According to Vanguard News, Aliko Dangote has been recognized as the sixth richest person in the manufacturing industry worldwide. With a net worth of $14.3 billion, Dangote is the founder of Dangote Cement, the leading cement producer in Africa, in which he holds an 85 percent stake. He is also associated with Dangote Fertilizer and Refinery, which holds the title of the world's largest single-train refinery. Insidermonkey.com, an American firm specializing in tracking insider transactions and market anomalies, conducted the ranking.
Dangote is the sole African representative among the top 25 billionaires in the manufacturing industry. Reinhold Wuerth, with a net worth of $35.3 billion, holds the title of the richest billionaire in manufacturing. Wuerth initially joined his father's wholesale screw business and eventually retired from the company in 1994. He Xiangjian, worth $26.1 billion, is ranked second in manufacturing. Xiangjian founded Midea Group Co. Ltd., a leading appliance manufacturer, and stepped down from its operations in 2012.
Michael Hartono, with a net worth of $23.1 billion, secured the third spot. Hartono and his family amassed their wealth in the tobacco business and remain prominent clove cigarette manufacturers in Indonesia. They also have investments in the Bank of Central Asia (BCA). Takemitsu Takizaki, with a net worth of $20.7 billion, was ranked the fourth richest billionaire in manufacturing. Takizaki is the founder of Keyence Corporation, a company specializing in manufacturing sensors and electronic components for factory automation systems.
The fifth richest billionaire in the manufacturing industry, according to the rankings, is James Ratcliffe, with a net worth of $16.2 billion. Ratcliffe is the founder, chairman, and majority owner of Ineos Group, a chemical powerhouse.
The Rivers State Police Command has reported the apprehension of three individuals in relation to the alleged murder and extraction of organs from a man named Progress in the Ogbaraye community of Abua/Odual Local Government Area. This occurrence took place shortly after the arrest of three individuals, including two pastors, by a vigilante group called OSPAC in Port Harcourt. The previous arrests were made in connection with the death of a 24-year-old physically challenged man, whom they were accused of killing and harvesting his organs.
According to a source from the community named Otuks, Progress, who was a motorcycle taxi rider from Aminigboko community, was transporting goods from Abua Central to Amingboko when the incident occurred. An unidentified individual suspected to be involved in ritualistic practices had allegedly engaged a group of five young men to acquire human body parts, offering them a substantial sum of money exceeding two million Naira.
Otuks stated that the victim was killed along the Emebu/Obrean boundary, and certain body parts were severed. The incident took place on a Friday night, and following the crime, the perpetrators fled the scene. However, three of the suspects were later apprehended.
Grace Iringe-Koko, the spokesperson for the Rivers State Police Command, confirmed the incident and the arrest of the suspects, stating that they had been transferred to the State Criminal Investigation and Intelligence Department.
If you have incurred wrong or unfair
bank charges , banking experts say you
can try to reclaim them or come to an
arrangement with your bank, especially
if you ’re in financial hardship.
According to www.moneyadvice .org , you
can start by talking directly to your bank.
If that doesn ’t work, you might be able to
get free help from consumer protection
organisations if the amount is relatively
big .
Is it worth trying to reclaim unfair overdraft charges ?
Yes. It takes a bit of effort, but remember
that you ’ve got nothing to lose . Except,
perhaps , some time calling or writing
letters . It won’ t cost you anything . If you
have got a case it will be investigated for
free. Your bank won’ t penalise you . You
won ’t be treated differently for
complaining .
Who can reclaim charges ? Anyone can
write or speak to their bank and ask for a
refund. Some banks might even write off
charges as a gesture of goodwill to a
valued customer.
Although going the legal way at the end
may take time, it is still possible to get
your refund on time especially if you
have a genuine case and the bank is not
willing to cooporate on time .
The good news is that there are several
options you have before proceeding to
court.
If your bank refuses, you can always ask
the Central Bank of Nigeria Consumer
Protection Department to investigate (for
free) .
There is a need to pursue such refund if
you’ re struggling to buy necessities and
pay bills, or you’ ve lost your job .
Experts say you need to seek for refund if
the charges are unfair compared to what
you did . For example, if you went
overdrawn by N 500 and were charged
N 6000 .
Other instances when you may have to
pursue your refund is when you are stuck
in a spiral of charges . This might happen
if the charges keep putting you into the
red, and the overdraft keeps costing you
more in charges .
At times, money saving experts have the
best guide on how to reclaim unfair bank
fees.
Their guide will help you decide whether
to complain , work out how much you
might get , complain to your bank, write
good complaint letters , with sample
letters and templates , and take your case
to the CBN consumer protection
department if your bank won’ t help
However , experts have warned that you
also need to avoid using a claims
management company . They ’ ll charge
you to manage your case , but you can get
the same help for free .
