E- banking income, three banks generate N37bn in 2015
With the Central Bank of Nigeria’s policy on Commission on Turnover (CoT) phased out, Deposit Money Banks (DMBs) in the country have leveraged on income generation using electronic banking.
For instance, three DMBs in 2015 financial year generated N37 billion, over 89 per cent or N17 billion (N19.6 billion in 2014) through the deployment of innovative electronic banking platforms that has aided ease electronic banking.
Details gathered by Business247 revealed that Guaranty Trust Bank Plc (GTBank) in the year under review recorded a growth of 221 per cent in e-business income from N5.2 billion in 2014 to N16.6 billion in 2015.
United Bank for Africa Plc (UBA) e-banking related income stood at N17.2 billion in 2015, 46 per cent above N11.76 billion generated in 2014.
Of the N37 billion generated by the three DMBs in 2015, Zenith Bank contributed 8.8 per cent when its e-banking income stood at N3.26 billion in 2015 from N2.7 billion the prior year.
In the plan to phase out CoT, the CBN had specifically directed all banks to reduce CoT from its current rate of N3/mille in 2013 to N2/mille by 2014m and N1/mille by 2015.
The regulatory body policy on CoT has continued to eroded banks fees and commission income, forcing banks to derived income generation through e-Banking.
The Chairman of UBA Plc, Mr. Tony Elumelu at the bank’s Annual General Meeting in Lagos this year said new economy based on mobile devices was emerging, as Africa represents the largest internet user base in the world, which continues to grow at a very rapid pace.
According to him, “We are seeing the increasing emergence of new technology-based businesses, driven by entrepreneurs who are capitalizing on the opportunities of this new digital, mobile world.
“In addition, increased transaction banking income compensated for the regulatory-induced weaknesses in CoT. More importantly, our Bank managed its cost through the year, thus preserving bottom-line earnings to deliver a profit before tax of N68.5 billion, which translates to 21 per cent growth over our performance in 2014,” Elumelu added.
Also speaking to shareholders at the AGM, The Group Managing Director/Chief Executive Officer, UBA Plc, Mr. Phillips Oduoza noted that the bank has been pursuing a strong innovation agenda, driven by a desire to shape the future of banking.
In his words, “We recognize that evolving customer behaviours as well as the rising usage of social media and smart devices are rapidly changing the way banking is done.
During the year, we launched a redesigned and intuitive internet banking website and new mobile website. Together with our comprehensive mobile banking application, ‘UMobile’, these platforms are seeing robust growth in transactions. We also launched a contactless, ‘Tap n pay’ card payment solution, which enables customers to imply tap their cards for quicker payment transactions.
“We have a strong presence in social media through banking on facebook, which we further strengthened by becoming the first bank in Nigeria to introduce banking alert services on Twitter.
He added that UBA has invested in corporate Internet and mobile banking platforms to improve customer experience and to provide value-added solutions to the Corporate, Commercial and Public sector.
On his own part, the Managing Director/CEO, GTBank, Mr. Segun Agbaje at the Bank’s AGM in Lagos, said the bank has recorded tremendous growth rates in customer adoption of digital services.
He said that GTBank would continue to be a bank of choice for digitally savvy customers.
He said, “Understanding that customers are always on the move; mobile banking puts us in the palm of our customers and provides a unique opportunity to offer quick and more efficient ways of providing banking services.
“Thus, we extended our mobile banking offering with the introduction of the 737 banking; a platform that allows customers transfer funds from, any bank in Nigeria, buy airtime, pay bills, link their BVN, and check account balances using their mobile devices.
“The 737 banking platforms provide us with an array of endless opportunities tp partner with stakeholders, drive customers interactions and improve efficiency.”
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Hey! I know this is kinda off topic however I’d figured I’d ask. Would you be interested in exchanging links or maybe guest authoring a blog post or vice-versa? My blog addresses a lot of the same topics as yours and I feel we could greatly benefit from each other. If you’re interested feel free to shoot me an email. I look forward to hearing from you! Superb blog by the way!
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My coder is trying to convince me to move to .net from PHP. I have always disliked the idea because of the expenses. But he’s tryiong none the less. I’ve been using Movable-type on various websites for about a year and am worried about switching to another platform. I have heard good things about blogengine.net. Is there a way I can import all my wordpress posts into it? Any help would be really appreciated!
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I am really enjoying the theme/design of your web site. Do you ever run into any web browser compatibility problems? A small number of my blog audience have complained about my site not working correctly in Explorer but looks great in Chrome. Do you have any ideas to help fix this problem?
Hey! Quick question that’s completely off topic. Do you know how to make your site mobile friendly? My web site looks weird when browsing from my iphone4. I’m trying to find a theme or plugin that might be able to fix this issue. If you have any suggestions, please share. Thanks!
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Hey there are using WordPress for your blog platform? I’m new to the blog world but I’m trying to get started and create my own. Do you need any html coding expertise to make your own blog? Any help would be greatly appreciated!
Howdy! I know this is sort of off-topic but I needed to ask. Does building a well-established website such as yours take a massive amount work? I’m completely new to writing a blog but I do write in my journal on a daily basis. I’d like to start a blog so I can easily share my personal experience and views online. Please let me know if you have any recommendations or tips for brand new aspiring bloggers. Appreciate it!
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When I originally commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get several emails with the same comment. Is there any way you can remove people from that service? Thanks!
