₦airaland Forum

36STATES: If any of you writing these things here had lost money in the stock market crash of 2008 you would have known that Soludo was a disaster. Solude is a big time crook and doesn't have the qualification and the uprightness to run a sensitive institution like CBN. Sanusi is the best thing that happened to the central bank ever. Though a lot of corruption is still going on there, but that is a discussion for another day. Soludo was 100% aware of all the thieving happening in the banks by people like Mrs Ibru of Oceanic, Erastus Akingbole of GTB etc. OBJ, Soludo and Ndi Onyiuke was real axis of evil for investors in Nigeria when they were heading there respective offices.

Erastus Akingbole (sic) of GTB? Hmmm

Sigoal: I tink you ar 4rm northern part of d country.

ℓ☺ℓ I'm a yoruba boy that dreams of a great Nigeria where merit is exalted

Are you sure of this? Sanusi Lamido Sanusi was MD of First Bank Nigeria before he was made CBN governor. He's a seasoned banker. This single error discredits your post.

In 1985 Sanusi joined Icon Limited (Merchant Bankers), a subsidiary of Morgan Guaranty Trust Bank of New York, and Baring Brothers of London. He moved to the United Bank for Africa in 1997 in the Credit and Risk Management Division, rising to the position of a General Manager. In September 2005, he joined the Board of First Bank of Nigeria as an Executive Director in charge of Risk and Management Control, and was appointed Group Managing Director (CEO) in January 2009. He was also the Chairman, Kakawa Discount House and sat on the Board of FBN Bank (UK) Limited.[1] Sanusi is recognized in the banking industry for his contribution towards developing a Risk Management culture in the Nigerian banking sector.[5] First Bank is Nigeria's oldest bank and one of the biggest financial institutions in Africa.[6] Sanusi was the first Northerner to be appointed CEO in First Bank's history of more than a century.[7]

http://en.m.wikipedia.org/wiki/Sanusi_Lamido_Sanusi

It shows you're trying to imply a particular section of the country do not merit what they get.

Why don't you look for more positive things to write about. Even if you want to dwell on our differences, highlight the positive aspects also.

I guess calorie is a measure of energy. Unused energy in the body is converted and stored as fat.

My 10 kobo

Some times it's switched off from their office, other times it's due to a fault which causes a protective fuse to cut or damged wires.

Go with whateva document you can get. All that is listed doesn't seem necessary since its a personal shipment. By the way, how many units of laptop did you order, I assume its just one.

You for try list things wey dem talk say make you bring so boys go see how dem fit help you.

Also, whenever you are going there, I'd advise you get a lawyer to tag along. I suspect they'll try to bully you. All the best bro.

Letshavefun: lolzz...you're the boss!

Boss sha? Just my own 10kobo.

Please help discourage others from commiting the same blunder too (this includes using IJN in place of in Jesus' Name).

Letshavefun: No means of measure can define His limitless love.
He's enduringly strong,
He's entirely sincere,
He's eternally steadfast,
He's immortally graceful,
He's imperially powerful,
He's impartially merciful,
DO YOU KNOW HIM?
He's the greatest phenomenon that has ever crossed the horizon of this world,
He's God's son,
He's the sinner's saviour,
He's the centrepiece of civilization,
He's unparalleled,
He's unprecedented,
He is the loftiest idea in literature,
He's the highest personality in philosophy,
He's the fundamental doctrine of theology,
He's the only one qualified to be an all sufficient saviour,
I WONDER IF YOU KNOW HIM?
He supplies strength to the weak,
He's available for the tempted and the tried,
He sympathizes and He saves,
He strengthens and sustains,
He guards and He guides,
He heals the sick,
He cleansed the lepers,
He forgives sinners,
He discharges debtors,
He delivers the captives,
He defends the feeble,
He blesses the young,
He serves the unfortunate,
He regards the aged,
He rewards the diligent,
He beautifies the meek,
I WONDER IF YOU KNOW HIM?
He's the key to knowledge,
He's the well spring of wisdom,
He's the doorway of deliverance,
He's the pathway of peace,
He's the roadway of righteousness,
He's the highway of holiness,
He's the gateway of glory,
DO YOU KNOW HIM?
His life is matchless,
His goodness is limitless,
His mercy is everlasting,
His love never changes,
His word is enough,
His grace is sufficient!
HE IS JESUS THE SAVIOUR OF THE WORLD!!! Merry xmas Nairalanders!!

Are you sure you know him? If you really do, you would not replace the Christ in christmas with an X.

