How Nigeria Plans To Return To the Usual Work in the Office

After the quarantine, things will return to normal (or whatever the new normal will look like). The compulsory stay-at-home laws will be repealed and some other restrictions will be lifted making return to regular work for many employees across India the next logical thing to do.

It is therefore highly important for businesses to make proper plans for a reintroduction to life in the office. These back-to-work plans must ensure safety for the workers, encouragement for them as well as profitability for businesses. Failure to do so can prove dangerous to the health of the workers and the business itself.
Not all businesses can be profitably operated through remote working, and the return to normalcy is a breath of fresh air for such organizations. But how can this transition back to office life be carried out in a safe yet productive manner?

Ways to return to work after the quarantine

  • Reconfigure office arrangement: When work resumes, businesses still need to follow social distancing and hygiene regulations that were effected during the pandemic. The work environment will have to be reconfigured to accommodate the new reality. Office seating arrangements will need restructuring. Companies may consider using transparent shields to divide office desks. Also separating entrances from exits at workplaces to keep social distancing laws in effect will go a long way in ensuring the safety of workers and customers.
  • Ensure proper management of employee numbers: With the "6-feet distancing" regulations in place, normal office activities won't be as they were pre-Covid-19. Most workplaces won't accommodate all their workers at the same time. It is only wise to create an effective arrangement for rotating employees' work days. Ensure that the rotation is done in such a way that every arm of the business is still run effectively while worker distancing is still in check. Rotation will limit the risk of spreading viruses in the workplace because the more workers there are in the office at any given time, the higher the chances of contracting the virus. This mean that there will have to be a lot of shifts going on in different offices. Employees need to always be aware of their shifts on time so as not to cripple business activities. Managing employee numbers may mean that some employees will have to lose their current jobs and they will need to find work elsewhere.
  • Continue some remote work: After the lockdown is over, it is advisable to carefully consider every role and decide if some activities can be carried out remotely at least for some months. Some companies will prefer to maintain remote working due to economic reasons while others may be forced to return to the work-from-home life of Covid-19 especially if they are located in high threat areas or if a worker suddenly contracts the virus. After careful consideration, work that can be carried out remotely should remain that way for some time because going back and forth between working centrally and working remotely can take a heavy toll on the business. It is therefore advisable to keep both options open in case of any unforeseen eventualities. A good communication system will be highly beneficial to keep businesses running smoothly in this situation.
  • Restore workplace motivation: A lot of things got changed when the world was hit with the virus. And due to the fact that many employees have been away from their places of work for a long period of time, restarting the office work life may be somewhat unsettling. Also staff members may never see some of their colleagues again. It is important that business leaders maintain an atmosphere of positivity in the work environment to ensure maximum productivity. Management needs to attend to the concerns of employees in a sensitive manner especially during this period. Businesses need to be more human than ever before in relating with team members to get the best from them.

Possible stepping stones

The Covid-19 situation has helped many businesses create more productive work routines and also rethink what is important and what is not. For companies who the majority of their workforce can work remotely, it may help save the cost of acquiring large office spaces and other infrastructure.
Another thing the pandemic did was to force companies to better the communication between employees and management. The importance of effective communication at work has been realized by many business leaders and it is only wise to not relax it post Covid-19. The quarantine has seen many organizations communicate much more frequently with their staff over the last couple of months than they did before the lockdown. Keeping the lines of communication open between leadership and staff will ensure increased productivity.
Positive health practices have also been reinforced in many businesses as a result of the pandemic.

How to avoid post quarantine stress

The transition back to the regular office work may be very stressful if care is not taken. The secret to return to normal work in a stress free manner is to have effective short term and long term plans in place for the safety of workers and for the productivity of the organization. Many things have been learned over the last couple of months and new ways of doing things have emerged. Organizations should incorporate these lessons learned into their back-to-work plans.

Should remote work take the day?

Working remotely has been the only option for many businesses since the pandemic, but should this trend continue after the lockdown has been lifted? Should remote working take the place of working centrally? Truth is remote work should be seen as an option and not as a policy.

