₦airaland Forum

[center]“And God blessed them, and God said unto them, Be fruitful, and multiply, and replenish the earth, and subdue it: and have dominion over the fish of the sea, and over the fowl of the air, and over every living thing that moveth upon the earth”

Genesis 1 v. 28 (KJV)[/center]


Dear Child,

Let me start by saying, “I know”. I know how much it hurts. I know how the phrase, “Be fruitful and Multiply” haunts you every second you have to wait for the fruit of the womb. I know you feel like a failure every time you see the single pink line on the pregnancy test, the failed IUI/IVF, the miscarriage, the stillborn babies, early infant deaths, you feel incomplete, incompetent and incapable.

I know when you ask, “how hard can it be to be fruitful and multiply?” I know how many times you lose your cool and ask me, “Why me?” I know how many times you felt like a lesser human being – lesser than the plants and animals who reproduce with ease. I know how many times you had to put on your “game face” and appear put together in the midst of people, even though on the inside, you were scattered, scared and ashamed.

Darling, put all those feelings aside, feelings do not represent the truth. The truth is, you are built to be Fruitful. To multiply. To Dominate and Subdue the earth. I placed my creative ability in Adam, who represents all mankind – male and female, including you. I was conscious when I said there shall be none barren amongst you. Yes, it means that you are not barren - so stop referring to yourself as such.

I assure you, you have all it takes to meet my commandment, do not fret my Child. I made you in my image and you have the capacity to do exploits, you do not have an excuse to fail! You may face challenges (or delays) in achieving exploits, but you are not incapable or handicapped. Remember, the earth was dark and without form when I created everything you see now.

I have empowered you to be fruitful and to multiply. This is the truth, irrespective of what the doctors, the tests or even your accusers have told you. I need you to walk in acknowledgment of this truth and defy all obstacles on your way. Work in the knowledge that you are fearfully and wonderfully made. Stop putting on your game face, put on your God personality and make something out of (seemingly) nothing. You have what it takes. Do not give up. Don’t throw in the towel. Do not get weary. Strengthen yourself in my joy. Go ahead and expand your territory, for fruitful you are and multiply you will.

I remain the same, the Unchangeable Changer,
Your Creator!

Note – I hope this letter brings strength and succour in trying times, when you are experiencing delay in childbirth. God remains your comforter.

Source: http://www.marriagearian.com/2015/07/built-to-perfection.html

The first Pension Reform Act was enacted in 2004 (the “2004 Act”) by the Obasanjo government to address the chaos and abnormalities in the existing pension arrangements where there were unfunded pension schemes, delays in pension payments and other financial malpractices which hampered the success of the pension scheme.



Ten years later and on July 1, 2014, President Goodluck Jonathan repealed the existing Pension Reform Act and replaced it with the 2014 Pension Reform Act (the “2014 Act”). As an SME/start-up owner, the first questions on your mind will most likely be – “How does this recent law affect my business?” “Do I have more financial obligations?”, “What are my rights? obligations? duties?”



To answer these questions and enlighten you on the new Act, we have listed 10 provisions of the Act that should be of interest to you as an SME owner:



1. Too soon? Too quick?

The 2014 Act does not state the date of commencement. However, considering that the 2004 Act was repealed with immediate effect, the date of commencement will be the day it is signed into law. This means that as of July 1, 2014, the provisions of the 2014 Act will take effect.



As an employer who has been contributing under the 2004 Act and you have up to 5, but less than 15 employees, this means that you are no longer obliged to contribute to the scheme. What then happens to the employees already registered on the scheme? Do I stop their contributions abruptly? A lot will depend on your employee handbook (if any). Also, such employees may, continue with the scheme, but in accordance with the guidelines issued by the National Pension Commission (“Commission”).



2. I have few employees, do I still have to contribute to the scheme?

If you have less than 15 employees, you are not obliged to be part of the scheme, where however, you have less than 3 employees or you are self-employed, you can voluntarily join the pensions scheme.



