4Ward NG sells result checkers to Nigerians at Affordable rates

The one thing that has never stopped growing in this country is small businesses and startups. Somehow, someone out there is crazy enough to come up with an idea, a solution, something creative enough to tackle an issue in the country.4Ward NG

Two young men created something very unique recently. Something we probably overlooked all this while. It’s called 4Ward NG. 4ward.ng is a web application that sells scratch cards and result checkers online, instantly. You click on the card you want (i.e waec result checker), pay with your ATM card, receive the card details on your phone and email.

We all know you have to leave home to buy your GCE and WAEC result checkers at retail prices. 4 WARD NG sells lower than Cafes and your card details get sent to you immediately purchase is made. It is assured you will receive the card details as it’ll be sent via email and sms. So, if you don’t get it in one, you get it on the other or both.

4WARD NG was founded by James John and Okeke Magnus. According to them, food and product delivery is not the only thing we can automate in this country, there are other platforms out there building CBT apps and Exams practice sofwares. 4 Ward NG is here to deliver cards instantly and help make result checking easier

The cards are cheaper than prices anywhere else. You can buy the cards from your couch at Home.

All the cards are delivered to both your phone through SMS and also to your email, instantly. Signing up and usage is free, and they don’t charge any extra or hidden fees. and you don’t have to subscribe for anything. If cards are out of stock, you can request to be notified via email when they are finally in stock. You can buy the cards anytime. The site is online 24/7

How Does It Work?

  1. Visit 4ward.NG on your phone or computer’s browser
  2. Click on the card you’d like to buy
  3. Pay with your ATM card and have it delivered to your email and phone number instantly.
  4. The delivery is sure, as you don’t just receive the card via email, there’s also SMS, for free. See? Easy
  5. Check out 4ward.NG today.


Twitter: @4wardNG

Facebook: @4wardNigeria

Instagram: @4wardNG

The Web app: www.4ward.Ng

8 Items You Can Gift To Your Family Members This Christmas

It is December period, the most wonderful time of the year! The time where family and friends come together to celebrate a special occasion called Christmas. The celebration becomes complete with a lot of food, drinks, sharing of gifts and more.Gift To Your Family Members This Christmas

Christmas is a special holiday when almost everyone gives out gifts to their loved ones. Hence, this is the best time for you to show your family how much they mean to you. The next thing is to think of good and presentable christmas gifts to give to your family members.

Many things may come to mind but the ability to choose what and what gifts may be challenging. Prove your love to them by giving them an amazing gift for the holidays. Are you stumped with regard to coming up with ideas for Christmas gifts?

If so, you are not alone! Most people really panic when Christmas is approaching and they do not have any idea of what to get.
This article intends to give best Christmas gift ideas that you can give to that your special someone this season.

Have A Look At What’s Up For Grabs For Family Members

  1. Buy Food Stuffs: I don’t mean cooked food stuffs. Aside the sharing of cooked food we do during xmas among neighbors, what I mean is that you can present bags of rice, bags of beans etc. to your family during this xmas.Buy Food Stuffs

Jumia Nigeria– Shop Here | Jumia Kenya- Shop Here | Jumia Ghana– Shop Here | Amazon – Shop Here

Insight To Technology Trends In 2016 And What To Expect In 2017

Personally, I’m amazed at the technology we have available to us. It’s astounding to have the power to retrieve almost any information and communicate in a thousand different ways using a device that fits in your pocket.Technology Trends_

There’s always something new on the horizon, and we can’t help but wait and wonder what technological marvels are coming next.

The way I see it, there are seven major technology trends we’re in store for in 2017. If you’re eyeing a sector in which to start a business, any of these is a pretty good bet. If you’re already an entrepreneur, think about how you can leverage these technologies to reach your target audience in new ways.

