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 Car Talk › Re: LIST OF GOOD AUTO WORKSHOPS IN NIGERIA by sultanemerald(m): 9:16am On Dec 14, 2015 |
Please where can i do diagnostics on the Island? 1 Like |
| Car Talk › Re: Pls How Do I Get A Good/experienced Car Upholstry In Lagos by sultanemerald(m): 3:24pm On Dec 10, 2015 |
how long will the work take for a honda crv? |
| Jobs/Vacancies › Re: Interview Invite From Great Brands Nigeria Limited. Who Are They Please? by sultanemerald(m): 10:21am On Dec 08, 2015 |
Coolis:Please is it just BAT products and red bull they are into? |
| Car Talk › Re: Maintenance Tips For Honda Cars by sultanemerald(m): 11:26am On Nov 10, 2015 |
You've been very helpful. Thank you so much. Please are there any particular codes I should be looking out for? and what could they mean? nas00: |
| Car Talk › Re: Maintenance Tips For Honda Cars by sultanemerald(m): 12:24pm On Nov 07, 2015 |
Ok.Thank you. but also, it fires and doesn't take off immediately what could be the issue? nas00: |
| Car Talk › Re: Maintenance Tips For Honda Cars by sultanemerald(m): 1:45pm On Nov 05, 2015 |
Please, my 2005 crv jerks while accelerating and its about to change into a lower gear and makes a 'kpum"sound. I have had the gear oil topped and it just happened once since then. Also, prior to topping the gear oil it fires without accelerating and then picks. It didn't quite happen this morning while driving to work. But what could be the issue? The road to my house is very stony could it have contributed to this issue? Thank you for responding. |
| Politics › Bayelsa: Alaibe Withdraws From APC Guber Primary by sultanemerald(op): 2:25pm On Sep 30, 2015 |
A former Managing Director of Niger Delta Development Commission (NDDC) and governorship aspirant on the platform of the All Progressives Congress (APC) Mr Timi Alaibe, has withdrawn from the governorship primaries currently ongoing in Yenogoa, the state capital. It will be recalled that the APC cancelled the primaries conducted last week amidst controversies that trailed the exercise, and rescheduled it for Tuesday. It is still ongoing as at the time of filing this report. Alaibe, believed to be a front runner for the party’s ticket, withdrew from the race this morning. Alaibe in a statement issued on Wednesday said the decision to withdraw from the contest was in the interest of the party especially as it faces the task of the common challenge of unseating the PDP in the state come December 5 He said, “It is with all nostalgia that I recall the zeal, enthusiasm and hope with which thousands of Bayelsans made a statement in the direction of change in August, 2015. I can also vividly recall a mental replay of the occasion wherein a qualitative representation of the leadership of our great party, the All Progressives Congress (APC) ushered in respected leaders and members from their then party, Peoples Democratic Party ( PDP) . “That singular event has been phenomenal just as its true meaning and direction have all exuded confidence, unity of purpose, cohesion, collectivism and courage. That day undoubtedly marked the beginning of a people’s journey from hopelessness and squandry as enunciated by the accidental PDP-led government in Bayelsa state to that of quality leadership that an APC government will represent. “As one of such leaders who took that historic decision, I thought of giving a further bite to my burning desire to extricate the state from abysmal leadership failure. Therefore, my aspiration to be governor after series of consultations was to rekindle our collective hope and lift the state beyond its current state of decay under the PDP. “Regardless, I am not oblivious of the fundamental fact that we all need a virile, united, cohesive and collaborative APC to bring about our desires to fruition. Not only do we need this, APC deserves every sacrifice, including personal interests, to arrive at the envisaged destination come February, 2016. “This is more so that both as individual leaders and as a party, the need to avoid a situation of crisis that the PDP might inadvertently reap from cannot be over emphasised. Read also: Bayelsa: 3 govs to conduct fresh APC primaries “As a result, having carefully examined the circumstances that have trailed the Governorship primaries of our great party in Bayelsa state, I have come to the conclusion that pushing my governorship ambition beyond this point carries alongside it some collateral consequences. “Succinctly, two options are available to me. Whereas I am confident that I have the required support of my admirers and supporters