannot
accept to leave the vicinity without any of his selections, none would be
left behind. Problem is not about the price but the cash.<br />
The two drivers, Bayo,
Uche and two other hands from the ranch have started packing and tying the ones
already paid for into the lorry. The groom is down with the merchant brainstorming
how best to get cash across, then something clicked. <o:p></o:p><br />
<br />
<a name='more'></a><br /></div>
<div class="MsoNormal" style="text-align: justify;">
He asked the man, “<i>Aboki,
you no dey carry phone?</i>”<o:p></o:p><br />
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
The merchant answered “I get phone now”.<o:p></o:p><br />
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
“<i>Bank nko?</i>”<o:p></o:p><br />
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
“<i>I get <a href="http://smartfinanceng.blogspot.com/2016/10/exhaustive-list-of-commercial-banks-in.html">First Bank</a>
account</i>”.<o:p></o:p><br />
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
“<i>Oh, very good, I go
sama your phone with bank alert now now. Abi you know trust me to pay into your
bank account directly.</i>”<o:p></o:p><br />
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
The merchant is a smart one, he knows much about many
cashless transactions and he answered <o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
“<i>Customers dey pay me
with their phone well well, e dey work like airtime transfer. If you get money on top, I go accept.</i>”<o:p></o:p><br />
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Tunde was amazed. He thought these guys knew nothing about
technology. Unknown to him, there was one man named <a href="http://smartfinanceng.blogspot.com/2016/10/the-interview-part-1.html">Ope</a>, who has being
educating all business owners around the vicinity about the magic of <a href="http://smartfinanceng.blogspot.com/2016/10/mobile-banking-in-nigeria.html">mobile banking</a> and other <a href="http://smartfinanceng.blogspot.com/2016/09/financial-technology-fintechs-companies.html">fintech platforms</a>. The guy called himself <a href="https://www.blogger.com/profile/18149678076163986224">MobileBanking and FinTech Evangelist</a>. He gave them <a href="tel:+2347033620909">his line</a> for consultation
whenever issues pertaining to their finances, easy <a href="http://smartfinanceng.blogspot.com/2016/09/online-credit-solutions-in-nigeria.html">loan lending</a>, payment and other transactions
arise. Not only that but also promised enlightened them that business transactions can be done even in places with
no ATM, bank or internet services like his remote village. He assured them of the believe that businesses must always grow and run hitch-free, anywhere and anytime.<o:p></o:p><br />
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
Within minutes, the final transaction was concluded and the entourage were on their way back. Settling back into his car, “One bull and the rest”,
Tunde prided himself about the catch. His driver looked back at him from the driver's seat and commended "<i>good business, oga</i>" before starting the car and
concluded “<i>Madam will like that last one
o</i>, <i>chai!</i>” Tunde brimming with contentment patted the driver across the
shoulder and replied “Thank you, Nafir.” The driver
nodded.<br />
<br /></div>
<div class="MsoNormal" style="text-align: justify;">
<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
It was worth it.<o:p></o:p></div>
<br />
<div class="MsoNormal" style="text-align: justify;">
Tunde completed the transfer using <a href="http://smartfinanceng.blogspot.com/2016/09/know-about-etranzact.html">eTranzact</a> PocketMoni
payment platform into the Merchant’s First Bank account. Both parties got the
alert before parting ways. It really was a good business.<o:p></o:p></div>
<div class="MsoNormal" style="text-align: justify;">
<br /></div>
<h2 style="background-color: white; color: #b71518; font-family: arial, tahoma, helvetica, freesans, sans-serif; font-stretch: normal; line-height: normal; margin: 0.5em 0px -3px; position: relative; text-align: center; text-transform: uppercase;">
<span style="font-size: x-large;"><a href="http://smartfinanceng.blogspot.com/2016/10/the-groom-and-rotund-bull-part-1.html">« PART I </a></span></h2>
</div>
Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-8956763510382079368.post-78829270000355745212016-10-15T11:52:00.004+01:002016-10-20T06:16:08.125+01:00Online Credit Facilities in Nigeria: In Need of Funds Urgently?<div dir="ltr" style="text-align: left;" trbidi="on">
<div style="text-align: justify;">
<br /></div>
<table cellpadding="0" cellspacing="0" class="tr-caption-container" style="float: right; margin-left: 1em; text-align: center;"><tbody>
