₦airaland Forum

Hello, great Nairalanders, and Guests!

My team is working on a simple survey to determine whether people would like to flip their gender or Not if given the chance to do so.

The questionnaire has just 4 questions, and it takes just 5 seconds to complete it.

It's anonymous, so we don't collect any data about your identity, and this form is only for educational purposes.

https://surveymars.com/q/itNYmEs9C

Your own is better, some are now using voodoo, you will lose consciousness while giving them money and they pretend they are sending money from their card to your POS.

Your eyes go jus clear after den vamute

Vergovert:
You went to meet them in their natural habitat to kill them.

You are right, except this!

Unless it's an aquatic animal, the habitat belongs to us all, even in the wild, we both belong there.

We only restructure the environment we live today to suit our social lives.

Having said that, I let go the third one.

Starboytwo:
sir you are wasting time. When will you roast them and wash it down with Gulder or Trophy.

Na big snake I dey chop ooo, roasted o, grilled o, fried o, steamed oo, cooked and peppered ooo, e goes

Bluna:
Are you sure these are not cobras?

The head actually looked like it, but it's not.

They don't exhibit similar behavior based on what I experienced today.

Also, Google image showed plenty of its kind, and I'm sure the data I got trying to know more about it is correct.

Sometimes, I love being around nature, especially my garden.

As I was entering the garden just now, I was thinking if I could just see another one, and viola, I found it near the dead, and I had to sympathize with it.

This was after my extensive study on the specie, and realized it's not threatening, though its head looks like strong venomous snakes, and cobra's.

Here's the link to show the vid
https://streamable.com/20jh4m

I Let it Go!

funnyDM:
These specie of reptiles are not found in Nigeria...

Don't rely on Google only bro.

These were found in Ondo state, Nigeria.

MatrixReloaded:
You are not a lover of animal, then allow them to play and even bite you. Then I can say you are a lover of animals or reptile
In the garden they formed men!

Really, so it interests you if one is bitten by snake?

I'm an agriculturist, and a lover of animals.

There are times I leave snakes to go freely, but can't resist the urge to kill these reptiles today having found them in my garden.

I saw the first on the fence, and after about 40 minutes, even when I'm still surprised the dead snake is still having locomotion, I saw the second one around the same place.

Possibly they came from under the rock because it's a rocky area.

Now, I've learned more about this 🐍.

Nigeria Future Oil production has been traded for loans, up to 50 years, this is still unbelievable to me.

Question
Nigerians have been battling persistently high petrol pump prices in recent weeks, largely driven by the surge in global oil prices following the US/Israel–Iran war.

Yes, global oil prices fluctuate daily, just like exchange rates, and both directly impact local petrol prices.

But here’s the question:
Why do Nigerian oil marketers adjust pump prices almost immediately when global oil prices rise, yet fail to respond with the same speed when prices fall?


Answer
Oil marketers operate as profit-driven businesses, and their pricing behaviour reflects this reality.

When global oil prices rise, they anticipate higher replacement costs for their products and adjust pump prices accordingly to avoid losses when restocking at higher rates.


Question
Ok sir, are you saying the price is adjusted from the major dealers?


Answer
The current system requires independent marketers to source products through major marketers, unlike the earlier arrangement where they could buy directly from depots.

This shift has increased dependence on a few dominant players, effectively turning them into intermediaries and placing smaller marketers at their mercy.



Question
Ok, I think the industry is not well-regulated as there's no price control.

Onto the next question.

The Dangote Refinery has the capacity to process 650,000 barrels of crude oil per day.
Meanwhile, Nigeria’s daily petrol consumption is about 327,000 barrels (approximately 52 million litres).

Therefore, the refinery has the capacity to meet 100% of Nigeria’s local demand.

So, why are we still importing crude, which definitely contributes to high petrol pump prices?


Answer
Only about 20% of Nigeria’s crude oil production is allocated to Dangote Refinery like I said, meaning the refinery must source the remaining supply from the international market.

This reliance on foreign crude exposes it to global pricing and foreign exchange fluctuations.


Question

What could be the reason(s) for this?

Answer
The primary reason is that a substantial portion of Nigeria’s crude oil has been tied to loan agreements by previous administrations, a practice that continues today.

These crude-backed loans reduce the volume available for domestic refining.