  1. IoT and Smart Home Tech.

We’ve been hearing about the forthcoming revolution of the Internet-of-Things (IoT) and resulting interconnectedness of smart home technology for years. So what’s the holdup? Why aren’t we all living in smart, connected homes by now? Part of the problem is too much competition, with not enough collaboration—there are tons of individual appliances and apps on the market, but few solutions to tie everything together into a single, seamless user experience.Internet-of-Things

Now that bigger companies already well-versed in uniform user experiences (like Google, Amazon, and Apple) are getting involved, I expect we’ll see some major advancements on this front in the coming year.

  1. AR and VR.

We’ve already seen some major steps forward for augmented reality (AR) and virtual reality (VR) technology in 2016. Oculus Rift was released, to positive reception, and thousands of VR apps and games followed. We also saw Pokémon Go, an AR game, explode with over 100 million downloads.AR and VR

The market is ready for AR and VR, and we’ve already got some early-stage devices and tech for these applications, but it’s going to be next year before we see things really take off. Once they do, you’ll need to be ready for AR and VR versions of practically everything—and ample marketing opportunities to follow.

  1. Machine Learning.

Machine learning has taken some massive strides forward in the past few years, even emerging to assist and enhance Google’s core search engine algorithm. But again, we’ve only seen it in a limited range of applications. Throughout 2017, I expect to see machine learning updates emerge across the board, entering almost any type of consumer application you can think of, from offering better recommended products based on prior purchase history to gradually improving the user experience of an analytics app.Machine Learning

It won’t be long before machine learning becomes a kind of “new normal,” with people expecting this type of artificial intelligence as a component of every form of technology.

  1. Automation.

Marketers will be (mostly) pleased to learn that automation will become a bigger mainstay in and throughout 2017, with advanced technology enabling the automation of previously human-exclusive tasks. We’ve had robotic journalists in circulation for a couple of years now, and I expect it won’t be long before they make another leap into more practical types of articles.Automation

It’s likely that we’ll start seeing productivity skyrocket in a number of white-collar type jobs—and we’ll start seeing some jobs disappear altogether. When automation is combined with machine learning, everything can improve even faster, so 2017 has the potential to be a truly landmark year.

  1. Humanized Big Data. (visual, empathetic, qualitative)

Big data has been a big topic for the past five years or so, when it started making headlines as a buzzword. The idea is that mass quantities of gathered data—which we now have access to—can help us in everything from planning better medical treatments to executing better marketing campaigns.Humanized Big Data

But big data’s greatest strength—its quantitative, numerical foundation—is also a weakness. In 2017, I expect we’ll see advancements to humanize big data, seeking more empathetic and qualitative bits of data and projecting it in a more visualized, accessible way.

  1. Physical-Digital Integrations.

Mobile devices have been slowly adding technology into our daily lives. It’s rare to see anyone without a smartphone at any given time, giving us access to practically infinite information in the real-world. We already have things like site-to-store purchasing, enabling online customers to buy and pick up products in a physical retail location, but the next level will be even further integrations between physical and digital realities.Physical-Digital Integrations

Online brands like Amazon will start having more physical products, like Dash Buttons, and physical brands like Walmart will start having more digital features, like store maps and product trials

  1. Everything On-Demand.

Thanks to brands like Uber (and the resulting madness of startups built on the premise of being the “Uber of ____”), people are getting used to having everything on demand via phone apps. In 2017, I expect this to see this develop even further. We have thousands of apps available to us to get rides, food deliveries, and even a place to stay for the night, but soon we’ll see this evolve into even stranger territory.

Everything On-Demand
Video on demand VOD service on TV, television concept.

Still, it pays to forecast what’s coming next so you can prepare your marketing strategies (or your budget) accordingly. Whatever the case may be, it’s still fun to think about everything that’s coming next.

Netflix launches offline viewing, matching Amazon | Simmyideas Tech Hub

Netflix said Wednesday it would allow offline viewing of streamed videos, a feature long sought by users who want to watch on a plane or to avoid data-connection charges.Netflix

A Netflix statement said that “many of your favorite streaming series and movies” would be available for download and offline viewing on mobile devices.