This is a deviation from the existing law which makes it mandatory for employers with 5 or more employees to join the scheme. This was previously a huge burden for SMEs/start-ups that were still trying to get established and stabilize financially. The new amendment is definitely good news for SMEs and start-ups with less than 15 employees.



3. What is my contribution liability?

You are now liable contribute a minimum of 10% of the each employee’s total monthly emolument (unlike the 2004 Act which was restricted to basic salary, housing allowance and transport allowance). Employees on the other hand are to contribute 8% of their total emoluments.



4. Can I make additional contributions to my RSA?

Employees are allowed to make voluntary contributions, Thus, in addition to the 10% (employer) + 8% (employee) contribution, one can opt to make additional voluntary contribution. Though not specifically stated, but as the business owner (and invariably, the No.1 employee of your business), you can also opt to invest some of your plough-back profit in your retirement days.



5. Can I withdraw from my RSA before I turn 50 years?

Withdrawals can be made from the RSA before the stipulated retirement age! This provision applies to an employee who disengages (which will include resignation) or is disengaged (through summary dismissal, termination of employment, redundancy etc). Such person can, with the approval of the Commission, withdraw up to 25% of savings, where the person will not gain employment for the next 4 months.



This may constitute a good source of funds for an employee-cum-budding entrepreneur as you are now able to withdraw from your RSA (subject to approval) and use the funds to kick-start your business (without worrying about interest rates and other repayment terms)

6. Do not attempt to commit an offence under the 2014 Act!

Be careful not to commit (much less, attempt to commit) any offence under the Act. The penalties for committing any offence under the Act will attract the same penalty as attempting to commit the offence.



One will think that there should be a lesser punishment for attempting to commit an offence, but, it is believed that this provision was included in order to discourage persons from attempting to commit, much less commit an offence under the PRA.



7. Dispute Resolution v. Criminal Prosecution.

The Act prescribes different methods for addressing disputes and for prosecuting offences. Offences are prosecuted in a court of competent jurisdiction, whilst civil disputes are first referred to the Commission, if it is not resolved, it is then referred to Arbitration and the arbitral award can be enforced in court.



This difference is probably due to the fact that criminal offences can only be tried in a court of law, while civil disputes may be resolved using alternative methods.



P.S: The above do not constitute any professional advice in any form. It only represents the findings of the writer. Should you require professional advice/assistance, please do not hesitate to contact us (pearlworthconsultants@gmail.com).

Source: http://www.pearlworth.com/apps/blog/show/42505678-7-interesting-facts-about-the-2014-pension-reform-act-


You are also invited to the SME Legal Clinic which gives insight into the provisions of Nigerian Business Law in the areas of corporate governance, taxation, dispute resolution, contracts & contractual liabilities. The course is scheduled to hold between November 20 – 21, 2014. Contact us for more information on registration.[font=Lucida Sans Unicode][/font]

Vacancies Exist for the following job positions:

1. Business Development Officer (Ref: 2XPC-BDO)

A background in advertising (outdoor) will be an added advantage.

• A bright, talented and self-motivated person, who has excellent organizational skills and highly efficient
• Efficient, focused and serious minded
• Minimum of HND or University Degree in Marketing, Mass Communications, Business Administration (or similar courses)
• Very strong verbal and written communication skills
• Basic computer skills

Location: Ikeja (Persons that live around this area will have an added advantage)

2. Marketing Officers (Ref: MOR-MKO)
The marketing officers will be involved in selling beauty and healthcare products all around Nigeria. Preferred candidates should have:

- 3 years work experience in marketing
- Very professional
- A bright, talented and self-motivated person, who has excellent organizational skills and highly efficient
- Efficient, focused and serious minded
- Minimum of HND or University Degree
- Very strong verbal and written communication skills
- Basic computer skills

Location: Around Nigeria

Interested candidates should send in their CVs to pearlworthcareers@gmail.com with the relevant Job Position and Reference Number on or before Friday, 8 August 2014.

if it's not too late, send an email to pearlworthconsultants@gmail.com

I had the utmost pleasure of speaking to a group of young people on Business Intelligence earlier this month. It was very eventful for me as I had the rare opportunity to speak to eager and intelligent youth on “Business Intelligence: Maximising Opportunities for Sustainable Growth”. The highpoint of my day was when I received a bunch of questions from these youth. The questions demonstrated that the youth had not only listened to all I had said, they had tried to apply what I had said to their peculiar situations (brilliant guys, aren't they?) and were seeking answers to the knots and challenges they encountered in the process of assimilating.

