How to Survive the Present Economy Challenges

Economically, the chances of survival are very low compared to before when the price of things was normal.

Nowadays,

So to survive the present challenges, you have to do these things:


• Plan yourself ahead of time: With the rapid increase in the prices of goods and services, planning yourself on the way to spend your money is very important. For example, planning how to carry out your spending as a person will help you a lot.


• Have an order of priority: Spend money on things based on your pressing needs. Weigh your needs from top to bottom, and give interest to the ones you can't do without. This will help you to avoid spending money unnecessarily.


• Have a budget: Based on the amount of money you have at hand, write a list of what you want daily, weekly or, sub-weekly and allocate money to each of them. Then, spend the money in line with the prices on the list to avoid unnecessary spending.


• Save up: Learn to save even if you don't have much. Bringing out a certain amount of money for saving will save you every time, most especially when you are in dire need of money in the future. There are many ways to save money (local or modern means). If you always find it very difficult to save, source for legit banking apps that would allow and remind you to save the little or more you have.


• Increase your earnings: If you've always been earning lower before the drastic rise, look out for means of increasing your income. As the prices of commodities rise, your income too should rise. Strive diligently to increase your earnings.

You can always seek professional help on saving. Always review your progress as time goes on to see the areas where you will improve. This will help you to keep track of your spending and how to manage your life as an individual. Ensure that you show up to your line of duty and save more.

Unlocking the Secrets of Blockchain: A Digital Revolution 🌐💡

Ever wondered about the magic behind cryptocurrencies like Bitcoin?

Enter the captivating world of blockchain – the technological wizardry that powers the digital currency realm and so much more!

🔗 The Basics: What is Blockchain?

A digital  ledger that's not owned by a single entity but is spread across a network of computers worldwide.

That's blockchain!

💎 Key Components: Blocks and Chains

These blocks are linked together using cryptographic hashes, creating an unbreakable chain.

It's this chain that gives blockchain its name.

🤔 Why Should You Care?

Blockchain isn't just for tech enthusiasts; it's a game-changer with the potential to revolutionize how we exchange value and information.

Understanding blockchain opens doors to a future where trust and security take center stage in our digital interactions.

In a nutshell, blockchain isn't just a buzzword; it's a technological masterpiece shaping the future of our interconnected world.

So, buckle up and join the journey into the heart of this digital revolution! 🌐🚀

Check this article on Effective tips to ride the block chain wave.

Engage and follow for more insights.

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Cryptocurrency adoption has continued to ride and thrive like a moving train, despite the hurdles that have stood in front of the industry. On a continent that was once believed to be an ancient relic of a primitive time, cryptocurrency has turned out to be of great interest to young Africans. In Nigeria, for instance, there are different perceptions of the industry. Some believe anything that has cryptocurrency in it is a scam, while others believe it is simply a get-rich-quick scheme. Thanks to various organizations and companies that have dedicated their time to organizing events to cure myopia among the African populace, we are getting a better idea of what the industry really is about. Before we get into the topic of the day, let's know what cryptocurrency wallets are.

What Are Cryptocurrency Wallets?

Cryptocurrency wallets are digital wallets used to store digital assets like Bitcoin and Ethereum securely. According to the Coinbase website, "crypto wallets keep your private keys—the passwords that give you access to your cryptocurrencies—safe and accessible, allowing you to send and receive cryptocurrencies like Bitcoin and Ethereum. They come in many forms, from hardware wallets like Ledger (which looks like a USB stick) to mobile apps like Coinbase Wallet, which makes using crypto as easy as shopping with a credit card online."

 Cryptocurrency wallets are not like traditional wallets. Unlike a physical wallet that can be stolen or lost, a crypto wallet is a digital asset that can be easily accessed by hackers if not secured properly. They are computer or mobile software programs that employ an internet connection to connect to the blockchain network of the cryptocurrency you're making use of. Cryptocurrencies aren't just kept anywhere. They are pieces of data saved in an organized database or ledger. These pieces of information are dispersed throughout the database; nevertheless, the wallet locates all the pieces connected to your public address and adds up the total for you via the app's UI.

