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Category: For Ghanaians

  • How To Invest In The MTN My Own Pension Scheme

    How To Invest In The MTN My Own Pension Scheme

    MTN Ghana has designed a beautiful service for all workers to enjoy a great pension by contributing regularly for a period of 5 years or more.

    With the My Own Pension scheme, users determine how much they wish to contribute and the frequency of the payment as well.

    You can decide to pay daily, weekly or monthly. So, if I decide to pay 1 cedi daily (which is the least), and I choose a weekly Frequency, I’ll pay 5 Ghana cedis weekly through my mobile money account.

    Once the registration is complete, payment is done automatically every 7 days.

    Meaning, if you registered on Tuesday, every Tuesday, the deduction is made from your account.

    If you do not have enough money in your account prior to the next deduction, that payday gets skipped and you wouldn’t be double-charged for your next deduction.

    Also, your investment in the pension scheme is further divided into two equal parts. The first half goes into an investment account which you can withdraw after one year.

    The other half goes into your pensions account which you can withdraw after 5 years. The interest rate on the pension scheme is a little higher than the T.Bill Rate for each year.

    How To Register For The Service

    1. Dial *170#

    2. Enter option 5 for financial services

    3. Enter option 4 for pensions and investment

    4. Enter option 1 for My own pension

    5. Select option 1 to Register

    6. Enter Residential Address

    7. Enter name of Next of kin

    8. Enter phone number of Next of kin

    9. Select Payment Cycle

    10. Enter amount

    11. Enter 4 digit secret codeM

    12. Confirm 4 digit secret code

    NOTE: You can only withdraw from your investment account after one year of contribution. Also, your pension account withdrawals are only available after your fifth year of contributions. You can always check your contributions in your Pensions and Investments account.

  • How To Buy Treasury Bill Through MTN Mobile Money From 5 Cedis And Above

    How To Buy Treasury Bill Through MTN Mobile Money From 5 Cedis And Above

    MTN mobile money has made purchasing of treasury bill a lot easier and more convenient for all.

    Under the financial services option of the MTN Mobile money portal, one could see Treasury Bills listed among other services.

    To access this service on your phone, follow the following steps:

    How to Register for a Treasury Bill Account with MTN Mobile Money

    1. Dial *170#
    2. Press 5 for financial services
    3. Select 4 for pensions and investment
    4. Select 2 for treasury bills
    5. Select 1 to register
    6. Enter your full name and send
    7. Enter your next of Kin’s name
    8. Enter your next of Kin’s phone number

    How to buy Treasury Bill with MTN Mobile Money

    The steps below work only if you have already registered for a treasury bill. To buy a Treasury Bill in Ghana directly from your Mobile Money, follow these steps:

    1. Dial *770#
    2. Enter option 2 for Tbill4all
    3. Follow the next set of prompts to finish up your purchasing

    NOTE: From as low as 5 Ghana cedis, you can purchase a treasury bill. It’s completely affordable and very easy too.

    The Tbill4all service is a collaboration between Ecobank and MTN Mobile Money. However, one does not need to have an account with Ecobank to access this feature as everything is hosted on the MTN mobile money platform.

  • 5 Ways To Use MTN Mobile Money Like a Boss

    5 Ways To Use MTN Mobile Money Like a Boss

    In today’s world where technology is taking over everything including finance and jobs, the least one could do is to show off their inclination to technology.

    Today, mobile money is the new cash in the Ghanaian economy. Almost everyone in Ghana has a mobile money account.

    However, most of such people don’t know of how best to utilize their mobile money wallets to solve some daily problems without having to move from place to place thus, doing things as a boss.

    In this article, we take you through some 5 transactions you can do on your MTN Mobile money wallet while you move about town, feeling like a Boss! You may already have had some knowledge about this but I’m sure you’ll certainly see something new here.

    1. Loan Services

    With MTN Mobile money, loan acquisition has become a lot easier and less stressful as you can acquire loans up to 1,000 GHS from the comfort of your home through your mobile money wallet.

    Recently, there has been the Ahomka Loan from MTN. You should check it out.

    Treasury Bills

    With MTN mobile money, your investment has been made a lot more easier and safer as you don’t have to carry your hard cash to the banking institutions and more for payment into your investment accounts. You can invest in Treasury Bills on Mobile Money that from your phone, in the comfort of your couch while sipping on some chilled sobolo.

    Pension and Investment Scheme

    The desire of everyone in the world is to be able to go on retirement and live the dream life they’ve always hoped for themselves. With your MTN mobile money, this could be a reality for anyone and everyone without so much hustle. You get one of the realest returns on investment for your pension benefits and also, there is a part of the money that you can withdraw yearly to cater for your everyday needs while the other part also grows in your investment account.