“While many members enjoy watching Netflix at home, we’ve often heard they also want to continue their ‘Stranger Things’ binge while on airplanes and other places where internet is expensive or limited,” said a blog post from product innovation chief Eddy Wu.

“Just click the download button on the details page for a film or TV series and you can watch it later without an internet connection.”

Netflix did not offer details on how much content would be available offline, noting that it was in discussion with copyright owners.

“Netflix is working with lots of partners globally to get downloading rights for the bulk of the content on our service,” a statement emailed to AFP said.

“This is an ongoing effort as we know consumers want this capability and we are working to provide it.”

Netflix, which is in a global push and has more than 86 million members, is facing increasing competition from rivals including Amazon, which also is in the midst of an international expansion of its streaming service.

Amazon already allows downloads of videos — noting that some content is restricted by copyright holders in terms of offline viewing.

Netflix users had been unable to download and view videos offline through its mobile application, but workarounds had been offered by third-party apps.

Recession: Expert calls for economic diversification through ICT

Prof. Adenike Osofisan of the University of Ibadan has called on the Federal Government to leverage on the opportunities presented by Information and Communication Technology (ICT) sector to diversify the economy.ICT-Complete

Osofisan made this call during a paper presentation at the ongoing 9th Annual Forum of Laureates of the Nigerian National Order of Merit (NNOM) in Abuja on Wednesday.

The professor, who is also the Director, the University of Ibadan Business School, said that if well harnessed, ICT would provide new ways through which the economy could be diversified.

According to her, the emergence of ICT has created tremendous impact in the development of any nation, which Nigeria can also take advantage of.

She said that the ICT sector in Nigeria had continued to boost efforts in job creation on an average of about 12 million jobs from 2012 to date.

Osofisan said that in recent times, ICT had given rise to the direct job creation by increasing and improved business process innovation.

She said that ICT had also provided the emergence of new services and industries while contributing to the growth of the country’s Gross Domestic Product (GDP).

“In recent times, ICT has provided immense contribution to the development of the country through its role in the area of job creation.

“Prominent new jobs that have been created including website development, mobile application development and email marketing specialists, among others.

“Companies now use mobile application to increase their incomes and create more opportunity for self employment as it is now lucrative business for the youths.

“What this means is that people can be self reliant and more money can be generated while increasing the country’s GDP,’’ she said.

She said that the National Information Technology Development Agency had been committed to ensuring that ICT contributed to at least 15 per cent increase within three years.

In the area of agriculture, she said that ICT had provided tools for empowering farmers to take informed and quality decisions which had positive impact on the way agricultural activities were conducted.

She noted that the application of ICT in the Tourism and Hospitality Industry, Health Care and Education sectors had impacted greatly on social, human and economic development of the country.

Osofisan , however, called on the government to create an enabling framework that would support the initiatives and projects to drive the diversification in ICT.

“ICT economic diversification strategies will succeed if and only if the right kind of enabling framework is put in place.’’

FG never authorised NCC to hike price of data- Information Minister

The Federal Government on Wednesday dismissed claims that it directed telecommunications operators to increase the price of data subscriptions by December 1.price of data

Reports had it that effective from tomorrow (Thursday) Nigerians will begin to pay more for data services.

Reacting to the reports, the Minister of Communication, Adebayo Shittu, while featuring on RayPower FM’s Fact File programme, said he was never a party to the planned tariff hike for data.

Insisting that government did not authorise telecoms operators to raise the tariffs, Shittu assured Nigerians that the government would look into the matter and that it would continue to protect their interest.

Shittu said, “There are reasons for what they have done. The reasons, I’m sure, will not be political; the reason will be more of logistics and all of that and as you have requested me to do I will do that.

“But I want to say that I was not privy to it, I was not party to it. Government never gave any such instruction and the government, as the representative of the people, have never done that; that the voice of Nigerians must not be muscled.

“This government came into the democratic process and it has a duty to continue to protect the interest of Nigerians and I can assure you, we will do that and we will do the needful in protecting the rights and privileges of Nigerians.”

