Dora Naa Borteley Borkete-la is a Public Health Worker, CEO of Borteley Kente and Fugu Hub and the Founder and President of B-Inspired Foundation (NGO). Sex is an act of getting intimate with the opposite sex. It could be out of curiosity, love, or any other purpose. Reasons why we have sex include pleasure, stress relief, attraction to a person, to make babies or sometimes for social status.
Sex mostly ends with a good feeling leaves one relieved and happy in most cases. How Often Can One Have Sex? Study shows that having sex once or twice in a week is the best. But in the society we find ourselves in, people tend to have sex more than twice or once in a week; this is good unless done exceedingly. The benefits of a healthy sex lifestyle
Sex is extremely beneficial to our health. If one practices a good or bad sex life, it goes a long way to help or affect the parties involved in the act. 10 benefits of a healthy sex lifestyle: 1. Keeps Your Immune System Humming Bodies of people who have sex have a higher tendency of fighting against viruses, germs, bacteria and a lot of diseases. A study even shows that people who have sex twice or thrice a week have a higher count of antibodies compared to those who have sex once a week.
Aside from this, you should still do all that keeps the immune system working like staying active, eating right and taking your vaccines. 2. Boosts One’s Libido Good sex boosts one’s libido, lubricates the female sex organ and makes sex enjoyable between both parties.
In women healthy, sex increases virginal lubrication and aids blood flows and elasticity, which even makes you crave for more. 3. Improves Women’s Bladder Control A strong pelvic floor is important for avoiding inconsistency. Good sex is like a workout or an exercise for your pelvic floor muscles.
When you have orgasms is causes contractions in those muscles and that strengths them. 4.Healthy sex lifestyle May Make Prostate Cancer Less Likely Men who ejaculate (at least 21 times a month) are less likely to get prostate cancer. 5. Lowers Your Blood Pressure. Most times we hear about high blood pressure then we tend to ask questions and even panic.
Research suggests that there is a big link between sex and low blood pressure. Sexual intercourse lowers systolic blood pressure which is very common these days. 6. Counts As Exercise Sex is a great form of exercise. Though it can’t replace the treadmill, it certainly works as a great form of exercise.
Sex burns about 5 calories per minute, 4 more calories than watching TV. It gives you a one-two punch; it bumps up your heart rate. 7. Reduces The Risk Of Heart Attack Good sex life is good for your heart. It’s a great way to raise your heart rate. A healthy sex lifestyle keeps your estrogen and testosterone levels in balance.
When either of this is low, it leads to heart diseases and osteoporosis (disease of the bone).
The study also says men who have less sex are prone to getting heart diseases than men who do. 8. Lessens Pain Before you reach for an aspirin, reach for orgasm, as the saying goes. Orgasms can block pains.
It releases a hormone that helps raise your pain threshold. Stimulation without orgasm can also do the trick, study has found out that virginal stimulation can block chronic back and leg pain.
And many women have said that genital self-stimulation can reduce menstrual cramps or arthritic pain and in some cases even headaches. 9. Healthy sex lifestyle improves sleep and eases stress You may nod off after sex which is a good reason. After orgasm, the hormone prolactin is released, which is responsible for the feeling of “relaxation and sleepiness”.
Also cuddling or being close to your partner can ease stress and anxiety. 10. Kissing And Hugging Can Release Your Body Natural feeling good hormone Sexual arousal releases a chemical that revs up your brain’s pleasure.
In conclusion, it is very important to embrace good sex life by taking good care of yourself, using protection and practicing a healthy sex lifestyle to get all the benefits benefit.
The Merriam-Webster dictionary defines ‘Discipline’ as training that corrects, moulds or perfects the mental faculties or the moral character of people. It is also described as “orderly or prescribed conduct or pattern of behaviour”.
Discipline has to do with putting one’s self under control through perfect mental behaviour and orderly conduct.
Let break down the word and find out how the individual characters can lead us into starting and ending this year right.
The livelihood of man is intertwined in a web of purpose-finding, following and fulfilment. This with the betterment of humanity at its core and not merely making the individual “satisfied”.