    Bill Payment

    The stressful wait in long queues and the hectic trudging through tight traffic to make payments to your service providers including NHIS, ECG, Water Company, Telecom networks and others has come to an end. All thanks to MTN Mobile money, you can make payments for all your subscriptions through your mobile phone without any much hustle. And you get to save yourself sometime to get some more cedis or perhaps, spend time with your loved ones.

    Bank Deposit

    One thing I’ve always dreaded is the pain of traveling all the way to my bank just to deposit money into my account.

    What even annoys me is the fact that everyone looks at you as if you’ve come to take billions of cedis. And you know how it feels when everyone thinks you have it, yet you don’t?

    Yes, thankfully, if you’re like me, you have been saved by MTN Mobile money. You can make deposits into your bank account so easily without any hustle and you get notified when the money hits your account. Isn’t it so interesting?

    Read: How To Deposit Money Into Bank Account Through MTN Mobile Money

    Conclusion

    MTN Mobile Money has indeed made life way easier for us all as we do not have to combine the stress of our workload with some daily activities including those listed above. Kindly explore your MTN Mobile Money portal for other beautiful offers and services.  

  • Understanding Digital Health: How long do you spend on your phone?

    Understanding Digital Health: How long do you spend on your phone?

    It’s 5:30 am, my alarm just went off, I stop the alarm and use my phone for a good 30 minutes before getting out of bed or even praying. I spend a huge portion of my time on my phone doing research, playing video games and interacting with people. At times, I feel like I spend too much time on it and try to limit it.

    There are many other people who think in the same way and want to reduce the amount of time spent on their phones.  Thankfully there are many apps that can help us manage our time.

    Digital wellbeing is a system application built into android versions 9 and above. The fact that it is a system app means it has more control than a third party application. Upon booting up a new phone, there is the option to set the maximum number of hours to be spent on the phone.

    There’s also an option to set the preferred number of applications for each specific app as well so if it’s just social media, the maximum number of hours can be set for it. When the set time is reached, the phone goes into total lockdown but it also gives the option to get more time specifically 15 minutes more or unlimited use for the rest of the day.

    Doing this for every application used is really stressful and annoying so the goal is achieved. The number of hours spent on the phone each day is recorded for each application and then summed up in a weekly report.  Everyone concerned about their phone time should set it up and the results would amaze you.

    Flipd, a freemium app which locks down the phone entirely for a set time is. Unlike Digital wellbeing, Flipd blocks all non-essential apps for a set amount of time to help to focus on life but allows you to make calls, send messages, use Google maps and calculator.

    The time options include 30 minutes, 1 hour, 4 hours, 8 hours and 12 hours to allows maximum control. There’s a light option for those who believe in their self-control which creates a page on your phone. If another application is opened, the session is also closed.

    For 190 cedis a year, Flipd provides weekly reports about your stats and keeps the for further reference.  I find it useful to Flipd my phone when I’m about to study and it really helps. When I use Flipd with digital wellbeing, I realized I spent less time on my phone and it really helped.

    If a game or social media app is taking too much time, Freedom is here to help. It is available on the iPhone and it allows you to create blocklists of applications and even schedule the blocklists. The block lists and schedules can be shared among your iPad and Mac. Sadly, it isn’t free, all features are available for a monthly fee of 35-40 cedis a month.

    As our phones take a more central role in our lives, it is necessary to make sure they don’t end up controlling us and these apps do just that.

  • How To Setup 2 Factor-Authentication (2FA) On Your Facebook Account

    How To Setup 2 Factor-Authentication (2FA) On Your Facebook Account

    Second Factor Authentication also is known as 2 Factor Authentication or 2FA is a security system used by websites and applications to ensure that users provide at least 2 evidence of ownership before they are allowed access to their accounts.

    To set up two-factor authentication on your account, go through the following processes:

    1. Go to settings and privacy on your Facebook app or Facebook webpage.

    2. Select Settings

    3. Locate Security And Login under the security heading.

    4. Click on it

    5. Under Two-Factor Authentication, click on “Use Two-Factor Authentication”.

    6. Click on Turn on

    7. Select Your Preferred Method (Mobile Phone or Email.)

    8. Write your mobile number and confirm.

    9. Dial the code sent to your phone for confirmation

    10. You’ll be required to enter your current password for confirmation.

    11. Your 2FA is setup.

    Note: Setting up 2FA requires some level of precision. Be sure to select a method more appropriate to you. Select a method you’re sure of getting regular access to. If you chose text message as your verification method, be sure that the number you used will always be available. Because anytime you have to log in, you’ll need that number for verification.