I think they are for real, they seem to recruit for the telecom/IT industry.

It's called the Miranda rights.
http://en.m.wikipedia.org/wiki/Miranda_warning

It is used in the USA but I don't know how it applies in Nigeria. A lawyer in the house can shed more light on this.

Bola Tinubu was born in 1952 and Remi Tinubu was born in 1960, if that picture was taken in 1967...... Hmmmmmm

Dude, i don respect your analysis finish before i see say you lift am from http://www.bbc.co.uk/sport/0/football/24792962
Make you try dey acknowledge your sources.

Smells like a scam.

Once you give away your recharge pin, somebody somewhere gets it and loads it...

Beware!!!

kclub83: Pls i receive a mail in my inbox to attend am interview with addax petroleum on 9th but think it could be a scam coz i did nt do any test with them and was ask to bring ref letters, certs and hse certificate or spring online certification and was asked to do d online spring certificate if i do not have the hse cert but on checking the spring online web given.i was ask to buy e pin. Pls who else got dis mesg? Pls is dis a scam? Just confused

SCAM!!!!!!!!!!!!

Run far!!!!

Once you buy the pin and you provide it to them, your money don enter voice mail. The pin gives them access to the money. A friend fell for this 2yrs ago.

I've been thinking of creating a thread about the ways the pension managers steals people's hard earned monies for 35 yrs, under the sun and in the rain.

* Once it is time to get your gratuity, you will have to bribe your way through.
One annoying part is that, somebody who's supposed to take home #5million as his/her gratuity will end up getting #2.5million.

I have had an experience with one of these PFAs, service was superb. Problem is most people do not know what the pension act stipulates

If you ask them, they will tell you that they are to keep the other half with which they will put to good use to make gains, from which they will be paying one's pension for 15 yrs.

The essence of the pension fund is so that you have an income after you are retired. The law stipulates that half of total contribution should be given as a lump sum. The other half will be pad in equal installments over a specified period or transferred to ann insurance company who pays you for life.

Another disgusting part is that, they will slash people's supposed pension into three halves, i.e if you used to get 60k as a salary before retirement, you'd be getting 19k as pension for the rest 15yrs. Tell me how you can manage or adjust.

It's pure mathematics, you cant save 30 naira and expect to get 100 naira. If you're concerned about what you get as pension, ensure your employer deducts the appropriate amount from your salary and also contribute their part too. You are allowed to make voluntary contributions to your pension fund too. You truly cant have your cake and eat it. These days, in order to up an employee's take home pay abracadabras are done, one of these ways is to reduce your pension contribution. What most employees do not know is that it pays employers to do that because it reduces their liabilities while the maga employee is happy cos the take home pay is slightly higher.

They don't tell you or give you details on the amount of gains they make from ur money, they will only pay you a specified amount of money no matter how much gain they make from ur money with them.

They are mandated to give you regular reports on your account.

And finally, after 15yrs, they return the other half to you and that's the end of you getting any money from them or the government.

You have an option of taking up an annuity plan with any insurance company which pays you for life, though the monthly pay will be lesser
NB: you don't get any other benefit or allowance

Check this thread out. https://www.nairaland.com/1489204/how-pension-managers-cheating-nigerians

Azwealth: HOW PENSION MANAGERS ARE CHEATING NIGERIANS

Nigerians need to wake from their slumber. This is necessary in respect to the issue of pension managers who collect forms on behalf of workers with the promise of a better retirement.

These pension funds are usually deducted from the workers salary but usually hard to collect when it is needed or at the retirement age. These pension managers request for many documents and lay down difficult processes before releasing the money to the owners.

It is usually even worse when the worker is dead and his next of kin wants to collect the money. He has to go through tedious processes and peradventure he scales through, there is still one obstacle to stop him-"THE ADMINISTRATIVE DOCUMENT". This is usually issued by the court of law and may take a year to get or even more.


What's even worse? The so-called lawyers will demand for 25% of the money to be collected and some other court officials will request for bribe to process the document faster. Before you know it, you have spent more than you are expecting.

Take for example, a colleague of mine who has #245000 with one of these pension managers died recently. As expected, his next of kin decided to claim his entitlement but was faced with series of obstacles which stopped him.

The most painful aspect is that when this funds are deducted, there are usually no clauses but when it's time to get your money, these clauses are their to stop you. The government should please intervene in this matter because this is a means used by the rich to cheat the poor masses.

This is a wake-up call to all workers to ensure that their years of labour do not end in vain.

@op i beg to say you are wrong. I have a relative that retired november 2012 and by february 2012, the pension was coming in. During this period, i was exposed to the processes involved.