Question
Ex-president Muhammadu Buhari, upon resuming office, cancelled some existing crude-for-refined-product swap contracts inherited from the previous administration with the intent of addressing corruption and inefficiencies in the oil sector, but later continued with crude-backed loans.

Don't you think President Tinubu should use force majeure on about $8 billion crude-backed loans taken during the previous administration so Dangote Refinery can have adequate crude to refine for local consumption?

Perhaps, Nigeria produces not less than 1.5 million barrels of crude oil daily, and the crude-backed loans taken during Buhari's administration are paid back with 30,000 barrels of crude daily.


Answer
Available information suggests that a significant share of Nigeria’s crude oil has already been committed under long-term international agreements tied to loans.

In some cases, these commitments span decades, meaning that even future production, up to 50 years, has effectively been pre-allocated.


Question
This is heartbreaking, but I think the daily payback in crude equivalent shouldn't affect our supply for local refining of crude oil.


Answer
Nigeria produces not less than 1.5 million barrels of crude oil daily. However, due to existing obligations and inefficiencies, only a limited portion of this production is available for domestic refining.

For as long as Dangote remains in business to make a return on its multi-billion-dollar refinery investment, we can only hope for the best outcomes for Nigerians.

Refineries, including Dangote Refinery, buy crude oil at global benchmark prices, often in dollars, even when sourced locally. That naturally increases production costs.


Question
If the Nigerian government is benefiting from high global oil prices, why can’t it temporarily reintroduce subsidies during this crisis or sell crude to Dangote Refinery at a controlled, benchmarked rate until the situation stabilizes?

Again, why can't we have strategic petroleum reserves to absorb shocks in times like this?



Answer
The challenges facing local refineries go beyond funding and infrastructure.

There are deep-rooted issues within the system, including inefficiencies and alleged sabotage by some actors within the sector, which have historically hindered optimal refinery operations.


Question
I mean, why can't the government reintroduce subsidies or sell crude to Dangote at a controlled price for the meantime so the government can control pump prices a bit?


Answer
No government is likely to willingly reintroduce fuel subsidies, regardless of short-term benefits.

Subsidies have historically been associated with fiscal strain, corruption, and inefficiencies, making them an unsustainable solution in the long run.


Question
What about having petroleum reserves?

Many oil-producing countries have them.

Answer
The establishment and effective management of petroleum reserves depend largely on administrative efficiency and institutional discipline.

Without proper oversight, such reserves may fail to serve their intended purpose.
Fuel subsidy has long been criticized as a system that enables corruption and enriches a few individuals.

While its removal has created economic hardship, many believe it remains a necessary step toward reforming the oil and gas sector.


Question
Petrol prices have risen globally, from Africa to Europe, America, and Asia.

However, Nigeria feels the impact more severely. Why do we suffer more?


Answer
That remains a critical question. If the appropriate policies, structures, and accountability mechanisms were in place, Nigeria might not find itself in the current situation.


Question
Petrol is not just used for transportation; it powers generators in homes, businesses, and industries due to the country’s weak electricity supply.

Here’s a serious question:

Is the harsh impact of high petrol prices in Nigeria largely a failure of governance, especially in the power sector?


Answer
Yes, to a large extent, it reflects governance challenges.

The country’s heavy reliance on petrol for power generation due to inadequate electricity supply has heightened the impact of rising fuel prices on citizens. Yeah, I totally agree with that.


Question
A comparison of pre-war and current petrol prices across African countries shows that Nigeria’s percentage increase is higher than in many others.

So, what’s responsible for this? Could it be structural inefficiencies or deeper issues like corruption within the oil and gas sector?



Answer
The oil sector is widely regarded as one of the most opaque sectors in Nigeria, where corruption has been deeply entrenched over the years.


Question
You mean the Nigerian oil and gas sector?



Answer
Yes, the Nigerian oil and gas sector has long struggled with transparency.

To date, there are persistent concerns that no comprehensive and fully credible audit of the national oil company has been successfully carried out since independence.


Question
In the last quarter of 2025, the Dangote Group suspended the crude-for-naira deal with NNPC.

Since then, it has increased exports of refined products such as fuel oil, naphtha, and diesel to Europe, West Africa, and the United States.

Nigeria is exporting refined fuel while its citizens struggle with high domestic prices.

So, what exactly led to the suspension of that deal? Why is the refinery now importing crude to supplement local supply? And what is the government doing to address this?
This is a 3-in-1 question.



