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Urban Sketchers Montreal in La Presse

[By Marc Taro Holmes in Montreal, CA] If you download todays issue of La Presse (Sat Nov. 12) available for free on the Apple App Store, youll find a terrific feature in the Voyage section all about Urban Sketchers Montreal!

I believe issues of the paper stay in the app for a week, so youll have to check it out soon to read the article. (French language).





The app allows for some neat interactivity, including a pop-up drawing showing before and after versions of one of my sketches and the real world - as well as a fun section on supplies, where you can click on various tools and see explanations.





The article expands on the world-wide urban sketching phenomena, featuring a gallery of some of the top sketching cities in the world. (Seattle, Singapore, New York, Berlin, Hong Kong and Paris). Have a look if you know anyone in those towns - they might have a sketch in our paper!


~marc

Available link for download

Glo Unveils 4G LTE Network in Nigeria Check Here If Its Now Available in Your Area

This is a great surprise to the Glo lovers, Globacom just punches the clock with their own 4G LTE network like a dream in the night. This is coming just few months after MTN 4G went live.

Unfortunately, the Glo 4G network is only available in a few cities at this moment, but they are planning to extend it to other Cities soon. At this moment, it available in 9 major cities. The cities are;
http://www.shelaf.com/2016/10/glo-unveils-4g-lte-network-in-nigeria.htmlposted by ConnectMe

Available link for download

How To Switch to 4G LTE in Nigeria MTN GLO NTEL ETISALAT

In less than a week, ETISALAT, MTN and GLO have officially launched their 4G LTE network across Nigeria. It seems Nigerias quest to achieve 30% (thirty percent) broadband penetration by 2018 might actually become a reality. Nigerians can now finally access super fast mobile internet service for the first time in a very long time. With 4G LTE now available to different parts of Nigeria, you can now enjoy the speed of broadband internet directly on your mobile device. Its time to throw your Swift/Spectranet/Smile modem to one corner. Lets get started.

Available link for download

FREE WiFi in Lagos for Zenith Bank Customers

Its really the era of change in Nigeria! New things are happening especially in the technology market. In May, Airtel partnered with the Lagos state government to dish out FREE WiFi at the Lagos City Mall in Onikan. The only problem was that it lasts for just the first 15 minutes of browsing, so it kills the fun. Some other small, independent Cafes and restaurants have also started providing free WiFi hotspots in Lagos. You can check out the full list and location of such spots here.

Zenith Bank, one of Nigerias leading banks, took giant steps in the Free WiFi dream of Lagosians and have started rolling out free WiFi exclusively for their customers.


In a press release by their Facebook Page, Zenith Bank announced that you can now access FREE Unlimited WiFi at the premises of the Lagos State Teaching Hospital (LUTH) in Idi-Araba. All you have to do is connect to the free WiFi and log in with your Zenith Bank account number. This means that whenever you are at LUTH you can enjoy free unlimited WiFi service, as long as you have an account with Zenith Bank. This is a very nice initiative and I hope that other banks and corporate bodies will also join the party and spread this to other parts of Nigeria.

Meanwhile, I still dont understand why FREE WiFi will first be rolled out at an hospital. Wyd? Who wants to go to hospital? Nobody, except Doctors and Nurses. :-)

