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As the year comes to an end, there are certain people you need to avoid for you to be mentally sound. And though it is difficult to identify them you have to rely on your instincts in order to fish them out. So here are some types of people to avoid (you should be on a lookout for) as the year comes to an end:

Manipulative People

A manipulative person may disguise as a great friend who has your interest at heart. They make it difficult to see their true intention. They try to manipulate us into doing their bidding but in a subtle way. All the information they have about you is used to coerce you into doing things for them.

One way to identify manipulators is that they always want to receive without giving in return.

Gossip Mongers

There is a saying that goes like this ‘if nobody talks about you, then you are nobody’. While this is true, you have to tread very carefully regarding this issue. I know we can’t avoid gossip mongers but we can control what they say around us. Because though it seems as if they are bringing you up to date with the happenings in people’s lives, they are most likely talking about you to others as well.

Critics

It is ok to have people go through your work or happenings in your life and give you honest feedback, But there should be a limit to how you assimilate this feedbacks. There are some people who in the guise of giving your feedback run you down with their negativities. They criticize all you do and make you feel less than you are or worthless.

Critics will always judge you and make you feel that you are not enough. For you to be mentally healthy, you have to avoid them.

Self-Absorbed People

You need to have a healthy dose of self-esteem but it becomes too much when all you think of is yourself. If you are around self-absorbed people, you will be drained not only emotionally but physically as well. Because they do things that are beneficial to themselves only.

You have to learn how to stand up for yourself when you are around self-absorbed people.

Lazy People

It is ok to take a break, put your feet up when you are tired. But when you are around those who put their feet up after doing practically nothing, it can be contagious. So be careful around people who laze around as you may end up doing their tasks to the detriment of your progress. If that is not bad enough, they will take the credit for the work done.

Envious People

It is ok to be competitive but you have to be careful not to cross over and become envious. As envious people are not easily satisfied which leads them to measure their growth and that of others by materialistic standards.

If you spend too much time with envious people you will realize that they can do anything to make sure nobody is better than them.

Needy

We all have needs but it’s wise for us to prioritise on the pressing ones. But you have to be careful around people who are continually in need. These people are constantly asking for things and they don’t consider others who are in need. You have to avoid these sets of people as they can be draining.

Dementors

Dementors are highly negative people who suck the life out of any gathering they set into. They have this negative air around them which makes people uncomfortable around them. You have to avoid these set of people at all cost.

Insecure People

Insecurity and the lack of trust is the root cause of relationships failing these days. Insecure people do  not believe in themselves. If you are not careful, they can pull you back from your focus in life.

These set of people don’t believe in their self-growth but look for ways of destroying other people’s reputation.

You can also check out How to Make Better Decisions in Your Life.

Getting a phone of the best quality while on a budget can sometimes be quite a daunting task. Today, the market has been saturated with these tech devices, making it extremely difficult for you to actually get your money’s worth if you don’t know the specifics of a phone and how it functions.
Today I bring to you the best smartphones you can get for under N100,000.


1. Samsung Galaxy A22

The Samsung Galaxy A22’s price begins at N90,000 with 4GB RAM and 64GB storage. 

The 6.4-inch HD, 90 Hz Super AMOLED display is supplied by Samsung Galaxy A22. It’s equipped with a 48MP, 8MP, a 2MP macro and a 2MP macro four-player rear camera. In front, there is a 13MP camera in the U-top position.

It is compatible with the MediaTekHelio G80, which has a 2.0-GHz CPU and is fitted with an MC2 GPU Arm Mali-G52. It comes in two ways: 4GB RAM + 64GB and 6GB RAM + 128GB of storage.

The 5,000mAh battery with a quick charge of 15W is powered by the Galaxy A22. It runs Android 11 off the box with one interface. For added security and many connectivity options, there is a side-mounted fingerprint scanner.

This device’s camera has OIS and it’s the cheapest OIS device so far. The display quality of the device is quite good when you have a good camera and a good chipset.


2. Infinix Note 10

The FHD+ 6.97″ IPS LCD display is provided without a higher rate of refreshment. It has a 64MP, 2MP macro and 2MP macro setup triple rear camera. In the top-left corner, it has a 16MP camera with a punch hole.

It has a 2.0 GHz CPU and uses an Arm Mali-G52 MC2 GPU. Its MediaTek chipset is the Helio G85. It comes in a 4GB RAM + 64GB single storage option, which can be extended with a MicroSD card.

This device is powered by an 18W fast-charge battery of 5000mAh. For added security and many connectivity options, there is a side-mounted fingerprint scanner. The device is worth N85000.
The big display, lovely chipset, and camera are the three things you would love about this device. If you like big-screen devices, you’ll want to buy one.


3. Tecno Camon 17p

The Tecno Camon 17P price is currently 91,000 naira. It has a 6GB RAM and a storage of 128GB. It has a smaller display screen, larger RAM and an internal storage device than the Infinix Note 10 above.


The Tecno Camon 17P is equipped with a 6.8-inch FHD+, a high refresh rate IPS LCD screen. It has a 64MP headphone, a 2MP macro and a 2MP depth sensor on the rear. It has a 16MP camera for selfies on the front.

Like the above, the Camon 17P is also equipped with a MediaTekHelio G85 with a 2.0GHz CPU and a Mali-G52 MC2 GPU arm.

It has a 5,000mAh fast-charging battery. It works with Android 11 and HiOS 7 software out of the box. The fingerprint scanner is mounted behind for additional security and has many connectivity options.

