CBN Re-introduces N65 Charges On Cash Withdrawals On ‘Other Banks’ ATM

<div dir="ltr" style="text-align: left;" trbidi="on"> <div style="border: 0px; margin-bottom: 20px; padding: 0px; vertical-align: baseline;"> <span style="background-color: rgba(255, 255, 255, 0);">The Central Bank of Nigeria (CBN) yesterday directed deposit money banks in the country to re-introduce a charge of N65 per transaction on remote-on-us Automated Teller Machines (ATMs) cash withdrawals.</span></div> <div style="border: 0px; margin-bottom: 20px; padding: 0px; vertical-align: baseline;"> <span style="color: black;"><span style="background-color: rgba(255, 255, 255, 0);"><a href="http://www.naijaurban.com/cbn-re-introduces-n65-charges-cash-withdrawals-banks-atm/atm-3/" rel="attachment wp-att-61182" style="border: 0px; font-style: inherit; font-variant: inherit; margin: 0px; outline: 0px; padding: 0px; text-decoration: none; vertical-align: baseline;"><img alt="ATM CBN Re introduces N65 Charges On Cash Withdrawals On ‘Other Banks’ ATM" class="aligncenter size-full wp-image-61182" height="332" scale="2" src="http://i0.wp.com/www.naijaurban.com/wp-content/uploads/2014/08/ATM.jpg?zoom=2&resize=442%2C332" src-orig="http://i0.wp.com/www.naijaurban.com/wp-content/uploads/2014/08/ATM.jpg?resize=442%2C332" style="border: 0px; display: block; font-style: inherit; font-variant: inherit; height: auto; margin: 0px auto; max-width: 100%; padding: 0px; vertical-align: baseline;" title="CBN Re introduces N65 Charges On Cash Withdrawals On ‘Other Banks’ ATM Photo" width="442" /></a>The policy takes effect from September 1, 2014.</span></span></div> <div style="border: 0px; margin-bottom: 20px; padding: 0px; vertical-align: baseline;"> <span style="background-color: rgba(255, 255, 255, 0);">Remote-on-us are transactions done by a card holder on another bank’s ATM. The central bank stated this in a circular addressed to all banks, dated August 13, 2014.</span></div> <div style="border: 0px; margin-bottom: 20px; padding: 0px; vertical-align: baseline;"> <span style="background-color: rgba(255, 255, 255, 0);">A circular of the document titled: “Circular on the Introduction of Fees on Remote-on-Us ATM Withdrawal Transactions,” signed by the Director, Banking and Payment System Department, CBN, Mr. Dipo Fatokun, was posted on the regulator’s website yesterday.</span></div> <div style="border: 0px; margin-bottom: 20px; padding: 0px; vertical-align: baseline;"> <span style="background-color: rgba(255, 255, 255, 0);">The CBN in collaboration with the Bankers’ Committee had in December 2012 transferred the payment of N100 remote-on-us ATM cash withdrawal transactions to issuing banks. This fee used to be shared between the acquirers, issuers and switches.</span></div> <div style="border: 0px; margin-bottom: 20px; padding: 0px; vertical-align: baseline;"> <span style="background-color: rgba(255, 255, 255, 0);">However, on the commencement of the arrangement in December 2012, banks (issuers) decided to waive the issuer fee (N35), which should have ordinarily been an income to them. Consequently, banks only bore the cost of N65 each time their customers use another banks’ ATM.</span></div> <div style="border: 0px; margin-bottom: 20px; padding: 0px; vertical-align: baseline;"> <span style="background-color: rgba(255, 255, 255, 0);">However, the central bank explained that it took the latest decision as a result of the unintended consequences on banks. This, it said had resulted in substantial cost burden incurred by banks in defraying the cost for the service.</span></div> <div style="border: 0px; margin-bottom: 20px; padding: 0px; vertical-align: baseline;"> <span style="background-color: rgba(255, 255, 255, 0);">According to the CBN, the re-introduction of the fee was to cover the remuneration of the switches, ATM monitoring and fit-notes processing by acquiring banks.</span></div> <div style="border: 0px; margin-bottom: 20px; padding: 0px; vertical-align: baseline;"> <span style="background-color: rgba(255, 255, 255, 0);">“The new charge shall apply as from the fourth remote-on-us withdrawal (in a month) by a card holder, thereby making the first three remote-on-us transactions free for card holders, but to be paid for by the issuing bank.</span></div> <div style="border: 0px; margin-bottom: 20px; padding: 0px; vertical-align: baseline;"> <span style="background-color: rgba(255, 255, 255, 0);">“September 1, 2014 shall be the effective date for the implementation of the new fee,” it added. To this end, it urged banks to conduct adequate sensitisation of their customers on the policy.</span></div> <div style="border: 0px; margin-bottom: 20px; padding: 0px; vertical-align: baseline;"> <span style="background-color: rgba(255, 255, 255, 0);">“All ATM cash withdrawals on the ATM of issuing banks shall be at no cost to the cardholder,” it explained.