You have to be 50years to access your full balance if you have accessed 25% already.

If you want to access the balance and they are not cooperating, send a letter of complaint via mail to Pencom: info@pencom.gov.ng and cooy Federal Competition & Consumer Protection Council: contact@cpc.gov.ng.

Better still visit any Pencom Zonal office closest to you. If you are in Lagos, their address is: 88A, Oduduwa Crescent, Ikeja GRA, Ikeja - Lagos.

Politicians who have lands will be selling their lands now at a seemingly cheaper rate to fund their election. I think this is the best time to huy because when they finally win the elections, they will start buying again to save funds for the next four years and it will be costly, except you can compete with them. Long story cut short, it is better to buy before election and sell after election if you must. Just logic.

https://fb.watch/gNH_0xe68k/

This is all you need to know about Death benefits under the Nigeria pension system and this is from Pencom.

Under Section 4(5) of the Pension Reform Act 2014 (as amended), there is a life insurance maintained, where the beneficiaries of the deceased employee/contributor are entitled to a life insurance benefit of about 3 times the annual salary of the deceased employee while he was actively engaged.

Also, if the deceased joined NSCDC before 2004, and have used at least 10 years in service before 2004, he will be entitled to accrued rights, which is supposed to be added to his contributions with his Pension Fund Administrator as at retirement.

Since your father died in active service. My advise to you would be the following:

1. If you are the next of kin, approach his employers and notify them. You will need a death certificate as you go.

2. Get a Letter 0f Administration and approach the PFA, notify them and get to know the balance in the RSA account. The PFA will also notify Pencom, so if your Dad qualifies for accrued rights, they will process it alongside.

Make sure you carry your siblings along and especially if your dad has more than one wife, everybody has to be carried along. It is quite easy if you follow this simple process.

Please, do not give anyone any shishi to process this for you. You can do it by yourself and it is very simple. If you have a family lawyer, get them to help you process the LOA.

If you need further enquiries, visit www.pencom.gov.ng and visit the nearest zonal office to you.

I have a video where Pencom further explained this. I could send it to you if you like. You can say “Hi” to me on 08178827380 – Babs.

Again, do not give anybody shishi, so that you will not be scammed.

At least you made front page. Mission accomplished. Next!

*VACANCY*

A Printing Company in Lagos requires the services of applicants HR & Admin. Manager & Sales Representatives for immediate employment.
*Salary: Attractive*.

Interested candidates should apply with a covering letter to: first *jobcaferecruitment@gmail.com*
*Deadline for submission of application is 13th October, 2022.*

Note: Candidates that are not passionate about the roles mentioned above should NOT apply, please. Only HND or B.Sc. can apply please.

https:///babzybabz

��This reminds me of that

Today, I had a long convo with a friend in the US. How they still thing Africa is just a country. So, I decided to help their ignorance poetically. What do you think��

A Poem: *Africa Is Not A Country*

You have been christened
with many despicable names
and dressed in disgusting robes
as the virgin morn
got deflowered by the rays
of the rising sun.

In the wake of a new era,
how do I illuminate the illusory darkness
shrouded around you
and keep the ember glowing
on their altar of assumptions?
Just how do I sing
your eulogy?

How do I write about Africa,
the cradle of human civilization?
How do I tell them
Africa is a continent
with beautiful nations
exploited by their forebears?
Just how do I tell them
Africa is not a country?

Babatunde Raimi
Author, Life Coach & Poet
+2348178827380 & +2348035063895

It's really appealing how a mortal man will so disrespect a mortal man in a godlike frame; an epitome of culture and dignity. Can Charki Boy say this of any revered northern monarch? This is an insult to the Yoruba race at large, especially with his choice of words. But the gods are wise.

