August 27, 2016

Banking in Ghana

Banking in Ghana-viable or visible

The banking sector over the decade has seen tremendous expansion in Ghana. This has brought some high level of competition in the sector making it possible for easy access to banking products.
Currently, there are about 32 universal/commercial banks in Ghana and still counting. These banks are scattered all over the country offering different banking products and services to customers. 
My question is; is banking in Ghana all about branch visibility or viability, as we have seen in recent times.
Surprisingly, with over 32 banks in Ghana, the percentage of the ‘Nobanked’ population is still about 70% of the total population of the country. Does this simply means that the banks are not doing something right or the people are just not comfortable dealing with the banks?

Recent Update in the Banking Sector
The banking sector is facing stiff competition from the mobile money philosophy which allows everyone to transact business without a bank account. Currently, there is close to 30.1 million mobile money subscribers in the country which is more than the total population of Ghana. 
This is a clear indication that there is potential viable cash available for the banks and government if only they can develop innovative and smart ways to get them on board. A survey conducted indicates that people prefer the mobile money platform to a bank or having bank account. 

These are some of the reasons they gave;
1. Banks are too rigid in their operations and procedures.
2. difficult in accessing funds/loans.
3. cumbersome & long account opening requirement.
4. high and hidden charges on accounts. 
5. flamboyant/intimidating banking halls. 
Most people said, they will only open bank account if they are doing business with government, or for salaries and for sending remittances.

Now is banking in Ghana a Visibility or Viability
Branch network transformation has become the new strategy for retail banking in recent years and all the banks in the country are massively expanding their branch network. Banks are putting up huge expensive branches with flamboyant branding across the length and breadth of the country. Most CEOs and retail banking managers have said that branch visibility is the way to go, taking banking to the doorstep of the customer. 
Unfortunately, customer habits are changing rapidly with the explosive growth in mobile money platform & mobile banking, and fewer people visiting the branches as a result. A survey revealed that most of the customers who visit these branches are the very low income earners who do so just because they need a bank account to receive their salaries.

In spite of all these new trending development, banks are still on an aggressive branch expansion. They end up panting on their Profit and Loss, with the huge cost of rent and the branding cost over a period. Then I ask how can a bank post good profit when you open unprofitable branches. Is it a question of branch visibility that banks are interested in or they should be much more focused on viability and best customer service to their customers to grow their business?

Viability of a business is measured by its long-term survival, and its ability to have sustainable profits over a period of time. If a bank is viable, it is able to survive for many years, because it continues to make a profit year after year. The longer a company can stay profitable, the better its viability. A business demonstrates its viability by making a profit every year of its existence, Viability is like trust. Once someone's trust in someone is taken for granted, it's almost impossible to get it back.

In Conclusion, Banking cannot be better if customers are not offered great service & products, since this is what ignite growth and profitability. Viability must be preferred to Visibility; banks should resource their research and financial intelligence team to conduct detailed feasibility before opening branches. “

August 09, 2016

How To Download Whatsapp For Mac Or Windows Pc Without BlueStack Or Emulators

Technology Keeps on advancing. Now you can use Whatsapp on Windows or Mac without emulator. You don't have to download any heavy emulator before you can run Whatsapp on Windows or Mac PC or Laptop.
whatsapp download for pc


This tutorial will guide you step by step to download and run Whatsapp on your mac or windows PC or laptop. Let's get to it.



Step 1 is to have a whatsapp account which you should already have if you use whatsapp for communication. This is simply setting whatsapp on your android or iphone and it is tied to your phone number.

Step 2 is to download Whatsapp for Mac or Windows Pc or Laptop from the whatsapp official website.

Step 3 is to run the whatsapp app on your mac or windows pc. A screen will load with a QR code as shown below.

whatsapp download for pc

Step 4. On your android or iPhone, open the Whatsapp app.

Step 5.. In iPhone, choose the “settings” tap and select "WhatsApp Web" as shown below. On android, simply choose the “options” tap and select "WhatsApp Web". A screen will show and ask you to scan the QR code on the Mac or Windows PC screen.



Step 6.. Scan the QR code on the Mac or Windows PC screen and wait for a moment. Whatsapp desktop client will retrieve all your contacts and conversations and tadaaaa!!!, You can now start using Whatsapp on windows or Mac PC without BlueStack or any emulator.


