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Jhero23
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Do you want to study abroad? Then you’re already aware that tuition and living expenses may rapidly mount up to a sizable college budget. Scholarships, fortunately, provide the critical financial assistance that so many students require. This is the reason ...Read more

Do you want to study abroad? Then you’re already aware that tuition and living expenses may rapidly mount up to a sizable college budget. Scholarships, fortunately, provide the critical financial assistance that so many students require. This is the reason you need to get a scholarship to study abroad.

What is a scholarship?

A scholarship is defined as “an amount of money granted by a school, college, university, or other organization to pay for the studies of a person with high talent but little money” by the Cambridge dictionary. I’d want to add that certain scholarships are more flexible, enabling all students to apply regardless of academic ability or financial situation.

Scholarship is a bit different from Grant. Scholarships and grants are both forms of gift aid, which means students do not have to repay the funds. However, grants are typically based on need and are regularly awarded to young people who cannot pay the price of their studies. Most scholarships, on the other hand, are granted based on intellectual, athletic, or creative talents once you know how to work your way.

Who can apply to get scholarships?

PhD students: if you are pursuing a PhD, you have a strong chance of being financed. At this stage in your academic career, you may be a great addition to your institution by assisting them with teaching and research. You can also receive a fellowship award, which means that universities, businesses, people, or governments will fund your study. This is especially frequent if you pursue a PhD in a technological field that is of interest to numerous firms.

Master students: as a Master student, you have earned valuable expertise and can assist a lecturer or the administrative staff at your university. This generally entails around ten hours of work each week in exchange for free education. The actual amount will vary according on the university; some may even cover your living expenses, while others may pay you a regular wage.

Academically talented students have a greater chance of receiving a scholarship to study abroad, especially if they also perform well on the requisite entrance examinations. This is especially true if you apply to a university that is not at the top of the rankings, as attracting excellent students can help them improve their rating.

Students with a unique skill: Many colleges, particularly in the United States, provide scholarships to individuals who are exceptionally talented in athletics, music, or other fields, since such students may assist to improve the university’s team and put the institution on the map if they become well-known.

Poor students: one typical criterion for scholarships to study abroad is the student’s family’s economic situation. Many scholarships are designed to assist low-income students in obtaining a decent education, whereas students from more affluent households are expected to support themselves. Many prestigious universities, such as Harvard, have extensive financial assistance schemes with predetermined amounts that you can get based on your family’s income, with virtually all of your tuition price paid if you come from a low-income household. The primary issue here is just being admitted into these colleges in the first place.

How can you apply for a scholarship?

Begin preparing your paperwork after you’ve identified a scholarship to study abroad for which you may apply. A typical application procedure is as follows:

  • Fill out an online application form to apply for the scholarship.
  • Check your inbox to ensure that you have got the confirmation email.
  • Make a personal statement or write an essay. There are plenty of models on the internet, but remember to stand out by sharing your unique experiences and thoughts.
  • Obtain formal documentation of your academic, athletic, or creative accomplishments. Translate the paperwork if necessary — which is generally the case.
  • Alternatively, obtain formal documentation of your poor income or nationality (for region-based scholarships).
  • Check all papers for mistakes before sending them to the scholarship provider.
  • Submit the university’s admission letter (or an official document from the university showing your admittance). You will not be eligible for the scholarship unless you indicate that you will commence studies.
  • Wait for the outcomes. Congratulations if you were chosen; you are a winner! Throw a party, but don’t spend all of your scholarship money on it. Just joking; your tuition is generally paid straight to the university or institution (or a part of it).

Here is a video to guide you, the type of scholarship to apply to and how to do this.

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Jhero23
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Please bear in mind that I am writing this post in comparison between these two fin-tech giants (flutterwave vs paystack) as a software engineer. I have used these two platforms over the years and it is time for me to ...Read more

Please bear in mind that I am writing this post in comparison between these two fin-tech giants (flutterwave vs paystack) as a software engineer. I have used these two platforms over the years and it is time for me to give you my honest but unbiased opinion about them.

Let’s consider these them based on 5 categories

  • Country coverage
  • Rate of charge (- processing fee)
  • Ease of use and friendliness
  • Popularity
  • Support – (in terms of response time)

Without further story, let’s dive into it. Shall we?

Country Coverage: The both companies targets the African market and tries to steal our hearts with their services. Of cause, the African market is huge making about $600m or more of the entire market in the world right now by CGTN with the largest fintech residing in Nigeria amongst who are flutterwave and paystack. Paystack according to their website only supports 3 countries; Nigeria, Ghana and South Africa for reasons best known to them, while on the other hand flutterwave according to their website, supports 15 countries; Cameroon, Egypt, Ghana, Kenya, Malawi, Nigeria, Cote d’Ivoire, Mozambique, Morocco, South Africa, Zambia, Rwanda, Tanzania, Gambia and Mauritius.

