BUSINESS
5 Financial Mistakes That Will Cost You Big And How Mintlyn Online Bank Can Help You.

5 Financial Mistakes That Will Cost You Big And How Mintlyn Online Bank Can Help You
We all make mistakes, but when money’s involved, those mistakes can cost us big time. To help you avoid these “money mistakes”, we’ve created a list of the top five financial mistakes our people commonly make. It’s not always easy to stay on the right track financially, but with a little help from Mintlyn Bank, I know you’ll find the right mix to simplify your finances while enjoying your life and building a formidable financial future.
- Lack of Savings
A lack of savings is a money drainer that makes it difficult for you to have emergency funds. It takes away your ability to make important purchases like a home or car, which can make it hard to reach your financial goals.
There are many reasons why people don’t save. Some procrastinate, they believe they will be able to save in the future, but they don’t know when that will be. Others feel like they’re already saving because they pay their bills on time and have an emergency fund. However, most of us have no idea how much we should be saving every month or even our financial goals.
If this sounds like you, then it’s time to take action! Mintlyn Online Bank can help you take control of your finances by setting up an automatic savings plan. Mintlyn Bank with your permission can deploy its save-as-you-buy algorithm to help you maximize your savings by saving a little money for you anytime you make a transaction. By making regular deposits into an account, you can build up enough to cover any unexpected expenses or emergencies without having to worry about depleting your monthly income.
- Not Negotiating Before You Buy
You’ve probably heard the phrase “buy low, sell high” before, right? Well, it’s true—and if you don’t negotiate when you buy something, then you’re missing out on the chance to make money later by selling it at a higher price. Before making a buying decision, shop around, ask Google, and know the price, and the specs, because you’ve worked hard for your money, and you deserve to get the most out of it.
Another way to negotiate better is to always buy in bulk when you can, whether for a service or a product. For example, the unit cost of buying a pack of bottled water is cheaper than the unit cost of buying one bottled water. Due to inflation, prices will very likely be cheaper today than they will be tomorrow, buying in bulk helps protect you from inflation and saves you a lot of money in the long run.
For services, see if you can get them to agree to lower their price significantly now. Allow them the opportunity to make you a happy returning customer.
Mintlyn’s online bank helps people with this kind of thing all the time. We negotiate and get the best prices from our wholesalers. So that our customers will always get the best prices on Mintlyn online marketplace and save money.
- Receiving Financial Advice From Quacks On Social Media
Social media is great for a lot of things. It can be a way to connect with people you know online, it’s a way to share information, and it can even be a place where you meet new friends! But there’s one thing that social media is not good and that is for getting financial advice.
That’s right! The people on social media who pretend to be experts at something, probably don’t know anything about what they are saying and are NOT the ones you should turn to when you need help with your finances.
There is a lot of poor financial advice available on social media. Most of which are in fact, very dangerous and would lead to huge losses and financial ruin for those who listen. If you’re looking for an expert to help you make smart financial decisions, who you choose to listen to is critical.
When we say “expert,” we mean someone who has been through the process of getting their MBA and CPA—and who has worked as an accountant or financial planner before they entered the field of education. We are not talking about someone who learned how to invest by watching YouTube or reading personal finance blogs. We are talking about people who have studied the subject and earned their credentials in order to be able to give sound advice on how you can improve your financial situation going forward.
At Mintlyn Bank, our people know what they’re talking about because they’ve been there themselves—they’ve been in your shoes and lived through the mistakes, they have helped individuals, small businesses, and conglomerates build wealth and become a force to reckon with over a period of time. They have spent years studying and learning from their own mistakes as well as those made by others so that they can help you avoid making similar ones yourself today!
- Investing In Ponzi And Get Rich Quick Schemes
You’re a smart person. You know that the best way to get rich is to work hard, save your money, and invest it wisely. But what if there was a way to get rich without working so hard? What if there were a way to make huge profits with little effort? A lot of people are tempted by these promises and fall for these types of schemes. It’s easy to see why: they promise huge returns with little risk. But they are also scams and they can cost you everything!
Investing in Ponzi and get-rich-quick schemes is a great way to lose your money. These schemes prey on people who want to make money but don’t have the knowledge or experience to invest it in their own way. The schemes offer a fast, easy way to make money without having any knowledge of how the market works or what kind of investment strategy would be best for you.
The problem with these types of programs is that they are very risky. They’re often not regulated, so if you invest and the program disappears, there’s nothing you can do about it. Investing in these programs can also cause damage to your credit score as well as lead to more serious consequences like identity theft or even bankruptcy.
If you’re looking for a way to invest your money safely and responsibly, Mintlyn Bank has many options available for you! We can help you set up an investment in your savings account that gives you 18% interest on every money saved. For every 1000 Naira you save, you get a return of 180 Naira the highest of any financial institution in Nigeria. We also give advice on how much risk you should take based on your own personal goals and situation. You can even set up automatic payments into the account so that you don’t have to worry about missing payments or forgetting when it’s time for another transfer in order to stay on top of things!
- Not Banking With Mintlyn Bank
Despite what you might think, it’s not always easy to tell where your money is going. Can you guess how much you’ve spent on a recharge card for your phone this month? Talking about money can sometimes be the most boring thing in the world! But when you’re making financial decisions that are going to affect your life in years and decades to come, it’s important that you make sure you’re doing everything right. To answer the question, “Why should I bank with Mintlyn Bank?”
Well, I’ll tell you why. It’s not because we have the best interest rates in town (though we do). It’s not because we are the most convenient bank to do business with (though we are). And it’s not because our customer service is the best in the business (it is).
It’s because when you bank with us, your financial mistakes will cost you less money. As a human being, you’re bound to make mistakes—it’s inevitable. But when it comes to managing your finances, sometimes those mistakes can cost you big time. That’s why my bank exists: to help people like you avoid making those mistakes and save money.
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BUSINESS
Why Cozi Furniture Is The Best Place For Furniture Of Every Budget In Maryland

