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.
https://paxful.com/blog/dont-buy-whole-bitcoin-first-investment/

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

Source: https://www.toomakesense.com/2019/08/cryptocurrency-jp-morgan.html
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

Smart Ways to Make Money in Nigeria


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Despite being the largest economy in Africa and having an ever-growing GDP, Nigeria suffers from persistent double-digit inflation rates that lead to their currency plunging in value. Moreover, the lack of jobs contributes to Nigeria’s striking unemployment rate as high as 23.1% in late 2018 – which was nearly a quarter of the population without jobs!


The good news is that even though there might not be full-time jobs for you out there, you can create your own.

We don’t want your talent to go to waste, so we’ve gathered 30 ways you can make money without having a job.

How can I make money online in Nigeria fast?
With access to a computer and working Internet connection, you are already halfway to making money online. The rest is just to find appropriate channels that will pay you for your time:

Trading bitcoin
When high inflation rates and inaccessibility to banks make it insensible to deal with naira, it’s the perfect timing to look into cryptocurrencies as an alternative as these digital assets are decentralized, unaffected by economic recessions, and can be traded instantly.

Using peer-to-peer marketplaces such as Paxful, you can obtain bitcoin in various ways including but not limited to gift cards, PayPal or cash deposits, etc. Play around with exchange rates, bitcoin’s prices, and foreign exchange rates and you can make a big profit.

Paxful’s Affiliate Program allows you to earn a 50% commission on the escrow fee every time one of your direct referrals makes a trade. Let your money snowball!


Difficulty: Medium; Speed: Instant

Join Paxful and start trading bitcoin.

Offering feedback on websites and apps
Websites aren’t born perfect. The popular websites we use now have gone through generations of modifications and remodifications – from feedback given by users.

Help out the next tech giants by spending 10-20 minutes to navigate their website and tell them what you think about it. Giving feedback on their questionnaires or tasks can earn you up to $60 per test through sites like UserTesting.

Difficulty: Easy; Speed: Fast

Taking online surveys and watching videos
There are more easy ways than watching videos to make quick money online. On InboxDollars, brands have paid users over $56 million worth of cash rewards to take online surveys, read emails, play video games and watch videos – and offered coupons for grocery stores, or freebies from top brands in exchange.

Besides the money, what you’re doing is meaningful and reciprocal. Your responses on surveys will help big brands better design their products that match your interests, which you – the end-user – will enjoy eventually.

Difficulty: Easy; Speed: Fast

Playing trending video games
While other apps pay you for playing small and perhaps repetitive games on your phone, Mistplay actually lets you play cool and famous games for gift cards. Some popular games that they offer include Words With Friends 2, Yahtzee, Clash Royale, Star Wars, etc.

The more games you play, the more you get rewarded. And guess what? Besides Amazon, Starbucks and Google Play gift cards, you can also receive your rewards for Xbox, Nintendo, and PlayStation – time to play even more games!

Difficulty: Easy; Speed: Medium

Searching online for your next purchase
You may not believe me, but search engines probably know you better than your closest family members or friends do. Every question you want an answer to, or product you’ve wanted to buy for ages all become a result on a search page – and search engines are willing to pay now to understand these customer behaviors!


On Qmee, whenever you search, some sponsored results with price tags showing you how much you’ll earn by clicking on it will come up. You can click on them to receive rewards immediately, or use Qmee’s coupons and deals available to save on your next shopping spree.

Difficulty: Easy; Speed: Fast

How to make money in Nigeria as a student?
Although the above game plans to make money fast are legitimate, it may take a couple of weeks or months before the profit is big enough to buy a few meals. In this section, we are going to show you a few ways that, although it may take a longer time, give you much more in return.

Teaching English online
It feels great to use an existing skill to make an impact on other people’s lives, while making some extra cash, no? Sites like TeacherOn connect potential English teachers with students who speak English as a second language. Once signed up, you can set your own hours and start teaching wherever you are. Everything is done online, and you work according to your own schedule.

Teachers can earn up to 10,000 nairas per hour on TeacherOn, and get to watch your students improve over time – it’s a win-win situation.

Difficulty: Medium; Speed: Medium

Translating materials
Once you log onto freelance websites such as TranslatorsCafe, you’ll be connected with hundreds of thousands of job postings for translation, interpretation, copywriting and editing. Projects on these sites can vary greatly by nature. For example, a project can be done solely online, while another requires an in-person presence. The expertise required for each project can be different too, covering fields such as entertainment, games, medicine, law – to name a few.

