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@OP,

I AM DEEPLY CONCERNED ABOUT POINT 14. IF SHE HAS STRONG MORALS, NO PROBLEMS, ON THE CONTRARY, IF SHE HAS LOW MORALS AND YOU IGNORE AND CONDONE THEM, SUCH WILL DEFINITELY PULL DOWN YOUR HOME SOMEDAY.

REMEMBER BOTH OF YOU HAVE THE DUTY OF BRINGING OUT THE BEST IN EACH OTHER.

MY THOUGHT THOUGH!

Dragonking: 11. Football/ soccer:

“Six days shall work be done: but the seventh day is the sabbath of rest, an holy convocation; ye shall do no work therein: it is the sabbath of the Lord in all your dwellings.” - Leviticus 23:3

God must love football, because most Premier league games and NFL games are played on Saturday and Sunday and he hasn't smote any players yet. According to the Bible, the Sabbath is supposed to be a day of rest and prayer, but most people know it as game day. In addition, american footballs were originally made out of pigskin, which is also banned.

**Hmm, that means the final World cup match between Germany and Argentina last Sunday shouldnt have held according to the bible**

Who told you Sunday is the Seventh day of the week. I guess you are a learner.......Recite Days of the week in its order.....

.......If you believe this story, then you will believe anything



E
N
D


T

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M

E



F
I
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Z.

.......If you believe this story, then you will believe anything



E
N
D


T

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M

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F
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,

.

Jarus:
If the pay package is not broken into its various elements - at least basic, housing and transport - it becomes quite difficult to compute the pension and taxes. The mgt or your HR would do better breaking down the staff package package in this for proper tax accounting. However, if they are not broken down, applying 7.5% on total income as Pension is not out of place,but you would have overstated the Pension, which is better than understating.

Also, for Tax, the new amended PITA makes it easy. CRA applies to the Gross Income. So you won't have problem computing the CRA, but the tax man, in time of audit, may not accept taking as relief Pension based on 7.5% of total income and not BHT only, but if you show evidence of pension remittance and all that, they can accept it.

For an annual income of 300k and below, clearly 7% is the applicable rate. It is when it crosses 300k that the excess will be subject to 11%. But I hope the 300k you're talking about is not monthly because we are talking about annual figures here. 300k per month comes to 3.6m per annum.

Thanks Jarus.
Kindly attend to this. I want to know the tax liability implication of those earning below N300k p.a. How would they benefit from CRA ? For instance, an employee who earns 15k per month as total emolument (basic- 7.5k, housg - 3k, tranport -2k, others 2.5k), annual= 180k. How do u arrive at his payable tax ? Mindful of the fact that his total annual pay is below 200k!

Urgent attention would be appreciated.

I have dumped glo since God knows when. Exploiters!

Nairalanders, I need your sincere opinion on this matter. If truly time heals every thing, why is this tribal mark not healed?

....a life well spent. Goodbye great son of Africa. I hope our leaders are learning.

Debate being rounded off. Obiano campaigning for tested hands, Uba promising not to disappoint Anambra people, Ngige promisd to put his life on d edge for Anambra people, PPA promisd not to steal govt money. At the end all paticipants exchanged a very warm, brotherly n friendly hug n handshake.


I must conclude that this is the most mature political debate iv ever watched in ds country. Kudos to Imoni Anarere of AIT for a display of raw professionalism as the lead anchor.

Ngige promises to complete a good stadium and a Football team of National repute if Anambrarians ask him to lead.

Uba and PPA candidate is preaching the striking out of immunity clause for Governors bt Ngige is supporting immunity clause. Obiano on his part preaches the sellection of tested and non kerosine sharing candidates but declined to comment on immunity clause.

Ngige states that he had a 3 yr rolling plan in his first tenure. He implimented 100% of his budgets and inspected his projects personally. those were on record for reference.

Uba is preaching a single tenor of 4 years for all developmental planning. Governors shd start n finish their plans. No continuity.

APGA Candidate is preaching continuity of Obi's Administration for the purpose of development of the state via long term plan implimentation.

