₦airaland Forum

I Just got a Text from etisalat

See pix below for proof

Mind you I ported from Mtn to etisalat and the story so far has been wonderful....

buygala:
Please Cheat on him....






God will understand


Because I sense you already want to or have already started cheating. ... You just want us to give you emotional support


CARRY ON.... WE ARE STRONGLY BEHIND YOU

Badt Guy

While family businesses have the unique characteristics of a family, they, like other companies are often in search of financing to propel their growth.

As a family grows and changes, the family business must also evolve to accommodate changing dynamics, experts note.

They add that the future of the family members, maintaining the independent nature of the family business and the preservation of family unity depend on the growth of the family business and its capacity to generate sufficient profit for all its members.

According to a report by KPMG, the number of people who live off family business revenue increases generation after generation. The future of the family and its unity are more likely to be key priorities of a family business in comparison to other companies, which brings additional pressure for growth that needs to be addressed.

The report titled, ‘Financing family business growth through individual investors’, states that a business requires strong financing to achieve quick growth.

It adds that access to capital after the 2008 financial crisis, is not always easy and finding funding sources can be very difficult for a business, especially a family business.

The view of family businesses that the stakeholders need to have total control over their company can make financing options more limited, it says.

It notes that the strong desire of family businesses to retain majority ownership creates the opportunity for high net worth individuals to play a role in bridging the funding gap via partnering.

Family enterprises retains majority ownership

The report says that more than three-quarters (76 per cent) of those surveyed say that family members retain a majority share of the business.

In addition, it adds that majority of family owners are unwilling to sell the business or relinquish control over it, therefore it should be managed with prolonged existence in mind.

It recognises independent board members

Around half of those surveyed say that more than 50 per cent of their governing board is composed of non-family members.

As might be expected, given the need for more professionalised systems and procedures in bigger and more complex companies, the larger family businesses are most likely to have a formal board of directors.

It says that only 13 per cent of smaller family ventures use family councils to reach strategic and operational decisions.

However, in larger companies, the board is also more likely to have a higher number of independent members, reflecting the need for more outside expertise and stronger corporate governance as companies mature.

High net worth individuals manage investments themselves

About 72 per cent take responsibility for half or more of their investments. In addition, 61 per cent say their investments are solely self-managed, or mostly self-managed, with experts consulted when needed, KPMG reveals.

Only 25 per cent manage their investments through a family office.

It adds that 60 per cent of high net worth individuals are looking for investments with reasonable risks and reasonable returns and are focused on long-term capital appreciation, which are common in family owned businesses.

Nearly half (44 per cent) of high net worth individuals have previously invested in a family business and the vast majority (95 per cent) say that it has been a positive experience in comparison to other investments.

To make informed decision before investing in family owned venture, the reports suggested the following:

Target family businesses in an area or sector you know well

KPMG says an understanding of the market in which the company operates will be highly attractive to family businesses, as they will appreciate the input and experience you can bring. It will also make your investment easier to monitor. Nevertheless, keep in mind any need for diversification in your portfolio.

Be flexible on equity

Many family businesses are open to the idea of offering equity, although they are less keen on the idea of relinquishing their position of control.

It advises, “Try and be creative in negotiations to find a solution that fits both sides.”

Highlight the value and experience you can bring

Most family businesses are looking for more than just financial backing, the survey notes.

According to the survey, if there are connections in particular areas, particular expertise or experience of working in similar environments, family businesses are likely to see these as helpful to their growth plans.

Emphasise your long-term perspective

The report adds that as family businesses are managed with the long-term objectives in mind, potential investors should be willing to lock up their investments for a significant period and make it clear that they would not be pushing for an early exit or panic if things go wrong.

Be sensitive about disclosure and reporting

A key draw for family businesses is that many high net worth individuals may have more flexible reporting requirements than banks or other institutional investors.

It says, “While tangible business factors, such as profitability and growth are highly important, be prepared to make allowances for the unique nature of the family business, where discretion and confidentiality are often highly valued.”

Get to know the family

KPMG notes that family members appear to be more open to the idea of offering equity and external expertise than non-family members working in family businesses.

It says, “The family should therefore be your first port of call and the focus of your relationship with the company. However, you will also need to allay the concerns of non-family members, who may feel threatened by an outsider with influence.”

Seek out younger family businesses

The survey suggests that the younger the business, the more likely it is to be open to offering equity.

According to the report, the first, second and third generation businesses are more likely to find the involvement of a high net worth individual attractive than, for example, a sixth generation company.