I was privilege to sit in a conference a week ago organized by the FOPIC FOUNDATION, where we delved deeply into the intricacies of the word PURPOSE. Most of us are merely living our lives based on PASSION and not PURPOSE.
The difference between the two is that PASSION is inward, personal and self-centred, but PURPOSE goes beyond you, creating an outward impact for the good of all.
If you’re just going to work to earn a salary, know that the “passion” to earn and take care of your needs is what is driving you, but if you’re going to work because you have a “cause”, (you want others to feel better), then you’re driven by PURPOSE.
The good news is that PURPOSE and PASSION have a place of convergence. They have a meeting point, and that meeting point becomes “a sweet spot”. If you want to start and finish well, you need to start right by DEFINING AND re-DEFINING your life’s PURPOSE.
You need to be conscious of your self-development. Your yesterday must not be like today, and your tomorrow must certainly be better than your today.
After you find out what you’re meant to live for in life, improve upon yourself to be the best in that endeavour.
Read books to improve upon your mental faculties. Train your body, get healthy and be conscious of what you eat and wear. Your body is you, don’t be careless with your body.
PEOPLE WILL ADDRESS YOU THE WAY YOU’RE DRESSED. Look good and smell good. It’s a part of physical investment.
Whatever the field you find yourself in, invest time in that to be better every day. For instance, I want to improve my music career, I try to learn songs, even the ones which do not have local lyrics. I started because I identified that to be one of my topmost purposes.
What is yours? Improve upon it by investing more time.
What you must do today, please don’t say you’ll do it tomorrow. Procrastination is not only a thief of time but a murderer of destinies and successes.
Even when you think you’re not good enough, give it a try. When life presents you with a thousand reasons why you cannot, give that one reason why you can and pursue it. You don’t have to be perfect before you jump at an opportunity. Learn on the job, learn from others, and learn from experiences. Just don’t postpone what must be done today otherwise you’ll have a giant of problems in future.
4. C – CONTROL YOUR DESIRES
This point sums up the entire definition of discipline. Everything in this world wants your attention, the good, the bad, and the worst.
A man who cannot control his emotions and desires is one who is bound to fail in this world.
Sexual desires, desire to make wealth, appetite for the most sumptuous meals, taste for the most expensive clothes, bags and shoes, craving to be on social media 24/7, etc; all of these must be controlled.
Don’t let your emotions interfere with your better sense of judgment this year, know when you have to learn, work and do equally important things. Life is not all about how you feel.
One way you can achieve the earlier point we discussed is when you plan and priorities. Know what comes first in your life and work towards it.
Prioritization helps you to become a master of all trades if the need be. It helps you to win here, win there and make it here and there as well. Prepare a budget and know how you’re spending your money, time and energy.
6. P- PAY YOURSELF
“In the book the Richest Man in Babylon” by George Clason, it says that one way to earn and achieve financial success is to put something down for yourself (SAVINGS) 1/10th of all you earn is yours to keep. One thing about savings is, everyone can save, especially if you’re working. You must be conscious of that this year.
What you save, you can invest in a lucrative business venture that will earn you more and more coins. Don’t be a spendthrift, learn to SAVE.
7. L- LIVE BEYOND WEAKNESSES AND FAILURES
Life will not be as rosy as you always expect. Things happen, you can lose a dear one, you can lose an opportunity as I did some days ago, you can make mistakes, and you can fail. But live above those weaknesses. Don’t let them take the better part of you away.
One man was always short-tempered and he was proud about it, always getting angry and acting in accordance with his anger.
One day he killed his landlord for making advances and sleeping with his wife. He was put in prison for that, after 10years when he was to be released, he cried bitterly and told his lawyer “I don’t know how many men would have had access to sleep with my wife as I was safely locked in prison”.
Take this from me, nothing at all is worth pulling you down this year if you decide so. Not even your own weaknesses or failures so far as you can live above them.