<tr><td style="text-align: center;"><a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiE4S-qyELjPsAC59QFHgtqSYbpkK3z-cCdmKp55p6rjBbi4bitIAqy_otlLNJ9yNR719cX-H_Ul5h9xFNkE4tGoLIGKHSxfHi1_7Su7eyZ83rV3CNGfBmdwrkbsFWAUjpYXjEQCz5urxk/s1600/loans-credit.jpg" imageanchor="1" style="margin-left: auto; margin-right: auto;"><img border="0" height="267" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiE4S-qyELjPsAC59QFHgtqSYbpkK3z-cCdmKp55p6rjBbi4bitIAqy_otlLNJ9yNR719cX-H_Ul5h9xFNkE4tGoLIGKHSxfHi1_7Su7eyZ83rV3CNGfBmdwrkbsFWAUjpYXjEQCz5urxk/s400/loans-credit.jpg" width="400" /></a></td></tr>
<tr><td class="tr-caption" style="text-align: center;"><i><a href="http://techcabal.com/wp-content/uploads/2015/09/loans-credit.jpg">Source</a></i></td></tr>
</tbody></table>
<div style="text-align: justify;">
<span style="font-family: "times new roman";">Ignorance will not be you excuse for financial handicap anymore after reading this piece. </span><br />
<span style="font-family: "times new roman";">Are you in any urgent need of money to: </span><span style="font-family: "times new roman";"><span style="color: red; font-size: medium;"><b>S</b></span></span><span style="font-family: "times new roman";">ustain till month end; </span><span style="font-family: "times new roman";"><span style="color: red; font-size: medium;"><b>C</b></span></span><span style="font-family: "times new roman";">omplete a project; </span><b style="font-family: "times new roman";">S</b><span style="font-family: "times new roman";">tart up as an entrepreneur; </span><span style="font-family: "times new roman";"><span style="color: red; font-size: medium;"><b>K</b></span></span><span style="font-family: "times new roman";">eep yourself out of a mess; </span><span style="font-family: "times new roman";"><span style="color: red; font-size: medium;"><b>H</b></span></span><span style="font-family: "times new roman";">ave a splendid weekend with that new hot babe (Isn't this a really bad decision, who cares?); or </span><i style="font-family: "times new roman";"><b>L</b></i><i style="font-family: "times new roman";">emme guess,</i><span style="font-family: "times new roman";"> You've <span style="color: red;"><i>butchered your school fees</i></span> and the school authority is breathing down your neck this exam period so there's urgent need to <span style="color: red; font-size: medium;"><b>p</b></span>ay your arrears, I can relate, calling home is a no-go area. </span></div>
<div style="-webkit-text-stroke-width: 0px; font-family: "Times New Roman"; font-variant-caps: normal; font-variant-ligatures: normal; letter-spacing: normal; orphans: 2; text-align: justify; text-indent: 0px; text-transform: none; white-space: normal; widows: 2; word-spacing: 0px;">
<div style="color: black; font-size: medium; font-style: normal; font-weight: normal;">
<div style="margin: 0px;">
<br /></div>
</div>
<div style="color: black;">
<div style="margin: 0px;">
Securing loan from banks and <br />
<a name='more'></a>conventional credit agencies can be an Herculean task or certainly unreachable for the unemployed in Africa, that is fast changing. With the crop of new and ambitious <span style="font-style: normal;"><a href="http://smartfinanceng.blogspot.com/2016/09/online-credit-solutions-in-nigeria.html"><span style="font-size: large;">online credit facilities</span></a></span> (money lending companies) available in Nigeria <br />
<div style="font-size: medium;">
at this time, securing fund has never been fun or easier. Traditional bank loans are getting a real kick in the a$$ by the online solutions. <i>Omo, technology ti take over</i>.</div>
</div>
</div>
<div style="color: black; font-size: medium; font-style: normal; font-weight: normal;">
<div style="margin: 0px;">
<br /></div>
</div>
<div style="text-align: justify;">
<div style="color: black; font-size: medium; font-style: normal; font-weight: normal; margin: 0px;">
You can secure loans of between ten thousand naira (N10,000) to more than one million naira (N1,000,000) from the different loan lending companies. Time to pay back, loan tenor, ranges between 1 month to as long as you choose to, you only have to be mindful of the interest rate. These companies present astounding financial inclusion to the unemployed eg students as well as the business men.<br />
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See also: <a href="http://smartfinanceng.blogspot.com/2016/10/affiliate-marketing-you-do-not-require.html">Affiliate Marketing does not require a blog or website</a></div>
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Guess what? The requirement could be basically your <b style="font-style: normal;">BVN</b>, and/or <b style="font-style: normal;">social media accounts </b>only (like Facebook or Twitter account). Other simple things could be required. In totality little or no paperwork nor collateral is usually required. Your profile will be ran through an algorithm that decides if you match and can be trusted,<i> abegi na their money</i>, they've got to make precautions.</div>