as well as the needed backing of Bayelsans to govern them, the hurdles set on the way of this noble project are seemingly temptous and capable of overheating the APC in Bayelsa. “In another vein, the virtuous path to take is that virtuous one in which personal interest are sacrificed for the common good, whether for the APC or the state in general. This is the path I chose in the light of the prevailing circumstances. I therefore withdraw from the governorship primary contest. “This decision is taken in the interest of our party especially as we face the task of the common challenge of unseating the PDP in the state come December 5.” RipplesNigeria …without borders, without fears http://www.ripples.com.ng/19675-2/ |
| Politics › Saraki As Buhari’s Collateral Damage by sultanemerald(op): 12:11pm On Sep 30, 2015 |
Prior to the March 28 presidential election and shortly after it just before the inauguration of President Muhammadu Buhari on May 29, many waited in high expectations and eventually heaved a sigh of relief at what seemed to be a change of unsatisfactory performance by the immediate past administration of President Goodluck Ebele Jonathan in particular and the 16 years of PDP rule at the centre and at various other levels in general. President Muhammadu Buhari was widely acclaimed as the needed and long- awaited messiah to take Nigeria to that utopian state of socio-economic haven and respect for the rights of the citizens coupled with a guarantee of maximum security for everyone. Buhari was packaged as a repentant dictator who is purportedly now in tune with requirements of modern day democracy and the dictates of the rule of law. But just like every package, the true contents unfold only when the lid is lifted. With recent events, the claim of Buhari and his spin doctors that he is now a democrat and no longer that autocratic leader he was as military Head-of-State has failed abysmally. From the wanton harassment of Nigerians by security operatives to the invasion of private and official homes of citizens Gestapo-style and the witch hunt of political opponents for lawful dissent, the real Buhari keeps unfolding every day. It is no longer a secret that since Buhari came to power, he has shown a grave lack of respect for the polity and our delicate realities. He has carried on as if certain people and regions do not either matter or they are not Nigerians. His appointments so far indicate a president who is not only myopic in sight but one who lacks foresight. His claim that he had to appoint those whom he trusted and who had been with him from his days of struggle is socially expedient but politically suicidal and nationalistically murderous. The question is, how did Buhari fare when these loyal apostles of his were with him? Were they able to deliver the presidency to him? if not for his new breed of friends from different parts of the country who teamed up with him not because he was in any way near the class of former president Goodluck Ebele Jonathan but for the very fact that they were all driven by one desperate ambition to have Jonathan leave Aso Rock by all and any means possible, Buhari’s ambition to become Nigeria’s president would have remained an eternal mirage despite his association with those he claimed have been with him for a long time. In the end, such people can only be classified as “local champions” whose influence and loyalty to their principal could not deliver him the presidency until the intervention of powerful forces outside the immediate clique of Mr President. The fact of the matter is, Buhari is one man who does whatever he likes irrespective of what the nation thinks and no matter whose ox is gored. As a man not used to democratic practices and one who is finding it extremely difficult to come to terms with the fact that he cannot govern Nigeria alone as a sole administrator but would require a cabinet to do so, Mr Buhari’s only choice is to create excuses and keep giving them as reasons why he does not have a cabinet four months after inauguration. The formation of a cabinet simply means meetings would have to be conveyed and decisions would have to be reached by means not akin to dictatorial norms. The implication is that some of Buhari’s wishes might meet brick walls before ministers who might knock him out with superior arguments and proposals. He understands how scandalous things can be for him if one or two ministers or more decide to resign because of his high- handedness and incapability to succumb to superior proposals and submissions. For this reason, he might prefer to continue to rule