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Home Blog Page 6537

Merry Christmas – Ndubuisi Ekekwe Receives Technology Connoisseur of the Year

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Let me wish everyone a Merry Christmas. Here, it is always a double for me because my best friend and wife, Ifeoma, is also a Christmas special gift. Few hours ago, a special award as the Technology Connoisseur of the Year was delivered to me. Nigeria’s Vice President and a former Group Managing Director of NNPC were some others recognized. I took home the award as the finest technology thought-leader and strategist in Nigeria. Thank you Nation Builders Achievers Awards for recognizing this village boy. This award is dedicated to Ifeoma on this beautiful Christmas day in the finest village in the world – Ovim, Abia State.

Six Things You Should Know When Invited by the Nigerian Police

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If you’re ever invited to a Police establishment, there is every chance that you will be detained no matter how weak or strong the case against you is.

Once you have been asked to write your Statement under caution or not, these are the things you must expect.

False Statement: Most of our Police officers would ordinarily want to dictate or railroad you into writing what they want. Refuse! Write what you know to be the truth in response to the Petition or allegation against you.

You can also ask that you want your lawyer around before you make any Statement. When you’re done with the Statement, your lawyer would ordinarily seek for an amicable resolution of whatever is in issue and that you be granted bail.

Bail is Not Free: Bail is only free on paper & Police officers will ask for some money either stylishly or bluntly. Your lawyer would know how best to go about this. If the Police don’t want to grant you bail for whatever reason, they will get a detention order signed by a senior Police officer to have you detained.

Property Documentation: At the Cell area, you will be asked to remove your belt, wrist watch, chain, shoes and other belongings and have same documented and left with the officers at the counter. You could also leave those with your lawyer or anyone that came with you there.

No Cashless Policy in Jail: The officers at the Counter or Cell area will surely ask for a tip from you and it’s advisable to not go empty handed into the Cell. Once in the Cell, you will introduce yourself to the Presido and other inmates and tell your story of what brought you to the Cell.

They will sympathize with you but immediately let you know of the amount you must pay towards the smooth running and upkeep of the Cell. From the money, they buy toiletries, candle, light bulbs, mosquito coils etc. If you’re ‘lucky’ to be in a big Cell, then you’ll be allocated a bed space. You can buy your own food from the vendors that come around and basically other things you may need.

Vising and Visitors: Visitors will be allowed to see you but not before tipping the officers at the Counter. They must also taste every food they bring in the presence of the officers before handing it over to you.

In Event of Ending Case: From the Police Cell, you will either be granted administrative (Police) bail or you’ll be charged to Court.

Some prefer to settle things at the Police and be at their mercy if you fail to meet up with your undertakings while others prefer to be charged to Court (especially when the case against them is weak), suffer for awhile in perfecting the Court bail & get the Police off their backs forever.

How to Manage the Harsh Harmattan Weather

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It is necessary that we take our hands off the plough every now and then to take care of ourselves, and our homes. We can ignore this during the other seasons of the year, but never during the harmattan.

A lot of people look forward to harmattan but some others see it as their worst time of the year. To those that love it, the weather is dry, they don’t sweat much and everywhere looks neat. On the other hand, those that hate harmattan complain of dusts, dry and scaly skin, cracked lips and so on.

No matter how you look at it, harmattan must come and go every year. Some parts of Nigeria experience it from November to March, while other parts encounter it from December to January. But there are parts of the country that never experienced what this season felt like and their natives marvel whenever they find themselves in places that “enjoy” this weather.

The only way to manage the harmattan season is through abiding by the “rules and regulations” guiding it. The cases of fire accidents, cracked lips, broken heels, dry coughs and others that accompany harmattan can be brought under control if you do the right thing.

Below are ways you can take care of your home and your body during this harmattan season.

