₦airaland Forum

Well, she has the money so enjoy Ini

Birds of the same feathers

Cyndyonyx:
not physical fight, but not giving up, is what i meant

Okay, I get now! Of course, I will totally fight for my man

We don enter

Physical fight can never solve the solution. Fight all the ladies in the world....he will still cheat if he wants to do it so what's the point?

When your madness is not of this world

What??

sonssyo:
u are wicked gan

blame recession

Hmmmm

No be e follow man dey reason like dis?




Seriously, life should teach him some lessons!

Jarizod:
he's still alive na

As Op call that pulp na

Jarizod:
u call that beaten to pulp

Then what is this ?

beaten to death?

'Harrysong's manager Desmond & another member of the crew, Bishop beaten by Soso' 2:1

Mehn, some people get mind oh! 35 times?

Good captain

This is commendable.....Kudos !

Contd......


Job Title: Resources Mobilization (Partnership Specialist), P-3
Location : Abuja

Key Expected Results:
Support the preparation/design and conduct/update of situation analysis for programmes and/or sector to ensure that current comprehensive and evidence based data on children issues are available to guide UNICEF’s strategic policy advocacy, intervention and development efforts for setting priorities, strategies, design and implementation plans.
Monitor and analyse humanitarian trends and new partnership opportunities in support of UNICEF humanitarian interventions. Together with the CO management, develop a fundraising & partnership strategy to inform potential funding opportunities, in close collaboration with the programme sections implement and manage fundraising activities.
Enhance relationship with donors through setting up regular meetings between UNICEF management, the technical sections and existing/potential donors, phone calls, updates, briefing sessions, briefing notes and donor visits.
Write up briefing notes, reports and information as needed by HQ/RO; Coordinate donors proposal, follow-up, facilitate meetings with donors, keep record, track progress and update the tracking matrix
Liaise between technical sections, potential donors and inform of potential funding opportunities; Review, edit and finalize donor reports compilation, ensure quality and submission by the programme sections, quality and timeliness, in line with the standards and requirements of each and every specific donor
Conceptualize and consolidate and monitor all aspects of resource mobilization with programme sections and field offices.

Qualifications

An Advanced University Degree in Marketing, Economics, Communication, Fundraising or Business Administration. Up to date knowledge of new media and fundraising. Other social science field is required.
First university degree with additional two-years of relevant work experience is acceptable in lieu of an advanced University Degree.

Work Experience
A minimum of 5 years progressively responsible professional work experience in communication, reporting, programme monitoring and evaluation. International level, some of which preferably in a developing country is required. Relevant experience in a UN system agency or organization is an asset.

Language:
Fluency in English is required. Knowledge of another official UN language or a local language is an asset.

https://www.unicef.org/about/employ/?job=501694


Note: The successful candidate for this emergency recruitment MUST be available to commence work within 31 days of receiving an offer.

Contd.....

Job Title: Operations Manager, P-4
Location : Abuja

Job Number: 501692

Purpose of the Position:
As the head of operations of a medium-sized area office, accountable for management of cost effective, efficient and secure operations, in support of management, administration and implementation of the country programmes, consistent with operations of all other offices in the Country in accordance with strategy, plans and decisions made by Country Management Team.
Provides guidance in operations to a gender-balanced, multidisciplinary team of professionals to identify and correct gender balances.

Key Expected Results:
Operations of financial, budget, information & communication technology, supply & logistics, human resource and administrative management strengthened and maintained for Field Office.
Appropriate and consistent interpretation and application of operations policy and procedures implemented to support operations at the Field Office level.
Fiduciary responsibility for funds and assets effectively secured and timely executed for optimum utilization by taking appropriate decision on all operational and financial transactions, disbursement of funds, and administrative arrangements.

Qualifications of Successful Candidate
Education:
Advanced university degree in accounting, business administration, economics, or financial management.
Membership – or enrolled for membership – in a recognized professional accountancy body.

Work Experience:
Eight years of relevant professional work experience in office management, finance, accounting, ICT, and/or human resources;
Both national and International work experience in management, finance, accounting, ICT, human resources, administration supply and procurement related fields;
Strong emergency experience
Capable to work under pressure
Capable to work with less supervision
Strong strategic skills and good policies knowledge to be able to advise and guide the CFO
Work experience in emergency duty station.