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<span style="font-size: x-large;"><span style="font-style: normal;">BVN?</span> </span><span style="font-size: x-large; font-weight: normal;"><i>Hu-oh!</i></span><span style="color: red; font-size: small; font-style: normal; font-weight: normal;"> </span>Relax. </div>
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Some people do cringe at the request for the BVNs by financial operators. It is a <a href="http://www.bvn.com.ng/" title="BVN: What You Need to Know">standard authentication requirement, sanctioned by Central bank of Nigeria (CBN)</a> for any financial activities in Nigeria, loan application inclusive. BVN is nothing but a means identifying you at the central database, maintained by the CBN. While these service providers can not compromise your data, having your BVN gives them a sense of security that you own the account and is not an unscrupulous human being (even if you are, looks can deceive but your credit history/record can tell them a little about you). Is this not a good thing?</div>
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Check the <span style="font-size: x-large;"><a href="http://smartfinanceng.blogspot.com/2016/09/online-credit-solutions-in-nigeria.html">list</a></span> of high performing<span style="font-size: x-large;"><span style="font-size: small;"> </span><a href="http://smartfinanceng.blogspot.com/2016/09/online-credit-solutions-in-nigeria.html">credit facilities</a></span><span style="font-size: x-large;"> </span>in Nigeria right now.</div>
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If you feel the list is incomplete, <i>please holla back. No time to waste time. It's our life nah</i>.</div>
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Happy weekend.</div>
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Unknownnoreply@blogger.com0tag:blogger.com,1999:blog-8956763510382079368.post-57056809586069216952016-10-14T15:48:00.002+01:002016-10-15T01:25:50.769+01:00Affiliate Marketing: Leveraging on Nairaland, LIB and Others<div dir="ltr" style="text-align: left;" trbidi="on">
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<b><a href="http://www.nairaland.com/">Nairaland</a></b> (NL) forum website and <a href="http://www.lindaikejisblog.com/">Linda Ikeji's Blog</a> (LIB) are known to be the online traffic cabals in Africa. </div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgc8AO0hpUoSaeYgHXqtYsdovMlfxY5RjvOUwwEFo-kbtjWIk3kPVerJZBrh6klopO-cKSNpqdXQgponMy5TgX8-KGhBZSSiFDQjRRqQOwZKHarViaDCWSevQVLxNi4qDLBHxZpPYKt1iI/s1600/affiliate-marketing2.jpg" imageanchor="1" style="clear: right; float: right; margin-bottom: 1em; margin-left: 1em;"><img border="0" height="240" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEgc8AO0hpUoSaeYgHXqtYsdovMlfxY5RjvOUwwEFo-kbtjWIk3kPVerJZBrh6klopO-cKSNpqdXQgponMy5TgX8-KGhBZSSiFDQjRRqQOwZKHarViaDCWSevQVLxNi4qDLBHxZpPYKt1iI/s400/affiliate-marketing2.jpg" width="400" /></a></div>
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Seun Osewa is a magnanimous human being, I believe he's trying his best everyday to tame his tumultuous and rebellious online machine. Not his fault, how well can you, Yes You<span style="font-size: x-large;">!</span> out there manage a group of <b>civilized</b> human beings albeit packs of energetic <i><b>e-warriors</b></i> and unrestrained political fanatics? This man is trying his best. Leave ethnic chauvinism and political jingoism (the two sections filled <br />
<a name='more'></a>with flame wars on daily bases) out of NL you will see its total glory. Smaller websites, bloggers and advertisers can better attest to its traffic diversion in tributaries to them. Conversion rate? That I do can't tell but advertisers would do better.<br />
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Let's get down to the business of the day. Lacing your link with well-scripted and creative signature on NL is one sure way to get users to notice your affiliate link. It is a bait that attracts users who your link follow up to the appropriate page. NL's effectiveness in this sense depends on your level of activeness on the site. The more comment and post you make the more the trails you leave behind. You can get good traffic from NL, it is more of a breadcrumb.</div>
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<li>The trick is, be your self, comment sensibly or rather make your signature or comments weird you'll still get noticed but being sensible gives better sense of conviction to your would-be followers. I call this 'follower' because they will trail your link to the merchant page/product that you are promoting.</li>