Taking Care of Your Home

The major challenges people face in their homes during the harmattan season are fire accidents and dust encroachments. For those that have little children and wooden furniture, you might notice that more broken furniture emerge within this period. Well, here are simple ways you can handle these challenges:

  • Clear bushes around your house. This is done during the rainy season to discourage breeding homes for mosquitoes and snakes. But during the harmattan, it is done to protect the house from fire accidents that may be caused by bush burning. So, don’t wait for “hunters” and “labourers” to put your house in danger; take time to go round your house and clear off every form of plant that may put your home in danger. If the bush happens to be in another compound, contact the owner and get him or her to clear it. Should the owner prove uncooperative, take the matter to the Fire Service, they know what to do.
  • Remove matches, lighters and other kindling out of the reach of children. Remember things easily ignite in this weather, so keep your home safe from within as well. You should also explain to the children why they shouldn’t play with fire now and later. Tell them gory stories about fire incidents which will stick more to their memories.
  • Close your windows. Don’t bother so much about fresh air right now because what you will get more from out there are dust particles. It is better to leave your windows closed (or partially closed), especially during the day, to reduce the quantity of dust and cold dry air that find their way into your house. If you must open them, do so in the night when human activities have reduced and less dusts are raised.
  • Go for heavier curtains. I noticed some people change their window blinds during different seasons of the year. At this time of the year, they go for heavy curtains that can trap in warmth and keep off dust. Maybe you too should try that too.
  • Taking Care of Your Body

Someone said that women suffer more during harmattan than men because women have softer skins that can easily break. I haven’t tested this hypothesis but I believe everyone needs to take care of him or herself during this season.

What most people suffer from at this time of the year include dry cough, scaly skin, cracked lips, cracked nostrils, broken soles and hair loss. A lot of entrepreneurs use this opportunity to rip people off their hard earned money in the name of special creams, soaps and ointments. But the answer to fixing and avoiding all these are right there before you; and they are cheaper to get, if you know how to find them.

Below are some of the ways to stay and look healthy this season:

Wear warm clothes, especially in the night. This will protect you from cold that accompanies harmattan. It will also protect your skin from the harsh dry weather. This is no time to show off your skin, so look for something that will cover you up.

Drink lots of water. You might notice that you are not that thirsty these days. Nevertheless, your body still needs plenty of water. So, continue with your water therapy and keep your system clean and your skin supple.

Use mild soaps. Remember this weather is already dry and harsh. For that, don’t go for soaps that will deplete your skin of the extra moisture and oil that it needs to stay healthy and glossy this season. Go for simple soaps that remove dirt and be weary of “deep cleansers” (cosmetic people don’t be angry with me, please).

Moisturise very well. A lot of creams are on the market promising people of magic they will perform on their skins. Be careful with what is written on labels. You don’t have to break the bank to look supple this season. Forget the very expensive labels that promise you they can make your skin look like Cleopatra’s this harmattan. Most of their producers don’t know what our harmattans are like.

So, here is my suggestion. Use mild soap and ensure that you washed out the soap suds very well. Go for the cream you’ve been using, there’s no need to change it. Only thing here is, add olive oil to your skincare products and you’re good to go. Yes, look for original olive oil and use it together with your cream and scaly skin will be a thing of the past. Some people use Vaseline but I can’t tell how your skin can handle the wax and mineral oil.

Remember to carry a little bottle of moisturiser around because you never can tell when you might need it.

Take care of cracks and broken skins. The soles of your feet are broken, your lips are cracked, even your nostrils have dried out; these shouldn’t be great problems. For your feet, buy a metal foot scraper they sell about #300 and keep it in your bathroom (forget pumice stones during this season). While taking your bath, soap your feet and use the scraper to remove as much dead skin as you can from your feet. Scrub every part of your sole (not just the heels), but be careful so you don’t hurt the soft skins surrounding them. Do this every morning and night and you will wave bye-bye to those cracks within two weeks. Continue with this routine all through the season.

For cracked lips, use Vaseline or olive oil on your lips during the day and before going to bed at night. Never leave your lips unprotected during this season. If you used lipstick during the day, remember to wash it out in the night. And please, avoid cheap harmful cosmetics.

Managing cracked nostrils is not easy, especially with the pains that accompany the cracks. But the easiest way to do this is to maintain some level of humidity in your home and office environment. This is why you need to keep the dry air at bay by closing your windows and using heavier curtains. Some people apply Vaseline into their nostril to help with the dryness, maybe you can try that too. And if the dry air is unbearable that it’s hard breathing it in, try covering your nostril with a nose mask – you can buy one or improvise with your hanky.