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Hey I know this is off topic but I was wondering if you knew of any widgets I could add to my blog that automatically tweet my newest twitter updates. I’ve been looking for a plug-in like this for quite some time and was hoping maybe you would have some experience with something like this. Please let me know if you run into anything. I truly enjoy reading your blog and I look forward to your new updates.
Hi, i read your blog occasionally and i own a similar one and i was just wondering if you get a lot of spam feedback? If so how do you stop it, any plugin or anything you can suggest? I get so much lately it’s driving me crazy so any assistance is very much appreciated.
Hey! I know this is somewhat off topic but I was wondering if you knew where I could find a captcha plugin for my comment form? I’m using the same blog platform as yours and I’m having difficulty finding one? Thanks a lot!
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I am curious to find out what blog platform you are using? I’m having some minor security problems with my latest blog and I’d like to find something more safeguarded. Do you have any suggestions?
Hi! I know this is kinda off topic however I’d figured I’d ask. Would you be interested in trading links or maybe guest writing a blog post or vice-versa? My site addresses a lot of the same subjects as yours and I feel we could greatly benefit from each other. If you might be interested feel free to shoot me an email. I look forward to hearing from you! Terrific blog by the way!
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I’m not sure why but this blog is loading incredibly slow for me. Is anyone else having this problem or is it a problem on my end? I’ll check back later on and see if the problem still exists.
At this time it appears like Expression Engine is the best blogging platform available right now. (from what I’ve read) Is that what you are using on your blog?
Hi! I just wanted to ask if you ever have any issues with hackers? My last blog (wordpress) was hacked and I ended up losing many months of hard work due to no data backup. Do you have any solutions to prevent hackers?
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Hi there! I just wanted to ask if you ever have any trouble with hackers? My last blog (wordpress) was hacked and I ended up losing several weeks of hard work due to no data backup. Do you have any methods to stop hackers?
Hmm it appears like your site ate my first comment (it was super long) so I guess I’ll just sum it up what I wrote and say, I’m thoroughly enjoying your blog. I too am an aspiring blog writer but I’m still new to everything. Do you have any helpful hints for inexperienced blog writers? I’d certainly appreciate it.
I’m not sure why but this blog is loading very slow for me. Is anyone else having this problem or is it a issue on my end? I’ll check back later on and see if the problem still exists.
Hello there! This is my first visit to your blog! We are a team of volunteers and starting a new project in a community in the same niche. Your blog provided us useful information to work on. You have done a wonderful job!
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I’m really enjoying the theme/design of your weblog. Do you ever run into any internet browser compatibility problems? A couple of my blog audience have complained about my blog not working correctly in Explorer but looks great in Firefox. Do you have any tips to help fix this problem?
Please let me know if you’re looking for a author for your site. You have some really good posts and I feel I would be a good asset. If you ever want to take some of the load off, I’d love to write some articles for your blog in exchange for a link back to mine. Please blast me an email if interested. Kudos!
With havin so much written content do you ever run into any problems of plagorism or copyright infringement? My blog has a lot of exclusive content I’ve either created myself or outsourced but it seems a lot of it is popping it up all over the web without my agreement. Do you know any methods to help reduce content from being ripped off? I’d really appreciate it.
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I’m really enjoying the theme/design of your website. Do you ever run into any web browser compatibility problems? A handful of my blog audience have complained about my website not working correctly in Explorer but looks great in Opera. Do you have any solutions to help fix this problem?
First of all I would like to say fantastic blog! I had a quick question that I’d like to ask if you do not mind. I was interested to know how you center yourself and clear your mind before writing. I’ve had difficulty clearing my mind in getting my thoughts out. I do enjoy writing however it just seems like the first 10 to 15 minutes are generally lost just trying to figure out how to begin. Any suggestions or tips? Many thanks!
Have you ever considered publishing an ebook or guest authoring on other blogs? I have a blog based on the same topics you discuss and would love to have you share some stories/information. I know my subscribers would enjoy your work. If you’re even remotely interested, feel free to shoot me an e mail.
Do you have a spam issue on this website; I also am a blogger, and I was wanting to know your situation; we have created some nice methods and we are looking to trade methods with others, please shoot me an email if interested.
Today, I went to the beach front with my kids. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She put the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is entirely off topic but I had to tell someone!
I was wondering if you ever thought of changing the page layout of your site? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having one or 2 images. Maybe you could space it out better?
I am really enjoying the theme/design of your web site. Do you ever run into any web browser compatibility problems? A number of my blog visitors have complained about my site not working correctly in Explorer but looks great in Safari. Do you have any tips to help fix this issue?
Yesterday, while I was at work, my cousin stole my apple ipad and tested to see if it can survive a 40 foot drop, just so she can be a youtube sensation. My iPad is now broken and she has 83 views. I know this is completely off topic but I had to share it with someone!
Today, I went to the beachfront with my kids. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She placed the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is entirely off topic but I had to tell someone!
I do not know whether it’s just me or if everyone else encountering problems with your blog. It appears as though some of the text within your content are running off the screen. Can someone else please comment and let me know if this is happening to them as well? This could be a problem with my web browser because I’ve had this happen before. Thanks
I love your blog.. very nice colors & theme. Did you design this website yourself or did you hire someone to do it for you? Plz respond as I’m looking to design my own blog and would like to find out where u got this from. thanks a lot
Howdy! I know this is kind of off-topic however I had to ask. Does managing a well-established blog like yours require a massive amount work? I am completely new to operating a blog but I do write in my journal every day. I’d like to start a blog so I will be able to share my personal experience and views online. Please let me know if you have any recommendations or tips for brand new aspiring blog owners. Appreciate it!