I have decided to share the questions asked by the youth and my simple, practical answers given to them. I believe that the answers will help a business owner/(budding) entrepreneur. Here goes:

1. As a young man intending to do business but has no funds, what can I do? You said we should not borrow, is it wrong to approach banks for loan?

(I actually didn't specifically say that one should not borrow, but I said the Bible does not encourage Christians to borrow)

For most businesses, you really do not have to borrow in order to get capital. Rather, you should focus on starting small, thinking big and growing fast. There are other alternatives to raising capital, such as getting investors, savings, plough-back profits etc. You should focus on reducing costs, including the interest on loans taken.

Where however, it is absolutely necessary to borrow, then, it is best to look for loans with zero or minimal interest rates. The interests are a cost to your business operations that you can avoid or mitigate. Loans can be taken from family, friends, colleagues, employers at no interest (at least, in Nigeria). You can also consider loans from microfinance banks or moneylenders whose interest rates are lower than commercial banks’ lending rate which is in the range of 24%- 28%.

2. If you intend to start a business that has not been done before and you are worried that your idea might be stolen. What can you do?

The law contains provisions that protect novel ideas and interventions. However, if your idea does not fall within the scope of these intellectual property rights, you can ensure that a non-disclosure agreement is signed with the person/organization you are about to share your idea with.

3. How can a budding comedian present himself and create opportunities?

With respect to appearance, what you sell as a comedian is laughter. The best way to present yourself as a comedian is to look funny. Once you see Mr. Ibu, your first reaction is to laugh. He has caught your attention without saying a word. The same goes for you as a comedian, work on your mien such that people find humour in your presentation.

To create opportunities for yourself, you must remain prepared. Always be prepared. You must be a strategic and creative thinker. Volunteer to do comedy skits where people are gathered. Volunteer to present jokes at weddings, children parties, church events etc. There are radio shows that allow callers to say what is on their mind, use the opportunity to share a joke every day until you become a household name. Compete in talent shows. Remember, any social gathering of people is an opportunity to publicise your talents.

4. When maximizing opportunities, to what extent can one take risks?

Risks are a crucial part of running a business. As an entrepreneur, you must take risks in order to grow your business. However, you have to take informed risks. Do research. Do a SWOT (Strengths, Weaknesses, Opportunities, Threats) analysis, a Cost-Benefit Analysis etc, to ensure that it is a risk worth taking.

Create possible scenarios on the risk you are taking and make plans on how to mitigate the negative effects of the risks you are taking. Where possible, take out insurance policies for indemnification in the occurrence of the risk.

It is acceptable to take risks in business, but only when the risks are calculated.

5. Is it professional to sell your products at a bus-stop or in an open market?

Whilst location is important to the success in a business, it is not unprofessional to sell your products at a bus-stop or open market, if your products will sell there.

Professionalism depends more on the manner in which you carry out your business and treat your customers. You can distinguish yourself as a puff-puff seller by maintaining a clean workspace, wearing a clean apron or even wearing a suit! Treat your customers with courtesy and in a professional manner and you will be seen as different, despite the location of your business.

A good example is SLOT. SLOT is now a brand name for buying standard phones. However, SLOT started in computer village, an open market where phones, laptops and other ICT gadgets/accessories are sold and is notorious for selling sub-standard/counterfeit products. SLOT distinguished itself by selling original products at competitive prices. Now SLOT has braches all over Nigeria and in the highbrow areas of Lagos.

Your location does not determine the professionalism of your business, your mode of operation does.

6. I have an opportunity to establish a small business, but there is no space, what can I do?

You first have to ask yourself, “Do I REALLY need space to operate my business?” I once spoke with a young entrepreneur who wanted to run a “pure water” (pure water is what Nigerians call drinking water in a sachet) production, but claimed he could not because he could not afford to buy land.