Answer
The situation reflects the government’s attempt to balance competing interests between private investors like Dangote and international stakeholders.

As a result, policies sometimes appear to favor certain players. The reliance on Dangote Refinery for domestic supply has also led to decisions that consolidate market control, including limiting the role of other marketers.



Question
Headline inflation stood at about 15.06% in February, yet many states are already experiencing inflation above 20%, driven largely by food prices and rising local costs.

If this war persists and global oil prices climb beyond $150 per barrel, the consequences could be devastating for Nigerians.

Do you think the government has any concrete plan to cushion these effects?



Answer
There appears to be limited confidence in the government’s immediate plans to cushion the economic impact.

Political priorities, particularly upcoming elections, may influence the pace and seriousness of policy interventions.


Question
Finally, if you were the President of Nigeria today, what immediate steps would you take to ease the burden of high petrol prices on the masses?


Answer
Nigeria must prioritize achieving full domestic refining capacity, regardless of the cost or effort required.

In the short term, the government should take a more active role in monitoring and regulating fuel prices to prevent excessive profiteering and protect consumers.


Conclusion

Crude oil plays a crucial role in determining global oil prices because it is the primary input in the petroleum value chain.

Before you talk about oil refining, crude must first be sourced, and its availability and cost directly impact oil pump prices and the refined products.

Let me be honest with you, as it stands today, Nigeria allocates only about 20% of its crude oil to local refining because our crude oil has always been used as collateral for international loans for a long time.

As a result, we remain heavily indebted as a country, and a significant barrel of crude is already committed to servicing these debts.

Now that Dangote Refinery is currently acting as the dominant buyer and processor of our crude for local consumption, it holds considerable influence over pricing in the domestic market.

As a private business, its pricing decisions are guided by profit considerations, which places the country in a delicate position at the moment.

Also, the involvement of middlemen in the distribution chain further contributes to the price variations we experience.

For example, Dangote sells directly to the major marketers such as MRS, Total, Conoil, OPTIMA, etc., just to mention a few, as against the former practice where independent marketers could buy directly from the depot.

These are some of the reasons we are experiencing a spike in the price of petroleum products.

lionshare:
Electronic transmission will not stop or reduce rigging. If you ask people exactly how it would, the answers often become vague or inconsistent. Much of the noise around electronic transmission comes from opposition parties that cannot afford to station representatives at every polling unit.

In reality, even with electronic transmission, parties that have a strong presence on the ground will still prevail. Elections are essentially a popularity contest, and ultimately the courts still rely on physical result sheets. This is the same basic principle followed in many electoral systems around the world.

Besides, with the current electoral process, candidates who only have “helicopter money” but lack grassroots presence will find it harder to win primary elections. In a way, that technically returns some power to the people. It also reduces the incentive to deploy large amounts of dollars during elections, since campaigning now requires spending more in naira than in foreign currency. That could be seen as a smart way to limit excessive demand for dollars, which often puts pressure on the naira during election periods.

Personally, I commend some parts of the amended electoral acts.

I also agree that E-transmission is not free from manipulations.

However, we only need to be sincere, and embrace free and fair elections, but we aren't there yet in Nigeria.

Most leaders are power intoxicated, they are not vying for the positions to serve the populace.

Dannieln1:
I time to come we will change the narrative

I hope so, that's if more intelligent and sincere people start getting involved in politics

Dannieln1:
Brother with 0.001% of what was budgeted for this election we can use it to setup one of the best cybersecurity framework to curb hacking

It can be done.
Me and you know that they won’t do it.
Look at our banking system, you hardly hear cases of hacking because the security system is top notch and it won’t cost the governments upto 300million

Infact electronic transmission of result is cheaper and flawless, that’s if they truly want to conduct a free and fair election

You're right?

Dannieln1:
Let me read this newsletter and the come back to comment
With all due respect to Barrister M.M Bada some of your takes are wrong, how can you say manual coalition of result is better than real time transmission, then why are we clamoring for real-time transmission of results. We’re not saying the election should be hundred percent free and fair which I know it’s not possible but at least 80% fairness is all we ask for.

Electronic transmission will eliminate a lot of rigging.

Beside the budget for next year election if properly managed can can can take care of all this problems he stated.


WELL THIS IS NIGERIA!!!
Corruption capital of the world.

Hmmmmm, you're right, but don't you think they can still tamper with Electronic Transmission, this is naija nah.

