₦airaland Forum

Yes, he must be a spy police and the Bank may not have allowed his resignation yet for obvious reasons of getting patronage of Government account deposits and other things. The spy police is allowed to wear any type of police uniform with crested names and identity. While working in the bank as mgr I had that privileges and we had so many drivers trained. One was also my driver. The banks require police services and they are in shortage of supply, besides driving police on bullion operations and cash movements require that the driver need some specialized training and skills to support the police team work. Also it makes the teaming effect better. Sahara reports falls gallantly by their poor knowledge and investigation lapses.

Why is my taste different, I'm only crushing on pix 7, the lady on pink and white leggings. I'm imagining

Sleekbaby:
Egwusi is not pumpkin seed, pumpkin seed is different, is way bigger than egwusi seed, u can cook it n eat like dt.

You took these words from my mouth. Are you a spirit? Thank goodness for noting the error

And when U try to park your car by the side walks to answer a phone call, angry and hungry looking touts will jump into your car claiming you have violated parking instructions and have your car impounded or you pay them a ransom to avoid some rough handling. Shame to that state that eats up her inhabitants. Nothing is good about warri, Effurrun, all over hyped and bloated bigwigs that can't do anything. I hate the area with a passion.

The uduaghan administration was just a joke. He virtually looted the state. Delta among top three that share fat money from faac yet so poor in infrastructures. Imagine an airport that was initially consulted and to cost #4billion, he connived and contrived it to #40billion, just like that. The airport has been banned by FAAN being substandard. He said " they should finish strong" and yes they killed the state strongly. And he wanted to upstage James Manager, the senator representing his constituency in the last primary elections. He must be held responsible for the deplorable conditions of the state. He sat on DESOPADEC and used the funds to his greed. In fact he must go to jail like his predecessor. That is what suits them. Go to Katsina, kano and see roads and you wonder that they are doing great things with their money, but Delta no. They only take the money for themselves and suffer the inhabitants. Bleep up delta state. That place sucks, and Bayelsa. Edo state is much better than these ones.

Why are people just viewing and reading only without commenting. The Nairalanders I know are better than these ones.

You are a serious amateur, so what happen to the other ingredients? The oil, crayfish, okpei, etc. Incomplete process and a bad method.

I have been experiencing itchy skin on my back for about 3 weeks. I initially thought I had some sort of fungus...essentially athletes foot or similar...but the symptoms were not localized in the "usual" places. My skin is not dry and I don't have obvious visible signs except irritation caused by scratching. Although the symptoms vary in intensity, the itching can be quite severe-to the point that it keeps me from sleeping and is a very big distraction when I'm awake. I am scratching my back to the point that my skin is becoming very irritated-even causing minor bleeding. I visited a dermatologist who was not able to identify any obvious cause such as dermatitis, scabies or the like. The doctor prescribed an antihistamine but that only provides modest relief if any. I take a couple of medications but I have not taken any drugs for a very long time......and have never had any similar response before. As such, the doctor does not think the symptoms are caused by an allergic reaction to medicine anyway. I'm at about my wits end. The symptoms are extremely annoying. I'd appreciate any advice on what I might do to understand the cause and treat this.

misspicy:
he most be mentally unstable,something guys guard jealously,he cuts his

Yeah, jealously because of you and other women who will not accept any account of it missing.

Paul Bassey would be a better choice over Segun Odegbami to me. I used to hear that one speak francais (French language), but this one?........ Please help me complete my sentence.

misspicy:
Kids grow so fast this days

Point of order; "these days", you mean?

I suspect Wike to be behind this. Wickedness in high places

thelish:
why not go through d thread before commenting? It gives u more insight on what ur writing about. Tank u

Young lady, I want U to remain strong and my harsh words is like that of a caring uncle. Life is not fair and we fall prey to our emotions and tend to think it's better on the other side. I have enough insight into what U were experiencing and don't want to follow the crowd and support any divorce talks. The lord is your strength please.

You can't even respect your signature that says. "what doesn't kill you, makes you stronger". Women have been failing the vow "till death do us part". since 0AD. Imagine if you had gone ahead, what would you do now that he has gotten a job?Weeping may endure for the night, but joy cometh in the morning.

Is this 22 years old? I suspect the ever suspicious cover up.

micklplus:
Like I stated earlier, the pension industry is closely regulated by national pension commission and pfas get approval for every and anything.

