Author: Guest Blogger

  • How To Play Aviator On Popular Nigerian Bet Sites & Win

    How To Play Aviator On Popular Nigerian Bet Sites & Win

    Have you been considering playing an aviator game using any of the popular Nigerian bet sites? Then this article is meant for you. As you read on, you will find out different ways through which you can play this game and also win.

    Let’s get started.

    Before you learn how to play Aviator properly, you must get the best casino to play this game. After several tests, you can now conclude that Casinozer and Yonibet are the two best casinos to play this game.

    You do not need to be an expert casino player to understand Aviator’s rules. It is usually effortless for you to play this game than learning the basics of Blackjack, Poker or Craps. Just try a few seconds then you will see how enticing this game is.

    You can make a bet of between NGN 500 and NGN 1000 with two maximum simultaneous bets per round. Each of these bets is independent. You can also decide to withdraw from one of the platforms early and then take a risk with the second one. The highest possible win you can expect on every round is NGN 10000.

    You can place your bet, wait for the plane to take off, and withdraw as soon as you reach a multiplier that you find acceptable. Do not be greedy, or you risk losing your bet. Be wise while playing this game.

    What is the importance of the game Aviator?

    This product represents the genre of the last game. The key feature of the game is that everything happens in a concise time, and just by placing a bet, the client can receive his winnings immediately.

    Each round of this game lasts from a few seconds to about a few minutes, and the competitions succeed each other with a minimum interruption.

    The player may decide to stop the game himself at any point in time while playing the game. When the user has agreed to stop the plane, his previous bet will be multiplied by the coefficient achieved. The game’s highlight is that the aircraft cannot fly forever, and at any point it “flies”, it connotes the player’s defeat.

    The player will have entertainment based on the generated number if the visual component is discarded.

    Step-by-step process of playing an Aviator game

    To play an Aviator from Mostbet or any other bet site, you should follow these steps:

    1. First, visit the company’s website and log in to the system. Please, if you are a new client, kindly register.
    2. Ensure that you have enough funds in your account to bet.
    3. Top up your account if the need arises.
    4. In the main menu (located at the top of any site page), click “Aviator”.
    5. Then choose the game mode either for real money or demo.
    6. Then enter the bet amount you want to use and click the “Bet” button. You can place two bets on one round at the same time. You also stand the chance of choosing the option and activating automatically to bets. You can also participate in each round until you deactivate the mode or empty your balance.

    Now, to collect your winnings, click on “Cash Out” at any time once the plane takes off. But before the aircraft “takes off”. If you do not have the time to “cash out” before the “fly away”, your bet will be lost.

    Note that in the upper part of the playing field in this game, statistics of recent flights are always available, and some players pay increased attention to search for certain trending games.

    What makes Aviator such a unique game?

    This game is trendy among several online games for various reasons. One of these reasons is that you are at the helm.

    Only you can decide when you want to cash out your funds after winning. It would help if you weren’t greedy. It would be best if you cashed out before the plane flies away, or else your bet will be lost.

    Another strong point of this game is that it is a vital social aspect. All players bet on the same plane can withdraw their winnings whenever they want.

  • Exxtra NSP Loans: Why you might need a loan during your National Service

    Exxtra NSP Loans: Why you might need a loan during your National Service

    It can be challenging to start your National Service, be it teaching, nursing or regular NSS right after school. 

    NSS Exxtra is an online platform where NSS Personnel can get access to loans for their various needs within 24 hours.

    Below are some things you can do with an NSS loan from Exxtra:

    Top up for your Rent Advance

    For young graduates, national service can be an exciting and adventurous period. You are exposed to new experiences, different culture, and broadened horizons. 

    It is common for most service personnel to relocate to cities and regions outside of their homes in order to carry out their mandatory service. 

    This exodus leads to a demand in apartments to rent as these young graduates are not initially compensated for their relocation. 

    In addition, availability of decent apartments to rent is difficult in Ghana, and to make things worse, most of these places to rent are ridden with one-year or two-year advanced payments, putting more pressure on these fresh university graduates. 

    In some cases, family members are able to assist in their relocation efforts, but a vast majority are without the financial resources or people to assist them.

    Securing an Exxtra NSS loan is an excellent way for National Service personnel to cover rent expenses during their national service period and reduce the financial burden on their family and friends.

    Transport and Other Expenses

    As conditions return to normal, some companies are promoting hybrid arrangements or even strict onsite working arrangements as a replacement to strict remote working which existed during the covid-19 era.

    No matter how far your workplace may be from where you live, even the cheapest form of transportation, which is the popular trotro (troski) will be one of your biggest expenses during national service.

    There are some organizations that may make provisions to transport their staff, including service personnel, to and from work by bus.

    Some service personnel, however, are unable to access these resources on account of the organizations where they work. 

    Furthermore, with the financial uncertainty, rising fuel prices, and continually increasing transportation fares, transportation is becoming a real headache for NSPs

    An NSS Loan from Exxtra can go a long way to cushion NSPs from increasing transport costs during their National Service Period before they receive their transport allowances.

    Start a small business 

    Deciding to start your own business is a leap of faith. It requires pushing out of your comfort zone and trying something new. 

