How To Start A Solid Retirement Plan In Nigeria

Retirement plan in Nigeria

What if there’s a better retirement plan than your pension fund? How do you see a retirement plan that can guarantee 300% returns for you in every 16 months? Imagine how much your current monthly salary deduction paid into your pension fund can return to you in every 16 months.

Let’s even do the maths. If your monthly pension deduction from your salary is N100,000. That’s about $200 in today’s exchange rate. How Much returns do you get from your current pension fund?

I did a pension calculation on Leadway Pensure, and here’s what I got. It asked me how much I want as my monthly pension when I retire, and for how many years I want it paid? Plus how many years I still have left to retire, and how much interest rate I want on my pension fund?

I picked the following: N50,000 as my monthly pension salary after retirement. I said, I have only 2 years left to work. That I want 15% interest rate, and I want to collect the pension for 10 years. Here’s what the result gave me. That I would need to have a retirement saving account (RSA) balance of N2,780,225.16 from a monthly contribution of N100,050.98 for the next 2 years before my retirement.

Just do the calculation. I would have paid N2,401,223.52 in 2 years to my pension fund managers. It’s from this money they will now pay me N50,000 monthly, after they have invested it, for the next 10 years. I’m only reaping from the profit they earned from investing my money. And I will only get N600,000 in one year and total of N6,000,000 from them in 10 years after my retirement.

What happens after that 10 years? That’s for me to figure out, right? That is what many pensioners are going through already. And some are still planning to go through it also. Please, I beg of you, don’t go through it too.

Collapse Of Pension Funds In Nigeria

No matter how juicy your pension fund managers talk about their retirement plan for you, it can never be the best deal for you. What they are actually doing is a retirement plan for their owners. The best retirement plan is the one you can control and plan for yourself.

Don’t forget that in a system like Nigeria, the pension fund has always been a major source of corruption. It has never worked, because the pension fund in Nigeria has collapsed long ago. Those currently managing it knows that, and has since been stealing from it. Even the government steals from it from time to time, and calls it loan.

When you will realize what has happened will be when it’s time to pay up. That’s for civil servants. However, for the private sector workers, it’s even not the best deal they are getting. You can see the calculation Leadway Pensure gave me. With that you can’t get anything better to live on when you retire.

Nigerian Total Working Population

One of the problems with retirement plan is the number of people who maybe retiring, the current number of retirees and the available resources to cater for them. Nigeria has a large workforce with no adequate plan for their retirement.

According to Proshare Nigeria, the site lamented that out of the total workforce of 69,470,091 in Nigeria, only 7,348,028 workers has a retirement savings account (RSA) with any pension fund manager. It’s even an old report of quarter 4 of 2016. That’s just 10.8% of the total workforce. At the current date, the figures might even be worse.

If you think it’s because Nigerian workers don’t like to plan for their future, then you lied. Nigerians like to plan even for the dead. That’s why government officials are stealing state funds. They are planning for their future and their children with stolen funds.

But legitimately, Nigerians would use pension funds if actually it guarantees a good deal for them. Hence the reason for the boycott, because it doesn’t offer any retirement plan when you are tired. But I have something that will surprise you. It’s better, it’s cheaper to start, and it’s in dollars, so you won’t have to worry about naira devaluation and inflation. I will soon come to that.

Different Types Of Retirement Plan

The best way to understand retirement plan is to see it as a savings account where you put aside some monies you earn monthly for use when you retirement from employment. So, I decided to take a look at some of the retirement accounts available. Some of them are not applicable in Nigeria, but it’s good you know what’s out there too.

  • IRA (Individual Retirement Arrangement)
  • SEP (Simplified Employee Pension)
  • PSP (Profit Sharing Plans)
  • DBP (Defined Benefit Plan)
  • 401(k) Plans
  • Roth IRAs

You can take sometime and read up all about these different pension plans on Bankrate website. But let me just talk about one only. The PSP (Profit Sharing Plans). You will love this one, as much as I do.

Profit Sharing Plans (PSP)

Imagine if your current employer is sharing profit with you. How much do you think you would be getting monthly? Just imagine. I don’t expect you to know exactly how much. But its surely way big, right? That’s the point. But they won’t like to share, rather they want to suffer you by deducting from your present salary in the guise of planning a future for you. Bullshit!

But think about it. A profit sharing plan will make you more money and you won’t have to be planning for retirement. In fact, you shouldn’t be planning for retirement. You should be planning on sharing profits with big and existing multinational companies.

I know you want to ask me, how?

What Is Your Retirement Plan?

Let me even ask you what you have been planning for your retirement. If you don’t have a better retirement plan, now is the time to make a quick adjustment. You cant just leave everything to chance. I might even shock you with some of the ways people are knowingly or unknowingly planning for their retirement.