They went after his school certificate. The proof he provided was dismissed as a forgery. They went after his age and categorised him with dead leaders from his zone. He survived. They said he was ill and even named a disease for him. Yet, he is able to go about his campaign without any sign of illness. Some journalists even wondered about his wife’s whereabouts. When a dazzling, articulate, and well educated Aisha showed up, they said she must be a foreigner. She was smart to quickly issue a disclaimer. She is not struggling to be a political First Lady, she said, but a traditional one, whose duties are well cut out. Go, Aisha! the crowd of women nodded.

Despite the verbal and advertorial thuggery directed at the presidential candidate of the All Progressives Congress, Maj.Gen. Muhammadu Buhari (retd), it has been Sai Buhari! all over the place. His rising popularity is evident in the size of the crowd, compared to that of President Goodluck Jonathan of the Peoples Democratic Party, even in the same cities. That’s why it is generally believed that Buhari would win the presidential election, if it were held today.

The irony about Buhari’s rising popularity is in the Peoples Democratic Party’s contributions to it. The contributions derive from several related sources. The first is the perpetual factionalism within the PDP caused by the lack of internal democracy and the strangulation of the opportunities for members to realise their political ambition.

As a result, controversy and disaffection often attended the election or selection of party officials, while those who aspired to higher office were often criminalised, suspended, or pushed out of the party. These developments led to a major split within the party and were responsible for the ouster and replacement of the party’s chairman and national secretary. The split led to the formation of the New PDP, whose members eventually defected to the APC. Those defectors are now key players in the APC.

To complicate matters for the PDP, its policy of consensus candidacy during the primaries turned out for many party members to be nothing but candidate imposition, a shortcoming previously associated with the antecedents of the APC, particularly the Action Congress of Nigeria. Incidentally, this time round, the APC conducted primaries throughout the country and came off them with little or no rancour, while sharp disagreements rage on with the PDP primaries.

This continues to anger many PDP aspirants throughout the country, leading quite a number to sabotage the party’s efforts or to switch to the APC. It has been suggested by no less a person than a PDP state governor that the stoning of Jonathan’s convoy in his state was carried out by disaffected members of the party. The stoning of the President’s convoy has since taken place in at least three other states.

It is, of course, barbaric to haul stones and pure water sachets at the President’s convoy. It signals disrespect for the office of the President, not just for Jonathan, while also demonstrating the perpetrators’ backwardness. Nevertheless, the President and his handlers would be negligent to overlook the underlying message of such action.

A second major factor in Buhari’s favour is Jonathan’s failure to keep Boko Haram’s insurgents in check and reclaim the territory lost to them. Similarly he has failed to vigorously curb corruption or at least bring many highly publicised corruption cases to a close. The pardon he granted to a convicted money launderer and the glorification of persons facing charges by endorsing them for big political positions or directly appointing them to manage aspects of his campaign do not sit well with many people.

Ironically, Jonathan’s weaknesses in these areas are considered to be Buhari’s major strengths. Many voters believe that, as an Army general, Buhari is better placed than Jonathan to fight insurgency. At least he knows what the soldiers need and how to get them to work.

He might have angered some people with his highhandedness as a military Head of State and perceived discrimination against the South; but his administration was generally credited with high discipline and intolerance for laziness and tardiness in the civil service. Above all, he is viewed as incorruptible as evident in his austere mien and a testimonial by a former President, being courted by both presidential candidates.

A third factor in Buhari’s favour is the general feeling among the electorate of genuine tiredness with the PDP administration since 1999 as well as the pervasive negative perception of Jonathan and his administration. So much money has been stolen or lost since 1999, leading to perceptible decay in infrastructure, education, and healthcare. Like Chief Nanga, the corrupt politician in Achebe’s Things Fall Apart, PDP politicians have taken too much for the owner to see.

Finally, there are credibility issues as recently demonstrated in a campaign video, featuring President Olusegun Obasanjo indicating that Jonathan had sworn to be a “one-term” President, to which Jonathan assented. He even went further to say that whatever he could not achieve as President in four years, he could not in 100 years. His wife, Patience, was seen clapping in agreement.

True, as I indicated last week, Jonathan has done reasonably well in certain sectors, such as transport, especially railway, and agriculture; but his overall grade in handling the economy and the raging insurgency leaves much to be desired. So is his tardy approach to problem solving. As a professorial colleague put it recently, what are regarded as Jonathan’s achievements lie squarely within the normal run of governmental duties. In this thinking, there is nothing transformational about what he has done.

