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Let's not delude ourselves into thinking it's easy to save especially in this fast dwindling Nigerian economy. It's hard but can be made easy if you follow these tips. 

Let's not delude ourselves into thinking it's easy to save, especially in this fast dwindling Nigerian economy. In fact, most of the time, our savings end up saving us. 
 
You are here because you've found it hard to save, but it can be made easy by following these.
 
<h1>Six Tips to Saving Efficiently.</h1>
<h4> </h4>
1. Do not live above your means: If you can, you should live below your means instead. For instance, if you earn 100k monthly, live like you earn 80k, that way you can save the remaining 20k. It's not easy but it's doable. 
 
2. Watch your spending habits: Learn to remove emotions from spending and spend logically. Sometimes close your eyes when you see something you would like to buy but have no need for. Have some self control and place importance on your needs over wants. 
 
3. Try saving apps: Apps like Piggyvest. It has some features and one of them is the ‘safelock’ which helps you to lock your funds for a period of time (as you wish), this can assist you to save better. Most online banks like Opay and Kuda also have savings feature. 
 
4. Physical saving box (Kolo): This may not work for everyone, because the cash can easily be accessed. But you can try it, if you're willing to wear discipline as your belt. Cash can be put in daily, weekly or monthly. Whichever option that suits you. 
 
5. Get multiple sources of income: To save efficiently you need to have the money. And to have more money, you need multiple streams of income. Be creative and find ways to make extra income. 
 
6. For a long term savings plan: Look into different profitable investments. Some of them include; Buying of lands, the value of land usually appreciates over time, agriculture can also be profitable in the long run. Lastly, you can invest in other currencies that may be stronger than naira. 
 
In conclusion, we should not underestimate the power of consistency and discipline in creating a good saving habit. They would help us in implementing these tips, which would improve our finances. 
 
You can take charge of your finances, saving and spending habits. Do not be a slave to money, you are above it and should be able to control it.
 
Picture source: Pexel
 
I am Reliev Ojike, a content writer. Follow for more informative articles.

How to Save Better in 2024 as a Nigerian Living in Nigeria

Cyber threats are prevalent in cyberspace, so we need to keep our devices protected to prevent them from being attacked. 

<h1>What are Cyber threats?</h1>
 
Cyber threats or cyber security threats are actions that pose harm to digital systems. These actions seek to destroy, steal or weaken digital life in general.
<h2> 
Some of these threats include:</h2>
 
• Ransomware is a type of malware that encrypts the data of the victim, rendering them inaccessible, until a ransom is paid (mostly in cryptocurrency) before access is granted. 
 
• SQL injection (SQLi) is a malware that allows cybercriminals to use a malicious SQL code to access and modify private information of the victim. 
 
• Man in the middle is a type of attack where a person secretly eavesdrops and intercepts a conversation between two parties.The attacker monitors and can perhaps change the messages. 
 
• Phishing is a type of attack that aims to deceive the victim by pretending to be a trusted person or family member. We have email phishing, voice phishing, amongst others. 
 
• Denial of Service is a cyber threat that aims to shut down a system, network or machine and prevent access to it. 
 
While there are many types and kinds of cyber threats, the most common ones have been explained above.
 
<h3>Protecting your device against Cyber threats.</h3>
<h4> </h4>
These are very useful tips to keep your device protected from the different kinds of cyber threats. 

1. Always keep your software and systems updated: Updates often include patches and security fixes that address vulnerabilities, reducing the risk of exploitation by hackers. Regularly installing updates helps maintain the integrity and safety of your system. 
 
2. Make use of Multi-Factor Authentication (MFA): This provides an additional safeguard which helps protect against unauthorized access, adding an extra layer of verification beyond just passwords. It is especially effective in enhancing security for sensitive accounts, including those involving payments and financial transactions. 
 
3. Check the strength of your passwords: Using complex and unique passwords is essential for enhancing security. A combination of numbers, uppercase and lowercase letters, and symbols makes it more challenging for unauthorized individuals to guess or crack your passwords. Avoiding password reuse is also crucial, as it prevents potential compromises if one account is compromised. 
 