A few things you will love: the 64MP camera, storage, RAM, and the right chipset. If you have a tight budget, this definitely would be a good buy.


4. Xiaomi Red Note 10 5G


For 4GB of RAM and 64GB, the Redmi Note 10 5G price begins at N93000 with higher storage models going for N110000.

The Xiaomi Redmi Note 10 5G has a 6.5-inch FHD+ IPS 90Hz LCD display. It has three back photographs; a 48MP camera, a 5MP macro and a 2MP sensor depth. It has an 8MP selfie camera on the front.

This device has the best chipset to date on the list. It uses a 700MHz MediaTek chipset with a 2.2GHz CPU speed and a Mali-G57MC2 GPU arm.
The Redmi Note 10 5G comes with a fast 18W battery of 5000mAh.

Android 11 and MIUI 12 software are running out of the box. For additional security, the fingerprint scanner is mounted sideways and also offers many connectivity options.

For these reasons, you might really want to purchase this device; 5G, improved GPU chipset, good cameras capable of recording 4K videos.


5. Nokia 5.4


The Nokia 5.4 which is worth N90000 comes with a 6.39-inch display, which allows users to have a lasting feel. It operates on the Android 10 operating system where you get 3 years of constant updates. It also works with the Qualcomm Snapdragon 662 that you can count on.

It lasts for an entire 2 days, with a quick 10W charge. The battery life is pretty great. Four rear cameras and a 16MP selfie camera are also great for your camera.

It comes with 4GB RAM and 128GB ROM and the microSD is also expandable to up to 512GB.


6. Infinix Note 8i

Infinix Note 8i is another product of Infinix in the list of the best Nigerian phones under N100 000. It is the smaller version of the Note 8 Infinix and it is worth N80000. It is supported by a Gorilla Glass protected display of 6.78 inches and runs on MediatekHelio G80.

It has an 8MP front and a quad-rear camera. The Note 8i includes a microSD and 128GB of ROM storage and 4GB of RAM. The capacity of the battery is good too.

Check out Best Cheap Smartphones You Can Get for Under N50,000

African footballers are among the highest-paid athletes in Africa. When discussing the richest footballers in Africa and their net worth, we take into consideration earnings from salaries, prize money, investments and endorsement deals.

So, who is Africa’s wealthiest footballers? Here is a detailed list below

#1 Samuel Eto’o

Sorry Luis Suarez... Samuel Eto'o is Barcelona's greatest ever number nine

Citizenship: Cameroonian
Role: Striker
Net worth estimate: $95million
Awards: He is a four-time winner of the African Player of the Year award, having won it in 2003, 2004, 2005, and 2010. He is the most decorated African player of all time. Eto’o retires as Cameroon’s all-time leading scorer, among other achievements.
Goal history: 426goals

At the age of 11, Samuel Etoo, a striker, entered the Kadji Sports Academy. He trained there from 1992 to 1996 before moving to a French soccer club, but he was turned down owing to his youth and lack of valid identification.

Eto’o never gave up hope and joined Real Madrid the next year, where he finished his young career. He began his career with Real Madrid (1997–2000).

His net worth is believed to be $95 million. Eto’o drives the most expensive car in the world, a Bugatti Veyron, and is the only African footballer who owns one. A Ferrari, a Bentley, a Lamborghini, a Hummer Jeep, a Porch, and a family bus are all included in the fleet. Almost every member of his nuclear family rides in something enormous, thus he doesn’t buy the wheels for himself alone.

#2 Didier Yves Drogba

Dider drogba net worth

Citizenship: Ivorian
Role:
Striker
Net worth estimate:
$90 million
Award: Chelsea and Galatasaray both received ten trophies (4 FA Cups, 2 League Cups, 2 Community Shields, 1 Champions League, and 1 Turkish Super Cup).  African Footballer of the Year, Ivory Coast Player of the Year, FIFA World Player of the Year, BBC African Footballer of the Year are just a few of the awards he has received.

Drogba’s journey to football began when his parents sent him to live with his uncle, professional footballer Michel Goba. His move from french club Marseille to Chelsea FC in England brought him fame and riches. He possessed talent, trickery, confidence, and technique. He is one of the best players in African football history.

Samsung, Pepsi, Adidas, Nike, and Konami are just a few of the world’s most well-known brands with which Drogba has collaborated. From 2006 until his retirement from the Ivory Coast national team in 2014, Didier Drogba captained the Ivory Coast, national team. He is the nation’s all time highest goalscorer with 65 goals from 105 appearances.

#3 Yaya Toure

Richest African footballer - Yaya Toure Net worth

Citizenship: Ivorian
Role:
Midfielder
Net worth estimate:
$70 million
Awards: Yaya has won the African Footballer of the Year award four times and the BBC African Footballer of the Year award twice, all of which were voted on by the public. He’s also been named to the PFA Team of the Year on two occasions.

For the years 2011, 2012, 2013, and 2014, Yaya Touré was named African Footballer of the Year. Manchester paid him £250,000 per week, and his endorsements netted him $21.7 million.

Forbes estimates his personal investment to be $46.4 million, and his overall net worth to be $70 million, making him one of Africa’s wealthiest footballers. Yaya Toure has always been a devotee of high-end automobiles and houses. He has Porsche 911, Mercedes Benz, Bentley Continental GT, and Porsche Cayenne in the past.

