*"HUSBANDS AND WIVES , STOP WASTING YOUR TIME PRAYING"*
Benson and his wife don't sit next to each other during Church services.
Even when going to Church services, they go in different vehicles; and when they travel in the same car, it is usually a very quiet and uncomfortable ride.
Benson sat at his usual spot in the Church service; the fourth line on the far left row. His wife sat on the center row.
The Pastor took to the podium.
*"Husbands, stop wasting your time praying"* the Pastor began.
The congregants got alarmed. No one expects to hear a pastor saying prayer is a waste of time.
I am not here to discourage you to pray, but to encourage you to pray right.
Husbands, stop wasting your time praying if you are not treating your wives well.
You come to church driving your expensive cars, giving your offerings and tithes, active in Church, some of you are Church leaders; but how are you treating your wife?
You may look good to us Church members, but it is your wife and children that know who you truly are" said the Pastor.
Benson turned to face his wife. She looked at him. Benson could see her eyes.
Her left eye swollen from the blow he gave her last week when she confronted him about his alcoholism, pornography use and mischievous behavior.
People couldn't tell she had a black eye because of the make up she had on, so well done.
The Pastor continued, "People have perfected the art of cover up. Here in Church, so many are hurting but you wouldn't know.
People come here wearing their nice clothes, shiny smiles, they are active in ministry but hurting a lot in their marriage.
"We have become numb and plastic, brushing things under the carpet. But today we shall heal; and shall address those wounds we hide."
The Pastor cleared his throat and continued, "Many of those who are hurting their spouses are using the church to hide.
They think that because they give offering s and tithes, because they make public prayers, because they read the Word or because they hold a Church leadership position that they are right with God. God is also interested in what you do in your marriage and in your family.
The Word says that when you treat your wife badly, it hinders your prayers. Men, you claim to be prayerful?
Hear this, "Your first ministry is your home. Stop trying to blackmail God with your service in Church yet you are mean and hurtful towards your spouse."
Many of the members of the congregation got restless and unsettled.
The Pastor continued, "Many of those who are being hurt by their spouse hide their pain and want to project an image that all is well to validate that they are blessed and in control.
Some of you are active in Church to run away from the pain in your marriages".
The congregation was silent. Some straightening their ties, others fidgeting with their Bibles, adjusting their sitting position.
This pastor was preaching truth and it was uncomfortable.
The Pastor continued, "The husbands are not the only ones guilty here... Wives, don't you know the Bible says when your husband found you he found good virtuous woman and you brought favour?
Then why are you the source of your husband's headache and stress? Have you been so toxic that you have turned your prayerful husband into a prayer-less one?
Do you make him regret marrying you because you bring more complications than he had before marrying you?
How you treat your husband can be a stumbling block in his walk with God or an environment that encourages growth.
Many of you wives married your individual husbands primarily because of their relationship with God, so why are you now destroying their relationship with God instead of celebrating and nurturing it?
Why are you being a burden to your husband emotionally, spiritually, socially, sexually and financially instead of being one who brings favour?"
Benson's wife looked at her husband. Benson looked at her, and she looked away.
The Pastor paused to drink his glass of water.
And he continued, "When I am thirsty, I drink a glass of water.
When your spouse gets thirsty, will you allow God to use you to bless your spouse?
You've been told many sermons that focus on you as an individual, that God will make you prosper as an individual.
I am here to tell you your blessings are tied to people, you are blessed to be a blessing to others. Our God is not an individualistic God.
Your blessing is tied to your marriage, your family. It's not about you; it is about Jesus and Jesus is about love.
What good is it to prosper and be successful when you have no love? It is all vanity.
God cares about your family, how you treat your spouse and children"
Silence. Silence. Silence...
"Yes, we pray. But what kind of prayers does your spouse pray because of you?
When your spouse prays, is it largely to cry to God because of the hurt you bring?
Is it to plead with God to change you from the monster you've become?
Is it to plead for grace to deal with how difficult you are? Or is to give thanks for you?"
Silence. Silence as grave yard
"Are you really prayerful? Do you really value prayer? What is prayer?
Then why is it that many of you find it easy to come to us pastors for us to pray with you as an individual, you find it is easy to pray in public, in a Church service or Bible study, but find it so hard to pray with your spouse?
Isn't that telling of what is going on in your marriage? Don't you know that the more you pray with your spouse the stronger your marriage will be?
But how can you find it easy to pray with a spouse you hurt or who hurts you?"
The Pastor paused and looked at the congregation. Eyes staring at him.