Ifeanyi Uba stoped by.the moderator for a directional and attacking statement.

Ngige claims he is the best candidate. Cos all the candidates except himself will do a 4 year apprenticeship. But he Ngige is experienced and have better administrative prowess.

Ifeanyi Uba is infuriated that Willy Obiano campaigned with the name of his brother Dim Emeka Ojukwu. He claims Ojukwu is his brother and closest to him than any candidate.

The audience are booing Willy Obiano for Ethnic and Igbotic campaigning. He tribalised his address.

Ngige looks most confident and articulate.

AIT is airing the final session of this cruicial debate now. Tune in and comment here.

Davo93: I felt so since they have showed sincere effort towards resolving the issue...thanks all the way man.

Nairaland is the voice of every VOICELESS
Nigerian.

My opinion!

okpara ugo:

As for superiority, cars are superior to others ... A volkswagen is better than a toyota, while a toyota is better than a honda. Quote ...

Pls share your source/link for this comparison!

Hello guys,i never wanted to talk about
this.However i decided to because i realize
that some of you may find it very useful when
it comes to managing your finances.
Ordinarily,savings is taken as income minus
expense.What it means is that after you must
have spent all you need to spend from your
earnings as a business person or a salaried
individual,what you have left is regarded as
savings.Maybe wondering why,it is simple;it
is what you have not yet spent.Before i go
into details,i would like to look into the
correlation among income,savings,expenses
and investment.
Income : It talks about what an individual
gets into his hand or has in his hands
monetarily,it could be salary from doing a
nine hours job,earning from doing a business
or earning received from a form of work/
business of a type,it is definitely what an
individual relies on monetarily for his daily
bread,to keep body/soul together,to create
class for himself etc.The level of an
individual's income, goes a long way to
determine his standard of living.An individual
who earns five million naira annually,may
chose to live in an highbrow area like
Lekki,Ikoyi,Victoria Island all in Lagos,while
the one who earns two hundred and forty
thousand naira annually may live in a lesser
area.The difference between the both of them
is the power of "income".
Savings:It is regarded as whatever is left with
the individual,salary earner,business person
after expense.It is that part of income usually
kept aside for the"rainy day".It is always
useful for unforeseen
circumstances,investments, and in-built
personal financial confidence.
Expense:It is always regarded as the money
used in settling purchases/other issues.Simply
put,expense is the money you have allowed
out of your hand which by now is no longer
yours but someone else's.This could have
gone into bills,furniture,rent or something
else,the cash itself is no longer yours as it
has actually gone into exchange.
Investment:This is regarded as any venture
that is expected to bring back returns.This
return may take one year or more but the
sole essence of this is returns in one way or
the other.
Haven defined terms,i shall quickly take a
look at their detailed relationship in real life
situation.Let us consider a scenario of three
workers on same annual salary.
Sceario
Assume net salary of N3,000,000 per
annum
Assume 2kids
Assume 1 wife in all scenario
Mr A
Salary(net) N 3,000,000
Residence Duplex
Area Ikoyi
Cost N1000,000 yrly
School fees(2 kids) N500,000
No.of cars/maintenance 3/300,000
Miscellaneous N 700,000
Total Expense N 2,500,00
Total Saving N 500,000
Mr B
Salary(net) N 3,000,000
Residence 3 bedroom
Area Ikeja
Cost N700,000 yrly
School Fees(2 kids) N 450,000
No. of cars/maintenance 2/200,000
Miscellaneous N 650,000
Total Expense N 2,000,000
Total Saving N 1,000,000
Mr C
Salary(net) N3,000,000
Residence 3 bedroom flat
Area Mushin
Cost 250,000 yrly
School Fees(2 Kids) N100,000
No. of cars/maintenance 1/50,000
Miscellaneous N 300,000
Total Expense N 750,000
Total Saving N 2,300,000
Analysis
From the scenario,it is obvious that Mr C,
has more money kept aside after all
expense.But why is this so?It is clear from
the illustration,that all three men earn same
salary.Mr C's more savings is due to a
reduction in expense.He decided to send his
kids to equally standard schools but with
lower fees,rather than own two/three cars,he
held on to one that is equally easier to
maintain than that of his colleagues,he also
decided to live in an area that is not regarded
as an highbrow area,likewise,he cut down on
other things like feeding,calls,clothing etc.
Implication
Mr.C is more financially confident and has
more money to take to the next level
(investment) than his colleagues.A sudden
resignation,retirement or termination of
appointment is not likely to frustrate him as
would his colleagues.
Speaking Generally
I once told a friend that you maximize to
minimize and minimize to maximize, when
talking about the saving culture.I was simply
saying,if you increase your expense,you will
reduce your savings,if you reduce your
expense,you will increase your savings.I
believe the above scenario,applies anywhere
in the world,all you need do to increase your
savings and convert it into investment is to
reduce your expense, be you a salary earner
or a business person.
I do hope you have learnt something
today,please share with your friends.