</span></div> <div style="border: 0px; margin-bottom: 20px; padding: 0px; vertical-align: baseline;"> <span style="background-color: rgba(255, 255, 255, 0);">Meanwhile, in a separate circular on the review of the operation of the NIBSS Instant Payment (NIP) system and other electronic payment Options with similar features, the CBN expressed its preparedness to further strengthen the risk aversion measures put in place for the operations of the NIP system and other electronic payment options.</span></div> <div style="border: 0px; margin-bottom: 20px; padding: 0px; vertical-align: baseline;"> <span style="background-color: rgba(255, 255, 255, 0);">“The CBN has directed the categorisations of online transfer from low security to highly secured transfer with specified limits. Banks are expected to achieve “Highly Secured Online Funds Transfer” status within six months, that’s, with a deadline of December 2014.</span></div> <div style="border: 0px; margin-bottom: 20px; padding: 0px; vertical-align: baseline;"> <span style="background-color: rgba(255, 255, 255, 0);">“Limits of N1 million (instant value) and N10 million (next day value) shall be applied for NIP and other electronic payment options with similar features, initiated by individuals with effect from 18th August, 2015,” it stated.</span></div> <span style="background-color: rgba(255, 255, 255, 0);">- See more at: http://www.naijaurban.com/cbn-re-introduces-n65-charges-cash-withdrawals-banks-atm/#sthash.oBGLzYq5.dpuf</span></div>

CBN Re-introduces N65 Charges On Cash Withdrawals On ‘Other Banks’ ATM

The Central Bank of Nigeria (CBN) yesterday directed deposit money banks in the country to re-introduce a charge of N65 per transaction on...

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Pornography: Several Christian Girls are Getting Addicted

<div dir="ltr" style="text-align: left;" trbidi="on"> <div class="full-post-img" style="border: 2px solid rgb(129, 132, 134); margin: 0px auto; outline: invert none 0pt; padding: 3px; width: 510px;"> <span style="background-color: rgba(255, 255, 255, 0); border: none; color: black; font-weight: bold; margin: 0pt; outline: none !important; padding: 0pt; text-decoration: none;"><a href="http://www.girldefined.com/porn-guy-issue" style="background-color: rgba(255, 255, 255, 0); border: none; font-weight: bold; margin: 0pt; outline: none !important; padding: 0pt; text-decoration: none;"><img alt="Photo" height="357" src="http://www.girldefined.com/wp-content/uploads/2014/08/elvissa.jpg" style="border: none; margin: 0pt; outline: none !important; padding: 0pt;" width="510" /></a></span></div> <div align="center" class="cuopon_author" style="border: 0pt none; font-weight: bold; margin: 6px 0pt 0pt; outline: invert none 0pt; padding: 0pt; text-align: left;"> <span style="background-color: rgba(255, 255, 255, 0);">My Take: People usually make the mistake of thinking that pornography is only a boys thing. No, it is not. Today, several girls, Christians among them, inclusive, have fallen into the trap of pornography. Try to collect your daughter or younger Sister's phone so as to check what is inside there and you will most likely hit a brick wall. Smart phones are helping in the easy access to the internet and therefore the privacy needed to engage in different forms of sexual acts online. My personal involvement with young people over the years has thought me not to ever take anything for granted. </span></div> <div align="center" class="cuopon_author" style="border: 0pt none; font-weight: bold; margin: 6px 0pt 0pt; outline: invert none 0pt; padding: 0pt; text-align: left;"> <span style="background-color: rgba(255, 255, 255, 0);">There is need to sound an alarm over what our young Christian girls are doing online, today. Sexting, camsex, online sex, online bullying and so on are some of the very sinful indulgences of these precious souls. We need to know so as to keep a helpful watch over those of them who are within our reach.</span></div> <div align="center" class="cuopon_author" style="border: 0pt none; font-weight: bold; margin: 6px 0pt 0pt; outline: invert none 0pt; padding: 0pt; text-align: left;"> <span style="background-color: rgba(255, 255, 255, 0);">(Get my book: The Mind, Sex and Your Destiny) call- +234 8060712648 or +234 8148253711</span></div> <div align="center" class="cuopon_author" style="border: 0pt none; font-weight: bold; margin: 6px 0pt 0pt; outline: invert none 0pt; padding: 0pt; text-align: left;"> <span style="background-color: rgba(255, 255, 255, 0);">Or Write to selflessheartsng@gmail.com</span></div> <div align="center" class="cuopon_author" style="border: 0pt none; font-weight: bold; margin: 6px 0pt 0pt; outline: invert none 0pt; padding: 0pt; text-align: left;"> <span style="background-color: rgba(255, 255, 255, 0);"><br /></span></div> <div