I know this if off topic but I’m looking into starting my own blog and was wondering what all is needed to get set up? I’m assuming having a blog like yours would cost a pretty penny? I’m not very internet smart so I’m not 100% positive. Any suggestions or advice would be greatly appreciated. Thanks
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Hello are using WordPress for your blog platform? I’m new to the blog world but I’m trying to get started and set up my own. Do you need any html coding knowledge to make your own blog? Any help would be really appreciated!
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Hi, i read your blog occasionally and i own a similar one and i was just wondering if you get a lot of spam remarks? If so how do you stop it, any plugin or anything you can suggest? I get so much lately it’s driving me crazy so any help is very much appreciated.
Hi! This is kind of off topic but I need some guidance from an established blog. Is it very difficult to set up your own blog? I’m not very techincal but I can figure things out pretty quick. I’m thinking about setting up my own but I’m not sure where to start. Do you have any tips or suggestions? Thank you
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I am really loving the theme/design of your web site. Do you ever run into any web browser compatibility issues? A handful of my blog readers have complained about my blog not working correctly in Explorer but looks great in Opera. Do you have any recommendations to help fix this problem?
Hello excellent blog! Does running a blog similar to this take a great deal of work? I’ve very little expertise in programming however I had been hoping to start my own blog soon. Anyway, should you have any suggestions or techniques for new blog owners please share. I understand this is off topic nevertheless I just wanted to ask. Thank you!
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I was curious if you ever considered changing the layout of your blog? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having one or 2 pictures. Maybe you could space it out better?
Awesome blog! Do you have any helpful hints for aspiring writers? I’m planning to start my own website soon but I’m a little lost on everything. Would you advise starting with a free platform like WordPress or go for a paid option? There are so many choices out there that I’m completely confused .. Any suggestions? Bless you!
I don’t know if it’s just me or if everybody else encountering issues with your blog. It looks like some of the text in your posts are running off the screen. Can somebody else please comment and let me know if this is happening to them as well? This might be a issue with my web browser because I’ve had this happen previously. Appreciate it
Hmm is anyone else experiencing problems with the pictures on this blog loading? I’m trying to find out if its a problem on my end or if it’s the blog. Any feed-back would be greatly appreciated.
Good day! This is kind of off topic but I need some help from an established blog. Is it very difficult to set up your own blog? I’m not very techincal but I can figure things out pretty quick. I’m thinking about setting up my own but I’m not sure where to begin. Do you have any ideas or suggestions? Cheers
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Howdy! Quick question that’s totally off topic. Do you know how to make your site mobile friendly? My blog looks weird when viewing from my iphone. I’m trying to find a theme or plugin that might be able to fix this issue. If you have any suggestions, please share. Thank you!
Does your site have a contact page? I’m having problems locating it but, I’d like to send you an e-mail. I’ve got some ideas for your blog you might be interested in hearing. Either way, great blog and I look forward to seeing it improve over time.
Today, while I was at work, my cousin stole my apple ipad and tested to see if it can survive a 25 foot drop, just so she can be a youtube sensation. My iPad is now broken and she has 83 views. I know this is entirely off topic but I had to share it with someone!
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Do you have a spam issue on this site; I also am a blogger, and I was wondering your situation; we have developed some nice procedures and we are looking to swap solutions with others, please shoot me an e-mail if interested.
First off I want to say fantastic blog! I had a quick question that I’d like to ask if you don’t mind. I was curious to find out how you center yourself and clear your thoughts before writing. I’ve had a tough time clearing my mind in getting my thoughts out. I truly do enjoy writing however it just seems like the first 10 to 15 minutes are generally wasted just trying to figure out how to begin. Any suggestions or hints? Kudos!
Great blog! Is your theme custom made or did you download it from somewhere? A design like yours with a few simple tweeks would really make my blog jump out. Please let me know where you got your design. Cheers
Hi there, i read your blog occasionally and i own a similar one and i was just wondering if you get a lot of spam remarks? If so how do you reduce it, any plugin or anything you can recommend? I get so much lately it’s driving me insane so any help is very much appreciated.
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When I initially commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get three e-mails with the same comment. Is there any way you can remove me from that service? Thanks a lot!
Does your website have a contact page? I’m having trouble locating it but, I’d like to shoot you an e-mail. I’ve got some suggestions for your blog you might be interested in hearing. Either way, great site and I look forward to seeing it grow over time.
Wow that was unusual. I just wrote an incredibly long comment but after I clicked submit my comment didn’t show up. Grrrr… well I’m not writing all that over again. Regardless, just wanted to say fantastic blog!
Hi! Quick question that’s totally off topic. Do you know how to make your site mobile friendly? My web site looks weird when browsing from my iphone. I’m trying to find a theme or plugin that might be able to resolve this problem. If you have any recommendations, please share. Cheers!
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I’m not sure exactly why but this blog is loading very slow for me. Is anyone else having this issue or is it a problem on my end? I’ll check back later on and see if the problem still exists.