alone. It would have been understandable if things were either working or looking up in the country without ministers, but as it is, things are getting worse by the day. The economic indices are not favourable just as our economic ratings in the international community have dropped drastically. Recently, the Nigeria Labour Congress confirmed that 60,000 of its members lost their jobs in the construction industry alone in the first three months of Buhari’s presidency, other private sector players including banks are regularly laying off workers in their thousands just to survive the negative impacts of an ill-thought out Treasury Single Account policy for MDAs, a policy that is not sustainable in the long run; little wonder some MDAs have already been exempted from it even before take-off. A more stringent and regular audit process for the MDAs would have been a better alternative. This seems to be how Buhari is wired and it is unfortunate that for him to continue running Nigeria like a sole proprietor, Senator Bukola Saraki, president of the Senate of the Federal Republic becomes the victim and the proverbial sacrificial lamb. The game is simple. Buhari seems to detest working with ministers. He would only do so because the constitution compels him to so do. That is widely acknowledged. No one would want to work with mere “noise makers”! Now, to deliberately delay the constitution of a noise making cabinet, the confirming organ, that is the Senate, would have to be destabilized and thrown into confusion. While the confusion in the senate lasts, and fascinated by such intrigues, Nigerians would be pre-occupied with them as Buhari keeps dishing out policies as he likes without a cabinet. This is why there would be more executive-instigated intrigues in the legislature especially the Senate so as to make it look like it is the legislature which is not ready for legislative functions while the executive carries on without checks or balances. The senate would first of all fight for its own survival before considering any requests from the executive including the ministerial list of noise makers. This game plan by the executive may still fail and “noise makers” foisted on the president so soon and against his will. Senator Bukola saraki’s travails are not unconnected with the calculation by the Buhari’s camp to continue to foist anti-democratic and dangerous political experiments on Nigerians while the senate continues in an unending battle for self-preservation. Unfortunately and in all these, Senator Bukola Saraki is the collateral damage! http://www.ripples.com.ng/saraki-as-buharis-collateral-damage/ |
| Politics › Fani Kayode: The Herdsmen From Hell by sultanemerald(op): 11:47am On Sep 30, 2015 |
“Throughout history it has been the inaction of those who could have acted, the indifference of those who should have known better and the silence of the voice of justice when it mattered most that has made it possible for evil to triumph”- His Royal Majesty Haile Selassie 1, Emperor of Ethiopia. If there was ever a time to remember the words of Haile Selassie and speak out against evil this is it. With the abduction of the elder statesman and June 12th struggle hero, Chief Olu Falae, from his home by a group of Fulani herdsmen in south western Nigeria it is time for us to seriously consider the expulsion of all Fulani herdsmen from the southern part of our country. We thank God and commend the efforts of the Inspector-General of the Nigerian police that Chief Falae was returned home safely after a harrowing three days. Given his status in Yoruba land, had this not been so there would have been cataclysmic consequences for the unity of our country. It is because we wish to avoid such a scenario that it is important that we get these marauders and vandals out of our territory as quickly as possible. This is especially so given the fact that, by Falae’s testimony, it is clear that the Fulani herdsmen that abducted him were working hand in hand with Boko Haram. These herdsmen have become the pests of our nation. They are like the east African tsetse fly: wherever they go they suck the life blood out of their hosts and, like the locust, they destroy everything in their path. They are like leeches: they indulge in a parasitic mode of nutrition and they suck the blood of the carcass until their victim is left for dead. Like the Arab supporter of APC, they are only known for the most hideous of things. This includes terror, intimidation, theft, murder, rape, abduction, mutilation, the violation of the rights of others, the destruction of the land and crops