Using these applications, sending and receiving cryptocurrency is incredibly simple. Several options are available for sending and receiving cryptocurrency from your wallet. The standard procedure is to enter the wallet address of the receiver, select an amount to transfer, sign the transaction using your private key, add funds to cover the transaction fee, and send it.

There are two types of wallets, custodial wallets and non-custodial wallets. Custodial wallets are hosted by a third party, which might be a company that offers high-level data security technologies used by companies to protect and safeguard their data. Some crypto exchanges offer these services to their customers. Non-custodial wallets are wallets where you are responsible for securing your keys. This is the type of wallet that most cryptocurrency wallets on devices use. There are also two categories of wallets: hot and cold. A hot wallet is one that has an internet connection, while a cold wallet does not.

Now that we have basic knowledge of what crypto wallets are, let's explore some of the best practices to keep your wallet safe.
 
1. Choose a Reputable Wallet Provider: The first step in securing your cryptocurrency wallet is to choose a reputable wallet provider. Do thorough research before selecting one, and find out which providers have a strong history of safe operations. Some popular wallet providers to consider include Trust Wallet, Ledger, Trezor, and MyEtherWallet, while you could also consider saving your funds with crypto exchanges like CoinW and Binance.
 
2. Use Two-Factor Authentication: Two-factor authentication adds an extra layer of security to your wallet. It requires you to enter a code generated by an app or sent to your phone before accessing your wallet. This can help protect your wallet against hacking attempts.
 
3. Keep Your Private Keys Safe: Your private key is like the password to your cryptocurrency wallet. If someone gets hold of it, they can easily access your funds. Never share or store your private key online. Instead, store it on an offline device like a hardware wallet or a paper wallet.
 
4. Use a Strong Password: A strong password should be complex and contain a mix of uppercase and lowercase letters, numbers, and symbols. Avoid using easy-to-guess passwords like your name or birthdate. Change your password regularly and do not use it on any other online accounts.
 
5. Keep Your Wallet Software Up-To-Date: Keeping your wallet software up-to-date is important because it ensures that any security loopholes are fixed. Developers often release updates to address any vulnerabilities identified in the previous version.
 
6. Backup Your Wallet Regularly: If you lose access to your wallet or forget your password, a backup can save you. It is important to store backups of your wallet on other devices in case your primary device is damaged or lost.
 
7. Be Cautious of Phishing Scams: Phishing scams are common in the cryptocurrency space. Fraudsters often send fake emails and messages asking for your private keys or other sensitive information. Always verify the authenticity of any email or message before responding.
 
In conclusion, securing your cryptocurrency wallet requires a bit of effort, but it is worth it to protect your assets. By following the best practices outlined above, you can help keep your crypto wallet safe from hackers and other types of security breaches.

In today's fast-paced world, where time is of the essence, delivery services have become a vital component of the modern lifestyle. Nigeria, a country with a rapidly growing economy and a thriving e-commerce sector, has witnessed a significant rise in the popularity of delivery as a service. 

This article delves into the advantages and drawbacks of this phenomenon, shedding light on how it has revolutionized convenience for consumers while posing challenges to businesses in Nigeria.

The Rise of Delivery as a Service in Nigeria:

The advent of technology, coupled with the increasing accessibility to the internet, has paved the way for the growth of delivery services in Nigeria. From food delivery to e-commerce packages, consumers now have the convenience of receiving goods and services at their doorstep, saving time and effort.

 What's Delivery as a Service (DaaS)? It's a relatively new business model that has emerged in the Nigerian market in recent years. This model involves outsourcing delivery logistics to a third party provider, allowing businesses to focus on their core operations while leaving the delivery of goods to experts. DaaS has given rise to new opportunities for entrepreneurs in the delivery sector. This is especially with the emergence of Kwik Pik  delivery services in Nigeria. 