Hey there! I could have sworn I’ve been to this blog before but after checking through some of the post I realized it’s new to me. Anyways, I’m definitely happy I found it and I’ll be book-marking and checking back often!
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Hey! This is my first visit to your blog! We are a collection of volunteers and starting a new project in a community in the same niche. Your blog provided us useful information to work on. You have done a outstanding job!
Hiya! I know this is kinda off topic but I’d figured I’d ask. Would you be interested in exchanging links or maybe guest authoring a blog article or vice-versa? My site covers a lot of the same topics as yours and I think we could greatly benefit from each other. If you might be interested feel free to shoot me an e-mail. I look forward to hearing from you! Fantastic blog by the way!
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Hello there! I know this is kinda off topic however , I’d figured I’d ask. Would you be interested in trading links or maybe guest authoring a blog article or vice-versa? My site discusses a lot of the same subjects as yours and I think we could greatly benefit from each other. If you are interested feel free to shoot me an e-mail. I look forward to hearing from you! Fantastic blog by the way!
Hey just wanted to give you a quick heads up. The text in your content seem to be running off the screen in Chrome. I’m not sure if this is a formatting issue or something to do with browser compatibility but I thought I’d post to let you know. The design look great though! Hope you get the problem solved soon. Kudos
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Whats up are using WordPress for your site platform? I’m new to the blog world but I’m trying to get started and set up my own. Do you need any html coding expertise to make your own blog? Any help would be really appreciated!
Hmm it seems like your site ate my first comment (it was super long) so I guess I’ll just sum it up what I submitted and say, I’m thoroughly enjoying your blog. I too am an aspiring blog writer but I’m still new to everything. Do you have any recommendations for beginner blog writers? I’d certainly appreciate it.
Hi there! This is kind of off topic but I need some guidance from an established blog. Is it hard to set up your own blog? I’m not very techincal but I can figure things out pretty fast. I’m thinking about creating my own but I’m not sure where to start. Do you have any ideas or suggestions? Appreciate it
With havin so much written content do you ever run into any issues of plagorism or copyright infringement? My site has a lot of completely unique content I’ve either authored myself or outsourced but it appears a lot of it is popping it up all over the internet without my authorization. Do you know any methods to help stop content from being stolen? I’d genuinely appreciate it.
The other day, while I was at work, my sister stole my iPad and tested to see if it can survive a 25 foot drop, just so she can be a youtube sensation. My apple ipad is now destroyed and she has 83 views. I know this is completely off topic but I had to share it with someone!
Hey! Someone in my Myspace group shared this site with us so I came to check it out. I’m definitely enjoying the information. I’m book-marking and will be tweeting this to my followers! Terrific blog and excellent style and design.
Today, I went to the beachfront with my children. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She placed the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is completely off topic but I had to tell someone!
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Hi there this is somewhat of off topic but I was wanting to know if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding knowledge so I wanted to get guidance from someone with experience. Any help would be greatly appreciated!
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Howdy would you mind stating which blog platform you’re using? I’m going to start my own blog in the near future but I’m having a difficult time making a decision between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your layout seems different then most blogs and I’m looking for something completely unique. P.S Apologies for being off-topic but I had to ask!
I know this if off topic but I’m looking into starting my own blog and was wondering what all is needed to get setup? I’m assuming having a blog like yours would cost a pretty penny? I’m not very internet smart so I’m not 100% positive. Any tips or advice would be greatly appreciated. Thanks
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I was curious if you ever thought of changing the layout of your site? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having 1 or 2 images. Maybe you could space it out better?
I do not know whether it’s just me or if everybody else experiencing issues with your website. It appears as though some of the written text on your posts are running off the screen. Can someone else please comment and let me know if this is happening to them too? This could be a issue with my browser because I’ve had this happen previously. Many thanks
Today, I went to the beach with my children. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She put the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is completely off topic but I had to tell someone!
I’m really enjoying the design and layout of your blog. It’s a very easy on the eyes which makes it much more pleasant for me to come here and visit more often. Did you hire out a designer to create your theme? Exceptional work!
Great site you have here but I was curious if you knew of any user discussion forums that cover the same topics discussed in this article? I’d really love to be a part of community where I can get comments from other experienced individuals that share the same interest. If you have any recommendations, please let me know. Cheers!
I do not know whether it’s just me or if everybody else encountering issues with your blog. It appears as though some of the text in your posts are running off the screen. Can somebody else please provide feedback and let me know if this is happening to them too? This might be a problem with my web browser because I’ve had this happen previously. Many thanks
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Have you ever thought about creating an e-book or guest authoring on other blogs? I have a blog based upon on the same topics you discuss and would love to have you share some stories/information. I know my audience would value your work. If you’re even remotely interested, feel free to send me an e mail.
Hello there! Quick question that’s entirely off topic. Do you know how to make your site mobile friendly? My weblog looks weird when viewing from my apple iphone. I’m trying to find a template or plugin that might be able to correct this issue. If you have any recommendations, please share. With thanks!
Hello! I know this is kind of off-topic however I needed to ask. Does managing a well-established blog such as yours require a lot of work? I’m completely new to blogging but I do write in my journal on a daily basis. I’d like to start a blog so I can easily share my experience and thoughts online. Please let me know if you have any kind of suggestions or tips for new aspiring bloggers. Appreciate it!
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Please let me know if you’re looking for a article writer for your weblog. You have some really great posts and I believe I would be a good asset. If you ever want to take some of the load off, I’d love to write some material for your blog in exchange for a link back to mine. Please blast me an e-mail if interested. Many thanks!