align="center" class="cuopon_author" style="border: 0pt none; font-weight: bold; margin: 6px 0pt 0pt; outline: invert none 0pt; padding: 0pt; text-align: left;"> <span style="background-color: rgba(255, 255, 255, 0);">Now read from my brother, Bethany Baird:</span></div> <div align="center" class="cuopon_author" style="border: 0pt none; font-weight: bold; margin: 6px 0pt 0pt; outline: invert none 0pt; padding: 0pt; text-align: left;"> <span style="background-color: rgba(255, 255, 255, 0);"><br /></span></div> <div id="the_content" style="border: 0pt none; margin: 0px auto; outline: invert none 0pt; padding: 0pt;"> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <span style="background-color: rgba(255, 255, 255, 0);">I recently read a story about a girl who was strolling through a grocery store when she felt a sudden and overwhelming urge for a chocolate candy bar. The urge became so powerful that she forgot what she was doing and headed straight for the candy aisle.</span></div> <h1 dir="ltr" style="margin: 0px; padding: 0px 29px; text-align: left;"> <strong style="background-color: rgba(255, 255, 255, 0); border: 0pt none; margin: 0pt; outline: invert none 0pt; padding: 0pt;"><span style="font-size: small;">She searched the options wondering which one she should choose.</span></strong></h1> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <span style="background-color: rgba(255, 255, 255, 0);">She spotted one that she had never seen before. The label pulled at her desire with words like <em style="border: 0pt none; margin: 0pt; outline: invert none 0pt; padding: 0pt;">“Great new taste!” “Satisfaction guaranteed!” “No more hunger cravings!”</em></span></div> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <span style="background-color: rgba(255, 255, 255, 0);">The girl grabbed the candy bar and started savoring her first bite. Her entire being was enraptured in the moment. She loved the way the candy made her feel. It was so gratifying that she was sure she would never need another candy bar again.</span></div> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <span style="background-color: rgba(255, 255, 255, 0);">All of the sudden the girl noticed a strange and disgusting flavor in her mouth. Instead of eating smooth chocolate, she realized she was actually chewing on mud and gravel. The nasty taste made the girl’s stomach start to churn at the thought of what was inside of her mouth.</span></div> <h1 dir="ltr" style="margin: 0px; padding: 0px 29px; text-align: left;"> <strong style="background-color: rgba(255, 255, 255, 0); border: 0pt none; margin: 0pt; outline: invert none 0pt; padding: 0pt;"><span style="font-size: small;">She ran to the water fountain, spit out the muddy mixture, and rinsed out her mouth.</span></strong></h1> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <span style="background-color: rgba(255, 255, 255, 0);">After a long moment at the water fountain the girl looked down at the remainder of the candy bar in her hand. Her thoughts drifted back to how creamy and delicious that first bite of candy tasted, and suddenly she longed for more.</span></div> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <span style="background-color: rgba(255, 255, 255, 0);">Although that story is only fictional, it gives us a very clear picture of how pornography works.</span></div> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <span style="background-color: rgba(255, 255, 255, 0);">Pornography covers itself in a candy-coated package offering up promises like “Satisfaction guaranteed!” and “No more cravings!”</span></div> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <span style="background-color: rgba(255, 255, 255, 0);">At first (like the candy bar) it seems to deliver on those promises, but only for a short time. In the end you will find yourself feeling disgusted by what you did and, at the very same time, strangely craving for more.</span></div> <h1 dir="ltr" style="margin: 0px; padding: 0px 29px; text-align: left;"> <strong style="background-color: rgba(255, 255, 255, 0); border: 0pt none; margin: 0pt; outline: invert none 0pt; padding: 0pt;"><span style="font-size: small;">Porn never satisfies.</span></strong></h1> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <span style="background-color: rgba(255, 255, 255, 0);">According to <a href="http://www.covenanteyes.com/pornstats/" style="border: none; font-weight: bold; margin: 0pt; outline: none !important; padding: 0pt; text-decoration: none;" target="_blank">Covenant Eyes</a>, it’s estimated that 20% of Christian women are addicted to pornography. Sadly, that number seems to be growing greater by the year.</span></div> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <span style="background-color: rgba(255, 255, 255, 0);">Girls of all ages are finding themselves enslaved to pornography with no power to escape.