If you are sure you need space, then you have to think creatively. “Can I use a space in my house?” “Is there an office/shop where I can share in the meantime?” “Is there some other way I can get space without spending too much?”

While doing all these, bear in mind that this is not your final destination, remain focused the big picture and plough-back your profits into getting the space you need.

7. Is there anything like a second opportunity or second chance?

Yes, there is. But like first opportunities, they are scarce. Therefore, you must train yourself to make the best of first chances and opportunities. You may get a second chance, but it is highly unlikely and even if you do, you will have lost a lot of time & progress waiting for your next opportunity.

On a final note, opportunities are the lifeline of business growth and you must learn to make the best of them.


You are invited to the SME Legal Clinic which gives insight into the provisions of Nigerian Business Law in the areas of corporate governance, taxation, dispute resolution, contracts & contractual liabilities. The course is scheduled to hold between November 20 – 21, 2014. Contact us for more information on registration.

Source: www.pearlworth.com

productiveme: Hello Pearlworth,
Just reading tru dis blog and came across this discuss. I have a similar case and i'll need your advise. Thanks

Hi,

Please send an email to pearlworthconsultants@gmail.com and let's take it from there.

Look forward to hearing from you

lilahk: Hi,I don't know how they do this but I'm a young graduate an in need of a job urgently.I'm interested in d pearlworth job offer.I would really appreciate if I'm given.don't knw where to apply for it please I really need this job.thanks.incase,here's my number...08065439580

Send your cv to pearlworhcareers@gmail.com. we will KIV your CV

There are available job vacancies for the following job positions. Interested candidates should send the CVs to pearlworthcareers@gmail.com with the subject reference stated beside the available job role. Deadline is 12 noon, July 16 2014

1. Business Development Officer (Ref: XPC-BDO)
Job Description:
• Will handle all customer service issues with regards to the company functions
• Increase the level of sales and business mix from individual clients
• Increase share of each market sector
• Research and Database
• Maintain an accurate and current database
• Identify and develop sources of potential clients
• Effectively communicate with clients to gain commitment to purchase
• Maintain regular contact with Key Clients
• Effectively communicate with clients via telephone, face-to-face and written communication
• Develop and maintain relationships which benefit both clients and the company
• Be able to match appropriate products to clients’ requirements
• Maintain a current and accurate knowledge of products
• Represent in a professional manner at all times
• Undertake any reasonable duties as specified by Managing Director and Group Sales and Marketing Director

Minimum Requirements
• Not older than 26 years old
• A bright, talented and self-motivated person, who has excellent organizational skills and highly efficient
• Efficient, focused and serious minded
• Minimum of HND or University Degree in Marketing or Mass Communications
• Very strong verbal and written communication skills are required
• Basic computer skills are required

Office Location: Ikeja

2. Front Desk Officer (XPC-FDO)
Job Description:
• Handle the office in the absence of other staff
• Handle and reconcile the office petty cash
• Relate with all customers, vendors and suppliers
• Receive and make calls as directed
• Handle all office documentation
• Take payment information and other pertinent information such as addresses and phone numbers.

Minimum Requirements
• Not older than 26 years old
• A bright, talented and self-motivated person, who has excellent organizational skills and highly efficient
• Efficient, focused and serious minded
• Minimum of HND or University Degree or equivalent
• Very strong verbal and written communication skills are required
• Basic computer skills are required

Office Location: Ikeja

3. Accounts & Administrative Officer
Job Description

Keeping of account records

§ Reconciliation of bank statement with account books

§ Monitoring of cash flow

§ Handle transactions and businesses with all company registered banks

§ Verify all cash and cheque requests

§ Approving and disburse cash requests

§ Goods and Products importing and exporting administration

§ Facilitate foreign exchange transfers

§ Maintain proper filing of documents relating to financial transactions

§ Review invoices and statements

§ Prepare financial budgets

§ Prepare financial statement on monthly basis

§ Prepare Management Reports and MIS-related reports

§ Petty cash administration

§ Offer support services to other staff

§ Design policies for the administrative unit

§ Implement procedural or policy changes to improve operations, such as supply changes or the disposal of records.