Language:
Fluency in English required and another UN language desirable
Competencies of Successful Candidate

Core Values:
Commitment
Diversity and Inclusion
Integrity

Core Competencies:
Communication [II]
Drive for Result [II]
Working With People [II]

Functional Competencies:
Leading and Supervising [II
Formulating Strategies and Concepts [II]
Analyzing [II]
Applying Technical Expertise [II]
Planning and Organizing [III]

Application Closing Date
7th December, 2016.



https://www.unicef.org/about/employ/?job=501692

Contd......


Job Title: WASH State Consultant
Location : Abuja

Job Number: 501647

Purpose of the Consultancy:
The consultant shall provide technical support to the WASH Section in Kaduna state to strengthen systems for sustainable implementation of Water, Sanitation & Hygiene. This will include providing support in programme planning, implementation, monitoring and documentation of good practices for shared learning and knowledge management.

Key Responsibilities:
Assist the Field Office to strengthen the capacity of WASH sector institutions at State & LGA levels including the LGA WASH Facilitators to plan and implement WASH programme in rural communities.
Support the Field Office to organize activities for building capacities of WASH institutions; and review activity proposals from partners for recommendation to the WASH Specialist for approval.
Provide technical assistance to the State Rural Water and Sanitation Agencies (RUWASSAs) in the implementation, monitoring and supervision of agreed annual work plans with greater focus on ensuring quality of interventions.
Support LGAs to ensure WASHIMS and CDS are adequately updated and disseminated on a timely basis, plan project interventions and ensure quantity, quality, coverage, etc. and access to disadvantaged and marginalized groups
Assist the Field Office to conduct regular supportive supervision and monitoring of WASH interventions & maintain a regular flow of information among stakeholders at all levels and establishing data room where all information and documents relating to the tendering/contracting/payment processes, monitoring and progress can be obtained.

Qualifications or Specialized Knowledge/Experience Required:
Advanced University Degree in Civil/Environmental Engineering; Water & Sanitation; and Public Health.
At least 6 years of relevant experience in programme planning, implementation and monitoring preferably in water and sanitation sector.

Application Closing Date
6th December, 2016.


https://www.unicef.org/about/employ/?job=501647

The United Nations Children’s Fund (UNICEF) – For 70 years, UNICEF has been working on the ground in 190 countries and territories to promote children’s survival, protection and development. The world’s largest provider of vaccines for developing countries, UNICEF supports child health and nutrition, good water and sanitation, quality basic education for all boys and girls, and the protection of children from violence, exploitation, and AIDS. UNICEF is funded entirely by the voluntary contributions of individuals, businesses, foundations and governments.

If you are a committed, creative professional and are passionate about making a lasting difference for children, the world’s leading children’s rights organization would like to hear from you.

We are recruiting to fill the position below:

Job Title: Monitoring & Evaluation Specialist, NOC
Location : Abuja

Job Number: 501562
Work Type: Temporary Appointment

Job Summary
In north-eastern Nigeria, humanitarian crisis arising from violent attacks on civilians by Boko Haram since 2009 has directly affected more than 14 million people in Adamawa, Borno, Gombe and Yobe States. More than 2.2 million people have fled their homes and 7 million people are estimated to be in need of humanitarian assistance.
In view of the severity of the situation, UNICEF declared Nigeria as Level-3 emergency in August 2016. The activation of L3 necessitates Results Based Monitoring of the humanitarian response, i.e., measuring progress against agreed high frequency indicators and targets; assessment of the quality of response; identification of implantation constraints; and feedback from the affected populations about access, relevance and timeliness of the response.
The office has established a system for Humanitarian Performance Monitoring (HPM) which needs to be sustained by a dedicated humanitarian performance monitoring specialist based in the Maiduguri Field Office, Borno State, Nigeria.

Minimum Qualifications and Competencies
University degree (Master’s or equivalent) in Development Studies, Demography, Statistics, Economics or Management studies with relevant work experience
A minimum of 5 years’ experience with either the UN and/or in a any reputable international NGO- with expertise in demography, statistics, and/or information management
Familiar with M&E frameworks and tools used in humanitarian contexts with specific reference to partners’ reporting, field monitoring and situation monitoring
Working knowledge of human rights, gender equality and diversity awareness and experience in undertaking disaggregated data/equity gap analysis
Fluency in English (verbal and written) is essential and ability to speak local language (Hausa) will be preferred.

