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Friday, 26 October 2018

Is Pillars Nigeria Scam or Legit?

Name: Pillars Nigeria
Price: #10, 000 or #20, 000
Owners: Unkown
Hi, We will be seeing justice to our aids and scamming should be noticed and should be alarmed. In as much as that, the good guys are also considered and they're given 5 STAR for their good work.
Pillars Nigeria's photo.
Is Pillars Nigeria Scam or Legit?
 Wow! with that look in your eyes, you might not know about PILLARS NIGERIA. Well, below is a short review about Pillars Ng and how they operate.

Need reasons to make money? See below. A BRIEF SUMMARY OF MORNAIRA. After carefully studying and researching various peer-to-peer schemes, a team of well-meaning individuals birthed MORNAIRA: The Peer-To-Peer game changer! Yes quote us anywhere, we have come to put an end to your losses. We are here to stay!!!

Get 200% of your donation in less than 1 hour.You don't need to Refer anybody. is a peer-to-peer donation platform for members to help other members in a systematic way. Using this platform, members can give and receive donations from each other. It is open to everyone.


Pillars Nigeria At our primary goal is to ensure your investment yields great income over a short period of time; and also we are dedicated to providing you the best service and support. So choose a plan to get started; donate, relax and wait for PAYMENT.

10k to get 20k, 20k to get 40k, HOW TO JOIN 1. Ensure you have mobile banking cause you are only given 1 hour to pay your sponsor 2. Sign-up @ 3. Pay ur sponsor 4. Sit back,relax and watch your account.... etc

 We are back again to the question i asked.
Is Pillars Nigeria Scam or Legit?
If am to give a direct answer, its Yes, They're scam (Scammers operating NGO). I know you will love to know why i said they're scam. Well, below is my ScreenShot of Account with them
I got to know about them on Facebook, i saw their Sponsored Advert and what made me sign up was when i saw its an NGO and PEER to PEER. So, i read how they operate and i signed up and paid #10, 000 that same day.

What next was, i was not paired. According to their How They Operate, its 72hours at most before you get paired with someone and then get paid by two persons (10, 000 + 10, 000= 20, 000) So, 20, 000 would be given to you and you're to recycle 10, 000 back to the program.

I was not paired and the person i paid as my sponsor, stopped picking my calls and never replied my messages. Its over six(6weeks) before writing this.

So, i have every right to LABEL THEM AS SCAM.

I made up my mind and i can saw the fellow who i paid was the owner and he was pretending to be a sponsor paired to me.
The site did not replied my Emails and message on facebook nor my comment on  their Facebook Ads and Page.

So, Keep off from Pillars Nigeria. They're SCAM
Read More »

Thursday, 18 October 2018

Cash Awoof – How To Make ₦40,000 (Naira) Monthly Without Spending a Dime

Is it possible to make ₦40,000 (40,000 naira) in a month without spending a dime? Are you curious to know how you can make money online in Nigeria without investment? Have you joined some programs that claimed you will make fortune, they take your money and till this moment you haven’t make anything from them? or you are just that person who just want to make some extra income spending some times online?

Good News, as you will learn how to make ₦40,000 (Naira) monthly without spending a dime in this article, and all that is required from you is your time and you will be smiling to the bank every month if you take this serious.
Cash Awoof is a pay to participate program where you get paid for registering as member, daily login to your account, reading news, making friends (just as you do on Facebook), watching videos (just as you do on Youtube), commenting on news, referring friends, participating in quiz and even more.
Unlike many other programs out there that promise to pay you for reading news then ask you to pay 1000 Naira or some money to join, Cash Awoof registration is totally free and you get FREE ₦1000 immediately you register an account.

Let’s Make a Quick Breakdown and Calculation of How Cash Awoof pays and How To Make ₦40,000 (Naira) Monthly Without Spending a Dime.
  1. You get ₦1000 immediately you create an account.
  2. Daily logging in to your account, you get ₦50 (₦50 x 30 days = ₦1500).
  3. For referring friends to join the site with your referral link, you get ₦100 per every referral. Let’s assume you invite 10 people daily. Remember it’s free to join so your friends will be willing to join since they won’t be spending any money to join and also start making money. 10 referral x ₦100 is ₦1000 (₦1000 x 30 days = ₦30,000)
  4. For reading news, you get ₦1 limited to 50 news daily (₦50 x 30 days = ₦1500).
  5. Commenting on news, you get ₦2 and you can comment on many news as you want. Let’s assume you comment on 50 news daily (₦100 x 30 days = ₦3000).
  6. For every accepted friend request you sent, you get ₦1. Let’s assume you make 100 friends on Cash Awoof daily (₦100 x 30 days = ₦3000).
  7. For watching videos, you get ₦2 to ₦10. Let’s assume you watch 20 videos at ₦3 daily (₦60 x 30 days = ₦1800).

Now let’s put all the numbers together (Bring out your calculator ):
₦1000 + ₦1500 + ₦30000 + ₦1500 + ₦3000 + ₦3000 + ₦1800 = ₦41800
That’s a whooping ₦41,800 for just doing exact same thing you do normally online and you won’t have to spend anything to achieve this.
Wait! Are you doubting or thinking how are they making the money they will be paying us if we won’t pay anything..
It’s simple.
Do you know the owner of Facebook “Mark Zuckerberg” worth roughly USD52.9 Billion and Jack Dorsey of Twitter worth USD5.2 Billion?
They made these huge amount of money from your presence on their platform, but what did you get in return? Nothing!
Cash Awoof turns the table around by appreciating you for using their platform and give back from whatever profit they make from sponsors and campaigns on their platform. No they don’t want to be stingy like other.