The payment template is structured by Pencom and until otherwise stated, there isn't much pfas can do.

The primary aim of the pension scheme is for contributors to set aside funds for when they not active any longer and pension account isn't a conventional account when contributors can draw down at will

Okay, thanks all the same. I will wait till then.

dd12345:
@ Jonwesley you won't be paid everything, but an agreed instalments according to pension act 2004 and 2014...

the essence of pension is to take care of you in your old age not to help finance your business( which has risk of loss or gain)

Thanks for your response. What could be the agreed monthly instalments? And the agreement is made between who and who please. If I'm a party to the agreement, why can't they consider my request that I need more than just stipends. Again, can they pay #550,000 first and probably spread the balance if they must do PENCOM bidding as by the Act?

micklplus:
At 50, you would be paid your full retirement saving if your contribution is less that 550,000. You would be placed on programmed withdrawal if your contribution is more than 550,000. That is, some percentage of your contribution is paid to you and the balance is paid to you monthly.

The other option is annuity.

Thanks mickplus, my balance is more than that please. My question is why not pay me everything when I have dependents and have no other source to increase my capital for business. And it's the business that is feeding all of us now.

fame12k:
If the total contribution left in your RSA is less than N550,000 you will be paid off the full at once. But if more than N550,000 It will be spread out and paid monthly, depending on the package u opt for. you run programme withdrawal at leadway pensure Pfa

Fame12k, thanks for your piece. My balance as at last check is more than 550,000. I don't want any piece withdrawal please, as I need it to augment my trading capital. My RSA is AIICO please.

OP, thanks. It's educative, good post.

Realwvn:
‎Your pension fund administrator (PFA) will take your questions and give you all the information you need to make the right choices as you prepare for life after work. Furthermore, here are 10 things you should know about your pensions before you retire. 

1. What’s the due date and payment mode?

If you choose to be paid monthly, your PFA will pay your money to your bank account on or before  the 24th day of each month. You don’t have to worry about cheques or any long process. Receiving your pension will be completely convenient for you.  

2. What happens in the event of death?

If one is on the Contributory Pension Scheme (CPS) and dies either in active service or after retirement, the next-of-kin as provided by the deceased to the PFA will be contacted to provide relevant documents for processing the contributions. The contributions will be paid to the named beneficiary in the WILL of the Letter of Administration. 

3. Can you change your next of kin after you retire?

This can be done at anytime. The change of personal information form will ideally be found on the website of your PFA. Download the form, fill it and submit to your PFA for actioning. 

4. How much can you take at once when you retire?

As lumpsum, a retiree is entitled to an amount not less than 25% and not more than 50%. This amount is however dependent on the fact that the retiree is able to collect a monthly pensions of not less than 50% of his/her last salary (computed based on the housing, basic and transport) for a estimated period of atleast 18 years. 

5. How soon can you start getting your pension after you retire? 

The process of documentation actually starts six months before you retire. For FG employees they have to go for the Bond verification exercise organised by PENCOM. This exercise basically is to enable PENCOM consolidate their account and ensure their accrued rights are paid immediately they retire. For Private sector employees, your PFA has to confirm that all contributions due to you have been made. This process is called ‘consolidation of account’. After this is done, the process of actual payment should take about 3 weeks. 

6. Can you choose how you want to be paid?

The programmed withdrawal means you get to choose your payment interval by yourself. You can choose to be paid your pension monthly or quarterly depending on what you think works best for you. Your PFA will be crediting your bank account according to the plan you choose.

7. Can you take from your RSA before you retire?

Yes you can withdraw for your RSA before you retire if you are out of employment for four months and you’re unable to secure another employment. You will be given 25% of your RSA balance. After this 25% has been withdrawn for your RSA, the balance cannot be touched until retirement.

However, if you choose to make additional voluntary contributions (AVC) into your Retirement Savings Account (RSA) you are entitled to withdraw from your AVC any time before retirement (it is tax free if withdrawal is after 5 years). So if you’ve been putting some AVC in your retirement account or if you start now, you too can withdraw from that at any point before you retire.  

