Most people have learned the benefits of setting money aside for unexpected expenses. Want to hear something absurd, though? The majority of deposits today result in losses.
But, surprisingly, even with these losses, people still insist on saving money for future use.
How is that possible? The reality is that your money will actually be WORTH LESS in the future than it is now. This is if interest rates, which the bank pays you in exchange for deposits, are lower than inflation. Saving money is still how we accumulate funds for significant life events like weddings, a first home, or a family emergency. This doesn’t mean saving is bad. And it is obvious without saying that depositing money in a bank is much safer than hiding it under a mattress.
It is also noteworthy that current accounts in Nigeria accrue no interest irrespective of the tenor the money is kept.
Your money in a bank account can only yield 3% per annum. Instead of keeping your funds in a savings account with a commercial bank, here are 3 ways to use your money well.
OPEN A FIXED DEPOSITT:
The majority of people don’t know about fixed deposit accounts. Investment deposit accounts are different from savings and current accounts because they are investment accounts. By investing your money at an agreed rate within a specified period of time, you’re reinvesting your money at a fixed rate. Depending on the institution, accrued interest rates may differ.
Fixed deposit accounts are attractive because they provide a guaranteed return on your investment, as long as you leave your money in the account for the entire duration of the fixed period. This means that you can be sure that your money will be safe and that you will make a profit at the end of the period.
In certain conditions, you can terminate your tour account before the due date, known as tenor.
CONSIDER INVESTING IN BUSINESS OR START –UPS
You can utilize your capital in running a side business, or work streams that bring passive income. You can take part in a start-up if you have enough capital. With this you have the opportunity to invest in high growth companies for the future.
This can be a great way to increase your income without having to put in the same amount of time as a full-time job. And, if you are investing in start-ups, you can potentially get a great return on your investment and benefit from the growth of the company.
INVEST IN STOCKS AND BONDS
Diversify your portfolio in your investment journey. Having all your money in one investment increases risk. If that single investment fails, all your money could be lost. Investment is a long term strategy for building wealth The most successful investor invests early, then allows the money to grow for many years before using it. Invest in diverse forms, and you will know what to do next.
Diversification helps to spread out the risk of your investments. By investing in a variety of different assets, you can mitigate the risk of any single investment failing drastically. This allows you to create a more stable portfolio that can handle market fluctuations over time, while still allowing you to benefit from the growth of your investments.
No matter what you are saving or investing in, have a specific set of goals. Know what you are working towards, as this will focus your spending and motivate you.
If you are looking for a strong motivation to propel you into doing more, then it would be good news to know that vtpass.com can provide the incentive for you to work faster and more convenient. At vtpass.com, we make for quick and convenient means of paying all pending bills. Just by logging in to www.vtpass.com, you can pay for your phone airtime- Etisalat,Airtel, MTN, GLO; your TV subscription, electricity bills, data subscription and so on.
Not the literal smile 😂. The Smile Internet is an internet provider that provides broadband connections that is reliable, stable, and high-quality.
How can I buy a new router ?
You can buy a Router online under the Deals section or you can visit any certified Smile shop. You can also ask a representative from Smile to contact you by completing a contact form on the website.
What should I bring to successfully complete my KYC?
To complete your KYC successfully, please visit a Smile outlet that is a “certified KYC” store. Bring your Nigerian ID document or Passport if you are a foreigner. We will take a portrait photo in-store as well as biometrics. If you are a Nigerian Citizen please also bring your National Identification Number (NIN) with you.
What do I do if I’m repeatedly disconnected or experiencing slow speed?
Check for any appliances with magnetic fields in the vicinity, e.g. microwaves, ovens, disc satellite antennas, and redirect the router away from them. Try to move your router location while checking the signal indicator bar on your router. Two signal bars and above are sufficient to have a good browsing experience.
How do I set up the Smile 4G LTE router?
The Smile LTE router is a plug-and-play device. Just plug the router into a power socket, switch it on and either connect to your PC with a LAN cable or connect with your PC or mobile via Wi-Fi. The Wi-Fi- router password is on the back of the device.
How can my business securely connect remote devices to my network?
Remote devices like ATMs and Point-of-Sale terminals can access the back-end systems on your network via a Smile Corporate APN solution.
Data is life, or so you have heard from the famous Airtel television adverts. I often wonder how people cope without internet access due to the lack of data plan or not being able to manage your mobile data. The internet has become an integral part of our lives. As it provides us with access to information that was previously inaccessible. It’s also a powerful tool for connecting with people, for entertainment and for sharing ideas. Without internet access, many feel like they are missing out on so much.
