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10 Health Benefits of Scent Leaf (Efirin, Nchanwu) | Natural Remedy

Nendirmwa Dakup / October 23, 2025

If you’ve ever walked into a Nigerian kitchen, you’ve most likely caught that slightly peppery and distinctive aroma of scent leaf, known locally as ‘efirin’ in Yoruba and ‘nchanwu’ in Igbo. It is a herb that has been used for centuries in kitchens as a flavour that provides an additional aroma to diverse meals, especially pepper soup. However, beyond its culinary uses, it is also a natural way to boost your health, helping you live a healthier life. It has a wide range of health benefits due to its rich nutritional profile. Let’s dive into the health benefits of scent leaf and discover why you should include this herb in your diet plan. 1. Boosts Immunity Naturally A strong immune system is our first line of defence against infections, and in a world where we are constantly living off microbes, having a robust immune system is non-negotiable. Scent leaf has this ability to strengthen the immune system. It provides a good dose of vitamin A, which has both immune and vision functions; vitamin C, which supports the body’s natural defence mechanism; and minerals like calcium and phosphorus, which support the overall functions of the body and keep you strong. It is also rich in flavonoids that help the body fight against free radicals. Adding scent leaf to your drinks or meals regularly can naturally support the health benefits of scent leaf on your immune system, protecting you from illnesses. 2. Promotes Better Digestion One major health benefit of scent leaf is its ability to aid in digestion and treat stomach upset. Scent leaf contains some essential oils that are capable of providing relief from constipation or abdominal bloating, thereby easing the digestive system. They also produce digestive enzymes that break down food more efficiently and help in expelling gas from the stomach. It also has antibacterial and antifungal properties that protect the stomach lining and prevent diarrhoea and food poisoning caused by harmful microbes. Chewing a few scent leaves after meals is a natural way to boost production of digestive enzymes. 3. Regulates Blood Sugar Levels This is one of the most significant health benefits of scent leaf. Recent studies have shown that this herb has anti-diabetic properties which slow down absorption of sugar into the bloodstream. For people treating type 2 diabetes, it is a natural remedy because it aids in improving the function of cells responsible for the secretion of insulin and stabilises sugar levels, leading to more stable energy throughout the day. However, it is not a replacement for medication; it aids only in complementing your routine diabetes treatment plan. 4. Supports Heart Health The health benefits of scent leaf extend also to your cardiovascular system. Now, more than ever, heart-related issues are more prevalent and have become a serious concern. Scent leaves help in addressing such conditions by causing the blood vessels to relax, resulting in regulation of blood pressure. It also has fibres and bioactive compounds that prevent the build-up of plaque in the arteries by lowering the amount of low-density lipoprotein (LDL) and simultaneously increasing the amount of high-density lipoprotein (HDL). Additionally, this herb is rich in potassium, which counteracts the effects of sodium, thereby regulating blood pressure. 5. Clears Respiratory Infections For centuries, scent leaves have been used as a remedy for cough, sore throat, bronchitis and other respiratory conditions. The steam and oils from scent leaves possess natural expectorant properties, which aid in making breathing easier. It does this by clearing mucus from the chest and lungs. Inhaling the steam from boiling scent leaves can also provide relief to a sore throat and help in calming a persistent cough. You can also enjoy this health benefit of scent leaf by drinking its extract. This is amongst the most effective home treatments for respiratory relief, and it is mostly used during flu season. 6. Aids in Weight Management Like most natural plants, one health benefit of scent leaves is their ability to control appetite, hence helping in weight management. It has a rich fibre content that reduces the tendency of overeating because it keeps you satisfied longer than usual. Also, because it aids in digestion and metabolism, your body processes food better and burns more calories. Boiling the leaves and drinking its extract is an excellent way to detoxify the digestive system and prevent excessive storage of fats. To enjoy this health benefit of staying fit the natural way, regular exercise and a balanced diet are non-negotiable. 7. Reduces Pain and Inflammation Inflammation is the first natural response to infection produced by the body. But, in cases where it gets severe, it can cause many serious diseases like heart diseases. Scent leaves are rich in anti-inflammatory compounds like eugenol and essential oils. These compounds help to reduce and fight inflammations, ease pains and provide relief from headaches and muscle aches naturally. However, the means of application matters. For wounds or external inflammations, the leaf extract can be applied directly to the skin, while drinking the tea helps in managing internal inflammations. The anti-inflammatory health benefits of scent leaf explain why it is highly valued in the medical field. 8. Improves Oral Health Scent leaves play an important role in fighting against bad breath and bacteria that cause tooth decay, plaque, gingivitis and other oral infections. They have antibacterial properties, which aid in killing germs in the mouth. Scent leaves can also be used as a natural mouthwash, giving you a fresh breath. So, instead of depending on other synthetic oral products, use scent leaves for your oral health. This is one of the least known benefits of scent leaves. 9. Excellent Source of Antioxidants Antioxidants are responsible for fighting free radicals, which are harmful molecules produced in the body that play important roles in ageing and causing deadly diseases. And scent leaves contain a reasonable amount of these antioxidants, especially flavonoids and phenolic compounds. They function to protect the body cells from oxidative stress. Another excellent benefit of its antioxidant content is

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12 Surprising Health Benefits of Tiger Nuts (Hausa Groundnuts)