Most online search results about
reclaiming bank charges are from claims
management companies trying to get
money out of you.
These companies will charge you to
reclaim money – you can do it yourself
using the guide above and avoid paying
them a portion of any refund.
Why were you charged in the first place?
It ’s no fun getting unfair bank charges ,
but before you complain , ask yourself
why you were charged .
Did you read the CBN’s guide to bank
charges ? Make sure you understand what
you can be charged for. For example, you
might be fined for going overdrawn by a
small amount , for a short length of time .
you may be charged for using e- payment
services .
Steps to reclaiming wrong charges
Banks have long been accused of ripping
off customers with the high charges they
impose for minor account problems.
Penalties can be crippling, with top rates
of interest on borrowing, overdraft fees
and extra charges for bounced cheques
meaning that even a small mistake can
end up costing between N 5000 and
N 10 ,000.
This can be back -breaking for account
holders struggling to stay on top of their
debts. But the good news is, with a little
persistence , those that think they have
been charged unfairly, or who are in
financial hardship, can reclaim some
cash .
According to www .thisismoney. co. uk, the
first step before you jump straight in with
a complaint is to consider whether
charges were applied unfairly .
If the answer to any of the below is ‘yes ’ ,
you could be in with a good chance of
getting your money back .
According to experts, below are the
criteria you need to meet to begin the
process of reclaiming your funds:
Were the charges disproportionate ?
If you have been charged much more
than the cost of rectifying the mistake
there could be an argument for
reclaiming fees . A prime example of this
would be if you were slapped with a
N 3500 fee for straying beyond your limit
by a couple of naira .
Are the charges making it hard for you to get out of debt ?
One of the main problems with charges is
that , for some, a small transgression can
result in a snowball effect, with
overdrafts and returned cheques earning
extra fees, which make it even harder to
get back into the black.
Are you in financial hardship ?
If you are struggling financially your
bank is under an obligation to treat you
fairly and be considerate of your
situation .
Those that : struggle to pay existing debts
on credit cards and loans, can’t pay their
bills , have a disability or illness , have
lost their job or seen a drop in income or
have penalty charges which are
swallowing most of their income, would
likely fit into this category .
If it is a one-off charge or the amount
was applied in error it can be fairly
straightforward to get a refund, by simply
making a call to the bank.
For those looking for a refund on several
charges the first step will be the same but
it may require extra leg work .
Complaints can be made in branch, over
the phone , by email or in writing .
Always make sure to note down the time
and date of any calls , and names of
anyone spoken to. If sending a complaint
in writing it can be a good idea to follow
up with a call to make sure the letter was
received.
This is the time to argue your case , so
make sure you include reasons as to why
you think charges are unfair and what
the consequences of the extra fees have
meant for your financial situation .
Don ’t let your bank dismiss you with bad
excuse: Persistence is key when banks try
to bluff their way out of paying
Don ’t let your bank dismiss you with bad
excuse: Persistence is key when banks try
to bluff their way out.
You might be surprised at what persistent
correspondence can achieve.
Once it has received the complaint, a
bank has up to some weeks to look into
the case .
The best result after this stage is a full
refund, but it may only offer a partial
refund or money towards repaying any
debts. Alternatively , the claim may be
refused altogether.
If the decision doesn ’t go your way it
doesn ’t necessarily mean the end of the
road .
Remember , in many cases the bank will
bluff and write back claiming the charges
are not unlawful .
Those claiming under financial hardship
may be asked to prove their situation
before a refund will be paid . This may
mean filling in more forms about income
and expenditure.
In some instances , banks may refuse a
refund but try to help in other ways.
For example, by stopping further charges ,
recognising payments to lessen the impact
or setting up a plan to help get struggling
customers get back on track.
Those still left with financial difficulties
even after the bank has made an offer
should follow up with the bank again and
explain their situation in more detail.
This is the time to be persistent or try to
negotiate – consider bargaining for a
quick settlement in return for only a
partial refund.
Alternatively, this might also be the
moment to consider taking your
complaint a step further.
Make sure to state your intentions to the
bank as even the threat of a legal
challenge or report to the CBN may
encourage the bank to repay the charges .
This will require signed consent and
copies of supporting documents to be sent .
Avoid history repeating itself
The best way to prevent banks ripping
you off is to avoid falling into a situation
where they can issue you with penalty
charges .
It might be easier said than done , but
don’ t miss payments , don ’t go into
unauthorised overdraft territory and
don’ t go for banks you ’ve heard mistreat
their customers .