Furniture enhances a home’s beauty, as it tends not just to occupy space but to give it a look that exudes comfort. But there has always been a narrative that high-quality furniture comes with a high cost, as it is mostly for high-end users—this is not entirely true, as you can get furniture pieces within your budget without breaking the bank. One furniture store that is changing this narrative and making affordable, top-quality furniture available to the residents of Maryland, D.C., Virginia, and its environs is Cozi Furniture.
Who Is Cozi Furniture?
Cozi Furniture is the leading furniture store in the DMV area, offering quality home furniture at affordable prices. It has a physical store in New Carrollton, Maryland, and an online store where you can conveniently shop for your furniture products. These are furniture from reputable brands like Ashley Furniture, Crown Mark, and Coaster 22 Premium.

Why Cozi Furniture Is The Best Place For Furniture Of Every Budget In Maryland
Cozi Furniture offers bedroom sets, living room sets, mattresses, home office sets, dining room sets, entertainment sets, outdoor furniture, and accessories in various forms and styles.
What Makes Cozi Furniture The Best Furniture Store For Every Budget?
1. Affordable Prices
Cozi Furniture understands that budget is a top concern for many customers. Hence, it is committed to offering affordable prices on all the furniture pieces at its store. From sofas and loveseats to dining tables and bedroom sets, there is a wide range of furniture for every budget.
Notably, the furniture prices at Cozi Furniture are not what you can describe as “too good to be true” because all the products at the store are of high quality. Its furniture is made with top-quality materials and crafted with attention to detail, ensuring that every piece is stylish and durable. This makes Cozi Furniture the best place to buy furniture in Maryland.
2. Furniture Financing Program
In its bid to make high-quality furniture available to everybody, Cozi Furniture introduced a financing program called “Buy Now Pay Later” that allows you to get your preferred furniture and pay over 48 months with 0% interest. This means that you can purchase any furniture at the store without any down payment, with the opportunity to spread your payment across about four (4) years.
Therefore, you can get the furniture and pay monthly until you complete the payment. This flexible payment plan enables you to afford that comfy Warnerton Living Room Set or the 12-inch Ashley Hybrid King Mattress at the store.
3. Discounted Sales
Cozi Furniture is offering its furniture pieces at discounted prices. So you can save up to 23% on the furniture you buy from the store—both online and offline. For instance, the Mindanao Power Reclining Sofa that used to sell for $1,538 will be available for $1,183. This also applies to the Bolanburg Dining Set and other accessories at the store.
4. Return And Refund Policy
While Cozi Furniture upholds the sale and delivery of top-quality furniture, the company also has a return and refund plan in the event that you’re unsatisfied with the furniture delivered to you. Therefore, you can either request an exchange or ask for a refund. All these are to ensure the optimum satisfaction of its customers.
Cozi Furniture clearly understands the value of spending money on a product, which is why ensuring that the furniture gets a high-quality product in a good state is a greater priority.
Conclusion
Cozi Furniture is undoubtedly the ultimate destination for affordable, high-quality furniture in Maryland. The store is open to customers of every budget, and various features ensure that you create a beautiful and functional home.
Contact Cozi Furniture today to furnish your home with style and class.
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BUSINESS
DealMakers AFRICA Recognizes Top Mergers, Acquisitions, and Dealmakers in West Africa