of farmers and the destruction of property. Anyone that doubts this should ask the people of the north central zone what they have been suffering in the hands of these vagabonds and vagrants for the last 50 years. This is especially so in Plateau, Benue, Niger, Kwara, Nassarawa, Taraba and Adamawa states. Yet up until 20 years ago this was essentially a northern problem and it did not affect the south. Sadly that has changed. It has now become a national plague that knows no boundaries and whose poison threatens to consume us all. In the last few years the Fulani herdsmen have attacked, ravaged and pillaged many rural communities south of the River Niger and they have slaughtered and raped thousands of innocent people in the south-south, the south-east and the south-western zones of our country. We recall how, after a violent clash between them and some Yoruba farmers in Oyo state in 2000, General Buhari (as he then was) led a strong delegation of northern leaders to see the late Governor of Oyo state, Governor Lam Adeshina. On arrival Buhari put the following question to him: “why are YOUR people killing MY people?” This was a classic case of a Freudian slip. The Bible says ‘’out of the abundance of the heart the mouth speaks’’. The general had spoken his mind. Governor Adeshina was shocked with disbelief and he responded by telling Buhari that he was rather surprised that a former Head of State would refer to one ethnic group as “his’’ people whilst referring to another as someone elses’. He said that this was especially so given the fact that people were killed on both sides of the divide in what was a sad and unfortunate conflict. The insensitivity of Buhari to the Yoruba farmers and their plight in the hands of the Fulani raiders was noted from that moment on. Ever since that conversation took place the lines have been drawn and the south west has been on alert. The abduction of Falae may well have brought things to a head because today virtually every self-respecting Yoruba man is calling for strong resistance to these alien cattle- rearers whose criminal activities have led to nothing but blood, tears and carnage. If the government refuses to stop them then it is very clear that some communities may end up doing so themselves. Yet there is an even more sinister dimension to this problem than most people care to admit. That dimension is best illustrated by the following question. Can there be any truth in the assertion that the Fulani herdsmen are nothing less than the vanguard and covert armed wing of the Fulani ruling class which has managed to infiltrate the south under the ingenious guise of selling cows? Are they sleeper cells of a much bigger army and a much wider cause? Are they, as Falae has suggested, working hand in hand with Boko Haram? If a major conflict were to arise would those sleeper cells be activated and would they commence the wholesale slaughter of the indigenous population in their host states? As painful as it may appear these are questions that we must ask. The fact that the herdsmen demanded for a 100 million naira ransom from Falae speaks volumes. The question is this: what do mere cattle-rearers want with 100 million naira? Even more instructive is the fact that when they were offered 2 million naira they responded by saying that that amount would not be enough for Boko Haram. Given all this it is clear to me that we must begin to look at the wider picture. We must accept the ugly reality that there may be more to all this than meets the eye. This is especially so given the fact that up until the time of writing this piece not one of Falae’s captors has been apprehended by the police and they seem to have vanished into thin air. One wonders what transpired. Were they granted amnesty or are they ghosts? Can there be any truth in the suggestion that there was some kind of official collusion in the abduction? Was it an attempt to put Falae, and by extension the Yoruba, in their place for vigorously supporting the idea of a national conference? Is it an attempt to intimidate those from the south west that opposed President Buhari in the 2015 presidential elections? If so it will not work. Afenifere, the leading socio-cultural group of the south west of which Falae is a leading member, and the Yoruba people generally have a way of rising to the occasion when they are threatened, cheated or persecuted. History proves that. Worthy of note are the words of Dr. Frederick Fasheun and Otunba Gani Adams, both leaders of the Odua Peoples Congress (OPC) in this matter. Only the unwise would ignore their counsel. Another curious twist to the tale is the fact that it took the Buhari administration two days to make any formal announcement on Falae’s abduction and just the day after they finally did so the elder click to read more http://www.ripples.com.ng/the-herdsmen-from-hell/