It must be admitted that the rival APC cannot be completely exonerated from corruption. As Professor Biodun Jeyifo pointed out in his Talakawa column last Sunday, the APC is populated by a large number of PDP politicians, who came with the same corruption mien, thus making all of them birds of the same feather (The Nation, Sunday, February 1, 2015).

The difference, however, is that visible signs of development abound in APC-controlled states. Prof. Ayo Olukotun cited the Oyo example in his column last Friday (The Punch, January 30, 2015), while I have repeatedly written on this column about innovative developmental strides in Osun. The case of Lagos State needs no elaboration.

If the above semiotic reading of Buhari’s rising popularity is not giving the leaders of the PDP some feat, then they are not reading the electoral signs well enough. Nor are they effectively decoding the signals from the international community. Worse still, it is either they have no intelligence reports at all about the nation’s electoral mood or they are discountenancing what they are told. However, if they have been reading these semiotic signs well, then it is high time they changed their campaign tactic, by focusing on substantive issues

“To be? Or not to be?” That is the all-time poser by Hamlet, protagonist of William Shakespeare’s eponymous play, “Hamlet.” Do you have doubts, like the National Security Adviser to the President, Col. Sambo Dasuki (retd.) , and think that the presidential election should be postponed because the Independent National Election Commission won’t be able to distribute Permanent Voter Cards to all registered voters before February 14, 2015? Reports say about 65million, of the 68.8million PVCs produced, have been released, though not all have been collected.

Some argue that this number is good enough; because not all registered voters vote, anyway. They add that only 200,000 voters, from a population of about four million citizens voted the current Ekiti State Governor Ayo Fayose to office; that less than 50 per cent of American voters participated in the election that brought President Barack Obama to the White House.

Others counter that if the more discerning voters hadn’t been frightened off the streets by security men wearing balaclava, the Ekiti election would have gone differently. Though students of theoretical statistics may say that those who voted were not a true representation of the Ekiti State voter population, the argument will be essentially in the realm of conjecture.

Like the All Progressives Congress, INEC and the ruling Peoples Democratic Party have rejected election postponement. President Goodluck Jonathan says the May 29, 2015 Handover Day is sacrosanct. While some extremists posit that a postponement can lead to a coup, others argue that if the candidate of those who didn’t get the PVCs loses, there may be a reprisal post-election violence that may also lead to a coup! Scary no-win situations – as a large segment of voters in Nigeria’s North-East will be disenfranchised by Boko Haram, anyway.

The Goodluck Lagos Grassroots Project, a likely affiliate of the PDP, suggests that “to avoid the unfortunate incident of April 9, 2011, when elections were cancelled midway due to (INEC Chairman) Prof. Attahiru Jega’s wrong assessment of INEC’s state of preparedness, (there should be) an urgent and realistic review of the level of preparedness.” Nigeria must be saved this imminent global embarrassment of a crisis-proof preparation, the GLGP counsels.

This plea is in sync with the accusation by the National Publicity Secretary of the APC, Lai Mohammed, that the PDP, like the Association for Better Nigeria that scuttled the June 12, 1993 presidential election, is using a proxy to ask a court to declare that Maj. Gen. Muhammadu Buhari (retd.) lacks requisite qualification to contest the presidential election. Section 131(d) of Nigeria’s 1999 Constitution says: “A person shall be qualified for election to the office of President if: He has been educated up to at least School Certificate level or its equivalent.” If the other Buhari–Salisu–who became Speaker of the House of Representatives with forged credentials, was shown the way out, this recent Buhari should also be sent off the field of play if found afoul of the rules.

Consider Section 132(3) of the constitution: “Where in an election to the office of President, one of the two or more candidates nominated for the election is the only candidate after the close of nomination, by reason of disqualification, withdrawal, incapacitation, disappearance or death of the other candidates, INEC shall extend the time of nomination.”

Sections 76, 116, 132, and 178, stipulate that “an election (to the National Assembly, State Assemblies, and for the President and Governors respectively) shall be held not earlier than 150 days, and not less than 30 days before the expiration of the term of office of the last holder of that office.” There are 75 days between February 14 presidential election and April 29, which is exactly 30 days before the May 29 Handover Day.

Section 135(3) of the constitution allows that: “If the Federation is at war, in which the territory of Nigeria is physically involved, and the President considers that it is not practicable to hold elections, the National Assembly may, by resolution, extend the (tenure of the President) from time to time; but no such extension shall exceed a period of six months at any one time.” The bleeding in the North-East Nigeria is enough reason to take this route.

