Bank In Your Mobile Phone

Bank in your mobile phone? Could this be the beginning of the end of banking as we know it? With the advent of mobile phones, some mobile phone companies have introduced innovative services that have caused shockwaves in the banking industry.

Take the hugely successful MPesa for example. This product by Safaricom of Kenya is probably the first to employ real mobile banking technology in the world and is the most widely used bank in your mobile phone service in the world. It currently boasts of more than 5 million registered users in the country and the number is growing.

At first the main stream banks ignored it hoping it would not compete their services. Then they realized the thing was gaining popularity among the low and middle income groups. The exponential growth registered by the new bank in your mobile phone service caused a national panic and they immediately sought the protection of the Central Bank, the monetary regulator in the country. But then the horse hard long bolted. So popular had MPesa become with the ordinary folks that they threatened to boycot ordinary banking services if it was discontinued for any reason. Naturally CBK had to play ball otherwise the ordinary folks could have revolted in a scale beyond comprehension. MPesa was unconditionally allowed to operate.

Realizing that fighting the bank in your mobile phone product was not an option, smarter banks decided to embrace MPesa. In fact a number of them have already registered as agents of this new kid on the block. It is just a matter of time and the rest will follow suit. They simply do not have a choice.

So what is this MPesa thing and how does it operate?

Well, mobile banking is not new in the market because most banks now employ mobile phone technology to enable customers access simple transactions such as balance enquiry, mini-statements and purchase of air-time.

M-PESA, the new bank in your mobile phone technology is different in the sense that the service allows you to use your mobile phone to carry out important money transactions that were hitherto a preserve for banks. The service is available to all members of the public, even if you do not have a bank account or bankcard. Available services include cash deposit, cash withdrawal, funds transfer, balance enquiry, direct purchase of air time among others.

The most interesting bit is the fact that Kenya is the first country in the world to introduce the bank in your mobile phone service, which is offered by Safaricom - the main mobile phone operator in the country.

The facility was initially intended to assist the poor rural folks who do not operate bank accounts to access money transfer services within reach. People who work in towns found it convenient to send money to their distant relative through the bank in your mobile phone service. They also discovered that apart from the transfer, you could actually retain the balance in your phone until such a time that you were ready to transfer or withdraw it. Most people now maintain huge balances in their mobile phone banks.

The other convenience with the bank in your mobile phone is the many M-Pesa agents who are spread all over the country and operate 24 hours thus making it easy to access the service anywhere.

On security issues, I would give M-Pesa a 9 out of a scale of 10. It is almost impossible for an un-authorized person to access the money, unless he has access to the security code given to the account holder. Even when you lose your phone, the bank in your mobile phone balance is still secure! All you need to do is report to Safaricom and a new SIM will be issued with your account balance intact.

HOW TO DEPOSIT CASH
All you need to do is go to an M-PESA Agent and:
1. Give him the cash and your mobile phone number
2. You and your Agent will receive SMS confirming the deposit

HOW TO SEND MONEY
3. On your M-PESA phone menu, select “Send Money”
4. Enter recipient’s phone number, the amount and your PIN
5. You and the recepient will receive SMS confirming the transfer

HOW TO GET CASH
If you are a registered M-PESA Customer
Go to an M-PESA Agent and:
1. Give your phone number and show your ID / passport
2. Go to your M-PESA menu, select Withdraw money
3. Enter the Agent number, the amount and your PIN
4. You and your Agent will receive an SMS confirming the transfer
5. The Agent will then give you the cash

If you are not a registered M-PESA customer but have received notification of money transfer to you
Go to an M-PESA Agent and:
1.Give your phone number and show your ID/Passport
2.Give the code in your SMS from M-PESA.
3.The Agent will do the transaction on your behalf using his phone.
4.You and your agent will receive an SMS confirming the transfer.
5.The agent will give you the cash.

Just like that! Can you see now why the banks are up in arms against the bank in your mobile? I think they are justified - if they must survive.

Veriuni Super 25

Veriuni Super 25, offers the most complete daily supplement, with 25 essential vitamins, minerals, and antioxidants. This vitamin is designed specifically to bolster immune systems. Veriuni Super 25 contains unique ingredients and is loaded with the powerful antioxidant CoQ10, which plays a critical role in the production of energy within each cell in the human body and can help promote weight loss.