Why it may be more productive to work from the office

There are many reasons why it may be more profitable for companies to work in the office rather than work remotely.
One of such reasons is a sense of community. Working in an office space creates an air of camaraderie and it goes a long way in ensuring that the work cultures of organizations remain entrenched in workers. When teammates only communicate via video calls or chat, it dampens work culture and that sense of community as a result of being physically in the same place is lost as well.
There are more distractions working remotely than working in an office environment. Because of this, work that should take two hours to complete in an office setting without distractions may take well over five hours to accomplish when done at home due to various distractions and lack of supervision. For a lot of employees who can work efficiently without supervision, working remotely may not be so much of a bad thing but what of those who need to be monitored closely before they can deliver?
Another reason why working in the office is more profitable than remote work is that work can be managed more easily and the productivity of workers can also be better evaluated. Workers can also be held accountable more effectively if they are working in an office. Remote work on the other hand may not be as easy to manage as many of the traditional management strategies won't work with a remote team. It is quite harder to hold remote workers accountable.
Security issues are a major concern when it comes to working remotely. Theft of company hardware and sensitive data is a big source of worry. It may be more profitable to keep some sensitive information and hardware within the confines of an office building where they are relatively safe from physical theft and online hacking.


Returning to work in the regular office environment is of utmost necessity and the fact that remote working has helped manage some things during the quarantine shouldn't mean the demise of regular office work. Remote work should be seen as an option in running businesses and not a replacement of usual office work.
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Back Head Razor Bumps: Here’s How To Get Rid of Them

If you’re reading this now, you probably have razor bumps on the back of your head which are not so pleasant. You’re also probably wondering how to get rid of them.

Razor bumps, also known as Pseudofollicultis Barbae are normally seen in areas of the body where hair has previously been removed either by shaving, tweezing or waxing. Razor bumps are bumps caused by ingrown hairs that get trapped under the skin.

Ingrown hairs develop when instead of hair growing up and out, starts to grow back into the skin. So after shaving, the hair tends to curl and turn inwards. When new skin cells later grow over the hair, it becomes trapped and this causes a bump to form on a skin (razor bumps).

These bumps develop on any area of the body that is shaved; the head, face, underarms, legs and the pubic area.

However, we’ll be learning on how to get rid of back head razor bumps and a few prevention tips to keep near.

How to treat already existing back head razor bumps

Stop Shaving
First and foremost, you have to stop shaving. You need to take a pause as you need to first resolve existing bumps before you continue with your shaving routine. If you don’t do this, you may cause more problems for yourself.

Note however that tweezers should not be used to pull out “ingrown hairs” as this will only lead to damaged or darkened skin.

Make use of a good skin repair and brightening cream product
This will help resolve skin that is darkened or damaged (caused by shaving). A retinoid product is also a great option and it comes in over- the- counter creams, serums, and cleansers. It is not a quick fix as it takes several weeks before it reaches its full results.

A visit to the doctor to prescribe necessary medications for you might be necessary. This will be a medication that can be applied topically, for example, medications containing hydrocortisone, antibiotics or heavy duty retinoids.

The importance of exfoliating your skin cannot be overemphasized if you wish to get rid of razor bumps. On the days before your next shaving, exfoliate the affected area; in this case, the back of your head with a gentle scrub to clean out the pores.

Take care to choose an exfoliant that contains glycolic acid and salicylic acid. They both clear out pores and combat ingrown hairs respectively.

Tips to note to prevent razor bumps

To prevent getting back head razor bumps at all, here’s a few tips to note when next you’re shaving your head.

Space out your shaving routine
Try to reduce the frequency of your shaving. I’m not saying don’t shave but I’m saying you should do so with less frequency. This will reduce the risk of hair too short to grow out of the skin and therefore, decrease the risk of ingrown hairs.

Make use of an electric razor
When next you want to shave your head, neck or beards, try using an electric razor on low setting. This will keep the hair slightly longer and not like when you shave very close to the skin. By so doing, the chances that the hair will turn back into the skin are negligible.