Hi there! I know this is somewhat off topic but I was wondering which blog platform are you using for this site? I’m getting sick and tired of WordPress because I’ve had issues with hackers and I’m looking at options for another platform. I would be great if you could point me in the direction of a good platform.
Heya! I know this is kind of off-topic however I needed to ask. Does building a well-established website such as yours require a massive amount work? I’m brand new to running a blog however I do write in my diary daily. I’d like to start a blog so I can easily share my experience and feelings online. Please let me know if you have any kind of recommendations or tips for brand new aspiring blog owners. Appreciate it!
I am curious to find out what blog system you’re working with? I’m experiencing some small security issues with my latest website and I’d like to find something more safe. Do you have any solutions?
My developer is trying to convince me to move to .net from PHP. I have always disliked the idea because of the costs. But he’s tryiong none the less. I’ve been using Movable-type on a variety of websites for about a year and am concerned about switching to another platform. I have heard fantastic things about blogengine.net. Is there a way I can import all my wordpress posts into it? Any help would be greatly appreciated!
Hi! I just wanted to ask if you ever have any trouble with hackers? My last blog (wordpress) was hacked and I ended up losing months of hard work due to no data backup. Do you have any methods to stop hackers?
When I initially commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get several e-mails with the same comment. Is there any way you can remove people from that service? Bless you!
Admiring the time and energy you put into your blog and detailed information you offer. It’s awesome to come across a blog every once in a while that isn’t the same old rehashed information. Great read! I’ve saved your site and I’m including your RSS feeds to my Google account.
Whats up are using WordPress for your site platform? I’m new to the blog world but I’m trying to get started and set up my own. Do you need any html coding expertise to make your own blog? Any help would be really appreciated!
Good post, do you have any others on this topic?
I was very encouraged to find this site. I wanted to thank you for this special read. I definitely savored every little bit of it and I have you bookmarked to check out new stuff you post. http://www.homedecorated.net
Wow that was odd. I just wrote an really long comment but after I clicked submit my comment didn’t appear. Grrrr… well I’m not writing all that over again. Regardless, just wanted to say fantastic blog!
Have you ever thought about creating an ebook or guest authoring on other websites? I have a blog based upon on the same subjects you discuss and would really like to have you share some stories/information. I know my viewers would appreciate your work. If you are even remotely interested, feel free to shoot me an e-mail.
Hi there great blog! Does running a blog similar to this require a great deal of work? I’ve very little knowledge of computer programming however I had been hoping to start my own blog in the near future. Anyway, if you have any ideas or tips for new blog owners please share. I understand this is off subject nevertheless I simply had to ask. Thank you!
Hi this is kinda of off topic but I was wondering if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding skills so I wanted to get guidance from someone with experience. Any help would be greatly appreciated!
Have you ever considered publishing an e-book or guest authoring on other websites? I have a blog based upon on the same subjects you discuss and would love to have you share some stories/information. I know my subscribers would appreciate your work. If you are even remotely interested, feel free to shoot me an email.
Hello just wanted to give you a quick heads up. The words in your post seem to be running off the screen in Chrome. I’m not sure if this is a formatting issue or something to do with internet browser compatibility but I figured I’d post to let you know. The layout look great though! Hope you get the problem resolved soon. Kudos
Hey there! I’ve been following your blog for a while now and finally got the bravery to go ahead and give you a shout out from Porter Texas! Just wanted to tell you keep up the good work!
Fantastic blog! Do you have any hints for aspiring writers? I’m hoping to start my own site soon but I’m a little lost on everything. Would you propose starting with a free platform like WordPress or go for a paid option? There are so many choices out there that I’m totally overwhelmed .. Any ideas? Thanks!
I absolutely love your blog and find a lot of your post’s to be exactly I’m looking for. Would you offer guest writers to write content to suit your needs? I wouldn’t mind composing a post or elaborating on a number of the subjects you write about here. Again, awesome blog!
Wonderful blog! I found it while searching on Yahoo News. Do you have any suggestions on how to get listed in Yahoo News? I’ve been trying for a while but I never seem to get there! Thanks
My partner and I stumbled over here different web address and thought I might check things out. I like what I see so i am just following you. Look forward to going over your web page repeatedly.
Hello! Do you use Twitter? I’d like to follow you if that would be ok. I’m undoubtedly enjoying your blog and look forward to new updates.
Greetings! This is my 1st comment here so I just wanted to give a quick shout out and say I truly enjoy reading through your articles. Can you recommend any other blogs/websites/forums that go over the same subjects? Thanks a lot!
I don’t know whether it’s just me or if perhaps everyone else experiencing issues with your blog. It appears as though some of the text on your posts are running off the screen. Can somebody else please comment and let me know if this is happening to them as well? This could be a issue with my browser because I’ve had this happen previously. Many thanks
I love your blog.. very nice colors & theme. Did you create this website yourself or did you hire someone to do it for you? Plz respond as I’m looking to construct my own blog and would like to know where u got this from. appreciate it
Hmm it appears like your blog ate my first comment (it was super long) so I guess I’ll just sum it up what I had written and say, I’m thoroughly enjoying your blog. I as well am an aspiring blog blogger but I’m still new to the whole thing. Do you have any recommendations for beginner blog writers? I’d certainly appreciate it.