4. Be cautious of random emails and links: Avoid clicking on links or opening attachments in such emails to prevent potential phishing attacks or the spread of malware. Verify the sender's identity before interacting with any unfamiliar emails to enhance your online security. 
 
5. Antivirus software is also important in keeping your device safe: Antivirus programs like Malwarebytes and Avast help protect your system by detecting and preventing malicious code or software that could potentially harm your computer. They play a crucial role in safeguarding against various cyber threats. 
 
6. Use a firewall: A firewall is a security device that helps to monitor traffic in one's network. It prevents unauthorized access into the computer network and blocks potential attacks before they can cause harm. It's a crucial component in the overall security strategy for protecting your network and systems. 
 
7. Enable data encryption if not already enabled: Data encryption is a key tool for maintaining the privacy and security of sensitive information, including data and photos. It transforms the data into a coded format that can only be deciphered with the correct encryption key. This adds an extra layer of protection, making it harder for unauthorized individuals to access or understand the encrypted content. 
 
8. Make sure stolen devices can be traced, secured or erased: To do this, ensure it has tracking features activated like, Find My Device (Android) or Find My iPhone (iOS). Regularly back up data to easily restore or remotely wipe if needed. 
 
In conclusion, cyber threats are prevalent in cyberspace, so it is paramount that we keep our devices protected to prevent them from being attacked.&nbsp;
 
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How Can Your Device be Protected Against Cyber Threats? Find out. 

SaaS is a very important part of technology as it provides relevant resources for everyday use. The accessibility, reduced cost, flexibility, security and other benefits also make it a preferred choice for many individuals and businesses.

Learn what is SaaS, how it works and the advantages/disadvantages.
 
<h1>What is SaaS?</h1>
 
Software as a Service also known as SaaS is a software that delivers applications remotely over the internet on a subscription basis. Common examples include email, calendaring and office tools. 
 
Users can access these applications through a web browser without the need for local installations.
<h4> </h4>
<h2>How it works.</h2>
 
SaaS is based on cloud computing. 
 
Cloud computing refers to the delivery of computing services, including storage, processing power, and applications, over the internet. 
 
It allows users to access and use these resources on-demand, without the need for extensive physical infrastructure. Popular cloud service providers include Amazon Web Services (AWS), Microsoft Azure, and Google Cloud Platform. 
 
SaaS application is accessible to any user with an internet connection and a computer, mobile phone or tablet. These applications naturally run in any web browser.
 
<h3>Advantages of SaaS.</h3>
 
Some advantages of SaaS include but not limited to: 
 
1. Accessibility: SaaS applications can be accessed from any device with an internet connection. 
 
2. Reduced cost: SaaS eliminates the need for organizations to invest in hardware, software and infrastructure, thereby, reducing upfront costs. 
 
Users typically pay subscriptions, which may be cost effective in the long run. 
 
3. Versatility: Users can easily change their subscriptions to accommodate different needs and numbers. 
 
4. Quick setup: SaaS applications are ready to use upon subscription, avoiding lengthy installation processes. 
 
5. Automatic updates: SaaS providers handle updates and maintenance, ensuring that users have access to the latest updates. 
 
6. Security: Respectable SaaS providers invest in strong security measures, thereby protecting sensitive data. 
 

<h3>Disadvantages of SaaS.</h3>
 
Some disadvantages of SaaS include: 
 
1. Dependency on internet connection: SaaS applications rely on internet connectivity. 
 
2. Costs over time: While SaaS usually has lower upfront costs, long-term subscription fees may accumulate over time. 
 
3. Data security concerns: Storing data on external servers may raise security concerns. 
 
4. Limited control: Organizations using SaaS have limited control over the software's development, updates, and maintenance as these are all handled by the provider. 
 
5. Service blackouts: If the provider experiences downtime or outages, users may temporarily lose access to the application, affecting business operations and productivity. 
 
In conclusion, SaaS is a very important part of technology as it provides relevant resources for everyday use. 
 
The accessibility, reduced cost, flexibility, security and other benefits also make it a preferred choice for many individuals and businesses.
 