#4 Mohamed Salah

Mohammed-salah African footballer

Citizenship: Egyptian
Role:
Forward
Net worth estimate:
$70 million
Awards: Salah has won numerous awards over the years, including the PFA Player of the Year 2018, CAF Most Promising Talent of the Year 2012, Premier League Golden Boot 2017, 2019, African Player of the Year 2018/2019, Premier League Player of the Month 2018, 2019, FWA Footballer of the Year 2018, BBC African Footballer of the Year 2017, and others.

Mohamed Salah, also known as Mo Salah, is without a doubt one of Africa’s most beloved footballers. Salah was born in Egypt on June 15, 1992, and despite having a strong academic background, he chose to pursue his ambition of being a professional football player.

His net worth of $70 million demonstrates his success as a player, as he makes a large weekly wage and has endorsements from big brands such as Adidas, Falken Tyres, Uber, and others.

#5. John Mikel Obi

John mikel net worth

Citizenship: Nigerian
Role:
Midfielder
Net worth estimate:
$60 million
Awards: He has a total of 10 major winners’ medals all at Chelsea: 1 UEFA Champions League 2011–12, 4 FA Cup 2006–12 back to back, 2 Premier League 2009–10, 2014–15, 2 Capital One Cup 2006–07, 2014-15, 1 UEFA Europa League 2012–13. Mikel also won the African Cup of Nations in 2013.

He was born John Michael Nchekwube Obinna, but his name was changed to “Mikel” after a mistake in his name was submitted to FIFA by the Nigerian Football Association in 2013 for a competition in Finland and is still stuck with it.

He has played for Chelsea in the English Premier League and Lyn Oslo in Norway, and is without a doubt one of Africa’s wealthiest footballers. His weekly salary at Tianjin Teda was 140 thousand pounds. Mikel Obi’s home and automobiles are extremely luxurious and pricey.

He also has a Bentley Continental GT (which costs over N35 million), a costly Mercedes G Wagon (#81 million), a beautiful Range Rover Sport (#43 million), and a black Mercedes G 500.
Obi Mikel earns a lot of money not only from football but also from endorsements such as Pepsi and Samsung.

#6. Seydou Keita

Seydou Keita net worth

Citizenship: Mali
Role:
Midfielder
Net worth estimate:
$51 million
Awards: At the 1999 Fifa U-20 World Cup, he was awarded the golden ball as the tournament’s best player. There are 12 major winners’ medals in total, including two Champions League winners.

Seydou Keita is a versatile player who can play as a center midfielder as well as a defensive midfielder on the pitch. He began his professional football career when he was 17 years old. At the age of 20, he represented Mali in the African Cup of Nations games for the seventh time.

In 2012, he joined FC Dalian Aerbin of the Chinese Super League, where he earns €14 million a year. He owns a number of mansions, as well as luxury cars costing millions of dollars and other valuables.

#7. Emmanuel Adebayor

Paraguayan side Olimpia vow to sign Adebayor if club attracts 20,000 new members | Goal.com

Citizenship: Nigerian/ Togolese
Role:
Striker
Net worth estimate:
$45 million
Awards: On the 10th of February 2009, CAF announced Adebayor as the 2008 African Footballer of the Year at an awards ceremony in Lagos, Nigeria. He was the first Togolese footballer to win the African Footballer of the Year award.

Adebayor, a professional footballer, has benefited greatly not only from his successful football career but also through his several contracts with the majority of England’s wealthiest clubs.
In the English Premier League, he played for Arsenal, Manchester City, Tottenham Hotspurs, and Crystal Palace.

The striker earned a reported $268,000 a week while at Manchester City, and by 2015, he had a net worth of $45 million.
With many mansions, supercars, and high-flying private jets, he enjoys a lavish lifestyle.

#8. Michael Essien

Michael Essien | Booking Agent | Talent Roster | MN2S

Citizenship: Ghanaian
Role:
Midfielder
Net worth estimate:
$35 million
Awards: Essien was a key member of Chelsea’s Premier League triumphs in 2006 and 2010, as well as three FA Cups and one League Cup.

Michael Essien is a Ghanaian footballer who has appeared in the champions league and the premier league on numerous occasions. This midfielder has a plethora of houses, high-end automobiles costing millions of dollars, and other valuables.

He played for a number of prestigious European clubs, including Bastia and Lyon in France, Chelsea, Real Madrid, AC Millan, and others. He is currently unemployed and has a net worth of $35 million.

#9. Asamoah Gyan

 Richest Footballers - Asamoah Gyan net worth

Citizenship: Ghanaian
Role:
Striker
Net worth estimate:
$23 million
Awards: CAF Africa’s Finest XI

With an estimated net worth of $23 million, Asamoah Gyan is the eighth richest footballer in Africa on our list of the top ten richest footballers in Africa. This fantastic striker has a plethora of houses, high-end automobiles worth millions of dollars, and other valuables.

His assets include a $3 million McCarthy Hill home and a Rolls Royce valued over $400,000. Asamoah just received a license to run a private airline in Ghana, nicknamed “Baby Jet Airlines.”

#10. Sulley Ali

Sulley Ali Muntari

Citizenship: Ghanaian
Role:
Midfielder
Net worth estimate:
$22 million
Awards: FIFA Ballon d’Or, FIFA World Player of the Year, BBC African Footballer of the Year, African Footballer of the Year, Ivory Coast Player of the Year, FIFA Ballon d’Or, FIFA World Player of the Year

This soccer star has reaped significant rewards not only from his profitable playing career but also from his several contracts with England’s wealthiest clubs. In 2012, he received $7,540,000 from permanent contracts and $8,810,000 from Tottenham Hotspur’s yearly compensation.

