₦airaland Forum

Definition of a Bandit: A bandit is primarily defined as a robber, outlaw, or thief, typically one who is a member of a gang and attacks travelers or resides in remote, lawless areas. They often engage in organized criminal activities, including armed robbery, extortion, and banditry.

Definition of a Terrorist: A terrorist is an individual who engages in, advocates for, or plots violent, criminal acts intended to cause death or serious bodily injury to civilians or non-combatants. The primary purpose of these acts is to intimidate a population, government, or international organization in order to advance a political, religious, racial, or ideological cause.

I honestly don't think these guys should have been labelled as "Bandits". This is a misrepresentation of who they really are.

Greedy Millers – serves them right. Just because rice imports were banned, your so called rice became super costly

Senile sycophant!

killsmith:
There are rumours a loss tonight would cost slot his job.
Oluwa run am for us. 🤲🙏

This could be true, as I see him playing Robertson rather than Kerkez. Kerkez has always been a minus 1

youngberry001:
E no go better for slot ah swear


Nonsense coach I ever seen in my life!!

He's so predictable to lose. Always waists his time playing wrong people like Kerkez and when it's not looking good, he will start making changes here n there under pressure

Rubyjade:
Here’s how you can access your pension with Access ARM Pensions Limited (the company formed after the merger of ARM Pension and Access Pensions) — commonly referred to as ARMAccess — and use your Retirement Savings Account (RSA) benefits:


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📌 1. Know When You Can Access Your Pension

Under Nigeria’s pension rules (administered by the National Pension Commission - PenCom):

You can typically access your pension only when you retire — either when you reach the retirement age or upon cessation of service in line with your employment terms.

If you retire before age 50 and are unable to secure new employment after 4 months, you may be eligible to access 25 % of your RSA balance to help start a business or sustain yourself.



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📌 2. Check Your RSA Balance & Contributions Online

Access ARM Pensions offers digital self-service tools so you can see your account details anytime:

Mobile App – Download their app (often called Access Buddy or similar) from the Google Play Store or Apple App Store to check your RSA balance, contribution history, and other details.

Client Portal – Log in on the pension portal using your RSA PIN (the unique number issued when you opened your pension account) to view your account.

e-Statements – You can sign up to receive quarterly statements by email, which show your contributions and returns.


Tip: Have your RSA PIN handy — this is essential for logging in or signing up for statements. If you don’t know your RSA PIN, contact Access ARM’s support.


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📌 3. Apply for Pension Benefits

Once eligible, there are different ways you can apply for payment from your RSA:

✅ 25% Withdrawal (Before Full Retirement)

If you’re compulsorily retired before age 50 and can’t find new employment after 4 months, you may be able to withdraw up to 25 % of your RSA balance.

Documents usually required include:

Hand-written application

Birth certificate or age declaration

Termination/redundancy letter (at least 4 months old)

Bank account details

Passport photo



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✅ Full Benefit at Retirement

When you retire (normally at age 50 or later):

You can choose how you want your pension payment:

Programmed withdrawal — periodic payments over time

Lump sum — a one-off payout of part of your RSA balance


You will need:

Retirement letter or proof of cessation of service

Letter of accrued benefits from your employer

Bank details

Valid ID documents



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📌 4. How to Submit Your Request

🏢 In-Person
Visit any Access ARM Pensions office with your documents so they can help you complete the benefit application forms.

📨 Online / Email
Some forms and requests can be started online or by emailing client care (check official channels on their website).

📞 Call or WhatsApp

You can also reach customer support via phone or WhatsApp for guidance on submitting your application.


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📝 A Few Tips

Ensure your personal information is up to date (especially NIN) because it’s required before benefits can be paid.

Don’t pay anyone for “fast-tracking” your pension — official processes and fees (if any) are clearly listed by the PFA and regulated by PenCom.

If you’re unsure or stuck at any step, contacting customer care directly is usually the fastest way to resolve account-specific issues.

Thanks for the insight. I knew about the part access of 25% four months after job loss . Also accessing it, is bureaucratic. I just wish it can be full access and not part payment. I don't want to continue to do salary job as it has not made me stable financially ever since, considering age and responsibilities.

...

shox:
These Apc minions forming okay fit reason you the money

Abeg where them they? I need to create sth that can improve life now. This salary thing has helped and has served it's purpose but still keeps me stuck at one place.

Rubyjade:
Which PFA do you use? You don't have to wait till you retire before you can access your funds.

Really? Armaccess. Abeg throw more light

Please who knows how or where I can borrow a loan of 4m to start a biz, without collateral.

This is the moment I honestly wish I could access my pension. It makes no sense to me that one has to wait until retirement or demise to use his pension – money that can be invested today in a biz or investment to secure the future

And leave it for who to run Good thing he's not you

Why play Kerkez over Robertson. This guy is killing games

Mine is: A year or more after NYSC i met a Lady while job hunting in Enugu, at 7up Bottling coy. She took my CV and next thing I saw was an invite in Lagos for an interview. Coincidentally, defunct Oceanic bank had scheduled me for an aptitude test in Enugu, same week as the 7up interview in Lagos.

I wanted to go for the 7up own in Lagos, but my Mom – who at that time, was mourning over the demise of our father, became apprehensive and begged me not to go that far , instead I should consider the bank aptitude test in Enugu, being that it's within the state we lived.

What would a naive boy do...I listened to her and considered going for the bank apt. test in Enugu over the 7up job interview.