"I challenge you. I challenge you to pray with your spouse and to treat your spouse well. You must save your home, your marriage, your love!
Husbands, you are the head of the home. I challenge you to stand up and go to where your wife is and pray with her as a start of a more prayerful chapter in your marriage.
Don't do it because I asked you to but because you want to. Your choice"
One by one, the husbands present stood up.
Benson stood up too.
Benson walked to where his wife was.
The face of Benson's wife overwhelmed with love, she looked on as her husband walked to her.
She almost stood up but he gave hand gestures at her to stay seated.
Benson reached where she sat. Their eyes met.
Benson knelt down. He stared at her then kissed her swollen left eye.
"I am sorry" he said.
"Can I pray with you?" He asked.
She got up from her seat and knelt down too.
There, on the floor as the Church service was still ongoing, husbands prayed with their wives.
Benson prayed kneeling with his wife.
They prayed for forgiveness, for thanksgiving, for love, for renewal, for peace, for direction; for their marriage.
Marriages were healed.
If You have been blessed by this message please share. You might just be saving a marriage at the verge of being broken.
Are you aware that you can cut off the debit card and go fully cardless? The new cardless ATM Withdrawal in Nigeria is the smartest way to enjoy the benefit of banking. In this article, you’ll learn how to withdraw money without ATM card in Nigeria.
Cardless withdrawal is also called ‘Cash-on-the-go’ (COTG). It works via the Instant banking service portal using the USSD dial option. Some banks also allow this feature to work with banking apps too.
The traditional and most common way of enabling this service is really less cumbersome. By the way, the term ‘cumbersome’ shouldn’t come in because a baby can as well set this up.
Note: It is advisable to use the Paycode from your bank as listed in this article for each bank.
Your bank’s instant banking code. For example, *770#.
The SIM card registered to that bank account.
A mobile phone.
A bank app (for banks that support).
HOW TO WITHDRAW WITHOUT ATM CARD IN NIGERIA
With the basic things said, let’s proceed to the main procedures for cardless ATM Withdrawal in Nigeria.
1. DIAL THE INSTANT BANKING CODE
Dial the instant banking code on your mobile phone. You must use the sim card registered to the bank account. For example, if 08012345678 is registered on Mr. Pele account with First bank, that’s the sim to use. If it isn’t registered to First bank, it won’t work.
The instant banking code varies. For example, Wema bank instant banking code is *945# while GT bank code is *737#.
2. SELECT WIRELESS WITHDRAWAL OPTION
After dialing the code, find and select ‘Cash-on-the-go’ or ‘Cardless withdrawal’. It could be anything other than this depending on the bank. When you locate the option, input the number accompanying it on the command bar and send.
3. ENTER A ONE-TIME PIN
The next dialogue box will request for a one-time cashout PIN.
Note: This is the PIN you’ll use for the withdrawals.
Please take note of the PIN!
The one-time will not be your account transaction PIN.
4. ENTER AMOUNT
After entering a one-time PIN for the banking, enter the amount of money you want to withdraw. Some seconds later, a reference code will be forwarded to you via SMS.
5. PROCEED TO WITHDRAW
Now, go to the nearest ATM station or gallery to make withdrawals using the reference code sent to you.
WHAT TO KNOW ABOUT CARDLESS ATM WITHDRAWAL IN NIGERIA
Banks set minimum and maximum withdrawals support. While some banks limit it to 20,000 Naira, others set it at 30,000 Naira and 40,000 Naira respectively. Find out the limit set by your bank before proceeding.
Apart from using the instant banking code, some banks support this service via their banking app platform.
Not all ATMs support this feature. However, most of the Automated Teller Machines support this action. Try using ATMs situating at banks so as to easily use the service.
HOW TO WITHDRAW WITHOUT ATM CARD FROM ALL NIGERIAN BANKS
Various banks in Nigeria offer different ways of withdrawing money wirelessly. In this section of the article, I will show you how to withdraw money without credit card or how to withdraw money without debit card in Nigeria. Guess what, I will list all the banks in Nigeria and how to withdraw without credit card.
1. ACCESS BANK PLC
HOW TO WITHDRAW WITHOUT ATM CARD CARD ACCESS BANK
The steps to withdraw without credit card in Access bank is quite simple. Here is how to withdraw money without ATM card in Access bank.
Dial *903# on your mobile phone.
Find and select Withdraw Money.
Select ATM Withdrawal in the next screen.
Input the amount of money you want to withdraw on the screen.
Enter your 4-digit PIN.
