A general belief is that Mobile Money (mMoney) has the catalytic effect of spurring mCommerce growth and driving financial inclusion in developing nations like Nigeria. In Nigeria, mMoney service is certainly a new financial service innovation in the country, and as a result critical issues surrounding its early critical mass adoption, including its perceived usefulness, remain largely opaque. In this paper, our aim was to explore factors influencing perceived usefulness of mMoney by using the extended technology acceptance model (TAM) as the theoretical underpinning of our work. This work is based on a usable sample of 127 respondents from two major cities in Nigeria. Overall, the study’s results indicate that perceived regulator assurance, service affordability, convenience, proximity to the nearest bank branch, and worry over ease of use are significant predictors of mMoney perceived usefulness. The work helps shed new insights about the significant factors that are closely related to the consumer’s perception of the relevance of mMoney services (to his/her financial needs). In sum, the study is an initial step to addressing the issue of perceived usefulness of mMoney service, including its pivotal importance to laying a solid foundation for mCommerce growth in Nigeria and similar sub-Saharan African (SSA) coun-tries.

NEW YORK: The judge overseeing Donald Trump’s criminal hush money case has put off ruling on whether the president-elect’s conviction should be thrown out on immunity grounds, enabling prosecutors to weigh next steps following his Nov. 5 election victory.

Justice Juan Merchan had been due to rule on Tuesday on Trump’s argument that the U.S. Supreme Court’s decision in July that presidents are immune from prosecution involving their official acts meant the New York state case should be dismissed.

Instead, Merchan granted a request by Manhattan District Attorney Alvin Bragg’s office to have until Nov. 19 to consider how to approach the case in light of Trump’s looming inauguration in January 2025, email correspondence made public on Tuesday showed.

Trump’s scheduled Nov. 26 sentencing is now widely expected to be postponed.

Trump in May became the first U.S. president - former or sitting - convicted of a crime when a jury in Manhattan found him guilty on 34 felony counts of falsifying business records to cover up a potential sex scandal shortly before his first election win in 2016. Trump, who pleaded not guilty, has vowed to appeal the verdict after sentencing.

Prosecutor Matthew Colangelo wrote there were “competing interests” between ensuring a criminal case proceeds as usual and protecting the office of the president.

“The People agree that these are unprecedented circumstances,“ Colangelo wrote.

Trump is set to be the first felon inaugurated as president after his victory over Vice President Kamala Harris.

At issue in the six-week Manhattan trial was a $130,000 payment made by Trump’s then-lawyer Michael Cohen to adult film actress Stormy Daniels to keep quiet about a sexual encounter she said she had with him in 2006 but which he has denied.

Trump’s defense lawyer Emil Bove wrote that the case ultimately needed to be dismissed to avoid interfering with Trump’s presidential duties.

“The stay, and dismissal, are necessary to avoid unconstitutional impediments to President Trump’s ability to govern,“ Bove wrote.

TRUMP FACED FOUR CRIMINAL CASES

Trump, 78, is hoping to enter office unencumbered by any of four criminal cases he has faced and which once were thought to have threatened to derail his 2024 candidacy to return to the White House after having served from 2017-2021.

The Republican Trump has portrayed the hush money case brought by Bragg, a Democrat, and the three other state and federal criminal indictments brought in 2023 as politically motivated attempts to harm his presidential campaign. He pleaded not guilty in all four cases.

“It is now abundantly clear that Americans want an immediate end to the weaponization of our justice system,“ Trump campaign spokesperson Steven Cheung said in a statement on Tuesday.

Special Counsel Jack Smith brought two of the cases against Trump, one involving classified documents he kept after leaving office and the other involving his efforts to overturn his 2020 election loss. A Florida-based federal judge in July dismissed the documents case. The Justice Department is now evaluating how to wind down Smith’s election-related case.

Trump also faces state criminal charges in Georgia over his bid to reverse his 2020 loss in that state, but the case remains in limbo.

The Supreme Court, in a decision arising from one of Smith’s two cases against Trump, decided that presidents are immune from prosecution involving their official acts and that juries cannot be presented evidence of official acts in trials over personal conduct. It marked the first time that the court recognized any degree of presidential immunity from prosecution.

In making the case for immunity, Trump’s lawyers said the jury that convicted Trump in the hush money case was shown evidence by prosecutors of his social media posts as president and heard testimony from his former aides about conversations that occurred in the White House during his 2017-2021 term.

