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Career / Re: Why You Should Start Your Pension Early by micklplus(m): 8:16am On Nov 25, 2016 |
buchilino: The 8% from you is deducted at source before you are handed your salary. Except if your organisation hasnt bought into the pension scheme, YES? 1 Like |
Career / Re: Why You Should Start Your Pension Early by micklplus(m): 8:15am On Nov 25, 2016 |
buchilino: I understand your pain but then, what is required of you is 8% of your Transport, Basic and Housing. The other 10% is to be paid on your behalf by your employer to make a total of 18% Pension scheme is for the future and future must be taken care of from today. |
Career / Re: Why You Should Start Your Pension Early by micklplus(m): 8:04am On Nov 25, 2016 |
lawrence9999: Pension is not a scam. The reformed Pension Act 2014 has simplified and structured pension business in Nigeria. If you don't know, please ask questions and i am sure clarifications would be given. Thanks 1 Like |
Career / Re: Why You Should Start Your Pension Early by micklplus(m): 8:02am On Nov 25, 2016 |
hopefulLandlord: Don't be ambiguous . say what you know and say what you are sure about. Drawing from pension account has procedures. it isn't like a regular bank account. Every withdrawal from the pension account MUST be approved by the National Pension Commission which could be delayed and theres nothing PFAs can do if approval hasn't come from PENCOM. Before withdrawal, there are requirements and until those requirements are met, there IS NOTHING PFAs can do You might be right on inflation though but then, people drawing their monthly pension payment because of retirement still have higher balances inspite of their monthly payment, why do you think its like that? PFAs invest the pension remittance with them in viable business that would yield superb returns. Inflation rate is always considered and that is why there is a tight regulations to ensure investment of pension funds are done with professionalism and high profit margin in mind so as to ensure returns and infact, higher returns that would have taken care of the inflation rate. do a margin of fund price from 3 years ago and compare to fund price of today and you will see how good the funds have grown. Thanks 2 Likes |
Family / Re: How Does One Cope With A Short Tempered Wife? by micklplus(m): 6:58am On Nov 23, 2016 |
MechM: You are on point |
Family / Re: How Does One Cope With A Short Tempered Wife? by micklplus(m): 6:54am On Nov 23, 2016 |
Waladade4luv: Sorry, just saw this. Please, take her for evaluation so that professional doctors can run an evaluation on her to ascertain her state of mind. There might be something in the background that is an issue which she cant really point. Doctors, evaluator, therapists would do a good job to unravel everything and put her in state of peace of mind. All the best. Cheers |
Politics / Re: You Can’t Probe How I Spent Bailout Funds, Fayose Tells Senate by micklplus(m): 8:54am On Nov 16, 2016 |
kernel504:... But....FG can bailout when there is financial crisis, right? Na wah for you oo 11 Likes 2 Shares |
Politics / Re: Step Down Now... NBA Tells Arrested Judges by micklplus(m): 7:28pm On Oct 20, 2016 |
Good. This would send a strong message to other compromised and corrupt judges. The race to clean up the judiciary has begun 3 Likes |
Politics / Re: NBA Asks Arrested Judges To Excuse Themselves From Judicial Functions by micklplus(m): 7:22pm On Oct 20, 2016 |
Good. This would send a strong message to other compromised and corrupt judges. The race to clean up the judiciary has begun 3 Likes |
Career / Re: 10 Things You Need To Know About Pension In Nigeria by micklplus(m): 7:37pm On Oct 07, 2016 |
yetseyi: The principal is reinvested as a going concern. The fund keeps growing and whatever that is paid as the monthly pay is from the interest accrued on the principal therefore, the balance keeps growing on and on. 1 Like |