A reference code is now sent to that registered sim. Now, take that PIN to any ATM stand closest to you.
Select cardless withdrawal option on the ATM by pressing ‘’.
Select Access Money on the screen.
Enter the phone number registered to that account.
Enter the amount of money again.
Enter the reference code that Access bank sent to you.
Unlike several other banks in Nigeria, Citibank withdrawal is done online using the banking app. Follow these steps to successfully withdraw without ATM card from Citibank Nigeria Limited.
Request for cardless withdrawal using the online portal via Citibank banking app.
You’ll be sent a one-time (OTP) PIN through the sim you used for registration.
Proceed to any ATM and complete withdrawals using the OTP sent.
3. DIAMOND BANK PLC
HOW TO DO CARDLESS WITHDRAWAL WITH DIAMOND BANK
Diamond bank also supports the cardless withdrawal in Nigeria. As a customer, here are the steps involved in the action.
Text ATM to 30811. This SMS will only work if the sim card is registered to that Diamond account.
You’ll be sent a 6-digit magic code for the transaction.
Go to any Diamond withdrawal center around you and select Magic Cash on the ATM.
Input the registered phone number.
Input the 6-digit PIN sent to you via SMS from Diamond bank.
Now, enter your 4-digit PIN. You might be requested to create a 4-digit magic PIN if you’ve not used the service before.
Hit continue and withdraw your cash.
4. ECOBANK NIGERIA PLC
Eco Bank
HOW TO WITHDRAW WITHOUT ATM CARD IN ECOBANK
Ecobank’s requirement includes the Ecobank app for the action to be successful. Here are the steps to follow to withdraw without ATM card from Ecobank.
Install Ecobank app from Google Play Store or Apple App Store.
If you’re not yet registered with the app, create an account and log in. If registered, input your account details in the Log in option to proceed.
Find and select Xpress Cash.
Select ATM.
Select your bank account if you have multiple Ecobank accounts registered to the app services.
Ecobank will generate an 8-degit Token.
Go to the nearest Ecobank ATM.
Select Expresscash.
Enter the 8-digit Tokengenerated earlier.
Enter the amount of money you want to withdraw and you’re done.
FIDELITY BANK PLC
WITHDRAW FROM FIDELITY BANK WITHOUT ATM CARD
Fidelity Bank
Dial *770*8*Amount#. For example, if you intend to withdraw 10,000 Naira, the code will be *770*8*10000#.
Continue by following the on-screen prompts.
Create a one-time PIN.
Enter your 4-digit banking and Fidelity will send in a Paycode.
Go to the nearest ATM station.
Enter the Paycode.
Enter your bank PIN.
Enter the amount to be withdrawn and you’re done.
FIRST BANK NIGERIA LIMITED
HOW TO WITHDRAW WITHOUT ATM CARD FIRST BANK
Dial *848*Amount#. For example, if you want to withdraw 10,000 Naira, the code with be *848*10000#.
Enter any other detail required.
Enter your account PIN.
Generate a one-time 4-digit PIN (OTP) and select Send.
First Bank will send in a Paycode to the registered SIM via SMS. You can as well check your email for the PIN.
Visit any First Bank ATM station.
Select First Bank Cardless.
Enter your bank PIN.
Enter the 4-digit OTP.
Enter the amount you want to withdraw.
Enter your phone number and your cash is out.
FIRST CITY MONUMENT BANK PLC
At the moment, FCMB is yet to launch a cardless feature as at the time of making this post. However, you can dial *329# to confirm for yourself.
GUARANTEE TRUST BANK PLC
HOW TO WITHDRAW WITHOUT ATM CARD GT BANK
Guarantee trust bank supports 3 different banking platforms for the cardless withdrawal. They include:
Internet banking
Mobile banking
USSD
Guarantee Trust Bank
HOW TO WITHDRAW WITHOUT ATM CARD USING INTERNET BANKING GT BANK
Log into the internet banking platform.
Find and select Account Transfers.
There are two options available there. The first is Cardless Withdrawal (GT-Rescue) and the second is Paycode (Cardless withdrawal).
If you select Cardless Withdrawal (GT-Rescue), you can only withdraw using a Guarantee Trust Bank ATM. If you select Paycode (Cardless withdrawal), you’ll be able to withdraw from any other bank’s ATM.
After making your choice, GTB will present you a form to fill.
The form will require your Name,Mobile Number (registered to the account), Account to Debit, Terminal Type, Amount to Withdraw, etc.
Enter Answer to Secret Question.