Pros of Delivery as a Services

1. Convenience: One of the most prominent advantages of delivery as a service is the convenience it offers to consumers. With just a few clicks on a mobile app or website, customers can place orders from the comfort of their homes or offices, eliminating the need to travel to physical stores.

2. Time-saving: Delivery services in Nigeria have drastically reduced the time required to obtain goods and services. Consumers can now receive their orders within hours or even minutes, depending on the proximity and availability of the service. This efficiency has made it possible for individuals with busy schedules to meet their needs without sacrificing their valuable time.

3. Accessibility: Delivery services have bridged the gap between businesses and consumers, particularly in remote or underserved areas. This accessibility ensures that individuals living in regions with limited access to goods and services can now enjoy a wide range of products without the need for long-distance travel.

4. Job Creation: The rise of delivery as a service in Nigeria has led to the creation of employment opportunities, particularly in the logistics sector. From delivery drivers to warehouse staff, this industry has become a significant source of income for many individuals, contributing to the country's economic growth.

Cons of Delivery as a Service:

1. Cost: While delivery services provide convenience, they often come with additional charges. Consumers may have to pay delivery fees, and in some cases, prices for products may be inflated to cover the cost of delivery. This can be a deterrent for price-sensitive customers, limiting their ability to utilize these services frequently.

2. Infrastructure Challenges: Nigeria's vast geography and underdeveloped infrastructure pose challenges for delivery services. Poor road networks, traffic congestion, and inadequate addressing systems can lead to delays and complications in the delivery process. This can negatively impact the reliability and efficiency of the service.

3. Security Concerns: Delivery as a service entails entrusting personal information, such as addresses and payment details, to the service providers. While efforts are made to ensure data protection and security, there is always a risk of data breaches or unauthorized access, which can erode consumer trust and confidence in the service.

4. Inability to track goods being delivered: There’s a common concern from clients in the area of not being able to track the delivery agent’s dispatch rider, so as to know the possible time frame that the goods will be delivered. This is because most of these dispatch rider can only mostly be contacted via a phone call and hence whatever the rider tells you about his location is what you have to belief.

In conclusion, delivery as a service has undoubtedly transformed the way Nigerians access goods and services, offering speed, convenience, and accessibility. While there are clear benefits, such as time-saving and expanded job opportunities, challenges remain. Businesses and policymakers need to work together to address issues such as infrastructure development, cost management, dart in package tracking and security measures to maximize the benefits and mitigate the drawbacks.

As technology continues to advance, the delivery sector in Nigeria will undoubtedly revolutionize the way Nigerians sends and receives goods thereby striking a balance between convenience and satisfaction cum profitability for both customers and businesses and then enhance economic growth in general for the nation.  At kwik Pik be rest assured that you would enjoy fast, reliable and convenient delivery of your goods and services. Download app from google play and apps store 

   E-commerce has changed the business world into  a digital market.which has been achieved through technological advancements,and increase in small capital start up Businesses.

   There is need therefore a break down of simplified and precise measure to take so as to start up an online business or store

1.Choose what to sell

     this is usually the most difficult task to achieve in starting an online business, because, now there is need to decide by considering several factors,which could include the availability of the product,the desirability of the product e.t.c and this could be a very herculean task.

 2.Evaluate the sellability of your product

    who are the targeted audience for your products and how much are they willing to buy,and at what rate are they buying.its is important that we decide the desirability of the product you want to sell,so as no to invest your capital in products that will stagnate your capital.

3.Availability of the product

   How fast and how easily accessible are your products,don't sell a product that you are not sure where to restock from when you run out of products,and also don't sell products that's their raw materials are relatively scarce.tbis could be detrimental if not thoroughly considered.

4.Thoroughly study your competitors

    Here the SWOT analysis could be very strategic to execute this,so as to have a competitive advantage and not be thrown out of business by your competitors.

 this also helps you to differentiate your business from your competitors business and amplify to your audience the benefits of your own brand overs theirs.