So now is the time to stop wasting data on unnecessary chat and start making money doing same thing you do on Facebook, Youtube, and every other social media accounts you have.

How Do You Get Paid?

Once you register your free account on Cash Awoof, go to your profile and add your bank account details. Participate and be active on the platform by reading news, making friends, commenting on news, referring friends, watch videos and make use of all the make money opportunities on the platform.
As long as you earn a minimum of ₦20,000 in a month, you will get paid the next month ending.

Is Cash Awoof Another Scam Just to Waste Your Time?

I guess the business model is clear enough to understand this is not a scam. As long as you have minimum threshold of ₦20,000 in your account, you will surely get paid at the end of the month. If you are having any doubt or questions, you can contact the admin on WhatsApp; +971521626170 or send an email to Also the live chat is always available for members to contact the Cash Awoof team for more clearance.


No food for lazy minds, though Cash Awoof says “Awoof no dey purge belle” but you still have to work for it. Set a goal, have a target and meet up with it. That is how you make money but if you create an account and just sit for the money to grow then the program is not for you. Yeah that’s a blunt truth.
What are you waiting for? Go create an account or login to your account now to start making the best out of Cash Awoof.
Read More »

Wednesday, 17 October 2018

Review: Wealthy Affiliate

Name: Wealthy Affiliate
Price: $0 for Free membership and $47 for Premium Membership
Owners: Kyle and Carson
Overall Rank: 9 out of 10 points.

I have been in the affiliate marketing arena for over a decade and invested thousands of dollars just trying to create an extra income and break out of the nine to five. I was taken in by so many scams online that I actually quit and gave up several times.  But, I’m a very determined person – some would say “stubborn” or even more. Regardless, I kept reading so many positive things about Wealthy Affiliate and read several decent reviews that I finally gave it a real honest chance.  And, I’m so glad that I did. I’m totally in profit now because of Wealthy Affiliate and my revenue (residual income) is growing weekly.  I highly urge you to read every word of this straight-up Wealthy Affiliate Review.

Wealthy Affiliate is Different from the Ground Up

Wealthy Affiliate is different from the ground up. The owners truly care about their members and contact each and every one and are accessible upfront upon your initial signup and continuously throughout your membership. I have personally contacted them and they are responsive.
There are no complicated hierarchies or a matrix to fill. There are no worries about difficult compensation plans that require diagrams and explanations or training to simply understand how you will be paid. There is no left “leg” or right “leg”.  It’s straight-forward and simple.
Wealthy Affiliate truly teaches you to take your passion and develop it into an honest, ethical and meaningful online business.  They teach you how to build a professional website from the ground up, give you the tools and training necessary to make it happen and subsequently how to market your website to earn real recurring passive income beyond the building phase. This is a real nuts and bolts entrepreneur university that will give you the knowledge to build a successful business online.   Anyone with the eagerness and commitment to learn can do it and Wealthy Affiliate delivers the knowledge in bite-sized chunks with every support ability along the way.
You will no longer feel alone and as if you’re scurrying around with no structure or real goals in mind.  You will finally feel like a true online marketing professional where you’re following the steps of many other successful entrepreneurs.  Wealthy Affiliate CONTINUES to produce successful affiliate marketers that leave their 9-to-5 jobs and truly become wealthy working from home.
Wealthy Affiliate Review image
Need more information?  Read on!

The Pure Residuals Wealthy Affiliate Review

Name: Wealthy Affiliate
Price: $0 for Free membership and $47 for Premium Membership
Owners: Kyle and Carson
Overall Rank: 90 out of 100 points.

What is Wealthy Affiliate All About?

Wealthy Affiliate begins with the basics of online marketing in which you can enroll to earn your entrepreneur certification.  So, for beginners, this program is ideal. Some more seasoned marketers can jump ahead, but even for us, it was a great refresher to work through the lessons and training. But, this isn’t the same old re-hashed online marketing training I assure you and there is new updated training every week.  Beyond that is an incredible live support crew of experienced marketers online each and every moment regardless of your timezone.

Entrepreneur Certification

Pros and Cons

As with any business, online or not, there will be pros and cons.  Let’s go over what these are for Wealthy Affiliate.


  • Definitely low start up: Free – No Credit Card needed
  • Incredibly responsive, active and upbeat community aspect – questions are answered quickly and concisely
  • Fully featured professional websites – hosting included, backups, malware protection, file system monitoring
  • Entrepreneur certification, training, videos – regularly updated
  • Real-world marketing tools and training to help build your first website and deliver quality targeted traffic
  • Owners care and respond to members
Read a recent note from Kyle (one of the owners) on the recent Wealthy Affiliate 10 year anniversary here.  It’s quite enlightening.


The only con I can truly find within Wealthy Affiliate is that there is so much information available that it can be quite daunting initially.  Many of us that have been in the online marketing arena don’t really see this as a negative, but know it can be frustrating for beginners.

Who is Wealthy Affiliate Suited For ?

