₦airaland Forum

DOCTOR OLUFUNMILAYO WROTE : 'I have lived in UK a few years now and NEVER has my bank ever charged me one penny for bank transfer.*
*NEVER. NOT ONCE.*

I’m sorry. But that 52 naira 50kobo that Nigerian banks deduct per transaction, what exactly is it for?

Why is no one speaking out against this blatant fraud?

Next is the fraudulent “Card Maintenance Fees” by our Nigerian banks. Please how are you maintaining a card that lives in my wallet?

I have about 3-4 UK Bank Cards here. Both credit cards and debit cards.
I have NEVER paid any such thing as a “Card Maintenance Fee”.
NEVER EVER.

The Nigerian Banking Sector is an unfortunately over-bloated industry that thrives on systemically entrenched policies that terribly defrauds us Nigerians and lives on cheating the average citizen of the hard earned money that is entrusted in their care to help save and invest.

You want to send money to someone from your Nigerian bank account and you first have to plan an extra 52 naira 50kobo.

Money that is electronically sent from one Nigerian bank account to another Nigerian bank account

What exactly is the charges for?
Why is this fraud tolerated?

Someone said the charges goes to NIPOST. I want to believe it is mere trolling as it makes absolutely no sense.

Please, How is Nipost involved in an ELECTRONIC money transfer?
Did I put the money in an envelope and post it? Or what?

We deserve better.
This is systemic cruelty.

When I applied for ATM Cards in UK (both debit and credit), I was NEVER charged a penny.
The card is given free.
And “maintenance”, if there’s any such thing, is done free.

IF we never get the chance to see how things happen in other places, we won’t know we are being cheated.

When I applied for an ATM Card in Nigeria, I was charged 1,000 naira plus VAT 50 naira to have one.
And I’m being charged some extra regularly in the pretence of an imaginary “Card Maintenance Fees”.

This is systemic corruption and a fundamental banking fraud aimed at impoverishing us Nigerians.

Let’s do a little maths, dear friends.

According to NIBSS, as at December 2017, there was almost 65,000 daily Electronic Fund Transfers in 2017.

At 52.50 naira per transaction, that’s over 3 million naira a day.
And about 1 billion naira a year.

Should this fraud continue?'

Bank will send you birthday text and seasons greeting and still charge you for it.

Vengeance

The character that stinks will eventually sink

“If you do not conquer self, you will be conquered by self” — Napoleon Hill


Destiny decays when character declines. The Athenian statesman, Critias, said: “If you discipline yourself within, you will be less vulnerable to injury from outside.”

In life, you need more than a willing spirit to fulfill destiny; you need a conquered flesh. Self-discipline is the ability to do what is right even if you don’t feel like it. Living a principle-centered life is the hallmark of winners. Great people are greatly principled. The core secret of winners is held up in the belief that to go up in life, there are things to give up.


There are two ways of learning in life: By ‘instruction’ or by ‘destruction.’ Winners don’t just show up suddenly; they are all products of a rigorous and disciplined system. Alan Armstrong said: “Champions do not become champions when they win the event, but in hours, weeks, months and years, they spend preparing for it. The victorious performance itself is merely the demonstration of their championship character.” Lao-Tzu said: “He who gains victory over other men is strong, but he who gains victory over himself is all powerful.”


One of my most fascinating books ever on Discipline, Extreme Ownership: How U.S. Navy SEALs Lead and Win, is co- authored by a retired Navy SEAL commander in the U.S Navy, Jocko Willink, who talked extensively on how we must always take ownership of our lives and that nobody must ever be the reason why we fail in life.

He succinctly captured his idea about discipline in one quote, when he said: “Discipline equals freedom.” As a youth pastor and leadership coach, I have observed with unfailing accuracy that what ultimately destroy a man at the top are actually indiscipline, habit and sin that followed him there.

Finally, R-Kelly goes to 20 years in jail for pornography, statutory rape and other sexual offenses. He was unarguably the one of the best R&B recording artiste of all times. I have never known such brilliant lyrics and melodic sounds as him. I still remember his greatest hit of all times that shook the world- I Believe I Can Fly. I also remember another smashing hit- If I Could Turn.

He was a solid master in his craft; a virtuoso of the Mic. He did no wrong when he hits the stage; he was lord of that stage, with a charismatic nature that no one could contend. I remember all. Up till this moment, they still resonate in my head; they still serenade my senses. But the turn of event has reduced a star to a piece of bread.

So, here we are, from three-time Grammy Award winner to wearing prison overall. As much as I feel justice should take its course, my heart still bleeds for this legend. My heart bleeds to see what this guy has been reduced to- a defeated and despondent figure. Helpless and hopeless, now he is paying for his choice of life. Now convicted to spend 20 years, this means he should be over 70 after serving his prison term.