Enter the Token Code sent by GTB and submit request.
GTB will send you a Reference Code which will be used for the withdrawal.
HOW TO WITHDRAW WITHOUT ATM CARD USING MOBILE BANKING GT BANK
Download GTB app from Google Play Store or Apple Store.
Create an account or Log in to an existing account.
Click on the Menu option.
Select Cardless Withdrawal.
Click Cash Out (GTBank ATMs) if you want to withdraw with only GTB ATM.
Click Cash Out (All ATMs & POS)if you want to withdraw for other banks’ ATM.
Fill out the form and click Continue.
Enter you Token Code or 4-digit PIN and tap Done.
A Reference Code will be sent via SMS.
HOW TO WITHDRAW WITHOUT ATM CARD USING USSD GT BANK
Dial *737#.
Select 8 – Next Page.
Select 1 – Cardless Withdrawals.
Select 1 – GTBank or 2 – Other Bank.
If you select 2 – Other Bank, continue to select Terminal.
Select Terminal as ATM or POS.
Input Amount.
Enter 4-digit code.
Enter the pre-selected 4-digit PIN.
Reference Code will be sent by GTB via SMS or email.
Now, depending on your option, you’ll have to either go to ‘only’ GTB ATM or Other Banks’ ATM.
If you’re using Cardless Withdrawal (GT-Rescue) option, do the following:
Press enter on the ATM.
Select Cardless Withdrawal (GT-Rescue).
Enter the Reference Code.
Enter Amount to withdraw and press Enter to withdraw your money.
If you’re using Paycode (Cardless withdrawal)
Select Paycode on the ATM.
Enter the Paycode sent to you.
Enter the PIN number you preselected on the internet banking.
Enter the Amount.
Press enter and withdraw your money.
9. HERITAGE BANK
HOW TO WITHDRAW WITHOUT ATM CARD IN HERITAGE BANK
This can be done using Paycode.
Dial *322*030*8*Amount#. For example, if you’re withdrawing 10,000 Naira, it will be *322*030*8*10000#.
Follow the on-screen prompt to complete the process.
Go to the nearest ATM and select Paycode Cashout.
Enter the generated digits sent to you by Heritage Bank.
Confirm with your 4-digit pin.
Enter the exact amount and withdraw your cash.
10. POLARIS BANK
HOW TO USE POLARIS BANK CARDLESS CODE IN NIGERIA
Simply dial *322*8*Amount#. Complete the on-screen prompts and go to the nearest bank ATM. Select Paycode, enter the reference code and other details to withdraw.
11. STANBIC IBTC BANK LTD
STANBIC IBTC CARDLESS WITHDRAWAL
Dial *909# to enter the USSD banking. Find and select cashless withdrawal. Follow the screen prompts to continue. Now, do the following:
Go to the nearest ATM and select Paycode.
Enter the required details and withdraw your money.
12. STERLING BANK PLC
HOW TO WITHDRAW MONEY WITHOUT ATM CARD STERLING BANK
Sterling Bank refers to this feature as Dial4Cash. Here is how to use it.
Dial *822*42#.
Follow the screen prompt to create a one-time PIN (OTP).
Enter your transaction pin to receive a Reference Code via SMS.
Go to the nearest ATM station.
Enter the Reference Code, selected amount, and OTP to withdraw your cash.
UNION BANK OF NIGERIA PLC
HOW TO WITHDRAW WITHOUT ATM CARD WITH UNION BANK
Dial *826#.
Follow the on-screen prompt to generate a Paycode.
Visit the nearest ATM station.
Select Paycode.
Enter the required details including Reference code, amount and OTP.
Withdraw your money.
14. UNION BANK FOR AFRICA (UBA) PLC
HOW TO WITHDRAW MONEY WITHOUT ATM CARD UBA
Dial *919*30*Amount#. For example, if you’re withdrawing 10,000 Naira, the code will be *919*30*10000#.
Follow the on-screen prompt.
Generate a Reference code.
Go to any ATM center.
Select Paycode.
Enter the Cashout code and amount. The amount must tally with what you selected previously.
Cash out.
15. UNITY BANK PLC
HOW TO WITHDRAW MONEY WITHOUT ATM CARD IN UNITY BANK
You can use the Paycode option to withdraw from your Unity Bank account without credit card. Here are the steps involved.
Dial *322*215*8*Amount#. For example, if you’re withdrawing 10,000 Naira, the code will be *322*215*8*10000#.
Visit the nearest ATM center.
Select Paycode Cashout.