West Africa’s most significant mergers and acquisitions, along with the financial and legal advisers behind them, have been recognised in the recently released 2024 DealMakers AFRICA Annual Awards. The awards highlight transactions that have shaped the region’s corporate landscape, acknowledging the firms and individuals driving complex deals across industries.
The DealMakers AFRICA awards are determined primarily by objective criteria, assessing the value and number of transactions recorded. However, three categories—Deal of the Year, Private Equity Deal of the Year, and Individual DealMaker of the Year—are selected based on nominations from advisory firms. These are evaluated based on factors such as deal complexity, transformational impact, and potential value creation.

DealMakers AFRICA Recognizes Top Mergers, Acquisitions, and Dealmakers in West Africa
In the West Africa Deal of the Year category, four major transactions were shortlisted. These included Olam Agri’s acquisition of Avisen, Chappal Energies’ purchase of Equinor’s Nigerian business, Renaissance Africa Energy’s acquisition of Shell Petroleum Development Company of Nigeria, and the acquisition of Flour Mills by Excelsior Shipping. The winning deal in this category was the acquisition of Shell Petroleum Development Company by Renaissance Africa Energy, a transaction that aligns with Nigeria’s broader objective of increasing local participation in the energy sector. The deal saw ownership of critical onshore assets consolidated under a consortium of Nigerian companies, reinforcing local players’ roles in the industry. PwC Nigeria, Banwo & Ighodalo, Clifford Chance, White & Case, and G. Elias served as advisers on the transaction.
For the Private Equity Deal of the Year, three deals were in contention, including CardinalStone Partners’ exit from i-Fitness to Verod, Verod and its partners’ investment in Moniepoint, and Adenia Partners’ sale of Cresta Paints to Uhuru Investment Partners. The award was given to CardinalStone Partners for its exit from i-Fitness to Verod, a deal expected to drive i-Fitness’ next growth phase through Verod’s operational expertise and financial backing. The transaction was facilitated by Rand Merchant Bank Nigeria, CardinalStone Capital Partners, Udo Udoma & Belo-Osagie, and Olaniwun Ajayi.
The Individual DealMaker of the Year award, sponsored for the second consecutive year by PSG Capital, recognised five shortlisted professionals: Akinola Akinboboye of Deloitte, Ayotunde Owoigbe of Banwo & Ighodalo, Azeezah Muse-Sadiq of Banwo & Ighodalo, Daniel Adeoye of Verod, and Yewande Senbore of Olaniwun Ajayi. The award went to Daniel Adeoye, a partner at Verod, for his role in executing high-value transactions in the region.
Adenia Partners’ acquisition of Air Liquide subsidiaries across Africa was recognised with the DealMakers AFRICA Special Recognition award. The deal spanned 12 countries across three regions, with Adenia committing up to €30 million over the next five years to strengthen and expand the newly formed entity, Erium. The transaction was advised by Decrop Consulting, Asafo & Co, Fidal Avocats, Deloitte, DPGS & Alliance Partners, and ClassM.
The awards also acknowledged the top-performing financial and legal advisory firms in West Africa’s mergers and acquisitions landscape. PwC emerged as the leading financial adviser by deal value, followed by Rand Merchant Bank Nigeria, Citigroup Global Markets, and Treadstone Resource Partners. Rand Merchant Bank Nigeria and Stanbic IBTC Capital shared the top spot for financial advisory by deal activity.
Banwo & Ighodalo was named the top legal adviser by deal value, ahead of Clifford Chance, G. Elias, and White & Case. In terms of deal flow, Banwo & Ighodalo secured the top position, followed by Olaniwun Ajayi and Herbert Smith Freehills.
For equity transactions, Stanbic IBTC Capital was ranked the top financial adviser by transaction value, while Templars led as the top legal adviser in the same category. In debt transactions, Afreximbank ranked highest by value, while Olaniwun Ajayi led in legal advisory.
DealMakers AFRICA, which launched its awards in 2000 in South Africa and expanded to the rest of the continent in 2008, continues to highlight key transactions that shape African economies. The latest rankings reflect the growing sophistication of West Africa’s mergers and acquisitions landscape, as local and international firms navigate complex deals that are reshaping industries across the region.
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African Development Bank signs $45 million grant agreement with Chad for asphalting of the Kyabé-Mayo road section