The tools, training, videos, lessons and more are suitable for beginners, intermediate marketers and professionals.  Of course, how fast you progress through the training will hinge upon your initial experience, education and training.  But, many successful Wealthy Affiliate members had never built a single web page before.  Anyone can do this.  You truly can take a topic or niche market that you are passionate about, create a professional website and earn some nice recurring revenue.

The Product

There are literally hundreds if not, thousands of sites online that make bold claims about teaching others how to create a successful online business.  You can review some of our reviews of other programs via the menu above. And, don’t get us wrong, some of them are good. Some are not so good.  And, if you’re new to online startups, I’m sure there are a few fantastic nuggets of information you may receive from any one of these.  But, what makes Wealthy Affiliate really stand out is their entrepreneur certification is not only the best step by step method available, it is constantly updated.  Many of the programs out there are so out-dated, it will get you into trouble with the search engines – YES, do you more harm than good.
Not only is the training current, updated weekly – sometimes more than that, but the tools available are outstanding:

Wealthy Affiliate Free Tools

Free Website Hosting ( 2 domains ) – not just any optimized WordPress website, but fully featured.  With others, you have to upgrade to some higher-end package to get all the features that are absolutely free for Wealthy Affiliate members.  As a free member, you can setup not just one, but two professional websites.
Keyword Research Tool – a free built-in keyword research tool to help you optimize your website’s posts and pages for maximum natural organic search engine traffic
Rapid Writer Tool – a free writing tool to help you easily and quickly compose your keyword optimized website content. Discover keyword density, wording and creativity painlessly and quickly.
Link Tracking Tool – a free built-in link tracker for your customized Wealthy Affiliate landing pages and entry links to help determine which of your marketing methods are producing results.  In this manner, you can drop the non-profitable marketing strategies and concentrate (and tweak) the ones producing revenue.
Literally EVERYTHING you need to begin and run a successful online business is included within your Wealthy Affiliate membership.  Without spending one dime – without any credit card at all – you can earn money with Wealthy Affiliate.
Wealthy Affiliate Review
Actual Member Testimonial

How Does Wealthy Affiliate Work?

Wealthy affiliate teaches new members how to create a real residual income business online doing something you enjoy.  You can pick a  passion, a hobby or interest and begin building a business around it.  Basically, there are really only four steps involved:
Steps to Residual Income Business Online

The TWO Membership Levels:  Free and Premium

As we mentioned above, unlike many other scams and crazy programs out there, there are no crazy hierarchies and MLM-type business models here.  You don’t need a matrix to understand how you will be paid.  Wealthy Affiliate will teach you how to take something you are interested in, passionate about, perhaps already knowledgeable about and build a professional website that can earn you a substantial income.  You do NOT have to promote the Wealthy Affiliate business at all.  Many members are making money as an affiliate for Amazon, eBay or Clickbank. Some are using a combination of both.  Also, there is Google Adsense – another viable profit model.
The real differences between the Premium and Free WA accounts is the access to the training and the number of websites you can build on their hosting platform.

Free Membership:

  • Keyword Tool
  • 2 free professional websites
  • More than 500 training modules
  • #1 Active Community Forum available online
  • Affiliate Program

Premium Membership

  • All of the above
  • Earn double commissions IF you decide to promote Wealthy Affiliate
  • 50 Professional Fully-Featured websites with thousands of available templates
  • Live Chat with experienced entrepreneurs
  • Niche and Marketing Research programs
  • WordPress training and support
  • PPC and SEO training and support
  • Local SEO and Marketing training
  • Email marketing training
  • Video marketing training
  • ….and too much more to list!
Wealthy Affiliate Review
Actual Member Testimonial

What About Support?

Feel free to perform your due diligence within any online marketing forum on the Internet today.  We did!  Wealthy Affiliate continues to exemplify a stellar reputation with one of the very best online communities available. Not only are the owners accessible, but experienced professionals are constantly online helping new members all the time.  There is a true camaraderie and what we like to call “Good Karma” – people helping people succeed.  Likely above 95% of all questions are responded to quickly from within the forums but, of course, once in awhile we all make a major mistake that perhaps requires a full backup of your website.  Let’s see how that is resolved….

See for yourself :

Wealthy Affiliate Support

Our Final Opinion

Gone are the days of being scammed for us.  Wealthy Affiliate is our Number 1 pick hands down.  Regardless of your niche market (what topic you would like to build your first website around) or your online marketing experience, Wealthy Affiliate has all the tools, resources and education you could possibly need.  Join as a free member, check what is available, even earn some commission out of the gate as a free member.  Then, if you wish to upgrade to premium to increase your commission rate and have access to more advanced training, you are welcome to do so.
This is our first substantial commission check after about three and a half months in:
Wealthy Affiliate Commission Check
And, this is true recurring passive income!
What is Wealthy Affiliate
Actual Member Testimonial
No rush, no crazy upgrades or pressure.
Take your time and talk to other members and decide at your convenience.
 legit online business opportunity
Read More »