One business which is thriving now is fish farming. This is because as
more people are cutting down on eating red meat, they are going for
healthier choices like fish.
A fish based business could easily generate good returns on
investment. You could easily make a steady income from your home,
using aquaculture fish farming techniques.
However, getting knowledge on how the business runs is very
important.
A fish farmer and consultant, Muhammed Shuiab said before you go
into fish farming, you need to determine whether you want to go into
big or small-scale commercial venture. “Secondly, the pond system to
adopt; whether it is a flow-through system or recirculatory system
using either earthen pond, concrete, or plastic tanks respectively.”
Shuaib explained.
Getting knowledge
There are two types of fish farming, Shuaib said - the “nursery
operations and primary operations. Nursery operations involve the
inducement of the female fish to lay eggs which are then fertilised,
incubated and hatched thereafter. The newly hatched fish are known
as fries. These fries are then nurtured for between three to four weeks
into fingerlings which are the size suitable for use in the fish grow-out
operations,” Shuaib explains.
In between the nursery and grow-out operations is the primary
operation. The primary operation involves the nurturing of the three
weeks old fingerlings for between one to 10 weeks within which they
could grow into post fingerlings, mini juveniles and post juveniles.
These can then grow between four to five months to a table size fish
suitable for sale and ready for consumption.
If you want to start small, you can setup a fish pond right in your
backyard. It is also possible to raise fish in a fish tank in your garage.
You can easily get all the supplies you need to set up your small fish
farm and start fish farming.
Water
“For fishes, water is life,” according to Mr Felix Mbuk, another fish
farmer.
“Water supply must come from a good source e.g borehole, tap or any
spring of water that is flowing around your pond. This will help
guarantee steady water supply for filling the pond and draining waste
respectively. On my farm, I have a reservoir where I store water, so I
don’t lack water,” Mbuk said.
Feeding
Again, feeding the fish is very important. “Without this, they cannot
gain weight. And when they are hungry, they can become wild. So, you
must have money for their food handy at all times. Fish feed is a very
vital component in operating a fish farm. You must feed the fish to
attain required weight gain,” Mbuk said.
Capital to start
“This varies depending on the type of fish farming systems you are
willing and ready to invest on. With a minimum of N150, 000, you can
start the production of fingerlings to grow to three weeks then you can
advertise for sale to other farmers to buy at an average price N30
depending on the size,” Shuaib said.
Know your market
Once you know what your options are and how much money you need,
the next step should be analysing the market. Who are your buyers?
What type of fish is most profitable?
Profit
On how lucrative the business is, Shuaib says yes. “The average cost
of fish in the market is N600, so if you have a pond and you are able
to stock 10,000 fish, I guess you know how much your return on your
investment will total up to. That will be about N6 million,” he
explained.
Claritta is a Member-to-Member Donation and Referral Platform. You donate N1,500 to a Fellow Claritta Member, and in 7 days time you'll be matched with 4 Claritta Members who will donate N1,500 each to you.
How Claritta Works:
*Become a Claritta member by registering on the Claritta.net website.
*You (together with 2 other Claritta.net members) will be automatically matched with an existing Claritta member.
*You donate N1,500 to that member you've been matched with, and your Claritta account will be instantly activated, and you'll be able to refer people to Claritta.net.
*You can make up to 3 donations at the same time, and for each N1,500 donation you make, Claritta matches you in 1 week's time with 4 members who donate N1,500 each to you. If you make 2 donations (of N1,500 each), then in 7 days time you'll get matched with 8 people who will pay you N1,500 each (making N15,000 in total). Donate N1,500, Get N6,000 in 7 days time. Donate N1,500 twice, get N12,000 in 7 days time. Donate N1,500 three times, get N18,000 in 7 days time.
But That's Not All
*Whenever you refer a new member to Claritta.net, and that person you refer joins and donates N1,500, you'll be immediately matched in 3 days time with 3 Claritta members who will each donate N1,500 to you. If you refer 1 new member, you get matched to receive N4,500 in 3 days time, and if you refer 2 new members, you get matched to receive N9,000 in 3 days time. So if you're a Claritta Member, and you refer just 4 people a week, you earn N18,000 every week (which is N72,000 a month). And if you can refer 6 people a week as a Claritta Member, you earn N27,000 every week (N108,000 a month).
ABUJA-MEMBERS of the House of Representatives Wednesday resolve to probe into the operations of the internet based wonder bank, otherwise known as “MMM Nigeria Scheme” in order to save innocent Nigerians from falling prey to fraudsters in this era of economic recession.
Consequently, the House has mandated its committees on banking and currency as well as that on financial crimes to probe the operations of the wonder bank and report back to the House for further legislative action within the next four weeks.