Hey there! I’m at work browsing your blog from my new apple iphone! Just wanted to say I love reading through your blog and look forward to all your posts! Carry on the great work!
At this time it sounds like Drupal is the top blogging platform out there right now. (from what I’ve read) Is that what you’re using on your blog?
Cool blog! Is your theme custom made or did you download it from somewhere? A design like yours with a few simple tweeks would really make my blog shine. Please let me know where you got your design. Thank you
Today, I went to the beach front with my children. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She placed the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is completely off topic but I had to tell someone!
Howdy! Someone in my Facebook group shared this website with us so I came to give it a look. I’m definitely enjoying the information. I’m book-marking and will be tweeting this to my followers! Wonderful blog and outstanding design and style.
I don’t know whether it’s just me or if perhaps everyone else experiencing problems with your site. It looks like some of the written text in your content are running off the screen. Can somebody else please comment and let me know if this is happening to them as well? This could be a problem with my internet browser because I’ve had this happen previously. Many thanks
Greetings from California! I’m bored to death at work so I decided to browse your website on my iphone during lunch break. I really like the information you present here and can’t wait to take a look when I get home. I’m surprised at how fast your blog loaded on my mobile .. I’m not even using WIFI, just 3G .. Anyhow, great blog!
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Greetings from Colorado! I’m bored to tears at work so I decided to browse your blog on my iphone during lunch break. I enjoy the information you provide here and can’t wait to take a look when I get home. I’m surprised at how fast your blog loaded on my phone .. I’m not even using WIFI, just 3G .. Anyhow, good site!
I’m truly enjoying the design and layout of your website. It’s a very easy on the eyes which makes it much more enjoyable for me to come here and visit more often. Did you hire out a designer to create your theme? Excellent work!
Hello there! Do you know if they make any plugins to safeguard against hackers? I’m kinda paranoid about losing everything I’ve worked hard on. Any tips?
Wow! This blog looks just like my old one! It’s on a totally different topic but it has pretty much the same layout and design. Outstanding choice of colors!
Good day! Would you mind if I share your blog with my twitter group? There’s a lot of folks that I think would really appreciate your content. Please let me know. Many thanks
Hi, I think your website might be having browser compatibility issues. When I look at your blog site in Firefox, it looks fine but when opening in Internet Explorer, it has some overlapping. I just wanted to give you a quick heads up! Other then that, excellent blog!
Hey there this is kinda of off topic but I was wondering if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding know-how so I wanted to get advice from someone with experience. Any help would be greatly appreciated!
I’m not sure exactly why but this website is loading very slow for me. Is anyone else having this problem or is it a problem on my end? I’ll check back later on and see if the problem still exists.
Do you mind if I quote a couple of your posts as long as I provide credit and sources back to your blog? My website is in the exact same area of interest as yours and my visitors would really benefit from some of the information you present here. Please let me know if this ok with you. Thank you!
I’m really enjoying the theme/design of your web site. Do you ever run into any web browser compatibility issues? A number of my blog readers have complained about my site not operating correctly in Explorer but looks great in Safari. Do you have any tips to help fix this issue?
Hey there just wanted to give you a quick heads up. The words in your post seem to be running off the screen in Firefox. I’m not sure if this is a formatting issue or something to do with web browser compatibility but I thought I’d post to let you know. The style and design look great though! Hope you get the problem fixed soon. Kudos
Hey there! Someone in my Facebook group shared this site with us so I came to look it over. I’m definitely loving the information. I’m bookmarking and will be tweeting this to my followers! Wonderful blog and fantastic design.
Hi there! I realize this is sort of off-topic however I needed to ask. Does running a well-established website such as yours take a massive amount work? I’m brand new to blogging however I do write in my diary on a daily basis. I’d like to start a blog so I can easily share my personal experience and feelings online. Please let me know if you have any ideas or tips for new aspiring bloggers. Thankyou!
Hmm is anyone else having problems with the pictures on this blog loading? I’m trying to find out if its a problem on my end or if it’s the blog. Any suggestions would be greatly appreciated.
Hello there! I know this is kinda off topic however I’d figured I’d ask. Would you be interested in exchanging links or maybe guest authoring a blog post or vice-versa? My blog goes over a lot of the same subjects as yours and I believe we could greatly benefit from each other. If you are interested feel free to shoot me an email. I look forward to hearing from you! Superb blog by the way!
Today, I went to the beachfront with my kids. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She put the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is entirely off topic but I had to tell someone!
Hello there! This is kind of off topic but I need some advice from an established blog. Is it very difficult to set up your own blog? I’m not very techincal but I can figure things out pretty quick. I’m thinking about setting up my own but I’m not sure where to begin. Do you have any tips or suggestions? Many thanks
Hmm it looks like your site ate my first comment (it was super long) so I guess I’ll just sum it up what I submitted and say, I’m thoroughly enjoying your blog. I too am an aspiring blog blogger but I’m still new to everything. Do you have any helpful hints for beginner blog writers? I’d definitely appreciate it.
Hmm is anyone else experiencing problems with the images on this blog loading? I’m trying to find out if its a problem on my end or if it’s the blog. Any suggestions would be greatly appreciated.
Hmm is anyone else encountering problems with the images on this blog loading? I’m trying to determine if its a problem on my end or if it’s the blog. Any responses would be greatly appreciated.