Nendirmwa Dakup / October 23, 2025

Tiger nuts, also known as Hausa groundnuts, are tiny, sweet nuts that have been cultivated for centuries across West Africa. In Nigeria, these fruits are commonly referred to as ‘aya’ in the Hausa language and are particularly favoured by individuals residing in the Northern region. They can be consumed in their raw form, roasted, or even blended into various dishes. They are recently gaining popularity for their naturally sweet taste and potential health benefits. And because it has a rich nutritional profile, which consists of minerals and vitamins, the health benefits of tiger nuts are numerous. This article will explore 12 health benefits of tiger nuts and why they should be included in a gluten-free diet. 1. Tiger Nuts Improve Digestion Naturally One of the top health benefits of tiger nuts is their ability to naturally improve digestion. Its high fibre content, consisting of both soluble and insoluble fibres, helps regulate bowel movements, preventing abdominal bloating and promoting a healthy gut, and the insoluble fibre aids smooth movement of undigested food to the anus to be excreted. They are also rich in essential minerals like potassium, magnesium, and phosphorus. Chewing a handful of tiger nuts after meals has been shown to provide the recommended daily intake of fibre to the body. 2. Great Source of Plant-Based Energy Tiger nuts are rich in healthy fats, complex carbohydrates, and natural sugars that provide a slow and steady release of energy to the body. Unlike sugary foods and snacks that cause a spike in energy levels and an eventual crash, tiger nuts release their energy slowly. This makes tiger nuts a perfect snack for students and workers. For athletes, they are a fantastic pre- or post-workout snack, supplying a balanced mix of fuel and recovery support. 3. Promotes Weight Management One health benefit of tiger nuts is their ability to help you feel fuller for longer, promoting weight management. This is because of the fibre and healthy fats contained in them. This is very important for those trying to lose weight or following a strict diet, because it prevents overeating or consuming unhealthy snacks. An effective strategy for managing weight is by swapping high-sugar snacks for an ounce of tiger nuts. 4. Helps Regulate Blood Sugar Levels Tiger nuts have a low glycaemic index, making them a healthy choice for those trying to regulate or maintain their blood sugar levels. This is because they slow down the process in which carbohydrates are broken down in the body, hence avoiding an insulin spike. They also contain an amino acid called arginine, which increases the production of insulin and sensitivity, which contributes further to regulating blood sugar. The health benefits of tiger nuts include improved insulin sensitivity and a reduced risk of developing type 2 diabetes. 5. Supports Heart Health The high fibre content of tiger nuts has been shown to lower cholesterol levels. Even though they are low in fat as compared to other traditional nuts, the fat they do contain is mainly heart-healthy monounsaturated fat, similar to that found in olive oil. Incorporating tiger nuts into your diet helps reduce low-density lipoprotein (LDL), which is unhealthy cholesterol, and also increase high-density lipoprotein (HDL), which is healthy cholesterol. This in turn supports a stable blood pressure and reduces the risk of heart diseases. 6. Improves Sexual Health and Fertility Traditionally, in parts of Africa, tiger nuts have been used as a natural aphrodisiac and a way to boost libido. They have been used to improve sperm count and sexual performance. Scientific research supports this because tiger nuts are known to contain high amounts of vitamins and essential minerals. This improves blood circulation and increases hormone levels, which are both important for reproductive health in both men and women. 7. Rich in Nutrients Your Body Needs Another health benefit of tiger nuts is that they are rich in nutrients and vitamins. These nutrients are needed by the body in certain amounts to improve health. Some of which include magnesium, potassium, iron, calcium and vitamins C and E. Magnesium is essential for muscle and nerve function, blood pressure regulation, and bone health. They also reduce muscle cramps and improve sleep quality. Potassium helps in regulating blood pressure, keeping it stable at all times. Vitamin E is a great antioxidant that protects your cells from harmful free radicals. 8. Boosts the Immune System Tiger nuts are a good source of vitamin E, a powerful antioxidant. Antioxidants play an important role in forming a defence for the body against infections or diseases caused by free radicals. This aids in supporting the immune system. It also protects the cells from harmful molecules that cause people to age faster than they should. Adding tiger nuts into your regular diet is one way to harness this health benefit of tiger nuts. 9. Suitable for People with Food Allergies For people who are lactose intolerant or have dietary restrictions, tiger nut milk is a nutritious alternative to cow milk. It provides the same health benefits of tiger nuts as the whole tuber. Aside from that, it is naturally sweet and creamy and is free from the allergens of other nuts because it is not typically a nut but a tuber. Also, people who are allergic to nuts like peanuts or almonds can safely eat tiger nuts because they are tubers, not real nuts. They are gluten-free, dairy-free, and nut-free, making them an excellent choice for people with dietary restrictions. 10. Supports Bone and Muscle Strength Calcium, magnesium and potassium are requirements for strong bones and muscles. They help to prevent or reduce the risk of osteoporosis and improve bone density. One health benefit of tiger nuts is that they are rich in these minerals; hence, snacking on them regularly is a simple way to keep your body strong. This particular health benefit of tiger nuts is most beneficial to children, ageing adults and sportsmen and women. 11. Aids in Liver Health and Detoxification The liver plays a big role in cleansing

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How to Start a Profitable Phone Repair Business in Nigeria – 2025 Step-by-Step Guide