Photo credit: Micoope
 
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What is SaaS? Advantages and Disadvantages.

Are you curious about the future of agriculture and the role that agrotech and biotech can play in it? By exploring these innovative technologies, we can unlock new ways to increase crop yields, improve food security, and reduce the environmental impact of farming. 

<h1>What is Agrotech? 
</h1>
Agrotech is the combination of agriculture and technology. It is the use of technological tools to improve and ease agricultural processes, leading to better crop and animal yield. 
 
In conventional agriculture, we see a certain level of productivity and yield that is affected by so many factors, but with agrotech, there is improved quality and yield.
<h4> </h4>
<h2>Applications include: 
</h2>
• &nbsp;Farm automation involves using technology to make farming more efficient. Technology performs tasks such as planting, harvesting and crop monitoring. Technology used include robots, drones, and sensors.
 
• Precision agriculture allows farmers to maximize yields by controlling every variable of crop farming. Technology such as GPS sensors and data analytics are used.
<h1> 
What is Biotech? 
</h1>
Biotech, short for biotechnology is the use of living organisms to make or improve a product. It may involve the manipulation of DNA or other relatively new technology. 
 
Agricultural biotechnology is the collection of various technology that helps us to improve crop or animal yield and quality.
<h2> 
Various technology that can be applied in agricultural biotechnology include: 
</h2>
• Genetic engineering/recombinant DNA technology which involves manipulation of genes by introducing, eliminating, or rearranging specific genes in the organism. 
 
• Tissue culture is the method of growing fragments of plants or animal tissues on specially formulated nutrient media. 
 
• Molecular breeding uses genomic tools in breeding plants and animals.
<h1> 
The future of Agriculture. 
</h1>
Investing in research on agrotech and biotech can lead to the integration of advanced technologies in agriculture, unlocking opportunities for sustainable development, increased productivity, and improved resource efficiency in the agricultural sector.
 
The different applications in agrotech and Biotech are key tools in agriculture. They both play crucial roles in agriculture and together they enhance efficiency and sustainability. 
 
Agrotech through automation and precision farming is able to monitor fields, plant health, weather conditions, crop development and yields, etc. It also helps farmers with smart machinery to optimize fertilizer and herbicide application, thereby saving resources and time. 
 
Drones help farmers to reach areas of their farms that are not easy to, access the fertility of crops and successfully plan irrigation. They can even be used to measure soil damage in cases of flood. 
 
Biotechnology through scientific techniques modify and improve plants, animals and microorganisms. It develops crops through improved nutritional quality, resistance to pests and diseases, resistance to drought. 
 
Using the recombinant DNA technology, DNA sequences are manipulated by inserting, removing or modifying in order to introduce a new trait or change a characteristic of an animal.
 
<h2>In Conclusion;</h2>
<h2> </h2>
These developments have reduced work hours, created more jobs, increased yield, and generally provided more nutritious foods. 
 
The future of agriculture indeed holds exciting possibilities. Continued advancements in robotics, artificial intelligence, and automation could lead to more extensive use of robots in various farming tasks. This shift has the potential to increase efficiency, reduce labor demands, and further optimize agricultural processes. 
&nbsp;
Photo credit: Pexel
 
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Agrotech and Biotech; The Future of Agriculture? 

While the benefits may outweigh the challenges, it is important to understand and take note of them. Balancing these aspects is key for informed decision making in agricultural technology. 

Agrotechnology or agrotech as we may know, refers to the application of technology in agriculture to enhance productivity, efficiency, and viability. 
 
While the benefits may outweigh the challenges,it is important to understand and take note of them. Balancing these aspects is key for informed decision making in agricultural technology.
<h1> 
Ten cons of agrotechnology. 
 
</h1>
Some challenges that can be faced in agrotechnology include: 
 
1. Environmental Impact: Agrotech can contribute to environmental degradation through the overuse of chemicals, leading to soil and water pollution. 
 
2. Reliance on Technology: Farmers that depend so much on agrotech may become overly reliant on technology, risking their livelihoods if systems fail or are interrupted. 
 