And they are, they are missing out on so much. The Super Bowl was yesterday. Champions League continues this week, China accused the U.S. of flying a balloon over its (China) airspace. A lot of events have happened and are happening around the world that one should be aware of.
This blogpost intend to emphasise the importance of having mobile data on your smartphone at all times. These days, mobile data is money. If you don’t optimise your phone to handle it intelligently, you’re throwing dollars down the drain.
So, here are some insightful ways that can help you manage your mobile data:
Understand your data usage: To solve a problem, you need to understand the origin of that problem. What happens here is totally dependent on the model and type of phone you currently use. Basically, whatever model of Android phone you use, you can check your data usage from the settings. When you click on settings, find mobile data usage or app data usage. When you click on the icon, you will get a detailed overview of what actions, applications have been consuming your mobile data.
In addition, you will see the rate of increase over the past 30 days. In most cases, apps that consume a large amount of data are apps that involve streaming audio and videos. Social media applications fall into this category. Make a mental note of these apps. You will know what to do with them soon. Look closely at the graph. It gives you a breakdown of the data usage of all applications installed on your smartphone. This includes those that run in the background without you needing to open the app.
Remove all auto-play and ‘auto-download’:
This is a notorious culprit in the data hoovering business. To curb this, open all your social media platforms, locate their settings, and turn off the ‘auto-play’ and ‘auto-download’ menus. Videos are among the most voracious consumers of data, and social media sites play them without your permission. But guess what? It doesn’t take much effort to change that.In the Facebook Android app, if you open the main menu, tap “Settings & Privacy,” then tap “Settings” followed by “Media,” you’ll find a series of controls that’ll reduce the size of images and videos and keep videos from playing on their own. On Twitter, you’ll find similar options in the “Data Usage” section of the app’s settings.Most social apps have similar settings, even if they require a bit of digging.
Compress your mobile web experience:
Next up is an easy fix: making your browser less of a data hog. It can save a significant amount of data — as much as 60%, according to Google’s estimates — and actually make your browsing noticeably faster as a result. (Note, however, that it doesn’t work with Chrome’s Incognito Mode). To try it out, go into Chrome’s settings and look for the line labeled “Lite Mode.” Tap it, then make sure the toggle there is activated.If you want even more data-saving tools, try Opera Mini. The browser offers its own form of remote page compression and provides a variety of settings to control how much optimisation occurs.
Optimise your music apps: You use Spotify or Youtube music? Turn down the audio quality to low. This will assist you manage your mobile data better. Make sure your music app consumes as little data as possible. Try setting it to “Low” and then see if the more data-friendly audio quality is good enough for your ears.While you’re in the settings, take a moment to confirm that the “Limit mobile data usage” and “Don’t play music videos” options are activated. Be sure to look through the settings of any such apps on your phone to make certain they’re configured in the most data-efficient manner possible.
Try the light versions of apps and websites:
A growing number of services now offer scaled-down versions of apps — apps designed explicitly to use less data while still delivering reasonably enjoyable experiences. Even if you aren’t overly worried about your mobile data usage, you might find some of them to be preferable to the regular alternatives.Google has an entire suite of “Go”-branded apps for this very purpose, and as of this writing, four of them are broadly available: Google Go, Google Maps Go, Navigation for Google Maps Go, and Gallery Go.
(The others — including Gmail Go, Google Assistant Go, and YouTube Go — are currently available only for Android Go devices.) Facebook also offers light versions of its main Facebook app and Facebook Messenger app. Instagram has launched Instagram Lite. These apps are specifically designed to take up less storage space and data than their full versions. This makes them more accessible to people with limited phone storage or data plans. This will help you manage your mobile data.
Put the Play Store on notice:
App updates are a breeze! They’re also, however, often large — and if you aren’t careful, they can use a lot of your mobile data allotment. Make sure that isn’t happening by opening up the Play Store on your phone, tapping your profile in the upper-right corner, then selecting “Settings” followed by “Network preferences”. There, you can ensure that the “Auto-update apps” option is set to “Over Wi-Fi only” and also that “Auto-play videos” is set to “Over Wi-Fi only.” If you really want to go all out, you can also change “App download preference” to either “Over Wi-Fi only” or “Ask me every time” and then avoid downloading any apps on mobile data unless it’s absolutely necessary.
Download media in advance: The most effective way to cut back on mobile data streaming is to avoid it — and many multimedia apps make that easy to do. The trick is simply to download the content you want in advance, while you’re connected to Wi-Fi. So it’ll be locally stored and available whenever you’re relying on mobile data. And don’t forget that if you subscribe to YouTube Premium or YouTube Music Premium, you also have the ability to download videos from YouTube for on-the-go viewing (and that applies on your Chromebook, too, if you’re crafty).