  • WhatsApp Down! Users across Ghana and Nigeria reporting issues

    WhatsApp Down! Users across Ghana and Nigeria reporting issues

    Multiple users in Ghana and Nigeria have reported that they are unable to send and receive images, videos and voice notes on the popular messaging app.

    Although stickers can be sent, they still need to be downloaded if the receiving party does not already have it and this seems not to work there.

    First reports of the downtime emerged around 11:50 GMT. Text messages and status, however, appear to work very fine.

    Many people had thought it was an issue with their service providers as countries in West Africa had experienced internet slowdowns earlier in the week.

    On Twitter, #WhatsAppDown has started trending, with many users sharing memes about the outage.

    Similar issues have been reported in Europe as well as India and other parts of Asia. It is still unknown when the issue will be resolved.

     

  • How to get free unlimited Udemy online courses before January 31st 2020

    How to get free unlimited Udemy online courses before January 31st 2020

    The Ghana Library Authority with support from the Commonwealth of Learning is offering a full scholarship for 1000 Ghanaians to enrol on Udemy Online learning platform.

    Courses available for enrolment include Data Science, Cloud Computing, Project Management, IT Operations, Graphic Designing, Finance & Accounting, Human Resource, Leadership & Management, Office Productivity, Marketing, Sales, etc.

    Interested applicants should log on to www.ghanalibrary.org/Read2Skill to apply.

    Other commonwealth countries to benefit from this scholarship opportunity include:

    • Kenya
    • Rwanda
    • Bangladesh

    The courses will be offered on the digital learning platform called Udemy. The objective of the course is:

    • To provide a platform for self-paced learning for skill enhancement
    • To build the human capital capacity of the target group to use remote learning
    • To prepare candidates for the job market or for self-employment

    The Benefits of Read2Skill Scholarship are:

    • Tution Free
    • Certification
    • Mentorship Support
    • Unlimited number of courses
    • Online learning

    For more enquiries, contact info@ghanalibrary.

    Frequently Asked Questions

    What is Read2skill?

    Read2Skill is an online learning project by the Ghana Library Authority (GhLA) in collaboration with the Commonwealth of Learning (CoL) to offer opportunities for Ghanaians to acquire new skills through online learning on Udemy.

    What is Udemy?

    Udemy is an online learning and teaching marketplace with over 100,000 courses in a vast range of subjects.

    What is Commonwealth of Learning?

    Commonwealth of Learning (CoL) is the world’s only intergovernmental organization solely concerned with the promotion and development of distance education and open learning. It is hosted by the Government of Canada and headquartered in Burnaby, Canada.

    How many courses are available?

    The subject areas include Data Science, Cloud Computing, Project Management, IT Operations, Design, Finance and Accounting, Human Resource, Leadership and Management, Office Productivity, Marketing and Sales and many others.

    How can I apply?

    You can apply online via www.ghanalibrary.org/read2skill. You can visit any of our Regional Libraries across the country and also be assisted by our Read2Skill Coordinators.

    Who qualifies?

    Any Ghanaian above 15 who wants to acquire skills through online learning. They include but not limited to:

    • Unemployed graduates in search of skills
    • Informal and formal sector employees
    • Professionals
    • High school graduates
    • University students
  • How much does it cost to build and own a website in Ghana?

    How much does it cost to build and own a website in Ghana?

    As a small business owner who wants to expand, you might be thinking of how much website design costs in Ghana. Having a professional website that you are proud of and which accurately reflects your brand is one of the most important aspects of any business, especially in this time and age when all of your potential customers are online.

    Research has even suggested that having a website for your business in Ghana can increase turnover by around 45%. Despite this, it is estimated that around 70% of Ghanaian businesses still don’t have one.

    It is thought that as many as 81% of people conduct research online before purchasing a product.

    To own a website in Ghana, there are some key features you must consider. The Domain Name and Hosting, Web Design and Development and Web Maintenance.

    With the above factors, there are others that are further influenced by the specific needs of the company or individual. Different factors come into play if you want to:

    • Build a new website
    • Redesign an existing website or
    • Improve and enhance an existing website.

    The method to achieve this website must also be considered. Whether you are going to get a Freelancer, Website design Company or you want to do it all by yourself.

    With building a website in Ghana, one must at least have a budget of between GHS 500 and GHC 3000 per year at hand since the budget you will be using depends on the kind of website you wish to build for your business.

    Before we start, let’s consider some cost factors which you can’t do without that is if you’re serious about owning your website and not a free website that sits on a subdomain or which you don’t have much control over.