A Poem: Venus, The Goddess Of Love

I met a damsel
She is a goddess
Her beauty is endearing
Her aura, infectious
If you know Veluptas
The goddess of sensual pleasures
Then you'll know Venus
The Roman goddess of love

She pulled her magic wand
None could ever resist her
For she passes as a diety
If this is the road to yonder place
Please help tell my people
My choice is made
Afterall, once shall all men die

In her enclave were beauties
Mortal frames in immortal entities
Aisha Quandisha played aide
The magnificent goddess of sexuality
While Aizen Myo-o watched
This goddess of love and lust smiled lustfully
She was a fine sadomasochist

Nothing else mattered
Fearful, nostalgic but ecstatic
I braced up for impact
Like an airplane about to crash
What a sexy way to explore and expire
Testosterone became active

He is the god of passion
His name is Anteros
He stepped up to me
Gently he whispered to a mortal
In the land of the immortal
Here, you don't need aphrodisiacs or tramadol
A good show lasts five minutes
Thirteen by extension, trust me he said

Confused and puzzled I inquired
Then why do the earthly Queen say "Harder, harder"
They never get satisfied
"Stop killing yourselves mortals"
If it exceeds thirteen, it is entertainment he said
Go, enjoy it while it lasts
Go worship in her altar!

As I approached with caution
Flanked by Cupid
The Roman god of erotic love
Suddenly, I resurrected
Back to the land of the living
It took an anopheles mosquito
To make me realise it was all but a dream
So, i was plagued by chronic malaria!

Even though the mosquito I killed
For denying me pleasures forever
I learnt a great lesson
Except my will is updated
Never again will I use enhancers
In place of tiger nuts, dates and banana
Lest a WhatsApp status last longer than me

To be awarded a Ph.D
As a researcher per excellence
In the faculty of Gender and Sexuality
In the prestigious University of Life
I need to reach Venus
The goddess of love
We need to finish the empirical study
Via the instrumentality of direct knowledge

If you know the quickest route to Venus
Please "Hulla", "Odimkpa"
Who knows, maybe we can go together
I guarantee you maximum "Shishi"
What I can't guarantee is
If the story will be told by us
But history will be kind to us
For this is a plague destroying homes
The onus of truth lies with us...

Babatunde Raimi
08178827380 & 08035063895

https://www.youtube.com/watch?v=fjf1uF3g-nA

A Nairalander speaking on TVC.

https://www.youtube.com/watch?v=fjf1uF3g-nA

A Nairalander talks about welfare on TVC

I married my Bewaji because she is the rythym of my heart...

A poem titled "If I Died Yesterday" Specially dedicated to the poster,.who incidentally is God's greatest Creation.

Wait! Listen to me
Before you tighten the noose
Overdose or result to poisoning
Hear what I have to say
I feel your pain
Because I have been there
The desire to end it all
But suicide is not an option

I too have been pained

Deceived by blood
Cheated upon yester years
Suffered depression also
But here I am
Still standing strong

Twice I wanted out
Trust me, I did too
It seemed the hard way
And the only way

But in the end
This Guy survived
Yes, I survived

Five times I wrote JAMB
Four but one I passed
But I hadn't a godfather
It eluded me like a vapour
Depressed and lonely
I wanted out
But still I am here

It's not with it Bro.
Don't do it!
Why not allow him go Sis.
If he hurts you often
It is a red flag
Love will come again
And you will be happy again

You are a shining star
Work in your timeline
Very soon you will fly
For every Balloon can fly
Don't give up on yourself
You got a cheer leader in me
So, suicide is not an option

In you, songs yet unsung
Books yet unwritten
Stories yet untold
Empires yet uncreated
Together we can Bro.
Let's tell our story of struggles
Triumph of faith over fear

Who can stop the moon
Tell me who can stop the sun
Even the star shines brightest in the dark
In your dark moments
Lies a ray of hope
Please hand on
Don't give up on yourself
Suicide is not an option

You are the real deal
Billions competed for one egg
Yours made it to the ovary
You are a born survivor
God's greatest creation
HE has got your back
Don't bail on HIM now

If I died yesterday
You won't be reading this
Today, I am shining light
A torch bearer
And a revelation to my generation
It's time to wake up
And brace up
Because suicide is not an option

Babatunde Raimi
Author/Life Coach/Poet

https:///JTBA9SGBNeN9j6NB5wQPpD

��Do you know any private Organisation *(Not Federal or State Workers)* who will be retiring soon? Send this link to them so we can Coach them on Pension and Retirement, so they can avoid mistakes *as their case is peculiar* There are many things to tell them as a Union and as individuals to avoid pitfalls. This WhatsApp Group was created by Babatunde Raimi, a seasoned Pension & Retirement Coach and the Author of *Planning Your Retirement* & *Beyond Salary*

He features regularly on Television and print media talking about Work,life balance, then Retirement and Pension. You can Google (Babatunde Raimi) to know more about him.

