Good morning readers and a happy new month of November, the eleventh (11) month of the year 2021.
A happy new month to you, your friends and your family from Crystal News Team.
Crystal News reports that every first day of a new month, many expect good wishes from their friends, family members, and loved ones, hence, a need to compile one.
Below are 100 Happy new month messages, new month prayers, new month wishes to send to your friends and family members
1. Forget all the mistakes of the past, look forward to making the most of this month. Happy new month to you!
2. I wish you all a happy new month, a month filled with prosperity, happiness, love and good health.
3. May this new month in your life mark the start of greater things to you and family; wish you a happy new month!
4. As this new month begins, I really hope you let go of your burdens, sorrows and begin a fresh chapter of your life filled with peace love, and everything nice and bright. Happy new month.
5. In this New Month, I wish you a glorious and a fantastic start. It’s a brand new month for you to fulfill all your desires which are surely feasible. Happy new month.
6. Happy New Month, my dear. I wish you to achieve the very best of your hopes in the remaining days this month. I know that this New Month will reveal its goodness towards you and your family. Happy New Month.
7. In this New Month, your pains will be in the past, and your gains will be exalted because you shall have dominion over your challenges. Happy new month, I wish you a very blessed month ahead.
8. Welcome to the New Month where you shall regain opportunities to multiply your struggle as you continue to from grace to dominion. I wish you the very best life will offer this month. Happy New Month.
9. This New Month shall bring you Joy, Love, Grace, Hope, Cheers, and Happiness. This Month you shall look fresher and do more significant things than the past months. Happy New Month.
10. I wish that this New Month will provide a plethora of reasons for you to cheer. I pray that this New Month puts on a higher level. May this New Month bring you glory and dominion. Happy New Month!
11. It is indeed amazing to know that you made it to this New Month. I wish you the very best successes as you journey through life this New Month. Happy New Month.
12. I hope you enjoy a Happy New Month from the bottom of my heart. I pray that this month will never bring negativity to you but rather opportunities to convert them to positivity. I wish you a very Happy New Month.
13. You have always been instrumental in my wellbeing, and I am happy to welcome you once more to an excellent brand new month. I wish you more peace and happiness. Keep smiling always. Have a Happy new month, dear.
14. Welcome to the month of smiles and God’s goodness. You are alive because of the grace that covers you. For being such a great and amazing person, I wish you a beautiful new month from the first day of this month to the very last day.
15. Your new month will be brighter than the morning sun, cute as a butterfly and lovely as you are. Have a fantastic month that compliments your beauty. A happy new month to you.
16. Thank you for being the one who brightens my mood when the world seems to be ending. For every encouraging word you say to me, may a smile never leave your face. Go ahead and have a beautiful month of Blessing.
17. You are a blessing because you light up my life with hopes and I gladly exist to give you all the good love you truly deserve. You will have a wonderful month better than the one you just left. Have a great month ahead, my love.
18. I wish many more sweet memories of this new month. I hope you find the excellent opportunities you have been seeking. May there be the manifestation of God’s greatness in your life. Your new month has arrived with love and warmth. They are all for you dear.
19. It is a new month with new adventures and unquantifiable opportunities. Take advantage of this particular first day and change something about your life today. There is power in spoken words, say your wishes and watch how it comes to pass.
20. May happiness locate you as you start this new month. May good health be your portion and let God’s will speak in your life. Here is a refreshing new month that will crown all your efforts. A happy new month to you my dear. Live life to the fullest.
21. I do not only wish you a happy new month but another 30 days of joy. Start the month with good thoughts and know that all your heart desires will be fruitful this month. Have a fantastic brand new month.
22. I am passionate as I write to you. I wish you a fabulous new month. Grace into it in grand style and always remember that my prayers and good thoughts are still there for you. Enjoy the new month.
23. Open your heart to possibilities and opportunities this new month. I am sending you a truckload of laughter and happiness that will last you all through the days this month. Know that there is always a reason to be happy as long as you are breathing.
