Lifestyle
Why you should avoid borrowing money from loan sharks

The rise of loan sharks in Nigeria has become unimaginably high. There are now so many that you can hardly go a whole week without getting at least one message from a loan shark inviting you to take a loan.
But here’s free advice—don’t! Yes, you heard that right. The best way to deal with loan sharks is to avoid taking any loans from them at all.
Remember, loan sharks are unlicensed money lenders who charge very high interest rates and sometimes use threats and violence to frighten people who can’t repay their loans.
Today, let’s focus our attention on all the numerous reasons you shouldn’t borrow money from these loan sharks.
They typically have a high and unimaginable interest rate
This is, in fact, the most obvious characteristic of loan sharks. While licensed money lenders will charge you minimal interest over a long time, loan sharks charge you outrageous interest over a short time.
They play on borrowers’ desperation to request outrageous interests that often surpass the initial money collected.
ALSO READ: Court orders arrest of top bank officials over ₦1bn loan scandal
You’ll get threatened for not paying on time
Loan sharks are known for their insults and threats. They teach their workers and loan collectors to be uncouth and aggressive. So, once your loan is due, they’ll call you and begin raining insults and threats.
Some don’t even wait until the loan is due. Remember, they’re unlicensed and can’t recover loans through legal means. So, they’ll instead opt for significant threats to scare borrowers. If you can’t stand these threats, you better avoid them altogether.

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They’ll defame you
Yes, we know how friendly loan shark agents can seem to appear when advertising their platforms to you. But don’t fall for it. They’re also some of the most aggressive organisations out there.
Things can quickly turn south when you don’t pay on time. And, of course, you know that unforeseen circumstances can cause you to delay repayment. Some will go as far as copying the contacts from your phone and sending them unsolicited messages and calls that defame your character.
Borrowing puts you in a circle of debts
ALSO READ: 92 loan companies secure full approval to operate in Nigeria as registration deadline nears
We once created a support group where victims shared their stories about their experience with loan apps. Unfortunately, most people agreed that once they fell into the loan sharks trap, leaving was almost impossible.
They found themselves borrowing from more sharks to settle other loan sharks. This means they’re forced to pay outrageous interest across different platforms. No doubt, this can quickly eat into your personal finances, causing you sadness and depression.
So you see, nothing good ever comes out of these loan sharks. Instead, if you need money to solve a problem, approach family and friends for help. Or contact legitimate borrowers to avoid falling into the unending cycle of facing embarrassment from loan sharks.
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Lifestyle
Top 10 herbs to boost male fertility

Male fertility is a crucial aspect of reproductive health, yet factors such as stress, poor diet, and environmental toxins can negatively impact sperm quality and overall reproductive function.
While medical treatments are available, natural remedies, particularly herbs, have long been used to support male fertility by improving sperm count, motility, and hormonal balance. If you’re looking for natural ways to enhance fertility, here are ten powerful herbs that may help.
1. Maca Root
Maca root is widely known for its ability to boost libido and energy levels. Studies suggest it can also improve sperm concentration and motility, making it a popular choice for men looking to enhance their fertility.
2. Ashwagandha
Ashwagandha, also called Indian ginseng, has been used in Ayurvedic medicine for centuries. It helps reduce stress, improve testosterone levels, and enhance sperm quality, making it an excellent herb for male fertility.
3. Ginseng
Korean and American ginseng are known for their adaptogenic properties, which help the body cope with stress—a major factor affecting fertility. Ginseng can also enhance sperm production and improve erectile function.
ALSO READ: 5 male fertility myths you should stop believing

