Hephzibah's Commentary on Today's News: 2015

Tuesday, 22 December 2015

The Budget of Change

2016 Budget Speech: “The Budget of Change”
Delivered By:
His Excellency, Muhammadu Buhari
President, Federal Republic of Nigeria
To
A Joint Session of the National Assembly (on December 22, 2016)
PROTOCOLS
I am honoured and privileged to present the 2016 Budget proposal. This is my first address before this joint session of the National Assembly. I have come here today, not only to address members of the National Assembly, but also to speak directly to the men and women who placed us here.
2. I know the state of our economy is a source of concern for many. This has been further worsened by the unbridled corruption and security challenges we have faced in the last few years. From those who have lost their jobs, to those young people who have never had a job, to the people in the North East whose families and businesses were destroyed by insurgents, this has been a difficult period in our nation’s history, lessons that we must not forget or ignore, as we plan for the future.
3. By June 2014, oil prices averaged $112 per barrel. But as at today, the price is under $39 per barrel. This huge decline is having a painful effect on our economy. Consumption has declined at all levels. In both the private and public sectors, employers have struggled to meet their salary and other employee related obligations. The small business owners and traders have been particularly hard hit by this state of affairs.
4. Fellow Nigerians, the confidence of many might be shaken. However, I stand before you today promising that we will secure our country, rebuild our economy, and make the Federal Republic of Nigeria stronger than it has ever been.
5. The answers to our problems are not beyond us. They exist on our farmlands; our corporations; in the universities in the hearts and minds of our entrepreneurs; through the gallantry of our Armed Forces; and the resolute spirit of Nigerians, especially the youth, who have refused to give up despite all the obstacles confronting them.
6. This Budget proposal, the first by our Government, seeks to stimulate the economy, making it more competitive by focusing on infrastructural development; delivering inclusive growth; and prioritizing the welfare of Nigerians. We believe that this budget, while helping industry, commerce and investment to pick up, will as a matter of urgency, address the immediate problems of youth unemployment and the terrible living conditions of the extremely poor and vulnerable Nigerians.
7. In the medium to longer term, we remain committed to economic diversification through import substitution and export promotion. This will build resilience in our economy. It will guarantee that the problems we have today, will not confront our children and their children. This shall be our legacy for generations to come.
2015: A Year of Global and Domestic Challenges
8. Today, it is widely acknowledged that the global economy has slowed down. This is particularly the case with emerging markets such as Nigeria. However, despite the weak emerging market growth rates, our domestic security challenges, declining oil prices, and the attendant difficulties in providing foreign exchange to meet market demands, the Nigerian economy grew by 2.84% in the third quarter of 2015.
9. We have, and will continue to implement strategies that will maintain macroeconomic stability and manage the oil price shocks we are experiencing.
10. Upon the inauguration of this administration on 29th May 2015, we engaged key stakeholders from various sectors of our economy and interfaced with the heads of Ministries, Departments and Agencies (MDAs) in order to understand the true state of our nation. What we found prompted us to take certain strategic decisions.
11. On the economy, we injected new leadership at the helm of our revenue generating agencies including the Federal Inland Revenue Service (FIRS), Nigerian National Petroleum Corporation (NNPC), Nigerian Communications Commission (NCC), and the Nigerian Customs Service (NCS). We implemented the Treasury Single Account (TSA) which, so far, has provided greater visibility of Government revenues and cash flows. We intervened to support States to navigate their fiscal challenges by restructuring their commercial bank loans and by providing facilities to enable them to pay salary arrears.
12. We have demonstrated a strong will to fight corruption. I am sure you will agree that the sheer scale of corruption and impunity of the past explains in part, the economic challenges we now face. On these initiatives, and the many more to come, we shall not be deterred. We will pursue the recovery of everything that belongs to the people of Nigeria. No matter where it is hidden. No matter how long it will take.
2015 Budget Performance
13. Distinguished and honourable members of the National Assembly, I now present a review of the 2015 Budget. That Budget was based on a benchmark oil price of $53 per barrel, oil production of 2.28 million barrels per day and an exchange rate of N190 to the US$.
14. The projected revenue was N3.45 trillion, with an outlay of N4.49 trillion, implying a deficit of N1.04 trillion. Due largely to under-provisioning by the previous administration for fuel subsidy and the costs required to support the military operations in the North East, the Government had to obtain National Assembly’s approval for a supplementary budget of N575.5 billion. I take this opportunity to thank all members of the National Assembly for the prompt passage of that Bill.
2016: Budget Assumptions
15. After reviewing the trends in the global oil industry, we have set a benchmark price of $38 per barrel and a production estimate of 2.2 million barrels per day for 2016. We have focused on non-oil revenues by broadening our tax base and improving the effectiveness of our revenue collecting agencies.
16. Also, with the full implementation of the Treasury Single Account, we expect significant improvements in the collection and remittance of independent revenues. To further support the drive for increased remittances, we will ensure that all MDAs present their budgets in advance, and remit their operating surpluses as required by section 22 of the Fiscal Responsibility Act.
17. We are determined to ensure that our resources are managed prudently and utilized solely for the public good. To set the proper tone, one of our early decisions was the adoption of a zero based budgeting approach, which ensures that resources are aligned with Government’s priorities and allocated efficiently. This budgeting method, a clear departure from previous budgeting activities, will optimize the impact of public expenditure.
18. In addition to the proper linkage of budgeting to strategic planning, we are enhancing the utilization of the Government Integrated Financial Management Information Systems (GIFMIS) to improve financial management. The recently established Efficiency Unit is working across MDAs to identify and eliminate wasteful spending, duplication and other inefficiencies. We engaged costing experts to scrutinize the 2016 budget proposals. They have already identified certain cost areas that can be centralized for economies to be made.
19. We have directed the extension of the Integrated Personnel Payroll Information System (IPPIS) to all MDAs to reap its full benefits. We will also strengthen the controls over our personnel and pension costs with the imminent introduction of the Continuous Audit Process (CAP). These initiatives will ensure personnel costs are reduced. Our commitment to a lean and cost effective government remains a priority, and the initiatives we are introducing will signal a fundamental change in how Government spends public revenue.
2016: Laying the Foundation for Sustainable Growth
20. The 2016 budget, as outlined, is designed to ensure that we revive our economy, deliver inclusive growth to Nigerians and create a significant number of jobs.
21. We aim to ensure macroeconomic stability by achieving a real GDP growth rate of 4.37% and managing inflation. To achieve this, we will ensure the aligning of fiscal, monetary, trade and industrial policies.
22. As we focus on inclusive growth, we are conscious of the current rate of unemployment and underemployment. This is a challenge we are determined to meet; and this budget is the platform for putting more Nigerians to work. I can assure you that this administration will have a job creation focus in every aspect of the execution of this budget. Nigeria’s job creation drive will be private sector led. We will encourage this by a reduction in tax rates for smaller businesses as well as subsidized funding for priority sectors such as agriculture and solid minerals.
23. As an emergency measure, to address the chronic shortage of teachers in public schools across the country, we also will partner with State and Local Governments to recruit, train and deploy 500,000 unemployed graduates and NCE holders. These graduate teachers will be deployed to primary schools, thereby, enhancing the provision of basic education especially in our rural areas.
24. We also intend to partner with State and Local Governments to provide financial training and loans to market women, traders and artisans, through their cooperative societies. We believe that this segment of our society is not only critical to our plan for growing small businesses, but it is also an important platform to create jobs and provide opportunities for entrepreneurs.