Bragg’s office countered that the Supreme Court’s ruling has no bearing on the case, which they said concerned “wholly unofficial conduct.” The Supreme Court in its ruling found no immunity for a president’s unofficial acts.

If you’ve sent kids to college, you’ve probably heard of FAFSA (Free Application for Federal Student Aid). FAFSA offers federal government aid via loans, grants and work-study options. It determines how much financial aid your children will get for college based on your family’s income and assets. As a parent, that includes your income, investment […]

The post How Do I Avoid the Money in My Bank Disqualifying My Children From Financial Aid for College? appeared first on Clark Howard.

You don’t have to be a nerd or “techie” to want to keep up with the latest and greatest gadgets in the marketplace today. One thing you do have to do, though, is know how to look for the best deals on electronics. With a little strategy, you can buy the latest smartphones, smart TVs […]

The post How To Save Money on Electronics appeared first on Clark Howard.

Prince Andrew has realised genuine concerns amongst stake holders as he resists on giving up the Royal Lodge.

The Duke of York, who insists he will be able to manage the staggering maintenance cost of the Windsor abode, is questioned ‘where is the money...

The Christian Finances pages offer Biblical principles for employment, budget, credit, debt, savings, investment and giving. The true meaning of stewardship-employment, debt, investment, budget, giving.

Parents of high schoolers are now the most powerful force in higher education.

Free college tuition. New cars. Complimentary passes to government gyms. And cold, hard cash. Militaries all over the world are at war right now. And they're getting creative with pay and benefits to lure in potential recruits and to keep battle-hardened veterans in their uniforms for another round.

New York Judge Juan M. Merchan had been set to rule Tuesday on an earlier request to throw out Trump's conviction because of a U.S. Supreme Court ruling this summer on presidential immunity.

The post Judge delays ruling on whether to scrap Trump’s conviction in hush money case appeared first on Boston.com.

This short article will share three business statistics you need to memorize to understand your risk if you ever intend to cash out.

I recently had the opportunity to visit Ft. McMurray, which is located about 300 miles north of Edmonton, in Northern Alberta, Canada. It’s not the northern most point on the road but you can see it from there. The area is a phenomenon because it contains the largest known cash of petroleum in the world. You didn’t know that? Well, neither did I until recently. The amount of oil sand in Alberta is enough-at their current rate of consumption-to provide Canada all of the petroleum it would need for the next 475 years. It’s enough oil to meet the needs of the entire planet for the next 15 years.

In this video, W&C friend Thea Dudley—aka “The Credit Overlord”—discusses ways to address and think about fraud and the slow money that plagues players in the industry.

In the past, being environmentally responsible could mean spending more money, but with a unique program from American Communications, Irving, Texas, that is not the case.

Following a successful pilot phase, Dallas-based Monitronics International’s electronic “eContract” application — designed to eliminate the hard-copy paperwork that is traditionally filled out for a new customer contract — is now available in production for its Authorized Dealer program.

Washington — Do you have an idea for improving fit testing of respirators? NIOSH is offering $350,000 in total prize money as part of its Respirator Fit Evaluation Challenge.

Bona’s Matt Casey, director of professional marketing and the Bona Certified Craftsman Program, has been with the company for nearly two decades. During that time, he has witnessed a multitude of contractor challenges as well as the evolution of new product solutions. He details the current state of sustainability in the wood products industry, offering a few tips on how to work smarter not harder. 

Attending a production of Macbeth may require one to have mental preparation—to face multiple murders with dark schemes guided...

Paynetics, provider of embedded finance services, has entered into a strategic partnership with tell.money to implement the Confirmation of Payee (CoP) service. The collaboration ensures that Paynetics will take advantage of tell.money CoP service, allowing partners to embed financial services while staying fully CoP covered with minimal effort.

UK-based USI Money has announced its...

A new congressionally mandated report from the National Academies of Sciences, Engineering, and Medicine proposes updated revisions to the Special Supplemental Nutrition Program for Women, Infants, and Children (WIC) to better align with the Dietary Guidelines for Americans and promote and support breast-feeding.

As businesses and homeowners across the nation wrestle with inflation and stretching their dollars for maximum value, one area that can’t be overlooked is the heating system.

A client called me awhile back because he wanted to know what my family did with the scrap metal from jobsites, and he wanted to know what the other companies I work with do on this matter too.