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4. Tribulus Terrestris
This herb is commonly used to support male reproductive health by increasing testosterone levels and improving sperm motility. Tribulus is also believed to enhance libido and overall sexual performance.
5. Fenugreek
Fenugreek contains compounds that help regulate testosterone and improve sperm quality. It is also known to boost stamina and energy levels, which are essential for reproductive health.
6. Tongkat Ali
A traditional herb used in Southeast Asia, Tongkat Ali is known for its ability to increase testosterone levels, improve sperm concentration, and enhance overall male vitality.
7. Nettle Root
Nettle root is rich in compounds that help regulate hormones, particularly by supporting healthy testosterone levels. It also helps improve prostate health, which plays a vital role in fertility.
EXPLORE: Weight loss can boost sperm count
8. Saw Palmetto
Saw palmetto is well known for supporting prostate health, but it also helps balance hormones and improve sperm production. It is commonly used to manage conditions like low libido and hormonal imbalances.
9. Moringa
Moringa is packed with essential nutrients, antioxidants, and anti-inflammatory compounds that support overall male reproductive health. It has been linked to improved sperm count and motility.
10. Garlic
Garlic is a natural immune booster with powerful antioxidant properties. It helps improve blood circulation, including to the reproductive organs, which can support sperm production and overall fertility.
Herbs have been used for centuries to promote male fertility by supporting hormonal balance, sperm health, and overall reproductive function. While these ten herbs can be beneficial, it’s essential to maintain a healthy lifestyle, eat a balanced diet, and manage stress for the best results.
If you are facing fertility challenges, consult a healthcare professional before starting any herbal supplements to ensure they are safe and suitable for your individual needs.
RECOMMENDED: 7 herbs women can take for fertility boost
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Lifestyle
Ramadan Day 18: Prayers, Dua, and Hadith for strength & blessings

Alhamdulillah, we have reached the eighteenth day of the blessed month of Ramadan.
ALSO READ: Ramadan Day 17: Replenish your iman with prayer, dua, hadith
As we fast today, let us be reminded that it is a time of deep reflection, increased devotion, and renewed connection with Allah. The sacrifice of fasting strengthens our faith, purifies our hearts, and draws us closer to His mercy.
Ramadan Day 18 Prayer
“O Allah, grant me sincerity in my worship, steadfastness in my faith, and patience in my trials. Purify my heart, forgive my sins, and accept my fasting as an act of devotion to You. Ameen.”
Ramadan Day 18 Dua of the Day
“Allahumma innaka ‘afuwwun tuhibbul-‘afwa fa’fu ‘anni.” “O Allah, You are Most Forgiving, and You love forgiveness, so forgive me.” (Tirmidhi) This powerful Dua reminds us to seek Allah’s mercy and forgiveness, as He is always ready to pardon those who turn to Him with sincerity.
Ramadan Day 18 Hadith of the Day
The Prophet Muhammad (PBUH) said:
When the month of Ramadan starts, the gates of Jannah are opened, the gates of Hell are closed, and the devils are chained
— (Bukhari & Muslim).
ALSO READ: ₦49m for tuition in Nigeria’s most expensive secondary school
This Hadith serves as a motivation for us to increase our good deeds and take advantage of the immense blessings available in this sacred month.

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Ramadan Day 18 Quotes
“And whoever fears Allah – He will make for him a way out and will provide for him from where he does not expect.” (Quran 65:2-3)
“The best among you are those who have the best manners and character.” – Prophet Muhammad (PBUH)
“Ramadan is about losing sins, not weight.”
Tahajjud for Day 19
Tahajjud is a powerful night prayer that brings us closer to Allah. On the 19th night, dedicate some time to supplicating for your needs and seeking His blessings.
As we move closer to the last 10 days of Ramadan, let’s strive to increase our worship, strengthen our connection with Allah, and seek His forgiveness. May this blessed month bring us closer to Jannah and fill our hearts with peace. Ameen.
READ MORE: #TinubuIsATerriblePresident, #30DaysRantChallenge – NYSC Member’s viral video sparks hashtags
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Lifestyle
2025 World Oral Health Day: Pepsodent organizes dental health program in 20 states