And clearly, the body language of some operatives and allies of the government looks like an orchestration to avoid the elections. Ralph Waldo Emerson says, “What you do speaks so loudly that I cannot hear a word that you say.” Dasuki gives the impression that the government he serves can’t fulfil its responsibilities to the people-by choice.

Political philosopher, Jean-Jacques Rousseau, accepts that citizens will forfeit some rights to their governments, but insists that their personal freedom and liberty must be guaranteed. Section 14(2)(a-c) of the constitution agrees that sovereignty belongs to the people; declares that security and welfare of the people are the primary purpose of government; and insists that the people must participate in governance.

The best way for a people to participate in governance is by choosing their government, as democracy is government of the people, by the people and for the people. INEC has a great responsibility to ensure that qualified Nigerians register and vote.This election can make or break Nigeria. As President Obama would have said, this is a defining moment in the annals of Nigeria’s political history. There is no going back, the European Union observers are already on the ground, and so the show must go on.

German-born American philosopher, Hannah Arendt, demonstrates the thin line between totalitarianism and the rule of law: The former tells the people what to do, and the latter tells them what not to do. Dasuki’s counsel treads that thin line. He is telling the people what they should do (don’t vote on February 14) by telling them what not to do (don’t choose your President on February 14). Are you still there? As someone has famously said, “There is God o.”

With the theory that the Federal Government seeks to prevent elections from holding, Governor Babatunde Fashola has urged Lagosians to eschew violence. He alleges that recent transfer of senior police officers, to and fro the Lagos State Police Command, is a plan to undermine security in Lagos State. The former, who are familiar with the Lagos terrain, are being replaced by those known to confront some APC governors.

American Secretary of State, John Kerry, urges Nigeria to stick to the timetable, and appeals to the political class to respect the results. Kerry declares: “It is imperative that Nigeria holds its elections on time,” and avoids after-election violence. Aware that Nigeria is smarting from America’s rebuff of her request to buy its Cobra helicopters and other weapons (from third-party Israel) –claiming that Nigeria can’t maintain them, or may use them against non-combating civilians targets –he offers the carrot of the US commitment to helping Nigeria end Boko Haram insurgency.

In an epiphany of lumen natural, that’s just a big word for commonsense, a co-host of an all-female weekday morning TV chat-room, suggests that INEC should hire temps, and send bulk SMS alerts to voters whose PVCs are ready. It is commendable that INEC has extended the PVC collection beyond January 31. In addition to the novel idea of door-to-door distribution of the cards, some suggest a public holiday. Pull has really come to shove.[/b][b]

All Progressives Congress, APC presidential candidate, Gen. Muhammadu Buhari (ret), yesterday, unfolded his plans on how to revive the Nigerian economy before the Organised Private Sector, OPS, in Lagos, asserting that tackling corruption and insecurity were key elements to the plan.
buhari
At the meeting, entitled, ‘GMB Means Business,” Buhari put privatisation of the transmission companies, construction of inter-state roads, revival of local refinery production, among other schemes, to boost job growth in the economy.
Buhari, nevertheless asserted that whatever plans aimed at reviving the economy could only yield fruit if corruption and the spate of insecurity in the country are frontally tackled. He said that an opinion poll conducted prior to the production of the manifesto of the APC showed that majority of Nigerians put insecurity, corruption and the economy as their major priorities.
Giving his plans on how roads reconstruction could revive jobs, he said: “We will concentrate on the roads and highways that link up Nigerian states, while state governments will be expected to connect their states to these highways by building the last mile connections.
“Road construction alone will unlock a value chain of opportunities in the building industry for construction companies, builders, engineers, architects, quarry operators, cement and iron rod production and supply.
“The successful opening up of Nigeria by the construction of new roads and highways will revive road transportation, truck manufacture, tyre manufacture, engine oil, brake pad productions on one hand.
“It will also create a demand for jobs for mechanics, drivers and those engaged in transport support business. We expect a revival of all the inter-state economies that used to thrive across Nigeria, providing support to travellers by way of canteens, restaurants, farm produce, etc.”
Noting the cost of corruption to the economy, the presidential candidate cited issues with the unresolved $20 billion allegedly missing funds from crude receipts.
He said: “Corruption affects our ability to secure ourselves, and it also undermines the performance of the economy.
“This current government is being challenged to account for an estimated $20 billion and the whole country is awaiting a report of a forensic audit. $20 Billion at N210 to $1.00 is equal to N4.2 trillion – nearly a year’s federal budget.
“If it is true that this sum cannot be accounted for, this is grossest form of corruption. Just think at N5 million per vehicle, this money would have bought 840,000 patrol vehicles; (this would have improved security in every town and village in the country)
“At N13.5 million for a high capacity bus this money would have bought 311,000 buses; (this would have revolutionised the transport and production side of the economy)
“From information at my disposal, Lekki Bridge in Lagos cost N29 billion to construct. N4.2 trillion would have built 145 Lekki bridges; (this would have revolutionised transport, infrastructure, construction, employment in the economy)
“If the average cost of generating one mega watt of power is about US $1.5 million (excluding gas and distribution costs), $20 billion would have bought over 13,333 mega watts of power. What a difference that would make up and down the country!
“If you also factor the N2.2 trillion spent on subsidising fuel import which became a huge scandal, you may then understand why our manifesto focuses on the issues of security, corruption and the economy.
“We are too vulnerable as a nation at this moment if we have to import fuel to move our planes, our tanks and our men. We are too vulnerable as you can see that we also have to import arms. We are vulnerable because our troops also depend on imported food.”
Buhari was escorted to the meeting by Governor Babatunde Fashola, Chief John Odigie-Oyegun, national chairman of the APC; Governor Rotimi Amaechi, director general of the APC Presidential Campaign Organisation; Mallam Nasir el-Rufai, APC governorship candidate in Kaduna State, among others.