Aside from these, I had cause to integrate a payment solution in D.R Congo and even though this country was not listed on their signup page, I was able to integrate by contacting their support team. So on this category, FLUTTERWAVE WINS.

Rate of Charge: It is important for all fintechs to state their rate of charges i.e processing fees. Of cause they are out there to make money haven provided an easy payment integration solution for businesses. This category is actually based on country so I’ll use Nigeria as case study. Paystack charges 1.5% + N100 for local transaction and 3.9 % + 100 for international transaction with a cap of N2000 (means charges cannot exceed 2000), they also with waive the N100 for transactions under N2500. On the other hand, Flutterwave charges 1.4% with a cap of N2000 for local transactions and 3.8% for international transactions. The numbers speak for themselves and flutterwave seem to have lower processing fee charges. So on this category, FLUTTERWAVE WINS.

Ease of use and Friendliness: This category is very subjective to be honest. I say this because, there are many angles to look at this from; like i said before, I am doing my comparison as a software developer. A regular user may not agree with me on my opinion. Having said that, I found the Paystack documentation and API much easier to use and integrate than that of flutterwave. Also looking at their website landing pages for regular users to sign up, create things like stores or just to have a dashboard, I’ll still give it to Paystack on this one. I can say for sure that paystack’s platform was modelled after Stripe’s who eventually acquired them in 2020 So for this category, PAYSTACK WINS.

Popularity: This category is really dicy because Paystack was founded in 2015 and flutterwave was fouded a year after that, 2016, but the fact that flutterwave operates in 15 countries and paystack in 3 speaks for itself. More people know flutterwave than paystack now. Also, I should say that flutterwave has built more relationships with Asia, and particularly in China with the likes of Alibaba’s Alipay. So for this category, FLUTTERWAVE WINS

Technical Support (response time): Again, this is based on my personal dealings with flutterwave and paystack support teams. I’ll cut right to the chase. Flutterwave’s support team were very helpful when I had a little difficulty integrating their API, but they responded poorly in terms of response time, I really don’t know why, and then I found Paystack’s team to be very diligent and pain-staking with fantastic response time for a small issue I had. In fact, I didn’t have to contact them for integration because the documentation was clear right out of the box. So for this category, PAYSTACK WINS

SUMMARY: Flutterwave vs paystack

I have considered 5 key points in form of categories to base my comparison and like I said, this is my personal opinion. You may have a different opinion or experience about these two giants, but in summary, I think I will stick with Flutterwave because they have wider coverage for my clients, lower processing fees and though their support team is a bit slow, they are still very helpful once you reach them.

So that’s all for now guys… If you have a different opinion about this, kindly leave a comment on this post

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Jhero23
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Terms that musicians mix up are quite a lot, there’s a ton of terminologies Note:  A note is a notation representing the pitch and duration of a musical sound. Every note must have a PITCH or a duration PITCH:  Pitch is the ...Read more

Terms that musicians mix up are quite a lot, there’s a ton of terminologies Note:  A note is a notation representing the pitch and duration of a musical sound. Every note must have a PITCH or a duration PITCH:  Pitch is the highness or lowness of sound; or how high or how low a note sounds; scientifically, pitch is a perceptual property that allows the ordering of sounds on a frequency related scale. Duration: This is the amount of time taken for a note to sound; how long or how short a note/phrase/section sounds Modulation:  Modulation means changing the tonality; process of moving a collection of notes up or down in pitch by a constant interval. It is often confused with transposition. Transposition:  This is the art of playing or writing music in a way that makes it sound higher or lower either by playing the music in  a different key or moving up or down an octave without changing the key BMP: Beats per minute; 80 bpm is slower than 90bpm Compression: This term is particular to music producers; it has the ability to reduce peaks or raise the noise floor depending on how the parameters are set. DAW: Digital workstation; a software in which you can record, edit, mix and arrange your song; e.g. Garageband, Logic Pro x, Fruity loops etc. Melody:  This is a rhythmic succession of single notes organized as an aesthetic whole. It’s simply single notes Harmony: This is the combination of simultaneous music notes in a chord. A chord on the other hand is three or more notes sounded simultaneously. Parts of a music sheet: Treble is the highest voice is any harmonic music, alto is below it on the treble stave. Tenor notes are on top in the bass stave while bass notes are below Mastering: This is the final process in music production and audio engineering. It involves compression, balancing, widening, preparing the audio for distribution. Octave: A ladder of 8 notes; a sequence of 8 notes in ascending or descending order. Reverb: A lot of people say reverb for echo, they are not the same; Reverb is a time based effect used to create space in the mix e.g. room reverb, hall reverb etc. Read less
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cs69
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Dee20
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There’s a serious shortage of N-95 masks in the market currently but while waiting for them to become available, can we get instructions of the T-Shirt Mask that has been trending online?

There’s a serious shortage of N-95 masks in the market currently but while waiting for them to become available, can we get instructions of the T-Shirt Mask that has been trending online?

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