Naheem Akintoye / October 23, 2025

In Nigeria, where smartphones are a necessity to people, the repair of these devices is still costly. As such, phone repair is not a niche anymore but a necessity, as the Nigerian Electronic Equipment Repair Market was worth $785.84 million in 2024. It is expected to reach $1,126.04 million by 2030 at a CAGR of 6.02% during the forecast period. This market is seeing stable growth due to the increasing reliance of customers on these electronic devices, the high cost of new devices, and the need for eco-friendly practices such as refurbishment of devices. Millions of Nigerians every day are enduring cracked screens, malfunctioning charging ports, outdated software, or even battling with obstinate batteries and instead of getting a new phone that is absurdly expensive in 2025, they run to the nearest repairer. If you can combine the right skills, smart planning, and service differentiation, you can turn a small investment into a successful business. So, you should be wondering, how can you too start a phone repair business in the correct way and turn it into a profitable brand in 2025, this article will guide you to start the correct way. 1. Master the Craft This is through training and skill acquisition. This is necessary because your reputation as a phone repair business is built on the outcomes you provide to customer satisfaction for them to return. A single poor repair has the potential to ruin your reputation since there are phone repairmen customers will never go back to. You must; Get hands-on training by enrolling in apprenticeship under experienced technicians, vocational repair training schools, or you can just enroll in online hands-on courses. Specialize early i.e., you need to start with the common problems people face with their devices like screen replacement, battery replacement, charging port repair, software problems, etc., then you can start performing advanced logic board work or micro soldering. Keep learning by staying up to date with new phone models, firmware, and evolving chipsets. Participate in repair forums, YouTube, and colleague groups as well to stay updated with current knowledge. Practice on defective devices by sourcing defective devices at minimal costs or collecting from friends and families, scrap dealers, etc to practice without fear of destroying a client’s device. This is for your reputation. Your technical competence is the most important thing you need to worry about before you worry about shop image or location because your customers need to leave with their phones working reliably. 2. Research and Verify Your Market You need to know your market before you invest capital. That is you need to; Discover local demand like which phone brands are most used in your area? Is it Tecno, Infinix, Samsung, or Apple? What are the most frequent failures? Which services are underserved? Survey your competition by taking a walk around your area, nearby markets like Computer Village in Lagos and take note of what existing phone repair shops charge, how fast their turnaround time is, and what warranty they offer. Perform customer interviews by talking to people who have broken phones. What are they frustrated about e.g waiting time, use of counterfeit spare parts, overcharging, etc? What would they pay for, e.g same-day repair? Verify minimum demand by offering repair services informally through social media or to friends and family before investing much, by doing so, if you are getting constant inquiries then that’s a sign to scale. 3. Choose Your Business Model Your model will guide your investment, operations, and marketing. Models to consider; Home-based or home workshop Its advantages are that it has low overhead (no shop rent), flexible, and easier to start with less capital but its disadvantages are that it has less visibility, less walk-ins, and more reliant on delivery or referrals. Shop in a mall, market, or tech hub Its pros include having foot traffic, credibility, and impulse customers. Its cons include rents, utilities, security, and additional fixed cost risk. Mobile or on-site repair Taking tools to the customer’s site is suitable for some services. It needs logistics, trust, and claim mitigation (you might break parts in transit). Online booking plus pick-up and delivery Customers book drop-offs via apps or messaging plus you manage logistics. You can merge models like home plus online plus on-site occasionally at the beginning, then scale to a shop once income becomes consistent. 4. Register and Legalize Your Business This is overlooked by most entrepreneurs but this is necessary for trust, access to funds, and partnership. You can do this by; Choosing a structure for your business: choosing a business through CAC then later you can upgrade to a limited liability company. Register with CAC Get the necessary local permits by asking your local government for trade, sign, environmental, and fire safety approvals where required. Tax registration through registration with FIRS or the state revenue authorities. Possession of a warranty or service policy that duly documents service warranties with 30-day, 90-day guarantees. Being legal gets you clients on your side. 5. Get Strategic Location or Workspace Where you repair is significant. You need to have; Visibility like working near busy areas, near markets, near institutions, or technology hubs. Security and power for safe wiring, a constant power supply, and sufficient lighting. Rent vs. cost tradeoff: that is you can start small, you don’t have to have a large shop, some repairers say you can start with N20,000 or even less if you work from home in a small area. A Backup location in case your store is down (power outage, flooding, etc). 6. Procure Equipment, Tools, and Spare Parts A repair business is only as good as its toolset and quality of parts. You need to have basic tools and equipment like the precision screwdriver sets, soldering iron (temperature controlled). Multimeter and voltage testers, Hot air rework station or heat gun, suction cup, plastic prying tools, tweezers, magnifier or digital microscope, anti-static mat and wrist strap, battery tester. Ultrasonic cleaner (for later stages), spare parts organizers, storage, bins, etc.

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Business Finance in Nigeria: Meaning, Sources, and How to Access Funding

Naheem Akintoye / October 21, 2025

Let us start with what “Business Finance” is. Business Finance is or can be referred to as the money you use to start, run, or grow a business, and also the way in which you get, manage, and pay back such money. All that deals with internal funds like owners’ savings, retained earnings, etc, short-term working capital eg to buy stock or pay staff, and longer-term funds eg to buy equipment, new premises, or expand. Good business finance practice deals with those three questions; Where will the money come from? How much do I need and when? How will I pay it back or generate returns? Why Business Finance matters is that SMEs are the engine of Nigeria’s economy but they frequently have challenges with access to capital and credit affordability. Federal and state interventions, development banks, and private players have opened avenues for financing but with requirements to meet and trade-offs. You should be aware of what source is appropriate for your stage and risk level because that is what distinguishes a loan that grows your business from one that stifles it. For example, Nigeria’s Bank of Industry and Central Bank run targeted facilities for MSMEs, and new national initiatives are trying to expand credit guarantees and reduce bank risk for lenders. There is the N75 billion federal government MSME intervention scheme that was established to assist and support Micro, Small, and Medium Enterprises (MSMEs) across the country. The scheme was established on August 15, 2013, in view of the important role being played by the Micro, Small, and Medium Enterprises (MSMEs) sub-sector in the economy. This fund offers a 50:50 ratio for on-lending to SMEs and micro enterprises respectively in participating financial institutions (PFIs). Also, the commercial components constitute 90% of the fund and are given as wholesale funding in the ratio of 60% women and 40% to other citizens. Main Sources of Business Finance in Nigeria The primary sources are categorized into two, which are the internal and external sources that have advantages and disadvantages and for whom they are most appropriate. Internal Sources Owner’s Capital or savings: This is the fastest, cheapest, no-debt option, and has no dilution. Its disadvantages are that it has a low amount and high personal risk. This is most suitable for micro-starts and pilot tests. Family and Friends: This involves borrowing or receiving assistance from family, relatives, or people you know. This provides flexible repayment and low or no interest but can destroy relationships if anything goes amiss. This is best for early-stage businesses that involve trust. Retained Earnings or profit reinvestment involves using profits earned from the business to grow the business. It is possible but gradual, it has no debt and it allows sustainable growth. It is best for established firms that are already making profits. External Sources Commercial Bank Loans that already exist but require documentation, collateral, and most often a high rate of interest. Ideal for already established SMEs with a good credit record. This offers a high amount and has organized plans. Microfinance and Microloans that are tailored for small traders and small businesses. This micro loan is offered in smaller ticket sizes, easier repayment but a higher APR at times depending on the policy and regulations. Development Bank Facilities and intervention funds: This scheme subsidizes rates and also has longer tenors. Key examples include the Bank of Industry (BOI) MSME interventions and CBN’s MSME Development Fund. These schemes typically have application requirements and sectoral focus. These schemes also enhance access to finance, improve productivity and output, create job opportunities, and engender inclusive growth particularly amongst the youth, women, and persons with disabilities (PWD). Grant Programs and Competitions: It has non-reimbursable funds from government programs, corporates, and foundations. It is highly competitive but ideal for startups that are not yet able to service debt. There are more than a dozen grant programs in 2025, some of which include the SME Mall (women in business), Tony Elumelu Foundation (TEF), Bank of Industry (BOI), SARA by Wema Bank, Central Bank of Nigeria (CBN), etc. Equity or Angel investors or VCs: This is a trade of ownership for capital and best for high-growth startups with scalable business models. Trade credit, Leasing, and factoring which are also known as non-banking options to manage cash flow such as supplier credit, equipment leasing, or selling receivables. Crowdfunding or Fintech lending is growing in Nigeria due to platforms and fintech lenders that offer quick disbursal with which their terms vary widely. For you to know what source to select from, you should have: Idea or pre-revenue startup e.g grants, founders’ capital, competitions, incubators, etc. Early revenue or pilot. A growing SME that has repeatable revenue. Scale, export, tech growth that is a large development finance, partnerships, or syndicated debt. How to Access Funding in Nigeria You can utilize the steps in the practical sequence to access funds. 1. You should tidy up your Financials: This involves preparing a basic profit and loss and cash flow for the subsequent 12 months since banks and funders will definitely request this. Then retain copies of identification, business registration (CAC), tax clearance if available, and a professional one-page business plan. 2. You need to choose the right product: This means that if you need to run for at least 3-6 months, you need to start with trade finance, factoring, or supplier credit. Then for growth capital expenditure (van, machine), you need to look at BOI, Development Bank of Nigeria (DBN) linked facilities, or leasing because DBN intermediates finance to partner banks to offload their risk. DBN also helps to fill financing gaps faced by MSMEs and small corporations in Nigeria through making provisions. 3. Apply to Schemes that fit your profile: Schemes like CBN MSME Development Fund that are meant for micro and small enterprises through participating financial institutions which on-lend at subsidized rates. You have to apply through PFIs (partner banks). The other program can be the BOI MSME Intervention programs where you need to search for themed calls i.e. manufacturing agri, creative industries,