A very simple basic step by step process. Kindly ask any questions in the comment section or in our forum and we'll do our best to help you out.

How To Choose Or Enable Dark Mode or Night Mode Theme In Windows 10 Anniversary Update

Now Windows releases the Windows 10 Anniversary Update and a lot of questions come with it. 

enable night mode or dark mode in windows 10 anniversary update

A lot has changed with this new windows 10 anniversary update and one of the most amazing features it came with was the ease to change theme to dark or night mode. If you have installed the latest windows 10 anniversary update, then this tutorial will help you to enable night mode or dark mode theme with a step by step guide. Lets get to it.


Step 1 is to launch the settings app. That's where all changes will be made. To easily launch the app, simultaneously press the windows key and the “I” key together. This will launch the settings app as shown below and we will be ready to change our theme.

enable night mode or dark mode in windows 10 anniversary update

Step 2.. Choose “Personalization” from the settings page and from the left panel, choose colors as shown in the image below..

enable night mode or dark mode in windows 10 anniversary update

step 3..Check the bottom of the new window that appears , there is a section titled “choose your app mode”. Select this section.

Step 4.. Now below the window, there are two options named “Light” and “Dark”. Select the Dark option as shown below and tadaaaa!!!! you have enabled dark theme mode in windows 10 anniversary update.

enable night mode or dark mode in windows 10 anniversary update

If you want to use the dark theme mode across the windows platform and activate it for supported apps and softwares, Just do the following.
After selecting the “Dark option from Step 4, look right above it (the "Dark" Option), there are two options which are “show color on title bar” and “show color on start, taskbar, and action center”. Make sure both options are turned off.
Now, you can see colors in boxes above the interface. This is the accent color. The Color you want to use alongside the dark color especially when you are using apps and softwares. This is a personal decision but if you don't know which color to pick, just check the “Automatically pick an accent color from my background” button right below the colors and you're all set for the dark theme in windows 10 anniversary update.

Kindly ask any questions in the comment section and i'll do my best to answer them.

July 05, 2016

July 01, 2016

How To Choose A Network Marketing Company

Robert Kiyosaki approves Networking
Network Marketing Or MLM is a direct selling industry which is helping people live the life they want. There are thousands of Network Marketing Companies out there with more being found almost everyday. This makes it difficult to choose the right company to partner with because you can be approached by so many companies at a time. Most people join considering the wrong factors which i'll be talking about. During the dawn of my network marketing career, i made so many mistakes changing from company to company and all the decisions i made was by the same wrong factors which yield no result. This is what most people have being through and they think this industry is a scam. This industry has created more millionaires than any other industry and that is a fact. Deciding which network marketing company to partner with can sometimes be tedious but I'm going to show you how to choose the best Network Marketing Company if you're faced with this decision. Some articles will give you so many factors to choose from but i'll give you only four and if you follow them, you will be in the hands of a great company. Lets begin.

First Factor to Consider Is The Company's Products.

Most people join Network Marking Companies because of the lucrative compensation plan they see but the truth is, almost every Network Marketing Company has a lucrative compensation plan. If you blindly choose a network marketing company, they will surely have a lucrative compensation plan.So the first thing to consider is the products. You ask yourself these questions, how unique is the products? Does it have any solid research to support their claims? Does it have a ready market? Is it a common product with so many competitors? How long will people continue to need this product? Has it being certified by any known institution? etc. Make sure the product is unique. You noticed i did not add price. This is because, If the product is unique and does what it claims with very little or no competitors and has a ready market, then price is not a problem. People will buy no matter how high the products are priced.

I chose products as the first factor because, the life span of a company depends its products. If the products are not unique, there company may die out soon. Most network marketing companies died because no one needed their products anymore. Imagine if Nokia was a network marketing company selling their Symbian devices, what will be the state of their company now? No one needs a Symbian device now. We have android, windows and other great devices which means, Nokia will be out of the race. Product is very very important.

Second thing you should Consider is Team Support.

Team Support is one of the best way to keep you up in the game. Network Marketing is a profession and you cannot do it just on your own(you can but...it's just boring alone). A very strong team support can increase your chances of success more than you can imagine. When you have a team that supports and motivates you, you always feel at home. This is common in most network marketing companies. The team always wishes you to succeed because your success is their success.  A great team support help you succeed immensely.