    If that idea excites you, why wait around? You’re ready to take the leap and be the CEO of your OWN COMPANY. It’s a lot of work and there are some risks, but the potential for rewards is huge. 

    Another big issue is coming across capital for your small business start-up. Start-up capital refers to the money raised by a new company in order to meet its initial costs and this is where Exxtra NSS Loans come in.

    Exxtra NSS can help you get start-up capital at low interest rates to get your business started. Whether you’re investing in a new laptop to increase productivity, agricultural inputs for your farm, or starting your own fashion design business.

    What you can accomplish during your NSS begins with a small loan from Exxtra, and the possibilities are endless.

    Bridge the time gap in receiving your allowance

    A salary is one of the greatest motivators for any worker, and like everyone else, NSS personnel are heavily dependent on their allowances. 

    The benefits of earning income far outweigh the benefits of gaining experience alone. 

    It is particularly common for people in this part of the world to get their salaries every month, and everyone gets excited as the end of the month approaches.

    However, it is a well-known fact that NSS Personnel experience delays in receiving their NSS allowance from the National Service Secretariat for many reasons.

    In many cases, service personnel may have to wait up to three months before receiving their first check without the other two-month arrears.

    The sad truth is many of these young graduates typically work without pay and cover their expenses on their own without any monetary compensation within the waiting period. It is indeed a frustrating experience.

    An NSS loan from Exxtra provides a simple and affordable solution for personnel experiencing a gap between their NSS Allawa payments to handle their short-term expenses.

    These are some of the reasons why you might need an NSS Exxtra Loan. It is not possible to exhaust the list, as everyone needs funds at some point or another for a variety of reasons. With Exxtra, you have the full access to obtain funds within 24 hours at the lowest interest rates on the market and with No collateral or guarantors required.

    Visit www.exxtra.app for more information and to sign up and apply for your Exxtra National Service Loan today.

  • How Mobile Money Agents can make more money with mBanqer

    How Mobile Money Agents can make more money with mBanqer

    The mBanqer application has been designed with mobile money agents in mind to help them work faster and smarter. The application is not engineered to interfere with the income or commission of the agent. mBanqer does not interrupt the work of the mobile money service providers. But the numerous features can make it easy for agents to earn more profits in the long run.

    The use of technology to accomplish tasks, in this case, financial transactions, with as little human interaction and effort as possible, has helped many businesses flourish. With mBanqer, the mobile money agent attempts a new way of transacting business that would profit them and their customers.

    In this article, there are ways that the mBanqer application can help agents maximise their profit while on the application and some facts about mBanqer they need to know about. Whether you are an agent who has already downloaded the application or are contemplating, take the guide below to know how you can make some more money while on the app.

    mBanqer Offers Financial Protection

    We all know how important financial protection is to every business. It is one of the strongest foundations for a growing business. Without financial protection of any kind, business owners lose money and the trust of their customers. 

    mBanqer will not provide an insurance package for your business, but the application can detect when you are about to make a transaction to a fraudulent number. The application has the largest database of fraudsters in the country. 

    Protection against fraudsters means protecting the agent and their customers’ finances. If an agent loses money every step of the way, there is no way their finances can grow. To maximise revenue, profits need to constantly roll over, and that can only be done when the finances of the mobile money agent are protected. This is what mBanqer does.

    The Automation Technology Allows Agents to Work Faster

    With mBanqer, the agent does not need to be re-dialling USSD codes to perform transactions. All they have to do is readily enter the transaction details and confirm with their secret pin code. 

    They no longer need to keep analogue records of transactional details, nor do they switch between three or more phones to complete transactions. Everything has been engineered into one application that works very fast online and offline. 

    Since speed is essential in conducting businesses like these, mBanqer allows the agent to win because working faster boosts customer loyalty. The customer knows that whenever they make their way to the smart mobile money joint, they will get attended to in no time. 

    This will cause more people to patronise the smart agent’s service, and more customers mean more commission.

    The Agents Get More Insight into Their Business

    The agents that get accurate insight into their business can make more money than those who struggle to check their accounts at the end of the day. The graphical analytics feature that mBanqer comes with not only gives the agent a detailed overview of transactions that have been done within the day, weeks or month, but it also shows them how well their business is doing in certain areas. 

    The agent gets to know which transactions are doing better and which ones are not. With this information, he knows exactly where to invest more to make more profits. 

    For instance, if the cash-out transaction is doing better in the vicinity, the agent knows to keep more cash at hand so that customers will not be negatively affected. It also helps ease the frequency with which agents can restock their electronic cash and the cash at hand. 

    The agent can maximise profit if they can easily measure their business performance.

    Outsourced Transactions

    mBanqer is currently beta testing outsourced transactions, where agents can delegate transactions to mBanqer’s servers, allowing them to earn commissions for transactions they can’t perform themselves. 

    The feature is still being tried to discover any bugs or issues before it is introduced for general use. This feature will also allow agents to earn more profits at the end of the day.

    Do More with Less Effort

    Businesses that pay daily commission mean one thing, the agent needs to perform more transactions. Mobile money operators who situate their businesses in advantageous places have the flex of having numerous customer visit their shop every day. 

