How to make use of a Credit/Debit card

The credit card is the technological brain behind the payment for goods and services without out the use of physical cash. It is a plastic payment instrument that is controlled by a software linked with Banks and other financial institutions. I see it as an online currency since it is a legal tender.

The credit card is supposed to be for worldwide use , but there are some restrictions to its use in some countries. Some of the reasons are :

·         Fraud

·         Technological incapabilities

·         Maintenance

·         Underdevelopment

                                                         

                                                              Credit Card VS Nigeria

Plastic payment system has recently entered Nigeria due to our progress in technological development and standardization of our Banking system in the recent years. We have now got ATMs in our Banks for cashing money with the use of ATM cards.

Some Banks in Nigeria now have MasterCard one of the best credit card worldwide commonly used in the U.S. You can use this card to order for goods and services via the internet from any part of the world where MasterCard is available.

MasterCard and Visa Card are considered as the best and trusted Credit/Debit cards in the world. Some other credit card-issuing companies work in collaboration with either of these card’s companies to process payments.

Here in Nigeria, ECO Bank was the first bank to run the issuance of MASTERCARD , after which some other Banks started,like Zenith bank, GT bank ,etc. B       y information from the papers, Zenith Bank has been licensed to run branches in the UK. By this , ther won’t be any more fears in the use of MasterCard from the Bank to shop internationally.

Nigerian Banks have been considered the fastest growing in Africa. I think all kudos go to Prof Charles Soludo.

Note that it is not cheap to acquire MasterCard here in Nigeria. Most Banks that issue that card will need you to have up to #45,000 to #50,000 in your account to qualify for applying for the card. But in countries like U.S, CANADA, in EUROPE, etc. you can get the card with $100.00 and even less. Well not to worry, you know we are still growing up.

                                        Getting  a  U.S Credit Card

There are possible ways you can get a U.S Credit/Debit card here in Nigeria that will not cost you morethan the $60.00 not by fraud as some do, but legally.

The benefit of Internet to Education

In this world of rapid growth , through high technological advancement  , the internet has been able to help the educational aspect of life. One can fully go through schooling processes online . There are so many programs [ Educational ] you can study online , You enroll online , study online after which you graduate as a real graduate. Your certificates are shipped to you in your country.

In the aspect of studying , there are a thousand and one tutorials you can access online to study any course or subject you desire. The internet has linked the spacious gab between all nations and continents. You can study abroad without leaving your country.

I see the internet as a worldwide library where you can get books or materials on any subject to study. There is no longer excuse of ‘ I don’t have textbook to study’. You don’t have textbook, go online.

To get free materials or free books to study online , just use one of the search engines to search. Google is used by most students. In google search box, just type the topic you want to study on and click search. Google will display so many links to websites where you can study on that topic. Assuming you want to study on ‘’ BACTERIA ‘’ , you can use this topic to search : Type ‘’free tuitorials on bacteria ‘’ . This  topic is very targeted. Google will in no time display links for you to choose from

Mind you , even if you have the textbooks  still make sure you study online to have wider view on the particular subject.

The various Navigation/keyboard shortcuts you should know

Navigation is one of the major tasks involved in browsing. It involves the movements you make  from one place to another within a webpage , from one web page to another in the same website or  from one website to another. Below are some of the keyboard shortcuts :

ACTIONS [ On keyboard ]                                         FUNCTIONS

F5                                                                                To refresh or reload the current webpage        

F6  [ long press ]                                                         To activate the address in the address bar to load                                                                                      faster.

ALT + Tab                                                                   To quickly move to the next application  or next                                                                                      explorer window.

Ctrl + H                                                                       To view the browser’s history; showing all the                                                                                      sites that have been visited from the  current                                                                                            day back to previous week if not deleted from                                                                                         history.

Ctrl + W                                                                       To close the current browser window .

Ctrl + A                                                                        To highlight all texts or object on a page.

Ctrl + P                                                                         To print a document .

Ctrl + F                                                                         To find an existing word on the current page.

Ctrl + T                                                                         To open another browser window on the same                                                                                         page [ mostly for Mozilla browser and some                                                                                             version of Explorer ].

Ctrl + Enter                                                                   To add ‘ www. ‘ and ‘.com ‘ at the beginning                                                                                            and ending of a word [ a domain name ].                                                                          

Ctrl + Z                                                                         To undo an action.