Available link for download

We put our school fees project money in MMM varsity students lament

The amount I invested in the MMM
scheme was N100,000. I was expecting my
30 per cent profit when I got the news that
our accounts have been suspended. It was
a bitter news. Being a student, the fund
was raised to pay my school fees and to
meet other basic needs. It is a great risk
but many students enrolled in the scheme
to make profit and to live a better life. If
MMM crashes, I would accept it as my
fate. I will have to look for other ways to
source my school fees. There is nothing I
can do. I will only learn from it and not
engage in such a scheme again.
— Ozadhe Russell, Civil Engineering
department, LAUTECH, Ogbomoso
A friend introduced me to participate in the
MMM scheme. Being a lucrative one, I
decided to benefit too, having heard of the
success stories. I invested N40, 000 in the
scheme. The money is for my final year
project and my feeding allowance. It will
be very painful if MMM crashes.
Considering my investment, it will be a big
loss for me. My plan was to use the profits
from the scheme to finance my final year
project and to meet other needs. I am
seriously praying that the suspension
should be lifted so I can reclaim my funds.
— Faniyi Inumidun, Accounting department,
AAUA
A friend in my department started talking
about MMM excitedly. He said MMM was a
new online business platform that credits
you with 30 percent interest of your
payment in 30 days. I said waoh! I never
took interest in it until the need to tackle
certain needs arose.
On Tuesday when the news that the MMM
had been suspended came in, I was
expecting bank alert of roughly N500,000. I
raised the fund to participate in the
scheme from my pocket money. If the
scheme crashes, it will be a big loss to
me. Just last week, I lost to an online
business called ‘coin fever,’ it all happened
within minutes. I have always known that
MMM would crash soon. If it crashes, it
will hurt me but life goes on. I participated
in the scheme despite the risks to upgrade
my life and to beat the current economy
recession. There are so many financial
needs to meet up with such as paying my
school fees, buying text books and other
learning materials as well as other dues in
the school.
— Chukwunyere Chimobi, Electrical
Electronics, FUTO
The latest investment I made in MMM was
N100,000, but in total, I invested over
N250,000 in the scheme. I got money to
invest in MMM from other businesses that
I run as a student. I didn’t have any special
plan for the money I would make from
MMM. With the profit, I would upgrade my
lifestyle and improve my life. I had always
known that it would crash one day as it is
not a sustainable scheme. But I always
prayed that my money doesn’t get stuck
when it eventually crashes. I will feel the
impact of the loss if it crashes. MMM is
not my only business. I do other things
that fetch me money.
— Martin Mundus Unakwe, Electrical and
Electronics Engineering, FUTO, Owerri
A friend of mine told me to join MMM
when I told him I needed some money. I
decided to try my luck with the money.
When I saw many students making money,
I joined the trend. I actually participated in
the scheme because I needed to meet up
with some basic school needs. For
example, when I offered to provide “help”
of N50,000, in the following month, I
collected N75,000, with a gain of N25,000
without working or stressing myself.
I basically invested in it because of the
high return on investment. In this period of
recession, it became a way out. I will say I
belong to the lucky category of investors. I
got all my money back last month before
the accounts were frozen; I decided not to
participate in it again because I was
scared.
It is hard to believe that the money of
other participants is going to be paid back.
I hope and pray they lift the ban in January
as they promised.
— Ifediora Sylvia, Federal Polytechnic, Bida,
Niger State
Someone introduced me to MMM and he
talked excitedly about it. I invested
N30,000 in the MMM business. The money
was what I made from a project I did for
someone. Being a final year student, I am
already preparing for graduation. I figured
out that before my NYSC, there are things
I could do if I have some cash. It will be
painful if the scheme crashes Against an
imminent crash, which I have been praying
against, I will move on with life. This is
because, from the outset, I understood the
risk involved.Life is all about risk.
— Tunde Afuwape, Biochemistry, LAUTECH,
Ogbomoso

Available link for download

Top 20 Most Visited Websites in Nigeria as at 28th December 2014

The year 2014 is almost over and the number of internet users in Nigeria is on the increase. According to internetlivestats.com, Nigeria is 8th on the list of countries with highest internet usage. Behind the likes of China, USA, India, Japan, Brazil, Russia, Germany respectively. More than the UK, France etc. It is worth noting that Nigeria (8th) and Egypt (14th) are the only two African countries in the top 20.

Nigerians visit a wide range of websites from news to sports to e commerce websites. Here is the list of the top 20 most visited websites by Nigerians as at 28th December 2014.