  • Some invest in stocks
  • Some buy or build properties
  • Some invest it in different businesses
  • Some even invest it in their children
  • While some ignorantly put it in the banks or pension funds

You see all these retirement plans, they may not protect you when you are tired. Even the children you gave birth to may not care for you. The stockmarket can crash, like it did in 2017 and many pensioners lost heavily. All their life savings gone in one stock market crash.

You might think building properties are better, but the question is, how do you earn from your properties? Mostly through rentals. But how much is rentage fee in Nigeria? Even if you get N600,000 per annum for 3 bedroom flat, which is better than your pension fund, how many flats would you build from your salary?

You can’t plan with that, unless you just want a hand-to-mouth kind of life when you should be enjoying life in your retirement.

This Should Be Your Retirement Plan

If you understood the Profit Sharing Plan (PSP), that’s what I want your retirement plan to follow. Think of how you can share profit with a multinational company.

Let me give you a blueprint on how to plan your retirement with a PSP. If you are currently working, you stand a better chance to use this blueprint better. Even if you are not presently employed, or you are self employed, you too can use this blueprint.

The first point to note is that it’s cheaper to start. And that you can start with as low as $100. That amount would guarantee you 10% returns on a monthly basis. If you work it around your monthly pension deduction, some of you pay more than $100 monthly.

That means if you plan to retire in 2 years, you would have saved $2,400 with a compounding interest of 0.45% daily or 10% monthly. In 16 months lifespan for each of the $100, you would have a return of About 300%.

Let me even say that you can only invest $100, because you have so much bills to pay monthly and can’t afford to be deducting $100 monthly. In 6 years on a compounding interest of 0.45% daily, see what I calculated for you using TheCalculatSite: $80,252.67 total interest will be earned in the period.

You are rich on retirement if you do this now. Think about how many more years you still have in active service before your retirement. Think about how much a $100 can become for you in the next 5 years and 7 months to be precise. $80,252.67 is equivalent of N40,126,335. And you can still invest even after you have retired rich.

Compare that with your pension fund of N6,000,000 in 10 years from a contribution of over N2.4 million of your salary in 2 years deduction. If you can invest $500 or even $5,000, think of what the returns would be in the same period. Some of you can afford to do up to $25,000. And that’s a return of $75,000 in just 16 months. While $50,000 would give you $150,000 in 16 months.

How This Retirement Plan Works

I have already told you. It’s a profit sharing plan. I have found this comoany for you in the U.K. (United Kingdom), with global presence in over 100 countries including Nigeria. This company is willing to share their profit with you.

Here’s how it works. They have several investment packages, from $100 to $50,000. And they pay returns from the profit they generate. You get 0.45% daily or 10% monthly on a compounding interest.

You role here is just to invest the amount you wish. The company will give you an online portal where you can monitor your investment, make withdrawals when you want or upgrade your investment package at any time.

What You Should Do Now

Get more information on this. You shouldn’t just take my world for it. Even though I have painted this as the best retirement plan for you, find out more for yourself. Moreover, somebody has to introduce as your referral or sponsor to the company. That’s how it works.

So, you will need a referral or sponsor. The sponsor will also help educate you more, and guide you throughout your investment period.

For example, if I’m your sponsor, my responsibility includes helping you to get more information, ensure you get adequate training on how to invest wisely and better usage of the portal. I should also be standby for you whenever you need guidance pr have questions on anything regarding the investment. You sponsor can also guide you on how much you should start with.

After you have invested for your own retirement plan, and started earning returns, then you can help sponsor others,like your colleagues in the office.

What To Do About Your Colleagues

Don’t plan for yourself alone. Help others to also discover this retirement plan. Your colleagues should be the first to know after you starts seeing returns from your own investment.

However, don’t rush immediately to tell them. Wait till after few weeks, like 2 or 3 weeks. It’s enough time to start seeing some revenue trickling into your account. You need some proof to show them. And because it’s in dollars it will be more convincing.

Remember, you will also earn up to 10% for sponsoring your colleagues. Yes the company pays for referrals, it’s one time, and it’s based on the initial amount the person invested.

Not just your colleague, including your friends. Target when salary is usually paid so they won’t say there’s no money. Remember, you are helping them make a better decision about their own retirement.


There’s no better retirement plan than a proper investment. But as a civil servant or private sector worker, you are limited to mostly pension fund, which is deducted from your salary.

There’s no guarantee on that, as long as Nigerian government are the ones controlling it. Even the private sector led pension managers, the kind of pension you get are not inspiring.

That’s why you need to plan something else for yourself. If you in an organization where pension deduction is actually done from source, you may not be able to shop it. But that shouldn’t stop you from planning your retirement better. I have shown you that with just $100 you can generate a better investment plan in less than 6 years, of over $80,000 in returns.