Availability Of Network Marketing Training

As i said before, network marketing is a profession. If you went to school to become a doctor and you want to do accountancy as a part time job, you have to take an accountancy course. Same applies to network marketing but..... the beauty about this industry is that, you learn while you earn. The training given by some companies can be applied in all aspect of life and can be life changing. A company that provides the right training for it partners is worth partnering with. Some companies just give out the products and the compensation plan to their new partners expecting them to somehow figure out how this whole business works. These are the companies you have to avoid. A good Network Marketing Company is one that spend so much just so you can get the right training to help you succeed.

Company Profile

Now you know how insignificant a company's profile is if it meets all the above criteria. A company's profile won't be something you have to worry about if they have unique and excellent products, Team support and Availability of Training because they are already on the right track. Something they did in the past was in the past. Plug into the system and play the game. Most companies made mistakes in the past and that does not prove anything. A company with a breakthrough, unique and life changing product will not think of ending operations now or ever.

Note: The compensation plan should not be your reason for joining a network marketing company. Almost every network marketing has a lucrative compensation plan that can make you a millionaire but the products speaks most. Most people fail in network marketing because the first mistake they make when they join is to reinvent the wheel. There is a wheel of success in this industry. If you follow certain steps, you will surely succeed but new partners try to reinvent the whole process. They try to use their own methods which mostly fail. Don't do that when you find the right business. Just plug into the system and Play. Very Simple, PLUG AND PLAY.

If i'm to recommend a company for you, then it will be Max International. I won't talk much about the company but they meet all the above criteria and have a breakthrough product with no competitors. Read more about the company <<<<here>>>>.

I hope you find the right company. Welcome to the MultiBillion Dollar Business

June 30, 2016

How To Install Android Apps And Apk On Windows/Mac

It is very obvious that there are certain apps on android which will be good if used on the PC or Laptop but sometimes we just can't work it out. In this article, i'll be teaching you how to install android application on your windows/Mac PC or laptop. Its a very simple process so lets get down to it.

First, you need to download an android emulator to you PC or laptop.

Apk to bluestacks
there are different android emulators out there but the best according to my experience is BlueStacks. BlueStacks is an android emulator which allows to run andriod apps and apk files on windows and Mac. They claim to have over 5 million users and still growing.
BlueStacks App Player is available for XP,Vista, Windows 7,8 and 10.
Click below to download


download-button

After download completes, follow the setup wizard to install BlueStacks on your PC or Laptop. when the installation is done, all apk files will automatically change icon to BlueStacks.
Just click on your desired apk file to install. You can also open BlueStack and search and install any app you want using the provided search space. 
Note:The BlueStacks search might not give you the results you want. you can always use the apk file instead.

Top Industries And Sectors To Invest In (2016)

Investment ChartIf you are reading this, then you probably want to start a business, invest into a company or need the Top Industries and Sectors to invest your time and money into. This article will provide you with the most recent and current Ranking from trusted source. Almost every industry and sector is trying their possible best to rank high and take the lead but some sectors will forever be with the Top 10 not because they buy their "spot" but because they continue to provide the basic needs of every society and mankind as a whole. These industries have been estimated to double if not triple their net margin over the next decade. These are the companies you will like to vouch for, These are the companies you'll like to invest in.

The Health And Wellness Industry

This is the most promising industry to invest in. Everybody wants to be healthy including you, that is why this industry tops it all. Day-in day-out we think about our health and how to improve. This industry will remain first until we all don't need any health solutions (which i don't think will ever be possible). 

Below is a chart  that shows the top industries and their margin increase from 2015 to 2016.


The Most Profitable Industries To Invest In 2016 | FindTheCompany


Now you know which Sectors are leading the world. But choose carefully which company to invest in. Not all companies in a particular sector can be trusted. If you are starting your own business, you can select your niche from any of this sectors but that does not guarantee success although it shows the ready market you have. If you think you have a better niche and you know how well you will do with it, then you can go on with it. 
More sectors are going to climb up the ladder but i vouch for five sectors which will always remain up the ladder, they are 

  • The Health and Wellness Industry
  • The Technology Service Industry
  • The Transportation Sector
  • The Communication Sector
  • The Electronic Technology Sector
Which sector do you vouch for?