1. Google.com                                                                                     11. ask.com

2. google.com.ng                                                                                 12. amazon.com

3. facebook.com                                                                                  13.wikipedia.org

4. yahoo.com                                                                                       14. naij.com

5. youtube.com                                                                                    15. linkedin.com

6. blogspot.com                                                                                   16. lindaikeji.blogspot.com

7. konga.com                                                                                       17. vanguardngr.com

8. twitter.com                                                                                       18. gtbank.com

9. jumia.com                                                                                        19. goal.com

10. nairaland.com                                                                                 20. pucnhng.com


The ranking is courtesy Alexa ranking as at 28th December 2014. A summary of the rankings show that Google is still Nigerias top most visited website and search engine. The most visited Nigerian website was Konga.com Nigerias no. 1 online shopping mall in 7th place ahead of major competitors jumia (9th).






Goal is the only sport website in the ranking as Guarantee trust bank is the only bank also. Vanguard is the most read online news paper while Lindas blog still remains Nigerias no. 1 Blog. Facebook still remains the most used social media.

 What do you think? Drop your comments below.

Available link for download

How To Verify any Bank Account Number in Nigeria

Let us imagine three scenarios:

1.You want to send money at the ATM, then you are unsure of the account number, you now have to call/WhatsApp/Ping the owner of the account to confirm but everybody at the ATM queue is screaming at you. You just stand here wondering why bad things happen to good people.

2. You are at the bank, you want to send money to someone, you are unsure of the account number, so you head up to the customer care section but there are about 20 people on the queue there too. *deep sigh*

3. You want to use the mobile banking app on your phone to transfer money, for some reason the app doesnt verify the account number for you, you decide its better to just postpone it and confirm later.

This has to stop. Theres a solution to all these problems. Its an app called Nigerian Bank Account Verifier.

HOW IT WORKS:
=> Download the App (Check download link at the end of the post)
=> Install the app and Open it
=> Select the bank name
=> Enter the 10 digit Account Number
=> Click Verify
=> It will show you the Account Owners full names.

WHY YOU SHOULD USE IT:
=> Prevent Identity theft
=> Prevent Scam, find out real owners of account numbers.
=> Save yourself the stress of facing above scenarios
=> Prevent sending money to someone elses account.

Recommended For You:
=> How To Find PostCode/Zip Code in Nigeria
=> How to Check BVN on Phones in Nigeria

This is a very nice app, and i recommend it for everyone. Personally, its a life saver app. The only issue is that its only available for Android devices for now, hopefully the developer will add other platforms to the list soon.

Download Account Verifier from Google Playstore Here (or from Alternative Fast Mirror here)

Available link for download

The Room Three APK Free Download This game cost 5 in playstore ZEROSAPK

The Room Three APK Free Download Letest version for Android. Download full APK of The Room Three unlocked.

The Room Three Review
The Room Three is a puzzle game developed under the banner of Fireproof Games, Top Developer in Google Playstore. It’s the official sequel to the award winning The Room and The Room Two. It’s an exciting physical puzzle game in which you have to solve a number of puzzles to navigate your way in trials which are planned by The Craftsman.

This game really tests your puzzle solving skills. This game contains a very simple yet attractive interface which you will like very much. It is very easy to start but very hard to let go and you will surely be addictive to this game. It is because of the intriguing puzzles it offers. The game is developed so precisely and with every minor detail that you will actually feel the surface of every object. It has a lot of new locations where you can easily lose yourself. You can easily rotate, zoom and examine different objects to find the missing things. All in all this game is true to its hype and you will surely enjoy this game.

Features of The Room: Three
Below are exciting features of Game which you’ll experience after The Room: Three APK Free Download.

Impressive puzzle game.
Official sequel to The Room and The Room Two.
Need to solve numerous puzzles to navigate your way.
Tests your puzzle solving skills.
Addicting game.
Got lots of new locations.
Can easily rotate, zoom and examine different objects.

