₦airaland Forum

[img]http:///wp-content/uploads/2015/10/12065864_10206412478262226_7878186384181456379_n.jpg[/img]
Vice-President Yemi Osinbajo says that the government is working to reduce the price of petroleum products by encouraging and working with private refineries and reducing importation. Osinbajo, who is in the UK to sign the Nigeria-UK solar energy agreement, told Bloomberg in an interview... "We are going to be unbundling the NNPC so that its various components are effective core centres and are able to do their business well. We are going to have private refineries at the site of the old refineries, so they can benefit from the available infrastructure. So, we think that in the medium term, we would be able to get cheaper pump price, pump price of oil would be cheaper because we would be importing far less refined petroleum. A lot of that will be produced locally. “Now, we have well over 30 modular refineries licences, so we think a lot of modular refineries would come. Many of them, their major concern is feed stock, are we going to be guaranteed feed stock? We are working on that. Once we are able to deal with that, we feel we would substantially be able to reduce pump price and get the whole business of importation of refined petroleum and the NNPC just getting directly involved in business; we are going to reduce that. The objective is to make the NNPC play more regulatory function. “They are options that are always there. But we think that there are ways we can raise our own potion of contribution to the Joint Ventures. It will only be a last resort and we have not come anywhere near that.” Osinbajo said

1. Intro Ft. Olamide Baddo X Pheelz (Mr. Producer)

2. Olamide - Matters Arising
3. Lil Kesh Ft. Patoranking - Is It Because I Love You?

4. Davido - The Sound

5. Kcee Ft Uhuru X Dj Buckz - Talk And Do
6. Timaya - Some More
7. Dj Xclusive Ft. Davido - Wole

8. Famous - Wire
9. Phyno - Nnunu
10. Dj Jimmy Jatt Ft. WizKid - Feeling The Beat
11. Sharker EL - Chala Chala
12. Orezi Ft. Wizkid X Timaya - Ogede
13. Patoranking Ft. Wande Coal - My Woman, My Everything (MWME)
14. HumbleSmith Ft. Phyno - Osinachi

15. Kiss Daniel - Laye
16. Runtown Ft. Wizkid - Bend Down, Pause
17. Olamide - Bobo
18. Skibii - Sampu

19. Yemi Alade Ft. R2bees - Pose
20. Oskido Ft. DJ Maphorisa & Bhizer - RockFella
21. Dama Do Blings Ft. Vitoria Kimani - Taking Over
22. MasterKraft Ft. Wizkid - Sound It (Native Remix)

23. Dj Spinall Ft. Yemi Alade - Pepper Dem

24. CDQ - Salaro
25. Lizzy Anjorin Ft. Pasuma X Qdot - Owo (Money)
26. Yemi Alade - Toss It, Crumble

27. Shey Man - Overload

28. BurnaBoy - Follow Me

29. Orezi Ft. MI X Flavour - Big Something

30. Phyno - Connect
31. R2bees Ft. Davido - Gboza

32. Tiwa Savage X Rihanna X Reakado Banks - Bitch Better Have My Money (BBHMM)
33. Dj Xclusive -Ft. Lil Kesh X CDQ - Dami Si
34. Wizkid - Expensive Shit
35. Skales - Lo Le
36. Outro Ft. Francis Odega X Honorable Patrick