Look in the “Background & downloads” section of the YouTube app’s settings to adjust your offline watching settings. Then tap the three-line menu icon next to any video on the YouTube home screen to find the download option (or open the video and then look for the Download button directly beneath its title). Spotify and other audio streaming services also offer similar options.
Optimise Account Sync Settings:
Your account sync settings are set to auto-sync by default. Keep auto-sync disabled for data-hungry apps like Facebook and Google+, which use sync services to sync files like photos and videos. Google constantly sync’s your data when a change is made. Most of these sync services might not be required. This background sync service affects both your data consumption and battery life.To adjust your sync setting, go to Settings>>Accounts. There you can fine-tune sync settings for different apps. To optimise Google sync, tap on Google, and turn off the options you don’t require.
If the steps are followed, it is believed that you will be able to manage your mobile data better. Meanwhile, bills payment with www.vtpass.com is superfast, easy and very convenient. In addition, you get 24/7 access to our support team to help you through any glitch you might have. Why don’t you try us today?
In this resource, we have common questions about International Airtime answered. That’s right. There are so many questions. We approached them and gave adequate answers. Yes. That’s exactly what we do. So lets get started.
Firstly, What is International Airtime?
International airtime is also called foreign airtime. It is simply airtime for countries other than yours. In this case, Nigeria. For example, Ghanaian airtime qualifies as international airtime. UK, United States, China, etc.
Secondly, Who Can Use It?
Anybody and everybody. Contrary to what you may have heard, anyone can use this product. You do not have to be traveling to buy International Airtime. Neither do you need to be vacationing. You simply need to have someone overseas. That’s all. An uncle, aunt, sibling. Maybe even a friend. You can simply buy International Airtime for them.
Thirdly, Why Would I Use It?
I know right? Why would I need to buy International Airtime for anyone overseas? I thought so too. The answer would surprise you. You might want to buy for a family member who is schooling. You could buy for a friend who recently relocated and is just trying to adjust to life. Possibly, you could be in a financial fix during your vacation and use it to settle some bills. There’s more here.
Where Can I Get It?
Subsequently, the most trusted platform to get International Airtime inn Nigeria is on VTpass. VTpass is the fastest and most reliable bills payment platform in Nigeria. It offers you superfast payment and immediate value on transactions. What more? You can get International Airtime on VTpass.
What Countries Can I Buy International Airtime For?
Consequently, you can buy International Airtime for almost all countries in the world on VTpass. That’s right. As a matter of fact, there are over 100 countries available on VTpass. You can see all available countries here.
How Do I Pay?
In the same vein, this is simple. For instance, lets say you buy airtime for UK on VTpass. Firstly, you select the country. Secondly, you select the operator. Next, you select the operator type/value amount you want to buy. Our system then helps you convert that amount to its Naira equivalent. That means, you get to pay in Naira.
Similarly, the process repeats itself for any country you are buying for. Our system will automatically convert it to its Naira equivalent. This means you get to pay in Naira.
This is a true life story about how the International Airtime got me money during this Easter Festive period. No cap. So, Easter was fast approaching. I was in a fix as I needed to host my babe for the period. Man was a little low on cash. Ok, not a little, a lot. Man was extremely dry. I needed a miracle!
I looked through my contacts. Lol. It is when you are broke that you will realise it is phone numbers you have, not contacts. Contacts can help. Phone numbers, well, let’s not go there. Well, there I was. Swimming in contacts, until I saw the contact of my uncle who was in the U.S. Boston, to be precise. Ok, could this be a way out?
Firstly, it had been a long time since we had spoken. The last time we spoke was 7 years ago, when I was asking him for financial help and he stopped responding to my chat. That meant I needed a way in. It would be wrong for me to just go in guns blazing and ask for money. I wasn’t raised to be a beggar, but I needed help.
Secondly, I needed an angle. That was when it hit me. A stroke of genius. Like Oga Sabinus, the plan formed in my mind. VTpass had a product on their platform called International Airtime. I could simply purchase airtime for this my uncle, then say hi to him online. Let him know that his thought crossed my mind and I just thought to recharge his line with something light. It should work, I thought…or hoped!
What Happened Next…
Consequently, within seconds, I was done. Immediately, I sent my uncle the receipt, along with a message checking up on him, wishing him the best and to let him know that he was in my prayers. I am such a bastard liar, gosh! Moreover, I actually started praying. My little money should not just go down the drain.