CoQ10 is more than just an antioxidant, it can also help your body combat diabetes, gingivitis, congestive heart failure, and other diseases; stimulate your body's metabolism to promote weight loss; and much more. Veriuni Super 25 contains 25 essential vitamins, minerals, and antioxidants to provide the optimum ratio of these essential ingredients for a healthly life style. Apart from being and ideal immune booster, Veriuni Super 25 is also ideal for any individual who lives an active lifestyle, works out, or who is currently tired or feeling a lack of energy.

The Unique Veriuni Super 25 Multivitamin & Minerals Product supplements are perhaps the most important single supplement that can be consumed by millions of people everyday.

For the human body to perform at its maximum potential, it must be fed a vast and complex array of vital nutrients. Becoming deficient in just one of these essential vitamins or minerals breaks down the metabolic pathway that produces optimum efficiency and performance declines. Not good! Daily consumption of a high-potency multivitamin/
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Bidvertiser: The New PPC With A Difference

It never fails to amaze me how dynamic the internet has become. Take Bidvertiser for example, they spotted the need of website owners to sell their ad space directly to advertisers, overcoming the disadvantages of automated systems, like Google's AdSense and Overture's Content Match, where neither the advertiser nor the publisher has any control of the advertisements' quality, pricing and timing.

Bidvertiser have come up with a very innovative way where On-Site Bid Per Click offers website owners with the ability to sell their ad space automatically, to the highest bidder, on a price-per-click basis, where the price is mostly effected by the quality and popularity of their website. Advertisers can place ads directly on sites of their choice and pay only when a visitor clicks-through their site. Bidvertiser serves text ads in all types of standard ad units, including banners, buttons, skyscrapers and inline ads.

They however have strict guidelines for their participating publishers and advertisers. They manually review each website and ad to ensure publishers display the highest yielding ads, and the best conversion rates for advertisers.

For publishers, you get paid for every visitor that clicks on an ad. This strategy enable you to make as much as possible from your advertising space, by letting advertisers bid on your ad space. They pay monthly, either by check, or instantly through PayPal with a minimum of only $10.

The deal is even juicier for advertisers. With BidVertiser, you decide where your ad will be displayed. All you need to do is to browse through or search their categorized directory of sites and choose the appropriate ones for your ad. And that's not all. You only pay for the clicks you receive. You choose how much you are willing to pay for each click, in each of the sites you have chosen to display your ads on!

Again they automatically adjust your cost-per-click to just $0.01 above the next closest competitor, so you get the best price available for your traffic.

You can easily create and edit your ads and target URL by simply choosing a title, two lines of a description and you are set to go. Your ads will appear in the sites you have chosen within minutes.

BidVertiser also allows you to display your ads within a geographic range you determine. You simply have to choose your geographic targeting and they will show your ads only to users located anywhere in the country or countries you selected.

For both publishers and advertiser, there are real time stats to monitor the performance by customizing dozens of online reports such as the number of page impressions, clicks, click-through rate and the total amount you've spent/earned. It can't get better than this and did I mention that the registration is absolutely free?

If you are a publisher, follow the link below to register:






If you are an advertiser, follow the link below to advertise:

Veriuni Thermo! Fat-Burner Formula (THMO)

The most effective non Ephedra Thermogenic agent that provides unique ingredients to promote weight loss and burns fat safely. It contains a high amount of guaranine, a chemical substance with the same characteristics as caffeine. It may quicken perception, delay sleep and help with endurance based activities. The Uva Ursi sabstance promotes water loss, especially around the stomach area, to look leaner and has been used to help with urinary tract infections.

Other useful ingredients include White Willow Bark, the herb that helps drive the fat out of your body faster by dilating your veins, similar to aspirin. Gugulipid helps stimulate the thyroid gland to produce more thyroid hormones and will help lower triglycerides and LDL cholesterol.

Green Tea Extract
Helps with thermogenesis and aids in metabolism of fat, also known as a powerful antioxidant.

Citrus Aurantium
Helps break down fat, by increasing metabolism and helps suppress the appetite.

Forslean
Helps lower blood pressure and helps regulate insulin levels.

Chromium Polynicotinate
Helps control insulin levels and blood sugar.