    Being able to serve all these people means more commission, and this is where mBanqer comes in. The agent gets to perform transactions both online and offline. The offline version works just as perfectly. 

    The agents get to work faster, and accuracy is not compromised at all. When switching between phones to complete transactions, it is easy to make mistakes, and then the agent has to start all over again. It can be difficult to do more transactions and build on commission at that pace.

    As stated above, the mBanqer application was not developed to interfere with the agents’ finances. mBanqer never sees, accepts or records any sensitive pin code. All information is directly stored locally on the agent’s phone. 

    They do not deduct from the agents’ commission for using the application, nor do they breach the policy of the service providers. The application was designed only to make the agent’s work easier by providing the essential power tools. 

    Because of the competitive edge of the application in the mobile money business, it has been endorsed by the Mobile Money Agents Association of Ghana (MMAAG), which means that mBanqer is safe to use.

    Takeaway

    Mobile Money Agents should download the mbanqer application on the Google play store. Using the application is free and easy. The ultimate goal is always to work smarter and not harder. mBanqer is calling on all agents to choose smart technology today.

    For enquiries, send an email to [email protected].

    Or visit mBanqer.com to read more.

  • Lifestyle and Beauty Blog: How Pickasblog Share Useful Health and Beauty Tips That Helps Ladies Navigate Their Youthfulness

    Lifestyle and Beauty Blog: How Pickasblog Share Useful Health and Beauty Tips That Helps Ladies Navigate Their Youthfulness

    Publog, an informative fashion and lifestyle digital platform wish to announce our rebranding to Pickasblog. Pickasblog is an inspiring, informative and entertaining digital platform focused on female lifestyle, fashion, health and wellness, beauty, and gist for the rest of us.

    We observed gaps among young and older ladies around the world who constantly lived with fear of being seen as inferior in the society as well as naivety on how to live a healthy life, handle relationships, look elegant in appearance and build a strong self-esteem. 

    Notably, ladies check online for tips to know if what they are wearing on their first date looks appropriate. According to Pickasblog Founder, “some even want to know how to seat, eat or talk when they are meeting that new guy, they rather check online than to ask their female friends. We seek to build a massive global subscriber base of daily readers and to make the world a better place.”

    “Seeing ladies go through these hurdles daily made us have this information readily available on pickasblog.com. Pickasblog focuses on daily tips about health and wellbeing, trendy and quality fashion, beauty, lifestyle and relationship tips for the everyday woman in a connected world. ”Beauty is in the eyes of the beholder, they say, but not the reality for all women out there. Many still doubt their beauty, their body type, their shape and are locked up in this stereotype,” the founder added.

    Pickasblog seeks to color the lenses positively through which women see themselves. Wellness and good spirit among ladies produce greatness. From not good enough to fit into the societal standard to personal hate, inferiority complex to lack of the basic fashion, beauty and health tips that projects the positive feminine exuberance, our daily digital contents seeks to answer these muddling thoughts. Fixing these challenges by way of quality daily contents and tips are the focus of the platform. The African artist, Adekunle Gold said in one of his lyrics, ”there’s a man for every woman out there”, a strong statement on self-love and appreciation that projects hope, positivism, sense of belonging and vibrancy in the mind of women.

    For the fashionistas, looking stylish and elegant at a low budget isn’t a fad, as some see it, it’s a possibility and the need to maintain the balance between luxury and affordability in fashion is what myriads of female readers benefit from our platform.

    Our articles help fix wardrobe malfunction, how to look stylish always, tips for online fashion shopping, must-have outfits and fashion accessories for the 21st century lady in addition to trendy outfits no lady want to miss. In a statement by the CEO, “Looking good doesn’t have to cost an arm and foot while looking luxurious doesn’t call for social criticism either. As simple as some fashion tips are, ladies still need to be guided.”

    For the beauticians and lovers of beauty trends, Pickasblog, hence is the go-to destination. With daily contents, carefully crafted tips that will keep readers of beauty tips longing for more, we bring the sauce always while exposing the realities for the female beauty wannabees.

    “Hunger to be loved and love is an important of personal wellbeing. Living in a world with growing trend in broken relationships leaves a lot of questions unanswered and that is one of our focus. Questions like am I likeable, am I too pushy, am I becoming unbearable, how I manage emotional stress, why do guys shy away from me and myriads of them are constantly being search out by young women and we pose to answer those. Visit http://www.pickasblog.comto read more

  • Mobile App or Website? 10 Reasons Why Apps are Better

    Mobile App or Website? 10 Reasons Why Apps are Better

    Statistics show us that the number of mobile apps downloads has reached over 218 billion apps. Businesses tend to show more interest in having a mobile app beside their website. As people are more satisfied with mobile apps rather than web pages. 

    While some organizations use both mobile websites and applications, others may have to pick between the two. The cost, usability, necessary functionality, and target audience all go into the decision between mobile applications and websites.

    However, a number of studies have shown that people prefer mobile applications to mobile websites. This is a compelling incentive to develop mobile apps for contacting new (and current) consumers.

    Website or mobile app

    Designing both a website and a mobile application for your brand may be expensive, so depending on your budget and the goals of the business, you may have to pick between the two. While all channels have advantages and disadvantages, mobile applications, in particular, can help you increase conversions and retention. 