While at Manchester City, the striker reportedly earned $268,000 a week and had a net worth of $45 million by 2015.
He lives a wealthy lifestyle, with multiple houses, supercars, and high-flying private jets.

In fact, he is so passionate about automobiles that he owns a car pimping business and drives a Lamborghini Gallardo valued at almost £96,000. In his garage, he has an Escalade, a Mercedes Benz, and a Ferrari.

Check The Highest Paid Footballers in the World

Knowing a few techniques and tips to make your data last longer will help improve your overall cellular experience, especially since cellphones have become one of the most common ways to access the internet nowadays. Low-cost handsets and data plans have undoubtedly contributed to the continuous rise in mobile data usage around the world.

The cost of using mobile data is high. So, how do you keep your bill low while on the go without sacrificing data?

The solution is to use your smartphone wisely to avoid exceeding your mobile internet cap. Use apps, as well as built-in capabilities. These 6 simple yet effective tricks will assist you in reducing data usage and lowering your expenses.

Trick#1. Disable Auto-syncing of Apps.

A lot happens in the background while you’re using your phone. Google Play and Apple’s App Store, for example, check for updates, and your email app searches for new messages. Meanwhile, social networking apps send you notifications; the list goes on and on.

All of this information increases your mobile internet consumption. We’re not even talking about app updates here; we’re just talking about the data they sync. Any software that requires a lot of data on a regular basis is going to cost you money.

How to Disable Android App Syncing

At Settings > Apps & notifications, you can disable some apps that sync. Apps that sync various data, such as your contacts, can be found here. Check the data used for each one, and if it’s too high, touch Data usage, then disable Background data.

This could be quite time consuming, since going through all of your apps could take some time.

How to Disable iPhone App Syncing

You may stop native app synchronization on iOS by going to Settings > [Your name] > iCloud. Now all you have to do is tap each service you don’t want to sync.

Almost all apps that require constant syncing have settings that allow you to control how data syncs. If you can’t find the appropriate setting, you can also disable mobile internet.

Trick #2. Turn Off Automatic App Upgrades on Mobile Devices.

The automatic app update feature on your phone is another significant data hog. Apps are always ‘On’ by default, and they update themselves whenever a new version is released. Your apps will be updated whether you’re connected through wifi or mobile data.

The automated app function can be annoying since it gives you the impression that you have no control over your mobile data usage. Follow these steps to take control of your mobile data and make it last longer:

Android

Step 1: Go to your Google Play Store app

Step 2: On the top-left corner of the screen, click the three horizontal lines.

Step 3: Select Settings.

Step 4: Choose Auto-update apps.

Step 5: Select Do not auto-update apps to turn off automatic app updates.

Step 6: To minimize needless cellular data charges, you can choose Only get updates over Wi-Fi.

iOS

Step 1: Go to the App Store.

Step 2: On the bottom right of the screen, tap the three horizontal dots icon.

Step 3: Go to the Settings menu.

Step 4: Toggle the switch next to Update apps automatically to turn off.

Step 5: Instead, enable Only get updates over Wi-Fi to avoid ridiculous cellular data charges.

Trick #3. Reduce the Speed of Your Mobile Internet

The majority of today’s high-end mobile devices can be set to 3G, 4G, or 5G internet. This allows for rates that are much quicker than most home internet connections.

However, faster speeds mean you’ll burn up your mobile data allocation faster.

Downgrading to 3G is another option to save money on mobile data. Because of the various manufacturer skins and carrier constraints, Android devices can be difficult to operate, although it is possible:

Android

Step 1: Navigate to Network & Internet in the Settings menu.

Step 2: Select Mobile network > Advanced from the drop-down menu.

Step 3: Select your preferred network type.

Step 4: Choose whether to use 3G only or 3G/2G (preferred).

iOS

Step 1: Navigate to Settings > Mobile Data > Mobile Data Options.

Step 2:Choose Voice & Data 

Step 3: Select 3G or LTE Off

Trick #4. Apps that Compress Data are a Good Choice.

Data compression technology is used by a variety of apps to reduce data usage. Some of them you may already be using without realizing it.

Google Chrome

Google Chrome should be at the top of your list. Chrome offers a built-in data-saving function, regardless of how you feel about Google. Tap Settings > Data Saver > Use Data Saver to enable it.

Opera Mini

Data saving is enabled by default in Opera Mini, which is accessible from the app’s main menu. Unlike Chrome, you may change the quality of web page images and other data-saving capabilities.

Trick #5. Push Email Should be Avoided.

Your device is always looking for new messages when you utilize push email.

Trick #6. When Feasible, Use Wi-Fi.

When it comes to saving cellular data, there is a simple rule: if there is Wi-Fi, use it. You’ll almost certainly have Wi-Fi access at both home and work. Public Wi-Fi is available in many public venues, including parks, supermarkets, and department shops. If you make it a practice to check when you’re in a new place, you’ll see a significant reduction in your cellular data usage.

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Bank USSD Codes for money transfer is one innovation that has revolutionised banking business and services in Nigeria. The advent of the Global System Mobile Communications (GSM) ushered in the adoption of the Unstructured Supplementary Service Data (USSD). This service ‘session’ has been adopted by financial institutions so that customers using feature phones can easily embark on financial transactions. And this is a major advantage of using the USSD service.