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| Autos › Re: Free Vin Checks And Reports Sponsored By Auctionexport.com by sultanemerald(m): 7:04am On Sep 30, 2015 |
Export1:Thank you so much |
| Politics › Tompolo’s Contract Intact, Declares NIMASA Boss by sultanemerald(op): 7:01am On Sep 30, 2015 |
Obviously impressed with its performance, acting Director-General, Mr. Haruna Jauro has said that the Nigerian Maritime Administration and Safety Agency’s agreement with militant leader, Mr Government ‘Tompolo’ Ekpemupolo’s company, Global West Vessels Specialist Limited is still intact. The contract which is for an initial 10 years has already ran for three years. Fielding questions from reporters in Abuja on Tuesday, NIMASA’s acting D-G, Jauro confirmed that his agency’s Public Private Partnership arrangement with Mr. Government Ekpemupolo’s Global West Vessels Specialist Limited, for the patrol of Nigeria’s coastline remains intact. Pointing out that the arrangement has effectively driven away sea pirates and made much of Nigeria’s coastline safer for economic activities, Jauro stated that the ships being used for such operations are “presently under the control of Global West Vessels company.” Expatiating, he said “NIMASA did not acquire ships; we have a Public Private Partnership arrangement with the Global West Vessels specialists; part of the agreement is that they are going to buy the platforms (ships), maintain, manage and run them and at the end of the contract, they would revert to NIMASA. “So far, as the arrangement is going on, it is Global West company that is buying the ships, not NIMASA. “Yes, the ships are presently under the control of Global West Vessels company.” He also dismissed insinuations that the arrangement between NIMASA and the company may have eroded the significance of the Navy. According to him: “The arrangement....http://www.ripples.com.ng/tompolos-contract-intact-declares-nimasa-boss/ |
| Business › Re: Stakeholders Seek N50billion Intervention Fund For Steel Sector by sultanemerald(op): 8:20am On Sep 29, 2015 |
politricks:I am telling you. Since everyone is collecting money, they want to focus on the unsuspecting sector and milk it. |
| Autos › Re: Free Vin Checks And Reports by sultanemerald(m): 7:05am On Sep 29, 2015 |
inze:Thank you |
| Politics › UN Insurgency Meeting: Presidency Lied, Says PDP by sultanemerald(op): 7:04am On Sep 29, 2015 |
The Peoples Democratic Party (PDP) has said that the presidency was economical with the truth for its failure to represent Nigeria at a high-level meeting of countries affected by insurgency at the 70th United Nations’ General Assembly. Describing it as an insult to the country and that it amounted to a crass ineptitude on the part of the All Progressives Party (APC) led administration, the PDP said “It is disheartening to note that the same meeting the President Buhari-led delegation shunned actually yielded a fall out of $6.8 million announced by the United States as funding for regional aid efforts.” Addressing Journalists, in Abuja on Monday, the PDP National Publicity Secretary, Olisa Metuh maintained that the presidency lied because the said meeting, which focused on humanitarian crisis, was contained in the official brochure tagged, “High Level Event on the Lake Chad Basin,” stressing that “high level representation from the government of Nigeria” was equally scheduled to make contributions at the meeting. “Further reports indicate that due to the importance of that meeting, it was broadcast on United Nations’ official online television and radio channels, while officials of world bodies have continued to register their disappointment in our country due to the incompetence of the APC-led government. Instead of admitting failure and apologizing to Nigerians, the Presidency sought to hoodwink the public by claiming that the meeting was not one of the official events for which the President and his delegation are in New York”, the PDP spokesman said. The party lamented that while other affected Chad basin countries were fully represented and had fruitful discussions with officials of the world body, “the government of Nigeria, which has the biggest challenge of displaced persons, refused to attend such a meeting”. Metuh, who titled his speech, “The Decline Of Democratic Ideals” also lampooned the