Smart money management is the foundation of financial success. It’s about making informed decisions with your income, savings, and investments to reach both short-term and long-term financial goals. Regardless of your current financial situation, adopting the right strategies can set you on the path to greater financial security and independence. Create a Detailed Budget A ... Read more

Never before seen photos and maps from the Historical Society Archives available for purchase at Fundraiser

Compliance Manager at Administrator and Custodian of Self-Directed Retirement Plans Now Holds Designation as an Anti-Money Laundering Specialist

The Corporate Whistleblower Center is urging a manager at a nursing home-skilled nursing facility or healthcare company that received a COVID PPP loan-to call them at 866-714-6466 if at least 60% of the loan was not used on payroll. Get rewarded.

Join us at Jio World Convention Centre, Mumbai, India, on August 17-18, 2024

Are Democrats Receiving Drug Cartel Donations For Border Crisis

"Norwegian takes your money, they took our money honey… Booked on a cruise to where they cannot go… Kiss your money and your dreams goodbye!"

The Miami rapper rose to fame with Poison Clan group members under Luther "Uncle Luke" Campbell of 2 Live Crew in the early '90s.

Middle East Disaster Is A Result of Biden's Weak Policies

Even in a slowing economy, the battle to attract and retain talent persists. But employers need to look beyond what people are currently demanding — whether it’s higher salaries, more stock options or the flexibility to work from home. Studies show that, over the long term, employees also find value in aspects of work that they overlook in the short term, such as community and opportunities for growth. Professor Amy Edmondson and INSEAD associate professor Mark Mortensen offer up strategies for a holistic talent acquisition and retention strategy that incorporates more lasting benefits, even if workers aren't asking for them right now. Edmondson and Mortensen are the authors of the HBR article "Rethink Your Employee Value Proposition."

Much of the business world has bought into the idea of stakeholder capitalism. But Freada Kapor Klein and Mitch Kapor say that doing some good by doing well isn’t enough when the business impact still creates negative effects and broader disparities overall. Freada, with a background in social justice and empirical research, and Mitch, an entrepreneur and investor who got his start making early spreadsheet software, strive to invest in ventures that close the distance between those with wealth and privilege and those without. The founders explain their metrics and decision-making process at Kapor Capital. The profitable firm explicitly invests in tech startups serving low-income and underrepresented communities. Freada and Mitch wrote the book Closing the Equity Gap: Creating Wealth and Fostering Justice in Startup Investing.

tl;dr. Prediction markets give good forecasts because they attract “smart money” that will fix any gaps between current odds and best available information. The “smart money” is in turn motivated by the profits they can take from “dumb money” coming … Continue reading →

"Work Comp Matters" - the central location for all your workers' compensation, employment and labor law matters. Steve Appell hosts this weekly podcast from sunny southern California - presenting some…

Apps can really help your business grow, or they can be your entire business.  Flappy Bird anyone?  But no matter which route you go, it’s worth an audit to be sure you are making as much money as you possibly can from your company’s apps.  Otherwise, you are just leaving money on the table, and […]

The post Are you making enough money from your apps? first appeared on TECH Intelligence and is written by Brian Wallace.

As a designer, there are endless opportunities between your creation potential and your usual clients. With the growing demand for visual expertise, the possibility of earning more and increasing income is growing. By specializing in graphic design, web development, or UX/UI, you open doors to new ways of developing your revenues. Selling design templates, coaching, […]

The post 5 Ways to Make More Money with Your Design Skills appeared first on Designer Daily: graphic and web design blog.

Hey there, fellow shutterbugs! It’s your favorite AI-obsessed photographer here, ready to spill the beans on how to use Artificial Intelligence to make money in photography. I know, I know – I used to be the loudest anti-AI voice in the room. But then I realized: if you can’t beat ’em, join ’em (and make some cash while you’re at it)!

So, I dove headfirst into the world of AI-generated/modified images, and let me tell you, it’s been a game-changer. No more hours spent editing and retouching – now, I can create stunning, sellable images with just a few clicks. And the best part? The money’s rolling in like never before.

Ready to join the AI revolution and start raking in the dough? Let’s get started!

How to Make Money with AI-Generated Photography

AI art is taking the world by storm. And if you’ve got a knack for creating stunning visuals with AI tools, you might be wondering how to turn your passion into profit. Well, I’ve got good news for you. There are plenty of ways to monetize your AI-generated photography skills.

The world is still in dire need of professional photographers, for everything from capturing the spirit of major events to artfully presenting meaningful moments in our personal lives.

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