Low and behold, the aptitude test was cancelled on the day of the test and never rescheduled. I quickly called 7up to pull one or two strings but was told another person had been considered as I didn't show up. And that's how I lost the two opportunities – family sentiments.

Worst part is that, after I reached out to the lady that assisted me with the opportunity over my situation, she confided that I would have gotten that job anyways but I chose the one nearby.

Well, I forgave my mom, forgave even myself but it's been hard to erase. I'm still paying for it till today doing jobs to jobs.

Lesson: Don't always think the easier, nearer, closer ones are better over distance. There's always a hidden treasure in the hard - to - reach ones

LowKeyManny:
For the young kings, never spend your first big bag on family. I paid so much black tax and ended back where I came from, like I never left because I wanted to be a 'good child'. Paid over 6 million worth of loans for my mum. Spent another 3 million trying to set her up. All went down the drain. Funny thing, the stupid hag keeps calling me for loans I know nothing about. While I am quietly drowning. Lol. I work with my dad. Made profit of about 150m during the period I was trying to set up my mum (thinking my cut from the 100m would be for me to set up myself). My pops bought me an SUV in my name for #13m as a 'surprise'. And that was it. Not even 1 kobo from the 100m for maintenance or fuel. Lol.

My boss I've been working with for about 3 years now. Can't ask for more loyalty. I fucking bashed my SUV from my other hustle, chasing money with my boss, expecting some mad funds to roll in. After we lost over #450m in last minute dropped deals in 2025, I tried not to mount financial pressure on my boss. But tell me why I casually saw payment receipts from 2024 issued by the office to the govt ministry when I did all the work and my boss been acting like the ministry hadn't paid all this while. The job was small sum. #10m. meant to be a start for bigger contracts. And my Voss received #7m since 2024. I didn't even know. Lol.

It hurts. But we live and we learn. Walai. If the roles were reversed, I wouldn't treat any of these people the way they treated me.

Last last na only yourself you know.

These numbers you mentioned have a way of making one ask God to connect him with you, you know? Lol Sorry about your own regret. However, if you can and convenient for you, abeg connect me.... your own regret na success for some of us

I don't know why this man likes to play Kerkez over Robertson. Kerkez would have bungled this game

Phoen1X:
And this is a supposed "pastor" working against her conscience to please her husband,,, the blood of the murdered christian faithfuls in Nigeria will not let them sleep in peace.

Pastor? Okay oo

This was a rigged match. The Referee was for Man City. Liverpool should have also gotten a penalty

yarimo:
Loser looking for what to blame on

My brother don't mind Obi jare. Instead of him to support your fellow bad persons, he is here trying to change them.

Only married men can understand his situation better. For those of you blaming him here and there, Men pls take care of yourself. So many married women don't know how not to stress their husbands. One reason men die first, and the women are left behind to train the children – which in many cases, can't fit in the man's shoes

The entire story was quite spellbinding. Say No to fraud

seunmsg:
This news ordinarily should elicit optimistic and positive reactions from all sensible Nigerian. Since the IMF published the stats, folks who primarily come from the SE have done everything humanly possible to attack and condemn the news. While Chinese, Indians and nationals of other countries mentioned in the top ten went under the tweet to project their countries positively, these set of Nigerians who support Peter Obi went under the tweet to attract IMF and world of statistics.

South African and a lot of Europeans went under same tweet to bash their government for not doing enough to make the top ten. In fact, some Europeans appealed to IMF to present the EU as a country so that the EU can make the top ten. That’s how much other countries value the achievement. But in Nigeria, these haters are attacking everybody because Nigeria achieved what a lot of other countries are struggling to achieve. They are so pained and angry.

Sadly for them, our economic growth is on a very high trajectory. It is unstoppable. The country shall continue to get better and they shall continue to get angry.

At this time in life, I think we can just make a simple comment or addition without provoking the sensibilities of others. There are people everywhere – some will like you, while some will not – just move on with positivity. People who don't like you may one day be infected by the positivity. Tribal sentiments isn't doing this generation any good

This Coach wastes his time training his players on how to be passing ball even in box 18, instead of being offensive

....and the former president you praised and buttlicked was more competent, right? Una own politics na just to enrich una pockets.

wunmi590:


Trump like war too much, Trump should have emanate during the time of Adolf Hitler

He doesn't necessarily like war as you think. In this life, even where you work, people will poke their hands right in your eyes simply because they perceive you "calm" or "peaceful". When they see you charge up and respond in the same manner, they go on to use propaganda against you. Cruel world indeed!

Cynical!

madridguy:
Kudos to the Nigeria Army. Flush out the bad ones.

I am not sure you read the story

I got a personal problem with clergies officiating this disgusting matrimony. Don't bring this into the Church.

Typical Nigerians. So no one saw the inbound shot intercepted accidentally by Bassey's hand in the 18 yard box. That was goal-bound and should have been a penalty but the referee overlooked it. Nigeria did not play way – they lost possession and hardly created any chances

This is very inhumane and insensitive. Shame!!

Now you want to monitor and prevent suicide caused by your government. What about building centres or channels people with suicide - filled minds can go to, where they have the chance to meet with psychotherapists that can help them , rather than putting two Hilux vehicles standby for emergency response. Remember, this FG's initiative is for suicide cases happening around 3rd Mainland Bridge. Obviously that's not the only place suicide can happen in this country

Arbeloa was a decision from the get-go but needed more reasons and time before implementation, probably if Alonso declines

I came here to see their Bast**d faces, but disappointed it wasn't posted.