    Domain Name

    The domain name is the first step you must take in setting up a website since it is your website name. It can also be referred to like your website address or URL. This is usually www.yourdomain.com and it’s a way to uniquely identify your website as a resource on the internet. Since you are creating a website for a business in Ghana, it will be advisable to choose a domain ending with .com.gh. however, the usual .com should work just fine.

    The kind of business you are operating will determine the way you should choose your domain ending. Most business will be fine with “.com” whereas non-profit organizations would aim at “.org”. There are times that the desired “.com” domain is already taken by someone and the preferred alternative is to choose a country level domain e.g. “.com.gh” or a different name. Choosing the right domain is a whole focus on its own and probably deserves a post on its own.

    Some known websites to get cheap and affordable domains are MyHostAfrica, GoDaddy and Namecheap. Registering a domain name ending with .com or .org in the above mention registrars here in Ghana cost around GHC 50 – GHC 85 a year. Knowing this, you can go straight to purchase your website domain or a web or you can pay a web designer to purchase on your behalf. If you are purchasing yourself, then you must note that both Namesake and GoDaddy offers discount for a registered domain above 3 years or more which is seen in the checkout.

    Web Hosting

    In completing a website, it needs to be published on the internet for it to be located across the globe. The webspace which is a related software you to run one’s website smoothly is provided to you by an ISP or a Web hosting company and that is what is referred to as the Web Hosting. And usually comes at a cost per month.

    The cost of starting a personal blog or a website for your business should be less than GHS 1000 per year. You must target getting more visitors to your site as that is what you would normally want.

    Most web hosting companies will let you upgrade your hosting plan when your visitors increase. So, it’s advisable to start with a simple plan which cost less, then work hard on your website then upgrade later.

    There are both paid and free web hosting servers on the web but note that, it is better to get a good web hosting than to get a free or cheaper one which will later harm your website. At least you must pay GHS 500 a year on a good web hosting.

    You must also know the needs of your website before getting your hosting because not any kind of web hosting provider can support your website. Windows hosting or Linux hosting with Email hosting support must be your preference. VPS and Dedicated Hosting and support for SSL can all get web hosting to be simpler.

    Design and development of the website

    There are website publishing platforms that allow you to design and publish your website by yourself when you subscribe. I will recommend Squarespace, Wix, Weebly, Webflow, Shopify, Format, etc. since they provide easy platforms to use, drag and drop with sophisticated features to build a desirable website.

    Acquiring the user’s attention is key. Once you have a visitor on your site, it’s crucial that you keep their attention. If you lose it, your visitor will leave your site and you’ll miss out on a new sale. Therefore, attention must be taken seriously when creating websites for your business. It is advisable to allow a skilled web agency to get into this part for you so that you can get better coverage and with around GHC 100 – GHC 1000, you might be able to have an interesting designing and building for your website needs here in Ghana.

    Website Maintenance

    Another major cost to consider which is often overlooked is the ongoing maintenance costs. People usually would want to get a website, pay for it and watch the magic happens. But it doesn’t work that way all the time. You’ll have to spend some considerable amount of time, budget and effort to really make a return on your website.

    The web agencies in web maintenance are responsible for making your website continuosly look good. They add pictures, articles, products, update software’s and also monitor your websites for security issues. In all, the role of web design and development companies offer web support services.

    Ideally, the website usage statics and feedback from users should be considered and appropriate measures are taken to improve upon the website or by removing sections that stand in the way of users. You must budget around GHC 500 for better website maintenance services each year.

    How much does it cost to build and maintain a website in Ghana?

    In Ghana, depending on your needs, building your website can cost anywhere between GHS 100 and GHS 3000. If you need a feature-rich, custom-built website, it can go as high as GHS 10,000 or more. To build a small website, you’ll need to have a budget for the domain name and web hosting.

    Here is a table of some very common websites in Ghana and how much they would usually go for.

    Type of Website (Basic) Price (Annual)
    Personal Blog (Free WordPress Theme) GHS 400 to GHS 700
    A Child-Care Organisation (NGO) GHS 800 to GHS 1600
    Dental Clinic (With Appointment Form) GHS 1000 to GHS 1600
    One Page Website (Startups and New Businesses) GHS 700 to GHS 1200
    New Restaurant (With Ecommerce) GHS 1500 to GHS 3000
    Building Construction Company GHS 1000 to GHS 1600
    Law Firm (With appointment form) GHS 1200 to GHS 2200

    Conclusion

    Prices may differ (decrease or increase) depending on the specific needs of your website.

    You should always contact an expert for advice on your website and if you need help building one, send an email to [email protected] and we will link you to one of the tens of designers we have worked with depending on your needs.