    Mobile applications provide more customization and operational efficiency, as well as a variety of other unique features.

    There are also a number of additional factors that make mobile applications preferable to mobile web pages.

    When you hire a company that has a demonstrated development history in mobile application in Australia, your customers enjoy every action they take in your mobile app.

    Personalize better with mobile app

    Offering tailored communications to clients based on their interests, geography, user behavior, and other factors is what personalization is all about.

    It’s simple to provide users a tailored experience using mobile applications. You may also test out alternative experiences for your consumers using a mobile application A/B testing tool.

    Mobile applications can allow users to select their preferences upfront, allowing them to be delivered personalized information. Customers’ interactions may also be tracked and observed by apps, which can then be used to provide personalized suggestions and updates to consumers. They can also employ real-time geolocation to give consumers content tailored to their location.

    Personalization, on the other hand, offers more than just increasing the user experience. It can also aid in improving app conversion rates.

    When consumers are treated to customized information, they are more likely to convert since it has a human touch rather than generic material, which appears robotic or mechanical.

    A superior marketing channel

    Mobile applications are one of the most effective methods to boost your company’s revenue. These applications provide a bold platform for showcasing your company’s offerings. They are unquestionably an effective e-commerce tool for a wide range of companies. 

    Because of the enormous number of mobile users on the planet today, apps have become a low-cost tool to move your company ahead.

    There are several advertising gimmicks that employ apps to promote any product or service to consumers.

    Many of the world’s most successful companies have created business applications to improve their service levels and client interactions. Apps may be created to be more secure and have more functionality than websites, making them an excellent marketing tool for many businesses.

    Applications are much faster 

    A high-quality developed app can take action much faster than on a website. In contrast to web pages, which often require web servers, apps typically keep their data locally on smartphones. As a result, data retrieval in mobile apps is lightning fast.

    Apps may save users even more time by remembering their preferences and taking proactive steps on their behalf.

    There’s also a technological explanation for why mobile applications are quicker. The majority of tasks on mobile websites are performed using JavaScript code, and the framework used by mobile apps may run nearly five times quicker than JavaScript code! 

    While all of this is going on in the background, users may perform activities faster on the front end of mobile apps, adding to a pleasant user experience.

    Better communication

    Mobile Apps provide the most advanced communication capabilities. They are, without even a doubt, an excellent platform for quick and efficient communication. Today’s apps provide useful features such as in-app texting. Apps enable businesses to engage with their customers more quickly and without being harsh. In-app notifications allow businesses to provide quick updates. Websites aren’t as quick or as powerful as mobile applications. This distinguishes Mobile Apps from their counterparts once more.

    Communication is the key, and having dialogue is crucial in business. Sales occur when a user and a seller interact, therefore if you want more sales, you must engage with your customers, and the ideal method to engage with your customers is to create a feature or a chat module via which a customer may communicate with your company. 

    A mobile app might provide you the option of including a chat module for clients to communicate with your company and receive assistance in purchasing your items or services.

    Apps are available offline 

    Apps for mobile devices can function even if they are not connected to the internet. Despite the fact that many applications require internet access to conduct most of their functions, they may nevertheless provide content and functionality to users when they are offline. Users may access information at any time and from any location thanks to this benefit.

    Because the applications are installed on a mobile phone, they will continue to provide material and functionality even if the device is not connected to the internet. The app saves the data locally and then uploads it whenever a connection is established.

    Brand presence

    Mobile usage is far higher than that of any other device. As a result, it may be estimated that a user spends nearly every day on their device’s loaded apps. This everyday action provides a chance for applications to advertise themselves. 

    Even when a customer isn’t using the app, the brand connected with it is still remembered. The app’s symbol serves as a sort of brand marketing, unconsciously influencing the user’s impression of the label.

    Choosing between a mobile app or web page will remain a genuine issue for organizations wanting to establish a mobile application as mobile consumption continues to rise throughout the world. 

    You can choose a logical option for your organization based on the requirements of your content. To meet more specialized needs, many businesses offer both a downloaded app and an online site presence.

    Enhance customer experience

    Many websites don’t look good on small phone displays, but mobile apps are specifically created for small screen sizes, making them easier to see and use for customers. 

    Apps also provide fast access to your contact channels; a client may phone or start a video chat with just one click. The software can recognize where you are in real time and give position information and directions to users who have their location switched on. 

    Enjoy more features

    Today’s websites don’t have nearly as many distinguishing features as mobile applications. They have only the most basic multimedia capabilities. Apps, on the other hand, may access features such as the list of contacts, phone conversations, camera, and location on the user’s device. Apps provide a more complete user experience. 

    In comparison to a website, it is also easier to add new features to a mobile app because there are more alternatives accessible. As a result, app performance is exceptional.

    Make more money 

    Providing such a positive experience has been shown to increase app revenue. It’s worth noting that free applications are all the rage these days. They are completely free to download, but they are money-making machines.

    Their incredible financial achievement is due in part to the high quality of their products, but also to smart monetization strategies championed by companies like Appnext. There are many ways to re-engage people and do it at the right time.

    With targeted advertising, campaigns, and video ads, you can boost your bottom line without sacrificing user experience.

