How have you adapted to the changes brought on by the Covid-19 pandemic?
My freelancing income increased by more than 200% during the Covid-19 pandemic.
I was able to adapt to the stay-at-home scenarios of the Covid-19 pandemic by writing as much as I can.
I learned new specialties and discovered new abilities.
In Nigeria, it was a bit tough. But as many businesses go online to serve their customers, we survived by working from home.
This is a contribution to Marcel's post. Unfortunately, I could not post a comment.
True contentment can not be found in wealth, not even in affectionate relationships.
Our hearts will remain empty, hollow, and wanting until true contentment is attained.
Doing God's will brings true contentment. The thing is that our body can never be contented, it is always asking for more.
We can only achieve true contentment when our soul is contented.
Therefore, our focus should be on God through whom we can achieve true contentment.
What was the best compliment you’ve received?
That was when I reached 500 views on WordPress. And it was just a week after I started writing again.
Thus, my best compliment came from WordPress. Thanks to my viewers though.
How has technology changed your job?
AI writing tools enhance my job as a freelancer.
It reduces the time taken to write. The plus is that I have access to keywords.
AI text to images also saves me time in creating images for my articles. Have you tried Canva image ai?
I love technology, it makes my work faster, easier, and lovely.
In a world where distractions abound, this book offers a compass for young individuals striving to lead meaningful lives.
•Discover Your Potential:
Uncover the latent potential within you. This guidebook equips you with insights, practical advice, and real-world examples to channel your unique qualities and passions toward creating a life of significance.
•Overcome Challenges:
Challenges are inevitable, but as a Youth of Substance, you’ll learn to navigate them adeptly. Gain strategies to conquer adversity, make informed choices, and remain committed to your core values despite societal pressures.
•Lead with Impact:
True leadership transcends titles; it’s about making a positive impact. Delve into leadership principles that focus on leading by example, serving others, and leaving a lasting imprint on your community.
•Embrace Authenticity:
You’re not just a statistic; you’re an individual with the power to shape your destiny. Learn to stand out authentically, celebrating your uniqueness and contributing your distinct voice to the world.
•Transform through Commitment:
Experience the transformative power of commitment to personal growth, ethical living, and a higher purpose. Cultivate character, resilience, and a strong moral compass.
•Create Meaningful Impact:
Your presence here is intentional. Explore how to influence your surroundings, from effecting positive change to being a source of light in a world that seeks it.
Whether you’re a young person seeking purpose, a guiding mentor, or anyone eager to make a positive impact, “Youth of Substance” serves as your blueprint for a life that matters. Let these pages inspire, challenge, and empower you to embark on a journey of substance and purpose. Your voyage toward becoming a Youth of Substance commences now.
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What’s a secret skill or ability you have or wish you had?
In the realm of personal talents and aspirations, we often find ourselves harboring secret skills and latent abilities that shape our perspectives and ambitions. Just as the facets of a diamond remain concealed until the right light reveals their brilliance, our secret skills often remain tucked away until circumstances unveil them.
As a freelance content writer, I have observed the profound impact of one’s concealed abilities in shaping unique approaches to work and life.
For me, my covert skill resides in the realm of perfectionism. This trait influences my approach to breaking down complex subjects into simpler, more digestible forms. Much like a sculptor who chisels away excess stone to reveal the masterpiece within, I meticulously carve out intricate concepts to create easy-to-understand explanations.
This skill allows me to bridge the gap between intricate topics and a wider audience, fostering clarity and understanding even in the most complex subject matter.
Yet, pondering the question of a desired skill unveils aspirations that transcend the boundaries of the present. The allure of understanding all languages, including those spoken by animals and the whispers of nature, emerges as a wish. Imagining the ability to communicate with the creatures that inhabit our world and decipher the symphony of the natural world fills the mind with wonder.
Such a skill could unlock untold mysteries and deepen our connection with the world around us, unraveling the enigmatic conversations that echo beyond human comprehension.
Furthermore, empathy stands as a virtue I aspire to amplify. Stepping into the shoes of others and comprehending their struggles and triumphs, their hopes and fears, is a gift that can transform relationships and foster meaningful connections. As a writer, empathetic prowess would enable me to craft content that resonates on a profound level, addressing the very questions that linger in the minds of readers.
This secret ambition speaks to the essence of humanity, recognizing that understanding and compassion are the cornerstones of effective communication.
In this exploration of secret skills and desired abilities, it becomes evident that these hidden facets are not mere whims, but rather reflections of our innermost desires and values. They mold our identities as professionals, shaping the ways we approach challenges and create solutions.
As a content creator, my proficiency in simplifying complexity, my aspiration to grasp the languages of all life forms, and my longing to amplify empathy all converge to create a tapestry of growth and evolution.