President Tinubu frankly said human intervention is required in both methods - humans control tech.

omowolewa:
Well explained, what am happy with is the direct primaries.

It returns control to the Parties, not one dollars welding contestants.

Since 1999, Nigerians have always been faced with imposed candidates

Yeah, you're right.

I think if we don't get tired as Nigerians to continue to push for better policies, and also if incorruptible youths start getting into governance, things will gradually get better.

Educative lecture for Nigerian youths

@fergie001 @Mynd44

Most Nigerians distrust the country’s electoral process, especially the transmission and collation of results.

Despite the adoption of technologies such as BVAS and IReV, there appear to be loopholes in the legal framework governing the electoral process.

In an effort to strengthen the system, the lower chamber of the National Assembly (NASS) has mandated real-time electronic transmission of results, while the upper chamber has provided an alternative for manual transmission should technology fail.

Finally, President Bola Tinubu signed the electoral acts and it was not stated whether the presiding officer should use electronic transmission or manual transmission.

Therefore, the leadership of Ekimogun Youths Connect (EYC), led by Comrade Famakinwa Lucaskakaki themed their 2nd edition of Monthly Lecture Series towards this issue.

TOPIC: Nigeria Election Results: E-transmission vs Manual

In this edition, Barr. M.M. Bada, a legal practitioner, and public affairs analyst did justice to the burning questions.





Q.1

The proposed reform by the National Assembly Committee on Electoral Matters, Section 60(3), contains three key elements:





Mandatory electronic transmission of election results



Explicit reference to the INEC Results Viewing Portal (IReV); and



Real-time upload of results while collation officers and party agents are present at the polling units.

Section 60(3) was initially rejected outright by the Senate, sparking reactions from civil society organisations before the Senate eventually adopted a modified version of the clause.

Why do you think the Senate rejected this reform in the first place?


Thank you very much for the question.

You will agree with me that the upper chamber, the Senate, is made up of experienced individuals.

When we look at the proposed bill by the House of Representatives, it recommended the immediate adoption of electronic transmission of results.

However, you will also agree that electronic transmission can be manipulated.

There are additional challenges associated with electronic transmission, such as network instability and electricity issues, which could affect its effectiveness.

These are some of the concerns the Senate considered. In its judgment, it proposed that there should be a backup system on which INEC can rely in case electronic transmission fails.

The distrust in Nigeria’s electoral process led many Nigerians to question why the Senate rejected electronic transmission.

However, electronic transmission cannot yet be fully implemented without addressing existing challenges such as electricity supply and network connectivity.

That is why the Senate did not support 100 percent reliance on electronic transmission.



Q.2

The version of Section 60(3) adopted by the Senate provides that results shall be transmitted to IReV and that, in the event of communication failure, Form EC8A (manual transmission) shall serve as the primary source for collation and declaration of results.

However, “communication failure” is not clearly defined, thereby creating ambiguity in the amended clause.

Some senators have reiterated that connectivity in rural areas is limited.

Given the configuration of BVAS, results can be captured and stored without internet connectivity and transmitted automatically once connectivity is restored.

Do you think low connectivity in rural areas justifies retaining manual transmission?

If you examine Section 60 of the Electoral Act recently signed by the President, you will notice that there is no clear provision stating whether the presiding officer must use electronic or manual transmission.

The provision appears ambiguous, as it simply states that the Presiding Officer shall record the results in Form EC8A as specified in Section 60.

First, it is not ideal to amend electoral laws less than a year before a general election. Such amendments should be made at least two years before the election to allow adequate preparation and implementation.

Low connectivity in rural areas should NOT be a sufficient reason to exclude electronic transmission from our electoral laws.

In my view, ICT experts in Nigeria should have advised lawmakers and INEC to develop a reliable system that presiding officers can use to record results.

Such a system could allow results to be entered and verified by the presiding officer, security officials, and party agents.

Where discrepancies arise, manual records could then be used for comparison and correction.

There should be a secure system that receives results in a manner that prevents further alteration.

Low connectivity should NOT be a basis for rejecting electronic transmission.

There are many strategies that can be adopted to combat the falsification of results, which remains a major challenge in our electoral system.

As I have stated, low connectivity in rural areas should NOT be a ground for rejecting electronic transmission.



Q.3

So, you think the risks associated with electronic transmission should be mitigated, since manual collation leaves room for human interference compared to electronic transmission?