On the issue of unsolicited text messages by telecom operators, Shittu said “About six months ago I had cause to invite all the telecom operators and virtually read the riot act to them. If that has not been done I can assure you it will be done. We are concerned about the interest of Nigerians.

“We are concerned that Nigerians should not be taken for ride. As the minister of communications, I’m also a victim just like every other Nigerian. I also suffer the same fate as telecom operators, so let me assure you that we will redouble our efforts to curtail the excesses of the telecom operators.”

Recall that barely three hours after the Senate passed a resolution asking telecommunications service providers to stop the planned increase in data tariffs, the Nigerian Communications Commission, NCC, announced the immediate suspension of the proposed new tariff.

Telecommunication workers fault CBN gov for urging call tax

The Nigeria Union of Postal and Telecommunication Employees on Tuesday faulted the Central Bank Governor, Mr. Godwin Emefiele, for advising GSM service providers to tax calls above three minutes.mast-telecoms

NUPTE President, Sunday Alhansan, told the News Agency of Nigeria in Abuja that the tax would worsen the economic problems being experienced by Nigerians.

Emefiele had suggested that Federal Government should impose taxes on phone conversations that last more than three minutes, as a way of generating revenues.

The CBN governor said that the tax would cushion the effects of the economic recession and could raise additional revenue for the country.

Alhassan said the suggestion is “counterproductive.”

“The people you want to tax are also affected by the recession; and if you say that they are to be taxed, definitely you are asking people to stop making calls.

“And when they stop making calls, the GSM operators are going to be affected and once they are affected, there will be drop of some of their lines.

“What is going to happen is that they are going to sack their workers.

“So, that is why such a suggestion should not be brought up in the first place because it will cause more harm than good to the people,’’ he said.

Alhassan called on the Federal Government not to listen to any neo-liberal advice that would expose Nigerians to further hardships.

He called on the government to fashion out innovative ideas of creating sustainable employment that would bring succor to the people and not by taxing citizens the more.

“What we are telling the government is that it should look for succor for the people, the common man is not finding it funny.

“Our advice is to stop this idea of imposing tax on calls above three minutes, as it is not going to do anybody any good,” Alhassan said.

He advised government to look at ways of utilising looted funds that was returned to its coffers for economic development.

Uber Technologies Inc, Ola services close to regulatory clearance in India

India is set to clear the ride-hailing services of Uber Technologies Inc. and Ola by issuing guidelines to make them legal, according to a person with knowledge of the matter. Uber Technologies Inc

The companies will need to get the software used to calculate fares validated while keeping their luxury car category outside tariff rules, the person said, asking to not be identified as discussions are private. A court affidavit could be be filed in Delhi as soon as this week to provide consistent regulations for startups and traditional taxi operators, the person said.

Ride-hailing has exploded in popularity and turned the traditional taxi industry upside down as regulators scramble to develop a framework for operators. India, alongside China and the U.S., comprise the world’s three largest markets for such startups as Uber and Ola pour hundreds of millions of dollars into the country with the backing of investors such as Alibaba Group Holding Ltd., SoftBank Group Corp. and Tiger Global Management.

With a lack of clear national rules, ride-hailing companies have had vehicles seized and drivers fined even as their services fanned out to more than 100 cities. In India, traditional cab companies and taxi unions have stepped up strikes and protests against cab aggregators and their cut-throat fares.

Thanksgiving and Black Friday store sales fall, but online rises

Sales and traffic at U.S. brick-and-mortar stores on Thanksgiving Day and Black Friday declined from last year, as stores offered discounts well beyond the weekend and more customers shopped online.

Thanksgiving Day and Black Friday
Women sit outside after shopping at Macy’s Herald Square store during the early opening of the Black Friday sales in Manhattan. REUTERS/Andrew Kelly

Internet sales rose in the double digits on both days, surpassing $3 billion for the first time on Black Friday, according to data released on Saturday.

Data from analytics firm RetailNext showed net sales at brick-and-mortar stores fell 5.0 percent over the two days, while the number of transactions fell 7.9 percent.