A lot of documentation was involved though but its just for verification. Bottom line is that half of your pension savings is given as a lump sum and the remaining is paid monthly in equal installments for an agreed amount of years. If one dies before the said number of years, the rest of the money is paid to the next of kin. If one outlives the number of years, the payment stops after the agreed number of years.

Alternatevely, the pension company transfers your contributions to an insurance company which does basically same thing above except that your monthly payment is slightly reduced and they keep paying you till you pass on.

The LETTER OF ADMINISTRATION is a legal thing and is usually required to absolve the payers of liabilities. A shortcut is to educate your loved ones to prepare a valid will stating all these things clearly.

Adabar: Hello nairalander,
Kindly read the story below and give me your honest advic as it relates to tenancy law in lagos so I can make an informed decision. Comments are welcomed from all and sundry especially the lawyers and property experts in the house.
At the expiration of my rent on may 2o13, my landlord verbally informed me of his desire to repossess the 2 bdroom hitherto in my possession. He gave me 6 months to look for a place.
Fast forward to now; I finally got a place after combing the neighbourhood and told the landlord so. To my surprise, the landlord told me that I wld have to balance him the window period of 5mts I was given to look 4 a place and the truth of the matter is that I am low on fund as I v just paid for the new apartment. How true is this assertion frm my landlord?

Truth is that you owe him for the extra time you stayed in the house. In actual fact, he could not have legally evicted you from the said property except he had given you at least a 6 month notice that expires whenever your rent expires. This means that since your rent expired in may 2013, he should have given you a notice not later than december 2012. Since he missed that window he had till december 2013 to give you a notice that will expire in may 2014. Since you have moved out of the apartment you have to pay him for the extra months.

I hope this is helpful.

Take advantage of the situation to teach him about money. Make him earn money to buy some of the extra stuffs he wants you to buy for him.

Check this thread out for useful tips.

https://www.nairaland.com/1311145/website-been-hacked.

You can get it in any pharmacy/chemist in lagos

Do you think it was referring to islam just cos it mentioned them facing east... I'm sure muslims in the far east face west when praying.

They have an ongoing promo where you can get a nokia lumia phone for abt 23k and 10k worth of gOodies.

[quote author=myners007 ]im supremely confident that many Nigerian graduates will accept such amount at the expense of their certificate. A right thinking graduate with his wealth of academic knowledge should make a good fortune out of such amount.In Nigeria where thugs are turning millionaires overnight, what actually can one certificate fetch one. pls be honest with ur opinion[/quote]A lot of Nigerians need their certificates to get jobs. Some of us have the knowledge and do not need the paper certificate to show it. So with $5m, entrepreneurship kicks in.

[img][/img]For the pips who wonder why some of us think GEJ is clueless, check this out.

While its an applaudable move to encourage car manufacturers to set up assembly plants in the country, I think the ban on tokunbo should come after these plants are up and running.

Now that the ban came first, the cost of these new cars won't be competitive.

speedyboi: BTW, that's Transcorp Hilton.....not Nicon Luxury

Dude, it used to be called Nicon Noga Hilton Hotel

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What you have defined above is a PONZI SCHEME. What happens to the the extra N200 from the N500 paid by the referals? Administrative Fees? I hope nobody falls for this sha

[quote author=myners007 ]consider the pains,time and finance it takes to acquire a university degree.If after somes years of graduation you find it difficult to secure a good job, then someone out of the blue comes to give you 5m to start life with the condition of you destroying all the certificatres you have laboured all your life for. what would you do? To accept or to reject the offer.[/quote]For that amount of money, I'll destroy the photocopies... For $5m, I will

Sagamite: Rubbish!

He should have at least been fined very heavily.

He is a racist

IMO, what went on between the two coaches was personal... Saintflet dey vex say na Keshi collect him job as Super Eagles' coach

I guess the general meaning of these responses is that the respondent does not particularly like these situations but choose not to complain. In other cases the respondents chooses to be modest with success.

In summary, we have a society that tries to be modest with complaints or success

Risky005: Worked for me no more pc hanging

I doubt if the OS would boot up after this... Goodluck.

solhenawo: Hello guys, I have noticed that the telecoms company in this country are not behaving responsibly. You can imagine giving your number ( unused phone number for six months) out to another person even when the number is registered with your details. It could happen that one is out of the country for more than 6 months. I think this trend should stop; once a number is registered with someone's details, it should be the person's forever.

Thats standard for prepaid lines. Roam your line when ur outta thd country.