Thursday, 27 September 2018

How to buy Bitcoin in 7 steps

Disclaimer: This is an educational tutorial to understand Bitcoin, not investment advice.
buying bitcoin tutorial
In 2013 I set out to buy one whole Bitcoin for £200. But it never actually happened.
The closer I got to buying, the more confused and worried about the whole thing I got. So I gave up.
I wasn't to know, but if I'd persevered, that Bitcoin would now be worth over £6,000.
With the ongoing surge in interest and media coverage, the conversation gets louder and louder, and so much harder to ignore.
bitcoin charts
Bitcoin could have huge implications for everyone's future. I felt it was time to try again. Not to make money, but to understand what the hell all the fuss was about.
The itch led me down a rabbit hole of research, fueled by fascination and excitement. I finally 'got it'. It also became obvious that today it's far easier to buy Bitcoin than it was 4 years ago.
Today I'm the proud owner of 0.01603666 BTC, which I exchanged for £100.
In this guide, I take you through the exact steps I followed to buy Bitcoin. The process itself took about 15 minutes.
But before we get to the tutorial steps, it's really important to know what we're getting into. Increasingly I hear from students making mistakes due to rushing into Bitcoin because of all the hype. There's so much fragmented or misleading information out there. My aim here is to strip it to total basics without putting you off for another 4 years (hopefully).

What is Bitcoin?

To many people Bitcoin represents the future of paying for something, as a new digital global 'cryptocurrency'. Rather than using a £1 coin or $1 bill, something could be 1 Bitcoin (1 BTC).
But Bitcoin is much more than a currency, and this is why people often get confused. It's also the entire network (known as a Blockchain) that securely oversees the entire process of someone sending money to someone else.
Say you spend £20 at a restaurant on a Visa debit card. That transaction must be processed through a card machine, Visa, your bank and the merchant bank. At each step, communication and verification takes place.
Bitcoin's promise is removing all of this friction involved in the verification, whilst also making payments much more secure. You could use your mobile phone to send £20 worth of Bitcoin to the restaurant directly.
bitcoin transaction
Now to make it completely real for you, here's a guy buying an ice-cream with Bitcoin back in 2014:

By cutting out the middlemen, transactions become much cheaper too, especially when it comes to international payments.
Bitcoin also takes on the role of government central banks (eg. The Bank of England). Governments traditionally have control over the supply of currency which is open to manipulation and corruption.
The Bitcoin Blockchain is completely open. It isn't owned or controlled by anyone, it's run by a network of many computers around the world.
Of course the young cryptocurrency is not without its critics. Mainstream media, traditional banks and financial commentators all warn against a 'bubble' set to burst, and the opportunity for Bitcoin to be used by criminals.

12 key things to know about Bitcoin

bitcoin logoAs a total novice, I spent days researching the ins and outs of Bitcoin, its benefits and risks. Here's my distilled list of the key points.
  1. Trust - Fills the 'trust gap' between two parties (currently the role of banks)
  2. Secure - Transactions encrypted within a Blockchain which is impossible to hack
  3. Decentralised - With no one body in control, it can't be taken down, hacked or manipulated
  4. Unregulated - There's no guarantee of protection if a payment is made in error
  5. Transparent - Both code and all transactions (imagine knowing where every tax penny went)
  6. Low cost - Removes institutions and friction, especially for international payments
  7. Speed - Complete digital network (and no more loose change!)
  8. Limited supply - Capped at 21 million Bitcoins
  9. Truly global - Doesn't geographically exclude people
  10. Privacy - Institutions don't hold your data
  11. Virtual - Despite its name, Bitcoin has no physical coins. All 1s and 0s
  12. Volatile - Bitcoin value fluctuates wildly as it's still relatively new.
Ultimately Bitcoin promises to democratise money, whilst removing almost all of the friction and cost in making a secure payment.
You don't need to understand everything.
Under the bonnet Bitcoin is an incredibly complex technology, which makes it so secure. Most people don't really know how card machines or even the internet works but still use them everyday.
We'll dig deeper into the background and implications of Bitcoin later if you're keen to learn more

Should you buy Bitcoin?

student thinkingFirstly, you don't need to buy a full Bitcoin. That would be preeetty expensive now! A Bitcoin can be divided all the way down to a one hundred millionth. You can buy as little as £5 if you wish.
If you can't spare £5 or are in debt please don't buy Bitcoin as you could lose money.
There are 3 types of people buying Bitcoin:
  1. Speculators - the value has risen massively, but it's still very volatile making Bitcoin a risky investment
  2. Actual users - what it's all for! Spending and even earning in Bitcoin is slowly gaining traction
  3. The curious - Bitcoin's an exciting new technology, and many want to just understand the future of money and be part of the conversation.
Everyone has their own motivations, but the purpose of this guide is for the third type. I bought a small amount of Bitcoin myself to understand and appreciate this new technology and the opportunities it brings.
Once you actually give it a go by buying and sending some Bitcoin, it becomes a whole lot simpler to understand!
So yes, I believe everyone would benefit by buying a tiny bit of Bitcoin just to educate themselves on what could quickly become part of our future.
I do think Bitcoin is the first cryptocurrency that has the potential to do something like change the world - Peter Thiel, Co-Founder of PayPal

How to buy Bitcoin tutorial

I'm going to walk you through the exact steps I took to buy my own Bitcoin. I bought some for the sole purpose of going through the motions.
There are plenty of other (potentially questionable) methods and websites you could use - which could be slightly cheaper - but this was all about minimising risk and complication for myself as a total newbie.
You need just 5 things before buying Bitcoin:
  1. Bitcoin address - A string of numbers unique to you, that allows you to receive Bitcoin (acts like a bank account number). Also known as a 'public key'.
  2. Bitcoin wallet - A secure place to store your Bitcoin (acts like a bank account).
  3. Bitcoin exchange - A website to convert old-school cash into Bitcoin (acts like a bureau de change).
  4. Payment method - A debit or credit card to buy Bitcoin.
  5. Form of identity - You'll need your passport or driver's license to hand.