Prepare Adequately for razor bumps
This is one important way to prevent incidence of ingrown hairs and razor bumps. The following are steps to take that will help prevent razor bumps:

Cleanse the skin with a product that contains salicylic or glycolic acid. As earlier mentioned, this will clear out pores and remove dead skin cells from the skin’s surface.
Ensure you only shave your head when it is very wet. You can either do the shaving during or immediately after a shower. An alternative is to place a wet cloth on the spot for 5 minutes before shaving.
A shaving cream or gel is indispensable. Use one that is specific for your skin type to avoid complications.
Steer clear from skin products that contain ingredients that are irritants. They could make your inflammation worse.
Ensure you only use razors that are fresh, sharp and clean. Clean with alcohol before and after use too to keep it free from bacteria.

Try another hair removal technique to curb razor bumps
Many persons however will rather try out a new hair removal technique than shaving. They may wish to try out hair removal creams or depilatories which dissolve hair and serve to reduce the risks of razor bumps. These are not foolproof though as they contain certain chemicals that may cause irritation to some person’s skin.

For someone with red, sensitive or inflamed skin, they should steer clear from these products.

Another hair removal technique is laser hair removal. Although it requires multiple treatments, the advantage is that when hair grows back later, it grows lighter and finer than before.

In conclusion, bear in mind that razor bumps as annoying as they are, are stubborn and can often last weeks. So when treating, be patient.

No need wondering how to get rid of back head razor heads anymore. With proper care, preparation and healthy skin care routine, your back head razor bumps will clear out in good time and will be a thing of the past.

How to cash out on Cash App and transfer money to your bank account instantly

To "cash out" on the Cash App , you simply have to transfer your balance in the app to your linked bank account.

If you aren't familiar with Square's Cash App , it's a peer-to-peer payment app, like Venmo , that allows you to send and receive money with friends and family, without even being in the same room.
Here's how to cash out on the Cash App .
Visit Business Insider's homepage for more stories.
Square's Cash App is a peer-to-peer payment app, like Venmo , that allows you to send and receive money with friends and family, without needing to have cash on hand or even be in the same room. It's perfect for things like splitting bills, chipping in for party snacks, or just splitting a meal.

When someone sends you money on the Cash App , it lives in the app. If you have a Square Cash Card , you can use it like a debit card and spend your balance anywhere that accepts Visa.

However, if you don't have a Cash Card, or would simply rather transfer your balance back to your bank account, doing so is very simple, and can even be done instantly if need be.

How to cash out on Cash App
1. Open the Cash App on your iPhone or Android .

2. Go to the "My Cash" tab by tapping the dollar amount in the middle of your screen.
How to cash out on Cash App
3. Underneath your balance, tap the button on the left that says "Cash Out."

4. The "Cash Out" menu will pop up with your full balance amount autoselected for transfer. If you'd like to transfer less, use the touchscreen on your iPhone or Android to type in the amount.

How to cash out on Cash App
5. Once you've decided how much you want to transfer, tap "Cash Out" at the bottom.
How to cash out on Cash App

6. A pop-up will appear asking how you'd like to deposit the money. If you select "Standard," the money will take one to three days to appear in your account. If you need the money immediately, you can tap "Instant" for a 25 cent fee.

What Happens When All the Bitcoin in the World Has Been Mined?

Bitcoin (BTC) still stands as the most dominant cryptocurrency of all time since its conception in 2009. After its more than a decade of existence in the finance and technology space and crypto market, a lot of individuals and institutions have begun to explore bitcoin’s highly innovative and ingenious functions that can be used for everyday living.

This digital asset is often compared to the leading commodity, which is gold, as both have a number of similarities in terms of features. Say, for example, both assets have a monetary feature and are used to store value. Wall Street even considers the two as “alternative investments.” While both run in different processes, both BTC and gold can be verified easily. Among the most notable similarities of these assets is that they have a limited supply and are acquired through a process called mining.