Input the required details including your 8 to 14-digit paycode and the amount.
Wema bank also supports the trending cardless withdrawal in Nigeria. Here is how to do it.
Dial *945*8*Amount# with the registered SIM card. For example, *945*8*10000#.
Enter a Cashout PIN.
Enter the amount you want to withdraw (it must not exceed 20,000 Naira).
Wema bank will send you a Reference Code (Cash Out Code).
Go to any ATM center to complete the withdrawal.
Select Paycode.
Input the required details and withdraw your money.
HOW TO DO CARDLESS WITHDRAWAL WITH ALAT
Install ALAT, enter your login details and sign in.
Click the menu option at the top-left screen.
Click Send Money.
Select ATM Cardless Withdrawal.
Click Generate Paycode.
Provide the required details and use your ALAT PIN for confirmation and ALAT will send the Paycode to your email.
Visit the nearest Paycode-enabled ATM and press the Enter key to reset the ATM screen.
Choose CashOut Paycode.
Enter the reference number and the cashout PIN sent to you.
Enter the amount of money you want to withdraw.
Now, you have your money cardless from Wema ALAT.
17. ZENITH BANK PLC
HOW TO DO CARDLESS WITHDRAWAL WITH ZENITH BANK
Dial *966*60#.
Select option 7 to proceed.
Follow on-screen options.
Proceed to the bank to complete withdrawal.
18. KEYSTONE BANK LIMITED
HOW TO DO CARDLESS WITHDRAWAL KEYSTONE BANK
Dial *7111#.
Select cardless withdrawal.
Enter your OTP.
Enter amount.
Go to any Keystone ATM and select Paycode.
Enter the code sent to you.
Re-enter the amount for confirmation and you’re done.
You may as well perform this action using the mobile app but USSD is a better and faster way to go cardless.
19. STANDARD CHARTERED
HOW TO DO STANDARD CHARTERED CARDLESS WITHDRAWAL
Download SC Mobile (Standard Chartered banking app) from Play Store or Apple Store and launch the app.
Enter your Password and Username. If you have no Standard Chartered mobile account, click on Sign Up to register.
When the app launches, select QR Pay.
Pick the account that you prefer for QR payment.
Enter a preferred 4-digit pin.
Now, check your message inbox and input the OTP sent to you.
Select ‘Allow App to Access Camera‘ when your phone prompts.
You can now visit any merchant or online store to make your purchase. To make purchase, simply allow the app to use your camera for scanning the barcode provided for you.
Note: With SC Mobile app, you can spend up to 2,000,000 Naira daily. It is just as if you’re using your credit card for transactions. Interestingly, all transactions are free of charge!
20. TITAN TRUST BANK
HOW TO DO TITAN TRUST BANK CARDLESS WITHDRAWAL
Titan Trust bank does not offer cardless services at the moment. If , perhaps, they decide to integrate cardless withdrawal in the future, please inform us using the comment section. Thank You.
21. SUNTRUST BANK NIGERIA LIMITED
HOW TO DO SUNTRUST BANK CARDLESS WITHDRAWAL
SunTrust bank does not offer cardless services at the moment. If , perhaps, they decide to integrate cardless withdrawal in the future, please inform us using the comment section. Thank You.
22. PROVIDUS BANK LIMITED
HOW TO DO PROVIDUS BANK CARDLESS WITHDRAWAL
Providus bank does not offer cardless services at the moment. If , perhaps, they decide to integrate cardless withdrawal in the future, please inform us using the comment section. Thank You.
23. GLOBUS BANK LIMITED
HOW TO DO GLOBUS BANK CARDLESS WITHDRAWAL
Globus bank does not offer cardless services at the moment. If , perhaps, they decide to integrate cardless withdrawal in the future, please inform us using the comment section. Thank You.
Meanwhile, do you have problem picking the best car for Uber? Check out the recommended cars for Uber Nigeria.
FINAL THOUGHT
Since the introduction of cardless ATM withdrawal in Nigeria, business took a new turn. And be the day, newer introductions will come in to ease what we do daily. Don’t worry anymore about the credit card at home. Put on your mobile, follow the steps and cash out.