Career / Re: 10 Things You Need To Know About Pension In Nigeria by micklplus(m): 2:16pm On Oct 07, 2016 |
yetseyi: Okay, i am here. Though i work with a PFA but, i am glad to tell you, ARM pension is okay! Yes, programmed withdrawal is good. In PW, your fund is yours. in Annuity, the fund is added to a pool of funds. In P.W, Monthly pay is paid from the interest gained on the balance after the lump sum would have been paid. It is not possible for the retiree to exhaust the balance. The fund price is ALWAYS growing and that's more money! Certain retirees that left job several years ago are still being paid monthly while their balances keep increasing . Incase of death, the next of Kin is paid the balance plus accrued interest in Programmed withdrawal In annuity and in case of death especially within the 10 year window, the Next of Kin gets paid the sum assured for the 10 year period only and not the entire funds used in the purchase of annuity. After the 10 year period, the next of kin gets paid nothing in case of death. At the point of purchase of annuity, the insurance agent is paid 3% of your own money! The margin between P.W and annuity isn't much and shouldn't be an attraction. Programmed withdrawal is better and not because i work with a PFA but as matter of what is beneficial to you. Hope this is helpful? 2 Likes |
Career / Re: 10 Things You Need To Know About Pension In Nigeria by micklplus(m): 11:40am On Oct 07, 2016 |
yetseyi: In a meeting. Would respond before 1pm. If you can send your number, I would call you |
Car Talk / Re: Maintenance Tips For Honda Cars by micklplus(m): 3:23pm On Sep 24, 2016 |
Luvinhubby please, can you give prices of the below listed items for Honda Accord 2007? Gear box mountain Upper ball joints oil seal exhaust mountain engine cover seal |
Crime / Re: A Jeep Drops A Bleeding Lady In Ikeja (Photos) by micklplus(m): 12:03pm On Sep 23, 2016 |
Na wah. Excessive love of money in a negative way is the root of all evil. This is sad. I hope she gets help fast 6 Likes |
Fashion / Re: Makeup Transformation! Checkout These Before And After Makeup Photos by micklplus(m): 3:37pm On Sep 22, 2016 |
This is wickedness. I hope make up artist would make heaven sha? 16 Likes |
Business / Re: Man Strips Unclad At Debtor's House To Demand He Pays Him His Money by micklplus(m): 2:40pm On Sep 22, 2016 |
Certified Debt Recovery Officer. LOL If not for the name, i would have taken him for an Ijesha man ( Osho Maalo, se bebe) LOL 20 Likes |
Politics / Re: Economic Recovery Key To Checking Human Trafficking- Buhari by micklplus(m): 8:09am On Sep 21, 2016 |
GOod “We are also investing more on infrastructure development, education and health for our people. When the results of our efforts become manifest, the attraction of seeking greener pastures abroad will lesson,” Makes a lot of sense when there are world class infrastructure when there are good health care system in place when people are soundly educated as to be able to determine the right thing to do, what else would be a reason why Nigerians are running out of Nigeria in droves? “We are aware of the challenge for Nigeria, but our resolve to combat it is strong and unshakable,” Thank you Mr. President for the closing line 5 Likes |
Car Talk / Re: Adorable Photos Of Customized Peugeot 504 In This Modern Day. by micklplus(m): 4:38pm On Sep 17, 2016 |
mayor2013: Go and check mudi's own out. You will lick it like ice cream. Clean and very well maintained. He is inside Anthony, Lagos. |
Autos / Re: SOLD SOLD SOLD Honda Accord 2003 Model -manual Drive- 4plugs. N600,000 by micklplus(m): 2:35pm On Sep 15, 2016 |
ayobase: Sold since 2015 |
Car Talk / Re: How Hard Is It To Drive A Manual Car In Lagos by micklplus(m): 10:09am On Sep 04, 2016 |