President Buhari for calling Ministers noise makers, saying the comment has shown the mindset of the president that he would not attach any value or importance to them when they are eventually appoint. He also maintained that the non- appointment of Ministers since about four months after assuming office was an indication that the president wants to run an authoritarian government. His words: “From his hesitancy and comments, it is deducible that President Buhari never intended to appoint ministers but rather prefers to run a monocracy and evidently does not value or respect those he would nominate as ministers. “Otherwise, how can anyone repackage the mindset of the President when he, in an interview with France 24 Television in France, stated categorically that his preference is to rule without a cabinet and denigrated ministers as ‘noise makers,’ and of no importance or value in the running of an administration?” RipplesNigeria …without borders, without fears http://www.ripples.com.ng/un-insurgency-meeting-presidency-lied-says-pdp/ |
| Autos › Re: Free Vin Checks And Reports Sponsored By Auctionexport.com by sultanemerald(m): 6:47am On Sep 29, 2015 |
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| Autos › Re: Free Vin Checks And Reports by sultanemerald(m): 6:46am On Sep 29, 2015 |
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| Business › Stakeholders Seek N50billion Intervention Fund For Steel Sector by sultanemerald(op): 6:41am On Sep 29, 2015 |
Worried over the dwindling fortunes of the nation’s steel sector, stakeholders have impressed on the government, the need for an intervention fund to turn around the ailing industry. Speaking on behalf of the stakeholders at a public forum in Lagos on Monday, Mr. Uche Iwuamadi, Group Executive Director/Legal Adviser, African Industries Group said the need for intervention fund in the sector has become imperative in view of the legion of challenges operators are grappling with. Iwuamadi who painted a very disturbing picture of the industry, said there have been a high turnover of companies in the sector in recent times as many of the operators have had to close shop due to the stifling operating environment. Specifically, he said: “There used to be over 30 private steel plants producing various steel products in Nigeria with an investment that is well over N100billion since inception but the investment is in danger if nothing meaningful happens soon. As we speak about four of these companies have gone out of business.” About four steel plants have completely shut down and more will follow soon because many are currently operating below 30% of production capacity, he emphasised. “Most of these steel plants are now operating two weeks a month and are closed for the remaining two weeks of the month due to lack of demand. Cost of restarting each time is very high and adds to the cost burden of the ailing steel companies. Steel consumption is largely driven by government initiative on infrastructure projects. “The major area of rescue of the Steel Sector from collapse is for the federal government to make a definite policy of patronising made in Nigeria steel products (iron rods) for all government projects and give specific directive to all their contractors to buy made in Nigeria iron 30% of production capacity. There is complete neglect of the involvement of the players in the steel sector in the formulation of the Nigeria industrial policy. “All over the world, due to importance of steel in the development of the economy, the views and opinions of the key players from steel industry are usually sought and obtained by the government in the formulation of economic policies as being done for the oil or financial sectors. Unfortunately in Nigeria, the steel sector has been left out all these years,” he stated. He is however optimistic that the federal government under the present leadership can reverse the trend for the survival and resuscitation of the steel industry with measures such as creating of a local content policy of using made in Nigeria iron rods in all small and big government projects as well as prevention of dumping of steel products in the country. The federal government, he said, “should also create a special power tariff for the steel industry and make available an intervention fund of N50billion at single digit rate to prevent the immediate collapse of this private steel industry where many are operating below 30 percent capacity and overburdened with high interest costs. Iwuamadi who disclosed that the African Industries Group alone has invested well over N20billion in Nigeria, reiterated the need for government urgent support to ensure the survival of the steel industry, which is the highest employer of labour after agriculture. RipplesNigeria …without borders, without fears http://www.ripples.com.ng/stakeholders-seek-n50billion-intervention-fund-for-steel-sector/ |
