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Galantjoe's Posts 576e

Galantjoe's Posts

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galantjoe(m): 10:30pm On Oct 30, 2024
Am here looking for someone like you to marry

Na holy jam.
galantjoe(m): 10:06pm On Oct 30, 2024
Let your mom allow their daddies take those children. He may decide to keep only one.

The truth is that these men may be waiting for right time to strike with court order backed with DNA paternity test. All your suffering and savings will be gone.

Advice your mom to return 2 children to their fathers.
Igbo proverb used to it is not good to wash one's hand in order to crack palm kernel nut for chicken.

Be wise man and choose your fight wisely

1 Like

galantjoe(m): 9:53pm On Oct 30, 2024
Postulations may be correct. But know that Wicked gets his own men too. It is not only Simcard gets men.

What I foresee is suffering of innocent civil servants of the state and indirect effects on economic activities in the state.

However Lagos and Rivers are only states that can survive without FAAC funds. So Rivers may not find it difficult
galantjoe(m): 9:45pm On Oct 30, 2024
Hello travellers, I want to travel to Kano from Onitsha Anambra State by road.

Please which transporter is a good choice. And safer routes.
Thank you while waiting for your reply
galantjoe(m): 9:09pm On Oct 30, 2024
Ajalli is in Anambra State not Enugu State

Humphrey nwosu was a great and erudite icon

1 Like

galantjoe(m): 8:53pm On Oct 30, 2024
galantjoe(m): 10:40pm On Oct 29, 2024
Moshybear:
I already have very good culinary skills and I also plan events just that since my last job in January this year, I have not seen any other job. I have just been surviving by God's Grace. I understand all you have said and it is very well noted 🙂

You have good skill. Congratulations for that. However you need to have some funds to establish a kind of restaurant or mĂ nĂ  put t where you can be getting daily income while waiting for catering job. Also having one source of income in this harsh economy is suicidal. You need to diversify your income base in order to remain afloat at all time. I will teach you online business, advert, etc. You can promote your catering business online.

I just feel to help., am also adventurer, ant and consultant.. feel free to relate with me.
galantjoe(m): 9:49pm On Oct 29, 2024
Moshybear:
friends with benefits you say

Yes you will benefit a lot. Like you will be empowered to be independent, self employed and self reliant. As you know giving you fish every day won't solve your problem, you need to know how to fish so what you need is empowerment to become self reliant and independent.
galantjoe(m): 9:28pm On Oct 29, 2024
Ukwu nwanyị Owerri
I would like to help if we can be friend with benefits. I am in Anambra State. If you accept my offer call or WhatsApp me on 07067294966
galantjoe(m): 9:15pm On Oct 29, 2024
They will reject derivation based distribution of VAT because 50% of VAT came from acholic beverages which their religion prohibit.

Yet receive tax on illicit business.morality has gone back to God
galantjoe(m): 4:51am On Oct 29, 2024
Love800:
You tried.

My last question. You mentioned "contributory pension scheme" which is a type of pension. So do we have other types of pension?

And i want to really understand something. Is it the government that will pay back this pension money to the PFA, so that them(PFA) can start paying me back my money or will my money always be there and i can request when they can start paying me.
And i thought that this is an individual contribution and not through my company.
We have 2 types of pension scheme 1. Non contributory pension (undefined pension) scheme. Here govt or employer make provision for pension payment in every month. There is no funds set aside for paying pensioners. This is what Nigeria was practicing S was introduce in 2004. 2. contributory pension (defined pension) scheme. Here employer and employee contribute fund set aside and save in retirement savings (RSA) during the active life of employees. This fund is neither employer nor govt money but it belongs to employee's. Employee can access his or her money anytime under 3 ways which I have mentioned before.


You second question is that the pension fund is not govt funds or Assets but individual employees or retirees under the S scheme.. however pencom as a govt agency is a regulator. So if you want to make any withdrawal pencom must approve it before your PFA can pay you.
galantjoe(m): 3:37pm On Oct 28, 2024
Hello travellers, I want to travel to Kano from Onitsha Anambra State by road.