*EVERYBODY MUST BE CARRIED ALONG*

Click to see some of his interviews ��


https://www.youtube.com/watch?v=-Zj_-WeEBZs


https://www.youtube.com/watch?v=5TQFU9oJ40U


https://www.youtube.com/watch?v=SLpTLnfZhbI


https://www.youtube.com/watch?v=gQpyefZFrq4


https://www.youtube.com/watch?v=SjRgPuJrEi0


https://www.youtube.com/watch?v=wbrW_SNZCZM


https://www.youtube.com/watch?v=C9N0z75_86g


https://www.youtube.com/watch?v=-Zj_-WeEBZs

https:///JTBA9SGBNeN9j6NB5wQPpD

��Do you know any private Organisation *(Not Federal or State Workers)* who will be retiring soon? Send this link to them so we can Coach them on Pension and Retirement, so they can avoid mistakes *as their case is peculiar* There are many things to tell them as a Union and as individuals to avoid pitfalls. This WhatsApp Group was created by Babatunde Raimi, a seasoned Pension & Retirement Coach and the Author of *Planning Your Retirement* & *Beyond Salary*

He features regularly on Television and print media talking about Work,life balance, then Retirement and Pension. You can Google (Babatunde Raimi) to know more about him.

*EVERYBODY MUST BE CARRIED ALONG*

Click to see some of his interviews ��


https://www.youtube.com/watch?v=-Zj_-WeEBZs


https://www.youtube.com/watch?v=5TQFU9oJ40U


https://www.youtube.com/watch?v=SLpTLnfZhbI


https://www.youtube.com/watch?v=gQpyefZFrq4


https://www.youtube.com/watch?v=SjRgPuJrEi0


https://www.youtube.com/watch?v=wbrW_SNZCZM


https://www.youtube.com/watch?v=C9N0z75_86g


https://www.youtube.com/watch?v=-Zj_-WeEBZs

*PESPECTIVES: WILL THE 2.5% ADDITIONAL FROM THE FEDERAL GOVERNMENT AFFECT ALL RETIREES? BEING A CRITICAL ANALYSIS OF THE SUBJECT BY BABATUNDE RAIMI, THE AUTHOR OF PLANNING YOUR RETIREMENT AND BEYOND SALARY. HE IS ALSO A PENSION AND RETIREMENT ENTHUSIAST, A POET, BUSINESS, ENTREPRENEURIAL, POLICY AND ECONOMIC STRATEGIST.*

Let me use this medium to say to every Federal Government Retiree under the Contributory Pension Scheme from July or September 2014 and not those under the Defined Benefits Scheme (Old Scheme) will all receive the 2.5% differential as an alert from their PFA and they will be notified. Please clap for the Federal Government (Applause)

You will recall that under the Obasanjo regime, at the inception of the Contrubutory Pension Scheme, you as an employee contribute(d) 7.5% of your majorly your basic, housing and transport, while the FG also contribute(d) 7.5%. The Pension Reform Act is reviewed every 10years, so the next review was in September 2014 under the Jonathan regime which increased the contribution as will be analysed later in this write up..

Based on paragraph 2 above, you will recall from your Retirement Statement of Account with your Pension Fund Admistrator that your contributions and that of the FG was the same which ought not to be because of the review of September 2014, which increased your own contribution to 8% and that of the FG to 10%. The FG "does not seem" to have been remitting their own additional of 2.5% which is what is now called *DIFFRENTIAL*. It is this differential that the FG has now decided to pay from the pension review of 2014. And to the retired under the CPS, it stops at your date of retirement.