A quick look at bitcoin mining
While gold and other precious metals are obtained through hard rock mining, which also has various steps and processes, bitcoin, on the other hand, is generated through digital mining. This process is done by individuals called bitcoin miners who secure the entire network and process transactions using high-powered equipment and software specially designed to run the mining procedures.

While miners of gold and other valuable metals break rocks like quartz in search of these precious stones, bitcoin miners crack very complex mathematical equations to get rewards in bitcoin. Unlike gold that is hidden in hard and sturdy materials, bitcoin lies hidden inside data blocks, which are mined using a unique algorithm developed by Satoshi Nakamoto, its pseudonymous creator.

Bitcoin’s fixed supply
Aside from the similarity in the acquisition process, gold and BTC are also considered scarce assets because of having a limited supply. While gold has an unidentified number of tons as a limit, there are only 21 million bitcoins that can be mined and used. But some might ask, “Why is bitcoin capped at 21 million?” Some articles say that Nakamoto intended the unit prices of BTC to “eventually align with traditional fiat currencies.” Setting a limit also gives bitcoin to have anti-inflationary properties.

As of the time of writing, bitcoin sells at over 8,600 USD and has a market capitalization of 158 billion USD. As mentioned earlier, bitcoin’s maximum supply is 21,000,000 BTC. This supply limit is also a factor for this digital asset’s highly fluctuating price. Currently, bitcoin’s circulating supply is 18,239,300 BTC—just over 2,700,000 BTC before it reaches its maximum number of supply. With that, some might wonder what happens when bitcoin reaches 21 million.

After 21 million bitcoins are mined
This might be a thrilling event for all the bitcoin aficionados in the crypto sphere. After all 21 million bitcoins have been mined, will there be no more new BTCs to be generated in the network, or will it be the other way around?

Once miners have generated all coins, there will be no more BTC available for mining. Having additional supply will only be possible if bitcoin’s protocol is altered and allows a more abundant supply. Otherwise, the maximum cap will remain at 21 million bitcoins.

With bitcoin’s supply nearing its limit, what are the possible effects that it can cause to users and the market? Here are some notable possibilities and implications of reaching bitcoin’s supply cap.

Impact on miners
The process of mining bitcoin allows miners to gain rewards for every successful block verified in the network. There are two types of rewards that miners get from mining—a portion of BTC for every confirmed block and incentives that come from transaction fees, which are paid to the miners in exchange for their efforts in processing and verifying each transaction. Higher fees allow miners to gain higher incentives. This is also their basis for prioritizing a transaction in the network. The higher the transaction fee you pay, the faster it is for your transaction to be included in a block.

When all bitcoin has been mined, the miners will no longer receive block rewards since there are no more coins to be generated. They will only earn from the transaction fees to be collected from every confirmed transaction. Miners can continue securing the network since they will still earn from the said fees. However, it is not sure if these fees will be enough for miners to provide sufficient resources for them.

Impact on bitcoin mining and its network
Bitcoin’s price increase also implies an increase in miner’s transaction fees. While this might be considered a piece of good news for bitcoin miners, there is no assurance that the cost of the mining process will remain high in the years to come. No one can tell the future of bitcoin’s technology and how it will work in the years to come.

If the mining process further develops and improves to the point where it is easy and cheap, then this process can also be turned into another business. On the other hand, bitcoin mining is a process that is considered by a lot of jurisdictions to have an adverse effect on the environment due to its high energy consumption level. If bitcoin mining’s energy efficiency improves in the future, miners can consider securing the network and stay in business.

Impact on market price and investment
As we have previously mentioned, there is only about 2.7 million BTC left for mining. When all these have been generated, bitcoin’s supply will be scarce, which would eventually lead to an increase in price.

For investors, this will be great news since bitcoin is a highly volatile asset—with extreme price gains and dramatic falls. This will be an excellent opportunity for aspiring investors to enter the market and try out investing.