Other Required Competencies:
Communication
Working with People
Drive for Result
Analyzing
Applying Technical Expertise
Planning and Organizing

Application Closing Date
8th December, 2016.


https://www.unicef.org/about/employ/?job=501562

Contd......

Job Title: Senior Programme Officer
Location: Abuja

Job Description
This exciting and challenging position carries responsibilities for project development, management and implementation.
Other Responsibilities include:
Fundraising, networking, research support and policy analysis, monitoring and evaluation, events organising and conference coordination. Reporting to the Head of Programmes.

Education/Qualification
The suitable candidate will hold a post-graduate Degree in the Social Sciences, Humanities, Law or related field, experience of working in post-conflict or transition environment,

Skills/Abilities
Excellent IT and administrative skills;
Adaptability to new demands and changing circumstances;
Sound analytical and report writing skills;
Ability to translate strategic aims into practical plans;
Ability to work under pressure to strict deadlines as well as demonstrable experience of project management and multi-tasking.
Strong inter-personal and communication qualities will be coupled with teamwork skills and the post-holder will have a good understanding of democratisation, international development and human security issues in the West Africa sub-region.
Fluency in French is an advantage.








Job Title: Senior Finance Officer
Location: Abuja

Job Description
The Centre is inviting applications from qualified candidates to fill the position of Senior Finance Officer in the Centre.
The person will be based in Abuja and will be responsible for the day-to-day management of the financial operations of the organization.
Supervise the finance and foster collaboration and cooperation between Finance/Administrative and Programme staff as well as liaise with donor organizations.
Specific duties include reviewing and forecasting monthly project and office expenses of the organization and partner organizations, coordinating finance department tasks, overseeing office accounting, grants management and other general financial duties. Person Specifications

Education/Qualifications
The candidate must be a Chartered Accountant with preferably a Master’s degree in Finance or Accounting.
S(he) should have at least ten (10) years experience in a Related position, part of which must be in an international agency or the NGO sector.

Skill/Abilities:
Proficiency in computerized accounting packages (QuickBooks, Excel, Word etc) is required, as well as attention to details; strong writing and oral communication skills.
Demonstration of managerial and strong analytical problem solving skills with ability to handle sensitive and confidential data with discretion and integrity is a must. Excellent planning and prioritisation skills also required.








Job Title: Senior Monitoring and Evaluation Officer
Location: Abuja

Job Description
The Senior Monitoring and Evaluation Officer’s specific duties will be program monitoring and evaluation: ensuring that the programme is performing optimally to achieve established results/targets, and monitoring progress on performance indicators.
S/he shall develop and manage the system for reporting on programme results as per monthly reporting guidelines and to donors as per donor reporting guidelines.
S/he shall: ensure that programme plans and activities are directed towards achieving targets identified in proposal performance management plans and Annual Operating Plans; assist in negotiating with funders over indicators/performance information required from the organisation; implement and monitor a system for collecting data and information from Programme staff, partners, and sub-grantees on indicators/targets, including success stories that highlight the work of the organization.
S/he shall be familiar with and communicate to rest of staff the basic tenets of programme Monitoring and Evaluation (such as the OSIWA, USAID, UNDP etc log frame, or “logical framework” approach).
S/he shall ensure that reports conform to specified/required formats, and that reports correspond to grant-specific.

Education/Qualifications
The ideal candidate will bring: 6+ years’ experience in programme monitoring and implementation.
Thorough familiarity with grant rules, regulations and requirements common to programmes funded by development cooperation agencies & foundations (such as USAID, DFID, NED, UNDP, OSIWA etc), and Proven abilities in programme DME (design, monitoring, and evaluation), including familiarity with best practices in use in the NGO sector to plan, monitor, and measure impact of programs.
This position requires the ability to work with a diverse team, to manage pressure effectively, and strong organizational skills are all essential.

Salary
Very Competitive.


How to Apply
Interested and qualified candidates should forward a one page Cover letter, a maximum 3 page resume and referees contact details by email to: recruitment@cddwestafrica.org

Note
Only shortlisted applicants will be contacted.
Only Electronically submitted applications will be entertained. Scanned applications will be disregarded.
Subject line of emails must state clearly the Name of Applicant and Job Title of position applied for.