    When you are in the mobile development phase you have more options on choosing the monetization methods thus your current business model.

    Sending notifications to become easier 

    An email has been the most commonly utilized corporate communication medium for the previous two decades. Businesses have utilized email extensively (and in some cases, misused it) to communicate with their customers. As a result, email is no longer as successful as it once was; open and click rates have steadily declined.

    There are two sorts of notifications: in-app and push notifications. Both are interesting ways to communicate with app users in a less invasive way.

    One of the main reasons why many companies want to have a mobile phone app in the first place is the opportunity to offer consumers quick, non-intrusive messages.

    Last words 

    We have now entered the mobile-first business era. Applications offer a number of important capabilities and benefits that web pages do not.

    People not only anxiously download them, but they also have an impact on their behavior. They are showered with customized content, features, and an atmosphere that is customized to them.

    So if you want to have a cool mobile app, put yourself in the customer’s shoes.

    Author Bio:

    Ayla Anderson is an avid reader and an enthusiastic blogger who writes articles on home improvement, business, Family and beauty. She is also an MBA student who spends much of her time giving advice to newly small businesses on how to grow their businesses. You can follow me on Twitter.

  • Liberalize mobile phone usage in Ghana’s secondary schools to accelerate Ghana’s digitization drive

    Liberalize mobile phone usage in Ghana’s secondary schools to accelerate Ghana’s digitization drive

    In the last quarter of 2021, the Bank of Ghana announced that plans are far advanced to introduce e-cedi, a proposed digital currency that will enable people to transact business without needing any form of connectivity. This implies users of the proposed new e-cedi will be able to transact businesses offline without needing power or any form of connectivity.

    It wasn’t long ago when Mahammadu Bawumia, vice president of the Republic of Ghana delivered the “digital speech” at the University of Ashesi in Ghana. During the speech, the vice president discussed the government’s policies to digitize the economy of Ghana. For example, the vice president mentioned the digital address system, the online passport application system, and the cashless system through the mobile banking system.

    Apart from the points discussed above, the vice president, cabinet ministers and government communicators have on a number of platforms, discussed how government policies toward education especially, in the second cycle institutions. For example, the introduction of Wi-Fi to both secondary schools and tertiary institutions across Ghana.

    Recently, the government added one laptop per teacher policy. This and many other policies from past and present government indicates that Ghana’s leading in digital technology within the West African subregion.

    It’s instructive to note that are these are great. However, they are likely to fail if we do not realign them to include the youth, particularly those in the second cycle institutions. “Transforming Economy Through Digitalization: The Ghana Story” is a power narrative that should involve the youths of the country.

    However, the current Ghana Education Service policy does not allow students in secondary institutions to use mobile phones, a policy which is afront to the government’s effort to digitize the economy.

    The government introduced WIFI’s to most of the senior high schools in Ghana, yet the current policy does not allow them to use mobile phones.

    As of January 2021, there were 16 million internet users. Out of this, approximately 9 million of them use social media.

    Between 2020 and 2021, the number of mobile connections in Ghana increased by 3.1 million (+8.1%]. This implies that more people including those in senior high schools have gained access to the world wide web.

    There are computer labs in almost in every public secondary school in Ghana. The reality is that these labs are ill-equipped to serve students and teachers.

    At the Wesley Grammar School in Dansoman, we had a computer lab, but this lab was ill-equipped; 1/3 of the desktops were broken, leaving a fraction of them to function. To ensure a student didn’t miss any of the teachings, computer class lessons were divided to allow us to practice in badges.

    How can we achieve digitization if the youths are not resourced to take part in the digitization process? To me, introducing Wi-Fi in secondary schools without adequate computers is a recipe for disaster. Per my experience, only a handful of people especially teachers who are given free governments laptop would benefit from the current Wi-Fi policy.

    In African, our grandfathers will pass knowledge to us by teaching us the trade and giving us the resources so that we can function if they no longer live with us.

    Vice president Mahammadu Bawumia said, and I paraphrased “there is a body of empirical evidence on how digitization leads to job creation and other opportunities.”

    Aggor, Tchao, Keelson, and Diawuo examined mobile phone usage and its impact on senior high school and technical students in Nkurenza in Ghana. The findings reveal that the use of mobile phone in the Ghana educational systems will have a positive impact on the teaching and learning process.

    This and many independent private studies reveal positive attributes to mobile usage in educational systems. Though there are concerns that mobile phones can distract students from learning. These are legitimate but not enough to deny students the opportunity to participate in the digitization drive since there’s an alternative to not having enough computers for study.

    Mobile usage is on rise in Ghana. Allowing students to use mobile phones in secondary schools will accelerate government’s digitization policy. If not, knowledge cannot be passed on to the younger generation.

    I am John Intifunie Nsaman, a data scientist, policy research analyst, and the founder of Joloman.com. My email address is: [email protected]

    I hold a bachelor’s degree in sociology and geography from the University of Cape, Ghana. Also, I graduated from the Clinton School of Public Service, and I am currently studying MSc in Business Information Systems and Analytics at the University of Arkansas at Little Rock.

    My interest includes technology, entrepreneurship, and blogging.