In conclusion, the tapestry of secret skills and aspirational abilities weaves a narrative unique to each individual. As a freelance content writer, the skill of breaking down complexities, the wish for universal language comprehension, and the aspiration for heightened empathy collectively define my journey.
This exploration invites us all to unveil the hidden facets within ourselves, acknowledging that our most treasured skills often lie just beneath the surface, waiting for the right moment to shine.
Digital banking has revolutionized the Nigerian financial industry, making it easier for people to access financial services from the comfort of their homes or offices.
With the growing demand for digital banking services, new players have emerged, providing a wide range of financial products and services to meet the needs of customers.
In this article, we will compare two of the most popular digital banks in Nigeria – Fairmoney and Carbon – to help you decide which one is trustworthy and right for you.
Fairmoney is a digital bank that offers a wide range of financial services, including loans, savings, and insurance products.
The bank’s loans are available to both individuals and small businesses, and they offer competitive interest rates that are based on the borrower’s creditworthiness.
One of the bank’s standout features is its mobile app, which is available on both Android and iOS devices.
The app is user-friendly and allows customers to access their accounts, make transactions, and apply for loans, all from their mobile devices.
Fairmoney also offers a savings account with a competitive interest rate of up to 13% per annum.
The account comes with no maintenance fees or account opening fees, making it an attractive option for people who want to save money.
Carbon (formerly Paylater) is another popular digital bank in Nigeria that offers a variety of financial products and services, including loans, savings, and bill payments.
The bank’s loans are available to individuals and small businesses, with interest rates ranging from 5% to 15% per month, depending on the borrower’s creditworthiness.
Carbon’s mobile app is also user-friendly and allows customers to access their accounts, make transactions, and apply for loans.
The app also comes with a feature that allows customers to track their credit score, which can help them improve their creditworthiness over time.
In addition to loans, Carbon also offers a savings account with an interest rate of up to 10% per annum.
The account comes with no maintenance fees or account opening fees, making it an attractive option for savers.
One of the most important factors to consider when choosing a digital bank is trustworthiness.
Fairmoney is licensed by the Central Bank of Nigeria and is regulated by the Nigerian Deposit Insurance Corporation (NDIC), which means that customers’ deposits are insured.
In terms of customer reviews, Fairmoney has a rating of 4.1 out of 5 on the Google Play Store, with many customers praising the bank’s user-friendly app, competitive interest rates, and excellent customer service.
Carbon is also licensed by the Central Bank of Nigeria and is regulated by the NDIC, which means that customers’ deposits are insured.
The bank has a rating of 4.4 out of 5 on the Google Play Store, with customers praising the bank’s user-friendly app, fast loan disbursement, and excellent customer service.
Both Fairmoney and Carbon offer a wide range of financial products and services, including loans, savings, and bill payments.
However, there are some differences between the two banks that customers should consider when making a decision.
One of the main differences between the two banks is their interest rates.
Fairmoney offers a higher interest rate on savings accounts compared to Carbon, while Carbon offers lower interest rates on loans compared to Fairmoney.
Another difference is the maximum loan amount that each bank offers.
Fairmoney offers loans of up to N500,000, while Carbon offers loans of up to N1,000,000.
In terms of drawbacks, some customers have reported that Fairmoney’s loan application process can be slow compared to Carbon, which offers fast loan disbursement.
On the other hand, some customers have reported that Carbon’s savings account interest rates are not as competitive as Fairmoney’s.
Digital lending banks like Fairmoney and Carbon offer a number of benefits to customers, including convenience, accessibility, and fast loan disbursement.
However, there are also some drawbacks to using these banks.
One of the main drawbacks is the higher interest rates that these banks charge compared to traditional banks.
This is because digital banks have higher operating costs, which they pass on to customers in the form of higher interest rates.
Another drawback is that these banks may not be suitable for people who do not have a stable source of income or who have a poor credit history.
This is because digital banks use credit scoring algorithms to determine a customer’s creditworthiness, which may result in some people being denied for loans.
Microfinance digital banks like Fairmoney and Carbon offer loans to small businesses and individuals who may not have access to traditional banking services.
These banks typically offer smaller loan amounts and shorter repayment periods compared to digital lending banks.
One of the main benefits of microfinance digital banks is that they can help to promote financial inclusion and economic growth by providing access to credit for people who may not have had it before.
However, the interest rates charged by these banks can be higher than traditional banking services, which may make them less attractive to some customers.
Borrowing banks in Nigeria are traditional banks that offer loans to customers.
These banks typically have lower interest rates compared to digital banks, which can make them an attractive option for people who want to borrow money.
One of the drawbacks of borrowing banks is that they may have stricter lending requirements than digital banks, which can make it more difficult for some people to qualify for loans.
Additionally, the loan application process at borrowing banks can be more time-consuming compared to digital banks.