Drink otapiapia to reduce your height.......wawa kowai..
Anything from God is a special GIFT

I just like this yoruba word " ADAKE DAJO"loosely translate to Almighty God judgement

Who tell say Mane humble.............na same person Mo Salah no gree pass ball to..... he kom dey hala all over the place ......Na humble person be that..? am just asking

alizma:
Those guys are wounded and crippled so that you may have peaceful sleep.

Don't mind that idiot with shallow thinking

TheGoodJoe:
Clap for yourself.

KPAM ,KPAM,,KPA,KPA,,KPA,,KPAM'''''''''hihihihhihihhhhi e dey pain you

TheGoodJoe:
That was why the penalty was not given. If you read the article, the officials did not talk of the ball hitting Bernardo Silva's arm. The ball ricocheted to Silva's arm and was not a deliberate act.

Replay shows clearly that Trent Arnold Alexander on the other hand saw the ball and chose to use his hand to stop it. Which is clearly a deliberate act for a penalty.

The officials chose to deny it which shows a clear case of their corruption.

since the official did not talk about meaning??........Your sense of reasoning very shallow[color=#990000][/color]

Nothing we no see from this christianity........na business people with either fake miracle or prophesy

May Allah make it easy for us....amin

Narrated An-Nu`man bin Bashir (RA): Allah's Messenger (peace be upon him) said, "You see the believers as regards their being merciful among themselves and showing love among themselves and being kind, resembling one body, so that, if any part of the body is not well then the whole body shares the sleeplessness (insomnia) and fever with it."

(Sahih al-Bukhari, Book 78, Hadith 42)

As one ummah – one body – we cannot ignore the suffering of our brothers and sisters across the globe.
May Allah make it easy for us

no mind fashola

fake news

This man well at all

Bunch of idiot and confusionist

MTN...... both in speed and accuracy

They stinks ................Every policeman hand in this Naija is tainted with either Blood or Corruption

BACKGROUND ISSUES.

1. Outcome of the joint meeting between the office of the AGF, Director of IPPIS, committee of Vice Chancellors and the unions (ASUU,SSANU,NAAT and NASU) which was headed by the chairman of Committee of Pro- Chancellors, Professor Munzali Jibrin.

2. Observations, Findings and Stand of the Union.

The meeting was deadlocked because of so many fundamental issues that ASUU observed after the Director of IPPIS made his presentation on how the template will capture the peculiarities of the academics. It is noteworthy that at the meeting, it was only ASUU that stood its ground to make its position and observation known to the committee, other unions who in the first instance were with the union made a U- turn suddenly and sided with the government. The vice chancellors present also could not speak ( with the exception of the Unijos DVC who stands for the VC and luckily he is an expert in ICT) because their chairman was not available as at that time.
What the union observed after the presentation were;

1. The template was designed to phase out staff who are above 60 years of Age. This fundamentally violates the new policy where professors retire at 70.

2. The component of RENT in our consolidated salary is to be removed on those who resides in the university quarters.

3. The template did not make provisions for payment of arrears of promotion, Study leave allowance, responsibility (for a new appointee) and immediate upgrade of salary of visiting lecturers in their visiting places.
4. The template was a mere spread sheet presented (based on the observation raised by the UNIJOS DVC ) which could not capture the technical and peculiarities associated with the flexibility and mobility of academics. Several questions were asked which the director of IPPIS could not provide answers to. This further created suspicion of the whole issue.

5. The template adopts a tax payment system ( Ptax 2) which charges between 48 and 78 thousand naira ( fixed according to rank) this deny us the flexibilities associated with reduced tax burden from one state to another.

The Director of IPPIS later reminded our union that they are acting on the Directive given by the president which mandates them to enroll all FG staff before the end of October 2019. Failure to do so will deny them their salaries. The statement further created confusion because the Union observed

a. We are not employees of the Federal Government rather, we were employed by our respective councils and as such, the statement has nothing to do with university staff.

b. That the statement from Mr president contradicts the laws and acts establishing and regulating universities in nigeria. The union positioned that this infringes the institutional and financial autonomy of public universities, making Governing councils to be irrelevant and less active.

3. That the FG is trying to reverse us back into the mainstream civil service which our past leaders have fought vehemently to pull us out.

OUR PROPOSAL

1. Let the governing councils of Universities take charge of the financial affairs of the universities. Where they are found wanting, the FG can dissolve, investigate and even prosecute them.

2. Give us the chance to develop and present suitable alternative that will take care of our peculiarities while the councils will ensure it's adoption and workability.

FURTHER FINDINGS

1. The IPPIS is run by a financial consulting company. Characterized by inefficient, less experienced and very young personnel who extort ( Evidence mentioned at the NEC) vulnerable enrollees who go to abuja to sort their problems out with the agency. As much as 100 to 200 thousand were charged before service is rendered.