Application Deadline 15th December, 2016.

The Centre for Democracy & Development (CDD) is an international, non-governmental organisation dedicated to research, training and advocacy on issues of democratisation, development and human security in West Africa, we are recruiting to fill the vacant job positions below:


Job Title: Administrative Officer, Logistics
Location: Abuja

Job Description
This exciting and challenging position carries responsibilities of: Co-ordinating the logistics support for programmes, including requisitioning, receiving, storing, transportation, customs clearance, issuing and processing payment for services in accordance with CDD policies and guidelines.
Responsible for identifying and promoting compliance with good transport and logistical practice by proactively identifying broader issues regarding logistical weakness/non-compliance to policies and guidelines for the assigned country/state programmes, develop logistics procedures in cooperation with internal and external stakeholders within institutional donor rules and guidelines
Facilitate the supply chain for the organisation from procurement of goods into stock or direct to programmes including setting up transportation framework agreements after appropriate tendering processes and arranging freight forwarding or transport; ensure that goods/services are procured in a timely and cost effective manner within donor regulations, advise field logistics teams on logistic procedures to ensure compliance with CDD policies, donor regulations and follow-up issues of non-compliance.
Other responsibilities are: monitor and enhance procedures in operational programmes through field visits, giving advice and training, ensuring that programme staff follows donor rules, guidelines and good practice, oversee the Asset Register to ensure that it is up to date and coherent with programme logistics asset lists with all supplied assets, coordinate with Programmes and Field Office staff to ensure asset management and disposal procedures are followed in accordance with CDD policy as well as donor requirement.

Education/Qualification
A degree in Logistics and/or any other related qualifications with at least 3 years of experience in a similar position at an NGO or international body.

Skills/Abilities:
Ability to use QuickBooks and Ms Access is necessary, knowledge and experience of logistics and fleet guidelines, meticulous, courtesy, good communication skills and ability to work as a team..










Job Title: Programme Officer
Location: Abuja

Skills/Abilities
Excellent IT and administrative skills,
Adaptability to new demands and changing circumstances,
Sound analytical and report writing skills,
Ability to translate strategic aims into practical plans,
Ability to work under pressure to strict deadlines as well as demonstrable experience of project management and multi-tasking.
Strong inter-personal and communication qualities will be coupled with teamwork skills and the post-holder will have a good understanding of democratisation, international development and human security issues in the West Africa sub-region.

Qualifications
The successful candidates will hold degree level education in the Social Sciences, Humanities, Law or related disciplines with at least 2 years of cognate experience.











Job Title: Executive Assistant
Location: Abuja

Job Description
S/he will work directly with the Director organizing documentation, keeping records, monitoring programmes, carrying out internet searches and other duties that will facilitate the work of the organization.

Education/Qualification
S/he should have B.Sc or HND in Mass Communication, English Language or related subjects.
Must have at least Second Class Lower.
At least three years experience in similar job.

Skills/Abilities:
Ability to use office programmes like word, excel and power point.
Familiarity with the internet is essential.
Ability to thrive under pressure with limited support and effective and persuasive communication skills are required.

Nic3:
We stay in the same compound but different apartment

Okay,but you guys can move out right? Is the house owned by your father in law?

beinstein:
Op, kindly define "unlimited" using your dictionary, let's start from there.

You nailed it

The United States Agency for International Development (USAID) Nigeria is seeking to employ a suitable and qualified candidate for the position below in the Program Office (PROG):

Secretary
Location : Abuja

Solicitation Number: AID-620-S-17-00002
Work hours: 40 hours (Full time)
Position Grade: FSN 7
Period of Performance: Five years renewable.
Who May Apply: Nigerians Only (Resident in Nigeria).

Basic Function of the Position
Serves as Secretary/Office Manager to the Program Office, USAID/Nigeria. Performs the full range of secretarial and administrative functions essential to the efficient performance of individuals and team supported.