  • Understanding NFTs: How to make money from selling NFTs in Ghana

    Understanding NFTs: How to make money from selling NFTs in Ghana

    What are NFTs?

    NFT stands for Non-Fungible Token. Fungibility means that an item is replaceable by another identical item or mutually interchangeable one for one.

    For instance, a cedi note can be interchanged for another cedi note because they are of the same value.

    This implies that anything that is non-fungible cannot be exchanged for another item because it’s unique.

    For instance, one piece of art is not equal to another. Both have unique properties.

    To further deepen the understanding of NFTs, let’s look at what a token means. A token is basically anything that can be traded or exchanged; it doesn’t have to be real money

    Putting everything together, NFTs are tokens that live on the blockchain and represent the ownership of unique items.

    What is the concept behind NFTs, the blockchain and why is it useful?

     Tracking who owns a digital file is tricky because it can be copied and distributed effortlessly. So how can you prove who’s the original owner when everyone has an identical copy of the file? This is where

    NFTs solve this problem. Imagine that you made a piece of digital art, essentially a JPG, on your computer. You can create or mint an NFT out of this.

    Technically, NFTs are smart contracts that live on a blockchain. The NFT that represents your art contains a bit of information about it, such as a unique fingerprint of the file, a token name, and a symbol. This token is then stored onto a blockchain, and you, the artist, become the owner. Now you can sell that token by creating a transaction on the blockchain. The blockchain makes sure that this information can never be tampered with. It also allows you to track who’s the current owner of a token and for how much it has been sold in the past.

     It’s important to note that the artwork itself is not stored within the NFT or the blockchain. Only its attributes such as the fingerprint or hash of the file, a token name, and symbol, and optionally a link to a file.

    Now here’s where NFT’s become weird. When you buy an NFT that represents artwork, you don’t get a physical copy of it. Then it means everyone can download a copy for free. The NFT only represents ownership, and that is recorded in a blockchain so nobody can tamper with it. Some say that NFT’s give you digital bragging rights. And to make it even weirder: while the token owner owns the original artwork, the creator of the NFT retains the copyright and the reproduction rights. So an artist can sell his original artwork as an NFT, but he can still sell prints.

    Use cases of NFTs

    NFT’s can also be used to sell:

    • Concert tickets
    • Domain names
    • Rare in-game items
    • Real estate(houses, lands)
    • Art
    • Music
    • GIFs
    • Fonts
    • Clothing

    For example, the founder of Twitter sold his first tweet as an NFT. Anyone can see that tweet on his profile, but now, only one person can own it. And that person paid over 2.9 million dollars for it.

    At this point, I know you may be wondering exactly how these NFTs get their value and how you can create your own NFT or buy and sell NFTs profitably! Join Tezos Ghana immersive at our immersive cryptocurrency and NFT online meetup experience as we delve into the following:

    Outline of Tezos Ghana Cryptocurrency and NFT online meetup

    1. Introduction to Non-Fungible Tokens(NFTs)
    2. Crazy NFT collections
    3. How to create an NFT
    4. How to buy & sell NFTs
    5. How to find profitable NFT projects early

    Click on this link to register; https://bit.ly/3zoa0rz. It’s absolutely free!

    Written by : Tezos Ghana

    Website : www.tezosghana.org

    Twitter: @tezos_ghana

  • Free Mobile Money Transactions and the Cash-Lite Economy in Ghana

    Free Mobile Money Transactions and the Cash-Lite Economy in Ghana

    With the wide-spread use of mobile phone devices, the introduction of Mobile Money (MOMO) in Ghana since 2009 has had quite a significant impact on the Ghanaian economy by reducing unemployment to some extent, developing the payment ecosystem, providing a means of savings for people without access to banks, timely completion of financial transactions, among others.

    More than a decade down the line and the importance of mobile money to the economy cannot be underrated especially during this pandemic where the risk of fomite transmissions through paper money can be reduced by using cashless payment systems.
    In 2020 alone, the volume of mobile money transactions was worth GHS 571.8 billion according to the Deputy Bank of Ghana (BoG) Governor, Mrs. Elsie Awadzi, thus surpassing all other payment platforms.

    The telecommunication companies have mobile money services offered at a little fee per transaction, yet mobile money merchants who aim to maximize their profits have made it costly by introducing unapproved charges.

    They do not comply with the rules of transaction stated by the telephone companies and thereby, discouraging consumer patronage to some extent. This is somewhat due to the poor education of the customer base and the laxity of telcos in monitoring the actions of merchants and enforcing compliance.

    Wow! It’s free. Who would’ve imagined a charge-free mobile money transaction? I transferred a huge sum of money from my Vodafone Cash (VF-Cash) wallet and it incurred no charges. Interestingly, this is a cross-network transaction that I have always known to incur higher transaction rates than transactions on the same network.

    Kudos to the Government for the Mobile Money Interoperability (MMI) initiative and to Vodafone Ghana for making all VF-Cash transfers including those across the MMI platform free.

    This probably is a marketing strategy aimed at increasing the patronage of VF- Cash and thus, the customer base of Vodafone Ghana at large but ruminating on this makes me appreciate the reduction in financial burden on customers too.