25. Furthermore, through the office of the Vice President, we are working with various development partners to design an implementable and transparent conditional cash transfer program for the poorest and most vulnerable. This program will be implemented in phases. Already, the compilation of registers of the poorest persons is ongoing. In the coming weeks, we will present the full programme, which will include our home-grown public primary school feeding and free education for science, technology and education students in our tertiary institutions. Indeed, this will mark a historic milestone for us as a nation.
The 2016 Budget
26. Distinguished members of the National Assembly, I now present, the 2016 Budget proposals of the Federal Government. Based on the assumptions I presented earlier, we have proposed a budget of N6.08 trillion with a revenue projection of N3.86 trillion resulting in a deficit of N2.22 trillion.
27. The deficit, which is equivalent to 2.16% of Nigeria’s GDP, will take our overall debt profile to 14% of our GDP. This remains well within acceptable fiscal limits. Our deficit will be financed by a combination of domestic borrowing of N984 billion, and foreign borrowing of N900 billion totaling N1.84 trillion. Over the medium term, we expect to increase revenues and reduce overheads, to bring the fiscal deficit down to 1.3% of GDP by 2018.
28. In 2016, oil related revenues are expected to contribute N820 billion. Non-oil revenues, comprising Company Income Tax (CIT), Value Added Tax (VAT), Customs and Excise duties, and Federation Account levies, will contribute N1.45 trillion. Finally, by enforcing strict compliance with the Fiscal Responsibility Act, 2007 and public expenditure reforms in all MDAs, we have projected up to N1.51 trillion from independent revenues.
29. Although we are working to diversify our economy, we will not lose sight of the need to restructure the oil and gas sector which has been marred by corruption and plagued with inefficiencies. Accordingly, I have directed the Petroleum Products Pricing Regulatory Agency (PPPRA) to adjust its pricing template to reflect competitive and market driven components. We believe this can lower input costs and attain efficiency savings that will enable PPPRA to keep the selling price for all marketers of petrol at N87 per liter for now.
30. The current fuel scarcity with long queues at petrol stations all over the country causing social dislocation is very unfortunate. Government profoundly apologizes to Nigerians for this prolonged hardship and misery. It is as a result of market speculators and resistance to change by some stakeholders. Government is working very hard to end these shortages and bring fuel to the pumps all over the country.
31. I have also directed the NNPC to explore alternate funding models that will enable us to honour our obligations in Joint Ventures (JVs) and deep offshore fields. We are confident that these measures can be achieved and will lower the burden that the traditional cash calls have imposed on our budget and cash flows as well as contribute towards shoring up our national reserves.
32. To deliver our development objectives, we have increased the capital expenditure portion of the budget from N557 billion in the 2015 budget to N1.8 trillion, in the 2016 budget. Distinguished and honourable members of the National Assembly, for the first time in many years, capital expenditure will represent 30% of our total budget. In future years we intend to raise the percentage allocation for capital expenditure.
33. This is a fulfillment of our promise to align expenditure to our long-term objectives, and a sign of government’s commitment to sustainable development. This increased capital expenditure commits significant resources to critical sectors such as Works, Power and Housing – N433.4 billion; Transport – N202.0 billion; Special Intervention Programs – N200.0 billion; Defence – N134.6 billion; and Interior – N53.1 billion. These investments in infrastructure and security are meant to support our reforms in the Agriculture, Solid Minerals and other core job creating sectors of our economy.
34. We will invest to safeguard lives and property.
35. We will invest in equipping our farmers with the right tools, technology and techniques.
36. We will invest in empowering and enabling our miners to operate in a safe, secure and humane environment.
37. We will invest in training our youths, through the revival of our technical and vocational institutions, to ensure they are competent enough to seize the opportunities that will arise from this economic revival.
38. Indeed, the future looks bright. And I ask that we all work together to make this vision a reality. The 223% year on year growth in capital expenditure demonstrates our desire to make Nigeria more competitive, and start the journey to deliver sustainable development in our country.
39. In fulfillment of our promise to run a lean government, we have proposed a 9% reduction in non-debt recurrent expenditure, from N2.59 trillion in the 2015 Budget to N2.35 trillion in 2016. Furthermore, we have budgeted N300 billion for Special Intervention Programs, which takes the total amount for non-debt recurrent expenditure to N2.65 trillion.
39. As I mentioned earlier, the Efficiency Unit set up by this Administration together with effective implementation of GIFMIS and IPPIS will drive a reduction of overheads by at least 7%, personnel costs by 8% and other service wide votes by 19%. Distinguished and honourable members, this budget will be executed to provide optimum value by ensuring every naira spent by this Government, counts.
40. We will devote a significant portion of our recurrent expenditure to institutions that provide critical government services. We will spend N369.6 billion in Education; N294.5 billion in Defence; N221.7 billion in Health and N145.3 billion in the Ministry of Interior. This will ensure our teachers, armed forces personnel, doctors, nurses, police men, fire fighters, prison service officers and many more critical service providers are paid competitively and on time.
41. Distinguished and honourable members of the National Assembly, our 2016 borrowings will be principally directed to fund our capital projects. Furthermore, the sum of N113 billion will be set aside for a Sinking Fund towards the retirement of maturing loans; while N1.36 trillion has been provided for foreign and domestic debt service. This calls for prudent management on our part, both of the debt portfolio and the deployment of our hard earned foreign exchange earnings.
42. I am aware of the problems many Nigerians currently have in accessing foreign exchange for their various purposes – from our traders and business operators who rely on imported inputs; to manufacturers needing to import sophisticated equipment and spare parts; to our airlines operators who need foreign exchange to meet their international regulatory obligations; to the financial services sector and capital markets who are key actors in the global arena.
43. These are clearly due to the current inadequacies in the supply of foreign exchange to Nigerians who need it. I am however assured by the Governor of Central Bank that the Bank is currently fine-tuning its foreign exchange management to introduce some flexibility and encourage additional inflow of foreign currency to help ease the pressure.
44. We are carefully assessing our exchange rate regime keeping in mind our willingness to attract foreign investors but at the same time, managing and controlling inflation to level that will not harm the average Nigerians. Nigeria is open for business. But the interest of all Nigerians must be protected. Indeed, tough decisions will have to be made. But this does not necessarily mean increasing the level of pain already being experienced by most Nigerians.
45. So to the investors, business owners and industrialists, we are aware of your pains. To the farmers, traders and entrepreneurs, we also hear you. The status quo cannot continue. The rent seeking will stop. The artificial current demand will end. Our monetary, fiscal and social development policies are aligned.
Conclusion
46. Mr. Senate President, Mr. Speaker, distinguished members of the National Assembly, in spite of the global economic uncertainties; we must remain steadfast in our commitment to steer this country back to greatness.
47. The Nigerian economy needs to move away from dependency on oil. Our growth must be inclusive. Nigerians must be part of the growth story. As a Government, we shall deliver security, jobs and infrastructure. This is the right of all Nigerians.
48. I know many people will say “I have heard this before”. Indeed, trust in Government, due to the abuse and negligence of the past, is at an all-time low. This means we must go back to basics. Our actions will speak for us. My team of dedicated, committed and patriotic Nigerians is well aware of the task ahead and I can assure you that we are taking on the challenge.
49. We will not betray the trust reposed in us.
50. We will welcome and be responsive to your feedback and criticisms.
51. We are here to serve. And indeed, Nigerians will get the service they have longed for and which they rightly deserve.
52. We as a Government cannot do it alone. We will require the support of all civil servants, the organized labour, industry groups, the press and of course, our religious and traditional institutions. This is a call for all of us to stand and serve our country.
53. This Budget represents a major step in delivering a new opportunity for Nigeria. It demonstrates our confident optimism that despite the challenging times, we have the will, resourcefulness and commitment to deliver prosperity to our people. And by the Grace of Almighty God and the sheer will and determination of the Nigerian people, we will come out stronger and more united than ever.
54. Thank you and God bless the Federal Republic of Nigeria.

