The number of online frauds vary by country. Below is a breakdown of the countries from where the most fraud originates as well as the least. According to ClearCommerce, approximately 6% of all online transactions from such countries as Malaysia and Israel (who are
actually on the bottom of the dirty dozen show below) are fraudulent.

I would add Nigeria to the international dirty dozen, with the help me get my money out of here email scam. It is also known to be one of the major players in the shipping the goods to a freight forwarder to circumvent the international shipping scrutiny. By the way, most of the victims of this scam pay through account debits and wire services.

Top Internet Frauds

Source: Internet Fraud Watch

Please can someone tell me what the Googles URL is? Now do i sound stupid? I really do not think so. Actually that is the kind of questions we are supposed to be answering gladly.

When someone ask me this kind of question, i really would be very glad to answer . This not only because its an obvious answerable question, but its really simple and specific. But when someone goes into the extreme of asking technical questions, such as “What is entreprenuership? or even How do I start a blog?” and expects me to have an answer to such a question. Then I would say that, thats really a stupid question and such a question does not deserve any answer at all. I am not a walking technical dictionary for goodness sake, and it is really, very irritating and a total wastage of bandwidth and time to be answering such a question. Rather than answering irritating questions like this one, I would just scream out the two words “GOOGLE IT”.

I might sound mean, yes, but isnt those kind of questions irritating? The inability to do a little research on a subject of interest, has become a very disturbing attitude common amongst supposedly literate people online nowadays.

And suprisingly this irritating attitude, keeps on repeating itself because of the willingness of the responder to research on behalf of the questionier, and thus the questionier thinks that every person online happens to be a walking dictionary. And with that kind of attitude, we dont really learn much about that subject of interest. I think its about time, that people just start learning to say No to stupid questions, that deserve broad researches.

We do really need to encourage our friends and colleagues to start doing their own research for their own good, before thinking of asking any question in that relation. It does really helps them in learning broadly, and also thus save you the time and bandwidth you are suppose to use in doing something more reasonable and important.

Wouldnt you love to see your friend or colleagues talking and sharing about the technicalities of their subject of interests rather than asking? I guess we all do. And thats really what learning, sharing and contributing ideas of interest is all about, not spoon feeding.

Adventures In God, yes thats what Rev. Oluyomi Adedayo Adegboye, an ordained minister of God began with, in what i would call a new revolution to blogging.

Adventures In God is a blog, mainly tackling issues pertaining to the “new verison of christianity” we have today. This is what he said and i quote that this blog features

my(his) insight into Christianity in a breezy digest for the public good. I hope it helps to shine some light in the dark madness and confusion that prevails in today’s world and in today’s Church.

He didnt end just right there but went far deep inside into the realms of unquestionable questions in the churches today. He answers the questions people dared to ask in Churches. This is what we need, and this is what we should be reading, and trust me, his entries are worth reading, though i am a Muslim, but then i really find it interesting.

So christians out there head straight for Adventures In God for the bible says and i quote

Jhn 8:32 And ye shall know the truth, and the truth shall make you free.

Hum i love cars especially convertibles. My favourite car is the Ferrari Enzo, dont ask me why, because the reason is obvious. Its a ferrari (yes it is prestigious), fast (with a top Speed of 217.5 mph / 350.0 kph), with a power of 492.2 kw / 660.0 bhp at 7800 rpm and not forgetting to mention the unbelievable Torque of 657.0 Nm / 484.6 ft lbs at 5500 rpm (dem), and unique (only for special people like me ).

And please dont tell me your uncle or your dad has one, because only specially selected ferrari customers can purchase it and even you cant keep the car in your garage ( it is maintained by Ferrari and available for the client’s use on various circuits as arranged by Ferrari and also during private track sessions. The car is not expected to be street-legal or suitable for road use.), besides the price tag (a whopping $670 000 USD) , and that means you are either related to Michael Schumacher, Bernd Pischetsrieder, Frits Kroymans, Eric Clapton, Jay Kay, Nick Mason, or Pharrell Williams. heheh are you? i doubt it

Well thats enzo for you. Well i do have one and its located in dreamland, fantasy avenue. heheheh.

Was checking the AutoZine Awards 2005. And guess what was the worst car of the year? I am sure you never heared of it, especially if you are not located in south-east asian region.