For example, if you were earning N100,000, your contribution as pension as an employee will be (8% of N100,000) which is N8,000. And FG's contribution is suppose to be (10% of N100,000) which is N10,000 instead of the 7.5% that the FG was "supposedly remitting". So, the money you are now expecting as *differential* using the example above is the remaining 2.5% which is N2,500 since September 2014 till your date of retirement, but I heard they will start from July 2014.

*STILL ON THE PROMISED 2.5% DIFFERENRIAL USING STIMULATION*

*Assumption:* ��

Name: Yakubu Bola Chinedu
Ministry: Ministry Of Interior
Year of 1st Appointment: January 2nd, 1985
Date of Retirement: January 1st, 2020

The much talked about 2.5% unremitted herein called *differential* by the FG is from your pension contribution from September 2014 till your last month of retirement

If for instance, using the above example, the above civil servant was earning #400,000 as monthly salary as at September 2014, then his personal pension contributions under the PRA 2014 as amended would be (0.08 × 400,000 = 32,000). By the same amendment, your employers (FG) are supposed to pay (0.10 × #400,000 = #40,000. So, your pension contribution is supposed to be 32,000 + 40,000 totaling *#72,000* But what you will realise is being remitted is still the 7.5% by your employer, under the PRA 2004, instead of 10% from September 2014 thereabout under the amendment of the PRA.

The 2.5% being the differential, for the purpose of specificity, using this example is 40,000 - 32,000 = *#8,000* Now, calculate 8,000 from September 2014 till the month of retirement (I can't really tell if they will start from June 2014) as analysed hereunder:

Sept 2014 to Dec. 2014 = 4months
Jan. to Dec. 2015 = 12months
Jan. to Dec. 2016 = 12months
Jan. to Dec. 2017 = 12months
Jan. to Dec. 2018 = 12months
Jan. to Dec. 2019 = 12months
Total = 64 months.

Now multiply the assumed differential of 2.5% being 8,000 from our example by 64 months. That is (64 × 8,000 = *#512,000* The differential in this case is *Five Hundred and Twelve Thousand Naira* So, if you go back to your payslips from the months quoted herein, you will have a faint idea of what differential you might be expecting. But remember, nothing is absolute and this cannot be predicted to mathematical certainty hence the example here is just a rough guide, which you need to study very well because every civil servant under the the CPS have their own peculiarities. My advice, don't dwell so much on this, it will come when it will come.

I like to say here that, I see this differential is a right and not a privilege. So, if you were in service from the date the increament was made; even if you are retired under the programmed withdrawal or annuity option of retirement, this differential will be paid to you through your PFA and you will be notified, regardless of your choice of retirement plan. Though it took time, but it is better late than never, hence I believe the FG government should be applauded for not only listening to the cries of our Senior Citizens by releasing the back log of accrued rights up to December 2020 and also making provision for the differential as it were. If we are quick to castigate in a state of dis-contentment, dis-enchantment and dis-satisfaction, we should also be quick to celebrate and give the FG a part on the back when they get it right. This development is a big win for the FG, Pencom and the board of Pencom at large. Of a truth, this is a testament that "the labour of our heroes past shall *NEVER* be in vain."

I hope I have been able to explain this to the best of my ability. Remember this will apply to all employees under the Treasiry Funded Account as an employee of the FG under the Contributory Pension Scheme.

I really hope my epistle is was worth reading. So, expect these alert from your PFA, but do not expect too much so that you will not be "somewhat" disappointed in the long run.

Babatunde Raimi has facilitated so many pension and retirement seminars nationwide, helping employees understand their rights duties and obligations especially on pension and retirement matters. He constantly appears on television, grants radio and newspaper interviews especially on the subject of pension, retirement and MDGs. He is an advocate of the *F.I.R.E. Movement* (Financial Independence Retire Early). The Author strongly faults retirement sensitization seminars just a few years to retirement. He believes that pension and retirement trainings should be done often to employees from their first day at work because retirement is a journey and not a destination.