Although there were no charges for using this service previously, the federal government of Nigeria recently introduced a service fee of ₦6.98 for Nigerians using the platform. Nevertheless, Nigerians are still using the platform when need be because sometimes, it is easier and faster. Meanwhile, it must be noted that there is a cap limit to the amount of transfers a customer can make while using USSD. However, the limit varies across the various banks.   

Interestingly, using the USSD platform comes with its perks. Just like online banking, you can buy data, recharge cards, pay bills and embark on various financial transactions from the comfort of wherever you might be without stressing yourself. It must be noted that USSD transfers tend to come with service charges and they vary from bank to bank.

Also, you incur charges when you transfer money to an account within your bank and likewise outside your bank. And you can only use the phone number which you used in registering your account with the bank. Although a piece had been written before on the various USSD codes used by various banks in Nigeria, this article is set to update it.

Access Bank

For users of Access Bank, dial *901*Amount*Account Number. For instance, *901*25000*0816286947# from the registered phone number attached to your account. Then ensure your authenticate the transfer by inputing the last 4 numbers of your BVN which you alone must know.

If you want to transfer money to other accounts in different banks, dial *901*2*Amount*Account Number#. This transactions incurs a service fee of ₦80 only.

Ecobank


From your registered number, enter *326#, further dial the account number of the receiving account and then choose the bank of the recipient. Ensure you confirm that the details of the receiver tallies with what you have then when you are sure, authenticate the transaction by putting your 4 digit secret pin.

Fidelity Bank


Simply dial *770*Account Number*Amount#. Identify the bank which the money is going to and input your secret pin. Service charge for both inter an intra bank is ₦50.

First Bank


Just dial *894*Amount*Account Number#, pick the bank, confirm the amount you are sending and the name of the recipient then input your 4 secret pin, thereafter, you identify the account to be debited. The amount charged for transferring to other banks is ₦52.

First City Monument Bank (FCMB)

From the number you used in registering at the bank and which is linked to your account, dial *329*Amount*Account Number#.

Guaranty Trust Bank (GTB)


To transfer with your GTB USSD, dial *737# from the registered number attached to your account and follow the prompt carefully. There is a service fee, which the bank charges. ₦20 for intra bank transaction ₦25 for interbank transactions.

Heritage Bank


Dial *322*030*Account Number* Amount. Then identify the bank the money is being transferred to and the name of the account holder and type either the last 4 numbers at the back of your MasterCard or the 4 digit pin you created for USSD transactions.

Polaris Bank


To transfer money from your Polaris account to another account, type *833*Amount*Account Number# and simply follow the instructions. However service charges vary, while intrabank transfers cost ₦20 interbank cost ₦52.

Stanbic IBTC


To transfer within the bank, simply dial *909*11*Amount*Account Number#. But if it’s to another bank dial *909*22*Amount*Account Number#. Although the bank does not charge for intra bank transactions, it charges ₦52.50 for interbank transactions.

Sterling Bank


For users of this bank, you can transfer between ₦100,000 and ₦500,000. However, ₦500,000 is the maximum. To use this service on your phone and transfer to another Sterling Bank account dial *822*4*Amount*Account Number# follow the prompts and make your transaction. If you are sending the money to another account dial *822# pick the menu option that says transfer to other banks and carry out your transaction.

United Bank for Africa (UBA)


Regardless of the account you are sending money to be it a UBA account or another bank, UBA charges ₦70 as service fee. To use the USSD platform on your phone, dial *919*3*Account Number*Amount#. If you ae sure of the name and the account that pops up enter your four digit pin and make the transaction.

Union Bank of Nigeria


Simply dial *826*1*Amount*Account Number# and then follow the prompt to send money to a Union Bank account. But if you are sending to another bank simply dial *826*2*Amount*Account Number# and then follow the prompt. Perhaps you want to increase the limit of your financial transactions dial *826*8# and follow the prompt. For interbank services the bank charges ₦52.50, while sending money to Union Bank accounts are free.

Wema Bank

To use Wema bank’s USSD, dial *945# and follow the prompt religiously. However a service fee of ₦21 is charged for transfers within the bank and ₦52 to accounts outside the bank is charged for using USSD. Although the daily limit for USSD transfer is ₦20,000 it can be increased by visiting the bank for USSD transfer increment.

 

Zenith Bank

 

To transfer money to another person, regardless of bank, simply dial *966# and follow the prompt. Although there are no charges for intrabank transactions, there are charges for interbank transactions.

USSD codes for money transfer has come to become a mainstay in retail banking in Nigeria and it is one of the easiest means of embarking on financial transactions. People with smart phones opt to use USSD when they either have poor internet network or have no internet data to use internet banking. Financial institutions upon realizing that people are using USSD more are improving the services USSD will provide so that people will be comfortable using the platform for their financial transaction.

In the world we live in today, we are constantly faced with certain challenges and obstacles, sometimes these obstacles may come in form of certain individuals looking to pull you down or to stop or discourage you from achieving life’s plan for you. It is up to you however, to decide the next actions to take, as deciding to stay focused and dedicated to your cause, can only bring you success and those who never believed in you watch as you establish yourself among men.


