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TOP 10 HOLIDAY GIFTS ITEM FOR LOVED ONES, EMPLOYEES, SCHOOL TEACHERS AND THE NEEDY

1.    TRAVEL KIT BAGS: - A Travel kit is a small toilet bag, made of leather, vinyl, or cloth, that is used for storing grooming tools for travel. Common items kept in a travel kit bags are deodorant, a razor, shaving cream, comb, shampoo, nail clippers, scissors, toothbrush, toothpaste, sponge, make-up items, soaps, looking mirror, cologne, etc.

2.    GIFT BASKET/HAMPER :- A basket with a carrying handle and a hinged lid, used for food, cutlery, and plates on a picnic. However, the hamper and the gift basket has become an object of importance most especially during the festive periods and end-of-the-year holidays.We are all familiar with the razzmatazz of the yuletide season and usually we expect to get one or two hampers from our clients or well wishers.

3.    MUGS/TEACUPS :- This is a cup out of which tea may be drunk,it is usually  larger than a coffee cup. Also, we have several set of mugs/teacups with beautiful designs and inscriptions. They have become one of the best ideal gift which nobody can reject no matter how highly place the person is.

4.    BAGS OF RICE:-  This is a small white or brown grains that come from a southeast Asian plant and that are used for food.Rice is the most popular food in Nigeria after Garri, Bread and Beans. Whenever the season break approaches,companies usually ordered for bags of rice and shared to the members of staff. Similarly,during the Easter,Eid-il-Fitri and Eid-il-Kabir festival, some individuals, companies and government parastatals equally distribute the staple item to their staff,friend and loved ones to enable them enjoy the festive period.

5.    LIVE TURKEY/CHICKEN :- They are domestic fowl kept for their eggs or meat, especially a young one.Live Turkey or chicken is a step ahead in the sharing of gifts during the yuletide season. Many people always look forward to this period of the year when they will show off with their giant live Turkey/chicken to their neighbours and families

BANK CHARGES: A FRAUD OR A FEE?

I would like to crave the readers’ indulgence to permit me express my opinion in the simplest language as a layman who does not understand the workings, laws and rules of the financial institutions. Having had a brief stint as a marketer in one of the new generation bank I can confidently analyze the drama associated with customer’s complaints whenever issues of spurious charges and illegal deductions rears its ugly head while in the employment of the bank. As a staff of the bank in those ‘BANK TARGET’ era of banking operations, not many of us really understand the pain and emotional difficulties experienced by bank’s customers whenever they complain of deductions as miserly as N100, but five years down the lane I was out of that corridor of the financial institutions and I know where the shoe really pinches. I can tell the values of peanuts and crumbs as an entrepreneur, I know what it cost to gather resources, to build funds in your bank account and ultimately smile home at the end of every project.

Consequently, there are some bad times for entrepreneurs when N100 will make a difference and save an ugly situation such as dishonoring a cheque as a result of deductions never envisaged. I have witnessed many a times customers closure of their bank account because some charges the bank could not explain were carried out on the aggrieved customer’s account. Whether the bank apologizes or return the funds back to the account will still not hold back the ill feelings associated with these manipulations by the banks. My wife had an experience with her bank sometime on a Saturday in April 2014, she attempted to withdrew money from FCMB ATM Akute Ogun State,and