Monday, 30 November 2015

HCOTN 01122015

Hephzibah's Commentary on Today's News
01/12/2015

1.EFCC probes Special Forces’ training in Belarus, others
Hephzibah: If it is a 'discreet investigation', how come it's public knowledge? I think EFCC should fish out this 'security source' leaking information about 'discreet investigations' to the media. What say ye?

2.Queen Elizabeth, Buhari, 20 govs to attend Ooni’s coronation
Hephzibah: The queen MIGHT be represented so don't hold your breath about seeing the queen in Ife. If Baba can fit it into his schedule, he can stop by in Ife on his way to Sao Tome to grace the occasion. The coronation is on December 7 so if you're in Ife, watch out...

3. Senate raises supplementary budget to N521bn
Hephzibah: Hmmmm. One day, I know God will save us from these subsidy claims sha. I hope it's okay to ask where the additional 108bn Naira will come from since Nigeria is supposedly broke. Please don't respond if your answer will worsen the fuel scarcity. Thanks, lol.

4.Lack of political will hinders corruption cases —CJN
Hephzibah: Erm, how come only the CJN was talking in this 'meeting'? Didn't the Attorney General of the Federation say ANYTHING in this 'meeting'? If so, it was a briefing, not a meeting...Good talk, CJN.

5. Reps suspend Virgin Atlantic probe over litigation
Hephzibah: Hmmm. This life...If I was one of those sacked, I THINK I'll just get another job while the court's indefinite injunction is on. I won't want to work for Virgin Atlantic again if the court's decision is for the sack to be reversed...The compensation may be worth the time spent on litigation, though...

6. Ibeju-Lekki leaders petition Ambode over invasion of villages
Hephzibah: Governor Ambode, please can we know why the New Towns Development Authority is allegedly destroying farmlands and fish ponds of the Ibeju-Lekki folks? Thank you sir.

7. Lagos tackles buildings with inadequate, poor septic tanks
Hephzibah: Good initiative, poor timing (in my opinion). I think the government lacks a moral standing to implement this at this time. A government that is delivering tangible dividends of democracy can do this without criticisms. This government hasn't gained enough moral capital to embark on this for now, in my opinion. I think there are more critical issues to address...

8. Dickson reviews tenure, confident of victory
Hephzibah: Hmmm, watching Bayelsa keenly

9. Firm to build refineries in Lagos, Ondo
Hephzibah: Hmmm, let me go and read more about Greenfield Refinery....

10. Shiroro to get 300 MW Solar Power Plant
Hephzibah: Hmmm. That's cheering news...Watching keenly

11. Private schools battle Lagos council over N100,000 TV permit
Hephzibah: See how Oshodi/Isolo LGA is frustrating legitimate businesses with multiple taxation...

12. Fuludu urges Siasia to work on defence
Hephzibah: "Our team did not play as a unit. They played more as individuals and that really affected their game against the Malians who were more cohesive and confident." Why does that sound like a political party I know? Lol.

I'm still praying for my dear country. I hope you're with me on this?

HOB wishes you a happy new month.

Enjoy your day.