Below I bring to you 7 people who succeeded when no one was ready to encourage them or believe in them. I hope you get your determination from this piece. They are listed in no particular order:


1. Thomas Edison

Thomas Edison was even told by an inventor who knew of his many failures well before his achievements that he was “too stupid to learn anything.” However, everyone knows the name of the man responsible for the lightbulb’s invention even if 1,001 attempts were needed. His insistence on this special invention clearly reflects his positive statement, “I have not failed 10,000 times, I have succeeded in finding 10,000 ways which will not be successful.”
It is clear from his journey that this inventor was determined not to let himself down by the dissuasion of others. He showed that disappointments and disbelief in you by others can sometimes be disguised as the push you have to push yourself to higher heights.



2. Walt Disney


Even a rough patch hit the head of the largest animated empire in the world. He was fired from the Kansas City Star in 1919 because, according to his editor, “he lacked imagination and had no good ideas.” Walt Disney is today an entertainment and diversified multinational mass media conglomerate that has more than $350 billion in market cap. It goes without saying that Walt is among the elite names when you enter the world of entertainment and the media.


Today, we enjoy popular entertainment like Mickey Mouse, Peter Pan, and Alice in Wonderland, to name just a few. We can also use the Disney platform for streaming services. Thank you very much to him for laying the foundation.

3. The Beatles


In the 1960s, the Beatles were a rock band consisting of John Lennon, Paul Mccartney, and George Harrison. Dick Rowe told his manager Brian Epstein that “the guitar groups were on their way out” when The Beatles auditioned for Decca Records in 1962. The British rock band has been one of the most influential groups ever, despite this dismissal. Since then, several hits have been released. Some of them include the Sun, Something, Hey Jude, and so on. They were considered to be the most important band ever.



4. Soichiro Honda

Soichiro Honda was an industrialist and Japanese engineer. In 1948, his foundation was established as a multinational automotive and motorcycle company, which was to expand from the production of bicycle drives to what it is today. In his first work failure with now-competitor Toyota, Honda, the engineer for whom the popular car industry is named, went to his own garage to work on scooters. The world did little know that this period of joblessness would lead him to build the trillions of dollars that we know today.


5. Stephen Spielberg

He may be one of the best filmmakers in the world, but Steven Spielberg refused to shoot at the School of Theater, Film and Television on three occasions at the University of Southern California. He obviously took no answers, and in 1994, the school awarded him an honorary degree, as he continued to direct himself.


The University of Southern California, after seeing its applauded success, chose to create a building and named it in his honor, as if we were deeply sorry that they did not give you such a chance.


6. Michael Jordan


The US basketball player Michael Jordan played mostly for the Chicago Bulls and led them to many championships that are widely acclaimed as the G.O.A.T. basketball player.
Jordan, as a kid, liked basketball and knew he wanted to make his career, even though he was short, because no coach was going to give him a chance. Jordan was noticed by a coach — who chose to not invite him to the team, after he used an inner connection to get into a basketball court, from which student team players were selected.


Jordan came home in dismay, but decided to prove the coach incorrect. Now an NBA Hall of Fame member, almost everybody agrees that he succeeded.


7. Charles Darwin


Charles Darwin was a geologist known for his contributions to evolutionary science. The man who acknowledged much of our understanding of the world today, Darwin, was an average student who his teachers thought would not amount to much and so he left his medical career as a result.
Darwin began a lifetime of study that led to “The Origin of Species” which forever altered the way in which humanity sees our existence. Today, the evolution theory and natural selection are recognized because of him.

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Are you thinking of changing your fashion sense as the year winds down?

Are you are tired of wearing the same set of shoes? Why not try out a pair of sneakers.

Sneakers can be worn on virtually anything and everything. You can wear sneakers with suits, agbadas, ankaras and on a pair of shorts.

If worn in the right way, a pair of sneakers will elevate and brighten your fashion level.

You can pick from a range of designer sneakers to wear. From Balaciaga to New Balance and Nike the list goes on and on.

Check out some of the latest sneakers that are trendy in 2021.

Oliver Cabel Low 1 Frost

Sneakers from this designer comes in white and they stylish.

It is simple to wear and not tool loud. You can easily rock it on a jacket and a pair of shorts.

Nike Air Max

If you are looking for something to wear for your early morning or evening stroll, the latest Nike Air Max is there for you.

Elegant looking, you can rock it with your friends as you play around on the basketball court.

Its sporty nature makes it appealing to athletes.  You can cope one here

Koio Capri Castagna

 

 This designer sneaker brand usually comes in brown and it is dignifying to wear.

It is best worn casually with a pair of jeans.

If you have a house party to attend to, Koio Capri Castagna is there for you to rock.

You can also adorn your feet with this magnificent piece of art as you attend a bachelor party. Want something like this, Check it out here.

Axel Arigato Clean 90

For lovers of Owambe looking to rock the dance floor with their shaku shaku, leg work and Alanta moves the Axel Arigato Clean 90 is there for you.

This designer wear can be worn with traditional wears especially on Ankaras and Agbadas.

The sleekness of the base of the shoe makes it easy for you to dance.

Not only will you dance to waoh the crowd, your leg work will make Michael Jackson beam with a smile. Get the Axel Arigato here

Adidas Originals Superstar

Although casual, it is stylish and it will go well on a nice piece of black or blue suit.

You can also wear it on a casual Friday while you rock it with a pair of jeans and nice polo shirts.

Sneakers comes in various shades of designs, shapes, forms and colors. The fashion brand for sneakers has evolved over the years. The interesting part is, it is unisex and you can never get tired of wearing it. It seems sneakers have come to stay.