Ctrl + Y                                                                         To redo an action.

Alt + F                                                                           To open the file menu.

Alt + E                                                                           To open the edit menu.

Ctrl + X                                                                          To cut highlighted text or objects.

Ctrl + C                                                                          To copy an object or text

Ctrl + V                                                                          To paste a copied or cut text or object

Ctrl + B                                                                          To bolden a typed  and highlighted text

Ctrl + U                                                                          To Underline a typed an highlighted text.

Ctrl + I                                                                            To Itilize a typed and highlighted text.

Delete                                                                             (1) To erase a highlighted text or object at   once.                                                                                                               (2) To erase texts one after the other when the                                                                                                                      cursor is placed at the front of the texts.

Backspace                                                                           (1) To erase texts one after the other when the                                                                                                    cursor appears at the back of thetexts.                                                                                             (2) Press once to move topreviouslyvisited web

Job vacancy opportunity at Skill enhancement centre [ SENCE] Limited - Account- Admin Officer

Job vacancy Type: Full time

Job opening ID

  

28

Job vacancy Roles and responsibilities

  

 * To Ensure that things are establish correctly and running at full capacity.

 * Analyzing  of Financial activities

 *Maintenance of  a complete customers database.

 *To Ensure that things are establish correctly and running at full capacity.

 *To Perform General administrative duties assistant
 *To Provide a very clear work schedules for staff.

 * To administer  payroll in line with agreed policies

 *To Implement  company  procedures and policies

 *To ensure Submission of prepared Invoice.

 * To Establish and maintain  supplier's accounts

 *To ensure proper recording of transaction.

 * To Prepare  invoice schedules & spread sheets.

 *Updating  and processing of staff allowances.

 * To Submit  prepared Invoice.

 *An effective Voucher  payment for signature and follow up routing

 *Daily transactions in Bank.

 * Receipts and payment maintenance.

 *  Proper payment of bills .

 * Undertaking of any other projects  and duties at the request of the line manager.

Job Skill set

  

* BSC/HND degree holder in  Business Administration or Accounting  with not less than two years of work experience

* Applicants shpuld be proactive,  a self-starter, and  able to work under pressure and meet target deadlines.

*Have the  qualities on the ability to lead a team.

* An effective communication skills, confident and proactive.

* An effective  use of Microsoft Office tools.

 An excellent organizational planning and skills.

Job Work experience : 1-2years

 JOB APPLICATION DEADLINE : 24th Oct 2013

Method of Job  Application    : Click here

Job vacancy opportunity Graduate trainee recruitment 2014 at PricewaterhouseCooper [ PWC ]

 

Job department :  Nigeria jobs and job templates
Job vacancy type:Permanent
Closing date job vacancy:  10-Nov-13
Reference Number of job:  125-NIG00033
The Company
PwC firms assist individuals and Organizations in creating the value they are looking for. PWC is a network of entities (firms) in 158 countries with more than 180,000 people (staffs) who are committed to delivering quality in advisory , assurance and tax  services. We are the largest provider of professional services with offices in 26 countries and close to 8 000 people in sub- Saharan African. This enables us to provide our clients with  consistent and seamless service, wherever they are situated on the continent. Our rigid knowledge and understanding of  operating environments in Africa enables us to put ourselves in our clients’ shoes and offer truly tailored Advisory, Tax and Assurance solutions to unique business challenges.

PWC is regarded as the PwC network and/or one or more of its member firms, where each of which is a separate legal entity.
Job Roles & Responsibilities
Your learning with PWC begins with an  eight weeks structured  course. This is the first element of a development framework that will help an individual to build personal , business awareness, technical and management skills throughout their career.
Self-directed, career-long training respectively is a key characteristics of life here at PwC. The entire working environment at PWC is designed to empower you to learn.
At PWC ,you will have access to a wealth of critical knowledge, such as tools of methodology and  best practices documentation. PWC will make provision with continuous on- the-job guidance, and acquisition of  key knowledge about business strategy , industries and practical business issues faced by our clients through your daily experiences.
Professional qualifications will play an important role in your career. We will provide you with all the resources  and support you need to excel in your professional exams. A coach who will play a vital role in the development of your career will be provided to help you unlock your potentials, in order for  you to perform at your best.
Our international development is a valuable development opportunity which our global network can provide.This will give you  the privilege to spend a year or two gaining experience and fresh perspectives with one of the PWC firms anywhere in the world, or exploration of  new cultures during short-term client assignments or training courses abroad.