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5 Habits Every Successful Entrepreneur Swears By for Long-Term Growth

Nendirmwa Dakup / October 13, 2025

In the fast-paced world of business, it takes more than one great idea or capital to become a successful entrepreneur. Many people start businesses; however, only a few actually build businesses that succeed and enjoy long-term growth. The reason for this is the daily habits – consistency, discipline and the right mindset – that shape how an entrepreneur reasons and behaves. Looking at successful entrepreneurs, one will notice they mostly practise similar habits which make them stand out. These habits lead them to work smart and stay focused rather than just working hard. This article discusses five powerful habits every successful entrepreneur swears by for long-term growth. 1. They set clear goals and stay consistent Without well-defined and mapped-out goals, it’s very easy to lose direction or give up when it gets tough. Every successful entrepreneur is conscious of this fact; as a result, they don’t expect quick success; they make realistic plans and follow them. First of all, they write out goals that require a long period of time to be actualised. Then, they break these goals down into smaller, realistic goals that will determine their daily actions. For instance, instead of an entrepreneur plainly saying, “I want to expand my business,” specific goals can be set, such as: I would increase my weekly sales by 20% in four months. I would establish a strong online presence by posting valuable content twice a week. I would create a new team to handle deliveries. These are more actionable goals that drive accountability and consistency. And because of how focused they are, they give the entrepreneurs a clear direction on where they’re heading to. This alone can motivate them to keep going even on tough days. Consistency is also key. Every successful entrepreneur is well aware that growth does not happen in the blink of an eye. So, they keep showing up and stick to their process, even when results aren’t forthcoming. No matter what it takes, be it improving a product or following a marketing plan, they are not deterred. Truthfully, success is reserved only for those who maintain consistency in their businesses. 2. They keep learning and adapting The business world is moving faster than ever. Hence, for entrepreneurs to succeed, they must keep learning to remain updated about the recent developments in the market space. There are several means through which they can learn; some of them are taking online courses, reading books and listening to podcasts that are in line with their business. On no account should an entrepreneur assume they know everything there is to know about business. Great entrepreneurs are naturally curious people, always wanting to update their knowledge by learning from others and trying out different trends. Instead of panicking when they notice something different from what they are used to, they take time to analyse the situation and quickly adapt. For example, in a situation where movement is restricted for a certain period of time in a particular place, smart business owners would quickly switch to online transactions. Learning digital skills in such seasons would also go a long way in driving long-term income. An entrepreneur that continues learning is usually sharp and has an edge over other entrepreneurs who don’t. Continuous learning also boosts confidence to face and embrace change instead of avoiding it. So, to experience growth as an entrepreneur, never stop learning. The biggest challenge a successful business would ever face is not competition; it is stagnation. The business world only favours those who are flexible enough to keep updating their knowledge. 3. They build strong relationships One of the smartest things to do for long-term success in business is building genuine and authentic relationships – with customers, mentors and other entrepreneurs. This is because no entrepreneur can succeed alone. Most entrepreneurs mistake networking to be just reaching out to potential clients or collecting their contacts. But it is beyond that; it is majorly about building real connections with people based on trust and the value offered. Yes, successful entrepreneurs are not self-orientated; they also focus on solving problems for others. In networking, the relationships built are what work; for instance, helpful advice can be gotten from mentors, and satisfied customers become valuable assets in marketing the business. Also, if an entrepreneur has good leadership skills, it shows in the kind of relationships had with employees. Healthy relationships with employees make them feel valued, and this boosts their productivity. So, to build a successful business that lasts, be sure to maintain healthy relationships, invest time in people, give value, and maintain a reputation based on integrity. 4. They manage their time wisely Any successful entrepreneur has understood that time is their most important asset, and they use it to their advantage. They learn how to work smart and hard. So, instead of working long hours aimlessly, they plan their day intentionally, focusing on tasks that are more capable of yielding high income. They use techniques like: Time blocking: They assign a particular time for certain work that is productive. Prioritisation: They weigh their tasks on a scale of preference and channel their energy first on the most important tasks. Delegation: This approach involves assigning less important tasks to trusted people or workers and using that time for other important tasks. Good time management helps entrepreneurs avoid distractions like attending unnecessary meetings, aimless scrolling on social media, or engaging in unprofitable activities. As a result, they spend their time on high-value tasks that drive results—such as improving their customer service and producing better products. An entrepreneur that manages time wisely will rarely burn out, because they understand the need to rest when necessary, because tired minds scarcely make great decisions. So, by carefully planning their day and setting boundaries, they ensure long-term productivity and creativity. 5. They stay resilient through challenges Setbacks are a normal part of any business. They experience failed launches, lose clients, invest wrongly and have moments of confusion. But what separates successful entrepreneurs from others is