Sunday, 15 November 2015

HCOTN 15112015

Hephzibah's Commentary on Today's News
15/11/2015
1. Fashola, Amaechi, others to earn N485m yearly
Hephzibah: Apparently, they're not working for free. Let's see how the Federal Executive Council will handle the downward review of THEIR entitlements...
2. Ministry cut: Civil servants won't lose jobs, says Buhari
Hephzibah: Waiting to see APC wonder...If I were a civil servant in any of the affected ministries, I'll be making alternative arrangements...
3. Don't accept bribe, Are, Ajimobi advise Shittu
Hephzibah: Hmmm, so are we saying the previous ministers of communication accepted bribes? Hmmmm
4. Paris bloodbath: Nigeria tightens security at airports
Hephzibah: HOB's prayers are with the people of France. I pray that God will comfort them. I come against every plan of the enemy to unleash terror.
5. Pro-Biafra protests, waste of time - Mbaka
Hephzibah: "Locking up your shops and disrupting economic activities will not add any Naira to your pocket. Whatever grievance you have could be resolved through dialogue". Nothing more to add...

6. PDP woos Saraki, Kwankwaso for 2019
Hephzibah: Free advice, PDP, find young people....

7. Oshiomhole, biggest thief in Benin City, says Igbinedion
Hephzibah: *Taking a front row seat* This promises to be more exciting than Telemundo, lol.

8. Ambode to spend N25bn on unemployed Lagosians
Hephzibah: Hmmm, let's see how this goes. I hope Governor Ambode and his team have considered the Nigerian factor ooo.

9. Dogara vs Gbajabiamila: A House divided against itself
Hephzibah: ...cannot stand...And governance takes a back seat. Please, APC, put your HOUSE in order (pun intended).

10. Can Dalong's drum give Nigerian sports (a) new tune?
Hephzibah: Time will tell...

I am earnestly praying for Nigeria and the world really; we can't afford not to pray.

Enjoy your day.

HCOTN 15112015

Sunday, 25 October 2015

HCOTN 25102015

Hephzibah's Commentary on Today's News
25/10/2015

1. Obasanjo escapes death on late wife’s 10th remembrance
Hephzibah: Erm, we bless God. I wonder who will fix the road when the ex-president whose house is assessed by that road didn’t consider it worthy of fixing…Hmmm

2. Pro-Biafra Igbo tear Nigerian passports
Hephzibah: I feel the pain of my Biafran brethren. A country that treats some of her citizens like trash yet refuses to let them go. I don’t want to talk about Pharaoh and Israel. The only question I have for my passport-tearing brethren is that what will they use to identify themselves or travel abroad if they need to while the struggle for the actualization of the sovereign state of Biafra is on? Hmmm

3. NDLEA arrests two more suspects with 89 ATM cards
Hephzibah: I appreciate the vigilance of the NDLEA oooo. I mean what are these people doing with so many ATM cards. The only question in my mind is the correlation between Drug Law enforcement and ATM cards. I haven’t been able to establish the connection. Please, can someone explain it to me in every day language? Thank you.

4. Ambode on depression
Hephzibah: Erm, good talk Governor Ambode. HOWEVER, I hope this is not to prepare us for the lie that Dr. Heista Thomas committed suicide because of depression. That lie has too many holes to fly…#JustSaying

5. Election Tribunal: Okowa, Lalong know fate on Monday
Hephzibah: Dear Punch, when I checked Page 6, I found only Governor Lalong’s story. What’s up with Governor Okowa’s story…Plenty things to say but as I don’t know anyone in DSS, let me ‘shut up’ my mouth…Hmmm

6. Don’t pay Boko Haram for our children’s release – Chibok parents
Hephzibah: Hmmm…Finally, we’ll hear from the parents. Okay o…I also don’t believe BH is sincere so Baba, please listen to the Chibok parents this time. Don’t waste our money. Besides, one of your ‘Change Agents’ told me that one shouldn’t negotiate with terrorists. Please listen to your people, Baba. Tenkiu

7. Nigeria tackles UK over plan to deport 29000 Nigerians
Hephzibah: I think Nigeria’s argument is weak and silly. If there are Nigerians that are living illegally in the UK, they need to be sent back. I’m ashamed to read that Nigeria is telling the UK that they cannot deport Nigerians living ILLEGALLY in the UK who are not medically fit to travel, Then the nonsense about someone who has been living ILLEGALLY in the UK for 30-40 years not having family to be deported to is an utter disgrace…Nigeria…Hmmm

8. ICPC recovers N4bn in six months
Hephzibah: With all these trillion trillion loot we’ve been reading about in the papers, it’s only N4bn that ICPC has recovered, Well, please give me 0.5bn Naira so I can sort out my bills and buy a house in Palm Grove. Tenkiu

9. Federal Character should be removed from constition – Prof. Ibidapo-Obe
Hephzibah: Hmmm…I don’t think it should be totally expunged; I just think it needs to be properly designed to ensure that one section of the nation is not marginalized.

10. Woman with cancer shuns chemotherapy for urine
Hephzibah: Hmmm…Let’s see how it goes for Sam Ravelle of Surrey. I’m kind of hoping it works out because I’m not really a fan of chemotherapy but it’s currently the proven option…Hmmm

11. Industrial consumers get 30% rise in electricity tariff
Hephzibah: I’m reading the story and the figures I’m seeing are as high as 61%. Ikeja DISCO is reducing the tariff to industrial users by 1%. Meanwhile, they’ve refused to give us domestic consumers power. Diarris God o. Apparently, 30% is the average. So, how will this impact the already high cost of production? Is this the only option available? Hmmm….

12. TSA delays salaries of social service workers
Hephzibah: Hmmmm…Someone should please remind me again what the value of this TSA is to the nation…

13. Single mothers stigmatized in Nigeria – Adeola Erogunaiye-Olulana
Hephzibah: Thou speakest truth ma’am.Adeola Erogunaiye-Olulana runs Precious and Pretty Moms. If you’re a single mom, you should look up this lady. I wish you the best.

14. Dad changed nappies, plaited our hair – Benjamin Adekunle’s daughter
Hephzibah: For those that don’t know, Benjamin Adekunle was a war veteran popularly called Black Scorpion…yet he changed nappies and plaited hair…Erm, what’s that your reason for not getting involved in caring for your child, sir?

15. Amuneke slams Eaglets’ display against Croatia
Hephzibah: Remember I already suspected that this bros was already preparing our minds for a loss. Hmmm…

16. Mo Abudu’s film, FIFTY, shot in the arm for Nigeria
Hephzibah: Now I’m going to search for HEAR WORD and FIFTY, make I fit “hear word”

NYSC 2015 Batch ‘B’ Registration at the various orientation camps commences on October 28 and closes by October 29, 2015. I wish all Corps members safe trips to their orientation camps. Stay good and faithful o. No story, abeg.