5.Write a business plan

     A business plan helps you bring your ideas together,so as to present your business in a much more organized form.it arranges priorities of a business, highlights the mission of the business,thereby showing potential investors and employees the core values of your brand.

6.Choose a business name and logo

   this is aimed at helping you give your brand it's own distinct identity,and also make it easier for your customers to identify and locate your own brand with complications.

   An online business or store can be very easy and yet complicated to start if the right measures are not taken,so build your brand through these precise and yet simplified ways.

        Knowing that there has been a recent tech awakening across Africa and that youths are more heavily invested in this change,the global economy has felt the impact of African tech personnels, through it's contributions to the tech world.

    *. Africa's high population

This has  been a major factor that has contributed to the impact of Africa's Tech Talent to the global economy, because Africa has a high population,and there has been an awakening in  tech, thereby leading to many Africans going into the tech world.

    *The increase in new tech players in Africa

The massive increase in the growth of tech players from Africa has contributed to the boost on the economy.

     this has also attracted the attention of international companies and venture capitalists (Vcs)to the region to hire tech talents to work in these international companies,and also helped in the funding of tech ideas in the African region.

     *African developers are resilient

Africans are resilient in their pursuit, therefore they tend to learn fast and adapt to any environment they find themselves.this has be confirmed by many international organizations that have African talents in their team.

  *Overcoming obstacles

Tech Talents in Africa have overcome infrastructural challenges to become visible in the global tech stage,these has made their efforts visible in the economy.

Africans train themselves to become world class communicators and software developers.they are independent,agile and self motivated.

Conclusion

As Africa continues to be a major destination for tech investors, with the volume of venture capital flowing into the continent tripling over the past years, software developer openings continue to grow. Tech companies are setting up new offices across Africa and hiring local software developers to fill the available tech roles,Not only does this expansion create more jobs, but it also impacts the economy – both on a local and global scale.  It will be interesting to see the impact African software developers continue to have on the global economy in the coming years.

The current new narrative in the cryptocurrency space has been the Brc-20 and its opportunities therein, it is the existing network on the Bitcoin blockchain and it leverages on the Bitcoin popularity and sovereignty alongside its security and decentralized nature. 

It’s inspired by the Ethereum ERC-20 token standards but with quite a notable difference between the duos, as the former leverages on ordinal inscription on satoshi to create its tokens. While the later uses smart contracts codes built on the Ethereum Virtual Machine (EVM) on the Ethereum blockchain to create its tokens. 

What’s Brc-20 Token Standards?

This is an experimental token standard that uses ordinal inscriptions to enable minting and transfer of fungible tokens on the bitcoin blockchain. Brc-20 token was introduced on the 9th of March, 2023 by a pseudonymous blockchain enthusiast known as ‘Domo’ and on the same day, he launched the first brc-20 token known as ‘Ordi’. 

Since then, there have been about 24,677 of Brc-20 tokens in existence on the network. The current market capital is $472,554,369 with a 24 hours trading volume of $206,705,219 as the time of filing this report. Top meme tokens on brc-20 are the Ordi, with a market capital of $318,000,704 and a price of $15.14 though with an all-time high of $27, others are Oshi and Pepe. There’s usually a limit to be minted per time.  

How is Brc-20 token created?

The brc-20 fungible tokens are created by attaching a Javascript Object Notation (JSON) to satoshi through bitcoin ordinals. This JSON code bit defines every features of the brc-20 tokens such as minting and distribution and the bitcoin network decodes this information once deployed. 

Bitcoin Ordinals: is the systematic numbering and transferring of every satoshi on the Bitcoin network according to its order of issuance. Satoshi is the smallest unit of currency on the bitcoin network, 1 Bitcoin is equals to 100,000,000 satoshis. Other usecases of the brc-20 is the Ordinal NFTs.