7 steps to buying your first Bitcoin

After some lengthy research, I decided on using Coinbase as a 'one stop shop'. They set me up with an address, a wallet and the conversion of pounds to Bitcoin itself.
coinbase logo
I also like their intuitive website and mobile app, which allows me to send and receive Bitcoin on the move. The whole process took me less than 15 minutes.
  1. Create a Coinbase account

    Click here for a special promo page inviting you to join.
    Complete the short form and hit "Sign up".
With this link you're able to receive a bonus amount of free Bitcoin if you buy or sell over $100/£74 (you don't have to). Once you're on Coinbase you can invite your friends in the same way
  1. Verify your email

    Head to your inbox and click the verification link. It may take a few minutes to arrive (check junk folder if longer).
  2. Connect your phone

    To secure your account, you'll now be asked to link up your mobile phone.
    This is known as 2-factor authentication and means no one can access your account without knowing your password and holding your phone.
    Coinbase will immediately send you an SMS with a code. Enter this in the box, and your account's created and secured
  3. Verify your identity

    You're now looking at your dashboard, but before being able to buy Bitcoin you need to verify your identity.
    Scroll down and click the "Verify your identity" block (bottom left).
    coinbase verify
    Select an ID type. Now decide how you want to take a photo of it (webcam or mobile).
    The live verification check only takes a minute or so.
  4. Add a payment method

    Back on the dashboard, scroll down and now click "Add a payment method".
    For the purposes of this tutorial, I suggest using a debit or credit card. This allows you to buy Bitcoin instantly, but note there is a small fee.
    Bank transfer is an option, but that takes several days to setup. Also when I tried it had to be made in Euros (which for the small amount I bought would have cost me more in bank fees than a card).
    Run through the card authentication process and now you're ready to buy your first Bitcoin.
  5. Buy Bitcoin

    Click "Buy/Sell" in the top menu.
    Ensure "Bitcoin" is selected and your payment method should be pre-loaded.
    Enter in the amount of money (or Bitcoin) you wish to buy. I bought £100 but it could be as little as £5 (£74 is needed for the £7 signup bonus).
    The conversion will be automatically shown. The box on the right shows the full transaction, including the fees.
    Click "Buy Bitcoin Instantly" and the Bitcoin will be added to your wallet immediately. Congrats!
    In my example, I purchased £100 with total Coinbase fees of £3.41. The remaining £96.59 bought me 0.01603666 Bitcoin.
    buy bitcoin
  6. Check your Bitcoin wallet

    Click "Accounts" in the top menu.
    Under "BTC Wallet" you should now see your Bitcoin amount and the transaction.
    This is also where you're able to send and receive Bitcoin.

Sending and receiving Bitcoin

Sending and receiving Bitcoin is all managed from your Coinbase Bitcoin wallet.
To receive Bitcoin from someone else, they just need your unique Bitcoin address. You can find yours by clicking the "Receive" button. It's also in a QR format that's very convenient on mobiles.
To send Bitcoin, there are a couple more steps:
  1. Click the "Send" button
  2. Enter the BTC address of the receiving person or wallet
  3. Enter the BTC amount (to be sent from your wallet)
  4. Write a message (acts like a payment reference)
  5. Click "Continue" to confirm the transaction
If you want to try this right now, make a small donation to the RNLI. Here's their address.

Download the app

bitcoin app
The Coinbase app allows you to access your wallet on the move.
This of course opens up the ability to spend and transfer Bitcoin locally using QR codes, for example in shops or between friends at dinner.

Bitcoin transactions

Remember there is a log of all transactions within your Bitcoin wallet.
Bitcoin transfers are also stored in the publicly available Blockchain, but they're completely anonymous because there's no way to associate the addresses with people.
Just for kicks, click here to see an example transaction I sent to a friend's wallet. Again, don't worry about understanding it, but we'll come back to Blockchain technology later if you're interested.

What can you buy with Bitcoin today?

bitcoin accepted russian subwayFrom local London pubs to global retailers, businesses of all sizes are starting to accept Bitcoin as payment.
You can even pay tuition fees at Cumbria University with Bitcoin, and there have been rumours that Amazon will soon be joining the party.
Here are some examples of well-known brands currently accepting Bitcoin as payment:

Where you can spend Bitcoin

See our "what you can buy with Bitcoin" guide for more!

Growth of Bitcoin across the UK

You may also be surprised by how many places near you now accept Bitcoin.
Check out the live map for your area here.
Enjoying the guide? Please share it with your friends

How does Bitcoin work?

how bitcoin worksAs I've mentioned, it's not essential to understand exactly how Bitcoin works to use it. That said, knowledge is power and I personally find it fascinating.
Bitcoin is actually built on a much broader technological advance known as Blockchain.

What is Blockchain?

