Tag: mistakes

  • APC chieftain urges party to learn from PDP’s mistakes

    APC chieftain urges party to learn from PDP’s mistakes

    A Cheiftain of the All Progressives Congress (APC) in Lagos State, Babatunde Solaja, has urged the party leadership to quickly get its acts together, to enable it deliver on its campaign promises.

    Solaja said it was unfortunate that the party which recorded a rare feat last year by removing the former ruling Peoples Democratic Party (PDP) from governance has not fully taken advantage of this to deliver the dividends of democracy to the people.

    He said the party should learn from the mistakes of the PDP, stressing that the former ruling party was voted out because of its anti-people policies.

    Solaja said the PDP is now paying for the ordeal it caused Nigerians for 16 years. He added that the party later embarked on unpopular methods, by haunting those who stood for truth and justice.

    He added: “The party at time was taken over by blood-sucking vampires who masquerade as politicians. The party fought some its leaders who could have provided torch for sustaining its grip to power.

    “The PDP left no stone unturned in ensuring that the people were oppressed and never listen to useful advice by well meaning Nigerian. I think we must learn from the mistakes of the party.”

    Recalling the harrowing experience when he was shot by thugs alleged to be working for a PDP senatorial candidate in 2015 general election, Solaja said he thought all has ended as he was left unconscious in his pool of blood until some members of the APC in the area took him to the hospital.

    He said he could not raise money for his treatment until Hon. Wahab Ajulo came to his rescue, by paying for all his medical expenses of N770, 000.

    Solaja said he was attending an APC event in the Ipaja area of Lagos, when the thugs swooped on him and other members of the party.

    He said: “They started shooting at us, particularly those of us whom they know are strong APC members in the area, so as to eliminate us before the election. They said the Osun State Governor Rauf  Aregbesola cannot control Osun State and control Alimosho in Lagos.”They were heavily armed and since they had their targets, they came for me, but God still needs my life and I also believe that God still wants me to work for APC. So, what is happening to the PDP is from God; the days of reckoning are here and the party and its evil collaborators cannot escape judgment.

    “It is on this note I want my party, the APC, to reflect deeply, to bury their differences and work for the overall interest of the people. Those who have served the party faithfully should be given due recognition in order to move forward.”

     

  • Bala Mohammed blames tactical mistakes

    Bala Mohammed blames tactical mistakes

    Tornadoes’ assistant coach, Bala Mohammed has blamed ‘tactical mistakes’ for his side’s near capitulation of monumental proportions late on in the contest.

    “We had some minor tactical errors, especially from the action of our players when they lost the ball. After we got the third goal, our players got carried away; most of them. They only played when they had the ball and stopped playing when they did not.

    “Rivers United then began dominating the midfield with four midfielders playing against our three and that was how they got their goals within a five-minute period,” Mohammed told RIVERS UNITED MEDIA.

    On his part, the United technical manager, Stanley Eguma said he will try to ‘correct mistakes’ from their next league fixture.

    “We started quite well but we conceded that goal from a free kick at the stroke of half time. In the second half, we conceded two quick goals as my players lost their heads. The good thing was the fight back but we will try to correct our mistakes from our next match,” Eguma said.

    Overall, the game was a brilliant advert for Nigerian football with Tornadoes moving up four places up the standings to 11th place with seven points from six matches while United dropped two places and now occupy seventh place with nine points from six matches.

  • Jonathan seeks prayer for Buhari ‘not to make mistakes’

    Jonathan seeks prayer for Buhari ‘not to make mistakes’

    President Goodluck Jonathan yesterday  urged Nigerians to pray for the success of President-elect Muhammadu Buhari and the incoming government.

    He said the prayer was necessary so that the incoming government does not make costly mistakes that could adversely impact on Nigerians.

    He spoke during the 2015 Presidential Thanksgiving and Inauguration Interdenominational Church Service at the National Christian Centre, Abuja.