Guess what happened next? My Uncle started typing. Immediately at that! Imagine my shock. I thought this man was so busy. He responded, telling me that was so thoughtful of me. Of course. I’m so full of thoughts normally. lol. Next thing I know, he’s asking for my email address and my account number. Oshey! Uncle don ask for my aza ooo.
Long story short, that is how my last 2k that I used to buy International Airtime for my uncle got me 50k in return. See how International Airtime got me money. Easter don soft. Now look at me thinking, who else do I have in the abroad. I have found a new way to bill them.
I used VTpass. VTpass is an online bills payment platform where you can buy airtime and data, pay other TV subscriptions and electricity bills, buy insurance covers and pay education bills. Most importantly, you get a variety of payment options and instant value! Use VTpass to send International Airtime to your uncles in the abroad and see if it won’t work wonders for your bank account.
Wondering why you would ever need to know how to buy International Airtime? Family is everything. And they’re not just those related to us by blood. Over time, friends become family. We share moments together, forge deep bonds until…someone relocates and while they are trying to find their feet, relationships grow apart.
There’s a lot to adjust to when friends/family relocate. A new time zone. A new culture. They have to develop new relationships. They also have to survive and make ends meet because there’s probably no one to give them “urgent 2k” and they have more bills to pay. Yes. In an economy that works, there are more bills to settle. All these can put a strain on relationships back home.
How about parents who have children schooling overseas, while yet trying to work jobs barely enough to pay their rent in the abroad? Can you relate now? Here’s the truth. Everybody’s got someone overseas, when you look at it! And now, you can put smiles on their faces by a simple thoughtful gesture. Wondering how?
Next, fill in the necessary details and proceed to payment.
Lastly, choose your preferred mode of payment and complete payment in Naira.
Try it. Buy airtime for that “fam” you have in the abroad and see if this doesn’t get them smiling. It’s true that the thought matters, but, in the same vein, it is also true that little gestures go a long way. Why not make a little gesture now?
Firstly, to get your JAMB e-PIN, you should ensure you make your purchase using a reliable platform like VTpass. Bill payments made through VTpass are superfast. And you get value immediately. However, we know there are a few cases where you might not have gotten your JAMB e-PIN immediately. This could be due to a number of reasons. This will help you get your JAMB e-PIN in such cases
At VTpass, we are particular that you get instant value for services you pay for when you need it. By simply logging on to www.vtpass.com, you get to conveniently pay for everyday services. From airtime and data subscriptions. to electricity bills,cable tv subscriptions, insurance bills and education bills, VTpass has you covered. Upon using some of these services like the JAMB e-PIN purchase, you will need to receive a PIN to complete your registration. In rare cases, you may not receive this e-PIN immediately due to service breakdown, poor network issues, or maybe a drained phone battery.
Firstly, do not panic. You have not been scammed. VTpass has been delivering top notch service to customers for years. Should in case you did not receive your JAMB e-PIN after making payment through the platform, all you need to do is follow any of the steps below.
You can contact support via a number of channels.
The Live Chat
Calling our helpline
Sending an email
Firstly, the Live Chat feature gives you instant access to our 24/7 support centre just by clicking on “help” and “start live chat” from the VTPASS Mobile App or by logging on to www.vtpass.com from your phone browser and clicking on “online – chat with us” at the bottom right. All you need to do is provide them with the phone number/email address linked to your e-PIN purchase, and your profile code, and your complaint will be resolved.
Secondly, calling our helpline is always advised if you have an urgent issue that needs resolution. Our helpline is always available to give you 24-hour dedicated support. That’s right, getting that issue resolved is as simple as dialling 08138752358 now!
Thirdly, You can send a mail to firstname.lastname@example.org now and we’ll help you resolve any issue you have. Just provide the phone number/email address linked to your e-PIN purchase, and your profile code, and your email will be treated promptly.
Finally, you can also get your issues resolved by sending a DM to us via Instagram, Twitter or Facebook with the necessary details of your transaction.
In conclusion, bill payments on www.vtpass.com are superfast, easy and convenient. In addition, you get 24/7 access to our support team to help you through any glitch you might have. Why don’t you try us today?
The 2022 JAMB e-PIN (UTME/Direct Entry) is now available on VTpass and in line with the new directive, candidates will need to obtain a profile code for JAMB e-PIN purchase. Don’t know how to get it? We’re here to help. Sale for 2022 JAMB has commenced. And it is due to close on the 26th of March 2022.
JAMB registration has moved away from just purchasing a form. Now, there are requirements to meet before you are eligible to buy the e-PIN you need to register. Most important is having your profile code generated. We’ll walk you through what to do to get your profile code generated. It is easy. Just follow the steps below.