3. High Initial Expenses: The execution of agrotech often requires significant investment in the first place, making it financially challenging for small-scale farmers to take on. 
 
4. Data Privacy Concerns: The collection and use of data in agrotech raise privacy concerns, as farmers may be uncomfortable with sharing sensitive information about their practices and yields. 
 
5. Job Replacement: Automation in agriculture through agrotech may lead to job displacement for traditional farm laborers, contributing to rural unemployment. 
 
6. Limited Availability: Small-scale farmers in developing regions may face challenges in accessing and affording advanced agrotechnological solutions, intensifying existing inequalities. 
 
7. Loss of Traditional Knowledge: Over dependence on agrotech may contribute to the deterioration of traditional farming knowledge and practices that have sustained communities for generations. 
 
8. Susceptibility to Cyber Threats: The increasing connectivity of agrotech systems makes them vulnerable to cyberattacks, posing risks to both data security and operational performance. 
 
9. Mono cropping Risks: Agrotech may encourage mono cropping practices, reducing biodiversity and making crops more susceptible to pests and diseases. 
 
10. Ethical Concerns: The use of genetically modified organisms (GMOs) and other advanced technologies in agrotech raises ethical questions about the long-term impact on ecosystems and human health.
<h2> 
In conclusion, 
</h2>
Everything that has a good side usually has a bad side. 
 
Understanding the drawbacks of agrotechnology is crucial to making informed decisions in agriculture. 
 
Stabilizing benefits and drawbacks is essential for sustainable agrotechnological adoption. 
 
Image Credit: Pexel 
 
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Ten Cons of Agrotechnology: Challenges Faced with the Use of Technology in Agriculture.

Blessing wants to start a company that would produce and supply adire materials but she has one very big problem, see how she solves it. 

Blessing wants to start a company that would produce and supply adire materials. 
 
She has this idea fully formed in her mind already, she knows the plans and processes to execute in order to make the company a successful one, eventually growing to a very large scale. 
 
The one problem she has is this, for a start, she needs at least one to two million naira. Blessing has only about fifty thousand naira in her account, this wouldn't even be enough to cover the costs of transportation during the course of starting her company. 
 
After much thinking and deliberation, she tells her close friend, Simon about her situation. A very wise decision because Simon has a solution.&nbsp;
 
He tells her about venture capital. He tells her that through this, she can get adequate funds to start-up in exchange for shares in her company. 
 
Blessing is excited and grateful, she found the answer to her problem!
<h1> 
What is Venture Capital (VC)? 
</h1>
Venture Capital (VC) is a form of private equity funding given to startup companies with significant potential for growth. The funding/capital is given in exchange for equity. 
 
Now, these investors typically participate in management and decision-making in these startups in order to drive growth. 
 
While Blessing has the skill and expertise for this company, she may lack the knowledge in growing the company, the VC has a specialty in guiding new companies like hers. She also has access to their network of partners and experts. In the future, if there's a need to raise more money, she can depend on the VC firm for more aid.
<h2> 
What is a Venture Capital Firm? 
</h2>
This is a type of investment company that manages venture capital funds and makes those funds available to startups. 
 
Blessing has to approach a VC firm to secure the funding she needs to start her company and its operation. She would need to craft and submit a compelling business plan highlighting her company's potential. The firm performs due diligence and if satisfied, loans the money to her. 
 
In return for this funding, the firm takes ownership which is usually less than fifty percent of the start-up company. The VC firm then takes an active interest in ensuring that Blessing's adire company succeeds and becomes profitable. The firm may take an active interest in the production, marketing, distribution, sales, and even other aspects of daily operation.
<h3> 
In Conclusion, 
</h3>
This is a win for Blessing who has been able to solve her capital problem and would get extra benefits of knowledge and connection. And although it's a risk taken by the investor, it may bring huge profits in the end. 
 
Image Credit: Pexel 
 
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You Don't Have Capital But Want to Start a Company?