When will bitcoin reach 21 million?
Two, three, our four years from now? No one can surely tell when bitcoin will reach its maximum limit. However, according to crypto whizzes, if bitcoin is still used as a currency and still serves the functions similar to fiat money, there is a possibility that it will be highly stabilized.

Being the most popular and leading virtual asset over thousands of others, BTC will be remembered as the asset that cannot be dethroned—not only in terms of market capitalization and price but also for its excellent and worthwhile engagement in the improvement of today’s state of the financial system worldwide.

How to Make Your First Bitcoin Investment?

A burning question that seasoned bitcoin dealers laugh at but newbies tend to sweat at is: Do I have to buy a single bitcoin? The answer is no. You don’t have to buy a full bitcoin as your first digital currency investment.

You don’t have to buy a full bitcoin as your first digital currency investment.

There is no such thing as a minimum bitcoin purchase. However, a Satoshi is the smallest unit of bitcoin; it is one hundred millionth of a single bitcoin (0.00000001 BTC). To put that into perspective, 1 Satoshi is smaller than the 100th fraction of one cent by today’s exchange rate. Even if the value of bitcoin goes up to a million, 1 Satoshi would be worth merely a cent. In today’s world, one Satoshi is worth almost nothing in fiats like USD or EUR.

There are several other units of bitcoin but these are set according to preexisting standards and do not hold any special meaning. They are usually divided by multiples of 10 or 100, depending upon which one people choose to use. The most widely accepted are Centbitcoin (1/100th of a bitcoin), Millibitcoin (1/1000th of a bitcoin), Microbitcoin (1/100000th of a bitcoin), and Finney, which is 100 times more than a Satoshi.

You can buy any fraction of a single bitcoin on Paxful. We connect buyers with willing sellers and upon the agreed arrangement, any amount of bitcoin can be bought. You’ll find that there are many offers starting from 1 USD.

As you can see, there are a number of offers that allow you to buy as little as 1 USD or 1 EUR. There is also a column–to pay on the dollar, it indicates how much worth of bitcoin you’ll get when you pay $1. Sellers often set this amount to cut their losses and make a small reasonable profit for the transactions. The payment methods also affect the price. Typical payment methods like bank transfers have lower fees as compared to methods that may be less common, like Sephora gift cards.

Whole Bitcoin or Fractions—What to Buy?
If it’s not obvious already, there is no major significance in buying an entire bitcoin. Buying a small fraction of a bitcoin will give you the same gain rate as buying a whole one. So we suggest you start buying a small amount before going big on your investments.

Advantages of Buying Small Amounts of Bitcoin
Though your profit won’t be as much, this will cut your losses in case the price of bitcoin goes down.
You can learn to trade before applying your newfound skills for making a higher profit.
You’ll understand how everything works in the bitcoin community at a very low cost.
You’ll find out about rates, margins, and opportunities to arbitrage. This knowledge can very easily be scaled to a higher amount of bitcoin.

Advantages of Buying Large Amounts of Bitcoin
You receive a bigger profit if the price goes up.
A bigger long-term reward for holding onto your bitcoin.
You can sell your bitcoin at retail on P2P platforms for higher margins.
The price of buying a larger amount of bitcoin is usually lower, which means you can resell in small quantities.
Are you ready to make your first bitcoin investment? Visit our Buy Bitcoin page to buy any fraction of bitcoin.

Jp Morgan Chase Bank Rolls Out Own Crypto Coins For Online Transaction

Jp Morgan Chase Bank, banks into the future as they roll out its own cryptocurrency company — Jpm coin which runs on "blockchain-based technology."

JPM Coin by Morgan Chase Bank is an online coin designed to make instant payments using the blockchain technology.
Unlike expected,  JPM Coin can be said as an online coin that represents United States Dollars (A JPM coin is equivalent to one U.S. dollar) and only held in some designated accounts at JPMorgan Chase at the moment. as a matter of fact, JPM Coin does not have a value other than being fast and privacy focused as it is the crypto version of U.S. dollar. It can be as fast as being instantly redeemed When one client sends money to another over the blockchain.