Please which transporter is a good choice. And safer routes.
Thank you while waiting for your reply
galantjoe(m): 3:30pm On Oct 28, 2024
Hello op, I want to travel to Kano from Onitsha Anambra State

Please which transporter is a good choice
Thank you while waiting for your reply
galantjoe(m): 12:54pm On Oct 28, 2024
Love800:
Which banks can one with?

Will the bank still use ur pension to invest and later pay you? I mean the way they normally do it in the normal civil service way.

Is it the government that will still pay it into the PFA ?

After retirement, is it mothly you will be receiving your pension money?

You can visit the website of FCMB Pension Ltd for details

However everything about contributory pension scheme (S) the type of pension scheme we re talking about is between 3 institutions - pension fund (PFA), pension fund custodian (PFC) and national pension commission (pencom). PFA is a company licensed by pencom to operate as PFA. Their job is to a contributor, receive schedule of contribution, receive documentation for contributors benefits, etc. They deal with a contributor directly. Example of PFA is FCMB Pension Ltd, Access Pension Ltd, etc. any inquiry should be directed to PFA of your choice.

PFC is a company licensed by pencom to provide custodianship of your pension contribution. That is their job is to receive your pension contribution and manage on behalf of you with advice of your PFA. Example of PFC is ,First pension Custodian Ltd. This is to ensure safety of your fund whenever you need it or when you retire.

Third party is pencom. Pension is a govt agency that regulate PFC and PFA.

How Contributory pension scheme works. Your employer will contribute 10% while employee will pay 8% of employee'monthly salary. This money so contributed will be invested where it earns interest far more than savings in banks. You can withdraw from your pension fund under 3 ways
1. 25% of your pension fund if your current job is terminated or you resigned but unable to get another job after 4 months.
2. 25% of your pension fund can be withdrawn for mortgage finance ( to acquire land or landed property)
3. Upon reaching 50 years old or more, you apply for your statutory retirement where 50% will be paid your in lump sum while balance will be paying to you as monthly pension.

We have what is called compulsory and voluntary contribution. Compulsory is contribution gotten from employer and employee while voluntary contribution is where employee which to make additional contribution apart his compulsory one. You can withdraw your voluntary contribution any time you wish.

I think this Information will guide you to understand S better.

Thank you

2 Likes

galantjoe(m): 9:52am On Oct 28, 2024
Love800:
"Micro pension scheme". Is like this one is different from the normal civil servant pension. Am i correct?

Yes.
Micro Pension guarantees a secured future through steady income at retirement. It reduces old age poverty and the process is easy, simple and flexible. Under the Micro Pension Plan, all Self-employed persons, Associations, Unions, Cooperatives and Trades as well as the Professionals are covered and can participate in the scheme.

https://www.fcmbpensions.com/micropension#:~:text=Micro%20Pension%20guarantees%20a%20secured,can%20participate%20in%20the%20scheme.
galantjoe(m): 4:41pm On Oct 27, 2024
Love800:
Can a private worker open retirement savings ?

Yes. You can key in under micro pension scheme.

any Pension Fund like FCMB Pension Ltd, Access Pension, Fidelity pension, Trustfund pension, etc

You can see their via their website

1 Like

galantjoe(m): 2:20pm On Oct 27, 2024
Easybet1:
I have a pension that my company paid my monthly pension allowance to. Is it possible for me to pay to that by myself?? If yes, how to do that please

Yes. You can only pay your contribution through company you work. However you can still be paying your pension contribution through your former company name. Just know the pension custodian acct no and pay your contribution to the acct using your pension PIN. You can contribution it as voluntary contribution.

Alternatively you can contribute using any company just use your company RC number as your company number

1 Like

galantjoe(m): 2:12am On Oct 27, 2024
The op has shot first gun on this topical issue. The op area is mainly save and start business.

My advice as a paid employee that had worked for 20years is to Save regularly, after getting to certain amount. Invest in land.
Don't save only in bank's s but open retirement savings (RSA) with pension fund (PFA) and save there too. Their returns are impressive.
You can also in mutual funds. Stanbic IBTC Asset Management Ltd is there to help you. Their return of investment (ROI) is superb.


My point is that you should not have one savings or investment vehicle, multiple avenues and options are good because it offers better ROI and diversified portfolio that are hedged against risks.