    It was attended by Vice-President elect Prof. Yemi Osinbajo and his wife Dolapo, First Lady Patience, Former Head of State Gen. Yakubu Gowon, Senate President David Mark, Secretary to the Government of the Federation (SGF) Anyim Pius Anyim, President of Christian Association of Nigeria (CAN) Pastor Ayo Oritsejafor, National Chairman of the All Progressives Congress (APC), Chief John Odigie-Oyegun and  Deputy Speaker House of Representatives Emeka Ihedioha.

    Jonathan said: “I thank you for the support and I will call on you to pray for us who are leaving, because probably today is the last day I will speak to you here as the President of Nigeria.

    “But you should even pray more for the incoming government because we are now trying to manage our private businesses while they are coming to manage the whole country.

    “So they require more prayers because I can make a mistake and it will affect me, but if they make a mistake it will affect the whole nation. So I call on all of you and all religious bodies to pray for the incoming government to succeed because all what we want as a nation, both Nigerians at home and abroad, is for good government, prosperity, unity and peace. We cannot achieve that without the help of God.

    “I am quite please today we are here not to celebrate disintegration of this country, but we are celebrating the unity of this country. We are here not for service for mass burial, but we are here having service to inaugurate the incoming government.”

    “This being possible because of men and women like you who have been here praying for the country. God has designed everything.” He said

    Recalling that he was in the same church in 2007 as the Vice-President-elect.

    In his message Anglican Primate Archbishop Nicholas Okoh noted that the thanksgiving and praises on behalf of the first family and the incoming government was a period for counting their blessings and give thanks to God like David did in the Holy Bible in Psalm 103.

    He said: “It is the privilege of God that you are going home younger, in good health and with gratitude.”

    “As you leave office, you are leaving behind a new political attitude that no one’s political ambition is worth the blood of any Nigerian.”

    He urged Jonathan and the first family to continue to trust in the Lord as the global stage now becomes his jurisdiction for peace promotion.

    Okoh called on Jonathan and all Nigerians to forgive all those who have offended them especially in the campaigns and elections period.

    He said: “How many times in this country have we come to a hedge as if the country was going to break up and somehow we come out of it.

    “Nigerians also rejoice because we are not running helter skelter.

    “God saved our country from the prophesy of doom. God saved us. The prophets of doom have been disappointed.” He added

    He said that even though Nigeria lacks some basic infrastructure, Nigerians are not hungry.

    Stressing that peace is an essential ingredient for development, he urged Nigerians to properly manage the present peace in the country.

    He also urged Nigerians to be patient with the incoming government as it takes time to build anything that will endure.

    “And so, we appeal to Nigerians to avoid the syndrome of ‘hossana’ today, ‘crucify’ him tomorrow.”

    The vice President-elect sang praises to God in Igbo, Delta, Hausa, and Yoruba languages when invited to the podium.

    He prayed for God’s mercy, compassion, peace, joy, strength and long life for President Jonathan and his family as they leave office.

    He also prayed that God will make Nigeria what He has promised it to be.

    Scripture Reading 1 was taken by the Senate President from Isaiah 62: 1-7, while the Scripture Reading 2 was taken by Prof. Osinbajo from Luke 17: 11-19.

    An award and two Holy Bibles were given by the Christian Association of Nigeria (CAN) to President Jonathan and his wife for his outstanding Christian humility in public service, especially conceding defeat after the 2015 presidential election for the sake of peace.

    Two Holy Bibles were also given to Osinbajo and his wife by CAN.

    Intercessory prayers were said for the first family, the executive, legislature and judiciary arms of government, the President-elect and his family, the Vice President-elect, the church and the nation.

  • APC ‘ll learn from PDP’s mistakes, says Kwankwaso

    APC ‘ll learn from PDP’s mistakes, says Kwankwaso

    •Governor flays Lamido, Aliyu for returning to PDP

    Kano State Governor Rabiu Musa Kwankwaso yesterday said the All Progressives Congress (APC) will not commit the mistake of abandoning its members as allegedly done by the Peoples Democratic Party (PDP).

