<?xml version="1.0" encoding="UTF-8"?><rss version="2.0"><channel><title>Ask Mr. Tom</title><description>Daily updates and clear answers on money, tech, business and opportunities for young Nigerians.</description><link>https://askmrtom.ng/</link><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>