I’m truly enjoying the design and layout of your blog. It’s a very easy on the eyes which makes it much more enjoyable for me to come here and visit more often. Did you hire out a designer to create your theme? Outstanding work!
Hi! This is kind of off topic but I need some help from an established blog. Is it hard to set up your own blog? I’m not very techincal but I can figure things out pretty quick. I’m thinking about making my own but I’m not sure where to start. Do you have any tips or suggestions? Appreciate it
I enjoy what you guys tend to be up too. Such clever work and exposure! Keep up the terrific works guys I’ve included you guys to our blogroll.
Have you ever thought about including a little bit more than just your articles? I mean, what you say is important and everything. But think of if you added some great images or video clips to give your posts more, “pop”! Your content is excellent but with pics and clips, this website could certainly be one of the best in its niche. Superb blog!
I was wondering if you ever thought of changing the layout of your website? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having 1 or two pictures. Maybe you could space it out better?
Hi there this is somewhat of off topic but I was wanting to know if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding knowledge so I wanted to get guidance from someone with experience. Any help would be enormously appreciated!
Have you ever thought about publishing an ebook or guest authoring on other websites? I have a blog based upon on the same ideas you discuss and would love to have you share some stories/information. I know my subscribers would value your work. If you are even remotely interested, feel free to shoot me an e-mail.
Hiya! Quick question that’s completely off topic. Do you know how to make your site mobile friendly? My blog looks weird when browsing from my iphone4. I’m trying to find a theme or plugin that might be able to correct this issue. If you have any recommendations, please share. Cheers!
Hi there! I just wanted to ask if you ever have any issues with hackers? My last blog (wordpress) was hacked and I ended up losing a few months of hard work due to no back up. Do you have any solutions to prevent hackers?
First off I want to say excellent blog! I had a quick question which I’d like to ask if you do not mind. I was interested to find out how you center yourself and clear your thoughts before writing. I’ve had a hard time clearing my mind in getting my ideas out there. I truly do take pleasure in writing but it just seems like the first 10 to 15 minutes are wasted simply just trying to figure out how to begin. Any suggestions or tips? Appreciate it!
Hey! Quick question that’s completely off topic. Do you know how to make your site mobile friendly? My website looks weird when viewing from my iphone 4. I’m trying to find a theme or plugin that might be able to resolve this problem. If you have any recommendations, please share. With thanks!
Hello just wanted to give you a quick heads up and let you know a few of the images aren’t loading correctly. I’m not sure why but I think its a linking issue. I’ve tried it in two different internet browsers and both show the same outcome.
Fantastic website you have here but I was curious about if you knew of any discussion boards that cover the same topics discussed here? I’d really like to be a part of online community where I can get responses from other knowledgeable individuals that share the same interest. If you have any recommendations, please let me know. Thanks!
Wow that was odd. I just wrote an incredibly long comment but after I clicked submit my comment didn’t appear. Grrrr… well I’m not writing all that over again. Anyhow, just wanted to say superb blog!
Greetings! I’ve been following your site for some time now and finally got the courage to go ahead and give you a shout out from Atascocita Tx! Just wanted to say keep up the fantastic work!
Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You obviously know what youre talking about, why throw away your intelligence on just posting videos to your site when you could be giving us something enlightening to read?
Hi! I realize this is sort of off-topic but I needed to ask. Does operating a well-established blog like yours take a large amount of work? I am completely new to blogging but I do write in my journal daily. I’d like to start a blog so I can easily share my personal experience and feelings online. Please let me know if you have any kind of recommendations or tips for new aspiring blog owners. Appreciate it!
Hi there! I just wanted to ask if you ever have any trouble with hackers? My last blog (wordpress) was hacked and I ended up losing many months of hard work due to no back up. Do you have any solutions to prevent hackers?
Hey! This is my first comment here so I just wanted to give a quick shout out and tell you I really enjoy reading through your posts. Can you recommend any other blogs/websites/forums that go over the same topics? Thanks for your time!
Hello just wanted to give you a quick heads up. The words in your content seem to be running off the screen in Opera. I’m not sure if this is a formatting issue or something to do with browser compatibility but I thought I’d post to let you know. The design and style look great though! Hope you get the issue fixed soon. Kudos
Hmm it looks like your site ate my first comment (it was super long) so I guess I’ll just sum it up what I submitted and say, I’m thoroughly enjoying your blog. I too am an aspiring blog blogger but I’m still new to the whole thing. Do you have any points for beginner blog writers? I’d certainly appreciate it.
First off I want to say superb blog! I had a quick question which I’d like to ask if you don’t mind. I was interested to find out how you center yourself and clear your thoughts prior to writing. I have had difficulty clearing my thoughts in getting my thoughts out. I do take pleasure in writing however it just seems like the first 10 to 15 minutes tend to be wasted simply just trying to figure out how to begin. Any recommendations or tips? Cheers!
Hi there are using WordPress for your blog platform? I’m new to the blog world but I’m trying to get started and set up my own. Do you require any coding expertise to make your own blog? Any help would be greatly appreciated!
Hello, i read your blog occasionally and i own a similar one and i was just wondering if you get a lot of spam responses? If so how do you stop it, any plugin or anything you can advise? I get so much lately it’s driving me crazy so any assistance is very much appreciated.