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Infini Clear Beauty Tips to Get Better Results In 2022

I want to share some beauty tips with you using Infini Clear cosmetic products. If you haven’t gotten our range of beauty products, you have to do so now if you want to follow these tips practically for better results.

This tips are not only for ladies, guys can apply them too. I hope you know there’s nothing like ladies skin and men’s skin. Skin is skin, whether it’s on the body of a male or a female. So, guys, don’t be left out in this beauty tips.

First, let me list out all the Infini range of products, because I will be explaining each of the products and how best to use them. Infini Clear has five (5) beauty range of products. Each of them has something it does for your beauty to radiate.

  • Infini Clear DSR7
  • Infini Clear 3R Complex Shower Gel
  • Infini Clear 3R Clarifying Oil
  • Infini Clear 3R Complex Cream
  • Infini Clear 3R Clarifying Beauty Lotion
  • Infini Clear 3R Clarifying Soap

Let me help you step by step on the best way to apply Infini Clear products to get better results. Here is my step by step on how best to use Infini Clear range of products.

Infini Clear 3R Clarifying Soap:

The first step in caring for your skin is by taking a good bath, twice or thrice a day. Don’t forget the purpose of bathing, to wash off dirts, sweats and oil concentrates on the skin. To do that you will need Infini Clear Clarifying soap.

Apply Infini Clear soap thoroughly on your body and scrub with sponge and wash off with clean warm water. A clean bath with the right soap will remove any concentrate on the skin and open up the body pores to breath properly, leaving your skin to absorb and allow other applied beauty products achieve better results.

Infini Clear 3R Complex Shower Gel

another Infini clear product for bathing is the shower gel. Most men prefer the shower gel over the soap. But the women are letting go. It’s not a gender product, so anyone can use it. It cleans the skin so well that you will feel the core of your skin.

To use properly, soak your sponge in water, apply some quantity ofInfini Clear shower gel on it, while you scrub your body with it. Remember not to scrub your face with sponge. Sponging your face causes rashes and pimples to manifest.

So avoid using sponge on your face. Instead, put some Infini clear shower gel in your hand and scrub your face with it. When you are done scrubbing, wash it off with warm water, using your hands to scrub until the gel clears completely from your face.

Infini Clear DSR7:

After drying your body properly, it’s time to apply more Infini clear products on it. This time, we start with your face. It’s best to start with your face. You know when you rub scream, it leaves residue on your palm. You don’t want to end up rubbing those scream residue on your face, especially if you have a sensitive skin.

Your face is an important area of your skin beauty project. You must use special products only meant for your face. Don’t use body creams on your face. There are facial screams meant only for the face. And because you don’t cover your face like your body, you need to use only the right products meant for the face.

Infini Clear DSR7 exclusively removes dark spots on your face in just 7 days. This product also contains carrot. The product content is just 25ml but it works wonders on dark spots. Consider it a facial treatment if you want to face to glow and look good. However, after you have achieved a perfect face, you also need to keep the face still looking good by continuously using the product on your face at least twice daily.

Infini Clear 3R Clarifying Oil:

When you have thoroughly cared for your face, you can now face the other parts of your body, while your face absorbs the cream on readiness for your makeups. Ladies understand this very well.

If you have a dry skin you must not do without Infini Clear Clarifying oil. It’s also good for everyone, especially during the harmattan season. It keeps your skin moist and glowing.

Take a little drop of the oil in your palm and rub it in over each part of your body. You can use the oil alone or mix it with Infini clear lotion to get a smoother feel and better results.

Infini Clear 3R Complex Cream

Another Infini clear product that’s good for your dry skin is this complexion cream. It’s good for most body type, but particularly suited for oily skin. It provides penetrative moisture that constantly keeps your skin moist to create a protective barrier on the dermis.

Infini Clear cream is the right product to help you manage a dry skin, regenerates your skin and still achieve a better complexion. To get the best result with Infini clear cream, after bath apply cream when your skin is still damp, and pat your skin dry, rather than rubbing the cream on your skin.

However, body cream or even the lotion should never be used on the face. As I have already explained, find our dark spot remover for your face.

Infini Clear 3R Complex Lotion

This body lotion is suitable for dry skin, oily skin, normal/combination or any skin type. However, if you have super dry skin that needs special attention, it’s best you go for Infini clarifying cream.

The contents is formulated with mostly water and a little carrot oil to make it suitable for all skin type. It also contains carotene and vitamin To make your skin light, manageable and satin-smooth, which is designed to deep-nourish your skin, protect it and give you a feeling of well-being.

The best application is twice daily on whole body after every bath.

Does Infinite Clear Cream Have Side Effects?