Blockchain technology is a super-secure way of publicly verifying the transfer of information between two parties.
When a transfer takes place, a block is added to the chain chronologically. Each block contains sets of data relating to the transaction, and also relates to the previous block with a cryptographically generated signature. It's this signature that locks (or chains) all the blocks together, so that a block can never be modified once it's created.

Seen as a kind of public ledger, a Blockchain is stored in the cloud across thousands of computers around the world. The mix of the chain being decentralised and blocks bound together makes Blockchain technology practically unhackable.
Bitcoin was the first and most popular implementation of Blockchain. When you send some Bitcoin to another person, the transaction will be verified by lots of computers in the Bitcoin Blockchain and create a new block.
You can see a real example of a block here. This is a Bitcoin transaction I made. Note the "Confirmations" icon: 1,814 separate computers have already verified this transaction.
bitcoin valid
But in fact any form of transfer that requires validation can utilise the technology, anything from licensing music, sharing medical records to buying a house.
Ethereum is another kind of cryptocurrency that also goes beyond money to handle 'smart contracts'. This means a legal document such as the transfer of Title Deeds can be quickly validated for a property sale, for example.
Even the British government are being encouraged to adopt Blockchain.
Whilst it's still early days, some experts predict that Blockchain technology will lead us into a "trust" revolution, following on from the industrial and informational revolutions.

Where do Bitcoins come from?

New Bitcoin is created as a result of 'mining', which is conveniently also the way that every Bitcoin transaction is processed and verified.
For every transaction, mining computers must solve very complex mathematical problems and generate a 64 digit solution. Once solved, one block is added to the Bitcoin chain and the miner earns a certain amount of new Bitcoin as a reward.
The Bitcoin Blockchain is programmed to only ever release 21 million Bitcoins. Once they've all been mined no more will ever be created.
This is estimated to happen by July 2020. At time of writing there are over 16.7 million in existence (live count here).

What are the downsides of Bitcoin?

It's important to remember it's still very early days. All new technology comes with obstacles and trade-offs, just as we've seen with the internet and disruptors like Uber.
Some of Bicoin's disadvantages:
  • Great amount of price volatility in the short term
  • Built-in deflation could maintain volatility longer term (due to max. 21m BTCs)
  • It's a currency and a commodity, meaning people incentivised to hold rather than spend Bitcoin
  • Huge volume of transactions processed slows down verification (whole network upgrades needed)
  • No intrinsic value - just what someone else is prepared to pay (like gold)
  • No buyer protection
  • Used for criminal transactions as it's untraceable (like cash)
  • Not widely accepted yet
  • Possibility of governments prohibiting merchants from accepting Bitcoin
  • Lots of people working in finance will lose jobs

Why has Bitcoin got so popular?

In 2010 someone bought just two pizzas for 10,000 Bitcoin. Today those pizzas would be over £72 million.
The phenomenal growth follows Bitcoin becoming increasingly widespread, really hitting a tipping point in 2017 as its value surged by more than 880% in 12 months.
bitcoin charts
Bitcoin had the advantage of being the first cryptocurrency, but I don't think there's one specific reason why Bitcoin itself has become so popular.
Various political events have added to the mix since 2009, along with technological advances and media attention.
For example, HMRC, the European Court and Japan have recently recognised Bitcoin as a real currency, whilst Chinese investors are increasingly keen to move their money away from the control of Chinese government.
The financial crisis of 2008 undoubtedly also gave Bitcoin a big step up. Big banks revealed their vulnerabilities and many people lost trust in institutions.

It's inevitable

In 1988 The Economist predicted a world currency by 2018. The idea is nothing new!
the economist bitcoin 1988
Is something like Bitcoin not just the natural next stage of progression? Bitcoin offers a democratic, digital, fast, secure global currency.
'Money' has already gone from grain to metals to paper to electronic (online banking, credit cards, PayPal etc). Perhaps we're on the cusp of going completely digital, and Bitcoin is taking the lead.
With all the advantages that Bitcoin (and Blockchain) carries - and that only 0.1% of the global population are participating so far - the momentum is likely to continue.
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Tuesday, 25 September 2018

How much money should your parents give you at university?

There's a high chance you're going to need some help from the Bank of Mum and Dad at university. Here's how much they're expected to contribute... 
asking parents for money
Credit: Dreamworks
Since the current maintenance loan is often nowhere near enough to cover current living costs in the UK, the government expect parents to pick up the shortfall. Basically, the more they earn, the more they're expected to contribute.
Depending on where you live at uni and how much your parents earn, they could be expected to contribute over £4,000 a year! According to our 2018 survey, the average student receives £138.50 a month from parents.
Read on to find out exactly how much your parents should be contributing and how you can go about asking them for it...

What’s on this page?

  • Should your parents give you money at university?
  • How much money 'should' your parents give you?
  • How to ask your parents for money
  • What should you do if your parents don't give you money?

Should your parents give you money at university?