Job vacancy Requirements

* Fresh Graduate
* Completed NYSC
* Minimum of 2nd Upper Class Honours

 Click here to Apply

Graduate Trainee job vacancy Recruitment at Johanssen Group (Telecomm)

JOB VACANCY TITLE: Graduate Trainee
JOB VACANCY ID: GTS-0610973
JOB AREA: IT & Telecommunications (non consulting)
JOB VACANCY LOCATION: Nationwide

JOB DESCRIPTION   

We seek to recruit high-potential recent fresh graduates through the Graduate trainee program and develop them into Telco IT specialists through a twelve (12) month long on-the-job training. The selected job candidates will work in either Network Management, Server administration or Application Support. Each candidate would receive training as specific to their tower, plus everyone will go through training on Service Management and Basics of Telecom IT.

JOB RESPONSIBILITIES

• Working with Competency managers, ensure smooth IT operations for a leading Telco in Africa
• Interacting directly with client team members onsite
• Developing proficiency in one or more areas to become a subject matter expert (SME)
• Preparing data for Management Reporting (and presenting occasionally to local management)
• Undergoing continuous training and development incorporating common soft skills education and specialised classes for JG Strengths and Experience
• While exposure in computer science / IT is a pre-requisite
• Highly driven, energetic, flexible and resourceful
• Positive attitude towards learning (systems, processes and people)
• Strong quantitative aptitude and Troubleshooting bent of mind (i.e., Problem Solving ability)
• Structured communication ability

HOW TO APPLY TO JOB :
Qualified and  interested candidate should send in a detailed CV and a copy of NYSC certificate or letter of Exemption to: hanssen27@yahoo.com
Only shortlisted candidate will be contacted via sms.

DUE DATE:
13th of November, 2013

IBM Graduate Trainee Program 2013 job vacancy opportunity

Job vacancy ID    GTS-0610973    Job type    Full-time Complementary Job location country    Multiple (ZM, BF, CD, GA, KE, NG, TZ, UG)    Position type    Entry level Job location city    - Any    Posted    09-Oct-2013 Travel    10% travel annually    Job area    IT & Telecommunications (non consulting) Job Business group    Global Technology Services    Job category    IT Specialist Business unit :    Strategic Outsourcing     Job role    General Other IT Specialist         Job role skill set    General Sales-Incentive jobs and commisionable only    Yes        Job description During the Graduate Trainee job program, we seek to employ high-potential fresh graduates and develop them into Telco IT specialists through a twelve (12) month long on-the-job training opportunity. The selected candidates will work in either Application support, server administration or Network Management. Each trainee would receive training as specific to their tower, plus every candidate will go through training on basics of Telecom IT and Service Management. Main responsibilities will include: • Working with managers that are competent, ensure smooth operations of IT for a leading Telco in Africa respectively. • To Interact directly with client team members onsite • To Develop proficiency in one or more areas to become a subject matter expert (SME) • Preparing data for Management Reporting (and presenting occasionally to local management) •  To Undergo continuous training and development incorporating common soft skills education , and specialised classes for IBM Strengths and Experience Prerequisite : Wide exposure in computer science / IT i, We are primarily looking for the following : 1. Highly driven, energetic, flexible and resourceful 2. Positive attitude towards learning (systems, processes and people) 3. Strong quantitative aptitude and Troubleshooting bent of mind (i.e., Problem Solving ability) 4. Structured communication ability 5. Strong adherence to policies and processes Required :  Eligibility to work in the country to which you are applying is essential     Bachelor's Degree     Basic knowledge in Troubleshooting     English: Fluent JOB APPLICATION DEADLINE :  7th Nov ,2013 Method of Applying for job : Click here

Job vacancy opportunity Graduate Trainee Program - Cloud17 Solutions

Cloud17 Solutions Graduate Programme is a development framework that enables new graduates to become fully independent establishing the career advancement of their career. New graduates at CLOUD 17 Solutions have access to an unparalleled range of roles and world-class training and development opportunities not limited to:

Programming , Graphics designs , Networking, Ethical hacker(IT Security Professional) etc,.