2. That by proper procedures, it takes a minimum of 60 days for an enrollee to be paid after all the biometrics are done. This contradicts even the short notice given by the president to the civil servants.

3. The IPPIS which is an initiative of Mrs Okonjo Iwela has its roots in the world bank political tools used to further subjugate less Developed countries. This further generate crises into the various sectors of our nation.
4. The IPPIS by its structure has 7 modules in which only one is implementable. This is characterized by gross incompetence exhibited by the staff of the IPPIS during the meeting. They seems not to be abreast with the technicalities and cumbersome nature of the template.

The chairman of the meeting professor munzali jibrin having listened to the ASUU's presentation summoned courage and told the participants that the meeting could not be concluded becouse the union has raised a very fundamental and legal issue which requires a deeper analysis and investigation. He then called off the meeting with a promise to get back to the union.

It is obvious that the AGF and the IPPIS office were not happy with the outcome and as such, devised a more sinister plan to enroll us through the back door. What they did was;

a. To demand for the personnel payroll from all the federal universities where almost all the universities complied. Some even used the opportunity to update their payroll by taking additional staff and converting some casual staff to main staff so that they will get enough manpower. This is because the template does not provide for additional staffing.

b. Send the IPPIS forms to selected universities and encouraged vice chancellors to do every thing possible to ensure compliance.

The union further observed;

1. Some universities collected the form and some members filled and returned. It further observed that majority of those who complied in filling the IPPIS forms in those universities where forms were given are those from college of Medicine.
2. Other universities collected the form and refused to distribute.

3. The rest did not receive the forms at all.

OUR OPTIONS

The union was very worried and saddened at the attitude of some of our members who became jittery and are ready to compromise the future of our universities by a mere threat of stoppage of Salary. This calls for a more reorientation of our members on the principles and ideology of the union. The emergence of a supposed break away faction of the union and the amplification of the sex for grade and all other antics are grand plan to quash the union and give a bad public image about all academicians. The following are the options of the union;

1. Write a strong letter to the president through the minister of Education and demand audience with him.

2. Write a letter to the president of the senate and speaker of the house of representatives and also have audience with them to brief them correctly on the situation.

3. Consider a court action seeking an injunction restraining the FG from violating the law by imposing IPPIS on our members.

4. Strong press releases, media briefings and campaigns against the planned imposition of the system on our members.

5. National and Zonal visitations to all our branches, sensitising and mobilising our members for an action in case our salaries are stopped.

My dear comrades, this is the brief I was able to gather at the NEC meeting. You may wish to digest it and make further input when we call for a Congress meeting pls. Thank you

That is how we roll here........if e pain you take am go oyinbo land pig na pig

(1) We should be about a month into President Buhari’s land border closure policy now. Throughout October, Nigeria’s land borders have been shut to combat the dumping of cheap Chinese exports coming into the country through the port of Cotonou. Rice and cement in particular have been the two main concerns

(2) If you ask me, an easier way around this would have been to reach an agreement with Benin Republic, allowing Nigerian cargo inspectors to operate at the port of Cotonou. All they have to do is inspect all cargoes and then attach a tracker to every container. Once a consignment goes into Nigeria, just impound it. Over the long term, Benin simply has to merge with Nigeria as the port of Cotonou is her cash cow and once it is controlled by Nigeria, there is zero justification for Benin existing as an independent nation

(3) Over the last 10 years or so, Nigeria has stepped up the production of cement and rice, with Aliko Dangote leading the charge in a bid to reduce imports. However, the smart Chinese have found a way around this, exploiting a loophole in the Ecowas protocol. Once their goods go into the Ecowas market, they can be moved around the sub-region duty and tarrif-free. Nigeria responded by shutting her borders but this is not sustainable over the long term. More innovative solutions need to be found

(4) If you ask me, the only real issue here is Cotonou. All those other smugglers bringing rice into Nigeria on motorcycles through Niger Republic are trading in such small volumes, it is barely affecting the market. In contrast, 20 trailer loads, each with about three 20 ft containers leave Cotonou for Lagos daily, flooding the Nigerian market with cheap Chinese rice and cement. Take control of Cotonou port and the problem is solved. We are not the US who invaded Panama for something similar as they wanted to control trade through the Panama Canal. However, we could easily reach a cargo inspection deal. I expect Ogbeni Rauf Aregbesola, the man with ultimate control of the Nigerian Customs Service to come up with an agreement satisfactory to both countries

(5) No nation can survive if it constantly has balance of trade and balance of payment deficits, which is why Nigeria is looking to curb imports. However, this policy is meaningless unless it is part of a wider policy that involves the promotion of exports and venturing into new markets

(6) Just to give you an insight into the scale of the problem we face, do you know that 13 Boeing 747 cargo planes come to Nigeria daily offloading cargo then fly back empty. Sometimes they have to use sandbags to stabilise the aircraft because we have nothing to export

(7) The situation is no better at our sea ports as five out of every six ships that berth in Nigeria return to their bases empty. When people ask why the ports of Calabar, Warri and Port Harcourt are not used, I just laugh. I can tell you now that no shipping line is interested in them because they are not economically viable!