Niacin and Cayenne
Natural ingredients that help increase metabolism and burn fat.

l-tyrosine
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l-carnitine, Vitamin B5, Calcium Pantothenate
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Veriuni Diet Assist CLA: The Proven Weight Loss Formular

Daily supplementation with Veriuni Diet Assist CLA can result in 1 to 2 pounds per week of weight loss.

Veriuni Diet Assist CLA works by reducing fat and increasing muscle. CLA is both an appetite suppressant and fat reducer and can help people to lose weight and keep it off. CLA "inhibits" the body's ability to store fat. A recent scientific study shows CLA's ability to inhibit lipoprotein lipase, an enzyme which breaks down fat globules in the blood so that fat cells can more readily absorb it and store it as body fat. The inhibition of lipoprotein lipase results in reduced fat deposition.

CLA "prompts" the body to use stored fats as energy. CLA increases the activity of hormone sensitive lipase which breaks down fats stored in fat cells and returns the fats to the blood stream to be used as an energy source. CLA causes previously deposited fat to be used for the energy needs of muscle cells and the liver.

VERIUNI DIET ASSIST CLA is the HOT NEW diet supplement which has been found to:

KEEP FAT OFF

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REDUCE BLOOD PRESSURE

REDUCE LDL

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PROTECT AGAINST BREAST CANCER

Other health benefits noted include a potential reduction in breast cancer by CLA blocking prostaglandin formation, prevent asthma attacks, and delaying the onset of type 2 diabetes and controlling the disease.

VERIUNI DIET ASSIST CLA, a class of fatty acids found in milk and red meat, is now sold as a dietary supplement, manufactured from sunflower oil.

Feedjit: Website Traffic Counter With a Difference

Feedjit (www.feedjit.com) is a web analytics solution provider with a difference. Feedjit provides web analytics and statistical tracking solutions that are accurate, reliable and provides real-time detailed web stats. All you have to do is insert a simple piece of code on your web page or blog and you will be able to monitor and analyze all your website visitors and traffic patterns.

Unlike other service providers in this category, Feedjit services are free. I mean free because they don't even ask for your name or email. Completely no strings attacked.

Specifically Feedjit stats program provides the following functionalities and features:

Invisible Counter Option
Entry Pages
Exit Pages
ISP Stats
Referring Domain
Visitor Paths
Recent Visitor Google Map
Country Stats
Browser Stats
Time Report
Operating System Stats
Public Stats

I highly recommend Feedjit website statistics and analytics. If you want to see it at work, check the sidebar of this blog just below "Our Gate Keeper".

Are You a Victim of Frequent E-mail Delivery Failure?

If you are like most of us, you probably receive hundreds of junk mail every day. Lots of internet service providers and some individuals, are taking steps to block or reduce the amount of junk email in their inboxes.



However, the trouble with these measures is their inability to identify legitimate email. Assuming that your email to other places is working and yet not being delivered, it's quite possible that you're a victim of these programs.

There are several reasons why legitimate email typically gets erroneously blocked: The receiving system thinks your email looks like spam, the receiving system thinks that you're sending it from an address that is or has been accused of being a spammer. Being automated systems, it's the mistakes associated with that thinking that cause legitimate email to be mistaken for spam.

Spam content filters assign points for various behaviors that are also associated with email that comes from a spammer. As soon as you collect too many points (where "too many" is up to the receiving system, or the individual recipient), your email is flagged as spam. Some of the culprits to watch for in your email include:

• Phrases in your email such as "adults only", "over 18" and the like.
• Sexual performance enhancement drugs.
• Sales related shouting (or alternative SHOUTING or not) as sales copy.
• Email "Reply-to" address that does not match the "from" address.
• Email that contain HTML tags.
• Words and phrases such as "satisfaction guaranteed", "free offer", or any of a host of email sales wording are most likely to get you filtered.

It is also common for emailsto be blocked because it came from an IP address that's been identified as somehow being related to spammers. If you're not getting your email bounced back to you with some indication, this is both harder to detect, and harder to resolve.

I'm not saying that any of those things in your email is bad, or that any one of those things will cause your email to be blocked. The unfortunate reality of the situation is that the more your email looks like spam, however remote, the more likely it is to be treated as spam.

Finally, when you detect that your email address has been blacklisted, or you suspect something is wrong, you should contact your ISP. They're responsible for keeping spammers away from it, and ensuring it's working.

If they can't help, then it's probably time to move on and get an ISP that's interested in keeping your email working always.