redcliff: It's sad how lazy people have become. Driving a manual is now a taboo. Unbelievable. I used to drive a manual audi 1.8 turbo, no car ever beat me on the road both intercity and long distance journey. Yeah, it was a manual. I drove a manual Honda Eod to 2003 model, you need to feel the power and responsiveness of the car. The fuel consumption was wonderful. I sold her off in May 2016. The buyer has been very thankful. All these people ranting about manual are either bad drivers or have a warped mentality of a manual being not a befitting car while automatic drive is the rave. 2 Likes |
Car Talk / Re: How Hard Is It To Drive A Manual Car In Lagos by micklplus(m): 8:09am On Sep 04, 2016 |
So sad how we have demonised manual. Born and bred in Lagos and i have driven manual in Lagos consistently Except if you don't know what you are doing, nothing is wrong with manual Drive. In a crazy twist, I love manual more and it's more fun 3 Likes 1 Share |
Car Talk / Re: Please Who Here Have Bought A Car From Jiji? by micklplus(m): 12:15am On Aug 28, 2016 |
I have bought 2 cars through jiji. I did all the due diligence. Checked everything checkable. 13 Likes 2 Shares |
Politics / Re: See What Former President GEJ And Toyin Aimakhu Were Caught Doing -pics by micklplus(m): 11:39pm On Aug 27, 2016 |
All join. They are adults, they can flex as they like joor. |
Politics / Re: Jibrin & Melaye During Obasanjo’s Presidential Campaign (Throwback) by micklplus(m): 11:35pm On Aug 27, 2016 |
Ogaju. The hustle didn't start today. If only they all have given their best without becoming one of naijas problem, things would have been better. 18 Likes 1 Share |
Car Talk / Re: Advised Against Honda Accord.... by micklplus(m): 10:31pm On Aug 27, 2016 |
REDDEVILS1: What I do is to Jack up the car, remove the tires and check. 1 Like |
Car Talk / Re: Advised Against Honda Accord.... by micklplus(m): 5:29pm On Aug 27, 2016 |
REDDEVILS1: No matter how bad the road might be in your area, a good ball joint should serve atleast 12months. Check it regularly at 3 months interval 1 Like |
Car Talk / Re: Advised Against Honda Accord.... by micklplus(m): 4:52pm On Aug 27, 2016 |
REDDEVILS1: Nothing much beyond the routinal maintenance. Avoid bad mechanics, get a competent engineers to work on your car. They are here on nairaland. Use recommended grade of oil no matter what the road side mechanics say. Service as at when due and scan the car from time to time and believe me, you are good to go. All the best. Cheers 1 Like 1 Share |
Car Talk / Re: Advised Against Honda Accord.... by micklplus(m): 5:44pm On Aug 26, 2016 |
REDDEVILS1: Depending on the type of Ball Joint you are buying. Buy China, at least 8 months Buy Taiwan, it should take you about 18 months Buy the OEM standard, it should do at least 24 months. Some tokunbo Ball Joints are also very good too Check the ball joint from time to time and believe me, you are good to go. I just got another Honda in June, 2016 3 Likes 2 Shares |
Education / Re: JAMB: ASUU Kicks Against Oloyede’s Appointment As Registrar by micklplus(m): 6:46am On Aug 17, 2016 |
They obviously don't know what they are talking about especially at the point they quoted 7.5% pension as per the pension reform act. According to the pension reform act, it is now 18% combined. Employer to pay 10% while employee to pay 8% hence, his reason for the increment. Of course, he did what the act stipulated. Again, must they reject everything ni? Hopefully, they won't reject the air they breath and start a protest. 20 Likes |
Car Talk / Re: Lagos Woman Drives Off With LASTMA Official Hanging On Her Car Bonnet (video) by micklplus(m): 2:27pm On Aug 05, 2016 |
Sharp bad woman i am scared for the woman because, Ambode doesn't joke with stuff like this. Again, the govt official should devise a way to apprehend offenders as against putting their lives at risk in a bid to arrest. What if the official had been knocked down. Crazy things happening in Lagos. LOL 22 Likes 1 Share |
Politics / Re: Nigerians Are Comedians.. Screenshots by micklplus(m): 2:11am On Aug 05, 2016 |
Hell yeah, bring all of them to me, I'll arrange a firing squad. Lol |
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