1. Intro Ft. Olamide Baddo X Pheelz (Mr. Producer)


2. Olamide - Matters Arising


3. Lil Kesh Ft. Patoranking - Is It Because I Love You?


4. Davido - The Sound


5. Kcee Ft Uhuru X Dj Buckz - Talk And Do


6. Timaya - Some More


7. Dj Xclusive Ft. Davido - Wole


8. Famous - Wire


9. Phyno - Nnunu


10. Dj Jimmy Jatt Ft. WizKid - Feeling The Beat


11. Sharker EL - Chala Chala


12. Orezi Ft. Wizkid X Timaya - Ogede


13. Patoranking Ft. Wande Coal - My Woman, My Everything (MWME)


14. HumbleSmith Ft. Phyno - Osinachi


15. Kiss Daniel - Laye


16. Runtown Ft. Wizkid - Bend Down, Pause


17. Olamide - Bobo


18. Skibii - Sampu


19. Yemi Alade Ft. R2bees - Pose


20. Oskido Ft. DJ Maphorisa & Bhizer - RockFella


21. Dama Do Blings Ft. Vitoria Kimani - Taking Over


22. MasterKraft Ft. Wizkid - Sound It (Native Remix)


23. Dj Spinall Ft. Yemi Alade - Pepper Dem



24. CDQ - Salaro


25. Lizzy Anjorin Ft. Pasuma X Qdot - Owo (Money)


26. Yemi Alade - Toss It, Crumble


27. Shey Man - Overload


28. BurnaBoy - Follow Me


29. Orezi Ft. MI X Flavour - Big Something


30. Phyno - Connect


31. R2bees Ft. Davido - Gboza


32. Tiwa Savage X Rihanna X Reakado Banks - Bitch Better Have My Money (BBHMM)


33. Dj Xclusive -Ft. Lil Kesh X CDQ - Dami Si


34. Wizkid - Expensive Shit


35. Skales - Lo Le


36. Outro Ft. Francis Odega X Honorable Patrick

In order to manage your household finances and
your budget properly, you must make sure that
the most important things in your life—your
needs—are taken care of before you begin to
start to think about taking care of your wants.
Sometimes, it is hard to tell the difference
between needs and wants because certain things
which were, at one time considered luxuries,
are now today seen as needs.
Let’s define these words:
What are needs? Needs are things that you must
have in order to survive. Your basic needs are
food, clothing, and shelter, but can also include
items which you must have to be able to make a
living, such as reliable transportation to and
from work, personal care expenses and
electricity.
To find out if an item is a need or a want, stop
and think about where that item stands in your
life. If that item were taken away, would you be
able to survive? Would you be able to provide
for yourself or for your family?
Wants; on the other hand, are things that make
life enjoyable but are not necessary for survival.
Sometimes, it is easy to confuse wants with
needs.
For example, you can tell yourself that it is okay
to buy a bigger house than you can comfortably
afford because shelter is a need. However, when
you think about, you will probably see that a
smaller house will fulfill your need for shelter
—and also help you stay out of unnecessary
debt!
The same is true for other items. Will a cheaper
mobile phone allow you to make all the calls
that you need to make? These are questions that
you need to ask yourself and answer honestly
before you spend money on things that you think
are needs but are really just wants.
Now, this does not mean that it is wrong to
spend money on wants?
No, it is not necessarily wrong to spend money
on the things you want but may not need. In fact,
the comfort and convenience of wants can add
to your quality of life. But the reality is that not
everybody’s income can cover all their wants, so
choices have to be made – but those choices
should be made only after all needs have been
taken care of.
Knowing this important difference between
needs and wants helps you to make the right
decisions when a financial emergency arises. It
will help you manage the cash that you and your
family have available at any given time and give
you true financial freedom.
This has been courtesy JAIZ Bank as part of The
Bankers Committee Financial Literacy Public
Enlightenment Programme brought to you by
The Bankers Committee, comprising all the
commercial Banks in Nigeria and the Central
Bank of Nigeria, CBN.

6993 Allsvenskan
Hacken - Sundsvall 1
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3288 Allsvenskan
Elfsborg - Norrkoping 1X
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1689 Football National League
FC Kamaz Naberezhnye Chelny - Arsenal Tula 2
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1694 Football National League
FC Sokol Saratov - FC Shinnik Yaroslavl

Young woman covering mouth
with hand, close-up
There is a trend I have noticed among people
who seek help in marriage and couples’
counseling. Both partners usually have the best
of intentions. Both usually want to save the
relationship and make it better. But often people
end up in marriage counseling because they are
engaging in five selfish behaviors which prevent
good communication and understanding for each
other to take place.