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Questions can sometimes be answered with questions, so if I ask myself a question I guess I can be given the chance to answer it with a question. So I ask myself. As a Nigerian, what do I think is the key to the development of the country Nigeria? My answer was, Was I referring to the development of the developed world, like the USA? Where a lot of my fellow country mates are ready to migrate to, at the slightest given opportunity?

Yes I answered myself, but then again, what is the key? I think I should go off topic for a while. A lot of us (*Nigerians) have missed our bearings in relations to what we do really need to become a developed world. We have so much believe in just applying technologies and following patterns and trends from the developed country. We believe so much in the idea of getting technology into the system, and the tendency of leap frogging, but then again, are we really developing? I would say No, in a developed country, everything is quiet balance, in terms of technology vs infrastructure.

What we really need in Nigeria, is infrastructure. We dont need technologies, we dont need investors, they need us. Now you might be thinking what is this guy talking about? Dont be alarmed, by what i just said. Nigeria is not ready for investors.When I look back at all the developing world, like China, where investors are rushing at any slightest opportunity, I do ask myself, Why China? China does not need investors? They have closed their doors for a long time. Now that their doors are slightly open, Investors are streaming in. Why? From what I can tell China has the basic infrastructure plus the resources in terms of human power to satisfy the investor’s dreams.

Now that is really what we need. We have been deceived and misdirected by the GSM and BROADBAND INTERNET implementation in the country, and i think its time we get our bearings right. What we need is basic infrastructure in terms of stable electricity, water supply and good roads. That’s the only three things we need in Nigeria. And that’s what we should ask the government for!

What we should understand as Nigerians is that, when all this three basic amenities are there, Investors would be flocking in, we don’t have to beg them, and besides the investors, we would have the chance to implement all our great ideas that have died due to the lack of these amenities.

From my personal opinion, our leaders have not achieved anything worth writing about yet. Because we don’t have the basic infrastructure and i doubt that they are even thinking in that relation. Yet we are made to believe and think that, we are on the road to development. How can that be? From what i know, Opening a gate without a key, does not lead to legal entry, that is even applicable in the case, of which the gate opens without the key. And how long would we keep on opening the same gate without the correct key?

The key to Nigeria’s development lies around the three basic amenities, Water, Electricity and Good Road, and until we have it, we would always be looking for the right gate, because the gate would never open.

Hum didnt know that my Universities library website was that cool. Well Multimedia University of Malaysia (which is the university where i study) won the 1st prize in the the Malaysian Library Website Competition. The panel of Judges consisted of Mr. Edward Spodick (Hong Kong University of Science & Technology Library), Ms Ruangsri Jullajinda (Chulalongkorn University, Centre of Academic Resources), Ms Debbie Fang Bi-Ling (Tamkang University Library), and The NUS Team National University of Singapore Libraries . Futher informations can be obtained here http://asia.elsevier.com/htmlmailings/Special-Issues/websiteresults.htm#Prizes .

Congratulations CITS (Center of Information Technology Services ) for a job well done. By the way you guys really need to work on the main university site, it kinda sucks, compare to the previous one

Hum this is what i got today when i tried listening to lauchcast radio.

Now does it mean i have to pay this month to continue listening i wondered.

So I clicked on the “What do i get now?” link.

Now this is what they said

You can listen to 600 songs per month for free without any special restrictions. After 600 songs in a month, if you still want to listen to the free service, you’ll experience the following restrictions:

You can bypass all of these restrictions with LAUNCHcast Plus.

Hell nah i aint paying $2.50 a month to listen to a radio, besides i can just stick to my collection, i just use yahoo launchast when i was something different . But i dont customize nor really use the skip stuff, besides the low(mono) audio quality i wonder how its gonna sound. Well i had to check it out. So I clicked on the “continue on the limits” link.

Well there it went starting with the “Nuthin’ But a ‘G’ Thang” by Dr. Dre & Snoop Dogg. Well it didnt sound bad well Thank you yahoo for allowing me to continue enjoying the free stuff, because i got no dime for your bank account hehehe

Yes Heart And Soul. I would be updating this section weekly with atleast a minimum of three relationship related problems from a section of a local newspaper. I dont really think i need permission for that, because this is just for fun. This is for you guys and ladies out there to learn from the advise given by the professional. Today, i would post 4 problems and the response from Thelma who happens to be the love doctor.