This was however sequel to the adoption of the motion promoted by Rep. Saheed Akinade Fijabi, APC, OYO, complaining about the wide acceptance by Nigerians of the unregulated Mavrodi Mondial Moneybox scheme, popularly known as MMM which was established in 1989 by three Russian nationals with a promise that participants in the wonder scheme will make 30 per cent on investment after 30 days.
Fijabi noted that every Nigerian participating in the MMM scheme which has no legal backing is vulnerable to losing his/her investment as there is no identifiable platform to guarantee the security of the invested funds.
Already, he declared that the Central Bank of Nigeria has described the scheme as fraudulent, recalling that many Nigerians had been victims to similar schemes in the past, such as the Wes Solution, Pennywise and Wealth Creation, all in the name of making quick money.
According to him, the scheme prides itself as a mutual fund through which recruited members contribute money in form of assistance without any intent to engage in banking business.
“But the scheme’s structure, operations and intendment indicate otherwise as their clients can have multi-level structures under them and receive bonus (in percentage) from each financial transaction of every participant in their structures.”
Fijabi further explained the scheme entered the Nigerian circle this year, by capitalising on the high level of unemployment and poverty to deceive unwary Nigerians into falling prey to their antics.
He averred that the antecedents of the founders of the scheme cannot guarantee security of investment in the scheme in the long run as reports indicate that similar schemes by the same founders had been launched in Russia where investors lost their monies running into millions of dollars.
“It is worthy of note that the government of China banned the operations of MMM on the ground that it was a payment pyramid scheme without registration in the country and has the capacity to cause financial havoc in the system”, Fijabi added.
The entrance of Mavrodi Mondial Moneybox popularly known by its abbreviation, MMM, into the country sent Nigerians into a frenzy as many hop into the quick-money train.
The company which was founded in Russia 1989 by Sergei Mavrodi, his brother Vyacheslav Mavrodi, and Olga Melnikova recorded a rapid growth but in 1994, it came crashing down as it was closed over tax evasion.
Described as the biggest Ponzi scheme in the 1990s, it was estimated that thousands of people lost up to $10 billion dollars.
The scheme which has been banned in China has found its way to South Africa, Zimbabwe and recently Nigeria where it has attracted “investors” who put money into it and receive 30 per cent “profit” ant the end of the month.
Sergei Mavrodi was found guilty in 2007 in a Russian court of defrauding 10,000 investors and sentenced to four-and-a-half years in prison.
How MMMworks
People are asked to register and put in money and after 30 days, they receive a 30 per cent profit plus the invested money. Due to the larger number of people who participate, it is possible for money to circulate in a case described as robbing Peter to Pay Paul.
For example, if a person invests N10,000, he will receive N13,000 at the end of a month while there is also the promise of more money if an “investor” invites new people to participate.
Is it genuine of fake?
The Central Bank of Nigeria bank through its the acting Director of Corporate Communications, Mr. Isaac Okoroafor, had warned Nigerians against putting their money in the MMM scheme as it could not guarantee the unregistered financial enterprise.
“At times like this when the economy has suffered some decline, Nigerians should be very careful with those they deal with. Any institution that is not licensed by the CBN to accept deposits should not be given money to keep under any guise.
“We can vouch for the banking system. The deposit money banks are the only licensed institutions to take deposits. If you need to deposit money in any form, go to any of the deposit money banks and put your money, you can buy fixed income instruments or invest in stocks.
“These people always come with very interesting propositions. These are fraudsters who are just out there to collect people’s money and run away as soon as they hit their target. There is no insurance because the NDIC does not even protect them against such risks when they occur.”
In September, it was reported that the scheme had crashed in Zimbabwe throwing a lot of investors awaiting their money into tears although the company denied it claiming it was going through reform.
Some Nigerians who have participated in the scheme have described it as an answer to their prayers in this economically-challenging period as its financial return in a short period was “better than what any bank can offer.” Some people have testified to investing their money and getting “genuine” return which has gingered them to not only put in larger investment but invite and convince people of its legitimacy.
Other people are afraid that there is a huge uncertainty about when it might end and therefore are cautious about putting their fund into it. They claim that since there is no security attacked to it, the MMM scheme might stop operation without warning all the money they have put into it will be lost.
Do you think the MMM scheme is genuine or a fraud? Do you have any personal experience about it? Vote in the poll and share you though and experience in the comment section below’
Every Blogger or Webmaster dreams to make some money from there website or blog through ads. PPC ads is the effective way to earn revenue for content. By placing Pay per click ads on web page where huge traffic is coming. When someone show interest in ad and visit it. Then publisher will earn money. But major problem faced by advertiser and publisher is while finding best PPC ad networks. Their are many best pay per click sites are available in market but some of them are paying to much low. So in this article i am going to list out best PPC ad networks for publishers & Advertisers. Choose according to your requirement and blog traffic.