<li>There is a signature that accompanies all your comments and contributions on the site, character limit of the signature is short but powerful if you can communicate your message well.</li>
<li>Besides commenting, you can create your own original post. Chances of it reaching the most coveted front page is slim (unless you opted to sponsor it or your topic is about SNAKE!). You can still direct people to it through hyperlink in your comments.</li>
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<li>Another bonus is, you can style the font to make it catchy,<span style="font-size: x-large;"> <span style="color: red;"><b>i</b></span></span><b><span style="color: orange; font-size: large;">r</span></b><span style="font-size: large;"><b>r</b></span><span style="color: #cc0000;"><b>ita</b><span style="font-size: x-large;">t</span><b>in</b></span><span style="color: magenta; font-size: x-large;">g</span>ly <b><span style="font-size: x-large;"><span style="color: #bf9000;">b</span>i<span style="color: #674ea7;">g</span></span></b> <b><span style="color: #cc0000;">and</span></b> <b><span style="font-size: large;">c</span><span style="color: #0b5394;">o</span><span style="color: lime;">l</span><span style="background-color: white;">o</span><span style="color: #4c1130;">r</span><span style="color: #660000;">f</span><span style="color: #cc0000;">u</span><span style="color: #134f5c; font-size: x-large;">l</span></b>. But beware of NL's anti-spam bot, it is potent.</li>
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See the introduction to <a href="http://smartfinanceng.blogspot.com/2016/10/affiliate-marketing-you-do-not-require.html"><b>Affiliate Marketing</b></a></div>
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LIB is another good source "diversion". The same rule applies just like above NL above (but neither is LIB flexible for styling nor have signature). You need to keep up with every post to make impressive or catchy comments, I'll suggest not rogue comments like "<i>~~Linda take note</i>" or "<i>~~Watch video of a teacher screwing student in the toilet</i>" sort of things. You leverage on their traffic to your own advantage. Many other very good sources of traffic abound in Nigeria such as <b>#hash-tag</b>ging on <b>Twitter</b> or <b>Facebook </b>pages. Other means could be the use of ad-click services, e-mail lists, sending links directly to friends etc.<br />
You only have to go on the adventure, a treasure hunt to see what works for you. Spread your links across as many pages as possible for better reach and higher cumulative revenue.</div>
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All these things are not as easy as they seem anyway. Don't just think you can wake up one day and start making money from blogging or affiliate marketing, or the internet right away. Everything takes time, energy and lots of patience and effort. Living in areas where electricity is relatively worse will surely frustrate your life. As a starter or student you might not be able to afford solar power generator. Solution is, you will have to get this notorious and lousy alternative, mechanical electricity generator -<i>pardon my grammar, lol</i>. Don't forget about data -internet subscription, <i>that stuff ain't cheap at all</i>.</div>
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Unknownnoreply@blogger.com1tag:blogger.com,1999:blog-8956763510382079368.post-29382378712193694882016-10-14T13:56:00.002+01:002016-10-15T14:54:12.695+01:00Affiliate Marketing: You Do Not Require a Blog or Website to Start<div dir="ltr" style="text-align: left;" trbidi="on">
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You do not have to own a website or blog to make money from affiliate marketing. Yes, you read that correctly. Online social or forum account is good for a start, I am a witness.</div>
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<a href="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiPcdDDYRb5z2W1qTsxeE3B5SiDoVyogeMQy1nxXjIDJhBGSIOQsi6PUZRuAu7lUc9dETZIf3cWvHi24A2RSvUNf5tgbIX-Mxrd7qv6PHLWXceFcsgewkhnp96QzPsqVtYJNY_3KwKtPh0/s1600/affiliate-marketing.png" imageanchor="1" style="margin-left: 1em; margin-right: 1em; text-align: justify;"><img border="0" height="325" src="https://blogger.googleusercontent.com/img/b/R29vZ2xl/AVvXsEiPcdDDYRb5z2W1qTsxeE3B5SiDoVyogeMQy1nxXjIDJhBGSIOQsi6PUZRuAu7lUc9dETZIf3cWvHi24A2RSvUNf5tgbIX-Mxrd7qv6PHLWXceFcsgewkhnp96QzPsqVtYJNY_3KwKtPh0/s400/affiliate-marketing.png" width="400" /></a></div>