*My money, my house, my car, my children, my certificates, my job, my husband, my wife, my families, my clothes, my SHOE.....*
*My ! My!! My !!! What is this life worth?*
*A man was informed about the death of his father, but he tarried. When his father started smelling, their neighbours took his father to the mortuary for preservation.*
*A week later, he went to the mortuary to see the corpse of his father. When he was about to enter the place, there was a poster placed at the entrance of the mortuary, of which no one can escape it. It read:*
*“ WE WERE LIKE YOU BEFORE, BUT WE ARE HERE NOW. â€*
*The young boy read it, but it didn't make any sense to him.*
*He went inside, checked the corpse of his father, after a few minutes, he made his step out.*
*As he was about to step outside, he saw another inscription placed on a strategic location, which no one will escape. It says:*
*“ YOU WILL SOON BE LIKE US. â€*
*This last word touched his stone heart and he repented from that moment. From that moment, he understood,*
*Everything here on earth is like a dream, a vapour. Life itself is not real, as everything is temporal.*
*You will soon be like those that were once Living , Eating , Sleeping , Walking , Talking , Laughing here on earth , but today ......*
*They're NO MORE.*
*When he got to his father's mansion, there was nobody to talk to, his father left his shoes, clothes, money, bed, cars, EVERYTHING.*
*As he was searching his father's wardrobes, he saw untouched brand new dollars, well packed and arranged, but the owner of the money was in the mortuary. The young boy remembered,*
*“ WE WERE LIKE YOU BEFORE, BUT YOU WILL SOON JOIN US. †He cried the more.*
*You eat chicken with vegetables and fish, turkey, meat , fried rice, and drink wine today , but tomorrow, your flesh becomes food for maggots.* where will your soul go to?
*You drive a nice car today, but tomorrow, a car drives you.*
*You live in a mansion today, but tomorrow you live in burial ground.*
*You sleep in a nice bed today, but tomorrow, you sleep inside the Grave !*
*There is no replacement for your soul ? It is priceless, unique and peculiar. The soul is the real you. It lives on after death.*
*You will lose everything if you die without GOD and without living for Him.*
*Please, ruminate on this, reconcile with your creator, and have a positive change of heart, so that your living on earth shall be to God's Glory and at the end of your sojourning on earth, you will not end in oblivion.*
*A WORD IS ENOUGH FOR THE WISE.*
*“ Indeed we belong to God, and indeed to Him we shall return. â€*
*You might think you are in right standing with God therefore this message is not for you but for sinners. You may deceive yourself*
*IF INDEED YOU ARE WISE PLEASE DON'T LOOK DOWN ON THIS MESSAGE OR THE PERSON WHO SENT TO YOU*
*IT IS OPERAT ION RESCUE*
*PLEASE SHARE TO SAVE A SOUL.ðŸ™ðŸ¼ðŸ™ðŸ¼ðŸ™ðŸ¼
Most girls in Nigeria has 4 boyfriends.. Bestie, Boo,
Big head and Shuga Daddy.
Bestie- Usually a childhood friend or high school boyfriend. Nigerian girls are more fond of this person,share secret with him, they're very free with this guy even tho they know he can't marry them. They can come out of the shower naked while he is sitting on her bed pressing phone. He's usually the guy that satisfy her when she Want to prove to Boo she can stay 6 months without sex. They usually cheat on their marriage or relationship with this particular person. In Nigeria, Bestie dey shift pant. Bestie cannot make heaven.
Boo- The official boyfriend. The one they post his picture on social media and tag. He is usually financially balanced and takes care of small small needs. He is d one she is hoping will propose and give palm-wine to her village people. Every girl has atleast one boo in Nigeria. He is also sometimes d beneficiary of shuga Dadies generosity.
Boo will make heaven.ðŸ˜ðŸ˜ðŸ˜¢
Big head- That innocent guy who loves them and are really ready to spend on them, they see guys like this as ATM and will always like to tease him with some funny names like big head and all that to make him feel involved but deep down their heart he has no place in their hearts..Sometimes when bestie and boo disappoints, Big head becomes important... Big head is also d one they ask to keep quiet when their phone rings, big head can never get head or sex, big head can only get a Peck after she gets alert, big head is usually d MUMU and MUGU. Big head never gets angry because he is hoping that she might love him back someday. Big head is d one they save as big head, fool, idiot, mumu etc in their phones.
Big head cannot make heaven, there no place for fools in heaven.🤣😂
Lastly is SHUGA DADDY
Almost every girl in Abuja have shuga daddy. He is d one they call Zaddy. He is d one they call uncleeeee, he is d financier, the real maga, he is d one that takes her on trips to Dubai and Ghana. He is d one that calls her even @ midnight and she will leave u with ur konji. When Zaddy calls, she must answer. Zaddy is d one that pays house rent, dstv sub, skool fees, Christmas shopping.