24. Step into the new month with smiles because you are a blessing to those around you. Keep it at the back of your mind that dreams do come to pass no matter how big they seem. Chase your goals this month and have fun as you do. Happy new month.
25. I wish you all the happiness heaven can give today because you are about to enter a season of fulfillment. I hope you find the best in this new month. Wear your smile as you go through the days of the month.
26. Have a fabulous new month and may the beautiful colors that come with the month beautify your life. Keep being open-minded and the best will find its way to you. May the month bring you closer to your heart desires.
27. You are steps away from your month of abundance. Look ahead and see the bundle of happiness and bundle of joy waiting for you there. I know that the new month has so much in store for you. Enjoy the incredible feeling the new month brings.
28. You advance as every single day goes by and as further months surface. Accept the new status and get better like fine wine. The new month comes with a change, and I am sure that you will be experiencing a whole lot of amazing things this new month.
29. May this new month bless you will sweet moments that money can’t buy. I wish the new month brings you nothing but the best. May all your unfulfilled wishes be granted. I love you every day, happy new month.
30. Embrace the new month as it approaches you with too many life goodies. I wish you a colorful new month that will leave you better than you were in the past. Time is everything and this new month is giving you more time.
31. The new month is here for you. Accept it because it is better than being in the past. Brush up yourself from the disappointments be ready for the next opportunity facing you. Have a fantastic new month.
32. Always keep a smile on your face as you advance into this new month. Check out the opportunities for the new month and know that it keeps getting better. I wish you a happy new month with all the love in the world. You are special always.
33. New month presents you with a new life and new opportunities to do things differently. No matter what comes your way, remember to keep a smile on your face because the world smiles at those that are happy with themselves. Happy new month.
34. I wish you all the happiness and pleasures you have always carved for this month. All you have been through in the past month is meant to make you healthy and not break you. Life is smiling at you because it is your new dawn.
35. Let the sunshine of this first day of the month shine on you. I know that your life is about to be more colorful than it used to be when the blessings of the new month come on you. I wish you a fantastic new month.
Happy New Month Messages For Loved Ones
36. The new month is making your life more colorful and fulfilled as you expect. The love, peace, and happiness that you have secretly wished for will be all yours this new month. Be prepared for what is coming is big. Happy new month.
37. Life is going to be good if it was terrible and it will be better if it was formerly good. I wish you the best of lucks in the forthcoming month and remember that I will keep praying for your heart desires to come true. You are on your path to greater heights.
38. The new month is knocking on your door with a basket filled with love, care, and happiness. Open up and welcome it in because you are the spotlight for the month. Let all your wishes become realities. Happy new month dear.
39. This month is offering you another 30 days of smiles. Will you accept and make the best of the new month or will you reject and dwell in the past? You have the answer yourself. I wish you all the best in this coming new month.
40. I hope you find smiles, joy, and delight in the next 30 days of your life. I wish you a beautiful new month ahead. Knowing that you are happy makes every day of my life better than it used to be. Happy new month, my dearest.
Happy New Month Wishes
41. I want you to celebrate this new month alongside me because my wishes are for the new month to be beautiful like the butterflies and tender like the flowers. It is another new month of happiness and fun. Have a blastoff new month.
42. I wish you a new month that will bring you the good things in life. You are way closer to your dreams with the passing of each day. Be happy that you are in a new month. I wish you the best at all times.
43. The goodies of this new month in your life will be there for all to see. Approach the month with a winner mindset and new focus. Only with those two tools can you conquer anything that comes to you in life.
44. The new month is a fresh start. A hope to build on and a brand new chance to make things different from the way they used to be. As you step into the new month, know that life is too short to complain of your loses all the time. Be happy and enjoy the rest of the month.
45. It is a month of merriment. Be the best you can be and keep a clean heart because what the new month brings is far better than what the past month took away. You are on your path to success so keep up the faith and have a fantastic new month.
46. Time doesn’t stop for anybody, and you have to make use of every opportunity the new month gifts you. It is undoubtedly going to be a lovely month for you; all you have to do is make the best out of it. Happy new month.