 

As you may already know a Sugar Daddy is an older man who lavishes gifts and money on much younger women in return for their company or sexual favours. Many ladies pray for a Sugar Daddy to provide for their many financial needs and so it is a word that has become popular and come to stay all over the world.

There is always a high chance that a Sugar Daddy is any of the following;

  • married
  • popular/famous
  • rich/wealthy
  • politician

So you can bet that Sugar daddy scandals always come up now and then.  

Here are some sugar daddy scandals you probably didn’t know about:

Micheal Diongoli

This man has been linked to various celebrities and the latest is Nengi Hampson. It’s said that he got her a house and a brand new range rover which she flaunted online. What makes this news scandalous was Nengi posing with these gifts and making us believe it was gotten from her sweat.

Aliko Dangote

2020 came to an end with a bang, we got to see the butt of the richest man in Nigeria. His side chick, Bea Lewis had posted a picture of him and was talking about how he broke her heart but was the reason she became serious with her life. It didn’t end there, some ladies started popping out with stories of how they were with Aliko at some point in their lives.

Jack Rich

This man here is allegedly Destiny Etiko’s sugar daddy. When she posted the brand new Prado she got online, tongues started wagging and fingers were pointed at Mr Jack as it’s said to be him who has been financing the curvy actress’s lifestyle. Though he denied it, we know there is no smoke without a fire.

Jay Z

We love and hate this couple, we love their music and we play their songs on a repeat. But in 2017, we learnt that his marriage to Beyonce was shaking as he had gotten involved not only with quite a number of ladies but his sister in law was said to have attacked him during an argument in an elevator. He admitted to cheating on his wife and it seems they have resolved their issues as their relationship looks as strong as always.

Michael Usifo Ataga

We all woke up to the sad story of Usifo who was killed by his sugar baby Chidinma Ojukwu. The story got so complicated and his wife was also implicated in the death of her husband which is not only embarrassing to the woman but their children as well. 

Femi Otedola

The fourth richest man in Nigeria was dragged into a sex scandal by two Canadian sisters Jyoti and Kiran Matharoo. They claimed they had in their possession evidence of him cheating on his wife. However, we later found out these sisters were fond of blackmailing rich men after they were arrested.

Bill Clinton

It seems men called Bill have a way of stealing not only the heart of ladies but also getting them to warm their beds. This president is not an exception. He was accused of sexual assault and misconduct which dates as far back as 1978. In 1998, a sex scandal which involved a 22-year-old White House intern Monica Lewinsky became known to the public and it’s said that their sexual relationship lasted between 1995 and 1997. His wife who had vouched on live tv about his innocence was shocked when Bill accepted the accusations levelled against him.

So there you have 7 sugar daddies scandals you didn’t know about.

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Have you been on the lookout for the greatest phones around 50000 Naira (about $100)? Look no further… This year’s top, affordable, and nicest mobile phone in Nigeria under 50,000 Naira is here.

These are the finest phones available on the Nigerian mobile market, which I have hand-picked. Given the rate at which smartphone prices are rising in the mobile industry, you’ll agree with me that finding a phone with the most up-to-date specs and features while staying within your budget is challenging.

Apart from large batteries that can last you the entire day, there are a few things to consider when purchasing a new phone in Nigeria. One of the most important factors to consider is the price of the phone you will be purchasing.

With that in mind, I’ve compiled a list of the best smartphones under N50,000 (50,000 naira) for you, which will undoubtedly include all the latest features. In this post, you’ll find phones with at least 2GB of RAM, a good battery life, and much more. Let’s get started without further ado…

1. Infinix Smart HD 2021 (about N43,000)

Load more ATTACHMENT DETAILS Infinix-SMart-HD

Infinix unveiled the “Infinix Smart HD 2021,” an entry-level smartphone with a MediaTek Helio A20 processor, in December 2020. The Infinix Smart HD 2021 is an Android smartphone featuring a 6.1-inch HD Plus (1560 x 720) display, MediaTek Helio A20 MT6761WE 1.8GHz quad-core CPU, 2GB RAM, 32GB storage space, and an 8MP main camera.

2. TECNO Spark 7T (₦50,000)

TECNO SPARK 7T

TECNO Mobile, a Chinese smartphone manufacturer, has introduced the “TECNO SPARK 7T,” a 6.52-inch smartphone with a 6000mAh battery. The TECNO SPARK 7T is an Android smartphone featuring a 6.52-inch HD+ (1600 x 720) display, MediaTek Helio G35 2.3GHz octa-core processor, 4GB RAM, 64GB / 128GB storage capacity, and a dual back camera.

3. UMIDIGI A7S (₦41,000)

UMIDIGI A7S

In September 2020, Chinese smartphone brand UMIDIGI released the smartphone “UMIDIGI A7S” with an Infrared Thermometer sensor. The UMIDIGI A7S is a low-cost Android smartphone featuring a 6.53-inch HD Plus (1600 x 720) touchscreen, a MediaTek MT6737 quad-core CPU, 2GB RAM, 32GB storage capacity, and a triple camera with 13 megapixels, 8 megapixels, and 2 megapixels.

4. Gionee P15 (about ₦50,000)

 

Gionee P15

In July 2021, Gionee launched the “Gionee P15,” an entry-level smartphone with a 5000mAh battery. The Gionee P15 is an entry-level Android smartphone with a 6.52-inch (1600 x 720) display, a 1.6GHz octa-core UNISOC (Spreadtrum) SC9863A CPU, 2GB RAM, 32GB storage capacity, and a triple camera with 13 megapixels + 0.3 megapixels + 0.3 megapixels.

