<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"><channel><title>Ask Mr. Tom</title><description>Everything Nigerian youths need to know, from news and money to tech, opportunities, health and mindset, explained simply, every day.</description><link>https://askmrtom.ng/</link><item><title>Why Is Light So Bad Right Now? Nigeria&apos;s Power Drop Explained</title><link>https://askmrtom.ng/why-is-light-so-bad-nigeria-power-drop/</link><guid isPermaLink="true">https://askmrtom.ng/why-is-light-so-bad-nigeria-power-drop/</guid><description>Fewer hours of light this week? Gas shortages and low water at the dams cut power generation. What happened, who&apos;s affected, and what you can do.</description><pubDate>Sat, 07 Nov 2026 20:10:00 GMT</pubDate></item><item><title>Will Nigeria&apos;s New Tax Law Tax Your Bank Transfers?</title><link>https://askmrtom.ng/new-tax-law-bank-transfers-nigeria/</link><guid isPermaLink="true">https://askmrtom.ng/new-tax-law-bank-transfers-nigeria/</guid><description>No, not every credit alert is taxed. What the new tax law really taxes, the ₦50 transfer charge, VAT on bank fees, and who pays nothing. Explained simply.</description><pubDate>Sat, 07 Nov 2026 19:55:00 GMT</pubDate></item><item><title>FG ₦50,000 Grant (NERSI): How to Check If You Qualify</title><link>https://askmrtom.ng/fg-50000-grant-nersi-how-to-check/</link><guid isPermaLink="true">https://askmrtom.ng/fg-50000-grant-nersi-how-to-check/</guid><description>Is the FG ₦50,000 grant real? Who qualifies, how to check with USSD, how to accept and cash out, and how to avoid the scammers. Explained simply.</description><pubDate>Sat, 07 Nov 2026 19:05:00 GMT</pubDate></item><item><title>How to know if a loan app is legit before you borrow</title><link>https://askmrtom.ng/how-to-know-if-a-loan-app-is-legit/</link><guid isPermaLink="true">https://askmrtom.ng/how-to-know-if-a-loan-app-is-legit/</guid><description>Check the FCCPC register, spot the red flags and know your rights. A simple guide to borrowing safely from loan apps in Nigeria.</description><pubDate>Sat, 07 Nov 2026 15:20:00 GMT</pubDate></item><item><title>How to spot a WhatsApp scam before it costs you money</title><link>https://askmrtom.ng/how-to-spot-a-whatsapp-scam/</link><guid isPermaLink="true">https://askmrtom.ng/how-to-spot-a-whatsapp-scam/</guid><description>The most common WhatsApp scams in Nigeria, the warning signs to watch for, and exactly what to do if someone targets you.</description><pubDate>Fri, 06 Nov 2026 00:00:00 GMT</pubDate></item><item><title>How to protect your BVN and NIN from fraudsters</title><link>https://askmrtom.ng/protect-your-bvn-and-nin/</link><guid isPermaLink="true">https://askmrtom.ng/protect-your-bvn-and-nin/</guid><description>Your BVN and NIN unlock your bank and identity. Here&apos;s who should never ask for them, the tricks fraudsters use, and simple habits that keep you safe.</description><pubDate>Thu, 05 Nov 2026 00:00:00 GMT</pubDate></item></channel></rss>