Babatunde Raimi is available as a facilitator on invitation. You can get his books on www.amazon.com or www.lulu.com. Better still, just Google his name (Babatunde Raimi). You can reach him directly on his mobile phones: 08178827380 & 08035063895.

Babatunde Raimi
Pension Coach / Advisor.
Author: Planning Your Retirement and Beyond Salary.
08178827380 & 08035063895


https://www.youtube.com/watch?v=-Zj_-WeEBZs


https://www.youtube.com/watch?v=5TQFU9oJ40U


https://www.youtube.com/watch?v=SLpTLnfZhbI


https://www.youtube.com/watch?v=gQpyefZFrq4


https://www.youtube.com/watch?v=SjRgPuJrEi0


https://www.youtube.com/watch?v=wbrW_SNZCZM


https://www.youtube.com/watch?v=C9N0z75_86g


https://www.youtube.com/watch?v=-Zj_-WeEBZs

Didi2d:


Go Festac passport office na

WhatsApp for contact 08178827380

I wonder what happened to investigative journalism. Yes, there was an occurrence, the solder shot the customs officer on the stomach and thought he died, then he shot himself and died (Maybe he knew the repercurssion). Long story cut short, the custom.officer survived, the solder died thinking he had killed the customs officer. I just left Seme boarder now and the atmosphere is calm and cool.

Chai! He be like say everybody don witness this heartbreak. What a wicked world...

Anyway, I recommend, One Call Away by Charlie Putt

Say it nicely and poetically because all these girls, you no know whether na scientist. So, if you no wan make dem carry your name go coven as you don dey cultivate free already, do it nicely with a poem titled Don't Wait For Me...

Don't Wait For Me
Life with you, a treasure
Moments shared, golden
When you said "Yes"
My heavens opened
This is for a good reason
You are my good luck charm

Rolling with you, I learnt patience
The good times taught me gratitude
The sad times taight me experience
Even when I laid with another
You forgave in advance

How can I pay you back
We named our kids
Visualised our homes
Together, we painted the future
You sacrificed everything for me
Because i was your King
You gave me hope
When life's cruelties overwhelmed me
Wrapped me in your chest
With the tingling sensation of your breast
And told me "It will be well"
But don't wait for me

We were young and naive
For years we planned
Everyone envied us
We painted the city blue and white
For once, we never held back
But don't wait for me

In this journey called "I Do"
Where death is the terminus
I suddenly realised
We can't play the sentimental card
Except we desire a lifetime endurance
So, please, don't wait for me

I guess you understand now
I just want us to be happy
For the rest of our lives
I know you will hurt
But you will also heal
And later appreciate our choice

You are not an enemy
Never will I erase your memory
Neither am I the heartless one
Indecision is a decision not to decide
So, I have decided to move on
Hoping you will not be my greatest regret

Sincerely, I still love you
But I guess this is where the road ends
For the years we have wasted
The promises left unkept
Dreams left unfulfilled
Cast the blame on me

If I say "Don't wait for me"
It is for a good reason
That you may fly like a bird
And meet the vessel HE prepared for you
For there is a man for every woman
And a woman for every man

I pen this with a bleeding heart
For somewhere in my heart
You have a very special place
And you will always be my jewel
Even if we are not together
Please, move on, the future is brighter

Let me tell you a secret
Please don't tell no one
Men cry too, yes we do
And it's okay to cry, at times like this
Especially when it hurts
But we got to be the man

Sad the darts life throws at us
That of happiness, that of sadness
As I put a closure to this
I pray you find peace
And everything you ever wanted
But please, don't wait for me

by Babatunde Raimi

A Poem: The Last Salute

He was fearlessly reliable
He was a beacon of hope
But the road ends here for them
Goodnight General Attahiru and compatriots.

We doubted our doubts
Wallowed in extreme insecurity
We slept and woke like Owls
Until you became COAS
Goodnight General, Goodnight.

Something must kill a man
But Soldiers never die...
They transit to a better beat
And stand with the celestial army
Guarding us from above.