§ Design policies that will ensure the smooth running of the office

§ Directs the overall daily operations of the facility, ensuring compliance with office policy.

§ Ensures monthly payment of utility bills ( telephones, power, etc) of organization

§ Liaises with contractors and artisans

§ Assist with recruitment process of select positions within the organization

§ Ensures proper filing of documents related to administrative unit

§ Involved in maintenance and safeguarding company property

§ Assist the CEO with all administrative related functions

§ Coordinate travel logistics for all employees in the organization

§ Coordinate logistics for training programs and meetings

§ Assist Human Resources division in corresponding with select candidates and talents

§ Monitor and supervise the activities of administrative unit

§ Oversee management of incoming mail to areas and staff within the organization, and dispatch of outgoing mails

§ Performs miscellaneous job-related duties as assigned.

§ Maintain companies’ corporate and legal files in a systematic way

§ Order, stock and ensures distribution of office supplies for the entire organization

Ensures cleanliness and ambience of the entire office.

Minimum Requirements:

B.Sc.in accounting + 3 years experience.
Smart, intelligent with an eye for details
Organizational skills required
Proficient with Oral and written communication

There is an urgent vacancy for Drivers in a company situated in the Lekki Axis of Lagos. The driver should meet the following requirements

• Solid driving experience (not less than 3 years driving in Lagos)

• Possess a Valid driver’s license and a valid LASREM license

• should have knowledge of Lagos roads and Road Traffic Rules

The ideal candidate should be male (married with children is an added advantage) and should be living within Lekki/Ajah and its environs.

Interested candidates should send their CVs to pearlworthcareers@gmail.com with the subject head "FLX - DRV". Vacancy closes at 12 noon today

Are you an entrepreneur? Do you intend to own a trans-generational business built on legal and regulatory compliance, best practices and adept knowledge of Nigerian Business Law?

Then, this course is for you.

The SME Law Clinic® is a specially designed course aimed at educating business owners and entrepreneurs on the laws governing the establishment of their business and growth from being a start-up to a large establishment. The objective of this course is to give you in-depth understanding of Nigerian Business Law, to enable business owners make legally sound and regulatory compliant decisions in the course of day-to-day operations.

Course Objectives

Upon completion of the course, you will:

• Have a clearer understanding of the Nigerian Legal System and the Legislative Capacities of the Government
• Get insight into the principles governing contracts, types of contracts, negotiation and administration of contracts
• Know the best business model, based on the requirements of Nigerian law
• Gain in-depth knowledge of company law principles and corporate governance
• Learn dispute resolution methods and how to handle business-related disputes, to achieve a WIN-WIN situation

Course benefits

• Make authoritative business decisions and obligations using knowledge of Nigerian Business Law
• Network with other business owners in various sectors in Nigeria
• Instant membership of the Pearlworth Business Club
• Discounted training fees for subsequent training

Course Coverage
• The Nigerian Business Environment
• Contracts & Contractual Responsibilities Law
• Corporate Governance Principles
• Regulatory Compliance
• Taxation
• Dispute Resolution and Management

Who Should Attend?
• Business Owners
• Entrepreneurs
• Senior Level Officers
• Intending investors in Nigeria
• Budding Entrepreneurs
• Aspiring Legal & Business Consultants

Date
November 20 – 21, 2014

Course Fee
NGN 80,000 (Eighty Thousand Naira). Course fee includes, training materials, writing materials, tea breaks & lunch.

Early registration attracts a 10% discount. Early registration closes September 30, 2014.

Registration

Kindly send a mail to pearlworthconsultants@gmail.com or call +234-802 218 2555 or +234-807 714 2842

Limited spaces available. Register Now!

One easy way to grow your business is to network with other business owners, share ideas and share business opportunities. Pearlworth, a business growth consulting firm has created an exclusive networking platform for senior managers, business owners and enterpreneurs.