Who we’re looking for:

Recent graduates who finished with a very good degree at the Undergraduate level

Fresh Graduates who are still  engaged in or have finished their National Youth Service

Recent Graduates with great interest in learning and advancing their horizon.

There will be specific skill requirements for each candidate chosen job area. But whatever  role they play, there are certain qualities applicant will need if they want  to succeed at Cloud17 Solutions.

Job applicant  also need to be good at absorbing information, coming up with original ideas,  analyse problems and  making objective decisions. Job applicant should have the confidence , drive and resilience to get things done,  the credibility to influence others and the flexibility to work well in a team.
Method of applying for job application :
Prospective applicant should Send their  Cv to info@cloud17solutions.com

The bitter truith for all Ladies !!!!!!!! A must read

No woman will allow  her man to cheat on her but most women would not mind dating a  man that is married or a guy who is engage i.e in a serious relationship, they would not mind seperating eachother apart, they would not even bother to ask this  "Are you in a serious relationship or married"? , "why did she break up with you or why did you break up with her"?, "will you take her (your g.f/wife) back if she comes back"?, "are you still in love with (your girl) her"?, "how long did you guys date" amongst other questions just so the lady would know if her heart will be in safe hands and what to expect from him in order not to be a victim of relationship of hit and run, but Hell No, most ladies do not care, they just want to go into  a relationship, they just want to get married ASAP, they want a man to call their own, it doesn't matter if he is in a serious relationship or married or if he is into a relationship

The logical question we should ask  is how can men relinquish cheating on us while we are the ones giving them the license and encouraging them to do so? There are women who do not know how to turn down a man's relationship request, to them anything goes so long he can satisfy her financially, emotionally and sexually, we can not eat our cake and have it, (et le sourire de la crémière), if you don't see anything wrong with dating another woman's husband or boyfriend then don't expect your man to be faithful to you in a relationship or marriage as the law of karma will always check up on you.

How to root your android phones

First and Foremost what is the meaning of rooting ?

Rooting your mobile  phone simply means giving yourself root, or superuser  access, giving your mobile device access to system files and the ability to change things that normally are marked read only

Thus Rooting allows you to change all kinds of things that normally you wouldn't be able to, along with install custom versions of Android.

Follow these steps for you to be able to root your android platform
1. You need a system i.e  A desktop or laptop.
2.An internet data Bundle for you to download file which is about 30mb.
3.A Usb cable
Note : The least grade should be  any 4.o Android Phone.
WARNING AND TERMS OF CONDITIONS :  This is not application but rather its a tricks, therefore the management of nairacity site will not be liable  for any damages or problems your device encounters.

* First and Foremost ,  Download any android Debugging app that will allow you install android driver and let your mobile  phone connect with your system i.e pc, apps like http://pdanet.co/a   OR  download this http://snappea.en.softonic.com/ used for multipurpose like moving all apps to SD

Download this file http://www.4shared.com/archive/LXc4l-bT/Root_with_Restore_by_Bin4ry_v1.html

** The next step is the  Installation of  the Debugging app and when it prompts you to plug you phone,do it quickly and make sure the drivers is installed. If that is well done close the App on your pc if that is well done.

 Now Open the root with Restore you downloaded extract it to any folder in your pc .
The Runme.bat file must be run and  a command prompt window will open
 PRESS 1 when it prompts for an option and it will continue to execute the task.
Then after that another window will open in your phone ***PLEASE ENTER YOUR DEVICE ENCRYPTION PASSWORD BELOW****. Ignore it when you see the above bolded statement and click *RESTORE MY DATA below and wait for the process to finish. Your device  will then restart, and if you see the SUPER SU icon on your apps drawer it means that you had successfully rooted your phone.

NOTE :  If you want to learn more , click or copy and paste the link beside http://hdc-galaxy.com/how-to-root-any-chinese-android-running-android-4-0-ics4-1-jb/

Graduate Sales Army at Adexen Nigeria

Adexen is pioneering in Recruitment Process Optimization to service its customers and human resources. All clients enjoy the flexibility of choosing dedicated Offshore, Nearshore, or Onshore services.