Best Pay Per Click Sites Lists
#1 Google AdSense
Google AdSense is one of the best in all pay per click sites. No doubt every blogger and website owner wants to earn through Adsense because there are reasons behind the success and Adsense Popularity. In short Adsense is Bid based CPC and RPM networks and there are lots of advertisers bases on the niche of sites. Adsense offers highest CPC rates and show more targeted ads related to content which increase the CTR rate and helps to earn more revenue. Adsense rates varies on the bases of relevant and irrelevant ads. It CPC rate vary between the range of $0.02 – $15 depend upon the location of visitor and niche of the blog.
Ad Format:- Responsive Ads, Display Ads, Text Ads, Link Ads, Match Content Ads.
Payout:- $100 via cheque, EFT, Wired transfer, Western Union.
#2 Media.net Ads
Media.net is a Contextual pay per click based site by Combined Yahoo and Bing and powered by Media.Net. It is one of best Alternative of Adsense. Its CPC rates are also high and good. It is also Bid based CPC and CPM and CPA ads on the bases of eRPM. Media.net become most popular for advertiser and publisher within few years and makes best place in advertising. Unfortunately if you don't get Adsense approval then i recommend you to apply for
Media.Net
Requirement:- High quality content and Traffic from premium countries like USA, UK, Canada.
Ad Format:- Display Ads, Keyword Block Ads.
Payout:- $250 via PayPal or Wire Transfer.
#3 Bidvertiser
Bidvertiser is also a best choice if you are not able to get an approval from Adsense and Media.net. Bidvertiser is also famous and oldest best pay per click site and even perform well at some kind of blogs. It CPC rates are best as compare to other small networks just because they offer POP up, Banner and various other typing advertising techniques. Its CPC rates vary from approx 0.02 to $10 and you get earning bases on total earn point. Overall performance is best if have sufficient account of traffic.
Ad Format:- Banner Ads, In-text, Domain Parking, XML Feed ads, Contextual Ads, Search Toolbar
Payment:- Minimum Payout $10 via PayPal.
#4 Chitika Ads
Chitika is also famous platform of pay per click bases of Search Targeted Ads, Local ads and Mobile Ads. Chitika ads are accepts only organic traffic drive by Search engines. So you will only earn revenue from clicks, if you have good visitor flow from search engines. Chitika Offers high CPC rates as compare to others but little bit low as compare to Adsense. But instead of others it is also good Adsense alternative. Chitika has Referring Program also you can refer others for using Chitika ads then you will earn 10% of Refer Publisher review for 10 months.
Requirement:- Organic Search Traffic is required for earning.
Ad Format:- Display banner ads, Text Ads.
Payout:- $10 via PayPal and $50 via Checks.
#5 Revenue Hits
Revenue Hits is the also a very nice ad network for publishers who want to generate more revenues with state of the art Contextual & Geo targeted Ad Serving technology. Revenue Hits provides self services for publishers, where any webmaster can come and get tags and start making money. They also offers a self service for Advertisers, where anyone can come and buy very high quality traffic.
If you want to take your website or blog's income generation to the next level, this is the best solution around. Revenue Hits is one of the best ad network for monetizing websites.
Ad Format:- Display Ads, Text Ads, Pop up/under
Payout:- $50 via PayPal.
#6 Propeller Ads
Propeller is fastest growing multi ad format network. They provide detailed optimization for each site individually so that you can select best performing ad campaign. Its basically shown as CPM based ad network. But in actual this network is based on various models like CPM, CPA, CPC and CPL. In overall this is one of the best ad network.
Ad Format:- OnClick Ads, Video Ads, Mobile Ads on CPM, CPA, CPL and CPC bases.
Payout:- $100 Via Wire Transfer, Payoneer, Payza.
#7 InfoLinks Ads
Infolinks is In-text link based PPC ad network. If you have text based rich site or blog then Infolinks is best choice for earn some revenue. The best part of Infolinks is they don't need and space for banners. Infolinks show targeted ads for any relevant keyword from you content. You can also use keyword Tag cloud from Infolinks on you site or Infolinks can be use as search ads. Infolinks don't cover the spaces so that's why you can use other ads banner from Adsense or other alternative to earn more revenue for site content.
Ad Format:- In-text ads, Search ads or In Tag cloud.
Payment:- Minimum Pay out $50 via PayPal or wire transfer.