We'll put our pains behind us
We will fold the flag neatly
And deliver the duffel with honours
And to those who transited with you
Your labour shall never be in vain.

When death comes knocking
Even the most powerful must bow
You and others died in active service
What a way to exit with imprints in our books
Imprints written in pens of gold and points of silver.

You all left with amazing goodwills
Nigeria thanks you for your service
Now that you've tendered your last salutes
To all that died in that aircraft
We hereby accept your last salute.
Goodnight.

Babatunde Raimi, Poet.
+2348178827380 & +2348035063895

A Poem: The Last Salute

He was fearlessly reliable
He was a beacon of hope
But the road ends here for them
Goodnight General Attahiru and compatriots.

We doubted our doubts
Wallowed in extreme insecurity
We slept and woke like Owls
Until you became COAS
Goodnight General, Goodnight.

Something must kill a man
But Soldiers never die...
They transit to a better beat
And stand with the celestial army
Guarding us from above.

We'll put our pains behind us
We will fold the flag neatly
And deliver the duffel with honours
And to those who transited with you
Your labour shall never be in vain.

When death comes knocking
Even the most powerful must bow
You and others died in active service
What a way to exit with imprints in our books
Imprints written in pens of gold and points of silver.

You all left with amazing goodwills
Nigeria thanks you for your service
Now that you've tendered your last salutes
To all that died in that aircraft
We hereby accept your last salute.
Goodnight.

Babatunde Raimi, Poet.
+2348178827380 & +2348035063895

A Poem: The Last Salute

He was fearlessly reliable
He was a beacon of hope
But the road ends here for them
Goodnight General Attahiru and compatriots.

We doubted our doubts
Wallowed in extreme insecurity
We slept and woke like Owls
Until you became COAS
Goodnight General, Goodnight.

Something must kill a man
But Soldiers never die...
They transit to a better beat
And stand with the celestial army
Guarding us from above.

We'll put our pains behind us
We will fold the flag neatly
And deliver the duffel with honours
And to those who transited with you
Your labour shall never be in vain.

When death comes knocking
Even the most powerful must bow
You and others died in active service
What a way to exit with imprints in our books
Imprints written in pens of gold and points of silver.

You all left with amazing goodwills
Nigeria thanks you for your service
Now that you've tendered your last salutes
To all that died in that aircraft
We hereby accept your last salute.
Goodnight.

Babatunde Raimi, Poet.
+2348178827380 & +2348035063895

A Poem: The Last Salute

He was fearlessly reliable
He was a beacon of hope
But the road ends here for them
Goodnight General Attahiru and compatriots.

We doubted our doubts
Wallowed in extreme insecurity
We slept and woke like Owls
Until you became COAS
Goodnight General, Goodnight.

Something must kill a man
But Soldiers never die...
They transit to a better beat
And stand with the celestial army
Guarding us from above.

We'll put our pains behind us
We will fold the flag neatly
And deliver the duffel with honours
And to those who transited with you
Your labour shall never be in vain.

When death comes knocking
Even the most powerful must bow
You and others died in active service
What a way to exit with imprints in our books
Imprints written in pens of gold and points of silver.

You all left with amazing goodwills
Nigeria thanks you for your service
Now that you've tendered your last salutes
To all that died in that aircraft
We hereby accept your last salute.
Goodnight.

Babatunde Raimi, Poet.
+2348178827380 & +2348035063895

https://www.youtube.com/watch?v=gQpyefZFrq4

��This is an interview I granted TVC today on *Unemployment.* Every one deserves to see this interview.

Please share on *ALL* your social media handles and let's fix the global unemployment problem together.

Don't forget to drop a comment and click the like button.

Ubongdemaga:
Nice to meet u sir. Please r u still attending to pensions matters?

Yes Sir.

https://www.youtube.com/watch?v=SjRgPuJrEi0

Yesterday on TVC, lending my voice to the plague of unemployment

Ubongdemaga:
Nice to meet u sir. Please r u still attending to pensions matters?

Yes.