If you are interested in this group, and you are the owner or senior officer an existing company, then send a bbm request to 79BFEBE4 for consideration.

We wish you all the best in your business efforts!

pearlworth: @ All, thank you for your interest in the posted job position. All CVs sent were well received and candidates have been shortlisted. You will be receiving invites shortly.

Please consider this vacancy closed (unless otherwise advised)

We wish you all the best in your endeavours!

The Pearlworth Team

@All, please stop sending CVs for this vacancy. Your applications will not be considered. However, if you are interested in subsequent vacancies, please send your CV to pearlworthcareers@gmail.com, using your course of study as the subject.

fabregas04: pls can one still apply?

Please do not send in an application for this vacancy. However, if you will like to be considered for subsequent vacancies, please send your CV to pearlworthcareers@gmail.com, using your course of study as the subject.

All the best!

olusola009: I got the invite for tomorrow assessment, please can I reschedule

Hello Olusola, i doubt that you can reschedule. The interviews will be held this morning and recommendations will be made to the client today. Its an urgent job posting as successful candidates are expected to resume within the next 2-3 weeks.

E-mail me on your final decision.

@ All, thank you for your interest in the posted job position. All CVs sent were well received and candidates have been shortlisted. You will be receiving invites shortly.

Please consider this vacancy closed (unless otherwise advised)

We wish you all the best in your endeavours!

The Pearlworth Team

benny4wax: Thats a very gud idea.....kudos

Many thanks

Urgent vacancy for Fresh Graduates!

there is a vacancy for customer relations officer in a retail store in Lekki. The preferred candidate should be intelligent with good people and communication skills.

If you are interested in the job opening, send your CV to pearlworthconsultants@gmail.com with subject reference: FLX - CFO

shortlisting closes by 10 pm tonight

One easy way to grow your business is to network with other business owners, share ideas and share business opportunities. Pearlworth, a business growth consulting firm has created an exclusive networking platform for senior managers, business owners and enterpreneurs.

If you are interested in this group, and you are the owner or senior officer an existing company, then send a bbm request to 79BFEBE4 for consideration.

We wish you all the best in your business efforts!

Ebola: Thanks Pearlworth but I don't understand your response. I am saying that I want to register my company and you say I should come and consult with you when I am going into Consultancy myself. I think I do have the Professional Certifications to register if I want to so I'll just follow through anyways.

Thanks though for taking time out to drop a few lines.....and advertise!!!!

What I am trying to say is YOU CANNOT INCORPORATE A COMPANY AT CAC UNLESS YOU ARE A
REGISTERED PROFESSIONAL WITH CAC. You can only register a business name if you are not registered with CAC. I only tried to offer you the service of incorporating your company for you, since we are qualified to incorprate companies at CAC (yes, im a lawyer).

I wish you all the best and feel free to contact me if you need help with the incorporation

Ebola: Hi. I live in Lagos and am currently thinking of starting an IT Consulting company. How do I go about registering and completing the forms for CAC, including the MoA and other info. Must I have shareholders to register? Anyone with suggestions would be highly appreciated.

Hello Ebola, to be candid with you, you will not be able to incorporate the company yourself unless you are a lawyer, an accountant or other professional allowed to register with CAC.

I think you should be focused on getting premium services at the most reasonable rate. We can guarantee you that you will get these services at Pearlworth Consultants. Please send an e-mail to pearlworthconsultants@gmail.com to kick start this process. Incorporating your company with Pearlworth will give you access to many benefits, including start-up support, discounted trainings for entrepreneurs and senior-level executives as well as networking opportunities with other business owners.

Remember, all these will come to you by sending an e-mail to pearlworthconsultants@gmail.com. We wish you all the best in your endeavours.

Are you young? energetic? Do you have a dream and passion for growing and managing your business? Then, this opportunity is for you.

The business management training scheme, is aimed at exposing young and intending entrepreneurs to the art of managing a business. It will include practical training on legal compliance, business management, marketing/sourcing for business opportunities and other aspects of business growth.