If you’re learning a language at school and want to flex your linguistic muscles with some real-life practice, this is the right place for you. Compensation rates are negotiable for some projects – get in touch with the job poster today!

Difficulty: Medium; Speed: Medium

Working freelance in, literally, every expertise
Teaching English and translating/interpreting aren’t the only ways you can make money online as a freelancer. Hop onto websites such as Upwork or Freelancer, and you’ll see that there are job postings asking for help in SEO marketing, coding, video making, copywriting – you name it.

Similar to TranslatorCafe, you’ll need to introduce yourself in a proposal first, then if you’re selected for the job, a message thread between you and the job poster will be initiated. If you work hard enough, you can earn up to hundreds of dollars a week!


Difficulty: Medium; Speed: Medium

Selling your old textbooks for Amazon Gift Cards
We’ve been there and done that; college textbooks are big and heavy and are only used for a semester or two. Once you’ve soaked up all the knowledge from them, why not trade them in on Amazon Trade-In for gift cards that you can then spend on the next textbooks or electronics you need for school? You can check how much your books are worth on their page and guess what? Shipping fees are on Amazon!

Difficulty: Easy; Speed: Fast

Selling your notes
The scribbles you jot down during class aren’t only good for your late-night cram study sessions; upload them online to make a side income! Sites like Nexus Notes and Stuvia are marketplaces where you can list your notes and receive compensation when another student downloads them. Make sure your notes are of high quality and legible though – no one likes to spend 10 minutes to decipher a sentence!

Difficulty: Easy; Speed: Fast


Making voice-over
Each of us has a unique voice. Projects on platforms like Voices.com are always looking for audio talent for commercials, animation, video games, narrators, storytellers, and instructors, etc. The most popular styles that they look for include approachable, authentic, conversational, friendly, and believable. If you’ve got a quiet room and want to see how your voice may deliver ideas, have a go at online acting today!

Difficulty: Medium; Speed: Medium

Delivering parcels on your beloved bike
Do you have a motorcycle and enjoy being on the road? If so, sign up to be a Kwikster on Kwik, a Nigerian on-demand delivery platform. Once your documents and licenses are verified by Kwik, you’ll get your green uniform and start delivering high-quality services. When someone needs your service, you’ll be notified and given time and address to pick up the parcel as well as to send it. Drive safe!

Difficulty: Easy; Speed: Medium

Entering data
We know that as students, you probably have to deal with large amounts of data from time to time for school projects. If you think that you’re detail-oriented and want to actually get paid for entering data, check out websites like Smart Crowd and Clickworker. Users can sign up to complete small tasks under a bigger project, such as data research and data entry. Pay differs from project to project.

Difficulty: Easy; Speed: Medium

Selling goods
All of us have something that we can do without, but something that could very well be someone else’s beloved item. Make some profit from what you own on e-commerce sites such as Jumia and Konga. These two sites are some of the most visited e-commerce websites in Nigeria and allow individuals and small businesses to sell their products.


Difficulty: Easy; Speed: Medium

Completing tasks for big companies
Can you imagine that taking photos at a supermarket or answering questions about a certain product can earn you money? Big companies now take market research to a different level and are willing to pay you through tasking apps such as FieldAgent and BeMyEye, if you’re also willing to complete on-demand tasks. These tasks usually take about 8-10 minutes and pay USD$3-12 each. Not bad if you’re shopping anyway and need some subsidy on your groceries!

Difficulty: Easy; Speed: Fast

Scanning barcodes from your grocery shopping
Going from a similar token, the National Consumer Panel does intensive market research for big brands, and now they’re wondering what you buy every time you visit a supermarket or a mall. What you tell NCP will be very useful for companies to understand consumer behavior – help your favorite brands create even better products for you! You’ll be awarded points for each bar code you scan from your purchase, and the points will accumulate and become gift cards eventually.


Difficulty: Easy; Speed: Medium

Renting out your dorm for films
If you have consulted with your roommates and they are okay with renting out your guys’ room as a potential film set, list your room on JJMedia Group today! You never know, your dorm room might become the center stage of Nollywood’s next equivalent of Pitch Perfect!

Difficulty: Easy; Speed: Medium

Investing through a user-friendly app
Although investing may sound daunting for a twenty-year-old, it’s actually not that undoable with Acorns’ help and easy navigation. This app has a “round-up” feature, which drops 77 cents to your Acorns account when you spend $10.23 at the grocery store, for example. The $1 monthly membership fee is also waived if you’re a student under 24 and have a .edu email address. Get ready to save up to hundreds of dollars a year with the app!