    Kwankwaso, who spoke to reporters in his office, said the APC would avoid mistakes that led to the fall of the PDP in the presidential elections

    The APC, he said, must learn not to be like the PDP, which, he added, disrespected those members that defected to the APC through constant insults.

    He said the party should recognise that “everybody is somebody in the quest to succeed”.

    The governor added: “We need to have a solid government, come together, work as a family and learn from the mistakes of the PDP”.

    Kwankwaso attributed the mistakes of President Goodluck Jonathan to lack of exposure to identify “who is who in the party and the country” and preferring to listen to roadside gossips against those who struggled for the success of the party.

    He, however, said it was a show of statesmanship for President Jonathan to concede defeat and went ahead to congratulate the President-elect, General Muhammadu Buhari.

    Kwankwaso urged security agencies to shun partisan politics, praising them for their role in the last election.

    The governor maintained that the APC as a government would not oppose vibrant opposition, but would want objective criticisms devoid of blackmail, propaganda and hate campaign.

    But, he said Governors Sule Lamido (Jigawa) and Babagida Aliyu of (Niger) got it wrong for deciding to return to PDP.

    Kwankwaso, who is the senator-elect for Kano Central, explained that he was surprised for their return to “PDP despite the fact that the party was not in good shape”.

    He noted that both Lamido and Aliyu were the brain behind the Group of Seven PDP Governors’ (G-7) struggle by virtue of their positions as elders and most experienced politically.

    Kwankwaso alleged that Lamido was instrumental to the design and the draft of what would be required by the G-7 to float a brand new party, which was vehemently rejected.

    The governor added that Lamido’s document provided options of establishing a new party or joining an established party like the All Progressives Congress (APC).

    According to him, there was no option of G-7 members going back to PDP in Lamido’s document.

    “G-5 were embarrassed by what Lamido and Aliyu did in returning to PDP and what they are now doing in the party could hardly be entrusted with anything,” he said.

    Kwankwaso said the big blow Aliyu received from Nigerlites would have taught him a good lesson.

    He predicted that Lamido and Aliyu would in future defect to APC to enable all of them work as one family for the betterment of the nation.

  • Kwankwaso: APC  ‘ll learn from  PDP’s mistakes

    Kwankwaso: APC ‘ll learn from PDP’s mistakes

    Kano State Governor Rabiu Musa Kwankwaso said yesterday that the All Progressives Congress (APC) would not make the mistakes of the Peoples Democratic Party (PDP) by abandoning its members.

    Kwankwaso, who spoke to reporters in his office, said APC would avoid such mistakes, which led to the failure of the PDP in the presidential election.

    He said APC must learn not to be a monster as the PDP, who disrespected the members, who defected to the APC, through its insults on the integrity of the members.

    The governor advised that the party should recognise that everybody was important in its quest to succeed, saying: “We need to have a solid government, come together, work as a family and learn from the mistakes of the PDP.”

    He noted that the composition of the APC government would speak volumes because the essence of going to school was to learn from the mistakes of the past and make adjustment by taking the right path.

    Kwankwaso attributed the mistakes of President Goodluck Jonathan to lack of exposure in identifying who is who in the party and the country.

    “Rather, he preferred to listen to gossips. He refused to recognise those who struggled for the success of the party by denying them their legitimate dues.”

    According to him, for President Jonathan to concede defeat and congratulate President-elect Muhammadu Buhari could be described as a show of statesmanship, adding that his name should be written in gold for standing for the truth.

    He urged security agencies to shun partisan politics and hailed them for their roles in the election.

    The governor said APC would not oppose a vibrant opposition, but would want objective criticisms, devoid of blackmail, propaganda and hate campaign.

  • Mistakes INEC must avoid in general elections

    Mistakes INEC must avoid in general elections

    Transparent election is the collective responsibility of stakeholders, including the party leaders, flag bearers, electoral officers, security agencies and voters. But, the Independent National Electoral Commission (INEC) has a duty to organise the general elections without compromising ethics and sacrificing the rules of the game on the altar of partisanship. Group Political Editor EMMANUEL OLADESU highlights the mistakes the electoral agency must avoid during the exercise.