</span></div> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <span style="background-color: rgba(255, 255, 255, 0);">If you are one of those girls struggling in this specific area, I have great news for you.</span></div> <h1 dir="ltr" style="margin: 0px; padding: 0px 29px; text-align: left;"> <strong style="background-color: rgba(255, 255, 255, 0); border: 0pt none; margin: 0pt; outline: invert none 0pt; padding: 0pt;"><span style="font-size: small;">There is hope!</span></strong></h1> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <span style="background-color: rgba(255, 255, 255, 0);">If you have trusted Christ as your personal Savior, you can have hope and lasting freedom in this area.</span></div> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <span style="background-color: rgba(255, 255, 255, 0);">The truth is, in and of yourself you have no power to escape, but with the power of Christ dwelling inside, you can find freedom. Sin and death were overcome by Jesus at the cross. “You have been set free from sin and have become slaves to righteousness” (Romans 6:18).</span></div> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <span style="background-color: rgba(255, 255, 255, 0);">There is no sin in the world that is too big for God to conquer.</span></div> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <span style="background-color: rgba(255, 255, 255, 0);">If you are struggling with pornography and desire to find lasting freedom in this area, let me encourage you to consider these thoughts and verses.</span></div> <h1 dir="ltr" style="margin: 0px; padding: 0px 29px; text-align: left;"> <strong style="background-color: rgba(255, 255, 255, 0); border: 0pt none; margin: 0pt; outline: invert none 0pt; padding: 0pt;"><span style="font-size: small;">1. Confess your sin to God.</span></strong></h1> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <em style="background-color: rgba(255, 255, 255, 0); border: 0pt none; margin: 0pt; outline: invert none 0pt; padding: 0pt;">“If we confess our sins, He is faithful and just to forgive us our sins and to cleanse us from all unrighteousness” (1st John 1:9).</em></div> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <em style="background-color: rgba(255, 255, 255, 0); border: 0pt none; margin: 0pt; outline: invert none 0pt; padding: 0pt;">“Then I acknowledged my sin to You and did not cover up my iniquity. I said, “I will confess my transgressions to the LORD.” And You forgave the guilt of my sin” (Psalm 32:5).</em></div> <h1 dir="ltr" style="margin: 0px; padding: 0px 29px; text-align: left;"> <strong style="background-color: rgba(255, 255, 255, 0); border: 0pt none; margin: 0pt; outline: invert none 0pt; padding: 0pt;"><span style="font-size: small;">2. Renew your mind with God’s Word.</span></strong></h1> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <em style="background-color: rgba(255, 255, 255, 0); border: 0pt none; margin: 0pt; outline: invert none 0pt; padding: 0pt;">“Do not be conformed to this world, but be transformed by the renewal of your mind, that by testing you may discern what is the will of God, what is good and acceptable and perfect” (Romans 12:2).</em></div> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <em style="background-color: rgba(255, 255, 255, 0); border: 0pt none; margin: 0pt; outline: invert none 0pt; padding: 0pt;">“I have stored up your word in my heart, that I might not sin against you” (Psalm 119:11).</em></div> <h1 dir="ltr" style="margin: 0px; padding: 0px 29px; text-align: left;"> <strong style="background-color: rgba(255, 255, 255, 0); border: 0pt none; margin: 0pt; outline: invert none 0pt; padding: 0pt;"><span style="font-size: small;">3. Fill your mind with holiness and truth.</span></strong></h1> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <em style="background-color: rgba(255, 255, 255, 0); border: 0pt none; margin: 0pt; outline: invert none 0pt; padding: 0pt;">“Finally, brothers, whatever is true, whatever is honorable, whatever is just, whatever is pure, whatever is lovely, whatever is commendable, if there is any excellence, if there is anything worthy of praise, think about these things” (Philippians 4:8).</em></div> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <em style="background-color: rgba(255, 255, 255, 0); border: 0pt none; margin: 0pt; outline: invert none 0pt; padding: 0pt;">Create in me a pure heart, O God, and renew a steadfast spirit within me (Psalm 51:10).</em></div> <h1 dir="ltr" style="margin: 0px; padding: 0px 29px; text-align: left;"> <strong style="background-color: rgba(255, 255, 255, 0); border: 0pt none; margin: 0pt; outline: invert none 0pt; padding: 0pt;"><span style="font-size: small;">4. Put off sin and put on purity.