| Politics › Bayelsa: Alaibe, Sylva Throw Verbal Punches by sultanemerald(op): 7:54am On Sep 28, 2015 |
Ahead of the rescheduled governor primaries of the All Progressives Congress (APC) in Bayelsa State, the two main candidates in the contest seem to have taken each other on in a pre-contest bout as their supporters are throwing accusations and counter accusations at each other. The supporters of former governor Timipre Sylva, and those of those of former Managing Director of the Niger Delta Development Commission (NDDC) Timi Alaibe have accused each other of being responsible for the crisis in the party in the state, out of desperation to be the party’s candidate. Sylva’s supporters under the aegis of APC Youth Vanguard accused Alaibe of been too desperate for power. In response, Alaibe’s supporters under the leadership of Mr. Friday Dressman, dismissed the claims. They noted that it was Sylva, not Alaibe, who was desperate to return to the Government House after the people of the state had once rejected him. A new twist was added to the debate when another group under the aegis of the Concerned Bayelsans for Good Governance urged the party to disqualify both aspirants from taking part in the rescheduled primary. In a letter addressed to the National Chairman of the APC, Chief John Odigie-Oyegun, by the President and Secretary of the group, Preye Dombraiyefa and Francis Arifagha, respectively, the group said the party would be better served if the two aspirants stepped down. They said, “That Bayelsans earnestly yearn for change, a progressive and productive government but neither Sylva nor Alaibe can engineer the birth of a government as encapsulated in the change mantra of the APC owing to their preference for violence, deceit and endangering the lives and properties of Bayesians.” Meanwhile, National Chairman of All Progressives Congress, APC, Chief John Odigie-Oyegun has summoned an emergency meeting of the National Working Committee, NWC, for today (Monday). It was gathered that the meeting is to brainstorm on the multiple crises rocking it among which is the the management of the party’s success, the power rift between the Vice President Yemi Osinbajo and Governor Nasir el-Rufai of Kaduna State, among others. Also on the table for discussion is the proposed ministerial list, which is expected to be sent to the National Assembly anytime soon by President Muhammadu Buhari. Speaking with journalists yesterday, a top member of the party’s NWC noted that apart from the crisis, the meeting will also dwell on the ministerial list that has put the party against President Buhari, who seems not to be interested in consulting officials of the party in the appointment of the members of the Federal Executive Council, FEC, and the power rift between the former Vice President, Atiku Abubakar, former governor of Osun State, Bisi Akande and the national leader of the party, Bola Tinubu. According to the NWC member, the crisis between the chieftains of APC has stalled the inauguration of the party’s Board of Trustees, BoT, as well as holding of the National Executive Committee, NEC, meeting. http://www.ripples.com.ng/bayelsa-alaibe-sylva-throw-verbal-punches/
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| Investment › How To Overcome Financial Stress by sultanemerald(op): 7:44am On Sep 28, 2015 |
Stress can come from everywhere – career, school, family, relationships, health – and especially money. Psychologists have reported that money remains the number one stressor for 72 percent of the population. In fact, money is the major contributor to stress among other issues. Are you financially stressed? Here are some major signs of financial stress and ways to take action. 1) You wonder if your job is secure. Employers still cut and reassign workers and make occasional adjustments in pay and benefits. If you’ve spotted changes in other departments or news accounts suggest a shift in your industry, start thinking ahead. Action Plan: Build up your emergency fund to cover six months or more of basic living expenses, update your resume and get organised for a potential job search. 