Difficulty: Easy; Speed: Medium

Earning cash back rewards
After learning about Rakuten cashback rewards, you probably won’t buy any original-priced products ever again. Not only do you get discounts off popular brands such as Amazon and Macy’s, but also receive a cashback balance – you can choose to have your free money from Rakuten paid through PayPal or by a check. Seriously? You get money back for spending money now? I’m in. Join others in saving hundreds, or thousands, of dollars a year!


Difficulty: Easy; Speed: Fast

Selling your photos
Instead of posting your photos on Instagram for feel-good likes, turn them into a means of income by uploading them to Foap. If someone wants to use your photos, they’ll pay you for licensing, and you’ll earn half of that licensing fee every time they sell with the help of your photo. Your pocket money can really snowball with just a snapshot of your food, winter boots, holiday season celebrations and whatever that’s in demand.

Finally, visit paxful to trade BTC and giftcards https://paxful.com/blog/make-money-in-nigeria/

Does cash App work In Nigeria : Cashapp Review


Does cash App work In Nigeria : Cashapp Review
Category: PayPal Nigeria

Before you even go on searching with queries such “Does Cash App work in Nigeria”, Where To Buy Verified Cash App Account ❓, you must have learned exactly how cashapp works but only want to know if it’s supported in your country Nigeria before you go ahead to start using the app.

📢Read Also:
How to withdraw from Payoneer account in Nigeria
Perhaps you must have wanted to download the app from Google Playstore but didn’t get the download button with the response that your region is prohibited.



So if you still wondering with the question “does cash app work in Nigeria”?. am sure the above screenshots from Google Playstore answered it all as “No” Nigeria isn’t a supported country.

However, this doesn’t mean that Nigerians aren’t using Cash app. They are using it with styles and tricks which am definitely going to show you here today. Before we continue, let’s understand What’s Cashapp and how it works.

How does Cash App works
📢Read Also:
How to withdraw from PayPal in Nigeria at the Rate of 365/$
The truth is that cash app got many functions among which the earning a feature. The whole idea behind cash app is sending and receiving money globally.


While the cashapp referral program allows you to earn when your invited friends participate in using the app.

Automatically, the best and easy way if not the only means to earn from cash app is via referring others. Below is how cash app referral program works

How does Cash app Referral Program Works❓
When you invite a friend with your cash app referral link, you will not earn the $5 commission until your referral carry out a transaction wort $5 or more. And you cannot make payments on cash app without linking your debit Card.

In order words, Your referrals must have their debit cards linked and send at least $5 payment before both of you can then earn $5 each as officially stated on the app ref. Page.

Not to make things too complicated, here’s how we go about it…. Tell your friends to link their cards, send 5$ payment to them and ask them to send it back to you. That’s all. Both of you will earn $5 each as referral bonus. Always remember to preach to your friends about linking their debit cards because without it been linked, there’s no way forward.

How to Join Cash App In Nigeria (Cashapp Registration)
.


Follow below Registration steps to open Cash app account in Nigeria

Download The Cash app-apk
Turn On your ZPN VPN
Launch the app with any location from your VPN preferably US 🇺🇸
Hit the start button, enter your email and continue with the registration process
When done, Edit your profile to fix anything needed such as your CashTag
Upload Your documents where Neded or leave empty and remain limited user
Add or skip the Add Card function
Since this app isn’t supported in Nigeria, before you can make this app work, you need some active VPN services. So let’s get started.

Search Google Playstore and install Ovpn spider on your android phone.


When you try opening the app, You will be prompted to install another app. Install any app the prompt you to install before connecting the other app. The both apps works together. The above app cannot work without the second one.


After the above steps, Download Cash app from any of the Below links since it won’t work via Google Playstore

Now open your Cash app and process your registration while your Location is still active as United States of America.