Preliminary data from retail research firm ShopperTrak showed that shopper visits to such stores fell a combined 1 percent during Thanksgiving and Black Friday when compared with the same days in 2015.

The data highlights the waning importance of Black Friday, which until a few years ago kicked off the holiday shopping season, as more retailers start discounting earlier in the month and opened their doors on Thanksgiving Day.

“We knew it (holiday season) was going to be off to a slow start,” Shelley Kohan, vice president of retail consulting at RetailNext, said.

“The first couple of weeks with the election were a complete distracter from the normal course of business and…a warmer climate in November may have made the sales more stubborn,” she said, adding that she saw sales picking up in December.

Net sales on Black Friday slid 10.4 percent for brick-and-mortar chains, according to RetailNext.

“Stores that opened on Thursday were not very busy on Black Friday,… and while the Thanksgiving Day opt-outs were busier on Black Friday, they didn’t see the crowds they saw in previous years,” NPD group’s Chief Industry analyst Marshal Cohen said.

Online sales shine

Still, total holiday season sales are expected to jump 3.6 percent to $655.8 billion this year, according to the National Retail Federation, due to a tightening job market.

Unemployment rates hit their lowest in eight years in October and hourly wages this year saw their biggest increase since 2009, boosting consumers’ confidence and spending.

Consumers are expected to spend $636 on average on holiday purchases this year, up 3 percent from their 2015 spending plans, according to NPD.

Thanksgiving and Black Friday online sales tracked by Adobe Digital Index were $5.27 billion, up 18 percent from a year earlier and higher than its prior estimate of $5.05 billion.

Black Friday sales rose 21.6 percent to $3.34 billion, with purchases made on mobile devices contributing more than $1 billion in revenue, both record sales for the day.

ATCON faults Emefiele’s call for phone conversation tax

The Association of Telecommunications Companies of Nigeria has described a call by the governor of the Central Bank of Nigeria, Godwin Emefiele, for three-minutes’ call surcharge on telecommunications consumers as economically wrong.mast-telecoms

ATCON President, Mr. Olusola Teniola, told newsmen in Lagos on Saturday that the proposal was technically and economically wrong.

Emefiele had suggested that government should impose taxes on phone conversations that lasted more than three minutes as an alternative source of revenue for it.

Emefiele suggested this option during the 2016 Annual Bankers’ Dinner organised by the Chartered Institute of Bankers of Nigeria.

He also suggested the introduction tax on properties as a way of increasing revenue for the government.

Teniol said that the stakeholders in the telecommunications industry were not consulted on the issue before the pronouncement.

He said, “Contrary to the CBN governor’s believe, it is the poor people who make more calls than the rich.

“So, the proposal is not targeted at the middle or higher class.

“I have not seen any industry where you don’t want people to use your products or services more.

“We want people to be speaking longer.”

Teniola said that the CBN governor’s proposal that people should cut their phone calls after three minutes had not been founded on any theory.

He said, “In fact, you will now see that people will be cutting their calls.

“It does not make sense, not only technically but economically, to apply that kind of thinking as a tool or solution out of the present economic recession, it is not going to work.”

He said that ATCON had already proposed to the Senate a one per cent VAT increase across all sectors.

He said, “This is a more realistic measure toward getting more revenue for the government.”

The ATCON president said that the ICT industry had been envisaged to help the country gets out of recession.

“But the sector should not be killed with over taxation,’’ he said.

He suggested other ways the country could raise additional revenue to finance the increased expenditure that could engender fast and sustainable growth of the economy.

He said, “I think we can consider introducing a negligible telecom surcharge to be entirely borne by the initiator of a call in order to protect the poor and vulnerable amongst us.

“We could structure it to only take effect after the third minute of talk.

“Some analyses have indicated that the government could earn about N100 billion per annum from this alone.

“Obviously, this surcharge will mainly be borne by middle and upper class people since I do not know many poor people who make calls for more than three minutes.”