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Top 10 Health Benefits of Dates (Why Nigerians Should Eat More Dates)

Nendirmwa Dakup / October 13, 2025

Dates, one of the oldest cultivated fruits, are a sweet, chewy snack whose health benefits have been underestimated. In Nigeria, dates are often referred to as ‘Dabino’ in Hausa and are more common among Northern Nigerians. They are well packed with a lot of nutrients that offer a wide range of benefits ranging from boosting energy to improving heart health. They can also be consumed in different forms, and no matter what form they are consumed in, they still provide their numerous health benefits. This article reveals the top 10 health benefits of dates and why Nigerians should eat more of this natural, nutrient-packed fruit. 1. Dates provide a natural energy boost Dates are a natural source of energy. They contain glucose, fructose and sucrose and can substitute energy drinks and sugary foods, providing a clean, natural source of energy. No matter how tedious or stressful the day is, consuming a few dates can replenish energy immediately. Recent studies by scientists have proved this to be one of the most practical health benefits of dates. 2. Great for digestion and preventing constipation One of the most important health benefits of dates is their high fibre content. This promotes the movement of food through the digestive tract. For many Nigerians whose diet occasionally consists of plenty of starchy foods and lacks sufficient fibre from vegetables, including dates in the diet can help fill this gap. By promoting regular bowel movements, dates contribute to a healthy gut microbiome, which in turn boosts overall immunity and mental well-being. The fibre also stops abdominal bloating and constipation, keeping the system clean and running smoothly. 3. Packed with vitamins and minerals As little as dates are, they are a good source of vital minerals, such as potassium, iron and magnesium, which Nigerians might be deficient in because of their dieting. These nutrients are all vital for normal biological activities in the body. They contain high amounts of potassium, a mineral that balances fluids in the body, thereby regulating blood pressure. This makes them a requirement for people with hypertension. They also contain iron, which reduces the risk of anaemia – common among Nigerian women. Magnesium, an essential mineral for diverse reactions in the body, can also be found in dates. It helps in blood glucose control and bone health. These health benefits of dates are important in maintaining daily vitality. 4. Good for heart health Dates are rich in antioxidants and minerals capable of improving heart health and fighting heart diseases. Heart problems are highly prevalent in Nigeria due to so many factors, one of which is poor dieting. Consuming dates increases the amount of these antioxidants and minerals in the body, hence lowering blood pressure and improving circulation of blood. Dates are also rich in soluble fibres, which helps to reduce bad cholesterol levels. This is an important health benefit of dates which Nigerians have to understand. 5. Strengthens bones and teeth Minerals such as phosphorus, potassium, calcium and magnesium can be obtained from dates. They help in building strong bones and protecting against bone-related conditions like osteoporosis, which have a devastating effect. For most Nigerians, as they begin to age, they become prone to these bone-related diseases. Hence, the need to focus on bone density, and incorporating dates into the diet helps in this regard. Strong bones are one of the long-term health benefits of dates that truly pay off over time. 6. Boosts brain health and memory Another health benefit of dates is supporting brain function. The antioxidant properties in dates are also beneficial to the brain. In people with neurodegenerative conditions, they lower inflammatory markers (interleukin-6). Hence, reducing inflammation and enhancing brain cell signalling. For Nigerians in any field, regular consumption of dates improves memory and prevents brain ageing because they are a natural supplement for brain health. 7. Helps regulate blood sugar (When eaten in moderation) Contrary to what is expected, dates do not elevate blood sugar levels when eaten even though they are naturally sweet. However, they must be eaten moderately. Their high fibre content helps in regulating blood sugar level by slowing down the rate at which sugar is absorbed. Dates are a healthy choice for those managing diabetes or trying to regulate their sugar intake. This is a smart health benefit of dates for anyone conscious of their health. 8. Supports pregnancy and easier labour This remains one of the most unique and well-researched health benefits of dates. Findings reveal that when consumed in the last few weeks of pregnancy, dates can lead to an easier labour. It contains a compound that can function like oxytocin, a hormone that stimulates contractions of the uterus. They also provide natural energy needed during labour. Many Nigerian women can benefit from this by including dates in their pregnancy diet, either as snacks or blended drinks. This traditional practice, often encouraged by older generations, is now backed by modern science, making dates an essential item for expectant mothers. 9. Strengthens immunity and fights infections Nigerians are constantly exposed to dust, changing weather and other pollutants. For such people, the health benefits of dates are invaluable. Dates are rich in antioxidants such as flavonoids, carotenoids, and phenolic acid. They function to protect the body against harmful free radicals in the body, which are capable of causing oxidative stress and result in chronic diseases. 10. Promotes healthy skin and hair Dates can be added to skincare and haircare routine because they are rich in vitamins that boost hair growth and improve skin elasticity, reducing wrinkles. The iron in dates enhances blood circulation, giving the skin a natural glow, while the nutrients nourish the scalp and prevent hair loss. Considering Nigeria’s harsh sun and heat, this is one of the most relatable health benefits of dates for everyday life. How to Add Dates to Nigerian Diet The best part about dates is how easy they are to include in meals, and the best way to reap the health benefits of dates is to

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7 Best Online Loans for Your Small Business in Nigeria