Politics of acrimony all the way!

androidFather:

airtel too slow abeg
airtel can't open yahoo

My internet experience wt Airtel is better immagined than experienced! Snail speed. Oº°˚˚°ºMshwweww!

9ija for life is as fast as zaaaaaaaap

Rossikk:

Ghana has power cuts.

http://www.theafricareport.com/West-Africa/ghana-erratic-power-supply-haunts-government.html

Pls update yourself beacause I know Ghana generates more than its electricity requirement as at today. Ghana just signed a new contract with neighbouring countries for export of electricty.

http://www.bdlive.co.za/africa/africanbusiness/2013/09/12/ghana-plans-oceanic-gas-terminal-to-drive-electricity-production

Rossikk:

They had a CENTURY's headstart on Nigeria and every other black African nation in terms of development, and we are playing catch-up. Thanks.

Thanks for reminding me that Nigeria will continue to play a catch up role on every other African contry on electricity generation even Ghana.

We will keep getting what we have been getting even with our 1000% LITERACY.

U90 IN DIVERSIT:


I don't think you have left the shores of that our country called Nigeria. If you have, i believe you wouldn't be saying all these concerning one of the top oil producing nations in the world...... I felt terribly bad the moment i stepped out of my country, naija. Whereas, poor countries without the gift of oil do have uninterrupted power supply. During my (1 yr training) stay in Cairo, i once spoke to some Egyptian as to why they derive joy in protesting. They responded ( to my shock) by telling me that the crop of leaders they have now are not delivering on their promises. I told them to visit my country, Nigeria, then, they will know that they are in heaven. This is an African country ( like Nigeria) where constant power supply is a way of life. Here, you hardly see downstairs ( virtually all the buildings i went to had elevator ( because there's electricity). If one visits Cairo today and decides to rent an apartment the same day, it's as easy as ABC, courtesy of the gov't's housing policy. With 1 Egyptian pound (equivalent to less than 25 naira) one can board a train from, say, Lagos to Benin. I was so shock seeing all these things there. I don't know whether Egypt has oil, but i also discovered that fuel price is less than our 40 naria for privately owned cars, while cars for public transport buy at less than our 30 naira. And someone is telling me that we should celebrate 2 weeks of epileptic power supply. What a shame! SMH!!!

Peeps, for time sake, i will pause here.

It pains me whenever I remember that all what we do in Nigeria is politics of acrimony rather than that of ideology. Can somebody remind me population and economic endowment of South Africa vs their electricity generation capacity.


It is worrisome we will keep getting what we have been getting cause we keep doing what we have been doing.

Let us stop this campaingn of seeing political opposition rather than seeing critical national calamity. We are far from development if we keep celebrating 3400mw of electricity irrespective of whose light is costant on paper!

Nigerians it is high time we woke up from political manipulation. Campaigning with electricity after 50 years of independence is not a cheering news.


My opinion!

sage_: I don't get less than 16 hours of electricity daily on the Average and this has been going on for the past 1 year. This privatization must be completed.

Where is your area? I guess you are in Aso rock!