The challenges associated with electronic transmission can, in some cases, exceed those of manual transmission.

Electronic systems can also be compromised if not properly secured.



Q.4

Communication failure is the Senate’s primary reason for opposing real-time transmission.

In your view, could this create a loophole for deliberate network sabotage by presiding officers, INEC officials, or politicians, especially since the term is not clearly defined?

Both electronic and manual transmission processes can be manipulated, depending on the integrity and disposition of the individuals handling the results.





Q.5

Let us also consider how election results are transmitted and collated in Ghana and South Africa.

In Ghana, results are transmitted manually from polling units to constituency collation centres and then to regional collation centres before being forwarded to the national collation centre.

In South Africa, votes are counted at polling units and signed by the presiding officer and party agents.

A copy is posted at the polling unit, while results are captured using GPRS-enabled mobile devices or transported to local offices for scanning.

Can we therefore conclude that retaining manual transmission, at least for now, is not necessarily problematic?

It is relatively easy to disrupt network connectivity. Simple devices can interfere with signals within a limited range.

If such interference occurs, electronic transmission may be affected, forcing a return to manual transmission.

We must be honest with ourselves. Addressing the problems affecting Nigeria’s electoral process requires genuine commitment from all stakeholders - lawmakers, politicians, civil servants, security agencies, and citizens alike.

Without that collective resolve, reforms may not achieve their intended impact.



Q.6

As you mentioned, the Electoral Act signed by the President does not clearly state whether the presiding officer must use electronic or manual transmission.

Do you think a presiding officer could deliberately delay transmission, whether electronic or manual?

Do you think this situation could create opportunities for result manipulation?

Or why does South Africa not experience similar controversies as Nigeria?

If a presiding officer is poorly accommodated before an election and depends on politicians for basic needs such as food, questions will naturally arise about independence and impartiality.

In such circumstances, a presiding officer could deliberately delay or frustrate transmission, whether electronic or manual.



Q.7

How do you reconcile the Senate’s position with the repeated assurances by INEC that it has the capacity to deploy technology effectively?

Results can be altered under either system, depending largely on the integrity, belief, and conviction of the presiding officer.

This is why I consistently emphasise the need to build and mentor young people to be patriotic and incorruptible, so that when they occupy positions of responsibility, they cannot be easily influenced.



Q.8

Do you think the Senate should propose a comprehensive cybersecurity framework to strengthen digital transmission instead of limiting its use?

Yes. It is time for lawmakers to enact comprehensive electoral reforms. The “fire brigade” approach to lawmaking must end.



Q.9

Finally, in your opinion, what measures should the National Assembly put in place to ensure that election results are transparent, credible, and widely accepted?

When you attempt to enact strong and effective laws, you may become unpopular with those who benefit from weak ones.

In my view, the process for appointing the INEC Chairman should be reconsidered.

For example, rather than being nominated solely by the President, alternative mechanisms could be explored to ensure greater independence and public confidence.

Secondly, there should be a national conference comprising carefully selected stakeholders to draft comprehensive and enduring electoral laws.

Relying solely on lawmakers who may have political interests may not always produce the most objective reforms.



Conclusion

Thank you once again!

We appreciate your contributions tonight and hope you will join us again when invited.

Dear people of Ondo, we have spent the last hour discussing this important topic: Election Results - Electronic Transmission vs Manual Transmission.

Our guest speaker has been Barrister M.M. Bada, legal practitioner and public affairs analyst.

Of course, I will always be available to answer your call.

I can understand you quite well because I work from home full-time too.


The best advice is to move to a better apartment where you won't have more than 1 neighbour (working class), and make sure you get foodstuffs in bulk so you can be indoors without letting people know you're around.


Though, people near your house would still feel that they don't see you often, at least, you won't have to be misjudged by illiterate and jobless neighbours.

Having high #cholesterol makes you overweight or makes you gain weight most of the time, but sometimes it can make you #lose #weight for no apparent reason.

For example, this is especially true when cholesterol blocks make stomach or liver function worse.

Since the liver processes most cholesterol, having too much of it makes it hard for the body to break down fat and absorb nutrients.

Unintended weight loss can be a symptom of other serious diseases, such as diabetes, chronic inflammation, or a thyroid imbalance of which may be modulated by fat digestion.

Additionally, long-standing high levels of cholesterol and blood pressure may render the body in a hypermetabolic state.