I do not give any warraty on accuracy, usefullness, fitness of any particular purpose or other assurances as to the opinions and views of the section. Its just an interesting Sunday Section and i taught it would be nice if i could share on my blog.

I was in the write post section of this blog in the admin area, and i was just thinking, what is it that I could blog about today, that might be a little bit, different , something about me, or something about what I was using, I couldn’t really think of anything,
suddenly the alarm of my clock, started blinking, breakfast time I supposed, looked at the time by the watch and it was 8:00am . Of course , I could blog about my wrist watch I taught, and here we go.

I am actually not really a fan of wrist watches, but I happen to have quite a few in my possession. Although they are more of a fashion equipment to me, rather than a time keeping instrument, because most of the time I just peak at my cell phones screen to check the time. I think I am more used to that. My favorite watch is a Casual Classic Black Watch with a Metal Band and Full LCD Ana-Digi Display (Casio Brand) So what is really the capability of this Casual Classic Watch.

Well I can point to one particular feature I like about it, I don’t have to look for illumination for me to check the time by my watch at night , The illumination is automated once I change the degrees of my hand to a wrist watch glancing mode, and auto switches off automatically after I reposition my hands. Quite cool han ? yes I know. But by its manual there is a lot of crap, which most of them I really do not understand up till now. Told yeah not really a fan, but its just more a fashion stuff. Well if you are really curious of the features below is the specification, and by the way you could take a proper look at it

HERE

When it comes to credit card transactions or other transactions that involves the use of some third party payment methods a lot of policies are really questionable especially in an environment victimized by a lot of fraudulent activities. Why raise the issue? You might ask, it’s not something worth talking about you might emphasize. But I would say why not raise it? Nigerians are going to be issued credit cards!!! Do you know what that means?

Well I am not saying that it would be that easy for you to get that credit card or they shouldn’t be issued, because i am sure the banks are working towards ensuring that those credit cards are very difficult to obtain, through some specially crafted requirements for such an environment that is Nigeria that is. But the question I would like to ask is what about the merchants? You and me? Yes the merchants!!
Are they protected the same way? How does things like verification provides a secured and safe transaction in instances where the owner still has his card and you are offering real-time services??, or in the other case you have already shipped the item after verifying the validity of the card? What about chargeback policies, how merchant friendly are they?

Now all this questions? I keep asking a lot of people, but up till now I really have not gotten a very helpful answer even from a friend that works with interswitch Nigeria! Many of Nigerians, as in the elites or even the aspiring ones who would like to use credit cards in the future for transactions tend to not understand those policies and in fact the poor Nigerian merchant that would probably be the victim?

As a merchant, why are you in trouble or likely to be a victim of great loss. One reason mainly because all your transactions are subjected to tight rules governed by chargeback policies. Ah I forgot to mention what chargeback’s are.

A Chargeback is a payment dispute initiated by the cardholder with their credit card issuing bank. The amount of the disputed transaction is immediately withdrawn from the merchant’s bank account, and the merchant can dispute the chargeback with proof of purchase, signature, proof of delivery, etc. A chargeback fee is usually assessed to the merchant on top of the actual transaction. That is actually besides the fine the Credit companies actually charge the merchant after reaching a certain limit of having chargeback’s besides even the likelihood of losing their merchant license.

Now the duration within which a chargeback can be called for is? 60 days! Surprised yes averagely 2 months, in which the cardholder can get his or her money back. And also not forgetting the 1 month after the shipment rule, which means after you have actually shipped the product, you as a merchant, have to pay back the cardholder if the product was not delivered to the card holder.

Back to the main issue in question, what is really the problem? Stolen unreported credit cards! You might say it’s the credit cards or the issuer’s problem, but the real truth is, it is your fault as a merchant!! Says the law that governs merchant accounts!

So why should I accept Nigerian issued credit cards? One thing to know is that although Nigerian Police can be very helpful, when it comes to fake shipment addresses what happens to you? And why should the merchant go through all the hassles? So can the credit card really be of much use? If you ask me for my honest opinion all i would say is “Lets just stick to our Bank-In or Bank Transfer Method” or maybe merchants can use the “Ship Only to Billing Address”, that is minimizing the usage of the card itself. But apart from that i would say I leave it to you guys to answer.