</span></strong></h1> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <em style="background-color: rgba(255, 255, 255, 0); border: 0pt none; margin: 0pt; outline: invert none 0pt; padding: 0pt;">“Put off your old self, which belongs to your former manner of life and is corrupt through deceitful desires, and be renewed in the spirit of your minds, and put on the new self, created after the likeness of God in true righteousness and holiness” (Ephesians 4:22-24).</em></div> <h1 dir="ltr" style="margin: 0px; padding: 0px 29px; text-align: left;"> <strong style="background-color: rgba(255, 255, 255, 0); border: 0pt none; margin: 0pt; outline: invert none 0pt; padding: 0pt;"><span style="font-size: small;">Finally, do whatever it takes to get rid of pornography.</span></strong></h1> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <span style="background-color: rgba(255, 255, 255, 0);">Throw away books, magazines, TVs and computers. Matthew 5:29 says, “If your right eye causes you to sin, tear it out and throw it away. For it is better that you lose one of your members than that your whole body be thrown into hell.”</span></div> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <span style="background-color: rgba(255, 255, 255, 0);">Be willing to take drastic measures. It’s worth it! If you are serious about destroying this sin in your life, then you need to prove that through your actions. Don’t let pride or embarrassment get in the way of gaining victory.</span></div> <h1 dir="ltr" style="margin: 0px; padding: 0px 29px; text-align: left;"> <strong style="background-color: rgba(255, 255, 255, 0); border: 0pt none; margin: 0pt; outline: invert none 0pt; padding: 0pt;"><span style="font-size: small;">I want you to know that you do not have to continue in your secret struggles.</span></strong></h1> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <span style="background-color: rgba(255, 255, 255, 0);">These verses are only the start of the power Christ has to offer for gaining victory in this area.</span></div> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <span style="background-color: rgba(255, 255, 255, 0);">I highly, highly encourage you to talk to your parents or pastor’s wife about your struggle. Remember one of the best ways to gain lasting freedom in this area is through accountability (Gal. 6:12, Ecc. 4:9-12). Don’t try to overcome your struggle on your own. There truly is strength in numbers.</span></div> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <span style="background-color: rgba(255, 255, 255, 0);">As much as we would love to help you further, we don’t have time in this blog post. Thankfully there is a  Biblical counseling center that offers free counseling! You can find a counselor in your very own city by going to this <a href="http://www.biblicalcounseling.com/counselors" style="border: none; font-weight: bold; margin: 0pt; outline: none !important; padding: 0pt; text-decoration: none;" target="_blank">link</a>.</span></div> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <span style="background-color: rgba(255, 255, 255, 0);">There are also some extremely helpful ministries that can provide accountability and filtering services. You can check both of those out right here:</span></div> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <a href="http://www.internetsafety.com/safe-eyes-parental-control-software.php" style="background-color: rgba(255, 255, 255, 0); border: none; font-weight: bold; margin: 0pt; outline: none !important; padding: 0pt; text-decoration: none;" target="_blank"><span style="color: black;">Safe Eyes</span></a></div> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <span style="color: black;"><span style="background-color: rgba(255, 255, 255, 0);"><a href="http://www.covenanteyes.com/" style="border: none; font-weight: bold; margin: 0pt; outline: none !important; padding: 0pt; text-decoration: none;" target="_blank">Covenant Eyes</a><a href="http://www.covenanteyes.com/" style="border: none; font-weight: bold; margin: 0pt; outline: none !important; padding: 0pt; text-decoration: none;"><br /></a></span></span></div> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <span style="background-color: rgba(255, 255, 255, 0);">Start your journey to lasting freedom today.</span></div> <div dir="ltr" style="padding: 0px 29px; text-align: left;"> <span style="background-color: rgba(255, 255, 255, 0);">As a Christian you are no longer a slave to your sin. You have the power through the Holy Spirit to overcome and find freedom in this area. Yes, it will be hard, but with the power of Christ it is possible.</span></div> <div> <br /></div> </div> </div>

Pornography: Several Christian Girls are Getting Addicted

My Take: People usually make the mistake of thinking that pornography is only a boys thing. No, it is not. Today, several girls, Christi...

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