( Albania shut her borders to the whole world between 1945 and 1990 but hey, it did her little good. Albania was left as Europe’s poorest country, cut off from the outside world, benefitting nothing from the growth in technology, innovation, trade and commerce. If Nigeria keeps her borders shut for too long, she risks suffering a similar fate, so now is the time to put our thinking caps on

(9) What President Buhari and his government need to do is set themselves export targets. They need to give the Abuja, Kano, Lagos and Port Harcourt international airports monthly export targets. E.g groundnuts - 200,000 tonnes, cocoa - 10,000 tonnes, ankara fabrics - 5m tonnes, yam - 1m tonnes, cassava pellets - 2m tonnes, cashews - 10,000 tonnes, etc, etc

(10) Also, as we look to dredge and revive the ports of Warri, Ikot-Abasi, Calabar, Port Harcourt, Sapele, etc, our expansion plans have got to be export-based. Opening up more ports before coming up with the goods for export is just economic suicide. All it will do is make Nigeria a dumping ground for cheap goods and a haven for racketeers and smugglers. Nigerians, please get more productive. You are the problem, not the government!

KingTom:
These are Commanders, Wing Commanders and Lieutenant Colonels, they are not fresh graduating officers. I was at the event, na big boys

Big boys for what......oppression and looting

eye service.......since that old man Bashir magashi been appointed Defence minister am just hearing his name for the first time

Abu Huraira (RA) reported Allah's Messenger (peace be upon him) as saying: The similitude of mine and that of my Ummah is that of a person who lit fire and there began to fall into it insects and moths. And I am there to hold you back, but you plunge into it.

(Sahih Muslim, Book 43, Hadith 18)

Alhamdulillah we are Muslims. We have the guidance but do we heed it? We know what must be done, but do we act on it? May Allah preserve our good intentions and make them into deeds and actions that prepare us for the Hereafter insha'Allah.

simplemach:
sh*thole con3

why he wan kom back now.....sweet home

kole werk

anoda APC Scam loading

to be honest ...you now infected with HIV viruses simple as that

CeterisXVII:
And almost everything inside it, is still relevant till today.

So people have been talking about our problems in Nigeria, and the danger of over reliance upon oil, yet every successive administration has turned deaf ears to the warning until now.

People have been offering suggestions and solutions to trigger growth in the non-oil sector, yet our technocrats and administrators have done nothing.

Nigeria we hail thee!

very relevant

*OIL MONEY: HONEY OR POISON*

“It is commonplace to say that Nigeria is at the moment very lucky because of oil revenues. In a very real sense we have much more money than our system can absorb. Unofficial estimates put the figure added to our reserve this year at N2,000m. In many essential respects this bounty has been a blessing. It has enabled us to repay some of our outstanding foreign loans, liberalised commercial and industrial policies and has enabled increased revenue to be diverted to building of modern infrastructure commensurate with our executive capacity.

“But the reverse side of this coin is painful to contemplate. The nature and source of oil money put it in a class of its own. A few years ago, a disturbing international report was published arguing in stark terms the failure of all underdeveloped oil producing countries to make more than marginal use of their splendid fortune. No effort is involved on our part. It is the foreigners who employ their capital and skills to exploit this resource and we simply receive huge autonomous additions to our national income.

“Such un-worked for riches can land a country in trouble of a peculiar kind. There is soulless opulence of the few, in evil contrast to crushing poverty of the many. There is unimaginable corruption and disastrously wrong allocation of resources. Above all there is the absence of hard work without which the country cannot pull itself together. In that sense the oil money becomes poison rather than honey. How will an economic historian 50 years hence explain the relative expenditure on agriculture and on the various forms of so-called “culture”: All-African Games, Black Arts Festival and all the rest of it? He must conclude that we had taken leave of our collective senses.

“Happily, in the Nigerian case, the situation is by no means irretrievable. We could deploy considerable energies and resources in producing a commodity which is more important even than oil: food. We must at all costs get agriculture on the move again. There are millions of acres lying fallow when they could be used to grow food for our burgeoning population. The setting up of the two River Basin Commissions is a great step in this direction (although the staffing has ensured that the two schemes would not take off for some time.)

“Nor are we unmindful of individual state efforts. But fiddling about with N10-15m is just like one grain in a silo. We need a monumental plan. A N500m plan with the help of, say, Danish and Chinese experts under our direction, would do wonders for grain productivity in this country. We may or may not have oil in 50 years. But to survive we must have food. The ground work can be done now.”

29/06/1974

**************************

*Remember: this Editorial was written 45 years ago*