Below is a simple diagram of how JPM coin works

Can I use JPM Coins as an individual consumer?
This Question has been answered by jpmorgan and it reads:

JPM Coin is currently a prototype that will be tested with a small number of J.P. Morgan’s institutional clients, with plans to expand the pilot program later this year. JPM Coin is currently designed for business-to-business money movement flows, and because we are still in a testing phase, we don’t have plans to make this available to individuals at this stage. That said, the cost-savings and efficiency benefits would extend to the end customers of our institutional clients.

10 Things About The UBA Africard Card You Should Know

By  ow, I am sure you must be wondering how freelancers in Nigeria receive payments via paypal and cash same to their Nigerian bank accounts. This is no rocket science because I am about to give you a pro tip on how to go about this.

I actually discovered this trick when my funds were held for 180 days by paypal and I needed to withdraw after they were made available.

The Nigeria UBA Africard has been around for some time, although a lot of people do not know or understand the powerful features embedded in this special VISA card. There’re reason’s why you need to consider the New UBA Africard for online and offline transactions.

If you’re caught in a dilemma about which bank’s prepaid card you should use, take a cold glass of zobo, relax while I unveil the top 10 facts you should know about the New UBA VISA Africard.

1. You do not need an account with UBA to apply for a UBA Africard.
Lots of people think that they need to open an account with UBA to apply for the Africard. No! UBA Africard is a Prepaid Card and not connected to any bank account. However, you’ll need to present a valid Government-issued ID card, A utility bill and a passport-sized photograph to be granted the card.

2. The UBA Card is a Prepaid VISA Card.
The Africard platform is a virtual e-wallet issued by banks for online purchases and offline activities and connected to a plastic VISA Card for offline POS, ATM and of course Web transactions. It’s a separate entity from your bank account and can be funded only through the bank hall or transfer from your UBA account if you have one.

3. You can only fund your Card between 8 am to 4 pm.
It’s good to know that you can only fund the UBA Africard in the banking hall between 8 am and 4 pm. So if you’re in a queue in the banking hall and time is against you, it will be best you walk to the tellers and let them know that you want to fund your Africard.

4. The UBA Africard is VISA Verified.
VISA is an international web power for online transactions, and it lives up to its reputation. Africard is Visa Verified / Verified by Visa. You can enable this option on the user portal when logged in, and this adds an extra level of security to the card transactions.

5. You can withdraw from Any ATMs for Free.
Yes, unlike other ATM Cards the UBA Africard Card has a Zero charge on ATM withdraws. I do not know why this is free, but I do enjoy it as much as you will. Who doesn’t like free things?

6. Where your Debit Card fails internationally, UBA Africard will pass.
This is very important to note; the UBA Africard is accepted on a lot of websites even where a standard credit/debit card fails. I’ve used it to successfully make a payment on sites like Amazon, eBay, Fiverr, upwork, etc.

7. There’s a Naira Africard and Dollar Africard.
Yes, the UBA dollar card was introduced in 2018 as a backup for his Naira counterpart. While you can fund the Naira card with Naira, you can only load the dollar card by walking up to the tellers in the banking hall with dollars. The Naira card works as much as the dollar card and can do almost anything the dollar card can do.

8. You can Withdraw from VISA and Mastercard ATMs around the World.
No limit. The Africard is your excellent travel companion. You can with cash out the local currency in any country you find yourself using your card. You can also pay at any POS point in any country you are. Isn’t that impressive?

9. The UBA Africard is issued instantly.
Yes, you read that right. No complicated processes. Just show up at any UBA Branch near you with your ID Card, Utility Bill and a passport photograph, and in an hour or two, you should have your Africard card activated and ready to use.

10. You can Manage your Card Online.
Interestingly, your card comes with an online portal where you can check balance, print statement, transfer funds to other cards/UBA accounts, revise/rectify transactions, block card, change pin, etc

There are other Prepaid cards in Nigeria from other banks. I’ll write about them when I use and gather enough knowledge to talk about it. For now, let’s rock our UBA Naira/Dollar Africard