Naheem Akintoye / October 13, 2025

Imagine the disappointment of losing a huge business deal simply because cash couldn’t be accessed fast enough. In this case, suppliers are ready to give the best deal, the opportunity is hot, but unfortunately, the bank says “Come back for your cash in two weeks”. It becomes devastating, and the feeling of not knowing what to do sets in because in Nigeria’s fast-moving market, waiting kills growth. That’s why many intelligent entrepreneurs are leaving traditional banks and turning to online business loans that offer lightning-fast approval and some even disburse cash within 24 hours. Whether running a small shop, a logistics hustle, a POS business, a mini-importation brand, or even an online store, access to quick and fast capital can make a big difference between staying small and scaling big. This article discusses the 7 best online loans in Nigeria that actually work for small businesses, how fast they approve loans, how much they can offer, who they are best for, and how to get approved without stress. 1. Carbon Carbon has a scalable SME loan and offers quick disbursal which is designed for businesses that can provide minimal documentation and want larger ticket amounts. Carbon advertises business loans up to several million Naira with fast disbursal. Amount Limit: Carbon’s business product pages mention access to as much as 9.5 million Naira and higher repeat limits, with disbursal within 48 hours for applicants who are qualified for the loan. Best for: Established traders or service providers with a decent and strong bank statement history who need working capital or short-term expansion capital. Recommendation: Having up to 3-6 months of clear bank statements and CAC or identification ready helps to speed up underwriting and moves applicants into higher limits faster. 2. Fairmoney Fairmoney is an app that advertises SME or businesses with a streamlined online application and a 24-hour approval window for applicants who are eligible. They position the product for micro and small enterprises. Their advertisements can be found on various social media platforms to get an idea of how they offer loans. Amount Limit: Their business loans are commonly advertised with an amount limit of up to 5 million naira that has an approval process that can be completed in about 24 hours for businesses that are qualified. Best for: Small retailers and service businesses that need a one-off working capital infusion or to bridge receivables. Unique Feature: This app is unique due to its international exposure with offices on over continents and impact-driven missions and they also help underbanked users in Africa access financial services. Recommendation: Preparing bank statements and CAC documents before applying is advised because Fairmoney’s checklist is explicit and having documents ready avoids delays. 3. Renmoney This business loan app has a larger SME lines with structured products. Renmoney is a well-established digital lender and microfinance bank that offers structured SME loans and invoice-style facilities that scale to larger amounts for businesses that are qualified. This loan bank believes that accessible finance expands options, and that everybody should have options so they build simple, useful, products to make savings, credit, and payments accessible to all. Amount Limit: Renmoney advertises flexible SME loans including invoice discounting with an account limit of up to 100 million Naira in which repayment is within 6 months and emphasizes fast disbursal for customers who are approved. Best for: Businesses with formalized invoices, repeat revenue, or those needing larger, short-term capital like manufacturers, importers, distributors. Recommendation: If running an incorporated business with verified invoices, asking about invoice discounting is advised because it often yields lower effective turnaround and higher limits. 4. Branch This gives instant microloans through app-based scoring. Branch uses smartphone data and automated scoring to grant instant microloans without all that heavy paperwork where signing and all that unnecessary stuff is required. It is built for speed and convenience. It has about 4 million plus with 29 million plus loans issued and about 1 billion dollars disbursed which makes it suitable for customers to build capital and save for the future. Speed: Typical branch loans are on the micro side which is good for fast working capital and are designed for instant or same-day disbursal depending on risk profile and prior repayment history, that is how fast the loan is repaid. Best for: Small stalls, motor drivers, micro traders, and other businesses that need modest sums extremely fast. Recommendation: Using the app regularly with transactions and repayments to build a higher credit limit is advised because these lenders reward activity and good repayment behavior. 5. Migo A fast micro loan with short turnarounds, that is, Migo advertises quick loans in 2 minutes and focuses on low-friction micro-credit for consumers and small businesses. Their platform is for merchants’ quick float and working capital. Migo also expands economic access by allowing credit for populations who are ignored by traditional credit bureaus. Speed: Migo’s product messaging highlights very fast decisions and minutes to an hour for small loans making it suitable when immediacy is everything. Best for: Quick top-ups for stock, paying vendors, or short cash-flow gaps where speed matters more than amount. Recommendation: Expecting shorter tenors and ensuring repayment on the agreed schedule to avoid any inconvenience is advised and also quick loans are convenient but can be costly if rolled over. 6. Kuda (Business Products) This app has invoice and purchase order financing or overdrafts. Kuda as a digital bank now offers business finance products such as invoice financing, purchase order financing, and overdrafts tailored to business accounts which is useful for SMEs that transact digitally. Speed and Amount: Kuda promotes quick and fast approvals for business supply-chain financing and overdraft facilities for active account holders. The speed and amount depend heavily on activity and history. Best for: Businesses with regular bank inflows and vendors needing short-term coverage of payables. Recommendation: Keeping the business active and moving receipts throughout it is advised because that transactional history helps qualify for higher, faster overdrafts or invoice finance limits. 7. Quickcheck An

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10 Powerful Health Benefits of Cloves You Should Know