The God factor is one thing you can’t take out of the equation of life no matter what. My Father in the Lord, Evangelist James Larbi Lordson, will say, “the reason why God created the man alone and made the woman whiles the man was sleeping was so that they could each have a personal relationship with God.”
Pray, study your Bible, fast, pay your tithes and offerings and give etc.
Above all, don’t be “carnal about all these things, be very spiritual about them because the world we see is not as we see.
9. N- NETWORK
One of the greatest gifts God has given a man is his fellow man. You can do something, but you cannot do everything.
That is why God made other people with diverse skills to come to our ways so we can benefit from each other.
By the definition of “Network”, I don’t mean mere “socialization” Many of us know how to “socialize” (go out, meet new people, interact, exchange contracts, talk once and that’s all.)
Networking goes beyond that, it’s connecting and staying in touch with like-minded fellows, “superiors”, “mentors” etc. for periodic and timely advice, rendering of services etc.
There is a bridge between PMF and MVP. Talking to users includes the part where you interact with people about your product, app or website, your company vision and mission; you then observe the reactions and listen to their feedback.
Take note because you may want to effect some change along the line.
In the Bible, there is this phrase in Proverbs that said “wisdom is found on the street.“
Your company or startup or product could be facing a challenge but once you talk to users, you immediately receive clues on how to solve that problem, because someone said something. In essence, a problem shared is a problem solved.
Your plan is to solve a problem so when you create room for user feedback and ask for users suggestions on how you can serve them better, you are doing more by making feel part of your development phase, and in the process, serving them better.
In John C. Maxwell’s write up on 7 steps to success, he outlined the following:
1. Make a commitment to grow daily
2. Value the process, not the events
3. Don’t wait for inspiration
4. Be willing to sacrifice pleasure for opportunity
5. Dream big
6. Plan your priorities
7. Give up to go up
Now in order to be successful, you need to form daily habits that will ensure success. Reflect on your daily habits; would you find yourself on the path to your goals?
What is success?
According to John C. Maxwell, success is knowing your purpose in life, growing to reach your maximum potential, and sowing seeds that benefit others.
Hence success is not just being popular or having a big name or lots of luxury.
Now how do you ensure you form good daily habits? By developing yourself; personal growth enables you to develop the discipline to achieve your goals.
John Maxwell shared 15 laws of growth, but we will focus on two of them:
The Law of Pain
The Law of the Rubber Band
The Law of Pain:
This law states that good management of bad experiences lead to growth. This means that we will all experience growing pains which are life lessons requiring some form of pain management; how we deal with these painful moments affect our growth.
The Law of the Rubber Band:
This states that growing to your full potential requires stretching out of your comfort zone. Hence in order for you to grow to your full potential, you have to stretch beyond your current comfort zone. Stretching grows your athletic muscles and personal growth muscles.
We all know that pain is something we avoid naturally. Everyone has bad experiences too and there are 3 ways people respond to them:
Some of us avoid them
Some of us deal with them
Others embrace them; these are leaders
However, pain is unavoidable.
How do we turn our pain into gain?
1. Take a positive life stance-look for positive lessons in every experience; embrace and develop your creativity.
2. Embrace the value of bad experiences; winners are learners
3. Make good changes. What happens to us is rarely the end of the road. Many of us focus on our feelings about what has happened to us. Change your focus to your thoughts and actions that will lead you in a better direction.
How to move forward in growing through pain:
Get input from others
Understand your emotions
Identify specific changes you want to have.
If I were to ask, do you want to grow? How would you respond? I believe it would resounding yes; I want to grow.
But the truth is that for most of us, we avoid any form of pressure because we don’t want to feel uncomfortable.
This is because we have been taught that comfort is a place to be desired and strived for.
But if I may burst your bubble let me tell you that all living things grow and growth requires stretching.
Look for positive ways to turn your pain into strength. Seek help or counsel from a coach. Understand that your emotions are normal but you can control them. Access your strengths and weaknesses and take action to make sure you grow.
Stretching gives you a shot at significance. People who are committed to making a difference stand out in life.
John Maxwell says that true life begins at the end of our comfort zone and we arrive there by stretching.