47. This new month is your new dawn of unending testimonies. There is nothing between you and your destiny. You are in charge now, and I pray your tomorrow to be brighter than your today. Happy new month, dear.
48. In this new month, you only need to look back at the things you left in the past month and thank God. Look forward, and always believe that things will keep getting better. Cheers to the goodies the new month have in store for us.
49. Feel the first Sun of this new month on your skin and be happy. Not so many people have the privilege to be alive as you are. As long as you are alive, there is no limit to what you can achieve. Happy new month.
50. Never let your worries weigh you down. As long as you keep breathing, you will always turn your fears around. I wish you a shinning month with loads of sweet wishes. Enjoy every inch of the new month.
51. In this new month, may you always testify as you live, and may you receive more than a downpour of rain of blessings? Happy new month.
52. May this new month and beyond bring to you the perfection of your dream and aspirations. Amen. Happy new month.
53. May there be pleasant surprises, loads of joy and infinite happiness for you, this month, in Jesus name. Happy new month.
54. May this month bring to you double grace, double abundance, double honour, double promotion, double portion and double everything, by God’s grace. Amen. Happy new month to you.
55. In this new month, may God usher you into your divine faithfulness and breakthroughs. Happy new month dear.
56. I wish you a happy new month filled with God’s quick response on every side and everything you touch shall be a blessing. Happy new month to you.
57. As you enter the new month today, may the Lord provide for your needs according to His riches in glory. Happy new month.
58. In this new month and beyond, may all abandoned projects begin to rise for your favour in Jesus name. Happy new month.
59. In this new month, may God take you to your promise land in Jesus name. Happy new month.
60. This month whatever situation bugging you shall be dealt with by the mighty hands of God, in Jesus name. Happy new month.
61. This month and beyond, all the impossibilities in your life, family and business will become possible in Jesus name. Happy new month to you.
62. May God have mercy on you and your loved ones, this month and beyond, in Jesus name. Happy new month.
63. In this new month, may God always be there to monitor your going out and coming in, in Jesus name? Happy new month.
64. As you’ve made it to this month, may lines begin to fall in pleasant places for you. Happy new month.
65. As long as you serve God, songs of joy shall full your mouth in this new month and beyond, in Jesus name. Happy new month.
66. May God always be before and after you, this month and beyond. Happy new month.
67. In this new month and beyond, making it will never be difficult for you and your family. Happy new month.
68. In this new month, where your mates or colleagues are saying there’s casting down, there shall always be lifting up for you, in Jesus name. Happy new month.
69. May you triumph over your enemies and may God destroy all forms of wretchedness in your life in this month and beyond. Happy new month.
70. With God, all things are possible and he will do a new thing in your life in this new month. It will never be difficult for God to settle you this month. Happy new month.
71. In this new month, may the helpers of your destiny, locate you in a miraculous way, in Jesus name. Happy new month to you.
72. This month, may your standards be placed higher than that of your colleagues, in Jesus name. Do have a wonderful month.
73. In this new month, may you experience a change in status in all ramifications, in Jesus name? Do have a happy new month.
74. Every scars and bruise in your life, are healed up, in Jesus name and your light will never go dark in this new month and beyond. Happy new month to you.
75. This month, you shall never be found wanting in heavenly places, in Jesus name. Amen. Happy new month.
76. May all the things of darkness against you, flee from their secret places, in Jesus name. Happy new month.
77. This month, you shall be whole spiritually, financially, mentally, and health-wise, in Jesus name. Happy new month.
78. God’s goodness and mercies shall continue to follow you every day in this month and beyond. Amen. Do have a marvellous new month.
79. As you go out today, begin to be a wonderful wonder to as many as you know and meet as from today. Amen. So shall be forever. Amen. Happy new month, my heart.
80. In this new month, your story of lack shall begin to change to that of fortune, in Jesus name! Amen! Happy new month, dear.
81. In this new month be still, and know that there’s God who is your present help in times of need and you will not lack this month and beyond. Do have a happy new month, dear.
82. As from this morning, God shall order your steps to your place of Glory, in Jesus name. Amen. Have a glorious month ahead, handsome.