Major Duties and Responsibilities
Serves as Secretary for the Program Office, USAID/Nigeria, providing a wide range of representative support services, including: maintains calendars; organizes meetings as directed; schedules meetings for Program Office team members; sends out meeting notices, etc.; makes travel arrangements, prepares trip requests, vehicle requests and travel vouchers; assists in the preparation, review and submission of procurement requisition packages (GLAAS); composes non-technical correspondence, including responses to unsolicited proposals and applications; researches and assembles information for various reports, briefings, and conferences; prepares routine reports, briefings, preparations, and analyses; follows up with Mission staff members to ensure that commitments are met; edits written products prepared by or provided to the Supervisory Program Officer.
Performs a variety of clerical and procedural duties, including: providing telephone, receptionist, and protocol services for the Program Office; orders expendable supplies; files material and maintains the filing systems; receives and controls incoming correspondence and communications; prepares work orders for repair of office equipment and systems; and schedules the use of conference rooms in coordination with other Mission secretarial staff.
Assists the Program Office with the preparation, management, response and tracking of Program Office general correspondence, including unsolicited proposals and applications.

Qualifications/Evaluations Criteria
Education: Completion of secondary school is required. At least two years of post-secondary school, business school, or college, including typing, office practice, and word processing is required.
Prior Work Experience: Must have at least five years of progressively responsible secretarial and clerical experience. This can include experience in related work with overseas development organizations, other donor organizations, host-government organizations, or private sector institutions.
Post Entry Training: On-the-job training in USAID-specific procedures, rules and regulations. Training in USAID-specific systems such as eCC, GLAAS, Assist, and Webgram will be provided.
Language Proficiency (List both English and host country language(s) proficiency requirements by level (II, III) and specialization (speak/read): Level IV (fluent) English oral and writing ability is required.
Job Knowledge: Good knowledge of office management procedures and practice is required.
Skills and Abilities: Level II typing ability (40 words per minute) is required; typing test may be requested of candidates.
Proficiency in operating computers with standard software, including Microsoft Word, Excel, PowerPoint, Outlook, and other software programs is required. Testing of computer and software skills may be requested of candidates.
Must be proficient in using the internet and e-mail.

Salary
N4, 766,721 p.a (starting basic salary). In addition to the basic salary, all allowances will be paid in accordance with the Mission Local Compensation Plan.

Method of Application
Applicants should submit a complete Application Package which must include all required documents stated below to: AbujaHRAID@state.gov

Required Documents

Signed Application for US Federal Employment (DS-174); or a current resume or Curriculum Vitae that provides the same information as a DS-174.
Any documentation that supports or addresses the requirements listed above
(e.g. transcripts, degrees, NYSC certificate/exemption etc.).
A type-written and signed application letter specifically applying for this position, and addressing the minimum requirements as advertised. Please reference the job title and announcement number on the application letter.
Limit all electronic (e-mail) submission to one entry/email not larger than 5MB. Please submit attachments in PDF and Word formats (version 2003 or later version).
E-mails received without the appropriate subject line and incomplete applications will not be considered. Applications must contain the solicitation number and position title.
Note

Only short-listed candidates will be notified
This solicitation is open only to Nigerian Nationals.
Applications with insufficient information to make a determination will not be considered.
Any/All application submissions after the closing date will not be considered.
No in-person appointments or telephone calls will be entertained.
Mailed (paper/hard copies) applications will NOT be accepted.
USAID is an equal opportunity employer , all ethnic groups and genders are urged to apply

The Nigeria Supply Chain Integration project which is funded by the Global Fund is designed to improve patient access and availability of medicines – through visibility, control and efficient last mile delivery. The project will also ensure tighter integration of National health commodities supply chains between Federal & State, Donors, Public & Private Sector, and across commodities - HIV, Malaria, TB, Reproductive Health and Vaccines.

i+consortium, which comprises international and local organizations is responsible for the establishment of functional Logistics Management Coordinating Units (LMCU) and deployment of Logistics Management Information System (LMIS) tools at State and LGA levels. The consortium will be supporting the National Product Supply Chain Management Program (NPSCMP) within the Food and Drugs Services (FDS) Department of the Federal Ministry of Health (FMoH) in achieving its set objectives of having a streamlined, cost effective and ultimately more sustainable National Pharmaceutical Supply Chain. As a result, we are looking for:

LMCU – Zonal Coordinators
Location : Abuja, Cross River, Gombe, Imo, Lagos, Sokoto

Details:
In line with the NSCIP’s strategies, the zonal coordinator(s) will provide hands-on guidance to the State Ministry of Health (SMOH), partners, and other stakeholders within assigned zones. The coordinator will lead a team of consultants in strengthening the Logistics Management Coordination Units (LMCUs) and related supply chain systems across supported States and LGAs.