Hey would you mind sharing which blog platform you’re using? I’m looking to start my own blog soon but I’m having a hard time selecting between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your layout seems different then most blogs and I’m looking for something completely unique. P.S My apologies for getting off-topic but I had to ask!
Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You definitely know what youre talking about, why waste your intelligence on just posting videos to your blog when you could be giving us something enlightening to read?
Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You obviously know what youre talking about, why throw away your intelligence on just posting videos to your weblog when you could be giving us something enlightening to read?
Great blog! Do you have any helpful hints for aspiring writers? I’m planning to start my own blog soon but I’m a little lost on everything. Would you advise starting with a free platform like WordPress or go for a paid option? There are so many options out there that I’m completely confused .. Any suggestions? Kudos!
Today, I went to the beach front with my children. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She placed the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is entirely off topic but I had to tell someone!
Wow that was unusual. I just wrote an incredibly long comment but after I clicked submit my comment didn’t show up. Grrrr… well I’m not writing all that over again. Anyway, just wanted to say excellent blog!
I’m truly enjoying the design and layout of your site. It’s a very easy on the eyes which makes it much more pleasant for me to come here and visit more often. Did you hire out a designer to create your theme? Exceptional work!
Cool blog! Is your theme custom made or did you download it from somewhere? A design like yours with a few simple adjustements would really make my blog stand out. Please let me know where you got your design. Thanks
Woah! I’m really enjoying the template/theme of this blog. It’s simple, yet effective. A lot of times it’s tough to get that “perfect balance” between user friendliness and visual appeal. I must say you’ve done a excellent job with this. Also, the blog loads very fast for me on Safari. Outstanding Blog!
Howdy! This is kind of off topic but I need some guidance from an established blog. Is it very difficult to set up your own blog? I’m not very techincal but I can figure things out pretty fast. I’m thinking about making my own but I’m not sure where to start. Do you have any tips or suggestions? Cheers
Hey! I realize this is kind of off-topic however I needed to ask. Does building a well-established website such as yours take a large amount of work? I’m completely new to operating a blog but I do write in my diary on a daily basis. I’d like to start a blog so I can share my personal experience and feelings online. Please let me know if you have any recommendations or tips for brand new aspiring blog owners. Appreciate it!
I’m not that much of a online reader to be honest but your blogs really nice, keep it up! I’ll go ahead and bookmark your website to come back later on. Many thanks
I know this if off topic but I’m looking into starting my own weblog and was curious what all is required to get set up? I’m assuming having a blog like yours would cost a pretty penny? I’m not very internet smart so I’m not 100% certain. Any tips or advice would be greatly appreciated. Thank you
Hmm it appears like your website ate my first comment (it was super long) so I guess I’ll just sum it up what I wrote and say, I’m thoroughly enjoying your blog. I as well am an aspiring blog blogger but I’m still new to everything. Do you have any recommendations for beginner blog writers? I’d certainly appreciate it.
Do you mind if I quote a few of your posts as long as I provide credit and sources back to your webpage? My website is in the exact same niche as yours and my users would really benefit from a lot of the information you present here. Please let me know if this okay with you. Regards!
Incredible! This blog looks exactly like my old one! It’s on a completely different topic but it has pretty much the same layout and design. Great choice of colors!
Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You obviously know what youre talking about, why throw away your intelligence on just posting videos to your weblog when you could be giving us something enlightening to read?
I really like your blog.. very nice colors & theme. Did you create this website yourself or did you hire someone to do it for you? Plz reply as I’m looking to construct my own blog and would like to find out where u got this from. many thanks
Hi outstanding website! Does running a blog like this take a massive amount work? I’ve virtually no knowledge of programming but I was hoping to start my own blog soon. Anyways, should you have any recommendations or techniques for new blog owners please share. I understand this is off topic nevertheless I just had to ask. Appreciate it!
Hmm it looks like your website ate my first comment (it was super long) so I guess I’ll just sum it up what I submitted and say, I’m thoroughly enjoying your blog. I as well am an aspiring blog blogger but I’m still new to the whole thing. Do you have any helpful hints for rookie blog writers? I’d certainly appreciate it.
Outstanding post however I was wanting to know if you could write a litte more on this subject? I’d be very thankful if you could elaborate a little bit more. Many thanks!
Hi there! I know this is kind of off-topic however I needed to ask. Does building a well-established blog like yours require a lot of work? I’m completely new to operating a blog however I do write in my diary everyday. I’d like to start a blog so I will be able to share my personal experience and views online. Please let me know if you have any ideas or tips for brand new aspiring bloggers. Thankyou!
Howdy! Do you know if they make any plugins to assist with Search Engine Optimization? I’m trying to get my blog to rank for some targeted keywords but I’m not seeing very good gains. If you know of any please share. Thanks!
Heya! I know this is kind of off-topic but I had to ask. Does running a well-established website such as yours take a large amount of work? I’m brand new to running a blog however I do write in my journal everyday. I’d like to start a blog so I will be able to share my own experience and feelings online. Please let me know if you have any kind of ideas or tips for new aspiring blog owners. Appreciate it!
Have you ever thought about creating an e-book or guest authoring on other blogs? I have a blog centered on the same ideas you discuss and would really like to have you share some stories/information. I know my subscribers would value your work. If you’re even remotely interested, feel free to send me an e mail.
I’m curious to find out what blog platform you’re using? I’m experiencing some small security issues with my latest website and I would like to find something more safeguarded. Do you have any suggestions?