2. There’s no money to save or invest. If meeting basic expenses is a struggle and you have no savings or investments at all, it’s time for a serious review of where your money is going. Action plan: Making a basic budget is the first step to tracking every penny spent. Figure out extras you can cut and set more aside for savings and debt payoff. 3. You have disagreements with a spouse or partner about money. A 2013 University of Kansas study noted that arguments about money are the top predictor of divorce. Action plan: Share information about all debt and legal issues and exchange respective credit reports and credit score data as you plan to solve all money problems together. 4. You are paying bills late. Late payments can hurt your credit score action plan: Set up a physical or digital calendar to keep track of payment dates and budget in order to put more money toward debt and eventually savings. 5. You imagine a windfall. Waiting for a bonus, an inheritance or even a winning lotto ticket to ease your financial stress indicates you have a tendency toward financial denial. Action plan: If your current efforts at budgeting, saving money or paying off debt aren’t working, consider a reality check with a qualified financial advisor. 6. You use your home equity like a cash register. Home equity loans or lines of credit can provide an interest-deductible solution for a variety of important needs, but a down housing market can wipe out your equity. Action plan: Either refinance if you qualify or stop using the line entirely until you can pay down the balance. Read also: Ways to ask your boss for a raise 7. You’re considering drawing from retirement funds to solve money problems. Think twice before taking out loans against these funds. Interrupting your retirement planning, particularly over the age of 50, can have significant financial consequences. Action plan: Re-budget your finances and seek qualified advice to help you find another solution. 8. You’re late on student loan payments. It is difficult to have student loans forgiven, cancelled or discharged (eliminated) in bankruptcy if you can’t pay. Paying late can also hurt your credit score. Action Plan: Seek qualified financial advice that specifically addresses the type of student debt you have and resolve to pay bills on time. 9. Your accounts are disorganized. It’s difficult to reach important financial goals when you really can’t track your finances. Action plan: Get some advice from a trusted friend or a qualified financial professional about how to best organize your accounts and whether online account management may be right for you. http://www.ripples.com.ng/how-to-overcome-financial-stress/ |
| Autos › Re: 2008 Model Toyota Camry Xle Used. 08 Toyota Camry Sportz Used by sultanemerald(m): 9:29am On Sep 13, 2015 |
the numbers isnt available. |
| Autos › Re: Clean Registered 2008 Toyota Camry For Sale @1.2mil by sultanemerald(m): 11:45pm On Sep 12, 2015 |
what's the reason for selling please? |
| Autos › Re: Registered 2008 Toyota Camry (leather) Buy And Drive (very Clean) by sultanemerald(m): 10:46am On Sep 11, 2015 |
AutoBen:what's the best price on this? |
| Autos › Re: Registered 2008 Toyota Camry (leather) Buy And Drive (very Clean) by sultanemerald(m): 11:32pm On Sep 10, 2015 |
is it still available? what's your location please? |
| Autos › Re: 2008 Registered Camry Sold by sultanemerald(m): 10:11pm On Sep 10, 2015 |
Dguvnorzlimited: |
| Autos › Re: 2008 Model Toyota Camry Xle Used. 08 Toyota Camry Sportz Used by sultanemerald(m): 11:10pm On Sep 06, 2015 |
do you have 2007 or 2008 Camry Nigerian used? |
| Car Talk › Re: Peugeot: Cars With Attitude! by sultanemerald(m): 9:55am On Sep 04, 2015 |
Ikenna351:Thanks Ikenna, I am looking for an automatic |
| Car Talk › Re: Peugeot: Cars With Attitude! by sultanemerald(m): 4:49pm On Sep 03, 2015 |
Does anyone have a Peugeot 407 for sale in lagos? 2005 model |
| Autos › Re: 2002 Pegeout 407-N1.2million by sultanemerald(m): 4:04pm On Sep 03, 2015 |
more pictures please. whats the reason for selling? |
| Autos › Re: Clean Peugeot 407 For Sale by sultanemerald(m): 3:59pm On Sep 03, 2015 |
is it still available? |
| Autos › Re: Free Vin Checks And Reports by sultanemerald(m): 11:36am On Sep 01, 2015 |
Please kindly help check this VIN: JN8DR07Y41W526573 and send the report to sanctuaryec@yahoo.com Thanks much in advance. God bless. |
| Autos › Re: Free Vin Checks And Reports by sultanemerald(m): 9:54am On Sep 01, 2015 |
inze:thank you boss. saw it you. I will reply the email now |
| Autos › Re: Free Vin Checks And Reports by sultanemerald(m): 12:06am On Aug 31, 2015 |
Please kindly help check this VIN: JN8DR09Y53W813372 and send the report to sanctuaryec@yahoo.com Thanks much in advance. God bless. |