The African Development Bank (www.AfDB.org) and the government of Chad have signed a grant agreement worth $44.9 million to finance the asphalting of the 49.5-kilometre Kyabé-Mayo section of the Kyabé-Singako road, including the construction of a 55-metre bridge.
The agreement was signed in N’Djamena on 19 February 2025 by Tahir Hamid Nguilin, Minister of State for Finance, Budget, Economy, Planning and International Cooperation, and Claude N’Kodia, the Bank’s Acting Representative in Chad. Several members of the Chadian government were also present, including the Minister for Infrastructure, Access-Improvement and Road Maintenance, Amir Idriss Kourda, and the Secretary of State for Finance and Budget, Ali Djadda Kampard. Also present was a delegation from the International Monetary Fund, led by its head of mission for Chad, Julien Reynaud,

African Development Bank signs $45 million grant agreement with Chad for asphalting of the Kyabé-Mayo road section
The funding will support one of the Chadian government’s key development objectives through strategic infrastructure improvement.
“The [Moyen-Chari] region, including Kyabé, Singako and Am Timan, has strong economic potential. It is Chad’s main agricultural basin and livestock area, rich in fish resources. Fish are supplied from Moyen-Chari to a large part of the country’s south and even to foreign markets,” stated Nguilin, also the Bank’s Governor for Chad.
The road project will open up southern and eastern regions of Chad, reduce vulnerability, and strengthen the resilience of local populations, especially women and young people. It will improve the transportation of goods and people between Kyabé and Singako by providing an all-weather road, facilitating the flow of agricultural and animal products from the rich areas of Moyen-Chari and Salamat to the consumer centers of Sarh, Moundou, N’Djamena and Abéché. It will also enhance accessibility to Moyen-Chari from neighboring Sudan.
The agreement paves the way for support from the Islamic Development Bank to finance the second section of the 205-kilometer Mayo-Singako-Am Timan at an estimated cost of $275.5 million.
“The African Development Bank is a strategic partner of Chad, particularly in the transport sector. The construction of the road section will reduce the overall cost of transport in Moyen-Chari […] and improve the living conditions of local people thanks to easier access to health and education facilities and to the country’s main consumer centers,” said N’Kodia.
The Kyabé-Mayo section of the Kyabé-Singako road is one of the missing links in the N’Djamena-Moundou-Sarh-Kyabé-
The African Development Bank Group remains a strategic financial partner for Chad, with its strategy paper focusing on two priority pillars: developing infrastructure to achieve strong and diversified economic growth and promoting good governance to increase the effectiveness of public action and the attractiveness of the economic environment.
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