Supported Android Versions
Ice Cream Sandwich (4.0–4.0.4)
Jelly Bean (4.1–4.3.1)
KitKat (4.4–4.4.4, 4.4W–4.4W.2)
Lollipop (5.0–5.1.1)
Android Marshmallow (6.0.0–6.0.1)



The Room Three APK Free Download
So Excited to Play? Well click on below button to start Download The Room: Three APK. This is single direct link of The Room: Three APK Mod Unlocked With Unlimited Everything.


Instructions To Install
Before Installing Game, Turn off WiFi and Mobile Data. You can enable them later after game has started working fine.
Extract the obb zip file directly to location sdcard/Android/obb/ or Copy Extracted folder com.FireproofStudios.TheRoom3 to sdcard/Android/obb/
[NOTE] If the obb folder doesn’t exist, simply create a new folder named obb inside sdcard/Android/
Launch the game.
Open the app, and run the game. It should no longer say “data files needed to download”
These are the steps and instructions to install any android games, that come with obb files, or are large in size.

Hope this helped.




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The Room Three v1.02 Full – fantastic game “Room 3” Android Mobile Data
Score 5.0 from 5.0 and $ 2.99 at Market America (US)
100% tested on LG G3 Android 4.4.2 to run Offline
special offer SOFDL

The Room Three amazing third edition of the game and fantastic rooms Fireproof Studios for Android is just a few minutes ago, we saw it and decided to present it for the first time you are lovers of intellectual games and introduce Adventure ! Games have been released for “Welcome to the third room! Prepare your mind to face major challenges, with hectic and full of mystery The Room Three will be crazy! Tests are underway mysterious remote island, have all your abilities to work and not leave the island! Again, logical puzzles and solve many steps one after another to finish! One of the best mobile games ahead of you, do not miss!
The Room Three v1.02 Full – fantastic game “Room 3” Android Mobile Data
Score 5.0 from 5.0 and $ 2.99 at Market America (US)
100% tested on LG G3 Android 4.4.2 to run Offline
special offer SOFDL

The Room Three amazing third edition of the game and fantastic rooms Fireproof Studios for Android is just a few minutes ago, we saw it and decided to present it for the first time you are lovers of intellectual games and introduce Adventure ! Games have been released for “Welcome to the third room! Prepare your mind to face major challenges, with hectic and full of mystery The Room Three will be crazy! Tests are underway mysterious remote island, have all your abilities to work and not leave the island! Again, logical puzzles and solve many steps one after another to finish! One of the best mobile games ahead of you, do not miss!
Instructions to install and run the game The Room Three:

– First, download and install the apk file.

– Download the data files and decompress it. Com.fireproofstudios folder . Theroom3 rejected the Android / obb copy.

– Run the game.

No doubt you’ve come ecstasy users and expect to see the title of this post is over! What you do not want to play mind games do not miss The Room Three extraordinary and we SOFDL this game to all users with Android devices offer!

Changes in version v1.02:

* Fixed problems with Google Cloud Save
* compatibility with more devices
* Added new button: Achievements







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Its a gas! The Nobel Memorial Prize in Economics

Scientific Cat-nundrums

This week, contracts won a Nobel prize. Or rather, economists Oliver Hart and Bengt Holmström were awarded the Nobel prize in economics for their work on contracts. Their studies have enhanced our understanding of incentives by examining how contracts affect relationships between employers, employees, societies and governments.  The application of incentives to IP is broad - the innovation/social contract approach to IP, patents as performance indicators in employment contracts, and, the bread-and-butter of IP, licensing contracts.

Eyes on the Prize
First of all, a bit of background. If you are an economist who supports the selection, i.e. that the winning economists work supports your own work, then you must praise the Nobel committees choice and the prestige of the prize. If you are not, then you must highlight that the economics prize is not a true Nobel prize, as it is comes from the Swedish National Bank, and therefore is not particularly impressive. Either way, one must be careful not to be too enthusiastic about a fellow economists success, lest it be taken for indication of an emotional imbalance.