Samsung Finally Unveils the Galaxy Note 10 Lite and the S10 Lite


After months of speculation and anticipation, Samsung has finally unveiled the Samsung Galaxy Note 10 Lite and the Samsung S10 Lite. Leaks and renders have been surfacing on the web for the past few months and right before CES 2020, the South Korean tech giant drops this announcement. Let’s start with the similarities, both phones come with 6.7″ full HD+ Infinity-O displays(394 PPI), feature 4500mAh batteries that have 25W fast charging support and come with Android 10(just like the Samsung Galaxy A51 and A71) and One UI 2 baked in.
Samsung Galaxy S10 Lite
Samsung S10 Lite
Powering the Samsung S10 Lite is a 7nm octa-core CPU chipset(it is unknown which one)running at 2.8GHz, 2.4GHz and 1.7GHz with either 6 or 8GB of RAM and 128GB of onboard storage expandable via external microSD card.Samsung Galaxy S10 Lite


When it comes to optics, the Samsung S10 Lite comes with a triple rear setup(rectangular corner camera bump) that includes a main 48MP shooter, 12MP ultra-wide(123 degrees FOV) lens and a 5MP macro shooter. For selfies, the Samsung S10 Lite comes with a 32MP front-facing punch-hole camera. You also get Samsung’s Super Steady OIS for the main shooter which makes the phone the first device to get this feature that will offer even better stabilization for action-focused photos and videos than the Samsung Galaxy Note 10 series and Samsung S10 series which were launched last year.

Samsung Galaxy Note 10 Lite
The Samsung Galaxy S10 Lite will come in Prism White, Prism Black and Prism Blue colours.

Samsung Galaxy Note 10 Lite
Powering the Samsung Galaxy Note 10 Lite is a 10nm octa-core CPU chipset(it is unknown which one- probably Exynos 9810) running at 2.7GHz, 2.7GHz, 1.7Ghz and 1.7GHz.


You get the same RAM and storage configuration as the S10 lite – either 6 or 8GB of RAM and 128GB of onboard storage expandable via external microSD card.

For cameras, there’s a triple rear setup that features a 12MP main shooter, 12MP ultra-wide lens and a 12MP telephoto lens. For selfies, you get a punch-hole 32MP selfie camera.

There’s also an S pen with Air command support.

The Samsung Galaxy S10 Lite will come in Aura Glow, Aura Black and Aura Red colours.Samsung Galaxy Note 10 Lite


“The Galaxy S and Galaxy Note devices have met consumer wants and demands around the world. These devices represent our continuous effort to deliver industry-leading innovations, from performance and power to intelligence and services. The Galaxy S10 Lite and Galaxy Note10 Lite will introduce those distinct key premium features that make up a Galaxy S and Galaxy Note experience,” Mobile CEO DJ Koh said in a release tied to the news.


Pricing
The Samsung Galaxy S10 Lite will start selling from €649 while the Samsung Galaxy Note 10 Lite will start selling from €599.


Samsung adds that both devices will be on display at CES 2020 which starts this coming Sunday(January 7-10, 2020) in the Samsung booths located in the Las Vegas Convention Center.

Tips To Help You Create A Financial Plan That Works


We ring in the New Year with great optimism in anticipation of improving upon the previous one. Taking charge of one's finances ranks very high on the list of priorities for all of us. Daunting as it may sound, all it takes is a little foresight, time, and discipline to get a rock-solid financial plan in place.
Here are six tips for a financially rocking year:
1. Draw up a plan

Putting your plans on paper is imperative for any financial goal to work. So sit down with a big cup or mug of your favourite beverage and draw up a comprehensive goal sheet.
Account for all your income sources and expenses, investment patterns, and debt obligations. Prioritise your short-, mid- and long-term goals and define timelines for when and how you plan to achieve them.
Related: Financial planning for dummies: A 7 step guide 2. Create a living, breathing budget The financial plan should be a dynamic document that you revisit regularly. It needs to adapt to your (possibly) changing goals, or important life events such as marriage, the birth of a child, or even a medical emergency.


As important it is to look forward, one also needs to look back to assess areas of improvement. Feed in your actionables on your smartphone and email calendar so that you are reminded to evaluate your goal sheet once a fortnight.
Related: The best apps to help you track and save money
3. Make sustainable changes
You don't have let go of all your desires to fulfil a financial goal. The idea of the exercise is to be able to achieve financial freedom. So start with small practical and measurable goals. These small milestones not only make the effort look less challenging, they also act as encouragement for the next landmark.


Track progress regularly to ensure all inflows and expenses are managed adequately and incorporate corrective measures if necessary.
Another important aspect is to separate your wants from your needs. This should help weed out or curb wasteful expenditure and allow for better fund allocation. And if you have a significant other, sibling, or parent who shares a similar financial goal, partner with them to create a robust..
https://www.tomorrowmakers.com/financial-planning/ways-create-brilliant-new-year-financial-plan-topical-article

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