Look for positive ways to turn your pain into strength. Seek help or counsel for a coach. Understand that your emotions are normal but you can control them. Access your strengths and weaknesses and take action to make sure you grow.
Pain and stretching are key ingredients for personal growth. Don’t be discouraged by your current situation. They can turn your life around and make you mature. People who grow don’t misuse wealth and are sensitive to others.
Responsible people know how to handle fame but are not focused on it.
Once you focus on growth, you will be motivated to achieve your goals.
Setting personal goals:
A goal is a desired result a person or a system envisions, plans and commits to achieve. It is also a personal or organizational desired end-point in some sort of assumed development.
Many people endeavor to reach goals within a finite time by setting deadlines.
In other words, any planning you do for the future regardless of what it is, is a goal.
9. Goals inform you of how much progress you are making.
By understanding your purpose and your why, you gain a sense of direction, vision, meaning, clarity, feeling of accomplishment and true fulfillment when the goal is completed.
Below are examples of typical career goals:
1. Increase professional knowledge and training: Whether taking a college class, a workshop offered by an employer, getting a certification, or something along those lines, this is a common goal. It can be useful both if you are looking for work, or are already employed.
2. Increase earnings: Being underpaid often detracts from motivation and performance. Making changes to earn more increases enthusiasm for most jobs, and motivates a job search.
3. Improve low-functioning work processes or relationships: This goal area can make the daily work experience more positive and rewarding.
4. Have new experiences: Whether volunteering in your community or at work, joining a professional association to meet new people in your field, or introducing yourself to people you never talk with, new experiences fuel interest in your career.
5. Attain a leadership role: Many people feel their ultimate goal is to lead in their career or organization. Establishing the steps to achieve a leadership role makes it possible.
Your goals must ultimately lead to your vision or purpose.
So before you can effectively set goals, you must define your purpose.
If you want to be a successful entrepreneur, set goals that will help you achieve that.
Practical tools for goal setting:
Goal setting requires objective methods. We are more familiar with SMART Goals. But they can be SMARTER
S – Specific
M – Meaningful
A – Achievable
R – Relevant
T – Time bound
E – Evaluatable
R – Readjustable
Practical tools to help achieve goals include:
What is a vision board?
A vision board is a tool used to help clarify, concentrate and maintain focus on a specific life goal.
Literally, a vision board is any sort of board on which you display images that represent whatever you want to be, do or have in your life.
A vision board is also known as dream board. It is one of the most valuable visualization tools. They look like inspirational collages which serve as your image of the future – a tangible example, idea or representation of where you are going. It should represent your dreams, your goals, and your ideal life.
By representing your goals with pictures and images you will actually strengthen and stimulate your emotions because your mind responds strongly to visual stimulation and your emotions are the vibrational energy that activates the Law of Attraction. The saying “A picture is worth a thousand words,” certainly holds true here.
What Is an action board?
An action board could be considered as an extension of a vision board. Aside from that, you might also decide to have only an action board.
The action board consists of the specific actions that you need to take in order to achieve a specific desire or goal.
The action board consists of the specific actions that you need to take in order to achieve a specific desire or goal.
A Vision board is usually done once a year. With an action board, you can break your vision board into monthly or weekly boards that consist of the actions you need to take to achieve your final goals.
An action board will help you determine the small actions you need to take in order to achieve the big goal.
What is a motivation board?
A motivation board is a decorative board that tracks your progress. This manifestation tool is used to motivate you towards achieving a specific goal.
Both action and motivation board are best when used along with a vision board. The vision board is the ultimate manifestation tool that features your biggest priorities all in one place.
The most important thing about achieving your goals is to believe that you can. When you are driven by purpose, and focused on growth, achieving your goals won’t be a mere wish.
In conclusion, it is so easy to be overwhelmed by your current situation but they don’t define or limit you.
God said to Abraham: “I am giving all this land, as far as you can see, to you and your descendants as a permanent possession.”