Ordinal NFTs are non-fungible tokens and they are created by attaching a digital asset file, e.g. images to satoshi. The brc-20 tokens are minted and spent like any other normal tokens. A bitcoin ordinal wallet is required to mint brc-20 tokens with a limit for each mint. 

Platform needed to interact with Brc-20 network

There are several platforms where one can mint, buy/sell and transfer brc-20 tokens such as on brc-20.io, ordinalswallet.com and unisat.io, though the minting option is yet to be available on the later. Don’t forget that you need to create a wallet with any of them and fund with Bitcoin for gas fees

Opportunities in Brc-20 token networks

Just like in any other blockchain networks, opportunities abound, such as peer-to-peer trading on the network’s exchange as one can decide to be a merchant.

Secondly, arbitrage trading opportunity where one can mint or buy from the brc-20 network exchange at a cheaper rate and then sell in the centralized exchange with some profits. 

And lastly, is the that brc-20 tokens can as well be used for decentralized finance (DeFi) on the bitcoin blockchian, since brc-20 tokens are flexible and so can be integrated into decentralized exchanges, lending protocols and yield farming systems. 

In conclusion, the brc-20 tokens are experimental token standards that uses ordinal inscriptions to enable the minting and transfer of fungible tokens on the Bitcoin blockchain and it has had an eruptic effects on the bitcoin networks within its few months of inceptions, it has had a market capital of $472,554,369 million with about 24,677 tokens already deployed. Opportunities in this network are the P2P and arbitrage trading and the DeFi protocols on the network among others. The brc-20 token network though experimental but seems it has come to stay.

When you think of successful tech entrepreneurs, you might picture a Silicon Valley wunderkind with a computer science degree from Stanford. But in Africa, some of the most inspiring and innovative founders are self-made entrepreneurs who started from humble beginnings.

Take the story of Aliko Dangote, for example. Before he became Africa's richest man, with a net worth of over $11 billion, he sold sweets and chewing gum on the streets of Kano, Nigeria. He eventually went on to build a business empire that spans industries from cement to sugar to telecommunications.

Or consider Bethlehem Tilahun Alemu, who grew up in a poor neighborhood in Addis Ababa, Ethiopia. She founded the footwear brand soleRebels, which has since expanded to over 20 countries and is on track to reach $100 million in revenue by 2025.

These bootstrapped entrepreneurs are not only inspiring, but also crucial to the growth of Africa's tech ecosystem. With limited access to traditional financing, many entrepreneurs have had to rely on their own savings and ingenuity to get their businesses off the ground.

And yet, despite the odds, many have succeeded beyond their wildest dreams. In fact, a recent report by the African Development Bank found that 22% of African startups were profitable, with an average annual revenue growth rate of 17%.

So, what makes these entrepreneurs so successful? For one, they often have a deep understanding of the local market and its needs. Many of them have started businesses that address specific pain points in their communities, from affordable housing to mobile payments to e-commerce.

In addition, bootstrapped entrepreneurs tend to be scrappy and resourceful. They know how to stretch a dollar and make the most of limited resources. And because they don't have the luxury of relying on outside investors, they often have to be creative in finding alternative sources of funding, such as grants or crowdfunding.

Of course, bootstrapping isn't without its challenges. It can be difficult to scale a business without outside investment, and many entrepreneurs struggle with limited access to mentorship and business support services.

But as more and more entrepreneurs like Dangote and Alemu prove, it's possible to build a successful business from scratch, even in the face of adversity.

So, the next time you're feeling discouraged about your own entrepreneurial journey, remember the inspiring stories of Africa's bootstrapped entrepreneurs. They prove that with hard work, perseverance, and a little bit of creativity, anything is possible.

Tunisia, a small country in North Africa, may not be the first place that comes to mind when you think of tech startups. But over the past few years, the country has experienced a boom in entrepreneurship and innovation, with a growing number of startups disrupting traditional industries and solving unique local challenges.