#8 Clicksor Ads
This is also one of the best Alternative for other in-text based as well for banner ads. Clicksor is best and popular platform of advertiser and publisher. Clicksor having several advertising format like in-text ads and contextual banner ads. Clicksor divides publisher in two groups on the bases of total impressions. Clicksor is Bid based CPC and CPM ads networks. Its offer less CPC rates as compare to above Sites. If also offer Referral Program mean you earn 10% revenue from the Publisher you refer for using Clicksor.
Ad Format:- In-text and contextual banner ads, Pop under and other text based ads.
Minimum Payout:- $50 through check or PayPal.
#9 SuperLinks
Superlinks is a fast growing new display based advertising network. Superlinks is one the best adsense alternative you don't need to worry about adsense if you are using superlinks. Superlinks offer Super Exit link, Super display ads, Super Footer, Super Interstitial, Super tower with various different size of banners. Superlinks is working through Google doubleclick network that means in case no highest paying banner is visiable then adsense ads will be displayed to fill space. Superlinks is one the best solution for you they offer CPC and CPM based earning.
Minimum payout is $100 via PayPal and $500 via payoneer wire transfer on the bases of NET35. So i recommend you to join superlink right now.
#10 Affinity Ads
Affinity has also make their best place in advertising market. Affinity has adopts many different kind of ways for publisher to earn more revenue from their website by implementation in Toolbar, In-text, search suggestion, gaming ads, widget and such kinds of amazing implementation. Affinity is also Bid Rates network based on CPC , CPM and CPA with better eRPM rates. Affinity have highest revenue sharing upto 95% as compare to others.
Ad Format:- In-Search, In-Domain, In-Content, Display Ads, Mobile Ads.
Minimum payout:- $50 via PayPal.
#11 AdHitz
AdHitz is growing advertiser platform but its performance on the publisher platforms not so good. AdHitz having number different types of advertiser but their offers less CPC rates as compare to other publisher networks so that’s why publisher choose Adhitz lesser ad compare to others. But if their is no choice left then I recommend you to choose Adhitz. Otherwise try on another ads programs first.
Ad Format:- Flat Rates PPC ads, Banner Ads.
Minimum payout:- $25 via PayPal.
#12 Kontera Ads
Kontera is almost similar to Infolinks ads networks. It is based on In-text and in-image ads for your text content for any selected keywords. Kontera show relevant ads for keyword shown in double underline which is also looks irritating for users . Kontera offers Less CPC rates but they having higher CTR rates. Kontera is also compatible which Google Adsense and other Networks. They also don't need any space of banner placement. So it is better way to earn side earnings with other Banners based ads. Kontera share 70% revenue with Publishers
Ad Format:- In-text based ads
Minimum Payout:- $50 PayPal or Wire Transfer.
#13 Conversant Media
Conversant media Ads holds a position in advertising networks. It is based on CPC and CPM methods. Advertisement format used by Conversant have contextual ads, different size of banner, pop ads and many other different format. Its offers good CPC, CPM and CPL rates better lesser as compare to above networks.
Ad Format:- Display Ads, Text Ads, Video Ads, Mobile Ads, In-text, Flash ads
Minimum Payout:- $25 via PayPal.
#14. AdsOptimal
AdsOptimal is fastest growing multi advertising network. It is one the best alternative to other pay per click sites. They offers Display ads, Page level ads and most advance feature like 360% Virtual Reality Ads which is really amazing in market. Adsoptimal is one the best platform for publishers they offers good RPM. Basically they have 3 different Levels Bronze, Silver, Gold for publishers sites which is based of domain authority, traffic quality and others factors. According to that factors they provide more High RPM premium ads.
Minimum Payout:- $50 Via Paypal Or Check
#15 ExoClick (Adult & File Sharing)
Exoclick is 4rd largest web and mobile ad network based pay per click mechanism. Exoclick mainly provide ads for Adult, Lifestyle & Entertainment, Streaming and File Sharing type sites. If you have any kind of site belonging to these categories then this network will perform better ad compare to others. It is 100% self driven platform with more 5 billion+ daily ad impression. They offer 20+ different ad format for Desktop, Mobile, Tablet and Smart TVs. They also provide deep targeting data and many optimization tools. Exoclick almost having all famous ad formats Banner Ads, In-strem video, Notification Bar, Popunder, Interstial, Instant Message, Text Ads. Even they also serve ads on Android apps. Overall this good alternative to other pay per click sites for those who have adult type content or any software, file sharing type sites.
Minimum Payout:- $20 via Paypal, Payoneer, Wire Transfer On Weekly bases.
#16. RevenueHits
RevenueHits is the best PPC ad network for publishers who want to generate more revenues with state of the art Contextual & Geo targeted Ad Serving technology. It provides self services for publishers, where any webmaster can come and get tags and start making money. RevenueHits also offers a self service for Advertisers, where anyone can come and buy very high quality traffic.