This is a situation in which proper food intake is Not Had, and your body will waste energy rather than use it to sustain weight loss.

If you do not know why your weight changed, you should check your cholesterol and blood pressure, as either may be related.

It could indicate early signs of metabolic disorders, such as changes that can be corrected with diet or medication.

Healthpally

osuofia2:
The poor crying on behalf of the rich, they don't even know this tax reform is not for them

Sincerely, the only worry is inflation, that's where the masses can suffer it.

Source
https://www.businesspally.com/nigeria-new-tax-laws-faqs/

I think this would help many Nigerians.

Sincerely, after the lecture, I realized this reform is targeted at the Rich and not the Poor Nigerians.

Just this week, The Director, National Orientation Agency (NOA), Ondo State was invited to a public lecture tagged: Nigeria's New Tax Laws & Public Outcry, organized by Ekimogun Youths Connect (EYC).

Mr James Adekunle, who got retired a day after the lecture, did justice by simplifying the tax reforms.

Q. Many Nigerians have been in panic mode for some months now, with information flying on social media that personal bank accounts would be frozen unless owners provide their Tax Identification Number (TIN).
Do individuals need a TIN to keep or open a bank account?

A. NIN and BVN are enough to open and keep bank accounts so there is no cause for panic at all about tax reforms and bank accounts.

Q. Another information spreading on social media is that people should use the description/note column to state the reason they're sending money to avoid personal money or gift money being taxed.
I want to ask, will transfers and deposits into personal bank accounts be taxed, and how will the Tax authority differentiate the money sent for healthcare, education etc and sale transactions?

A. It is not the money in your bank account that is going to be taxed and not the daily transactions that will be taxed

Tax is going to be based on taxable income, that is, it is after you have removed all your inputs or expenditures. For those in business, you are going to remove your costs of running the business and what is left as income will be taxed.

Q. Will churches and mosques begin to pay tax now?

A. Students, pensioners are exempted and people earning less than 800 thousand naira. Churches, mosques and places of worship are exempted.

Q. If I took a loan from a lender, be as a bank, cooperative society or others, will I pay tax on the money?

A. On loan from cooperatives, banks and other lenders, your money will not be taxed, it is the company or business that lends you money that will be taxed on the income generated from the money they loan out.

Q. How will the tax authority know the money I earn from others?

A. It is important to keep records of our finances. If it is possible as a trader, you can have a book where you write your transactions: income and expenditure.

It is good to keep a good record of your transactions, the narration on the transaction is important.

For this new tax law, technology will be deployed. That is the reason the government is discouraging the spending of raw cash and putting a ceiling on the amount you can withdraw weekly.
So when a transaction is done electronically, it becomes easy to track and apply tax

Also, you should be able to differentiate between what is taxable and what is not. If money enters your account, it is not an earned income, maybe it's a loan or a gift, nobody will tax it.

Q. What if I get overtaxed, what can I do?

A. From now on, Nigerians will begin to enjoy tax refunds. If at the end of the tax period, it is discovered that you have been overtaxed, the excess will be refunded to you. Therefore, it is important to keep notes so you can compare if the tax man comes, and if there are excesses, they will be refunded.
The good news is that, there is what we call an arbitrator, who is to rectify issues between you and the tax man and their services are largely free. It is one of these things we call alternative dispute resolution intervention.

As I said, it is easy for anyone to calculate his or her own tax. What you should do is keep a record of all your income and expenditures. At the end of the year, you will be able to know the amount of income you get.

Q. What are the new progressive tax bands?

A. 800 thousand naira is the minimum threshold for personal income tax, after that, the 2.2 million threshold and it is going to be taxed at a 15% rate. The next threshold is 9 million, and the taxation rate is 18%. The next is 25 million and the taxation rate is 23%. The next is 50 million, and the taxation rate is 25%.

Q. How do I know my taxable income?

A. To calculate it is not difficult. To simplify it or make it easy to calculate your tax, I would ask that you go to fiscalreforms.ng, where the tax calculator is.

Q. Do individuals have to pay tax on remittances or family support money coming from abroad?

A. The people in the diaspora who send money for family support, to their parents and loved ones, nobody is going to tax that because they made the money abroad and it has already been taxed. Only the money you earned abroad while in Nigeria will be taxed.


Q. If I send 10 million naira to a person on a sick bed, how will the government know the recipient did not earn it but for healthcare support?