When buying a cream it’s always advisable to consider if there’s any side effects. Some manufacturers would mention the side effects, but not all of them do that. Unless there are some clinical tests conducted by an independent laboratory, there may be little or no information about the product side effects.

Infini Clear doesn’t have any independent test on its side effects. We are only going to base our findings from users own experiences on using the products. However, examining the two major chemical components found in Infini Clear products, we can critical examine if there’s any foreseen side effects.

The two main ingredients in all of Infini Clear products are:

  • Carotene
  • Vitamin E

Research has found that eating a carotenoid-rich diet, including beta carotene supports eye health and prevents eye diseases. It’s also a provitamin A carotenoids – a nutrient that the body can readily converts to vitamin A.

On the other hand, vitamin E applied topically may help nourish and protect your skin from damage caused by free radicals. Vitamin E is a powerful antioxidant that may be effective at reducing UV damage in skin. However, if you have Oil skin, avoid serum and Oil creams that contains vitamin E.


One thing you must have noticed about Infini products is the inclusion of carrot oil. If you don’t know about the benefits of carrot oil, let me enlighten you a little. The oil is extracted from carrot seed. It has antimicrobial, antioxidant, and anti-inflammatory properties that may improve skin health and even prevent aging, with no side effect whatsoever.

That’s one of the ingredients that made Infini Clear Cosmetics the best skin product in Nigeria. All the products contains the properties that removes dark spots, regenerates your skin, and leaves your complexion radiant. That’s the 3R complex symbol you find in all the product packaging.

However, after from the dark spot remover, which produces result in seven days, you may have to use the product for a period of time to start seeing improved results on your skin. Some may start seeing results in 30 days, while others may be 60 or 90 days depending on usage.

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Business Management

How to Pick No.1 Best Web Hosting Coy

When it comes to web hosting, consumers are confused about who’s the best web host provider. Although, many reviews are online with the list of all the big and presumed best web hosts, but how true are these claims?

In the process of marketing web hosting packages, providers ignore the important things customers should be made aware of before buying a web host. Their primary concern had always been to sell more web host, but where does that leave the consumer?

Moreover, the customers themselves are carried away with cheap web hosting prices that they forget to read the fine details. The most popular web hosting package is the shared web host. That hosting plan could cost you around $3 to $9 per month. Yet, what’s not told us is how much of web resources are given to consumers for this huge value proposition, because it’s usually sold in the guise of unlimited resource.

Let’s even imagine it this way that it’s called shared web host for a good reason. It’s to be shared among other blogging sites. So, how many blogs are sharing that same shared server resources? How much web space and resource is allowed for each blog on the shared server? What kind of website should you even hosted on a shared web hosting plan? Honestly, these question should get honest answer but they don’t. Let’s just keep learning.

However, there are different types of web servers to host your blog, and at different prices, offering different features and options. The list is endless. Yet, with all these options out there, little is done to clarify what packages fits your web hosting needs better. As a newbie, you are abound to make mistakes without a guide.

What Bloggers Should Know About Web Hosting

Let me even assume you know little or nothing about web hosting. That means, you don’t know how your blog exist on the internet. For most startups once you mention blogs that’s all they know about online business. They don’t know how a blog is planned, designed and hosted on the internet.

If you don’t know how your website exists online you will be at the mercy of those who know. That could be costing you more money. As a startup blogger you may just need little web hosting space to begin with. A shared hosting plan is ideal for a startup blogger, while you are yet building your web traffic. Note that your actions and that of the others sharing the same server would affect everyone else on the shared server. However, once your web traffic hits in the thousands daily, you should start planning to migrate to a bigger web hosting space, with more control over your own space.

So, think of shared server as a web host space for beginners, when you are still growing your traffic. Even if you don’t know when exactly to move, your web host provider will inform you when your blog is taking too much resources in the shared space. That’s when you should migrate to VPS (Virtual Private Server). This VPS hosting plan gives you a much better control on the resource you use on the server, even though it’s also a kind of shared hosting.

A VPS is a glorified dedicated server. It gives you the benefit of a dedicated server but on a kind of shared plan. Assuming there are 10 blogs on a VPS, each one would get a defined storage space, bandwidth and other resources like everyone else. You are limited to the space allotted to you. Your actions or inactions doesn’t affect anyone else on the server. That means a dedicated server is like you owing the entire server where your blog is hosted. This should be your final destination for hosting your blog.

What Is Bad Web Host?

Is there such a thing as a bad web host? Yes there is. However, they don’t always appear bad from the outside. Most bad web hosting experience people had were caused by two main factors, like poor marketing and poor customer support. Most of the big web host providers are guilty of these factors of bad web host.

So, if you are concerned about bad web host provider, you don’t solve it just by picking a well known brand. In fact, the bigger the brand the more the are overwhelmed by customer complains. That’s where most customers begin to be disappointed. Big brands main focus is their bottom line and not the people.