…targets 3 million people in 2025 through its various initiatives
In commemoration of the 2025 World Oral Health Day, Pepsodent, a leading global toothpaste brand, in collaboration with the Nigeria Dental Association has launched its dental health campaign themed “Talk to A Dentist”. The campaign aims to reach 3m Nigerians this year, surpassing 2024 reach of 2.4m.
L-R: Brand Manager, Pepsodent, Miss Mary Akindola; Permanent Secretary, Federal Ministry of Budget and Economic Planning, Dr. Emeka Obi; President, Nigerian Dental Association, Dr. Emedom Elias; Director/Head of Dentistry Division, Federal Ministry of Health, Dr. Gloria Uzoigwe and Personal Care Research & Development Head of Africa, Unilever, Mr. Uchenna Nwakamma, during a press conference for the 2025 Pepsodent World Oral Health Day held at Unilever’s corporate head office in Lagos today.
Speaking during a press conference to herald the commemoration of the 2025 World Oral Health Day, Brand Manager, Pepsodent, Mary Akindola, stressed the need to instill good oral hygiene habits among children by ensuring they brush day and night for at least 2 minutes.
She further disclosed that part of the brand’s mission was to drive behavioural change among Nigerians by ensuring that brushing twice daily becomes a universal habit.
Akindola described good oral health as a fundamental human right for everyone, regardless of socioeconomic status or location.
According to World Health Organization (WHO), about half of the world’s population suffers from oral health conditions, ranging from mild to severe cases. Yet, many do not take action until their condition becomes critical. One of the most prevalent oral health issues is tooth decay, with an estimated two billion adults silently battling cavities. If left unaddressed, these cases have long-term consequences.
In 2025, our goal is to expand Pepsodent Schools Program to reach 2.7m pupils while dental camps activations are projected to reach 300,000 Nigerians, targeting key regions in the North, West and East, she said.
Speaking further on the plans, she revealed that Pepsodent and Nigerian Dental Association have scheduled dental camp activations across 20 states in Nigeria and the FCT. She explained that the activations, which would afford people from various communities to participate in oral hygiene education, dental screenings and dental treatment, will take place in 5 locations in South-West, 8 locations in the East and 7 locations in the North.
The list of identified states for the activations include Lagos, Ogun, (Oyo)Ibadan, Osun, Ondo, Edo, Delta, Enugu, Rivers, Akwa Ibom, Abia, Anambra, Cross River, Kano, Katsina, Kaduna, Borno, Plateau, Nasarawa, Niger and FCT Abuja.
“In addition to the dental camps, Pepsodent will reach 30,000 pupils with oral health education and oral screening, across 50 schools in Lagos, Ibadan, Port Harcourt, Enugu and Abuja, in celebration of the World Oral Health Day”, she said.

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In his remarks, Personal Care, Research & Development Head of Africa, Unilever, Uchenna Nwakanma, stated that Unilever, through Pepsodent, remains absolutely committed to boosting oral health awareness and increasing access to dental care globally, as demonstrated by the various programs and partnership embarked upon by the company adding that the goal is to eradicate oral disease for everyone.
According to Nwakanma, the series of activities undertaken by the brand to commemorate World Oral Health Day have reached 640,433 Nigerians in 5 years.
Since inception, the Pepsodent schools program initiatives have reached 9.1m pupils in Nigeria. With the plan to reach 2.7m pupils in 2025, the program is projected to reach 11.8m Nigerians by the end of 2025, surpassing the projection of reaching 10m pupils by 2025.He noted that prevention remains the most potent and effective strategy in the fight against oral disease, adding that awareness among children was crucial in setting them up for a life free of preventable oral health conditions.
Unilever is deeply committed to transforming oral health awareness and access to dental care globally. To us, World Oral Health Day is a day to re-emphasize the importance of oral health to overall well-being, and of course encourage call to action from industry stakeholders and the populace to drive good oral care hygiene within their sphere of influence and access professional dental care regularly, he said.
In his remarks, the President of the Nigerian Dental Association, Dr. Elias Emedom, commended Unilever Nigeria Plc for its continuous partnership in promoting oral hygiene in the country.
Emedom further highlighted that the connection between oral health and mental well-being, stressing that limited access to oral healthcare and poor awareness are contributing factors to the rising burden of oral diseases in Nigeria. He reaffirmed the association’s commitment to collaborating with government agencies and healthcare providers to promote oral health and improve overall well-being.
This year’s FDI theme ‘A healthy mouth is a happy mind’ highlights and seeks to draw attention to the importance of the relationship between oral health and mental wellbeing. Nevertheless, we are confronted with peculiar challenges in promoting oral health in Nigeria. Oral diseases are largely untreated due to limited access to oral healthcare and poor oral health care practices, amidst poor oral health awareness contribute to increase in the burden of oral health diseases. This greatly impacts negatively on our national health, quality of life and productivity, he said.
Also speaking, the Director/Head of the Dentistry Division at the Federal Ministry of Health, Dr. Gloria Uzoigwe, acknowledged the government’s efforts to improving oral health policy, emphasizing ongoing initiatives to integrate oral health into primary healthcare.
Uzoigwe commended Unilever for its partnership as demonstrating the power of public-private collaboration in achieving common goals.
Furthermore, she extended her heartfelt gratitude to all stakeholders stating that together they will achieve a healthier Nigeria, where every citizen has access to the best oral health care and education.
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