Maintenance loan gap
The Maintenance Loan is on average £170 short each month - National Student Money Survey 2018
The current student finance system uses your parents' income to determine how much money you get to live off while you're studying - this means it's means-tested.
Whether this is fair or not is debatable. For starters, the system fails to take into account that some parents will also be supporting other children at university which will strain their income.
Some parents will also have different attitudes to this than others - some might think that because you're 18 (and they're technically no longer legally responsible for you), that it's up to you to fund yourself, while others might be more than willing to dish out the cash.
On the other hand, many students will have parents on lower incomes who simply aren't in a position to support them financially at all, so the government has created a system which tries to ensure these students can still access higher education.
However, after scrapping maintenance grants, students with bigger loans will now also graduate with more debt than others - again, something which isn't very fair.
Basically, even if you think your parents can't afford to give you all the money you need, or they're not willing to, our current student finance system works on the presumption that they're going to help you out financially - so unless that changes, it's a conversation you're probably going to have to have.
We should probably also point out that even if you receive the maximum maintenance loan - the loan which assumes your parents won't be able to support you - this still might not be enough to cover all your living costs. Check out our alternative funding sources for ideas of where to seek extra financial support.

How much money 'should' your parents contribute?

Every week we receive emails from students asking how much their parents should contribute towards their living costs.
There's no easy answer to this, as it really depends on your individual financial circumstances, your parents' generosity and factors such as how much rent you're paying.
However, as a bit of guidance, we've developed a calculator showing what your parents are 'expected' to contribute each year:
Parent calculator
Disclaimer: Please be aware that these are simply suggested parental contributions, that should be used as a guide only. 
These figures are based on the fact that, the more your parents' earn, the smaller your maintenance loan will be - and the larger the shortfall your parents will have to cover.
The table below gives you a breakdown of the amount of maintenance loan you'll receive, plus the expected parental contribution.
Note: This table only applies to students who started uni in or after 2016, and who are living away from home but outside of London. If this isn't you, check out our Big Fat Guide to Student Finance for more maintenance loan figures.
The amounts above were calculated on the assumption that parents who earn below £25,000 won't be contributing.
As you can see, all values add up to £8,700 - students from households with the lowest household income will have this all covered by loans, whereas students from higher income backgrounds will receive a smaller loan and will therefore need to use parental contributions to reach that same number.
Since these students receive £8,700 a year, the logic is that parents with higher incomes will be expected to make up the rest to ensure all students are receiving the same or a similar amount.
If your parents want to read up on how Student Finance works and how much money they might need to give you, our parents' guide to university has everything they need to know.

How to ask your parents for money

Once you've worked out exactly how much money you're going to need from your parents to get by at university, you'll need to sit them down and talk about it.
If you're worried about how to broach the subject, we've come up with four top tips that will make the whole process much easier (and your chances of actually getting the green light much higher!).
  1. Show them you're taking uni seriously

    studying hard
    Credit: 20th Century Fox
    Your parents might have some reservations about whether giving you money for uni is a good investment or not. They want to know that you're going to university to study hard, get good grades and ultimately get a  job after graduation.
    Show them that you're not just going to uni for the nights out - talk about particular modules you're looking forward to, any pre-reading you're doing or plans for the future.
    They'll see that you're taking university seriously, and you're committed to making the most of your time there - and that ultimately, it will be a worthwhile investment.
  2. Impress them with a budget

    Complex finance terms defines
    Credit: Warner Bros Pictures
    If you just ask your parents for a large sum of money, without actually explaining what it's going to be used for, they might be a bit hesitant.
    Instead, show them that you've thought carefully about your outgoings each week/month, and have it all written down clearly for them to see.
    Use the table above as a starting point and check our guide to budgeting to break it all down in to individual expenses.
    Ultimately, if you can give them an exact figure, with a clear idea of where that money is going, they'll be more likely to give you some help than if you just ask for 'some money'.
  3. Back it up with research

    do research
    Credit: Pemberley Digital
    A budget is one thing, but if you can go one step further and back it up with some solid research on the best deals, they'll likely be even more impressed.
    Luckily for you, Save the Student is packed full of useful guides and inside tips on how to save money at uni - check out our guide to the best value broadband packages or 57 ways to save money on food.
    This shows you haven't just calculated how much things are going to cost at uni, but you've also looked at how you're going to keep those costs down, ultimately saving your parents money.
  4. Be prepared to compromise

    compromise with parents
    Credit: BBC
    They'll likely appreciate it if you show that you don't just expect everything to be handed to you, and you're prepared to put in some work too.
    Try and scout out some part-time jobs you could do alongside your studies, or start setting up a crafty side-hustle to earn some extra cash.
    A part-time job probably won't provide you with enough money to make up the maintenance loan shortfall, but it will help and give you some financial independence while you study.

What should you do if your parents don't give you money?

no money
Credit: BBC
At the end of the day, there are many families out there who won't be in a position to provide extra cash to top up the maintenance loan - and similarly, there will be parents who just won't.
This isn't a great situation to be in, and is a major flaw in the UK's student finance system - something which Save the Student is actively seeking to change.
But in the meantime, if you're struggling for the funds you need to support yourself at university, here's a quick list of other avenues you can explore to try and top up your income:
  1. There are loads of grants, scholarships and bursaries out there, with a range of weird and quirky criteria in many cases. Do some thorough research to see if there are any suitable for you
  2. Get a part-time job - Loads of students get part-time jobs at uni, and they're a crucial way of boosting your income. You could also try freelancing if you want the extra flexibility
  3. Try setting up a side-hustle or your own business. These take some serious hard work and dedication, but could be a great way of combining your passion with a bit of money-making
  4. Find out about university hardship funds - these are available for students who are struggling financially. Your student advice centre should have more information on this
  5. Take a gap year to work full-time and save up some more money. You might be keen to get to uni, but you can easily defer your place for a year if you need more time to save.
Don't forget to use our parental contributions calculator to see how much your parents might need to give you, and don't get caught out by any student finance myths!
Do you think it's fair that parents are expected to contribute to students' living allowance at university? Let us know your thoughts!
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Monday, 24 September 2018

Top Global Bitcoin Destinations for the Cryptocurrency —Travel Enthusiast

Are you a Bitcoin enthusiast who also likes to travel? There are a few locations around the world where you can enjoy the freedom of cryptocurrency payments while taking in beautiful sights.