    It’s already a year and counting since Vodafone Ghana waived charges on mobile money transfers to all networks yet with the profit motive of most businesses, other networks still charge fees.

    Other telcos should learn, emulate and have Vodafone’s innovation continued even post-Covid. Why?

    Aside from drastically reducing the financial burden on customers, and frustrating hard cash transactions within the pandemic, waiving charges on mobile money transactions will tend to make the service more appealing to the ordinary Ghanaian and effect a rise in patronage, and impacting the incidence of robberies and loss of one’s money.

    As unsafe as our communities and roads can be to move cash, mobile money provides a form of insurance to patrons since they do not have to worry about the risk of attacks by armed men on our highways. In cases of such attacks where mobile devices are lost, one could simply have their SIM cards replaced at almost no cost with their e-cash intact after meeting the requirements.

    As the world migrates to a digital economy, telecommunications companies must change their perspective from mobile money being a means of convenience to it being a necessary luxury, and hence, mobile money charges particularly on person to person (P2P) transactions should be phased out, or drastically reduced and applied increasingly on Person to Business (P2B), and Business to Business (B2B) transactions. It is worth noting that MTN has zero charges for transactions below GHS 100.00. However, more can be done.

    Telecommunication companies like other businesses are inclined to profit-making as they owe financial obligations to shareholders, employees, and the state.

    This could render phasing out charges on transactions an impossible feat but largely compensated for by considering how much revenue these telcos could be losing through the illegal practices of rogue merchants and developing robust measures to curb the illegality.

    That is not to disprove the loss of some revenue but as difficult as it might seem to sacrifice some percentage of the revenue generated from mobile money transactions, we learn from Vodafone that it is possible, and is a step in the right direction to reduce cash in circulation to some extent.

    Mobile money charges on cash withdrawals could have the rates revised to champion the course of a cash-lite economy.

    I believe this initiative can be taken up by the Government through the Bank of Ghana in the quest to develop a cash-lite economy, where a more effective and efficient monetary management of the economy can be done.
    Also, a proper national identification system aiding the registration of SIM cards would help reduce the incidence of money laundering through mobile money services since clients are known through the National Identification System.

    Telecommunication companies should develop robust measures in monitoring their merchants, thus, discouraging the dubious practices that their merchants use in ripping customers off. This would make the mobile money service appealing to many.

    Also, the Government and its regulatory agencies, particularly the Bank of Ghana, National Communications Authority, Economic and Organized Crime Office, etc. should force the hands of these telecommunication companies to work towards zero charges on mobile money transfers to champion the digital economy dream.

    Edmund Terkpernor,
    [email protected]
    8/20/2021

  • How To Know If A Website Is Safe To Buy Or Deposit Money

    How To Know If A Website Is Safe To Buy Or Deposit Money

    Online shopping is a great way to compare prices and get the best deals—all from the comfort of your couch. As long as you have a good internet connection and a loaded account, you’re good to go.

    But as its popularity increases, so do the risks, with more and more people trying to scam users out of their money. Thankfully, if you follow the simple criteria we’ve highlighted in this article, you can enjoy a safe online shopping experience.

    Tips To Spot Fraudulent Websites

    Some online retail scammers are usually after your financial and personal information. Others will sell you inferior quality goods at absurdly high prices. Keep an eye out for these features when shopping, and you’ll be less likely to fall prey to such scams;

    • Well-Known Brands

    Buy from a trusted online retail site. That means it should have millions of users worldwide, with various secure deposit methods to suit everyone’s preferences. Such companies also use a familiar branding logo to present their products, so you don’t get scammed with counterfeits.

    • User Feedback

    The beautiful thing about the internet is that you can always know the experiences other people have had with a company via reviews on the sites. So, with a bit of digging, you’ll get to know if a site is fake based on how the users rate its services before making your move.

    TripAdvisor and Feefo would be good sources to start with as you’ll find both product quality information and warnings against scams. You can also use the Scam Tracker Tool by Better Business Bureau to check for any reports of a site being fake. AskGamblers and Online United States Casinos are great sources for gamblers.

    • Connection Security

    There are several indicators that a website is safe and private on its address bar, the most important one being the HTTPS feature. It works as a secure version of HTTP by adding a layer of SSL encryptions that prevents any third-party interception.

    • Customer Support

    Retailers who want to provide a satisfying experience make it easy for customers to contact them if there’s an issue. Does it have a phone number listed, an email address, or better yet, a live chat option? Also, try sending a common query across all the channels and see if you receive a fast and helpful response.

    • Payment Options

    Most legit companies will only accept major credit/debit cards and several other well-known methods like e-wallets and crypto. Scammers will go for payment options that are untraceable and difficult to dispute once you complete the transaction.

    The Most Secure Online Payment Options

    Having access to quick and secure deposit methods at retail websites is essential for all types of buyers. Let’s take, for example, online casinos, where players want to load funds and withdraw winnings without having to worry about fraud or to wait for weeks to see the amount reflected. If you’re going to settle for the right casino, you better review instant withdrawal casinos with popular payment methods. 

    • Credit And Debit Cards

    Credit and debit cards are by far the most secure and simple-to-use payment methods. The most accepted ones include Visa, Mastercard, and American Express. They are simple to deposit with, use SSL encryptions to protect user data, and are globally available.