83. Today as you rise to a new day and month, you shall arise to a greater joy and establishment, in Jesus name. So shall it be? Amen. Have a wonderful month.
84. This month and beyond dear, as long as you have God, you will know no shame! You are saved from all evils today and beyond. Happy new month dear.
85. In this month, may your days be pure and cool, like the dews of the morning on leaves? Happy new month dear.
86. My wishes for you this month is that everything that God created will work in your favour. You shall testify in the end. Happy new month to you, love.
87. I see a gleeful smile on a cute face and hope everything turns out well for you this month and beyond. Do have a wonderful month of love.
88. In this new month, God will bless your days beyond your wishes and keep you safe from every devilish plan. Have better day ahead. Happy new month, love.
89. May God choose this month to reward you for all the good deeds of the past. You’re blessed! Happy new month.
New Month Messages For Friends
90. Dear friend, Happy New Month! May you get to spend every day with a smile on your face and warmth in your heart! Sending best wishes to you!
91. Hope the arrival of a new month brings you closer to your destination and fulfills all your dreams! Have a Happy New Month, my friend!
92. Whatever the new month is bringing for you, be it good or bad; always keep that smile on your face no matter what.
93. The new month comes with new possibilities. It’s your time to meet all the unknown and unseen possibilities in life.
94. Dear friend, as this new month starts I pray that every drop of your sweat may get a sweet reward. May excellence mark you out for favor. Happy new month.
95. As it’s a new month, it is giving another opportunity to write beautiful new chapters of life. May success be in your each and every story. Cheers to a great month ahead.
96. May every piece of your life receive the healing touch of the Lord. May you get all the happiness and success coming on your way this month. Happy new month.
97. Wind is blowing, birds are chirping and trees are whispering in my ear that new days are coming. So be ready my friend to embrace what’s new in your life.
98. My prediction for you for the new month is if you had a bad month so far, it’s going be a good one. And if you had a good one, it’s going be even a better one.
99. May the coming month bring all the happiness and pleasure for you and your family. May your life become even more colorful than it was ever before!
100. May God Almighty showers you with all the love, peace and keeps you and your family always close to him. I wish you all the best for the upcoming month.
Please note that the messages contained in this article were not originally compiled by this author but were edited where necessary.
Chiamaka Agim was too careless with her Card Information, Mobile Phone’- IT specialist Shola Akinwale
Over the week, one Miss Chiamaka Agim went viral on social media, calling out Zenith Bank after a fraudulent unauthorized transfer was carried out from her account where a tune of four million Naira was siphoned on the 9th of January 2023. In other to sway public sympathy, Chiamaka resorted to all kinds of threats saying she will commit suicide if her money is not returned to her account. After recounting her experience on how the incident occurred via her post on social media, Shola Akinwale, a time-tested Information Technology personality and former bank employee, took interest in the case and launched a private investigation into what might her transpired leading to an unauthorized transfer.
After his private investigation, Shola found out that the said amount could not have left Chiamaka’s account without authorization via a token which must have been sent to her mobile phone. He further stated that; her card pin, expiry date and other information on it might have been compromised. Maybe her phone must have been stolen for the person who carried out the fraud to have successfully transferred the money into another account. “The theft was a coordinated one I must tell you. She must have revealed her information to a close ally who carried out the transaction, or she is not saying the truth about what happened to either her ATM card or her mobile phone. She might have revealed some information to those close to her who carried out such theft. On the other hand, her card might have been compromised maybe she had fallen victim to some fraudulent POS operator who has cloned her card. From my investigation, I gathered that it’s not her first time using such means to transfer money using an e-token. No one can authorize the transfer without her access to the mobile phone where the token was or One Time Password OTP must have been inserted to complete the transaction. The funny aspect is that the money was transferred three times into a different account. It means the e-token was generated three times. So something is wrong somewhere.
According to section 3,4,6, Cardholders users of CBN guidelines on the operation of electronic payment channels in Nigeria issued in June 2020A card holder/ user shall;
Protect the Payment card, mobile device and pin with due care.Notify the issuer immediately the pin is compromised.
iii. notify the issuer immediately about stolen, damaged, lost or destroyed cards and mobile phones.