  • 2019 WAEC Ghana Result Checker: Nov/Dec Results are Out

    2019 WAEC Ghana Result Checker: Nov/Dec Results are Out

    2019 WAEC Ghana Result Checker – The West Africa Examination Council, WAEC has released the 2019 November/December West African Senior School Certificate Examination (WASSCE) results online.

    Is the NOV/DEC 2019 Wassce Private Result out?

    Yes. The West African Examination Council on Tuesday, 19th November 2019, released the provisional results for the 2019 WASSCE Private exams, also known as the NOV/DEC.

    The NOV/DEC Results 2019 is now available on the WAEC Site.

    How to get your NOV/DEC Results Checker PIN

    We are running a special offer for all those who want the PIN to be sent directly to their phones via SMS or WhatsApp.

    We are giving out the NOV/DEC Pin for just GHS 17. Please be careful not to get scammed by people who pretend to have the card and sell to you fake ones.

    You will need to send Mobile Money of GHS 17 to 0535462067 and contact 0535462067 via  WhatsApp to receive your Pin Instantly.

    For enquiries or questions enquiries, call 0535462067 Please don’t call the payment line on WhatsApp.

    How to Check your NOV/DEC Results 2019 with a PIN

    Here is how to check WAEC results online. This method works on both computers and phones. You need to connect your PC or your mobile phone with any internet network connection.

    Please don’t use Opera Mini for these steps.

    Follow the step by step instructions given below, if you get stuck, WhatsApp IKE on 0535462067  or For enquiries and questions enquiries, call 0535462067.

    Here is how to check your NOV/DEC results without a Scratch Code:

    1. Use a recommended browser, preferably Google Chrome and visit ghana.waecdirect.org
    2. On the next screen, enter your 10 Index Number: Eg: 0070202043
    3. Enter your WAEC exam year of completion. Eg: 2019
    4. Enter the exam type you sat for. Eg: WASSCE Private 2019
    5. Enter your date of birth
    6. Now, you will need to enter your 10 Digit Pin here. Enter the secret Pin.
    7. Enter your serial code, starting with WGR
    8. Submit your personal information and patiently wait for your results.

    Check your NOV/DEC Results 2019 with a Scratch Card

    If you already have a scratch card and would not prefer the PIN Method (which is more convenient), then this is how to use the scratch card to check your results.

    1. Visit the Waec Result Checker Online Portal via the link below;
      http://ghana.waecdirect.org
    2. Enter your Index Number.
    3. Select the Type of Examination (e.g. NOV/DEC).
    4. Select your Examination Year eg. 2003.
    5. Enter the Card Serial Number found on the reverse side of your Scratch card.
    6. Enter the 12-digit Personal Identification Number (PIN) on your Scratch card eg. 012345678912.
    7. Confirm your Index Number and Examination Year. This is to ensure that your examination information is correct.
    8. Click on Submit and wait for the display in the popup window. This may take several seconds.

    Check your NOV/DEC Results 2019 with a Scratch Card

    If you already have a scratch card and would not prefer the PIN Method (which is more convenient), then this is how to use the scratch card to check your results.

    1. Visit the Waec Result Checker Online Portal via the link below;
      http://ghana.waecdirect.org
    2. Enter your Index Number.
    3. Select the Type of Examination (e.g. Wassce Private).
    4. Select your Examination Year eg. 2019.
    5. Enter the Card Serial Number found on the reverse side of your Scratch card.
    6. Enter the 12-digit Personal Identification Number (PIN) on your Scratch card eg. 012345678912.
    7. Confirm your Index Number and Examination Year. This is to ensure that your examination information is correct.
    8. Click on Submit and wait for the display in the popup window. This may take several seconds.

    For enquiries or questions enquiries, call 0555475811 or send a WhatsApp message.

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  • Blogging Ghana presents the #BloggingMarathon2019 Competition

    Blogging Ghana presents the #BloggingMarathon2019 Competition

    As part, of the upcoming Blogging and Social Media Awards, Blogging Ghana is calling on all writers to put pen to paper and show their skills.

    All writer/bloggers can participate in the Blogging Marathon by following the following steps:

    1. Write and an original article on any one of the following topics:
      1. Practical ways Ghana can ditch single-use plastics
      2. 5 ways to encourage Ghanaians to consume locally made in Ghana products
    2. Properly source and reference any photo or video contents if you don’t have the rights to them
    3. Publish the article on any blogging platform or under your own blog (Eg: Blogger, Tumblr, WordPress or hosted domain)
    4. Share the published article on Twitter and Facebook and tag BloggingGhana

    The deadline for submission is 30th October 2019.