How do you want your future to be? Are your thoughts positive enough to lift you from your current situation to your desired future? Have you written down your SMARTER Goals? How do you intend to achieve them after writing them down?
Your life will change if you decide that it should. God has made it possible for you to succeed. Stop pitying yourself.
Get a coach to hold you accountable. Reward your success to motivate you to go further. Get to work. Plan and Act.
Join us for subsequent sessions, send a message to wa.me/233595863409. Follow us on our social media platforms; Bilth Studio for updates.
Blay is the only male child and the last of 3 children born by his parents.
He was raised in Takoradi, where he completed his upper primary and Junior High Education at Nazareth School in Apowa.
He studied Mechanical Engineering at Kikam Technical Institute but has an immense interest in music and reading.
Blay is constantly inspired by people who have brought positive changes into their lives as well those who focus on their God-given talent; he feels he can do the same to be an inspiration to others as well.
The funding for his music business has been quite unstable due to the fact that there is no major label or management team supporting him.
Currently, contributions from the team members and some loyal fans help to support his career.
He admits he mostly faces financial challenges and this complicates plans to get his songs played on radio and being recognized by the masses.
Blay is hopeful that in the next 5 years his music will be played and enjoyed all over the globe.
If given an opportunity to send a message to President Akufo-Addo, Blay intends to request for support for the creative art industry in Ghana.
I-I’m Interested in………. & I’ll see where it leads me
W – Watch Your Interest:
In watching your interests, you will need to make a list of things you easily do in your spare time, as well as the things you think about when your mind wanders around.
For instance, if in your leisure time, you are someone who does not find it stressful to draw or write, then you should be looking into fields of work or career paths that make use of creative abilities.
This, in effect, will make you find satisfaction in that which you want to pursue.
I – Investigate Your Options:
There are numerous options you can choose from when you career selection path comes into play.
Therefore, as an individual, write down 5 things you would want to do after school.
Also, research and write down on 5 things you previously never considered.
This process can help you streamline your options to focus on a selected few and then helps you make final decisions on them.
F – Follow your Dreams
This part of the process is that point where everyone gets to or will come across one way or the other as you journey through life.
Your dreams speak volumes about you as a person and this, in effect, allows you to make decisions that best suit the actualization of your career you choose to follow.
No matter how huge your dreams may seem, don’t be discouraged.
With determination and consistent work on your dreams, desired results will manifest for all to see.
I – I’m Interested in…… and I’ll see where it leads me
In choosing career paths, venturing into new territories is one risk most people struggle with; they tend to worry more about the uncertainties of life.
This feeling is true and also cautions us in making right decisions for our future.
Focusing on your fears has a greater probability of causing you from turn your attention from areas that will, in the end, open you up to many possibilities.
The strengths and weakness of someone looking at a new career path would have to be carefully considered so that the energy of the person can be channeled appropriately.
Your dreams and aspirations cannot be sidelined as they help determine the rate of speed you will run in life and with your career.
Money transfer abroad is so easy today. And so difficult.
According to the World Bank, $445 billion worth of remittances is available for transfer; this amount is higher than we can imagine.
In order to make the life easier for you, this in-depth article look at 13 frequently asked questions about money transfer aborad.
Let’s dive in!
Background of international money transfer:
People living in the USA / Canada and Europe / UK whose origin is Africa will want to transfer money abroad to their people back at home.
Supporting your family is the most important thing, and hence, you need to have the best money transfer service that can guarantee safety for a smooth transaction. You will likely want to send money to your family regularly irrespective of which part of Africa your family is.
Therefore, knowing the best way to transfer money overseas will help you eliminate the uncertainties that arise anytime a person may want to transfer money abroad. In the past, transferring money abroad was hectic due to the lack of a well-laid procedure for sending money.
It was faced with a lot of challenges due to congestion and hence delayed in transfers.
You could take a long period to get your transaction processed by the union or the banks you chose.
Technology has taken root in almost every sector in the world today, and money transfer is not left behind.
It has led to the rising of different international money transfer companies that give flexibility like no other.
You can choose the company you want to deal with according to your needs.