Nendirmwa Dakup / October 13, 2025

Beyond being a spice used for cooking and baking, cloves have also been valued in traditional medicine for centuries due to their powerful health benefits. Recent studies in science have confirmed these health benefits our ancestors proposed. Whether used as an oil or in powdered form, cloves have a natural ability to improve well-being, from boosting digestion to regulating blood sugar levels. This article explores ten powerful health benefits of cloves and how they can transform health naturally. 1. Cloves boost the immune system naturally Cloves are rich in antioxidants, which are natural compounds that function to prevent inflammation and protect the body from unstable molecules that are capable of causing cell damage. People who often feel weak or get sick usually have a weak immune system. For such people, cloves are a recommended addition to their meals, because they help in building a stronger defence and immune system and also help the body fight against pathogens. 2. They help improve digestion One major health benefit of cloves is their ability to improve digestion due to their antimicrobial and antibacterial properties. If someone has ever experienced stomach upset or discomfort after eating, it is possible that there is an imbalance of bacteria in the intestines. Recent studies revealed that clove extract and oil aid in warding off harmful bacteria. They do this by facilitating the release of digestive enzymes that are capable of breaking down food. Hence, reducing or completely eliminating indigestion and constipation. In ancient times, they were used as a preservative for food. This proves that they are capable of fighting off harmful microbes. Additionally, cloves exhibit carminative properties; they reduce the risk of gas formation in the stomach. Hence, one of the most common ways to ease digestive discomfort is by chewing cloves or drinking clove tea after meals. This boosts mood and immunity. 3. Cloves are great for oral and dental health In traditional medicine, cloves were used to alleviate dental pain. Recent research has also confirmed this. Eugenol, the primary active ingredient in cloves, has antibacterial properties and acts as a natural pain reliever. It is a natural anaesthetic: it instantly numbs the area it touches, providing temporary relief from pain. This makes it highly effective for treating dental pain and explains why the compound is a major constituent of professional dental preparations. Apart from being an anaesthetic, it is also a powerful anti-inflammatory agent. The body responds naturally to illness by inflammation, but inflammation could also be an underlying cause of several health issues, such as heart disease and cancer. Adding cloves into the diet aids in pain management and enhanced mobility. This is one of the most immediate and important health benefits of cloves. Cloves also help to kill bacteria that cause tooth decay and mouth odour. Hence, dentists usually advise those with mouth odour to chew cloves and those with dental pain to apply a little oil on the affected area. Keeping the mouth healthy is one of the most widely recognised health benefits of cloves. 4. They help regulate blood sugar levels With the increasing prevalence of diabetes in recent years, it is very important to find natural ways to manage it. Surprisingly, one among the diverse health benefits of cloves is their potential to help in regulating blood sugar level. For people treating diabetes or trying to control their sugar levels, cloves are a vital addition to their diet. They can sprinkle a little of its powder into their tea, pap or custard. Studies reveal that some compounds in cloves can function as insulin, which is the hormone that aids in blood sugar regulation. It does this by helping to transport sugar from the blood into the cells where it is used for energy. Also, nigericin, which is another compound found in cloves, has been shown in recent studies to improve the uptake of sugar from the blood, thus helping the body use sugar more efficiently. However, cloves are not a substitute or replacement for medical treatment, but they can be incorporated into the diet. They can serve as powerful natural support for health and also regulate blood sugar levels. This is a subtle yet profound example of the preventative health benefits of cloves. 5. Cloves may improve liver health The liver is the body’s main filtration system – it aids in detoxification, filtering toxins, breaking down fats and metabolising nutrients. Cloves can support these functions naturally. Considering how often the body is exposed to environmental toxins and processed foods, keeping the liver healthy is very important. Eugenol, a potent antioxidant found in cloves, helps reduce oxidative stress and inflammation caused by exposure to free radicals and toxins. Studies have also shown that clove oil reduces the occurrence of fatty liver disease and promotes better liver function. Adding cloves in any of their forms into the diet helps the liver reduce the damage from environmental toxins; this is one important health benefit of cloves that is underrated. 6. Cloves enhance bone and joint health Vitamin D and calcium are known to be the major minerals needed to maintain bone health. However, research has shown that manganese is essential in bone formation and bone metabolism. And cloves are an excellent source of it. A single ounce of ground cloves is capable of supplying a significant amount of the recommended daily intake of manganese. This provides a very powerful health benefit of cloves, because it promotes strong and healthy bones. As a result of its anti-inflammatory effects, cloves are also helpful in easing discomfort for people suffering from joint pains or stiffness. Bone density naturally decreases with age, so it is important to find natural sources to support skeletal structure. Adding cloves into soups or stews is an easy and natural way to strengthen bones and skeletal structure. 7. Cloves help relieve stress and boost mood Cloves are beneficial not only to physical health but also to mental and emotional health. Their warm and spicy aroma has a soothing effect that

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Business Risk In Nigeria: Types, Examples, and How to Manage Them

Naheem Akintoye / October 13, 2025

When it comes to doing business in Nigeria, it can be highly profitable, depending on the effort put into it. However, it also comes with a set of risks that can arise from politics, economy, security, finance, and infrastructure. However, smart founders or managers do not treat these risks as if they are scary or mysterious; instead, they map them, rank them, and build simple, repeatable controls to reduce the tension or shock they cause and keep the business in good shape. Business risk factors can appear in different forms, depending on the nature of a company and its activities. Business risks can have major forms which are external risks (that is risks coming from events taking place outside the organization) and internal risks (which are risks coming from events taking place within the organization). This article discusses the types of business risk in Nigeria, gives real and promising examples, and also gives a clear way to manage these types of risks in order for businesses to run smoothly. What do we understand about Business risk? The term “business risks” can be said as the possibility of a commercial entity making inadequate profits or even losses due to some uncertainties, for example: changes in tastes, staff demotivation, changing preferences of consumers, strikes, increased competition, changes in government policy, obsolescence, etc. Business risk can also be defined as the possibility of losing money or failing in business because of uncertain events or decision-making. Business risks can also be described as events or circumstances that could negatively affect a company’s ability to achieve its objectives and goals, leading to losses or failure. Types of Business Risks Political and Regulatory Risk This is a type of risk that has sudden changes in law, taxation, trade policy, or government conduct that could affect license to operate, cost base, or ability to move money. This matters in Nigeria because it has regulatory unpredictability, quasi-fiscal policies, and occasional restrictive currency or trade controls that have repeatedly affected businesses in Nigeria. These are examples that have an impact on this type of risk: New taxes or enforcement drives that increase operating costs overnight. Local content requirements or licensing changes that affect foreign investors. Restrictions on foreign exchange or limits on repatriation of profits. These are ways to manage this risk: Maintain a short political watchlist that includes three government agencies and three policy indicators like fix policy, tax rules, and import bans which should be reviewed monthly. Build relationships with local regulators then hire a part-time regulatory advisor or law firm on retainer. Structure contracts with explicit unforeseen circumstances and dispute resolution clauses where possible, use a trusted account or international arbitration for high-value deals. Macroeconomic and Currency Risk This type of business risk deals with inflation, interest rate shocks, and exchange-rate collapse that weakens margins and makes forecasting useless, and this matters in Nigeria due to high inflation and sharp Naira depreciation that have materially increased costs for firms with dollar-linked inputs. It has been reported that big companies have experienced heavy losses because of FX mismatches. These are examples that relate to this risk: A manufacturer that has dollar debt but Naira revenue sees interest and principal become unaffordable after a Naira devaluation. Importers face sudden price increases and supply gaps due to foreign-exchange shortages. These are ways to manage this risk: Match the currency of revenues and liabilities where possible and also if revenue is Naira, try to keep debt in Naira or hedge. Use natural hedges like price adjustments, local sourcing, etc before expensive financial hedges. Keep at least a 3 to 6-month working capital cushion in local currency for operating volatility. Price contracts with CPI or FX pass-through clauses when negotiating with customers. Security and Physical Risk This type of risk deals with theft, vandalism, kidnapping, protests, supply-chain disruptions, and regional instability that interrupt operations or increase costs, this risk matters in Nigeria because pipeline vandalism and oil theft have cost the economy billions and other sectors have faced kidnappings and local disruptions especially in certain regions. Nigeria has lost about $42 billion to crude theft and has also experienced domestic and refined petroleum products losses between 2009 and 2018. Unfortunately, the extent of pipeline vandalism has greatly affected the environment and the people who reside in Nigeria’s most oil-rich region, the Niger Delta. These are examples that relate to this risk: Oil and gas companies are losing production because of pipeline vandalism. Logistics firms are facing road closures, theft of cargo, or driver kidnappings. These are ways to manage this risk: Do a location risk map for every facility and route to avoid high-risk corridors unless the margin justifies mitigation. Invest in layered security that is to ensure local community engagement, physical measures like lighting, fencing, etc, and insurance is used where available. Build flexible supply chains that have multiple suppliers, alternative routes, and local buffer stock. Purchase kidnap or extortion and political violence insurance for exposed executives and assets. Operational and Infrastructure Risk This is due to failures or shortages in power, roads, ports, ICT, and logistics that increase downtime and operational cost. This matters in Nigeria due to frequent power outages and poor road and port logistics drive firms to run costly on-site generators, incur higher transport costs, and build inventory buffers. Historically, Nigeria has been recognized as a place of significant promise to global business groups and foreign investors looking to establish operations in Africa. These are examples that relate to this risk: Factories running generators raise production cost per unit. Delays at ports are causing stockouts or expired goods for importers. These are ways to manage this risk: Build operations that have redundancy like backup power, alternative suppliers, and SLAs with logistics partners. Move part of the supply chain closer to customers using regional warehouses to lower transport risk. Use data to track downtime costs and calculate return on investment for each mitigation e.g solar plus battery vs. diesel generator is a good idea. Financial and Liquidity Risk This type