Have you registered for your BVN? If your answer is NO, oya, kia kia, osiso, maza maza, go and register. Soon, you’ll need to provide your BVN before commenting here, lol. I still need someone to educate us on the benefit of the BVN TO THE CUSTOMER. I hope it’s not going to be like the service providers that have become unbearable after we registered our SIMs. Anyhow, please take some time to register for your BVN this week. After the deadline, BVN will only be issued to new accounts

I am praying for my nation. I hope you are doing the same?

Enjoy your day.

Friday, 23 October 2015

NIGERIAN MARRIAGE ACT REVIEW (5)

Good day. How are you doing? I'll conclude my review of the Nigerian Marriage Act. If you'll like a copy of the Marriage Act I'm reviewing, you can search the Internet or send an email to thechristianwomenstories@gmail,com.

We'll review Sections 49 to the end in this post.

Section 49 establishes that the marriage of a Nigerian to a foreigner outside the country before a marriage officer in his office is considered valid. .

I'll assume that Section 50 clarifies that the marriage officer referred to in Section 49 is a Nigerian diplomatic or consular officer of the rank of Secretary and above.

I'll appreciate it if lawyers can clarify if a Nigerian woman who KNOWINGLY marries a Nigerian man who is currently married to a foreigner, though not before a Nigerian diplomatic or consular officer of the rank of Secretary and above, is liable to imprisonment?

Section 51 clarifies that the marriage officer's office referred to in Section 49 is the office where the marriage officer uses for his diplomatic/consular office...

I'll appreciate a lawyer's help in understanding Sections 52 and 53.

Section 54 introduces the various forms. Section 55 highlights the various repeals.

The Permanent Secretary of the Federal Ministry of Internal Affairs is the Principal Registrar of Marriage.

I'm only sharing highlights. I hope you'll review a copy of the Marriage Act to 1) verify my claims, 2) raise points of discussion and 3) make informed choices. Let me also state that I'm not a lawyer, so if you believe you should seek legal redress, please discuss with a lawyer before you start legal proceedings.

This is the final part of my review of the Nigerian Marriage Act. The preceding parts are on the blog; please review and feel free to ask questions. Thanks for joining me in the review.

Tuesday, 20 October 2015

HCOTN 20102015

1. Court of Appeal Adjourns Judgment On Saraki's Appeal Indefinitely

Hephzibah: Oya now, all those people waiting for Saraki to be dethroned, how market? You berra come and join our KOWA party and strategize for 2019…

2. Buhari drops another ministerial nominee

Hephzibah: All these people cannot make up their minds. Why na?

3. Debunked: Beneath the Lies, Nigerian "Pee Generator" Is Still Pissing Into the Wind

Hephzibah: Chai! So some people want to use our piss to generate electricity…I hope they’ll be picking the piss from toilet seats ooo…Well, kudos to the thinking Naija girls sha…

4. Radio Biafra Director, Nnamdi Released On Bail

Hephzibah: The unresolved question in my mind is this – If our DSS can arrest a man in faraway “Obodo Oyinbo” and quiz him, why are they waiting for December for rains to help them drive out people that are actually killing others in our backyard. The thing is unclear to me. I guess it’s the trauma of the last elections that is making these things hazy, abi….

5. Osinbajo tasks entrepreneurs on graduate unemployment

Hephzibah: “According to him, youths should not wait for government to provide them with employment but should be employment creators.” Yeah, that may have some truth in it but I believe government should provide the conducive environment for businesses to thrive. Government can also use the tax incentives to drive organizations to create employment for her citizens. I’m beginning to get annoyed with the older generation that keep pointing fingers at the youth for the problems Nigeria is facing…Sorry sirs and mas, your generation failed us and we’re trying to rebuild. Hearing you talk about your ‘golden days’ is upsetting but I’m trying to keep my cool. I believe Nigeria’s youth, on the average, need to be commended for surviving in this harsh climate. Of course you can discount the ‘negrators’ and amazing folk that according to MJCE use cheap MTN/Etisalat bundles to come on other people’s posts to teach us grammar. I’m talking about the Nigerian youth that has to find a way to get his/her school fees paid, graduate, find a way to eke out a living, provides his own water, electricity etc. It is upsetting to then read from those that got free education, had many jobs waiting for them when they graduated, lived in company provided accommodations that are close to where they work, didn’t face demonic traffic jams on 3^rd Mainland bridge putting down young people who are only asking government to deliver on their promises. Sorry to vent sir but I’m just trying to speak for my generation here…

6. There’re lapses in Electoral Act –INEC boss

Hephzibah: Adonblivit! So, someone appointed by the APC can agree that the Electoral Act used in bringing this government to power had some lapses? Madam, please can you share some of these lapses?

7. Mobile Money Transaction Value Hits 815bn – CBN

Hephzibah: Chai! Oya na, plese give me only 1 bn. I want to buy my own house in Banana Island ooo…Even a house in Palmgrove is good enough for me…Okay, no vex, I don’t mind Iyana Ipaja…Just give me 1 billion of this money na…E joor

8. Ghana resolves dispute with Nigeria over unpaid gas bill

Hephzibah: So, Ghana is owing N-Gas $170 million? Oya na, N-Gas, come and employ me to help you get your money back na. I’ll charge you only $10 million to recover the debt, lol. Meanwhile, why is N-Gas selling gas to Ghana while we’re looking for gas in Nigeria? Baba, please shook eye in that matter ooo

9. Lawyers Express Concern Over NBA’s Stamp, Seal Policy

Hephzibah: Mr and Ms Lawyer, gaan pay your money joor. We need this policy like ‘kilode’. Other professions already pay such fees. Plix gaan pay. Ees moneythat we use to find money. NBA, please cut out the bureaucracy; it’s not rocket science. Tenkiu.