You will not be worried any longer about the long queues in the bank, and also your family will not have to wait for days to receive the sent money. The use of the internet allows for the best way to transfer money overseas.
Emergencies are daily occurrences and can make you sick and worried whenever they happen.
You can be devastated by such happenings, mainly when they occur to your family during the period you are not around.
The ability to transfer money abroad fast allows you to support them during such times. The internet has also given rise to instant international money transfer methods that provide you with an opportunity to send money to your family instantly.
Instant international money transfer comes in handy when you want to seek pressing issues and emergencies back at home in your absence.
You cannot point the best money transfer service in the world full of multiple international money transfer companies.
It is because the firm that one prefers best for them may not seem so for the other. It depends on what needs you have at that particular time and your degree of flexibility. If your family has instant money needs, the best way to transfer money abroad for you at that particular time is by use of methods that will deliver the amount instantly.
Therefore, the situation you are in dictates the best way to transfer money oversea according to how well it works for that situation.
Your bank and Western Union are some of those methods used to transfer money abroad by individuals who are not working on a fixed time.
They take quite a long time and also have high transfer rates. However, they provide an opportunity for a person to send any amount of money.
PayPal and TransferWise are the fast, International money transfer applications that are in use today.
They are essential in helping you meet the emergency needs of your family.
They allow you to carry out instant international money transfer with your phone and in your home.
Therefore, before you determine the best way to transfer money abroad, you need first to resolve the situation you are facing.
Then from there, you can effectively choose the best method to transfer money oversea that will help you meet the demands of the condition your family is facing.
#2: Determining A Safe International Money Transfer Method
With the multiple ways of transferring money abroad, it is difficult to determine the safest way to transfer money abroad fully.
The variety of these methods are available with different terms and conditions, delivery time, and also different charge rates. Some are reliable, while others are not.
Different possibilities for a money transfer abroad are:
Bank transfer (wire transfer)
Peer-to-peer (P2P) transfer
Online money transfer
To help determine the best fit, ensure you check the reputation of each one of them before you can settle for any.
Ensure proper certification with the necessary authorities. They also must provide transparency and credibility.
Their exchange rates and delivery time must be well displayed and guaranteed.
However, money experts advise using your bank to make such transactions as they are the safest compared to the rest.
The only problem with them is high rates and also delayed delivery time. Although the security of your money is guaranteed, and you can be able to transfer large amounts of money.
The bottom line is, whichever method you choose to transfer money abroad, make sure you calculate the risks well.
Be wary of cheap deals and international money transfer companies that promise cool deals.
The cheapest way to transfer money overseas may become the drain for all your hard-earned money. Make sure you carry out proper research before you choose the method to transfer money abroad.
By doing so, you will avoid falling into the temptation of chasing the cheap deals, which may jeopardize the security of your money.
Have time to weigh what a good deal is before considering it best for your money transfer needs.
Doing this will ensure you are adequately protected while sending money abroad to your family.
Let me present you again the three major possibilities for a money transfer abroad in this infographic:
#3: Tracking An International Money Transfer Abroad
You need to know that there is no automatic method to track your money.
There are only two ways to know; the first one is, you can contact the recipient directly and inquire if the money reached their account. The other way of tracking your transaction is through the bank you used to make the transfer.
It demands the Federal Reference number, which is a 26 to 18 digits number.
The bank uses it to track the transaction and determine whether the money sent was deposited in the account of your recipient.
Money transfer providers such as WorldRemit offer a money tracking system by sending emails or text messages to the sender. This way, the sender always knows how the order proceeds.
#4: Requirements For An International Transfer
If you want to send money from a bank account to a bank account, there are several things that the sender requires to provide for a successful international money transfer.
The address and the full name of the person intended to receive the money
The recipient’s bank full name and its address
Account number and account type of the recipient
Routine number of the person to receive the money
If applicable, the sender is required to give the BIC or SWIFT code of the recipient’s bank
IBAN of the recipient’s bank
The amount to be transferred
The reason why the transfer is necessary
Sending money to the mobile money account of the recipient is much easier. You just need to detail:
First name and surname of the recipient
His address (can also be just the city)
His mobile phone number
The amount to be transferred
The reason why the transfer is necessary
#5: How Can International Money Apps Be Evaluated?