Also, there’s marketing problems as well. Most big brands do it. They sell you a service without explaining all you are getting at the end. They over sell and under deliver on their promises. It’s usually difficult to avoid falling into bad web host provider. That’s why it’s safe to read through honest reviews about the product by other customers like yourself before you buy.

What’s Even Web Hosting?

Imagine if this is your first time of starting a business online and you are told to buy a web host. You maybe confused at, wondering what is a web host? If your web designer handles hosting for you, then you are probably paying more than you should or getting less than you should get in web speed and search engine ranking.

Let me help you even to understand this mystery of web hosting. A web hosting service allows individuals and businesses to post contents in websites or web pages onto the internet. It’s like a house. A web host is the house for your blog. So, without a web host your blog or website is homeless.

On the other hand, a web host provider is that business that provides the services needed for website or pages to be viewed online, by providing the technologies required to power it. That makes your web hosting provider your landlord, and you pay rent to your provider for giving you space on their web server to host your blog.

However, there’s no technicality required for you to have control of your web host. Think of it the same way you use your email account. Technology has simplified so many things. That’s the same way you control a web host. You create an account, and you get a username name with password. If you ever needed to do any technical thing, just hire an IT person on FIVERR, give him access to do the work on your server and change your password later to protect it.

Having control over your website is not something you should give away to someone else. If you have been doing that in the past, take it back now by buying your own web host. I’m going to show you how to do it in this post. You will never be a novice again about web host.

Things To Get Ready Before Web Hosting

Now that you have an idea of what web hosting is and how to buy one, the next thing will be to get what you are really going to be hosting online. Let me give it to you as though you didn’t know it already. I don’t want to assume that we all know it. The two things you should get ready for web hosting are:

  1. A domain name
  2. A website or blog

Now that you know what they the two things are. A domain name is the registered name of your website. That’s the website URL (Uniform Resource Locator). It’s the name everybody will know you with and use to locate your website on the internet. An example of a URL is (FACEBOOK.COM).

That’s just one example to describe what a domain name is and looks like. It also depends on the domain prefix you want, you can buy it from any of the domain name registrars, or you can buy from your web host.

Let me also explain what website is to you as well. It’s like when you put on clothes, if you have no website your domain name will be naked. Anyone who goes to your website or blog won’t see the content. Just in the same way that when you take off your clothes you become naked. So, your website is the content that people see when they visit your domain name.

As a newbie, you may have not be able to design your website yourself. Just don’t let it bother you. There are several options to get a professional design your website for you at a cheap offer.

Things You Should Look For In A Web Host

If you are new to web hosting, you probably would like to know things you should be looking out for when picking a web host. I have a list, it’s probably the same list you see on the web, but I also added some extra tips that you should follow over and above the list.

Here are what you should be looking for:

  • Do they have fast speed server?
  • Do they have uptime at least 99%?
  • Do they offer a variety of plans?
  • Do they provide support service 24/7?
  • Do they offer the right price?
  • Do they provide ample resources for starters?
  • Do they support free migration If you are already hosting your site elsewhere?
  • Do they support domain name management?
  • Do they offer satisfactory security options?

But while you may ask all these questions and probably get answers from web host providers, here are what I would like you to verify about them.

  • What kind of support do they offer?
  • How fast is their server speed?
  • What shared resource capacity do you get in a shared hosting?
  • What’s their renewal rate?
  • What renewal period do they offer?

You should be the one driving the conversation around what you need. Like, what are the features you need the most? It may surprise you that some web host don’t upgrade their PHP version. An old PHP version increases your website vulnerability. That’s the reason you must pick your host wisely.

How Much Should You Pay For Web Hosting?

One other thing blog owners consider when hosting their site is how much they have to pay. Although no one can actually say this or that amount is the right cost for web hosting, because each web hosting provider have different costs associated with their business. Their final cost consideration is also based on their peculiar situation.

However, what should be more important to you is how much you are willing to pay for the best kind of web hosting plan that you want. Once you define what your web hosting needs are, then look for a hosting plan that meets your needs at a price you can pay.

You should ensure that you agree with the actually cost of renewal before buying the web host. Most providers sell their first year at a hugely discounted rate, but the renewal fee will be their actual hosting fee. Don’t get deceived by this offer because they usually don’t make them so glaring for customers to notice.

What’s Interserver Web Hosting?

Now let me start by introducing you to Interserver Web Hosting. Interserver is not the only web hosting provider out there. In fact, they are the most popular but they offer some superior services you need to take advantage of, and because they put their customers first.

The company has been hosting websites for the past 21 years. And as an innovative driven web hosting company it has evolved its web hosting services to include shared hosting, cloud hosting, quick and dedicated servers.