menxer:
that's hard labour

How then can we as a country move forward

jjman2322:
Religion is bringing Nigeria down. We have more churches per square mile than 99% of other countries, yet our country is a crap hole.. Massive corruption, poverty, suffering, etc.

Does it mean God does not like us?? Meanwhile countries that arent as religious as us are doing much better..

Anyway, I dont want to get into that issue... For all you tithe payers, have you ever wondered why the pastor only chooses the verses and books that suit him when it comes to getting money..

The pastor should also be preaching stuff like "Wearing clothing woven of more than one kind of cloth" is not allowed (Please check your tags ASAP),

Even the bible itself is confused.. Go ahead and check http://infidels.org/library/modern/jim_meritt/bible-contradictions.html and you will see tons of inconsistencies.

Never have I seen a book with advocates killing your own child if he disobeys (Deuteronomy 21:18-21), yet at the same time preaches forgiveness and mercy.

I'm sure your pastors won't tell you to go home and kill your children, after all its in the old testament,(but magically they will collect your money using old testament books and quotes..)

Goodluck to all, to each his own.

Finally i'd love to say majority of Nigerians are sheep.. I finally gave up on Nigerians about 2yrs ago when i was in the village in Anambra state, and we went to a local church... Guess what? The pastor was announcing this:

"The family of MR so and so has given N200. They have tried.."
"The family of MR a and b has given N50. They need to do better next time "
"The family of Mr b and c has given N1,000. God will bless them the most and continue to keep them"
"The family of Mr d and e has yet to give anything. They don't want God to bless them. Thats their business"


I concluded there and there that majority of Nigerians are idiots..

Cheers

Nigerians simply don't "Think"

lastmessenger:
I am not attacking the church of Christ. I am showing you your foolishness. There is no scripture that says your January salary is your first fruit. Is that hard for you to understand? For Gods sake take up your bible and study for yourself.

Pls oooOooo which month salary can we refer to as first fruit

motherlode:
ayam a proud African, ayam not ashame!

When A Yam become an African Man?

It was the perfect
motivation. Atletico, still
scarred by leaving
Monday's Ballon d'Or ceremony in Zurich with
zero reward for their astonishing achievements
in 2014, watched on as Cristiano Ronaldo
presented his Golden Ball to the Santiago
Bernabeu crowd.
Madrid were in celebratory mood; Atleti were
out to prove a point. Ronaldo was all smiles
alongside Puskas prize winner James Rodriguez,
Sergio Ramos and Toni Kroos (both included in
the FIFPro XI on Monday as Diego Costa and
Diego Godin inexplicably missed out). And less
than a minute into the game, with fans only just
back in their seats after raising a huge gold
mosaic in Cristiano's honour, Diego Simeone's
side took the lead through Fernando Torres.
"It was hard [on them]," Simeone said
afterwards. "There was a big crowd and the
choreography was very pretty, but such an early
goal marked the rhythm of the match. It wasn't
part of the [Madrid] plan."
When Torres left Atletico, he was too good for
his boyhood club. And when Torres came back,
they were supposedly too good for him. But much
like the rest of his team-mates and his coach, he
was out to prove a point in this match - and he
did so emphatically.
Visit:[url]m.goal.com/x/en-gb/news/8001512[/url] for more jist

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