The ideal candidate should be:
- Between 22 - 27 years
- A graduate with a minimum CGPA of 2.50
- Quick to learn and proactive
- Intelligent with excellent communication skills

Interested candidates should send their CVs and personal statements to pearlworthconsultants@gmail.com with subject "PWC - BMT" no later than July 10, 2014 at 12.00 hours.

That's just wrong. It just shows that we lack a culture of excellence! How do you present something to your president to unveil, when its not tested?

Anyways, its the same way his aides copied and pasted a report in the papers and made him present a misquoted, factually incorrect speech. SMH

goodnature: Thanks for this opportunity. If I operate an enterprises company, is it compulsory for me to pay tax?

Yes. You will pay tax. Only trustee bodies are exempted from paying tax on their charitable activities.

Let me say prestissimo, that it is visible to the blind that this picture is photoshopped #BadAttemptAtPhotoshopping

@omoharry and rubi96. You have described jumia perfectly. My first stint @ online shopping was with jumia n I hated myself. I had to stylishly return one of their blouses which was so light n substandard (I could use the blouse to sieve pap). To collect my refund was another pain.

It was at that point that I gave up on online shopping

@OP. Businesses are no longer built based on what appears to be popular, but on two things- customer demands and passion.

The former takes priority as you need customers for your biz to grow. Conduct a market research and identify consumer needs.

Your passion is what will sustain you in the business when it takes a nosedive. Its your water in the desert. You need to align what you are passionate about with customer needs to develop a business line.

If they don't align, find one of the customer needs you gave good knowledge about or you can gather information on and work on starting your biz.

On a final note, you need to take life more seriously. From all the things you mentioned above, Itd clear you need to get more focused and you will succeed.

Methinks y'all should port to Etisalat!!! They don't send too many SMSs....

@op.your marriage is still young and at teething stage. You are both still learning about and understanding each other. Just as you are learning to become the husband she needs, she is also learning to be your wife.

Having said that, you need to love her. Love here is an action word and it covers all things. if she's not listening to you, correct her in love and watch her change. She will begin to feel odd if you treat her well and she is misbehaving.

God will help you.... but don't throw in the towel. Shalom.

Ogeam: I am planning incorporating my business but have some difficulty in deciding what type it should be. By profession I am technical and does not have much knowledge in business domain. Please what are the possible business types that can be registered (e.g enterprise, plc, llt, etc) and what are the strengths and disadvantages of each one.

The type of company you register will depend on a lot of factors, majorly the type of business you intend to do and the structure of your business. What kind of business do you want to do?
I started a thread on a similar issue, you may wish to read it

https://www.nairaland.com/1505642/factors-should-seriously-consider-before

AXYZ: While thanking you for yesterday's, I think it's apt i revert.
2. I conveyed to her your advice as regards 'Q7'. She's adamant she wouldnt want the baby to be born outside marriage and that she wouldnt mind to face the resultant mess arising from the plea for divorce.
3. The issue now is that speedy divorce is not guaranteed as you'd professionally advised even after facing the mess.
4. Thank you "De Law"!

Hello AXYZ. Once again, its a pleasure to be of help. Thanks too for your comment on my blog.

She shouldn't forget that it is not only the shame, she will be committing an offence of bigamy. If for any wierd reason,she is prosecuted, can she handle being away from her husband or child? She should also consider this carefully.

Apologies if I sound rash, but I can't comprehend it, if she knew she did not want a child out of wedlock, why did she engage in activities that can result in pregnancy?


She should know, that whatever marriage she does now, unless the first marriage wasn't a 'court marriage', is a nullity and technically, that child will be as good as born out of wedlock.

As an aside, I percieve that something is wrong. Why is she so desperate to get married? Why is she in a hurry? She needs to take a deep breath and ask herself these questions, before she jumps into another marriage hurriedly and start looking for another way out.

hustle101: we have all kind of christmas decorations in stock for your house decoration,office,churches e.t.c at very cheap and affordable prices....We can also decorate for you at a very cheap price....Home delivery also available nationwide.please email me if you want some photos nairaland will not allow me upload. laroma052000@yahoo.com

Hello there. I just sent you an e-mail. please revert