Our HR and Advisory consultants and HR have many years of experience in working with large local companies and multinational companies across Africa and other emerging markets. Whether you want to consider the implementation of a new HR strategy or a move to outsource your resourcing function then our consultants can offer advice on a creative solution to your problem.

Our client is  one of the country s leading FMCG companies  and  a multinational consumer goods company

We are mandated by multinational consumer goods company to recruit a Sales Army.

Job vacancy Title : Sales Army

Job vacancy reference: 256
Industry: Consumer Goods
Job vacancy Location: Nigeria
Job Function: Commercial & Communication

Job  Responsibilities

   * To Ensure compliance with Company trade policies at Key Distributor level
   * To Manage Distributor sales resources
   * To  Ensure Key Distributor profitability
   *To Ensure implementation of trade promotions at Point Of Sale
   * To Hande Key Distributor complaints at Key Distributors level
   * ToTake responsibility for various initiatives .example TPM,  EDGE , CCFOT at KD and POP level
  * To  Deliver optimum visibility and merchandising the brands of the company in line with best practice recommendation
    Keeping of  track of all competition activities, volumes and be pro-active in beating competition.

Job vacancy Requirements

  *  A good first degree honour in  BSc or B.A
  * Job applicant should  not have  more than 2 years work experience i.e between ( 0-2 yrs exp)   **** A sales experience would be an added advantage*****
 *   Job applicant must have an  excellent written and verbal communication skills
 *   Must have Analytical skills and understanding how a business works is critical for this role
 *   Must be  able to use the computer with high level proficiency in Microsoft office packages (Word PowerPoint, Excel)
 *   Must  have a good Coaching skills
 *   Self-motivating, result oriented and entrepreneurial.
 *   Must be  resilient and tenacious, driven to achieve even when faced with obstacles
 *   Must have interpersonal and leadership skills
 *   Must Build strong working relationships, influencing the internal teams and customers
 *   Must have a very strong Relationship Management and negotiation skills.

Remuneration of job :
Attractive Package

 Job  vacancy Application Closing Date
15th October, 2013

Method Of Application for job vacancy
Interested and qualified candidates should:
Click here to apply online

Honeywell Graduate Recruitment Programme (HEP) 2014

Job vacancy Title: Honeywell Excellence Programme (HEP) 2014

Job vacancy Locations: Lagos, Nigeria

Job vacancy Description
The one (1) year Graduate programme has been designed to  immerse and expose participants in a series of carefully designed development interventions focusing at building and developing relevant competencies for seamless and effective integration into the workforce.

Job vacancy Qualification/Responsibilities

•  A Bachelor's degree holder with a minimum of Second Class Upper(2.1) or HND with a minimum of Upper Credit in any discipline.
• At most  28 years old
• A maximum of two (2) years' post-NYSC experience i.e between 0-2years of experience.

In addition to the aforedmentioned, job applicant  should demonstrate the following attributes

•  Ambition, talent and enthusiasm to be the best.
• Great interpersonal and team-working skills.
• A very Strong verbal and written communication skills.
• Strong passion for excellence.
• Good problem-solving focus, with a great appetite for learning. 

Job Application Closing Date
22nd October, 2013

Method of Application
Interested job candidates should :

• Visit the Honeywell Excellence Programme on-line application portal: www.honeywellrecruitment.com
• Read and abide with  the instructions contained therein for the purpose of completing the on-line application form.
• Complete the application form by providing the following information:
  • (1) A valid mobile GSM number(s) and a functional email address through which they can be reached at all times during the course of the selection exercise.
  • (2) Bio-data, education and work experience.
• Please take note of the 12-digit Application Reference Number (ARN) and endeavour to keep it  as it would be required for subsequent access to your information page on the application portal.
• Print out the acknowledgment slip at the final submission of the online application.

Note the following :

• All applications with respect to this vacancy must be received not later than 22nd of October  2013.
• Information provided by job applicants will be treated in strict confidence.
• Only those short-listed job candidates  will be contacted and invited for an Aptitude Test. Aptitude test notifications will be sent via SMS and email.
• Please note that  security clearance and forensive check will be conducted for all job applicants invited for the aptitude test. In addition, all educational qualifications presented by applicants will be investigated.