I've put together the basics for becoming a successful content writer. Whether you're interested in developing this skill or you're a writer who hasn't earned from their work yet, then this is for you!
<h2> 
What is Content Writing? 
</h2>
Content writing is the process of creating written material, from drafting to publishing. It involves crafting engaging and informative writing tailored for a specific audience.
<h2> 
Who is a Content Writer? 
</h2>
A content writer is a person who specializes in writing for various purposes such as blogs, websites, social media, and more. They are skilled at crafting engaging, informative, and persuasive content designed for a target audience. He or she often conducts research to produce high-quality content for specific goals.
<h3> 
Becoming a Content Writer 
</h3>
1. The first step &nbsp;becoming a content writer is to understand what content writing is all about. You can do this by taking classes and courses, developing your writing skills, and getting certifications. 
 
2. The next step is to choose a niche. Identify your interests and topics that excite you and build your portfolio by writing on them. Additionally, learn and practice using the right tools, such as grammar and punctuation tools, and web and social analytical tools. 
 
3. After this, you'll want to put your portfolio and resume together. Highlight your strengths, skills, and expertise, and include links to previous works. Focus more on quality than quantity. 
 
4. Now that you have your portfolio together, put yourself out there by applying to jobs and marketing your skills unashamedly. Believe in yourself and be confident. A confident person has a higher chance of getting the job even without prior work experience. Also, research about whatever company you apply to.
<h3> 
Charging Rates as a Content Writer 
</h3>
Research the present market rates to avoid undervaluing yourself. Your rates reflect the value of your work. Higher rates suggest higher quality of work while lower rates suggest lower quality. 
 
However, do not charge high if the value of your work is poor. Nobody would pay high for poor services, you'll only be seen as a fraud. Instead, pursue excellence and have unique skills. 
 
As a beginner content writer, charge no less than $50 and increase your rate every time you take a course.
<h3> 
In Conclusion, 
</h3>
Learn to be an excellent writer. You might not begin earning immediately but people always pay for value so don't be discouraged. Also, remember to network and collaborate as much as possible.
 
Photo credit: Unsplash
 
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Beginners Guide to Content Writing. Everything You Need to Know to Become a Content Writer 

Africa Fintech Summit

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🇷🇼 - Great Talent Today Ltd (GTT) is a leading Human Resources consulting firm based in Rwanda 🇷🇼. We specialize in providing strategic solutions tailored to meet our clients' diverse HR needs. At GTT, we are committed to delivering excellence and helping businesses unlock their full potential through innovative and impactful HR services.

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We HELP you PASS any IT certifications, without exam and training with the amazing policy of “Pay after you Pass”

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is a coffee grown in Rwanda that is known for its balanced flavor profile and notes of dried fruit, caramel, and florals

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Cotragagi Rubaya is a cooperative specializing in tea cultivation, supporting community development and sustainable farming. Situated near Nyungwe National Park, it collaborates with local farmers to produce high-quality tea while protecting the environment.

COTRAGAGI RUBAYA

The Rwanda Farmers Coffee Company links local farmers to global markets, promoting sustainable farming and high-quality coffee. It supports smallholders with training, resources, and fair trade to improve livelihoods.

RWANDA FARMERS COFFEE COMPANY

ASSOPTHE Cyohoha is a tea cooperative in Rwanda that grows tea in the Cyohoha and Rukeri areas. The cooperative is made up of smallholder farmers who work together to grow and sell tea.

ASSOPTHE CYOHOHA

Rwanda Trading Company is dedicated to helping smallholder farmers by creating strong and transparent supply chains that improve their economic freedom and security.

RWANDA TRADING COMPANY

RUTEGROC is a cooperative dedicated to sustainable tea farming, producing high-quality tea while empowering local communities.

RUTEGROC

Rwamatamu empowers women through coffee harvesting and operates a 20-hectare coffee plantation. It sources cherries from cooperatives and smallholder farmers, carefully processing and exporting them as a premium product

RWAMATAMU COFFEE LTD

Katecogro Farmers Tea is a group of farmers working together to grow quality tea. The cooperative helps farmers improve their lives and supports the community. It focuses on teamwork and sustainable farming.

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