Section 188.8.131.52 stated further that; The cardholder shall be held liable for fraud committed with his card arising from the misuse of his pin or debit card.”
Zenith Bank is not at fault. The fault is coming from Chiamaka who was careless with her information or her phone. It’s nearly possible for such a huge amount to move without authorization from the owner of the account. So Chiamaka should think deeply and get anyone who might be a suspect around her. She did not guard her information jealously”
On the other hand, sympathizers on social media have also called on Zenith bank to make their investigation and reveal what really happened in the said fraud. Zenith bank quickly swung into action by calling for an in-house investigation. According to an internal memo on the investigation carried out by the bank, it was recorded that; Chiamaka authorized the transfer. She authorized a transfer of 3,715,000, 222,900 and 102,000 via an e-token assigned with serial numbers to the transfers to various accounts in different banks. From investigation, it was gathered that she used the e-token to change the authentication mode from token to Mobile pin on the 21st of November 2021. The Information was also used to enrol a Zenith Bank Mobile Banking app on the 6th of December 2021 on an iPhone 11 pro-Max at exactly 11:25.06 pm. It was gathered that she had authorized many transactions with the E-token and four-digit pin using the mobile app severally and she never complained of any lagging from the bank before the said disputed transaction was carried out. “The transaction was consummated by the device iPhone 11 pro-Max on the 9th of January 2023. If you claim the transaction was not authorized by you is true. It means someone had unrestricted access to your device.’ It was further gathered that when she reported the incident, the e-token was disabled and the fraudulent transfer was escalated to the beneficiary bank which is UBA and Access Bank. UBA claimed the beneficiary account from their end had a good profile and does not depict fraud while Access Bank was able to salvage 800 thousand from the beneficiary account as they await a court order to be able to repatriate the salvaged funds back to Chiamaka’s account.
It was also stated in the investigation that; Chiamaka did not immediately block the account on noticing the fraudulent transfer by using the emergency *966*911#code to block other unauthorized transfers. She also did not call the open 24 hours daily call centre for help. If she had done that, they would have taken swift action by reversing the transaction but she didn’t reach out to the bank for such assistance.
Hamzat To Speak On Harmonious Working Relationships Between Arms Of Government As Path To Successes In Lagos
His Excellency, the Deputy Governor of Lagos State, Dr. Kadri Obafemi Hamzat will be the Guest Speaker at the 4th educational and social interactive programme, Timeline Awareness Initiative Lecture/Award on Wednesday 23rd of March 2022.
The programme which promises to be an eye-opener, revealing the level of cooperation in Lagos State Government since the inception of former Lagos State Government and All Progressive Congress APC National Leader, Asiwaju Bola Ahmed Tinubu in 1999 till date.
According to the Organizers, led by Yusuf Adeoye, Publisher of TimelineNG, an Online Newspaper, Dr. Hamzat who has held several positions in the State including Commissioner For Science & Technology before his present elective position as Deputy Governor will be speaking on the Topic: ” Imperatives of Harmonious Working Relationship Between Arms of Government, A Key Ingredient in The Success of Lagos State Government. With Focus on 2023 General Election’
The Event which hold at the Lagos Sheraton hotel, Ikeja, will witness the Speaker of Lagos State House of Assembly, Rt. Hon. Mudashiru Ajayi Obasa as Keynote Speaker. He will be sharing his vast experience as legislator working to aid and ease the work of the executive in Lagos State, which has led to the tremendous infrastructural development and cordial working atmosphere in the State over the years.
The event which will witness awards for few distinguished prominent Nigerians will be Chaired by former Governor of Abia State and Chief Whip of the Senate, Dr. Orji Uzor Kalu while the Minister of Information & Culture, Alhaji Lai Muhammed is the Chief Host of the day. Also expected at the occasion is Convener of Arise Women, Dr. Siju Iluyomade, Chairman House Committee on Defence, Hon Babajimi Benson from the House of Representatives among others.
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