With the recent advancement in technology, it is now possible for people to transfer money abroad and receive cash in Africa.
Money can directly be sent instantly with minimal human contact.
It only requires a smartphone with reliable internet access to access fast international money transfer applications. Several international money transfer companies have come up with online applications that allow one to send money directly from one bank account to another in a different location at any given time.
Before selecting a specific app to use to transfer money abroad, one should consider the following factors:
A good app should be user friendly. It should have an easy to use homepage with all features you need. You should be able to access your account quickly and transfer money abroad easily. The interface should be clear and straightforward.
Security is the most vital aspect when transferring money. It would be best if there is an assurance that both your details and funds are secure. The app should have a strongly protected server that is not easily accessible without authorization to protect it from hackers. Even when you lose your phone, your information should still be secured.
It is also essential to consider how much you will pay for sending a certain amount of money. The fees should be at least cheaper than what the banks are charging. You should also be aware that some apps with low rates may not be secure, and you may end up losing all your money. Some even take advantage of the foreign exchange rates, and therefore you should double-check before doing any transaction with them.
Availability of the Money Transfer Applications
Not all money transfer apps are available all over the world. Check whether the application you are using will allow you to transfer money to your target country.
Availability of Extra Features
A good money app should have added extra features that allow one to make payments through bank transfers. It increases customer satisfaction since it reduces the number of transfers and will enable you to pay directly for goods and services.
Always use apps with a good history. Go for apps that have been in the market long enough, and you will be sure that their reputation is good. Check their online reviews to be able to gauge them.
#6: Internationally Recognized Companies Used for Instant International Money Transfer
It is the United States-based application.
When using Zelle, the sender and the recipient should have bank accounts based in the United States. It means that money cannot be transferred internationally to other countries.
Sending money to African friends: not supported
Google Pay is one of the cheapest ways to transfer money internationally. It can only be put in use when paying for items online.
Not all countries have embraced Google Pay; therefore, when traveling overseas, contact your bank for further clarification. Some countries in Africa have adopted Google Pay to make payments for mobile and computer programs: Algeria, Egypt, Kenya, South Africa,
Google Pay is usable for sending money to your family and friends just in USA and India.
Sending money to African friends: not supported
Paytm is an Indian based company. Paytm was only available to Indian residents who have attained the age of 18.
Foreign currency is not applicable to transact using Paytm. Currently, money can be transferred from Kenya to India using Paytm.
Sending money to African friends: not supported
WorldRemmit is a known fast international money transfer app. It allows users to transfer money abroad with great convenience. Money is transferrable from one bank account to another, or you can choose if the money is delivered physically to a specific location. It also allows for money to be sent through a mobile phone. It is among the best money transfer services since it is secure as it provides a tracking service that will keep you updated on the progress.
Sending money to African friends: supported! WorldRemit is the best money transfer service to Africa.
It is the cheapest way to transfer money overseas. The international money transfer app uses peer to peer payments making the rates much less expensive.
It allows you to directly sell your currency to your target country, who will buy at competitive prices. It also has a live currency tracker that enables you to see how your cash exchanges. It is among the best money transfer service because you can send multiple currencies depending on the deals offered.
Sending money to African friends: supported by CurrencyFair!
Payoneer is the best way to transfer money abroad if your country does not support other money transfer apps, e.g. for sending money out of African countries. It supports several countries and currencies.
Despite the size of the country you are in, you will transfer money abroad. It is also the best way to receive money from abroad.
Money transfers using Payoneer are free, so if you are looking for how to transfer money overseas without fees, you should consider the app.
Sending money to African friends: supported by Payoneer!
It is known to be the cheapest way to transfer money overseas due to its low fees. It uses interbank rates to transfer money. Therefore, it makes the cost come down to a charge of only 1% of the transfer. The only disadvantage is that it only operates within a few countries in Africa. Before making any transaction, you should consult to know whether your target country is among those that are legible.