Protect your hair. The only way to protect your hair this season is by not combing it. So long as comb passes through your hair during this harmattan, you are bound to experience hair loss. So, go for cornrows, braids, or any other thing that will keep your hair out of the comb’s way until the harmattan is over.

Wear more of shoes than sandals. Apart from keeping the feet warm and moist, it is easier to clean off dust from shoes than from feet.

So keep yourself looking glossy this harmattan and don’t let the harsh weather stand in your way.

The Lagos 4th Mainland Bridge

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Lagos State Government has once again rekindled its intention to provide an alternative to other bridges connecting the Mainland and Island, especially the 3rd mainland bridge – the 4th mainland bridge.

The State Government had weeks ago, advertised expression of interest on the project and subsequently opened the bid to welcome companies that have indicated interest in construction of the bridge. And so far, the expression has recorded the interest of 39 companies.

Lagos State Government has been looking for a way to execute the project using the Public Private Partnership (PPP), due to the cost. The Special Adviser to the Governor on Works and Infrastructure, Aramide Adedoye, said that the government does not have the fund for the project and has to place it under PPP arrangement.

She however acknowledged that the interest has been overwhelming, and the record of 39 companies that have shown their readiness to execute the project through partnership is encouraging. But the process will have to go through six stages before a finalist would be selected, for the sake of transparency.

Some of the companies that have expressed interest in the project are: Julius Berger, China Civil Engineering Construction Corporation, China Jiangxi International Economic and Technical Cooperation Company Limited, Kyeryong Construction Company, Pythgoras Holdings, CRCCCI Nigeria, China State Construction and Engineering Corporation Nigeria Limited, Bua International Limited.

The 4th mainland project was conceived years ago and has been repeatedly hindered by lack of funds. But the Public Private Partnership has opened the way for it to be revisited once again, this time, many companies from around the world are willing to take on the task.

The Lagos State Permanent Secretary, Works and Infrastructure, Olujimi Hutonu, noted that the recent opening started in November.

“The journey started on November 28, 2019 when the advert for expression of interest was placed. Three weeks later, the expression of interest has been opened and made public,” he said.

But the origin of the idea could be traced back to 2003, when Bola Tinubu was the State Governor. The transport activities on the Mainland-Island axis was becoming overwhelming for 3rd Mainland, Eko and Carter bridges, and obviously the need for additional bridge became so crystal clear.

In 2008, NLE’ Works designed the visual concept of the bridge and it was approved by the State Government. The bridge was designed to be a 38k expressway with 140km speed. It’s going to be a two-level bridge. The upper level will function for vehicle traffic while its lower level will serve as pedestrian for social and commercial activities.

The bridge was designed with eight interchanges to enable interconnectivity to many parts of Lagos. According to the plan, the alignment passes through Lekki, Langbasa and Baiyeku towns along the shoreline of the Lagos Lagoon estuaries, running through Igbogbo River Basin and crossing the Lagos lagoon estuaries to Itamaga area of Ikorodu. It further crosses the Itokin road and the Ikorodu-Sagamu road to connect Isawo inward Lagos-Ibadan expressway at Ojodu Berger axis.

The bridge is designed to have a four-lane dual carriageway with each comprising three lanes and two meters hard shoulders on each side. At 38km, it’s going to be the longest bridge in Africa, surpassing the 20.5km 6th October bridge in Egypt.

With this approved plan, former Governor, Akinwunmi Ambode signed a MoU with consortium of firms to finance the construction in May 2016. Some of the firms include Julius Berger Nigeria Plc, Africa Finance Corporation, Visible Asset Limited, Nigerian Westminister Dredging and Marine, J.P. Morgan, Access bank and Hi-tech Consortium Limited. At the cost of N844 billion, Visible Assets Limited was going to be the coordinating firm for the project.

In May 22 2017, Ambode, to many people’s surprise, announced that the State Government has cancelled its MoU with these firms due to the delay in commencement of the work by the concessionaire. The hope for 4th mainland bridge was not heard of until last month when Governor Sanwoolu announced the expression of interest for the project.