If you want to know who their customers are, they range from individual freelancers like you, to Fortune 500 companies, wether they are in the domestic or international market. You can make a shift today and try out Interserver for just $1 for 3 months shared hosting plan. I have used this plan myself.

Just before you buy, take a few moments to go to their COMPARISON PAGE.

Tips On Interserver Web Hosting Services

One of the confusing part of web hosting is picking the best hosting plan for your website. It’s not all Hosting plan that’s suitable for your kind of website. And there’s also the cost implication with the different hosting plans.

If you have cost consideration then you need to choose the plan that’s cost effective but suitable for your site. I have explained on this post about how you should make this choice as a startup blogger. Well, here are even more elaborate options from Interserver you can pick from.

  • Standard Web Hosting
  • Pro Hosting (reseller)
  • ASP.Net Hosting
  • Email Hosting
  • cPanel Hosting
  • Non Profit Hosting
  • Student Web Hosting
  • Website Builder
  • E-Commerce
  • Blog Hosting
  • VPS And Clouds
  • Dedicated Servers

The above listed web hosting plans comes in different sizes and prices. Follow the LINK HERE to get to the site tutorial as a beginner to learn all you need to know about web hosting.

My advise is don’t even rush things. Take your time to go though the website and read about what other customers like you are saying about Interserver Web Hosting. I do that often before I download an app, even if it’s a free app. So, I encourage you to do the same. CLICK THIS LINK and I will be sending you right to the support page.

Steps To Signup With Interserver

I don’t want you to jump at this offer simply because I said so. I want you to verify these things for yourself. There are two key reasons anyone should choose Interserver and that would be their best offerings. Those two reasons are:

  1. Fair price and flexible renewal plan
  2. Fast speed server

At $5 per month, Interserver is offering one the lowest shared web hosting rates in the world. I don’t mean discounted rate. That’s their actual rate for renewal. In fact, you can pay just $1 for the first 3 months. That’s how cheap their own discount can be. Yet, I don’t want you to rate them by their discount but the renewal rate.

As for the server speed, you don’t need a lecture on that. Speed matters a lot in online business. Everything on the internet world is about speed. That’s what Interserver is offering ahead of others. The speed of their server is 395ms, which is between a speed range of 200ms to 1000ms. It’s faster than most big web hosting brands.

Now, if you are ready to buy a web host from Interserver, then let me show you step by step how to do that.

  • Step #1: Go to Interserver Website (CLICK HERE)
  • Step #2: And click on the LOGIN icon
  • Step #3: Look for the SIGNUP LINK below the login page
  • Step #4: CLICK on the link to open the SIGNUP page
  • Step #5: Enter your email and desired password in the boxes provided
  • Step #6: Accept the terms and conditions and click CREATE ACCOUNT
  • Step #7: A CODE is sent to your email
  • Step #8: Retrieve the CODE and INSERT it in the new CODE BOX

That takes you right into your Interserver Web Hosting account. It takes less than 3 minutes to create a web hosting account on Interserver website.

How To Make Money With Interserver

Even if you don’t need web host for now, I have something that should get you excited about Interserver. Everything is not just about buying from Interserver, you can make money from them too, by signing up with them as an affiliate. Yes, there’s money to be made from Interserver, and I will show you just how that money could be yours.

It’s affiliate marketing. I’m sure you know about it, or better I should explain a few things about it to help get started if you don’t already know. Affiliate marketing according to Wikipedia is a type of marketing that’s based on your performance, which is rewarded by the affiliate business for each visitor or customer you brought to them by your affiliate or marketing efforts.

So, if you brought a customer to Interserver now, they will reward you by paying you $100 for that effort. Yes, that’s how much they pay for each customer you brought to them. You can take this up as a business, promoting it on your blog or social media pages and you could be earning as much as $1,000 monthly.

To start immediately just follow the guide above on how to create a web hosting account on Interserver. This one is simple. All you have to do is signup on Interserver website and you are automatically an affiliate. Your link is found right below the home page when you login. Copy that link and start promoting it to your audience.


The truth about web hosting is that you must need it if you want to build business online. Even though you may have started from social media, you can still end up with a website. So, I’m not offering you a product you will never need. Just like we all need a home, you will surely need this one soon.

The next thing that’s most important in web hosting is the actual price you pay for continuous hosting with a provider. Most providers lure you into hosting with them with a discounted offer for the first year. Although that’s good but most people never get to really know the actually cost of their hosting plan until the next year when it’s time for renewal.

Finally, if you ask me what’s the most importing thing to look out for in a web host provider, I would say server speed. That’s what matters at the end for everyone. That’s one thing you may not be able to control either. You can pay for and get more space, bandwidth, and server security, but you cannot just pay and ask for more speed. Yet, that is what would affect your site ranking the most on search engines.