Bitcoin Making Traveling Easier

These days, with Bitcoin and other cryptocurrencies, it is becoming easier to travel to certain destinations without having to worry about overseas travel cash limit. For this author, it is as easy as converting fiat to BTC, going abroad and not having to bother with the central bank authorized spending limits.
The above is only one of the advantages afforded by virtual currencies. However, one can’t easily spend these virtual coins in every country. Below are some of the best places to conveniently use cryptocurrencies while on vacation.


The Swiss aren’t ones to shy away from innovation, commerce, and technology. The country is home to many cryptocurrency and blockchain-based businesses. There are even concerted efforts by state officials to establish the country’s status as a crypto-friendly nation.
Travelers can even pay for train tickets using Bitcoin. Imagine taking one of those train rides through the Alps, and seeing the truly wondrous sights along the way.

Antigua and Barbuda

The Caribbean Island nation of Antigua and Barbuda is another cryptocurrency friendly destination. Earlier in the year, Bitcoinist reported that controversial billionaire, Calvin Ayre was developing a $100 million Bitcoin Cash resort in the country.
Also, the country’s government passed a law that enabled citizenship payments in Bitcoin. Since last year, state officials have been working hard to firm up the nation’s Bitcoin regulations.


The Schiphol airport in Amsterdam installed the first ever Bitcoin ATM in a European airport. Of the 23 cryptocurrency ATMs in the Netherlands, more than half are in the city of Amsterdam. Not only that, but the popular metropolitan vacation destination is also home to one of the broadest cryptocurrency commerce enclaves in the world.
Since 2014, the city has strived to improve Bitcoin commerce by creating a ‘Bitcoin City Initiative.’ Many city-based merchants adopted BTC payments as a result of the initiative making it a prime destination for those who would prefer to use cryptocurrency payments while on vacation.


Presently, no list of cryptocurrency-friendly countries is complete without mentioning Malta. The Mediterranean island nation has pulled out all the stops in its quest to become a global virtual currency and blockchain technology hub.
Already, giants like Binance and OKEx have moved to Malta. The government has alsoenacted positive cryptocurrency regulations.
Which Bitcoin-friendly location would you like to visit on your next vacation? Keep the conversation going in the comment section below.

Image courtesy of Bitcoinist archives, Pixabay Shutterstock.
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Tuesday, 28 August 2018

How to make money as a Student in Nigeria

Hello my Fellow students, University students, college students, whatever students you're. I have been exploring program to enable university students in Nigeria make money online without a single investment.

Amin of MMO,  MR Ibanga updated a life saving Facebook profile once again.

Who is MR Ibanga?

Mr Ibanga is an online entrepreneur and the owner of a popular Nigerian website (InfoguideNigeria.Com) with many other problem solving websites.
Over the Years I’ve been following him on Facebook and other social platforms. indeed he has been providing all Nigerians suitable ways to earn online as he currently have many employees working under him.

How Does Mr Ibanga help university students in nigeria to make money online

Recently, he set up a new schools news site where you can get current educational updates from universities and other higher institutions in Nigeria.
He is not a stingy type, he love sharing works among others to get people employed so you won’t be broke even when you’re in Campus.
With this, He opened an employment opportunity and a business idea for university students in Nigeria to make money without investment. Not only is this business for university students, but also a best business to start near a university

What’s the Business Idea and How does it work?

It’s as simple as ABC: (You will become a News Reporter) hmmm sounds like a white collar Job? well i can say it’s more than one.
Here’s how it Goes: You will only be reporting Happenings around your campus while you earn for each news report.
Your Reported news will be Posted on the official website which is with your name)
You will earn ₦100 for each News reported to MyschoolNews and you will cashout or request payment after reporting 50 Campus News which is ₦5000 and you get paid directly to your bank account through bank transfer. (easy payment method)

What are the Criterias to get Started

So so easy: Provided you’re in campus or you live around the campus or higher institutionswhere you can easily capture recent happenings, you’re good to go.

Go to the FAQ page here Read the terms and conditions carefully then register and login your account you will see a pop up to submit your updates.
Start reporting while you earn for each Unique School new report.

Still Wandering?

Don’t tell me you’re still wandering if you can get 5News/per day to earn 500Naira every working days.(it’s very easy) provided you’re ready for work.
Sample A Cult students got arrested is a school news headline.
Everyday Lot’s of things worth reporting are happening in your campus, why not use this as a money making opportunity?
Yes You can Start it Now for free as the employment opportunity has been opened for those who are Willing to work.

Wrapping Up:Business idea for university students in nigeria or best business to start near a university

  • he hidden secrets, Here again I’ve unveiled another business idea for university students in nigeria or best business to start near a university and am back to my roof.
it’s now your turn to either Grab or leave the business idea.
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