I currently have good balance in my pension acct, good balances in mutual funds and bank's savings and some plots of lands

33 Likes 4 Shares

galantjoe(m): 1:50am On Oct 27, 2024
If a popular church approves his unmarried priests to use masturbation to relieve their sexxxual urge. Then women can also use sexx toy to masturbate to relieve of their urge.

What is good for goose is also good for gander

1 Like

galantjoe(m): 6:52am On Oct 26, 2024
What come to my mind whenever I see fine gal is fantasizing how her pusssy to and boob will be look like.

1 Like

galantjoe(m): 6:38am On Oct 26, 2024
Only thing that is constant is change

You re free to go back to a company you have resigned. This is because you have good relationship with management. I have done this on several occasions and I have never regretted my action.

However be ready to add value to the company. And be ready to be less confrontational, be submissive and diligent. Infact avoid mistake of the past

I wish you good luck

40 Likes 3 Shares

galantjoe(m): 6:21am On Oct 26, 2024
Stop giving him any money
He can't expose your video because if he does that his job will be also in danger
Secondly you can deny the video
galantjoe(m): 6:02am On Oct 26, 2024
Isn't her puny made for knacking?

Use what you have to get what you want

Secondly mention name of those movie directors demanding sex from you.
galantjoe(m): 6:02am On Oct 23, 2024
The op is a busybody

What concerned you about marriage. Do you that this man might be rich before marriage and maybe due to Wike demolition his shop might be destroyed. So he scrap business to survive

No body will marry when he or she knows that their children will suffer. No. They hope that they will make it in life

7 Likes

galantjoe(m): 9:45pm On Oct 22, 2024
Na organ harvesting farm
galantjoe(m): 11:28am On Oct 21, 2024
Tinubu is resetting Nigeria cheap economy to exorbitant one.
galantjoe(m): 6:51am On Oct 21, 2024
Evil elements of the state don't want Abia State to see development.
galantjoe(m): 4:38am On Oct 20, 2024
Why was he running
I thought he likes war

I don't know what these terrorists gain from causing war or act of terrorism
galantjoe(m): 11:01am On Oct 19, 2024
Balancing:
you're right about me to telling her everything about my finances but i felt that was the right thing to do. Thanks for the fake news advise but it's not going to work

How do you know it won't work

You have to play antics to save your marriage, life and keep your travel
galantjoe(m): 5:03am On Oct 18, 2024
Tallesty1:
You have a savings of 25 million and you think it's a wise thing to let her know that you've 25 million? SMH.


One of op highest undoing by revealing how much he had saved

Nawaoo

10 Likes

galantjoe(m): 4:57am On Oct 18, 2024
Your number 1 mistake is letting your wife know that you have 25 million naira in your savings

She won't leave you alone untill that money is zero. Trust womenfolk she will be bringing up unnecessary expenses to deplete that savings to zero. then she will rest and start another set of disturbance.

Now my advice, make fake business by start to talk about investing the money in crypto and using the profit for her surgery. Let say one month after investment, break the fake news that you have been duped that your 25m is gone. You should Cry like baby very well.

This is only way to put her attention away from that 25m. Otherwise she can kpai you in order to get that money to do plastic surgery. Fear women

24 Likes 4 Shares

galantjoe(m): 2:28am On Oct 17, 2024
Patriotic9ja:
He is probably thinking of his other children since late Wigwe was the bread winner of the whole family. Unfortunately he can not will anything to his siblings when he had a wife(though late now) and children. Normally a child who has his own family doesn't even add his parents in his will. Especially when it is the prayer 🙏 for parents to go before their children.

His siblings will only continue to benefit from him when alive. Since he is gone, Senior Wigwe is trying to grab somethings for his other siblings. Unfortunately he is doing it the illegal way. Though good intentions but only selfish and at the detriment of the true beneficiaries (the deceased children)

Don't say Senior Wigwe is doing illegal thing or greedy. So what other legal way can he follow to exercise his right patriarch of his family.

I think before going to court, dialogue with children and guardian of the will would have been exhausted and it yielded no good result hence he goes to court to exercise his right. Herbert Wigwe erred in willing everything he had to his children and children erred too not to agreed for equitable redistribution of estate to them and other of their extended family.

Herbert Wigwe is greedier while his children are greediest . Did u know his father investment on late Herbert or gentleman agreement they have before death came.

The senior man is trying to do right things

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