NOTE: Only one phone number can be used by each candidate to obtain his/her JAMB profile code. Also, make sure you use a phone number that you easily have access to.
Generating Profile Code for JAMB e-PIN Purchase
You need to generate your profile code, whether you’re a UTME candidate or a Direct Entry candidate. You then use the profile code to purchase your e-PIN. Here’s how
Firstly, candidates should have obtained their NIN as directed by JAMB. In line with JAMB’s directive, only candidates who have obtained their NIN can register for the examination. If you do not have your NIN yet, then you need to register. Click here for information about how to register for your NIN. Consequently, if you already have your NIN, but misplaced it, You can simply dial *346# on any service provider to retrieve it.
Secondly, Kindly link your SIM Card with your NIN to enable you receive the profile code in your phone. Even if you have linked your SIM before, try doing it again for faster receiving of your profile code. Note: Do not use SIM Card already linked by someone else maybe your mother or your father. It must be linked by you. This implies that the SIM must be yours.
Thirdly, upon obtaining your NIN, SMS ‘NIN’, space and your 11 digit NIN number to 55019. For example, send (NIN 00123456789) to 55019. Be sure to put a “space” just like the example given. Similarly, also ensure that you are sending the correct NIN. You don’t have to send this message with the same phone number used in registering your NIN in the first place.
Subsequently, Get Your Profile Code. Upon sending message to 55019, you’ll receive an SMS response containing a 10-digit profile code alongside your registered name with NIMC. This 10 digit profile code is important as you will not be able to purchase JAMB e-PIN without it.
After that, you can visit www.vtpass.com/jamb and buy your e-PIN using the 10-digit profile code you received via SMS and your e-PIN is immediately sent to you via email, SMS, web and the VTpass app.
Note: The cell phone number used for sending ‘NIN’ to 55019 is automatically linked to the candidate’s name supplied by NIMC and will be used in all communications related to his/her application/examination.
Registration for JAMB 2022 is ongoing and due to the updated process by the governing body, registration has to be completed at JAMB accredited centres. Neat right? Yes. We are loving the new structure. The process however, is another conversation
Why? Firstly, you have to have your NIN. Your NIN details are then used to get a profile code. The profile code is used to purchase your JAMB e-PIN. And the process goes on. Need a step by step on how to buy your JAMB e-PIN? We have you covered. Just click here for an easy guide. The e-PIN is then submitted at any of the JAMB accredited centres near you.
You are almost done at this point. Finding a JAMB accredited centre near you however is an entirely different experience. Candidates go from place to place. Having different experiences. Scammers get some. So we built a tool that helps you easily locate accredited centres around you.
Locating JAMB Accredited Centres Easily
To easily find accredited centres around you, simply click https://www.vtpass.com/jamb-centers. To use the tool, simply select your state and type in the city you reside in eg State “Lagos” City “Ogba”. All JAMB accredited centres around you will be displayed, along with their addresses.
Please note that you are not to pay anything at any JAMB accredited centre. When you purchase your JAMB e-PIN from a platform like VTpass, your receipt comes with a breakdown that looks like this below
From the image above, you can see that you already have paid the fee for the accredited centre. This means you are not to pay a dime extra, at any point during your registration. If the centre is asking for a fee, then chances are you are not at an accredited centre.
Are you interested in integrating our JAMB e-PIN vending API? You have come to the right spot. This material will help you. We have provided all you need to integrate our JAMB e-PIN vending API with ease. Let’s go!
Firstly, what is an API? In case you are new to this, an API is an Application Programming Interface. It’s a set of commands, function, protocols and objects that programmers can use to create software or interact with an external system. You can find more information on understanding what an API is here.
Who Can Use Our API?
Anyone! Well, not really anyone, but almost anyone. As long as you have a website, you can easily integrate our JAMB e-PIN API and thereby gain access to it. When you integrate, you are able to offer the same services to your own customers directly from your website. This is great because it means you are offering your customers more value. And they never get to visit or be redirected to any third party website.
What Does It Cost?
Nothing. Seriously, there’s no catch. It costs absolutely nothing to integrate our API. That means you get to offer your customers more value and make additional income at absolutely zero cost to you. And if you are not the technical specialist, it’s ok. But you have a website through which you can sell any of our services. Consequently, you can consult your web developer or programmer to help you set it up.
Should you experience any issues or need any help, do not hesitate to drop a comment or reach out to vtpass.techsupport on skype to get your issues resolved immediately. In conclusion, what are you waiting for?