5. Itel P37 Pro (₦45,500)

iTel P37 Pro specs

In Nigeria and around Africa, Itel is quite popular in the budget segment. The Itel P37 and the Itel P37 Pro, which is significantly more expensive. While the P37 has 3G, the P37 Pro has 4G, a 6.8-inch IPS LCD with 720 x 1640 pixels and a 20:9 aspect ratio (254 PPI), Android 10 (Go Edition), 2GB / 3GB RAM, 32GB / 64GB Built-in Storage, up to 128GB Memory Card, 13 MP + 0.3 MP Dual Rear Cameras, 8 MP Front Camera, Fingerprint (Rear), and a 5000mAh Li-ion Non-Removable Battery.

6. Gionee S12 Lite (₦49,950)

Gionee S12 Lite

If you’re searching for a phone that strikes the appropriate blend of elegance, performance, and price, the Gionee S12 Lite is a good choice. It has a 6.52-inch display and a 4000 mAh battery, making it worthy of being included in this list of the top Android phones under 50,000 Naira.

The Gionee S12 Lite comes with Android 10 and a MediaTek Helio A25 octa-core chipset with 3GB RAM. It has a 4G LTE connection and 32GB of storage.

7. Itel S16 Pro (₦42,990)

Itel S16 ProItel is well-known for its low-cost smartphones. At this pricing point, the Itel S16 Pro is a good choice. The phone features a triple camera setup, a 4000 mAh battery, 32GB of internal storage, Android 10 (Go Edition), an Octa-core Spreadtrum UniSoC SC9863A processor, 2GB of RAM, a fingerprint scanner on the back, and 4G LTE connectivity. It’s an upgraded version of the iTel S16.

8. Xiaomi Redmi 8 (₦44,000)

Xiaomi Redmi 8 pictures, official photos

It is undoubtedly one of the best phones under 50,000 naira in Nigeria, with excellent characteristics for its price and a mid-range camera. A 12-megapixel sensor and a 2-megapixel depth sensor make up the primary camera. The images are fairly clear even in the dark. It comes in two storage options: one with 32GB of storage and the other with 64 GB with 5,000mAh with fast charge support.

9. Samsung Galaxy A10s (₦42,000)

Samsung Galaxy A10s pictures, official photos

This is an improved version of the popular budget smartphone Galaxy A10, which is regarded as one of the best phones under 50,000 Naira.
The main benefit is the 13-megapixel main camera with a 2-megapixel depth sensor camera with an aperture of f/1.9 and support for background blurring in portrait mode.
The phone boasts a full-fledged slot for a memory card up to 512GB and two independent SIM-card slots, as well as a 4,000mAh battery and Android 9.0 (Pie) os.

10. Tecno Camon 12 (₦50,000)

TECNO Camon 12 Air: Price, specs and best deals – TechWafer

The Tecno Camon 12 was released in August 2019 and runs on Android 9.0 Pie. With a triple rear camera of 16 megapixels, 8 megapixels, and 2 megapixels. As well as a front selfie camera of 16 megapixels, the phone enables FullHD grade imaging on both the front and back cameras. It has an octa-core MediaTek Helio P22 processor (2.0GHz Octa Cortex A53 cores) and 4 GB of RAM.

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The world is full of affordable December holidays destinations, and it doesn’t require much effort to find them. No matter what continent, there are always places you can visit with an affordable budget, even countries we think of as expensive are quite budget-friendly if you know certain tips and tricks.

No destination is really ever “too expensive.”If you’re looking to travel on a low budget and wondering where you should go, here are 3 considerable places to travel internationally:

1. Fiji

Most of us imagine Pacific Island destinations as expensive destinations filled with high priced resorts, food, and services. However, that’s not always the case. Fiji, unlike its expensive island neighbors and sharp marketing by Fiji water, is actually relatively cheap to visit. While there are many $1,000-a-night resorts in the country, you can manage to enjoy pristine beaches, world-class diving, tasty seafood, and friendly locals without having to mortgage your home.

Since Fiji is a stopover on Fiji Airlines, you’ll find a lot of flight deals to the country. Many backpackers take advantage of that and a small backpacker community has emerged. That means cheap guesthouses, transportation, and activities, especially in the popular Yasawa Islands.

Even if you’re not a backpacker, you can take advantage of all these deals and save money. Fiji is one of the best budget destinations in the region and not to be missed.

2. Central America

Want to roam ancient ruins, trek through the jungle, surf, and eat delicious food with few tourists around? Visit the smaller countries in Central America for your December holidays destinations — think El Salvador, Honduras, Nicaragua, and Guatemala. Here you will find most budget hotels for around $15 per night, meals for $3, most bus journeys for the same price, and beer for less than a dollar.

Belize, Panama, Costa Rica – these are expensive destinations by regional standards. If you visit the central Central American countries, you can get by on $40 a day as a backpacker or splash up to $60 a day and live large. Your money goes really far in this part of the world.

3. Cambodia

While you could put all of Southeast Asia on the list, Cambodia is one of my favorite countries in the region — it’s affordable, beautiful, and the locals are incredibly hospitable. You can get a private, air-conditioned room for $20 USD, street food for $2, and transportation across the country for $20. If you are spending close to $50 a day, you are living large. It’s way cheaper than all its neighbors, just as beautiful, and filled with some of the nicest people in the world. It’s one of the cheapest backpacking destinations in the world.

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