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<b>Affiliate marketing</b> <span style="text-align: left;">is the process of earning a commission by promoting other people's (or company's) products. You find a product you like, promote it to others, and earn a piece of the profit for each sale that you make. </span><cite style="text-align: left;"><a href="http://www.smartpassiveincome.com/affiliate-marketing-strategies/">Smart Passive Income</a></cite></div>
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Here is a good one from <a href="http://www.konga.com/">Konga.com</a> reinforcing my earlier claim by a respected Nigerian e-commerce and affiliate program powerhouse:</div>
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You don't even need a website (although having your own website helps). You can promote Konga product via search engines, and social media networks, postings in forums, or simply email to all your friends and people you know with your affiliate link attached to our product. If you have your own website, simply talk to your visitors in real time using live chat software on your website and send them your affiliate links through chat. All you need to do is to send a visitor to Konga.com via a special link called affiliate link, and if he or she buys anything from us, you will get commission. <cite><a href="https://konga.postaffiliatepro.com/affiliates/">Source</a></cite></div>
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What makes an affiliate link special is because each link is unique to only one participating marketer. With the code in the link, all sales, referrals and activities tied to such account will be tracked and maintained in his/her record with the affiliate company, using same.<br />
I wrote <b><a href="http://smartfinanceng.blogspot.com/2016/09/my-first-earning-in-affiliate-marketing.html">a post on this blog</a></b> on how I earned my first money from affiliate marketing. You can research into companies that offer this platform, especially those that give naked affiliate links out e.g sports betting companies such as <a href="http://www.merrybet.com/registration/affiliate241366"><b>MerryBet</b></a>, <a href="https://www.1960bet.com/Odds/registration/affiliate467191"><b>1960bet</b></a> give out affiliate link. Also <a href="https://www.jumia.com/affiliate-program/sign-up.php"><b>Jumia</b></a> and <a href="https://konga.postaffiliatepro.com/affiliates/signup.php"><b>Konga</b></a> supply naked affiliate links to marketers if that is your preference. Earning from such is easier since you have no where to place ad banners.<br />
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For busy people who do not have time to write blogs or do serious editing, you can still make do by pasting your affiliate link across social networks or forum sites in a <span style="color: red;">non-intruding </span><span style="color: red;">manner</span>.<br />
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However, a webpage is more treasured, use of ad banners is better because of it conspicuousness which can lead to higher Click-through-Rate.<br />
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How Affiliate Marketing Works</h3>
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First off, you must read the terms and conditions carefully and agree to it before enlisting.</div>
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<li>Register at your preferred Affiliate Platform Company.</li>
<li>After confirmation, you will have a dashboard in your account from where you can see oyur affiliate link, make choices e.g ad format type (link or banner) or banner ad format type.</li>
<li>Choice whatever suites you and keep promoting in your niche.</li>
<li>Your activities eg referred buyers, new users sales etc will be recorded, you revenue progress will be available for you to track as well.</li>
<li>Revenue is based on whatever rate/percentage the company set of the product/service you are promoting. </li>
<li>Payment is made on whatever mechanism the company laid down eg EFT.</li>
<li>Payment may be made at designated time in a month or whenever your revenue reaches a particular threshold. </li>
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I will accompany this post with <a href="http://smartfinanceng.blogspot.com/2016/10/affiliate-marketing-leveraging-on.html">how to leverage on Nairaland and LIB</a>'s online traffic for upping your affiliate marketing game.<br />
Then further with breakdown on some good affiliate programs in Nigeria.</div>
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<b><a href="http://adwords.google.com/support/">Learn form G<span style="color: red;">o</span><span style="color: yellow;">o</span>g<span style="color: lime;">l</span><span style="color: red;">e</span> how</a> to promote product using search engines.</b></h4>
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Unknownnoreply@blogger.com2