1. During a discussion or argument, thinking
more about your reb*ttal and less about what
your partner has to say.
This is the number one issue I see among
couples seeking counseling. Partners will do a
fine job of expressing their frustrations, but
then become defensive when the other partner
begins to talk. They begin forming their defense
while the other person is talking thus missing
important information their partner is trying to
convey. This usually goes back and forth, and I
often see that both partners contribute to this
barrier to communication by also personalizing
(more on this later) and becoming more
defensive as emotions escalate. I suggest to my
clients to practice listening by paying careful
attention to the message their partner is trying
to send and repeating back what they are
hearing, without any sarcasm or rudeness. It is
also sometimes helpful to write down what you
hear your partner saying to keep your attention
more on his message.

2. Not telling your partner about issues, both
individual and in the relationship.
I have yet to meet a human being who can read
another’s mind, and your partner is not an
exception to this rule. It is selfish to assume that
she should know exactly what is wrong and how
you want her to help. It may be stress at work,
worries about finances or behaviors your
partner is engaging in that bother you. The list
can be long, and not talking about it will breed
resentment and irritation with each other. Often
I see couples taking out stresses and irritations
on each other. Talking and listening to each
other can remedy a lot of what is bothering you.

3. Making assumptions: It’s not always about
you!
The flipside to the previous selfish behavior is
making assumptions about your partner’s
behavior and taking it personally. When human
beings experience stress, we tend to react in
ways that are not always helpful or nurturing to
a relationship. I often see that a partner will be
short tempered with her beloved. The beloved
then takes these actions personally and becomes
irritated or angry. Ideally, the partner
experiencing the stress would communicate to
his partner (as was outlined in the number 2
behavior). But since none of us is perfect, it may
be up to the offended party to bring this
behavior to her partner in a way that is gentle
and kind, while communicating how this
behavior made him or her feel. When doing
this, be careful to put assumptions aside. In
other words, don’t assume that your partner
intended to attack you and had malicious
intentions. Instead, remind yourself that he is
still the person you chose and the person you
love.

4. Worrying about your s*xual needs and
ignoring the s*xual needs of your partner.
s*x is an important part of marriage and an
issue that almost always comes up in couples’
counseling. Usually the issues with s*x come
down to partners having different s*x drives,
desires and expectations of what is normal and
healthy in a marriage. It is important for each
partner to talk about these issues. It’s OK to state
what you would like to see as far as s*x goes in
the marriage. Once those things are said, try to
then consider what your partner has said and
consider his needs and how you can
accommodate and respect them. Communication
is extremely important in this area, and it will
need to be an ongoing discussion.

5. Only considering the quirks and mannerisms
about your partner that bother you, and not the
things you are doing that may be bothering your
partner.
I cannot tell you how many couples’ sessions
start with “He does this” or “She does that.”
These statements usually go on to describe some
behavior or personality trait that drives the
other person crazy. Instead of focusing on what
the other person is doing, I encourage both
partners to focus more on their own behaviors,
particularly those that irk the other person. I
don’t ask people to change who they are, but I
do ask that they become more self-aware and
willing to make adjustments to make the
relationship better.
Keep in mind that no relationship is perfect. If
you notice yourself engaging in any of the above
behaviors, you have already done a lot of the
work to correct the behavior, as awareness is
often the most difficult step to making a change.
The key to addressing these behaviors is
continued awareness.

lalasticlala

examhall:
@360jamng
One man, cars and houses burnt after a tanker filled with petrol exploded at Owode-Ijako area this morning. Fire
service men as well as the police are on ground to contain the situation. Graphic photos after the cut..





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an image of an object, person, scene, etc, in the form of a print or slide recorded by a camera on photosensitive material

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