A. Add a narration to such a fund sent to help someone on a sick bed, nobody will tax that

Q. We have many Nigerians who are poor and can not keep financial records, don't you think this is a big issue?

A. The issue of illiteracy, as it stands, I know there are lots of illiterates around us, and the tax authority is also aware of this fact. The government knows that the majority of the petty traders may not be able to keep records, and not only that, how many of them will be able to earn 800 thousand naira annually after removing their deductible. So that is the reason we say this tax regime is advantageous to the low-income earners because the bulk of them are exempted.

But for people who are into big business and can make more than 100 million naira, such a person must be educated. Meanwhile, if you're in business and your annual income is less than 100 million annually, you are exempt from tax.

For someone who is able to earn more than 100 million, it's either that the person is literate or capable of employing someone literate to handle part of the business even if it's going to be for record keeping only.


Q. Is this tax thing a blessing or a curse to a common man?

A. It's a blessing because a common man is not likely to pay tax. They are the lower class who earn less than one million naira yearly.

For the middle class, if you remove all the deductibles at the end of the day, what your tax would be will be far less than what it used to be before.
I have calculated mine, and I compared it with what I used to pay before, and I see a clear difference there.

The present tax is structured in such a way that it is favourable to the low-income earners because it is progressive, that is, as the income increases, the rate of taxation also increases. Therefore, at the end of the day, it is the rich who will pay more tax than the poor, and the poor will pay far less.

It is a clear departure from the past. In the past, the taxation was regressive, that is, the poor people were taxed more, out of their meagre income because as your income increases, the rate of taxation decreases, so it is the rich people who enjoyed the old tax structure.

Therefore, the rate of taxation of the poor is lower. In fact, this tax regime is targeted at the rich, not the poor, and that is the reason a whole lot of the poor will not pay tax at all

Q. What has changed in the revenue-sharing formula between federal, state, and local governments?

A. The bulk of the tax is now going to the state and the local government, and that is the reason it will be so good for citizens to hold their state and the local government accountable.
Also, that is the reason it is allowed for the state to domesticate the new tax law in each state. The states are expected to come out with their own tax formats to be in line with those of the federal government.

Fortunately, a good number of the states have embraced it so it's time to demand transparency and accountability from your state and the local government.
There are a good number of local government areas that do not even have a website where they can put their financial records in the public glare, such local governments must be encouraged to open a website and ensure they put their financial records there so people can easily check and also know how they are spending the tax money.

Q. How will capital gains and investment income be taxed, especially when investors continue to reinvest their proceeds from sales without withdrawing them to their bank accounts?

A. No tax if the share sale is not more than 150 million naira, and the profit is not up to 10 million naira, how many Nigerians can make such heavy transactions, it's the rich, so the tax reforms are not something to be afraid of as a common man.

Q. Under these new tax reforms, digital assets like crypto, NFTs, and online income from influencers, remote workers are now taxable.
What are the mechanisms that have been put in place to accurately calculate and deduct these taxes?

A. The mechanisms put in play to calculate and deduct taxes are with the tax authority. You have a role to play, file your returns before the tax man comes to you.

For this new tax law, technology will be deployed. That is the reason the government is discouraging the spending of raw cash and putting a ceiling on the amount you can withdraw weekly.
So when a transaction is done electronically, it becomes easy to track and apply tax

Q. Does Income Tax go entirely to the state government where I live or my state of origin?

A. Tax is about where you stay, do business, and earn your income.

Q. If I have a company and a shop, do I still pay trader taxes + tax under the new law?
Similarly, most small business owners pay double taxes to their local government, union, etc. What is the stance of the New Tax Laws on this?

A. These tax reforms are structured to curb multiple taxation. We want to stop the situation whereby the federal government, the state government, and the local government will collect taxes on the same person, now everything is harmonised to one common taxation.

Q. What happens if eligible individuals or businesses fail to file or pay their taxes under the new system?

A. As individuals and business owners, it is expected of all of us to file our tax returns. It is better we do it, and not want the tax man to run after us. That is the reason we said we should keep records of our finances.

Tax offices are all around us at the local government level, state level and of course online so we can make use of all of these platforms to file our returns.

One thing that was common before now is that a lot of people were evading tax because taxation was done manually then, and the rich prefer to bribe their way rather than to pay their tax, so the government keeps losing money.
In this regime, everyone who is supposed to pay tax will be compelled to pay.