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How To Travel To UAE With Dubai Employment Visa

Do you want to live and work in UAE? What you need is dubai employment visa. Although United Arab Emirate (UAE) doesn’t issue residency visa that would give you rights to live in that country, but one can get employed and that employment visa gives you right to live and work there for as long as your visa period.

But the process of getting this employment visa is not as simple as getting a visiting or business visa to the UAE. The process is different and there are genuine agents responsible for helping companies in UAE employ Nigerian right from the home soil.

Note that these employments are in different categories and would cost you some huge processing fees. That also means you have to be careful with whom you are dealing with. There are many fraudulent agents offering dubai employment visa.

Your only security against fraud is to deal with the right people.

Introduction To Dubai Employment Visa

The first thing to understand about dubai employment visa is that is a real employment. The focus is not the visa but the employment. You are getting a job to work and live in United Arab Emirates.

It’s as a result of this employment that you are granted visa that gives you working permission in the UAE. And the nature of job can be as simple as a security guard. Yes, you heard me. With the job offer you are granted dubai employment visa for a period not limited to 3 years.

And this employment visa is renewable for another 3 years upon the expiration of the first one. It goes on and on for as long as you chose to work and live in the UAE. But the real issue is finding the right agents to help you. I will explain more in the next sub-head.

How Dubai Employment Visa Works

If you have doubted the reality of Dubai employment visa, I’m here to clarify it and help you connect with the right source that is guaranteed to get you employment in the UAE. Remember, it will cost you some good money. And I’m talking about over a million bucks.

The money is important because no agent would help you for free. Also, it cost much to process dubai employment visa. In fact, anything relating to government documents in the UAE is expensive. For example, getting a driver’s licence can cost over a million naira. The least is about 500,000 naira. That is the same drivers license you can get for 15,000 naira in Nigeria. You see why the employment visa is not cheap.

Although, there own driving licence process is different. The more you fail the exam the more your cost of licence increases. But if you pass the driving exam in one sitting your cost is around 500 dirham, which is equivalent of 500,000 naira.

How Company Employment Works In UAE

First, let me clarify some popular impression created by fraudulent dubai employment visa agents. It’s a very difficult thing to get employment in UAE when you are already in the country with a visiting visa. Most agent would tell you that they will get you a job when you arrive. It’s a big, fat lie.

Visiting visa, business visa and employment visa are not the same. If someone is doing employment visa for you and brings you a visiting or business visa, it doesn’t guarantee you employment in dubai.

United Arab Emirates is a country of law and order. And they have a way of doing things. Every company in the UAE employs foreigners. And that means they are permitted by law to bring in foreigners to work for them. So, most of these employment processes happen outside of the UAE.

These companies Work with employment agents that are operating outside of the UAE. And most of them also conduct interviews in the country where they employ workers. You will need a genuine Dubai employment agent to get a job in the UAE.

How Dubai Employment Visa Agents Works

These employment agents are working with companies in UAE to employ foreign nationals to work in the UAE. Each employment agent has their area of speciality. Some are good at employment taxi drivers. Some deal on security workers, construction workers, etcetera.

And these UAE companies sign agreement with these approved agents. But most times, these approved agents work from their base in the UAE and have sub agents all over the country.

The work of the sub agents is to get job seekers and manage them till they attend their interview, make all their payment as at when due, get their dubai employment visa and travel. The agent does all the job for you with the company. It’s only when you get to the UAE and start work that it may feel real. Most people doubt a lot that it actually works. But it works if you are dealing with the right people.

Action Points To Dubai Employment Visa

Let me also guide you on the processes to help you understand how your dubai employment visa gets done. One thing you should know is that the process doesn’t have a specific timeline. It can happen so fast or take so long.

But if I must say, what takes time is fixing the interview date. But you don’t have to worry at this time because you don’t have to pay any agent for dubai employment visa until you have attended company interview and passed.

Your agent can’t help you get the employment. They only help you when you have passed the interview and the company hires you. And the reason for the agent is to streamline the process of your employment visa with the company hiring you.

Step One: Get The Necessary Documentation

The first thing you must do is to know the requirements for the job you are interested in. For example, if you looking for a taxi job, the basic documents includes the following:

  1. Your international passport
  2. Your driver’s license with at least 2 years experience
  3. O’level certificate
  4. Medical certificate
  5. Age not more than 42 years
  6. And any other thing that may be required from you based on that specific employment.

And different employment visa would require different criterion. Just find out what’s applicable for the kind of job you are applying for. Also, most of the jobs available for Nigerians are the handy jobs. The reason is simple, most companies in the UAE have been dominated by Indians. And at such, most of their managerial positions are filled by Indians as well.