State Logistics Management Coordination Consultant – Coordination and Strategy Consultant
Location : Adamawa, Bauchi, Bayelsa, Borno, Delta, Ebonyi, Edo, Ekiti, Enugu, Gombe, Jigawa, Katsina, Kebbi, Kogi, Kwara, Niger, Ogun, Ondo, Osun, Plateau, Taraba, Yobe, Zamfara


Details:
The State LMCU consultant, in collaboration with the State team, will provide technical support for the strengthening of the Logistics management coordination units and improving related supply chain systems at the State and LGA levels. The State LMCU consultant will be based in the LMCU office under the Directorate of Pharmaceutical services in the State of deployment






State Logistics Management Coordination Consultant – LGA Data Consultant
Location : Adamawa, Bauchi, Bayelsa, Benue, Borno, Delta, Ebonyi, Edo, Ekiti, Enugu, Gombe, Jigawa, Katsina, Kebbi, Kogi, Kwara, Niger, Ogun, Ondo, Osun, Plateau, Taraba, Yobe, Zamfara

Details

The key role of the LGA and Data Consultant will be to support the set up and operationalization and optimization of the LGA units and data collection and reporting to respective stakeholders. In addition, the consultant will work with community based structures to support service delivery/recording and reporting practices and support LGA coordination.



Method of Application
Details on specific responsibilities for each role, eligibility criteria and instructions for submission of applications can be accessed at https:///e6TKr2

https://www.dropbox.com/s/8evqhdld7w8ku5l/LMCU%20consultants_Terms%20of%20Reference%20for%20advert%20%20placement.pdf?dl=0

Accept defeat when necessary

Okay.

Nne, you guys should pls move out! How can your husband, his brother's family plus his parents stay in one house? Of course, you won't expect things to work out smoothly.

You guys should rent an apartment even if it's a single room, you have a job and he has something doing. You guys can start with 'face to face' pending when there will be money to rent a flat. There's nothing like having your own freedom as a married woman.

As for the gossip, just turn deaf ears to them. What matters is your conscience tho it won't be easy, but you don't have a choice.


Lastly, pls don't say "you're above your husband" next time. You got married to him and he paid your pride price so your superiority doesn't count anymore.

Palladium is a global leader in the design, development and delivery of Positive Impact - the intentional creation of enduring social and economic value. We work with foundations, investors, governments, corporations, communities and civil society to formulate strategies and implement solutions that generate lasting social, environmental and financial benefits.

We are recruiting to fill the position of:


Consultant, OVC Service Providers Directory

Activity Code: 17630.302.XNG.008
Locations: Abuja, Benue, Nassarawa, Rivers, Cross River, Akwa-Ibom and Lagos.
Technical Supervisor: Senior Resident M&E OVC Advisor

Objectives
The key objective for the short-term technical assistance is to support compilation and development of OVC service providers directory in the 7 pilot States - FCT, Benue, Nassarawa, Rivers, Cross river, AkwaIbom and Lagos.
Period: 30 workdays
Number of consultant(s): 1
Estimated level of effort: 30 working days (spread over 2 months) to be renewed based on need
Deliverables

All OVC service provider in 7 Pilot states completely entered into a formatted directory template
Provide a comprehensive report at the end of the period reflecting task that were assigned and carried out including findings and recommendations

Responsibilities
Role of Palladium:
Provide 1 day orientation on Measure/PalladiumOVC M&E system and required task
The Palladium supervising technical staff will liaise with the consultant on a day to day basis to provide needed support throughout the period
Provide all the financial and logistic requirements - Accommodation and per-diem for the consultant, consultancy fees will be negotiated according to level of expertise.

Role of Consultant:
Perform the roles specified in the TORs above.

Qualifications:
The Consultant will be a graduate with at least 3 years of monitoring and evaluation work experience in OVC program and or Masters degree in the area of public health
S/he must be computer literate
S/he must have the ability to use excel and other databases

Terms and Conditions
The consultancy is for a period of thirty days (30) days as follows:
1 day orientation
27 days of work on the directory including development of directory templates, meeting with stakeholders
2 days for finalization and submission of report.



Method of Application
Applicants should forward their applications to: amaka.osuala@thepalladiumgroup.com