Zaddy is d one she calls when she has police case or landlord harassment. Whenever they re with Zaddy, they put their phone on silent or flight mode, Shuga Daddy can never make heaven.
Your personality is the wholistic representation of who you are in another persons eyes. And hence, your skin plays a very important role in how you are perceived. Beautiful and healthy skin, it will add to your personality by simply saying that i care enough about myself to care about everything around me as i am a part of my surroundings. That is why we spend thousands of bucks on cosmetics and in beauty parlors for skin care treatments. As much as those work for the last minute touch up, there are many things you can do on a daily basis to keep your skin healthy.
Causes For Skin Damage:
But before we give out the healthy skin tips, we have to make a mention of what is it that causes so much damage to your skin. Below mentioned are the reasons.
1. Lack of hydration:
Just as you need to hydrated to avoid feeling the sensation of an extremely dry throat, it is essential to hydrate to keep away the dry and stretchy feeling from your skin. The skin cells are also made of water and need to be replenished for the skin to stay hydrated. Drinking a lot of water is the only way to go about this because water is claimed to be the best food for skin.
2. Smoking:
Whatever the reasons you started, by now you must have realized that it does nothing to reduce your stress levels. The only thing it does manage to do apart from making you prone to various respiratory and heart troubles is dry your skin out and make you look like a cracked board. So quit!
3. Sun damage:
How amazing those few hours of fun in the sun make you feel! But then when you look at yourself in the mirror, you face falls. Literally. For the damage your skin has suffered due to exposure to the UV rays is apparent. You cant avoid the sun but you can use sun protection. Never forget it.
4. Lack of exercise:
It makes you fat of course and that introduces very many more health problems but it also plays a role in the lack of luster in your skin. There isn’t enough flow of blood which is essential for the oxygen to travel across the body to each cell including the skin cells.
5. Bad eating habits:
The skin needs different nutrients and those fast food joints you love are not where you will find it! Feed your skin the right food and it will respond with that lovely look you want. Tit for tat!
Now that you know what you need to stop doing. Here are the tips for healthy skin.
How to get healthy skin:
Tip 1: Minimal makeup
Ladies, can you please minimize makeup usage? It is really not necessary to always use a blush, concealer, foundation, mousse or whatever it is. It may add a fine coating to your skin making it glowing skin, but what about your real skin? Is it really glowing? No matter how expensive the brand is, it damages your skin to a large extent. We are not asking you to throw them off your shelf; keep those away for special days. The rest of the days, tone and moisturize your skin, use sunscreen. Let your skin breathe.
Tip 2: Face cleansing
This has been told by all beauty experts umpteen times when asked how to maintain healthy skin. Even if you are too tired after a long party, cleanse all dirt and makeup from your skin. Your face needs to be cleared of all the chemicals in makeup. The makeup acts as a tight mask on your face keeping your facial pores clogged. If you go to bed with all these makeup on, you’ll wake up the next morning with a huge embarrassing pimple.
Tip 3: Slather on sunscreen
Sunscreen is a must for your skin. The rays of the sun are harmful beyond thoughts. Skin cancer, premature aging, skin rashes all of these are caused when your skin gets too much exposure to the sun without any protection.
Use a big dollop of sunscreen with SPF on your face whenever you are going out to protect your skin of all the anomalies caused to your skin by the harmful sun rays. Do not care for the season or whether the sun is out today or it’s cloudy. Use sunscreen always. Beauty experts also advise using sunscreens even if you are at home or inside a car or even if you on a flight. Celebs swear by SPF measured sunscreen to keep skin healthy and free from any diseases or ugly tanning.
Tip 4: Exfoliating face
All the healthy skin tips for women say that you should exfoliate your face at least twice a week. Scrubbing your face will rid your facial skin of all the dead cells that might have clogged your pored leading to acne breakouts, blackheads and whiteheads. Scrubbing your face will also improve your complexion, adds a glow to your skin and also clears your skin of all toxins. Don’t keep your skin scrubbing daily, it will make your skin look even drier.
Tip 5: Moisturize
Yes, other than keeping yourself internally hydrated, also use a good moisturizer to feed your skin. Moisturizers do not add a great deal of moisture by themselves but they lock in the present moisture and are hence essential to keep your skin hydrated. After a bath, make it a routine to moisturize your face daily to keep it hydrated. Before bedtime, place a towel soaked in warm water on your face and keep for some time. This way the pores of your face will open allowing the moisturizer to soak into your skin.