10. Aisha Buhari Urges Students To Use Education For National Development

Hephzibah: Tenkiu ma, I support and endorse this message. Oya o, my people, the Wife of the President (not to be confused with the First Lady) is advising us ooo. Lizen, lizen…

11. Chile Game Will Be Tough, Amunike Warns Golden Eaglets

Hephzibah: Golden Eaglets, lizen to your head coach o…I hope Mr. Amunike is not using style to warn Nigerians not to expect too much sha…Bros, no fall hand oooo

I hope you're praying for Nigeria; I sure am. Enjoy your day

Tuesday, 13 October 2015

NIGERIAN MARRIAGE ACT REVIEW (4)

Good day. How are you doing? I'll continue with my review of the Nigerian Marriage Act. If you'll like a copy of the Marriage Act I'm reviewing, you can search the Internet or send an email to thechristianwomenstories@gmail,com.
We'll review Sections 33 to 48 in this post. 

According to Section 33, a Statutory Marriage to a person who is married to someone else under customary law is INVALID. Please confirm that the man claiming to have divorced his customary law wife has TRULY done all that is to be done to sever that marriage (there is a punishment for not verifying). 

A statutory marriage is null and void if it wasn't celebrated in the registrar's office or a licensed place of worship (except the marriage license mentions the place you got married). 

A statutory marriage is null and void if one or both parties used a false name (Check that dude's name before you agree to marry him). 

A statutory marriage is null and void if it is celebrated without a registrar's certificate of notice or license. 

A statutory marriage is null and void if it is was celebrated by a person who isn't a recognized minister of a religious denomination or a registrar of marriages. 

While still married under the Marriage Act, a person is incapable of contracting a customary marriage (there is a punishment for trying to do so). 

There are fees to be paid per the Second Schedule; I'll share those later. 

If the parties getting married are too poor to afford the fees, the Minister (of Interior) can reduce or remit the fees. Hephzibah thinks they shouldn't be getting married but I'll love your thoughts on this. 

Anyone that tries to marry someone who has been married under the Marriage Act is liable to imprisonment for 5 years. Anyone that makes false declarations for marriage is liable to imprisonment for 5 years. Anyone that gives false pretence to impediment is liable to imprisonment for 2 years. Anyone that performs a marriage under this Act when he/she isn't qualified to or who performs a marriage under this Act for people who shouldn't have been married under the Act is liable to imprisonment for 5 years. 

Anyone who neglected to transmit a marriage certificate performed by him (or her) is liable to imprisonment for 2 years. Anyone who another person or uses a false name to deceive the other party to the marriage is liable to imprisonment for 5 years. 

Anyone who goes through a marriage that he/she KNOWS is null and void for any reason while the other party believes the marriage is valid is liable to imprisonment for 5 years.

Anyone who attempts to contract a Statutory Marriage when he/she is already married under customary law to anyone other than the customary law partner is liable to imprisonment for 5 years. Anyone who attempts to contract a customary marriage when he/she is already married under the Marriage Act to anyone other than their partner is liable to imprisonment for 5 years. Essentially, this allows a couple to marry under both customary law and the Marriage Act. 

Anyone who marries a minor (under 21 years) without the prescribed consent or anyone who assists such a marriage is liable to imprisonment for 2 years.

I'm only sharing highlights. I hope you do save a copy of the Marriage Act to 1) verify my claims, 2) raise points of discussion and 3) make informed choices. Let me also state that I'm not a lawyer, so if you believe you should seek legal redress, please discuss with a lawyer before you start legal proceedings. 

How is the day going?

Thursday, 8 October 2015

HCOTN 091015

1. Ebola: Calabar hospital quarantines 15 patients •Doctor, nurses under watch •FG sends team to UCTH

Hephzibah: My people, it's time to brace up, unite and kick Ebola out! We've done it before Nigeria; we need to beat this together!

2. No asset forms, no screening, Senate tells ministerial nominees

Hephzibah: Una don hear?

3. Chevening Scholarship removes Diezani from honours list

Hephzibah: How are the mighty fallen! I'll have expected the brains behind Chevening Scholarship to wait till she has been proven guilty, though.

4. Man produces fake dollars, pounds worth millions

Hephzibah: You may want to check the dollars and pounds with you.

5. Buhari rules out second term for Lamorde

Hephzibah: We don hear ooo. I hope there's no back story sha

6. Again, Reps probe failed $470m CCTV projects

Hephzibah: Yet another probe. Please can we progress too as we probe? Sigh!

7. Privatisation of Nigeria’s economy unacceptable –Ayade

Hephzibah: I don't agree ooo. I believe the economy should be run more by private companies and government should be more involved in policy making. Afterall, Nigeria isn't into socialism/communism like that...

8. Biafra comment: Benjamin Adekunle daughter gets death threats

Hephzibah: Who is threatening her? Deep stuff!

9. Ministerial list: Labour Party knocks Buhari for excluding youths

Hephzibah: I concur!

10. LASG to light up Berger-Island road, 67 villages

Hephzibah: In case you're asking, like me, what Governor Ambode is up to...By the way, please why is Mr. Jimi Agbaje silent? We need you to speak from now on sir; waiting till the 11th hour isn't always wise.

Then there's the story of Nigeria beating Congo 2-0 in a friendly match and someone thought that was breaking news...Smh! Issa Hayatou is now the Acting FIFA president (congratulations) and Vincent Enyeama resigned from Super Eagles after a tiff with Coach Sunday Oliseh (The Indiscipline game has started).

I hope you're praying for Nigeria; I sure am. Enjoy your day

Monday, 5 October 2015

NIGERIAN MARRIAGE ACT REVIEW (3)

Good day. How are you doing? I'll continue with my review of the Nigerian Marriage Act. If you'll like a copy of the Marriage Act I'm reviewing, you can search the Internet or send an email to thechristianwomenstories@gmail,com.
We'll review Sections 25 to 32 in this post.

Section 25 discusses the entries to be made in marriage certificate. The relevant details are in Form E (First Schedule of the Act). Section 26 tells us who should sign the marriage certificate (the couple, officiating minister etc). A duplicate of the marriage certificate SHOULD be transmitted to transmitted to the registrar of marriages for the district in which the marriage takes place. If, for one reason or the other, your marriage certificate is missing, be aware that there should be a duplicate in the files of the registrar in the district where you got married.

Section 27 permits a couple to contract a marriage before a registrar. You still need 2 witnesses between 10am and 4pm. It also stipulates the WORDS that the registrar is supposed to say...Hmmm. Section 28 then repeats what Section 26 says except it's the Registrar, not the Minister, doing the formalities. Section 29 addresses marriages celebrated (under license) in places other than places of worship. Section 30 addresses registration of marriage certificates.