There will be very little or no room for tax default, and of course, the tax authority can take action, and some of those actions can mean a court.



Q. Will money transferred to bank accounts of organisations like cooperative societies, churches, and nonprofit organisations like Ekimogun Youths Connect be taxed?

A. Those running unions should keep records of their members, and such records should be made open to the union executives. It is now the executives who will act as arbitrators, they will go between the individuals and the tax office.

Q. The government has increased VAT again, isn't this too much of our money?

A. 7.5% VAT is not on the transaction but your charges for a service you use their service

Conclusion
This reform is in line with the economic emancipation of our country, and has been commended by world leaders. If not for some of these reforms President Tinubu has started, the dollar to naira rate and petroleum price wouldn't have come low.

Yes, the Police officer wouldn't use force on the woman, but getting laid down isn't respectful and intentional, it is silly - He should've guarded against that.

3 days to go for the Annual Public Lecture

4 days to go for the Annual Public Lecture

Why do protests keep rising? Why does frustration increase?

The simple truth is this: when youths are excluded from decision-making, the nation’s engine slows.

When the people with the highest energy, creativity, and ideas are locked out of policy-making, the future remains stuck.

Ekimogun Youths Connect (EYC) understands this, and that is why the movement is shifting from complaining to contributing, from protesting to participating.

If protest is not the long-term solution, then what is?

Protest has its place in society, but it cannot replace policy.

Protest only shakes the table, Policy, however, sets the table.

This is why EYC is calling Ondo youths to a turning point.

The greatest power a young generation can have is influence, not noise; representation, not violence; participation, not distance.

When youths understand how to engage the government, contribute to development plans, and take leadership roles, progress becomes permanent.

This is exactly the message behind the theme of the upcoming Youth Week public lecture: From Protest to Policy: Transforming Youth Energy into Nation Building.



Why should every Ondo youth attend this lecture?

If you are a youth in Ondo City or in the diaspora, the question you should ask yourself is this: How do I move from being a spectator to being a participant in shaping my city and my country?

This event will give you answers.
It will show you the mindset every youth needs in a growing but struggling nation.
It will show you how your voice can influence the government without confrontation.

It will teach you practical steps for entering spaces where decisions are made. And most importantly, it will connect you with other brilliant youths who share the same hunger for a better Ondo.



This event will be the beginning of a new identity for Ondo youths

It is a call to rise above frustration
A call to focus on solutions
A call to build, rather than burn
When hundreds of youths gather not for protest, but for a purpose, something powerful shifts in the heart of a community.

This way, the community becomes stronger, and the leaders take youth voices more seriously.

Policies begin to reflect real needs, and opportunities begin to open.
Let the world begin to see Ondo not as a city waiting for government rescue, but as a city led by intelligent, visionary, organised young people.


Where is the event taking place, and why must you be there?

The EYC Youth Week Public Lecture will take place on 19th December, 2025, at the Ondo West Local Government Secretariat, Fagun, Ondo.

Why must you be there physically?
Presence is power! When youths show up in numbers, it sends a message that cannot be ignored.

When you sit in a hall full of determined Ekimogun youths, you absorb the energy, the inspiration, and the conviction that you cannot get from staying at home.
This is not just an event; this is a movement. Your presence is a statement.

Your attendance is your signature on the future you want.
And if you're far away, make sure you join our Livestream on YouTube to participate in the event.

Conclusion
Let us unite ourselves under one purpose - Nation Building.
We want to shift the culture from anger to strategy, from reaction to leadership.
We want to raise young people who understand policy, governance, community development, and responsible influence.

When you attend this event, you are not just supporting a program, you are aligning with a new direction for our dear Ondo state, and Nigeria.

Try to clear your schedule, set a reminder on your mobile phone, inform your friends and followers, and share it across every platform where youths are members.

Make it a priority. Ask yourself: What am I doing for my city? How am I contributing to the future of Ondo state and Nigeria?

Then take the first step by showing up on December 19th, 10.00 am
We are not waiting for the future, we want to create it, and the only thing missing right now is your presence.

Ondo youths, this is your moment. Come out. Stand up. Be counted.

December 19th is not just a date; it is the beginning of the community we have been dreaming of.

See you there!

AI, the disruptor of Life

Give Credit to AI the next time.

AI sef dey give credit to publishers

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A very good one

EYC!