8. What happens to your balance after you withdraw your lump sum?

When you retire and take an initial lump sum from your RSA, the rest of the money will either be used to procure an annuity for you, or it will be used to fund a programmed withdrawal that pays you for an estimated lifespan of not less than 18 years…in real terms…for life.
A programmed withdrawal is a method by which the employee collects his retirement benefits in periodic sums spread throughout the length of an estimated life span.
An annuity is an income purchased from an approved life insurance company which provides monthly or quarterly income to the retiree during his/her lifetime but only the first 10 years are guaranteed meaning if the retiree dies AFTER 10 years, his/her beneficiaries get NOTHING.

9. Other than when you retire, when can you have access to your RSA?

There are special cases. For instance, if you retire before you’re 50 years old because of a mental or physical disability, your PFA will give you immediate access to your RSA. You can also claim 25% of your pensions if you lose your job and can’t get a new one within four months.

10. Should you move your pensions to an
insurance company when you retire? 

It is entirely your choice but you’re strongly advised to keep your pensions with your PFA. Your PFA manages your pensions while you work, they invest the pensions for you safely and they update you regularly about how your money is doing to help you prepare well for retirement. This proves that you can trust them to keep delivering even after you retire. Besides once you move from Programmed Withdrawals to Annuity, you CANNOT move back if you’re are not satisfied with the services they offer or the deal you got. So choose wisely and make n informed decision. Your future and that of your loved ones count on it



http://www.naijanewsrave.com/10-things-you-need-to-know-about-pension-in-nigeria/

Please educate me, I'm on my private business and managing on with my family. I have an RSA account while working with a company and left since 7 years. I have no other job secured since then. I went to my RSA account holder and was paid 25% as you rightly stated. I was told the balance left will be paid me on attainment of 50years. Are U insinuating that I won't be paid everything, but an agreed instalments?
I just can't accept anything but my full balance to make up for my petty business of trading. I'm patiently waiting to be 50years now to face them.

Ramj:
If you have laminated it you can try to carfully remove it but it has to be sone very CLINICALLY... VERY CLINICALLY lest the certificate gets damaged. Second option is to just leave it like that..

Thanks Ramj, this is what I wanted to hear, not the rousers who are celebrating our mistakes.

I will keep them like that.

Nairalanders please I'm totally disappointed. As important and educative as the thread is, none of the responders to the post has any advice to those like me who have erroneously and ignorantly laminated all their documents, even my children birth certificates.

The question is what can we do about them having made the blunder in laminating them? Before now laminating documents was the right and first action on certificates to ensure it does not get wrinkled or torn. Those yet to laminate theirs are lucky, not that they are wiser than we.

Imagine, the journey has not lasted more than 15 minutes judging by the distance to Ibafo from Lagos and the guy had pilfered the lady's bag already. That was fast. Suppose he had waited when most passengers had dozed off he would have done more havoc. God be praised! He disappointed the devices of the crafty that they cannot perform their enterprise.

This is part of the rot caused by a clueless government of ex president Jonathan. Almost all appointees of the previous government became politicians and professionalism was sacrificed. Recall the NIMASA guy too, sponsored political campaigns of his godfather and benefactor.

Hi Op congratulations! Your experience is a motivation to me. I share in your joy in running from landlord exploitation. God will empower you the more.

This discovery is an eye opener to me. May God deliver us from these scammers. I guess I will use this thread as a reference material in future.

Boluu:
shout up please,, tecno produce better than samsung and in a cheap price

Poor you! New comer ma get mouth. Kikikikiki........I'm laughing

But a certain Yoruba pastor whose name I have forgotten was up 114 and he died last year. He never retired one day till date called him. Enoch in the bible was over 700 years, never saw death for God took him.

The end has come. Brutal killings, shootings, everywhere. The wickedness of the wicked is on the increase. But why do what U know U will be caught anyway. Dead conscience is to enable the devil perpetrate evil through those that are available. May God deliver us o!

This was one of the reasons why the ooni's death was yet to be announced. Your emotions at the demise of a king and marriage of his prince can't be simultaneously done at the same time. The event was planned to hold but death is a spoiler of things, it came calling unannounced and when it's never welcome. What they have done is like saying which I believe also "death where is thy sting, grave where is thy victory?"

Why did he collect the medal if it was meant for the loser. He's sore loser and full of pride. He was never a player so I don't blame him. If he was he would have learned sportsmanship. To hell with him, and Chelsea. Arsenal don't spend money buying the best players in the world just to win the league and winning at all costs mentality is not coaching please.

This is their own 911 episode, done by themselves effortlessly. The evil that men do lives with them. See now?