    • E-Wallets

    E-wallets are another fantastic way to remain protected as you make online payments. Not only that, but they also offer fast processing, with most taking as little as 24-48 hours to complete transactions. Popular and secure e-wallets include PayPal, Skrill, Neteller, and Trustly.

    • Bank Transfers

    Although a bit slow, with processing speeds of 3-5 business days, bank transfers will never fail you when it comes to security. Transactions occur between your bank and the merchant’s bank, so they use the strong encryptions placed by these institutions.

    • Cryptocurrencies

    Depositing with cryptos like Bitcoin and Ethereum is easy, with anonymity as an added advantage. If you’re worried about providing proof of payment, rest assured that all your transactions will be recorded on a blockchain ledger. These payments also use multiple verifications and highly encrypted systems to ensure everything runs smoothly.

    Your Safety Should Always Come First!

    When done the right way, internet shopping can be very fulfilling, with some of the best and high-quality goods conveniently available. So don’t lose your cash to online retail con artists—instead, use our tips and recommended methods to ensure your safety always comes first!

    Author Bio

    Hi! I’m Bryan, and I’m a passionate & expert writer with more than five years of experience. I have written about various topics such as product descriptions, travel, cryptocurrencies, and online gaming in my writing journey. The latter is one of my favorites topics, and you can find some of my premium casino content at OUSC.

  • 5 Ways Technology Affects Your Mental Health

    5 Ways Technology Affects Your Mental Health

    Technology is an unavoidable part of life these days, and it clearly comes with many advantages. We’re more connected than ever before, and any information you need can be found online in only a matter of seconds. But how does technology affect our mental health? Below, find five ways that the use of technology can actually be a detriment to you mentally.

    Excessive use of technology can lead to problems with focus and concentration.

    It has been found that the average person checks their phone every 12 minutes, and the day often begins by catching up on social media and phone notifications. Unfortunately, being in this “always on” state actually erodes the ability to focus and concentrate on the task at hand. Constant distractions and interruptions from your phone throughout the day have long-term negative consequences. Luckily, it’s possible to work on this issue by turning off your phone or leaving it in another room when you need to focus on a specific task. 

    The use of technology and social media can lead to isolation.

    It’s somewhat ironic that although we are all very much connected online these days, this online connection can lead to real-life isolation. One study showed that young adults who were very active on social media were more than three times as likely to feel socially isolated! This social isolation was not seen in young adults who did not frequently use social media. So if you’re a Twitter and Facebook fanatic, be sure to take regular breaks and to connect with the people you care about in person. Although likes and comments can provide a quick dopamine boost, they simply can’t replace real-life interactions and connections with others. To speak to a mental health professional about isolation and other issues, click over to MyTherapist.

    The blue light from televisions, computers, and cell phones can cause issues with sleep.

    Sleep plays a huge role in our overall health and mood, so anything that disrupts your sleep should be taken very seriously. The light that comes from electronics prevents the brain from producing melatonin, the hormone that regulates sleep. This is why you often hear the recommendation to avoid using electronics for at least an hour before bed; this way, your brain is able to keep up its regular sleep and wake cycle and produce melatonin as it should naturally. Staying away from the electronics before bedtime is an easy and effective way to improve the quality of your sleep as well as your mood and energy level the following day.

    The use of technology and social media has been linked to increased anxiety.

    While the internet is a treasure trove of information and can provide answers to any number of questions, it can also provide its users with unnecessary anxiety. Anxiety can develop as a result of constantly seeing negative or upsetting news headlines online; another source of anxiety is the common practice of typing symptoms you’re experiencing into a search engine to see what type of illness you may be experiencing. In addition, the use of social media can increase anxiety in some people. However, studies show that those who have overwhelmingly positive interactions on social media can actually have lower levels of anxiety, so results may vary depending on a case-by-case basis.

    The need to stay connected on social media can lead to depression.

    It’s very sad to think that social media platforms, which were originally intended to help people stay connected with others, are now associated with mental health issues such as depression. The reality is that depression and low self-esteem can result when people rely on social media to provide them with validation and affirmation. The need to appear perfect on these platforms can add a significant amount of stress to a person’s life, and it can keep them from enjoying their life in the moment as well. Those who are prone to social comparison can also experience negative emotions and even mental health issues when they use social media regularly. The simple solution is to disconnect and take a break from social media on occasion, or even to stop using social media altogether if you’ve noticed that it has a detrimental effect on your mental health.

    The Bottom Line

    It’s clear that today’s advanced technology comes with many different advantages and benefits. But just like everything else in the world, there are drawbacks to technology and social media as well. The use of technology has been associated with issues such as not being able to concentrate, isolation, anxiety, depression, and problems with sleep. If your mental health has suffered as a result of technology use, be sure to evaluate the situation or even talk to a mental health professional in order to alleviate the issues you’re experiencing.


    Marie Miguel Biography

    Marie Miguel has been a writing and research expert for nearly a decade, covering a variety of health- related topics. Currently, she is contributing to the expansion and growth of a free online mental health resource with BetterHelp.com. With an interest and dedication to addressing stigmas associated with mental health, she continues to specifically target subjects related to anxiety and depression.