Sending money to African friends: supported by TransferWise!
It is one of the most secure apps to transfer money overseas. The information you provide is safe hence protecting you from any malicious practices when you want to share money abroad. They have also installed SSL certificates in their programs to increase the security of the app.
It is easy to use the app, making it the best and the cheapest way to receive money from abroad.
It also provides for ten different languages hence can be used in several countries.
Sending money to African friends: supported by Azimo!
PayPal is known worldwide, and it beats all the other peer to peer money transfer apps because of its convenience. It is accessible in many countries and offers different payment methods. Funds are received instantly into the recipient’s PayPal account. You can transfer money abroad with PayPal since it only requires one to sign in to receive the payment. Sending money to African friends: supported by Xoom!
Get your personal money transfer app recommendation
Before you transfer money abroad, you can change your currency to lower the charges. It may allow you to save due to different conversion rates. You can secure high bonds and only pay expenses for the conversion.
Register for repetitive wire transfers
You can sign up for several wire transfers so that the bank can reduce your transfer fees. You will spend little money when transferring repeatedly. This process will also decrease the chances of error.
Use email money transfers
Email money is one of the cheapest and convenient ways to transfer money. It is affordable and much faster compared to the use of banks. PayPal is the established provider for the services.
Send money to a student account
The majority of banks do not charge for money transferred to student accounts. You should always check for these waivers, especially for those who send or receive payments from students who are paying their education loans.
#9: Will My Bank Charge Me For Using Transferwise Or Currencyfair?
Yes. When using a P2P marketplace such as Transferwise or Currencyfair, the bank will charge you a small fee to add to your balance to convert between currencies in your account.
It will also charge you a small fee for transfer money from your account to a bank account.
#10: Is It Possible To Get Scammed On A Wire Transfer?
Wire transfer is fast, reliable, and safe for sending money overseas. Many people have used it successfully, making it more trusted.
However, it does not mean that you will not get conned. Con artists are everywhere, waiting for that bad press of a button to steal your hard-earned money.
It would be best if you exercised a lot of caution when trying to wire money to anyone because once you send, you can never reverse the transaction. That is how you easily part with your money.
Below are ways to help you avoid losing money through a wire transfer:
Use an excellently reputed money transfer service
Mostly, the service you use to transfer the money is not the cause for the con but, it is always advisable that you deal with a reputed international money transfer company.
If you want to send money to a stranger, avoid sending large amounts of money at a go
Do not send money to strangers
Pay late. Scammers give you money transfer deadlines in terms of date. If those dates exceed and they call you to remind you then, you might be dealing with a con.
There is no actual limit to the amount of money you can transfer.
When you want to move more than $10,000 abroad or receive the same amount from abroad, you will need to abide by the Laws to protect your money and the interests of the authority.
#12: Best Ways To Transfer A Large Amount Of Money
Use correspondent banks
It is easier to transfer money abroad using correspondent banks. Some banks are international and have locations in most countries worldwide, making the transfer of large amounts of money accessible and cheaper.
It requires both the sender and receiver to provide proof before sending or receiving the money. These proofs undergo thorough scrutiny before approval. There are no fixed charges; hence can be high depending on the country.
Use online transfers
Online transfers will help you maximize the amount of money you are transferring by checking different exchange rates. Online platforms will allow you to send money to several countries all over the world. Such media include Venstar-Exchange or OFX.
International currency check
Few money transfer services only offer it. The processing time is slow and, therefore, not a good option for instant sending. It takes at least 20 days for the destination country to credit the amount deposited into the account.
Exposure to how to transfer money internationally is crucial for African origin people who live abroad and especially those that are breadwinners for their families.
Providing for the needs of their loved ones is the main reason why they are struggling to work in the first place.
Knowing that their money will be safe is just equal to knowing that their family members are fully taken care of.
One hence requires having enough knowledge on the best way to receive money from abroad that their recipients can use and the best way to transfer money abroad to their people at home.