Second of all, some tips if you, dear reader, are interested in winning said prize. First of all, start early and live long so that your genius has time to be recognised. Second of all, be male. Only one woman, Elinor Ostrom, has received the prize. Third, make sure you are somehow Western, and ideally American. Fourth, become at expert at posing for photos in front of books. Finally, surprisingly, remember you dont actually have to be an economist to win; John Nash, who had the gall to be a mathematician, won in 1994.  Things really are going to pot.

Contract theories
Hart and Holmström have won the prize because their names both start with H they developed complementary contract theories. Holmström began by studying trade-offs in contracts. The classic illustration is insurance, which combines both information asymmetry, where parties in a contract do not have the same information, and moral hazard, where a party may engage in riskier behaviour because the risk is shared. For example, a health insurer has less information about the insureds lifestyle than the insured.  [Merpels insurer doesnt know how much catnip she consumes.] Once insured, the insured shares potential costs with the insurer, and will engage in riskier behaviour. [Merpel has taken up parkour, because she wont have to pay for the hospital bills.]

Hart built further on this theory by examining the incompleteness of contracts. No contract can possibly foresee every outcome and consequence of incentives. He argued that property rights help mitigate this, as they place the burden of decision making on those with the property - and hence those with a stake in the unforeseen outcomes. Harts recent work on prisons illustrates this; summarised by The Economist: "In publicly owned prisons, managers might underinvest in quality-improving measures, but private owners face too strong an incentive to cut costs, leading to conditions for prisoners that are worse than those in public prisons." These incentives apply to most government services.  A privatised patent-granting body would have different incentives than a public body (think of those renewal fee$!)

Contracts and IP
Readers of Katonomics will be familiar with economists focus on the incentives-to-innovate theory of IP. This is often known as the Social Contract (covered previously here), in which IP is a contract between innovators and society; the monopoly protection of IP provides a long-term incentive to innovate. Society cannot foresee (information asymmetry) the value of each potential innovation, so all innovators are granted the same level of protection. Assigning the property right to the innovator incentivises innovation as the innovator has a stake in the outcome and the IP system as a whole.

Trophies, by R. Oxley, CC

A goal of researcher employment contracts is to align firms innovation needs with employee incentives. Patents are sometimes used as a metric of performance. There is a large body of economic analysis on the use of patents as a measure of innovation; the general conclusion of which is that patents measure patents, not innovation. More specifically, Harhoff and Hoisl (2007) examine German policies via a large survey, and find that, unsurprisingly, more valuable patents are associated with higher levels of employee compensation.  Baker (1992) models scientists salaries as entirely dependent on the number of patents they produce (a problematic assumption.)  In his model, scientists are unduly incentivised to work on "easy" patents and therefore the employer reduces the per-patent payment to avoid overpaying. Japan has recently changed its approach to patents, making it easier for employers to own patents generated by employees.

Finally, licensing contracts enjoy a never-ending analysis of incentives and clauses. The primary job of lawyers negotiating and drafting such contracts is to align the incentives in the contract with the needs of the client.  While researching the biotech sector in 2007, I came across an interesting case. My interviewee had exclusively licensed a product on a royalty basis. The licensee instead marketed a competing product, leaving the licensor without royalties.  The contract had been used to eliminate competition from the market, and failed to align the parties incentives. Another anecdote is the use by wealthy Multi-national Companies (MNC) of reversion clauses when partnering with companies in developing countries. The MNC engages in joint research and market expansion, then deliberately causes the project to fail in order to trigger the reversion clause. Both background and foreground IP, as per the contract, revert to the MNC. Its a cheap way to expand internationally.

I invite readers to tell their stories of the odd quirks of licensing contracts in the comments.  In the meantime, Im off to work with Merpel on contract incentives of catnip producers. Fingers crossed for a Nobel!

Available link for download

Sell Your Payoneer Dollars At The Profitable Rate In Naira

Hello guys!... If you use Payoneer, then you probably know what Im about to rant about Nigerian ATM machines and Payoneer dollars being withdrawn for Naira.