One of the most exciting areas of growth in Tunisia's tech scene is in the fintech sector. In a country where nearly half of the population is unbanked, startups like Paymee and Expensya are helping to bring financial services to underserved communities. Paymee, for example, allows users to make payments and transfer money using their mobile phones, while Expensya helps businesses manage their expenses and streamline their accounting processes.

Another area of innovation in Tunisia is in the field of education technology. With the COVID-19 pandemic forcing schools to close and shift to online learning, startups like GoMyCode and Edumetric have stepped up to provide digital learning solutions for students and teachers. GoMyCode offers coding bootcamps and tech courses online, while Edumetric provides a platform for teachers to create and share educational content.

Tunisia's tech startups are also making waves in the travel and hospitality industry. With tourism being a major source of income for the country, startups like Trip4Care and Wibees are helping to attract more visitors and enhance the travel experience. Trip4Care offers medical tourism services, while Wibees is a platform for booking unique and authentic experiences with local hosts.

Of course, Tunisia's tech scene still faces its share of challenges, including a lack of funding and a shortage of skilled talent. But with the government and private sector investing more in innovation and entrepreneurship, the future looks bright for Tunisia's startups.

In conclusion, Tunisia may be small in size, but it's big on ideas and innovation. From fintech to edtech to traveltech, the country's startups are pushing boundaries and driving progress. Who knows – the next big tech unicorn could be born in Tunisia.

In recent years, e-commerce platforms have gained significant traction in Africa, driven by increased internet penetration, a growing middle class, and a rise in mobile phone usage. According to a report by Jumia, Africa's leading e-commerce platform, the continent's e-commerce market grew by 40% in 2020, despite the impact of the COVID-19 pandemic.

While Western e-commerce giants like Amazon and Alibaba have made strides in the African market, local platforms have emerged to cater to the unique needs and challenges of African consumers and businesses.

One of the biggest challenges for e-commerce in Africa is logistics and infrastructure. Many parts of the continent lack reliable postal services or transportation networks, which can make it difficult to deliver goods to customers. To address this challenge, African e-commerce platforms have developed innovative solutions, such as partnering with local delivery services, using motorbikes for last-mile delivery, and offering pickup points in local shops.

Another challenge is trust and payment security. Many Africans are hesitant to use online payment systems, and credit card penetration is relatively low. To build trust and promote adoption, African e-commerce platforms have introduced payment options like mobile money, cash on delivery, and pay-on-pickup.

African e-commerce platforms have also adapted to the unique cultural and linguistic diversity of the continent. Many platforms offer language options beyond English and French, such as Swahili, Yoruba, and Hausa, to cater to local language preferences.

In terms of market share, Jumia is the leading e-commerce platform in Africa, with a presence in 11 countries and over 6 million active customers. However, other local platforms like Konga, MallforAfrica, and Takealot are also gaining traction in their respective markets.

Compared to Western platforms like Amazon and Alibaba, African e-commerce platforms have some key differences. For example, African platforms tend to focus more on consumer goods and daily necessities, rather than luxury goods or electronics. Additionally, African platforms often serve as a marketplace for third-party sellers, rather than selling products directly, which can make it easier for small businesses to enter the market.

However, African e-commerce platforms still face stiff competition from Western giants like Amazon and Alibaba, which have significant resources and experience in the e-commerce industry. For example, Amazon recently launched Amazon Prime in South Africa, offering free and fast shipping to customers.

Despite the challenges and competition, African e-commerce platforms have significant potential to grow and create new opportunities for businesses and consumers. With innovations in logistics, payment security, and language options, African e-commerce platforms can continue to cater to the unique needs and challenges of the African market.

In conclusion, the growth of e-commerce platforms in Africa has been a remarkable success story, and a testament to the innovative spirit and entrepreneurship of Africans. As these platforms continue to evolve and expand, they will play an increasingly important role in driving economic growth and improving access to goods and services across the continent.

https://www.amazon.com/ 

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