While the news brings a sense of relief to Lagosians due to the fact that it will ease the menace of traffic that has become the bane of suffering of commuters, especially those plying the Mainland-Island routes, concern exists about how the concessionaires are going to recover the huge sum the project is going to gulp. Using the Lekki-Epe expressway as an example (where three toll gates were built, and there is always a fight between LCC and road users about increment in toll fees), many are expressing the fear that commuters may be forced to pay more than they are earning to use the bridge.

The Central Bank of Nigeria’s Directive on Transaction Charges

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Godwin Emefiele (CBN governor)

The Central Bank of Nigeria (CBN) has announced downward review of bank charges on consumer services. A statement from the Apex Bank on Sunday explained that the review has become necessary to encourage financial inclusion and ease the burden of arbitrary charges that have been on the shoulders of bank customers for long.

The statement reads:

“In a bid to encourage financial inclusion and to reduce the burden of bank charges on consumers of financial service. CBN has issued a revised Guide to Charges by Banks, Other Financial and Non-Bank Financial institutions in response to the evolution in the financial industry over the last few years. CBN new guide includes, amongst others; downward review of charges for electronic banking transactions.

“Review of other bank charges to align with market developments

and inclusion of new sections on Accountability/Responsibility and a Sanction Regime to directly address instances of excess, unapproved and/or arbitrary charges. The revised Guide to Charges by Banks, Other Financial and Non-Bank Financial Institutions takes effect on January 1, 2020.”

The review affected many of the banks’ charges while others remain the same. Among the items that were reviewed downward is the hardware token that is reduced from N3500 to N2500, for electronic transfers: transactions below N500 incur charge of N10 only, N5,001 – N50, 000 attracts N25, while transactions above N50, 000 is at the charge of N50 only.

While cards linked to current accounts are debit charges free, cards linked to savings accounts attracts maximum of N50 quarterly maintenance fee and N35 after the third withdrawal within the same month.

However, the cashless policy remains unchanged. Individual Cash deposit transactions above N500, 000 still at 2% charge, cash withdrawal above the N500, 000 in the same category is charged at 3%. For corporate bodies, cash deposits above N3,000,000 bears 3% charge and cash withdrawal above N3,000,000 attracts 5% charge.

CBN concluded by sounding a warning of consequences to banks and other financial organizations that flout any of these directives or manipulate the system to exploit consumers.

“Financial Institutions are to note that any breach of the provisions of this Guide carries a

penalty of N 2,000,000 per infraction or as may be determined by the CBN from time to

time.

  1. Where a bank is found to have wrongfully imposed a particular charge on its customers,

the provision of Section (i) above shall apply for the charge on each customer.

iii. Failure to comply with CBNâ??s directive in respect of any infraction shall attract a further

penalty of N2,000,000 daily until the directive is complied with or as may be determined

by the CBN from time to time.

  1. Banks are required to log every complaint received from their customers into the

Consumer Complaints Management System (CCMS) and must generate a unique

reference code for each complaint lodged, which must be given to the customer. Failure

to log and provide the code to the customer amounts to a breach and is sanctionable

with a penalty of N1,000,000 per breach.

  1. A penalty of N100,000 shall be imposed on a financial institution that contravenes the

provisions of Part 6C.”

For long, Nigerians have been crying over the number of charges imposed on banks’ transactions, from ATM withdrawal to card maintenance to USSD fees.

It appears the outcry instigated the recent changes in the directive of the Apex Bank. While this is a welcome development, it is not enough to put the outcry to permanent rest.

Moreover, Nigerian banks are notorious for breaking rules as long as they serve for their gains. Although CBN also stipulated there would be consequences in case the rules are broken, affecting the punishment is always the challenge.

The Apex Bank did not provide a window for consumer complaints, which always creates the impunity that the banks bask on to impose their arbitrary charges. And consumers watch helplessly as their hard earned money get swayed. For instance, the proposed fine of N10, 000 for failed ATM transactions that are not reversed within 24 hours has not stopped people from losing their money to the banks therefore. And apart from calling their banks to reverse the fund, many don’t know how else to recover it.

So, the Regulator should provide a complaint unit that will handle cases of disregard of its directives and render justice to aggrieved customers. It only takes that, and the banks will sit up.