About a year ago, when I started earning huge dollars to my Payoneer account, I saw myself as the new millionaire in town considering the amount of Payoneer dollars I rake in every month. But sadly on getting to the bank ATM machines around me to withdraw, I was deeply disappointed with what the machines dispensed in the name of Payoneer dollars to Naira rate.
http://www.shelaf.com/2016/12/sell-your-payoneer-dollars-at.htmlposted by ConnectMe

Available link for download

Black Friday Where and How to get the best deals in Nigeria!

 The best day of the year is upon us again, 7 days to go! Black Friday is coming again with a bang. Black Friday is the day after the yearly Thanksgiving observed in the USA (4th Thursday in November). It has been regarded as the opening day of Christmas shopping season and a lot of stores open very early and sell items at huge discounts and offer promotional sales. (Read more about the origin of Black Friday here). This year, Black Friday will be coming up on the 27th of November and im sure you wouldnt want to miss out on the amazing deals on offer that day.

In Nigeria, getting the best out of Black Friday can be a huge challenge as only a few selected stores follow the tradition. Not to worry, listed below are 5 ways you can get the best deals from the comfort of your home right here in Nigeria:

 1. Konga Yakata:

 Probably Nigerias largest Black Friday event, Konga Yakata has become a sort of a yearly tradition. Nigerias largest Online Shopping Mall, Konga, brings to you items at amazing discounts. I remember last year when a laptop worth about 75k was sold for a cut price of 32k. This is just a sneak preview of what Konga Yakata is all about. Konga Yakata starts on the 26th and ends on black friday, the 27th. I must confess to you, if you miss out on this, youve definitely wasted black friday. You can check here for a preview of how Konga is preparing for Yakata 2015.  


2. Jumia Black Friday:

Nigerias No.1 shopping mall, Jumia, brings to you amazing black friday deals on the 27th of November. Items will be sold up to 90% discount. If you have any item youve been targeting and keeping safe in your wishlists, black friday is the day youll finally get to afford it. All you have to do is make sure you logon to the Jumia website on the 27th and add items  to your cart as quickly as possible before they run out of stock. Infinix Hot Note 2 a.k.a Big 6, Innjoo Max 2 and Max 2 Plus (Read review here)  will all be launched for sale exclusively on Jumia Black Friday (Secret = At almost half the price via flash sales ). The good news is you dont have to wait for black friday to start enjoying the discounts, the sale has started for selected items and you can preview and order from here.



3. Aliexpress Black Friday Sales:
 One of the worlds leading online marketplace also brings to you exclusive black friday sales. Just last week, on the 11th, they held the Chinese version of Black Friday and I was lucky to be one of the consumers to buy goods at jaw-dropping prices. If thats anything to go by, Black Friday is definitely going to be bigger and better. One of the advantages of Aliexpress to other foreign online stores is that they offer free shipping for almost 80% of goods you purchase from them. Visit the Aliexpress website now and register, dont miss out on this great opportunity. You can also download the app (check the banner below) so you can even get more discounts and be part of the App exclusive flash sales.


4. Amazon: Their Black friday deals are out of this world! If not for the shipping costs one accrues when shopping with them, theyd have easily topped the list. You can still check the Amazon websiteand check out the amazing deals up for grabs.
5. Gearbest: Gearbest is an online store popularly known for their sales of gadgets. They have already started their Black friday giveaways. Check their website here for more info.

With these 5 stores, Im sure youd have too much on your hands come Black Friday. You can make your choice out of them, but a wise man will target deals from all of them come Black Friday. So what are you waiting for? Visit the websites listed above and sign up for their newsletters so you dont miss out on any of the amazing deals up for grabs. If you need help placing an order on any of the above sites, just send a mail to me via the contact form or Join our BBM channel: C00388F33 and send me a message. Dont forget to share this post with your friends!!

Available link for download