Bottom line – if you want to take your website or blog’s income generation to the next level, this is the best solution around. RevenueHits is the best ad network for monetizing websites.
Ad Format:- Display Ads, Text Ads, Pop up/under
Payout:- $50 via PayPal
#17. Affinity Ads
Affinity has also make their best place in advertising market. It has adopted many different kind of ways for publisher to earn more revenue from their website by implementation in Toolbar, In-text, search suggestion, gaming ads, widget and such kinds of amazing implementation. Affinity is also Bid Rates network based on CPC , CPM and CPA with better eRPM rates. It has highest revenue sharing upto 95% as compare to others.
Ad Format:- In-Search, In-Domain, In-Content, Display Ads, Mobile Ads.
Minimum payout:- $50 via Pa
I hope you enjoyed this article about best pay per click sites. I tried explaining only the best PPC networks from where you can earn some revenue. Their are numbers of PPC publisher site are available which we have not listed just because of their low CPC rates and performance. So I recommend you to choose any network which you like. We will constantly create new list of best PPC ad network for publisher on our new blog. Must check it for all new coming PPC ad networks.
A wire transfer is a fast way to move money electronically from one person to another using banks or nonbank providers such as Western Union or TransferWise. No physical money moves between locations. The term “wire transfer” comes from an era when banks relied on telegraph wires for these transfers.
A bank wire consists of instructions about who will receive the money, including the bank account number and how much the recipient should get. Nonbank wire transfers might not require a bank account, depending on the service, but they will require the recipient’s name, the transfer amount and the destination. You pay the amount upfront, so the transfer is final once processed.
Types of wires
There are two main types of wire transfers: domestic and international. The cost and delivery time vary for each. If you’re sending money overseas through your bank, you’ll generally use a wire transfer. Banks can wire amounts in the tens of thousands of dollars and send money in a foreign currency.
How long does it take?
Your money doesn’t go straight from one bank or provider to another. A real-time wire processing system clears the payments, like the way the Automated Clearing House processes ACH transfers such as direct deposits and bill payments. For domestic wire transfers, money generally gets processed the same day the wire goes out — usually within a few hours. International transfers, which involve a U.S. clearinghouse and at least one foreign country’s processing system, take at least several days.
What does it cost?
A wire transfer can be one of the more expensive ways to send money, especially through banks. You might pay a flat fee of around $25 to wire money to another person in the U.S. and about $42 to wire abroad, based on some of the bigger U.S. financial institutions’ current pricing. Recipients might also have to pay their bank, usually around $8 to $10, to receive the money.
International wire transfers have another cost, which can be hidden. Banks both in the U.S. and abroad charge consumers higher exchange rates than what they charge other banks.
For transfers through nonbank providers, the fee can depend on the provider, amount, destination, delivery and payment options, and method of sending money (such as online or in person). Generally, you’ll get a better exchange rate than you would at a bank.
For domestic transfers that are less urgent or involve a smaller amount, ACH transfers — such as external funds transfers — are better. Delivery can take several days, but they cost a few bucks at most.
How safe is it?
Wire transfers are secure and can’t be canceled once they’re sent, so make sure you know the person you’re sending money to. Scam artists might say you won a lottery or sweepstakes you never signed up for and then ask you to wire money to pay supposed fees. If you fall for a trick like this, you can’t get your money back. The one exception is if you make a transfer and then cancel it within a half-hour, assuming the wire hasn’t been picked up or deposited yet.
A wire transfer isn’t the type of money service you’ll need often, but when speed is crucial, it can be a lifesaver.
There are times that you or your business would like to make and receive payments in a foreign currency. A Domiciliary Account allows you to have accounts in currencies besides the Naira. You’ll also be able to pay into these accounts through cash deposits/inflows, traveler’s cheques or foreign currency cheque deposits.
Also, domiciliary Account also allows customers to maintain accounts in a foreign currency and can withdraw cash or make transfers or payments to suppliers offshore.
Domiciliary account, how it works
To open a domiciliary account in Nigeria, you will need to provide the bank the documents below. Keep in mind that for limited Companies and partnerships, you will have to identify at least two principals to the account. The popular domiciliary account in Nigeria is the gtbank domiciliary account, which you can open with the bank, even if you don’t have an account with GT bank or sign up with gtb internet banking.
1. Proof of identity
The bank needs to see ONE of the following documents: You can provide photocopies of these documents.