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How to Spot Bank Fraud (Protect Your Money)

Naheem Akintoye / October 6, 2025

Bank fraud has become one of the most significant threats to both business and personal finances today. Each day, scammers develop new ideas, methods, and tactics to scam people out of their money by making them reveal sensitive or personal information and approve fake transactions. They can execute this by making fake alerts that look real or impersonating phone calls that sound official because these fraudsters know how to blend in. They are experts at what they do, and that’s what makes them dangerous. By learning how to spot bank fraud, individuals can protect their bank accounts—and it is not just about protecting bank accounts but protecting confidence, data, and financial stability. There’s no need to be a cybersecurity expert to stay safe, but with a few simple precautions like verifying the type of messages received, reviewing accounts, being extra careful with links, and also disregarding “too good to be true” websites, anyone can quickly spot the warning signs before they cause any damage. This article covers common signs of bank fraud, how to respond if it happens, and the practical steps that can be taken right now to secure money. What is Bank Fraud? Bank fraud is any scheme, strategy, or plan that uses deceit to take money or personal financial information from individuals or financial institutions. This happens through identity theft, forging documents, online scams, and phishing attacks on customers. These plans can be executed by small-time individuals or organized groups, and with the use of smart technology, they appear real and legitimate. Common Red Flags That Usually Mean Bank Fraud is Happening These are red flags or signs you need to watch, and if you see one, raise the alarm: 1. You receive unexpected requests for codes, PINs, or passwords This is a big red flag because banks will never—I mean never—ask you for one-time codes, full passwords, or PINs over phone calls, emails, or text messages. If anyone asks for these, then it is most likely, at least a 95-99% chance of fraud, and you need to take action right away. 2. You get pressured to move money immediately, especially via gift cards, crypto, or payment apps Scammers will push you to transfer immediately or use unusual payment methods like gift cards, cryptocurrency, or instant apps. This type of urgency is at the core of phishing attacks. 3. You receive messages or phone calls that look like they’re from your bank but use odd numbers or strange language Messages by SMS and fake calls often mimic banks. What you need to do is check the number against your bank’s official website to see if it is legitimate, and do not click links inside a suspicious text. 4. You notice unusual account activity that you did not initiate New linked accounts, transfers you didn’t make, or small test withdrawals used to validate stolen details are big signs of fraudulent activities. 5. Requests for remote access or to install software For example, if someone calls or texts you to download remote-access software to “fix” a problem, then it is a scam because fraudsters use that access to steal credentials. Real Scam Patterns to Recognize This is to help you name the kind of threat that is happening and how you will act at that moment: Phishing or smishing This is basically the fake emails, calls, or texts you receive that are used to steal login details. Account takeover This is when criminals use stolen credentials or impersonation details to move money. Business email compromise (BEC) This is when fraudsters will fake vendor or executive emails to divert payments from companies or successful individuals. Fake bank alerts or impersonation This is where they make fake phone calls or send fake messages pretending to be your bank, asking for one-time codes, passwords, or PINs. A “too good to be true” message This is where you see something like “you won an iPhone but you need to pay a small amount to get it” type of message. Practical Steps to Spot Bank Fraud This is a checklist you need to use daily or weekly depending on how active you are with your finances: 1. Verify before you act If a caller or message claims to be your bank, hang up and call the phone number on the back of your card or the bank’s official website to confirm the claims. Don’t call numbers in suspicious messages. 2. Enable strong authentication Turn on two-factor authentication (2FA) for all banking and email accounts by using an Authenticator app, not SMS, where possible. Central banks and regulators also recommend 2FA as a key protection. To get this app, go to your Apple Store or Google Play Store and search “Authenticator App”. 3. Set account alerts Enable SMS or email alerts for withdrawals, large payments, and new payees so that you can be notified of suspicious transactions immediately. 4. Check statements and logins regularly Review account history daily or weekly because small unauthorized transactions can be the earliest sign of fraud. 5. Use unique passwords and a password manager Never reuse banking passwords across sites, and a password manager can make strong unique passwords practical. 6. Lock sensitive information Never share account numbers, passwords, PINs, or copies of ID over emails or texts. Shred or destroy physical documents with personal financial information. 7. Be careful with public Wi-Fi Avoid banking on open Wi-Fi networks; use mobile data or a trusted VPN if you must. 8. Train staff and family If you are running a business, then you need to create awareness of bank fraud among employees, and it should be a core training. As for families, teach older relatives and young adults the basics because many victims are targeted because they are unfamiliar with scam tactics, and it is sad because a fraudulent activity can be taking place right now. If You Suspect Bank Fraud These are actions you need to take: 1. Freeze or block the affected account or card immediately Call your bank’s official number to freeze accounts or cancel cards. 2. Change passwords and 2FA methods Update your bank, email, and