Step Two: Conduct Your Own Medicals

The medical certificate required above is compulsory. It can stop you from getting the job even after you passed the interview. At the day of the interview the comoany is not going to conduct any medicals on you.

You will need to do your own medical certificate before going for the interview to be sure you qualify on health ground. The company doesn’t conduct medicals but the UAE embassy does for most dubai employment visa.

Step Three: Get All Your Money Ready

You will definitely need a lot of money if you want to get dubai employment visa to work in the UAE. The cost of processing employment visa like I gave you in the example with driving license is costly. But that’s how the country works. And more so because of the exchange rate to the naira.

And like I have already mentioned, you should have at least a million naira and above. Note that the actual cost is not up to a million. But the original agent will add his markup, and so will the sub agents too. So, you are paying the price based on which level of sub agent you come from.

But don’t worry, if getting the job is important to you and you can afford to pay, you can equally get back all the money spent in just few months of working in the UAE. Most salaries are upward of 200,000 and above. Some people earn over a million monthly.

Step Four: Submit Your Documents To An Employment Agent

If you have your documents and your money ready, the next step is to submit only the documents to your agent. Note that you shouldn’t pay any agent money until you have attended a job interview and passed.

The employment visa process doesn’t commence until you have passed your interview and got employed. It’s the company employment offer letter that gives the agent rights to demand employment visa from UAE authorities on your behalf.

And that doesn’t happen until you are fully employed by the company and a letter to that effect sent to the UAE visa authority to issue you an employment visa to enable you travel to the country to start work.

Note that Dubai employment visa is not always available like the visiting or business visa. Employment visa is only available when companies are employing new workers. A good agent will only collect your contact and notify you when an employment opportunity is available.

Step Five: Wait For The Interview Date

So, once you have submitted your documents, wait for the interview date. To attend the interview the agents usually collect some small fee. The fee is determined by your agent. The reason for this fee is to help the organizers of the interview entertain the company executives that are coming for the interview.

They make them happy so that they can employ more people. There are usually hundreds of people coming for these interviews. And most times only a few can be taken, like 100 or sometimes just 200 people. And that’s little compare to over 800 people that may come.

Your agent should also prepare you for the interview. He or she should know how the interview is conducted. I recommend that you use agents who have been employed before for the same job you are applying for. It will help in preparing you for the interview so you can pass.

Step Six: Make Your First Installed Payment

And once you pass the interview, your name is included in the list of new workers. That’s when to make your first payment. Don’t pay all the money yet. Pay at least 50% of the amount the agent charged you.

By now, you are convinced the agent is real and not fraudulent. The purpose for the interview is that you also meet others who came for the same thing from other agents as well. Don’t go asking how much they were asked to pay. Focus on knowing if they trust the process.

Even if you paid less, if it didn’t work then you didn’t achieve your plan of getting dubai employment visa.

Step Seven: Pay Your Balance When Visa Is Ready

From now on, the process is a lot faster. The first installed payment ensure that the process commences immediately. That’s why I said you should have all the money ready. Don’t work on friends and family promises for money. If you don’t have the money ready don’t even start the process. It can be frustrating when you now have the job and you can’t afford to process your dubai employment visa.

And when your employment visa comes out, which your agent would send to you, it’s time to pay the balance. Now is time to pay the remaining balance of 50%.

Step Eight: Buy Your Flight Ticket

Since you already have your employment visa, it’s time to buy your ticket. However, I would discourage you from going ahead to buy flight ticket on your own even if you may get it cheaper. That would be pennywise pound foolish.

Wait for your agent to release the departure date and flight ticket fee. Pay him to buy the flight ticket for you. The rate will also be given to you. Employment agents usually get cheaper rates though. And they like to fly their team in groups. It helps avoid any issue picking up someone at the airport.

You will travel with others going for the same job and in the same company. You will make new friends and gain new comers experience together.

Step Nine: Travel To Start Work in The UAE

Finally, once your flight ticket is ready, it’s time to plan for the trip. It’s ok now to discuss with your agent about things you should plan to travel with. Don’t pack too many cloths if you are going for taxi driving or security work. You will be given Work cloths and you won’t have enough time to use most of your own cloths. It’s better you go with less cloths.

Make provision for food items if you love Nigerian foods. But you have to know how to package local food stuffs for international travel. You may not be allowed to travel with red oil. So, don’t take that one.


If you read through this article on how to travel to the UAE with dubai employment visa, you must have learnt some very important tips to help you achieve your dream of working and living in the UAE.

I made mention of required documents but only specified for drivers. I also showed you how the agent network works. And I specifically advised that you have all the money ready before you even embark on it.

But now, here are contacts to help you start a search for the right agent. You can Call/Text/WhatsApp us: 07087770518 or 08139006120. And I will link you to the next agent to help you get your dubai employment visa.

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