Tip 6: Eat proper food to get healthy skin
Food provides life to your skin. Everything you eat in your everyday life contributes to a healthy skin. Only that you have to cut out on some and add some more.
a. Vitamin C rich foods:
Have fruits and veggies rich in Vitamin C. Vitamin C manufactures collagen that is responsible for the firmness of your skin. So you quite well understand that lack of vitamin C in your diet will lead to the formation of wrinkles at an early age. Vitamin C is also an anti-oxidant that prevents collagen damage. With Vitamin C rich foods in your diet, your skin will not suffer from dryness, wrinkles and fine lines around eyes or lips. Have all citrus fruits, strawberries, broccoli and red peppers to tone up the younger look skin.
b. Vitamin A:
Who doesn’t want a smooth complexion? We all do, but for that we don’t need to spend thousands of bucks when we have the solution in our refrigerator. All red, orange and green leafy veggies are rich sources of beta-carotene (a form of Vitamin A). It is necessary for cell formation and therefore your skin surface stays smooth and touchable. Carotenoids also protect skin from sun. Turnips, sweet potatoes, carrots, spinach, squash all of these are rich sources of Vit A.
c. Healthy fats:
Nuts are fatty and are not good for health; that is a misconception. Of course nuts are fatty, but they are filled with healthy omega-3 fatty acids. This falls under that healthy category of fats that is essential for us. Have a handful of almonds and walnuts daily for a supple looking clear skin. Flax seeds are another good option to consume omega-3 fats. If you are a non-vegetarian, have salmon atleast twice a week. This fish is also rich in omega-3 fats.
The oil you cook your food in should also be taken care of. Switch over to olive oil which is a rich source of mono-unsaturated fats. It will bring a radiant glow to your skin.
d. Tomatoes:
Tomatoes doesn’t need a very special mention when it comes to healthy facial skin. They contain a magical ingredient called lypocene which is an anti-oxidant that helps fight old age. It can keep your skin at bay from all old age signs like wrinkles, dark spots and patches or saggy skin.
e. Zinc and iron:
Eggs, lean meat, oysters and cereals supply a good mount of zinc and iron to your body that imparts that much wanted celeb like glow. Zinc helps in cell production and natural weariness of dead cells giving your face a fresh look. Iron is needed to carry oxygen through the body that gives a blushy glow to your face.
f. Fibers:
If you are the one suffering from acne often, its time you think of including fiber-rich foods in your diet. One of the reasons for acne breakouts is indigestion. And the best solution discovered so far to improve your digestive system is having foods rich in fiber. Having whole-grain breads, brown rice, apples, bananas, oatmeal are proved solution to minimize acne.
g. Water:
Drink enough water throughout the day to keep your skin hydrated. Do not allow your skin to feel thirsty. For a soft, supple and dewy look, water is a must. Follow this diet regime for a healthy skin and cut down on all fried and unhealthy fatty foods.
6 Ways To Keep A Woman Happy Even When You're Broke
~2.2 mins read

Forget the old adage about having to pamper your wife with cash to keep her happy.
Although money is very important to the success of any relationship, two lovebirds can happily live without money.
Use these tips to make your wife happy without spending a dime:
1. Be sincere
Your millions of dollars can't buy your happiness. Women value men who are honest with them, and nothing scares them off than a dishonest man.
If you don't like her outfit, makeup, or some habits, just let her know instead of paying a forced compliment.

2. Compliments
We all love compliments, but women especially have a weakness for men who compliment them.
Make an effort to remind her how beautiful she is and never let her new look go unnoticed.
Even though she already knows she's pretty, it hurts not to repeat it over and over if that makes her happy.

3. Make your dinner
While most men don't like to cook, most women appreciate a man who has the skills.
Learn how to cook your favorite food and leave it on the couch when you are busy in the kitchen every now and then.
Offering to cook or do the dishes for her shows that you are a caring and romantic man and that is every woman's wish.

4. Get their flowers
Go into the garden, pick flowers and make her a nice bouquet.
With a small handwritten note with a cute message on it, drop the flowers on your desk while you work.
This will definitely brighten your day and you will stay on your mind all day.

5. Respect
Now I cannot stress that enough. In the patriarchal society we live in today, we get a man who really respects a woman for whom she is quite a job.
Respect her space, privacy, principles, decisions, and everything she does.
Unless she just wants your money, no woman of this age can endure a disrespectful man.

6. The little things mean a lot
If you hang out with your guys year round and she complains, you will think she is getting petty.
But honestly, it's these very little things that matter most to women. Listen to her, be there for her, open the door for her to appreciate her efforts.
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