Section 31 addresses correction of clerical errors in the marriage certificate. Section 32 gives various "evidences of marriage" - the marriage certificate, the copy filed with the registrar, the entry in the marriage register etc. So, please, if you've lost your marriage certificate, these options SHOULD be admissible in court or even in your visa application (right?).

I'm only sharing highlights. I hope you do save a copy of the Marriage Act (see the files) to 1) verify my claims, 2) raise points of discussion and 3) make informed choices. Let me also state that I'm not a lawyer, so if you believe you should seek legal redress, please discuss with a lawyer before you institute legal proceedings.

So, my people, on this World's Teacher's Day, who's cooking Jollof Rice for Teacher Hephzibah? Lol.

Friday, 2 October 2015

NIGERIAN MARRIAGE ACT REVIEW (2)

Good day How are you doing? I'll continue with my review of the Nigerian Marriage Act. If you'll like a copy of the Marriage Act I'm reviewing, you can search the Internet or send an email to thechristianwomenstories@gmail,com.

We'll review Sections 18 to 24 in this post. Sections 18-20 address "Consent of Marriage in cases necessary". The Act sets the age of consent (for statutory marriage) as 21 for either party. If anyone who is under 21 wants to get married per the Act, the written consent of the father is required. If the father is dead or of an unsound mind or absent from Nigeria, the mother can give her written consent.

Frankly, this is one area I think can be improved on. I think the written consent of either parent of a minor should suffice. However, I won't lose sleep over it as I'm not convinced that anyone under 21 is mature enough to get married. Please feel free to share your thoughts on this point.

Section 19 addresses the case where the person required to give the written consent for the marriage of a minor is unable to write or understand English Language while Section 20 addresses cases where there is no parent or guardian capable of giving written consent for the marriage of a minor.

Section 21 addresses the case of marriage in a licensed place of worship. Any RECOGNISED minister of the church, denomination or body to which such a place of worship belongs and according to the rites or usages of marriage observed in such church, denomination or body, provided the wedding is celebrated between 8am and 6pm in the presence of two or more witnesses besides the officiating minister.

There's quite a lot packed in Section 21. Please ensure the officiating minister is a RECOGNIZED minister of the denomination that should be LICENSED to perform marriage ceremonies. I think you need to be careful with the vows you're exchanging too. If you plan to write your own vows, please make sure it's a regular practice for couples to do so. Don't tweak the church's rites or usages of marriage and end up with an invalid marriage. Ensure your marriage takes place between 8AM and 6PM. Make sure there are AT LEAST 2 other persons apart from the officiating minister (See you don't need 1000 guests, lol).

According to Section 22, a minister is not to celebrate a marriage if he knows of a JUST IMPEDIMENT to such a marriage or if the couple do not deliver to him/her the registrar's certificate or the license issued under Section 13 of the Marriage Act. Any minister who goes ahead to celebrate such a marriage is liable to a jail term but I'm getting ahead of myself.

Section 23 of the Act addresses the building(s) where a minister can celebrate a marriage. The building has to either be licensed by the Minister (of Interior) or stated on the license issued per Section 13 of the Act. If you plan to use a building that has not been licensed by the Minister (of Interior), ensure that the marriage license CLEARLY states the building...

Section 24 applies to Registrars and I guess if you're a registrar, you should already be aware of this Act.

I'm only sharing highlights. I hope you do get yourself a copy of the Marriage Act to 1) verify my claims, 2) raise points of discussion and 3) make informed choices. Let me also state that I'm not a lawyer, so if you believe you should seek legal redress, please discuss with a lawyer before you institute legal proceedings.

Please read through these sections and let's discuss in the comments.

I wish you the best. Enjoy your day.

Thursday, 1 October 2015

NIGERIAN MARRIAGE ACT REVIEW (1)

Good day.

While discussing with some friends, I promised to review the Nigerian Marriage Act and share my thoughts. I'll probably have a couple of posts before this series is concluded. If you'll like a copy of the Marriage Act I'm reviewing, you can search the Internet or send an email to thewomenstories@gmail.com so I can send it to you as an attachment.

Let me ask you some questions - Do you know there is a difference between Customary Marriage, Statutory Marriage and Church Wedding?

If yes, do you know the benefits and demerits of each type of marriage?

Did you know that anyone who KNOWINGLY tries to marry anyone who has been married statutorily (under the Marriage Act) is liable to 5 years imprisonment?

Did you know that anyone who gets married according to the Marriage Act and attempts to marry another person without ending his/her marriage is liable to 5 years imprisonment?

So, am I asking injured parties to begin to sue their partners and their accomplices? No. I'm only saying that the injured parties need to know that they can seek legal redress IF they have satisfied the requirements of the law and have fallen victim, if they choose to.

I'll only share highlights. I hope you get yourself a copy of the Marriage Act to 1) verify my claims, 2) raise points of discussion and 3) make informed choices.

Let me also state that I'm not a lawyer, so if you believe you can seek legal redress, please discuss with a lawyer before you institute legal proceedings.

Section 6 of the Marriage Act addresses places of worship that can be licensed for the celebration of marriage. It states that the "Minister" (of Interior? I'll appreciate some input from lawyers here. Thanks) can license any place of public worship for the celebration of marriage.

It also allows the "Minister" withdraw the license at any time. HE only needs to give notice in the Federal Gazette. So, if you plan on relying on "White Wedding" as your only option, please confirm that the church you're getting married in is licensed for the celebration of marriage. If so, you are eligible for the benefits of Statutory Marriage. If not, you can't seek legal redress under the Marriage Act...

Sections 7-17 deal with "Preliminaries to Marriage". If these conditions are not satisfied, they may invalidate the statutory marriage. In our case, the church guided us on these (thankfully, properly). Please read through these sections and let's discuss in the comments.

I wish you the best. Enjoy your Independence Day. I'll post Part 2 as soon as possible.

NIGERIAN MARRIAGE ACT REVIEW (1)

Good day.

While discussing with some friends, I promised to review the Nigerian Marriage Act and share my thoughts. I'll probably have a couple of posts before this series is concluded. If you'll like a copy of the Marriage Act I'm reviewing, you can search the Internet or send an email to the Christian women stories@gmail.com so I can send it to you as an attachment.