(i) Valid international passport
(ii) Driver’s license – Nigeria or International
(iii) National identity card
2. Proof of Nigerian address
Also, you need to provide proof of one of the following:
Power company bill (such as electricity, phone bill, waste bill, water) from the last couple of months- Most banks accept three months old electric bills or current month bill 3. Personal details of signatory/directors
Name, contact address and the contact phone number
4. General Business details
Business names, Nigerian address and contact numbers, principal trading activity and date your business started.
For Limited Companies and limited liability partnerships, the bank would have to see proof of business registration, such as:
(i) Memo and Article of Association
(ii) Copy of Certification of Incorporation
(iii) Copy of form C07
(iv) Printed copy of Tax Identification Number (TIN)
(v) Company seal
(vi) One passport photography of each signatory to the account
(vii) Board of director purpose (signed by 2 directors/1 directors and Company Secretary)
So, how can you withdraw from a domiciliary account in Nigeria?
Opening a domiciliary account is a brilliant thing to do because it lets you receive foreign currency in your account and exchange them when you need to in a black market.
If you’ve been saving or transferring funds into your domiciliary account in Nigeria, you might at one time need to make a withdrawal. And how can you make that withdrawal?
There are many ways one can make a withdrawal from a domiciliary account in Nigeria, although this also depends on the types of domiciliary account you have: Savings or current
How to withdraw
1. Submitting a detailed written application for withdrawal:
– Just write an application for a withdrawal addresses in your bank branch’s manager and you’d get the money, within 24 hours.
2. Using a withdrawal slip:
This works like a normal withdrawal slip used in many banks in Nigeria. You can find one across the counter, fill and wait to be paid from your foreign currency teller.
3. Writing a cheque (For currency domiciliary accounts):
Writing a cheque to withdraw out of your account is quite simple. Just indicate the total amount that you need along with your usual signature. You should be able to cash the cheque in front of the bank counter or pay into another domiciliary account. Of course, you will be paid in the foreign currency – Dollar, Euro, Pounds etc.
4. Wire transfer:
You can easily perform a wire transfer from bank to bank with either local or international and the fund can be transferred within a week.
5. Using an ATM card:
In case your domiciliary account is linked with ATM cards like MasterCard or visa, it is possible to withdraw from the globally connected ATM in Nigeria in Naira or abroad in the country’s currency. Keep in mind; this kind of withdrawal normally comes with a fee.
Do you have anything else to add to this article? Leave your comment below.
There are many ways you can transfer money worldwide. Money transfer services like MoneyGram, RIA Money Transfer , Walmart Money Transfer, and of course Western Union money transfer enable customers to send and receive money globally. I have received so many questions about Western Union money tracking and how does sending/receiving money through Western Union work? So, I have decided to summarize the answers in four easy steps.
How to send and receive money through western union
To receive/send money through the Western Union, all the sender needs are receiver’s first and last name, sender’s first and last name and the money. The sender fills out the western union form and hands it out to the Western Union agent in any of the locations. The information filled out will be entered into the Western Union’s machine and you’ll be allowed to confirm it before the agent hit send.
Now, here are the steps you need to receive the money:
How to Pick Up a Money Transfer
1) The first and last name the sender used on the Western Union form as the sender’s name.
2) The first and last name the sender used on the Western Union form as the recipient’s name
3) The ten digit Money Transfer Control Number (MTCN#)/Western Union Tracking number found on the upper right-hand corner of the Western Union paper form
4) The Test question/answer and the amount.
That is it, no ID needed in some countries, but in Nigeria you will need to show proof of IDs like international passport or driver’s license
Bear in mind that the Western Union is a risky and unsecured method to send money
Western Union and MoneyGram don’t verify anything on the form the sender hands out to the agent during the time of sending the money, such as the name, home address, country, and not even the receiver’s sex, it all comes down to you literally risking your money.
The agent won’t try to check ID and will essentially hand off the money to whoever that is able to confirm the MTCN#, amount, and the question/answer. Either one of the companies will be able to tell the sender who grabbed the money, at what bank location or even in what country the money walked out of the door. Also, the company has no sort of refund policy arrangement, money sent is money gone until the end of Jupiter.
In order to make sure you receive the money sent to you, you must go to any of the banks in your country that promote Western union to verify that you have an account with the bank before the money can be handed over to you. If you don’t have an account with the bank, you will provide a guarantor, usually this is the bank’s managers.
Western Union Money Tracking
Verifying that the MTCN# is correct on the company’s website won’t guarantee that the sender has actually sent YOU money, it just confirms that some cash was sent to someone. Until you have your money in your hand, NEVER expect to receive money sent to you.
In conclusion, don’t be discouraged about using Western Union to transfer money to friends, families or relatives. You just need to be careful when using this method to send/receive money. I hope this clears the confusion on how does sending/receiving money through Western Union work?
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