When choosing a digital bank, there are several factors that customers should consider, including interest rates, loan amounts, repayment periods, customer service, and trustworthiness.
Customers should also consider their own financial needs and goals when selecting a bank.
One of the main benefits of using Fairmoney is the convenience and accessibility that it offers.
The bank’s mobile app allows customers to access their accounts, make transactions, and apply for loans from anywhere, at any time.
Additionally, Fairmoney’s competitive interest rates on savings accounts can help customers to grow their wealth over time.
Carbon offers a number of benefits to customers, including security, reliability, and fast loan disbursement.
The bank’s user-friendly app allows customers to track their credit score and manage their finances with ease.
Additionally, Carbon’s partnerships with reputable financial institutions help to ensure the safety and security of customers’ deposits.
In conclusion, both Fairmoney and Carbon are trustworthy digital banks that offer a wide range of financial products and services to customers in Nigeria.
When choosing a bank, customers should consider their own financial needs and goals, as well as the bank’s interest rates, loan amounts, customer service, and trustworthiness.
By doing so, customers can choose the bank that is right for them and meet their financial needs with ease.
If you’re looking for a digital bank that offers convenience, accessibility, and competitive interest rates, consider Fairmoney.
Alternatively, if you’re looking for a bank that offers security, reliability, and fast loan disbursement, consider Carbon.
Whatever your financial needs and goals, there is a digital bank in Nigeria that can meet your needs.
What’s your experience using either Fairmoney or Carbon?
Is there another better alternative?
Comment below.
By their fruit, you will recognize them.
“….. Thus, by their fruit you will recognize them.”
Matthew 7: 20 (NIV) New International Versions
Just as you cannot hide a light in the darkness, you cannot hide your fruitfulness. You do not have to say it for people to see it.
Jesus says in John 15:5 that: “I am the vine and ye are the branches: He that abideth in me and I in him, the same bringeth forth much fruit: for without me ye can do nothing.” (KJV) King James Version
Therefore, the secret of fruitfulness is to become a Born-again Christian. You are to abide in the True Vine, the Lord Jesus Christ.
Thus, to be fruitful, you must have an intimate relationship with God. Your spiritual journey to become a youth of substance; started by first bearing the fruit of repentance.
God is interested in your spiritual fruitfulness, in your physical fruitfulness and in your material fruitfulness. God in Jeremiah 17: 8 says:
“Blessed is the man that trusteth in the Lord, and whose hope the Lord is. For he shall be as a tree planted by the waters…her leaf shall be green…neither shall cease from yielding fruit.” (KJV) King James Version
In Psalm 92: 12, God also says that “The righteous shall flourish like the palm tree: he shall grow like a cedar in Lebanon,”
A youth of Substance is a fruit bearing youth. You are not just a young person, but also a youth full of zeal to bear the fruit of souls. You are in this world to make a difference.
“I ‘am the true vine, and my father is Our Lord Jesus Christ said:
the gardener. He cuts off every branch in me that bears no fruit. While every branch that does bear fruit He prunes so that it will be even more FRUITFUL.”
John 15: 1-2 (NIV) New International Version.
You are to win souls for God. You are alive today because Jesus is hoping to see you bear fruit. A youth that bears no fruit and has no godly substance is not part of the True Vine.
You are a fruit-yielding branch of the True VINE. A youth of substance bears fruit by leading others unto God.
Another fruit you need to bear is the fruit of the Spirit. The fruit of the Spirit include, according to Galatians 5: 22-23, love, joy, peace, longsuffering, gentleness, goodness, faith, meekness, and temperance.
Many youths are not bearing fruit because they are disobedience; they refuse to obey God’s command. Jesus says in John 15: 7-8 that,
“If ye abide in me, and my words abide in you, ye shall ask what ye will, and it shall be done unto you. Herein is my Father glorified, that ye bear much fruit; so shall ye be my disciple.”
Jesus again says in John 8: 31 that, “…If ye continue in my word, then are ye my disciples indeed.”
Thus, your fruitfulness simply lies in living a life of obedience to the word of God.
To become a fruit-bearing youth, you need to be part of the True Vine. You need to be rooted in Christ alone.
When a branch is not fulfilling its purpose of bearing fruit, the branch is be cut and another will take its place. John the Baptist told the Jewish religious leader of his days that,
“And now also the axe is laid unto the root of the trees: every tree therefore which bringeth not fruit is hewn down, and cast into the fire.” Luke 3; 9 (KJV) King James Version.
When you begin to bear fruit, God will continue to prune you by purging you of all impurities so that you can bear more fruits.
You will discover that according to Romans 8: 28 that “All things work together for good to them that love God and are called according to His purpose.”
I have a question for you, have you been living a life of fruitfulness? If your answer is yes, leave a comment below.
If your answer is No, leave a comment below.