Let me ask you some questions - Do you know there is a difference between Customary Marriage, Statutory Marriage and Church Wedding? If yes, do you know the benefits and demerits of each type of marriage? Did you know that anyone who KNOWINGLY tries to marry anyone who has been married statutorily (under the Marriage Act) is liable to 5 years imprisonment? Did you know that anyone who gets married according to the Marriage Act and attempts to marry another person without ending his/her marriage is liable to 5 years imprisonment?

I'll only share highlights. I hope you get yourself a copy of the Marriage Act to 1) verify my claims, 2) raise points of discussion and 3) make informed choices. Let me also state that I'm not a lawyer, so if you believe you can seek legal redress, please discuss with a lawyer before you institute legal proceedings.

Section 6 of the Marriage Act addresses places of worship that can be licensed for the celebration of marriage. It states that the "Minister" (of Interior? I'll appreciate some input from lawyers here. Thanks) can license any place of public worship for the celebration of marriage. It also allows the "Minister" withdraw the license at any time. HE only needs to give notice in the Federal Gazette. So, if you plan on relying on "White Wedding" as your only option, please confirm that the church you're getting married in is licensed for the celebration of marriage. If so, you are eligible for the benefits of Statutory Marriage. If not, you can't seek legal redress under the Marriage Act...

I wish you the best. Enjoy your Independence Day. I'll post Part 2 as soon as possible.

Thursday, 17 September 2015

HCOTN 170915

1. Buhari to Boko Haram: Release Chibok girls and get amnesty
Hephzibah: Hmmmm, I already suspected that 'Amnesty' would be the final answer...Choi choi, diarris God ooo.

2. Saraki faces false declaration
Hephzibah: I can already punch many holes in the CCB's claims but I'm very interested in fighting corruption, so I'll just shut my mouth. I wonder why theCCB is just talking about his tenure as a governor many years after...Anyway, #SiddonLook activated...

3. No more Naira devaluation - Buhari
Hephzibah: AMENNNNN!!!!!

4. Pastor, other jailed for fertilizer fraud in Ekiti
Hephzibah: I think there is a war against Christianity in the media. The second person is a Mallam but the headline conveniently made that 'other'...Not that I support a pastor committing fraud, though....

5. Bank profits set to fall over TSA.
Hephzibah: Hope that won't affect my dividends and the interest rates oooo. Can someone tell me the REAL value of this TSA?

6. MTN gets N34bn pay-TV license
Hephzibah: So, will that increase or reduce how much I pay for MTN calls? Does that result in a better TV experience for us?

7. Osun begins payment of workers' salaries
Hephzibah: I hope there'll be no more stories this time oooo

8. Crisis brews in PDP over planned reforms
Hephzibah: Seriously? Sigh!

9. Ezekwesili knocks Al-Makura over alleged assault on woman
Hephzibah: I'm just uncomfortable with the hype over assaulting a woman when the lady's brothers were also assaulted. Or is it okay to assault men?

10. Don't drop many players, Fuludu warns Siasia
Hephzibah: "Why? Hephzibah asks Fuludu"...Why shouldn't the coach do what needs to be done to turn his team around....

Please continue to keep our dear country in prayers, God knows we need it desperately. May God bless and preserve the Federal Republic of Nigeria.

Monday, 14 September 2015

HCOTN - 14/09/2015

1. Man, 27, remanded for biting off police officer’s ear
Hephzibah; Kai, I know police officers are amazing but if we all start biting off police officers' ears when they upset us, there'll soon be scarcity of police ears ooo. I hope the guy doesn't have rabies lest it becomes double wahala for .... This one was even allegedly breaking in...IG, please we need to start issuing ear protection to our officers...
...

2. Osun lecturers storm Assembly, protest unpaid salaries
Hephzibah: Hmmmmm. Osun people, I'm sure Ogbeni's tenure will teach you to shine your eyes in the next elections. In the mean time, I pray that God will send you all help ooo...Ogbeni and his Speaker are birds of a father. Hmmmmmmm
3. NCC arrests 35 in Lagos over pirated movies, others
Hephzibah: Say no to piracy. Movie makers, please sell your movies at affordable prices.
4. Buhari: So far, not so good, says Balarabe Musa
Hephzibah: "...the administration of President Muhammadu Buhari is getting it right in the fight against corruption, but not on other aspects of the economy..." I agree with (b) and I don't agree with the bit about the fight against corruption. But hey, what does a "yarinya" like Hephzibah know when elders are talking...Issorait...
I pray this week will usher us into greater and mightier things. May God bless the Federal Republic of Nigeria.

Monday, 31 August 2015

OPPOSITION 101

1. Whatever the party in power is doing, don't try to understand it; just take the opposite position..."Opposit" is in both "opposite" and "opposition", abi?

2. When people in your party are called to give account of their stewardship, just start chanting "WITCH HUNT" without checking if they have a case to answer or not...

3. Politicise EVERYTHING, even matters that have to do with national security or the sovereignty of your nation.

4. If there is an outbreak of a disease that could easily become an epidemic, make sure you milk political gain for your party, however way.

5. In the states/LG where your party is in power, ensure that every time you plant a tree, it is celebrated in the media.

6. Ensure you have a few journalists on your payroll to ensure your party ALWAYS comes out smelling as roses.

7. When you have a congress/convention that is not democratic, find a way to blame the government for formenting trouble in your party.

8. Use new media (blogs, Facebook, Twitter etc) to propagate the unsubstantiated incorruptible stature of your main man and to spread rumours about government policies. If you like, go on air and tell us how the president is THINKING of doing XYZ (When they say it is only witches and wizards that fly on a broom now, you'll be making noise). Feel free to also social media to twist the words of the party in power.

9. Encourage young men and women to insult elected officials who are old enough be their grandfathers/grandmothers but cry FOUL if such treatments are meted out to the ELDERS of your party.

I had a different #9 but after trying to post thrice without success, I guess I need to delete it, lol.

If you think this is what opposition is about, I'm seriously concerned about you. You need Jesus oooo.

If you will remain in the opposition, you need to remember that the focus is building a better nation. This is a satire ooooo. I hope those that believe that all is fair in war and love (and politics) will repent. Propaganda is an ill wind that does NO ONE good.

May the Lord bless and prosper the Federal Republic of Nigeria.