    ALL eyes are on the Independent National Electoral Commission (INEC) Chairman, Prof. Atahiru Jega, as he pilots the electoral ship of state. Will the ship sail to the harbour safely? The wind is blowing. Electoral pirates are also on the prowl? Will the captain of the ship and the crew survive the turbulence? These are some of the questions agitating the minds of many as the general elections draw nearer.

    Since pre-independence, elections have been a sort of nightmare. The polity is usually enveloped in anxiety during polls. The electoral battles have been fought in an atmosphere of strife, rancour and bitterness. In 1959, 1964, 1965, 179, 1983, 2003, 2007, and 2011, the electoral commissions have been under attack for flawed polls. Protests have always trailed the periodic contests, with the struggle shifting from the ballot box to the court rooms. Over 54 years after independence, Nigeria has failed to build a sane electoral process.

    Many stakeholders have expressed reservations about the prospect of an improvement next month. Jega, who is on the weighing scale again, has reiterated his commitment to a credible process. But, there is a gap between expectation and reality. Although INEC had four years to prepare for this year’s general elections, many lapses are noticeable. The litmus test is the Permanent Voter Cards (PVCs) distribution. Owing to the mobilisation and enlightenment campaigns by civil society groups, political parties, many people trooped out for the exercise across the federation.  But, the voter cards have remained elusive for some 30 million eligible voters. Prof Jega – the man on the spot – said on Tuesday that the electoral umpire has distributed 66.8 million PVCs.

    The consensus of opinion nationwide is that the critical exercise was bungled. The shoddy distribution has generated uproar, created a hollow in the INEC’s scorecard. Opposition parties have alleged foul play. Some state governments have also threatened to take INEC to court. Many Nigerians, including Lagos State Governor Babatunde Fashola, a Senior Advocate of Nigeria (SAN), were shocked when they discovered that they were not captured. Jega and his men did not anticipate the scenario. To assuage public feelings, the commission resorted to an unplanned damage control. A supplementary exercise was ordered. But, public confidence has been ruptured. If the supplementary voter registration fails, the election may be discredited.

    According to analysts, INEC cannot halt the pollution of the ballot box, if one man, one vote is not guaranteed. But, when a large number of people are excluded from voting due to INEC’s mistake, the disenfrancement is a disservice to democracy.

    In 2011, the commission had thrown the bewildered nation into chaos before Jega directed that the election should stop abruptly. Midway into the poll, INEC was inundated with complaints across the six geo-political zones that the exercise had failed. At noon, voting had not started in many locations. The voter’s register was fake. Many officials did not even report for electoral duty. Where electoral officers were available, they were afraid to kick off the accreditation because security agents were absent. The ill-trained ad hoc staff – the National Youth Service Corps (NYSC) members were confused. Protests against the shoddy exercise were reported in some states. To avoid a crisis of monumental nature, Jega announced the cancellation and postponement of the poll. There was relief. But, the beleaguered nation was back to square one.

    To observers, INEC has only built on its relative success and failure in post-2011 fractional and by-elections in Ondo, Anambra, Ekiti and Osun. Instructively, the governorship elections were scattered, owing to the mistake of INEC under Prof. Maurice Iwu. The first challenge was the Anambra State governorship election, which was almost bungled last year. During the poll, the commission was under fire. Indeed, its poor performance heightened fears about future elections.

    Ahead of the Ekiti and Osun governorship elections on June 21 and August 9, there was also apprehension, although the polls turned out to be relatively peaceful. Civil society organisations demanded for the use of card readers to protect the sanctity of the ballot box. Reflecting in the public mood as the poll approached, the Coordinator of the Coalition of Democrats for Electoral Reforms (CODER), Mr. Ayo Opadokun, pointed out that the electoral anxiety underscored the obvious lack of confidence in the electoral agency. He said, if the candidates and voters have the assurance that INEC will conduct a credible poll, there will be less aggression and desperation.

    Also, a cleric and politician, Pastor Tunde Bakare, distinguished between a free election and fraudulent election. He explained that while elections can be free at the level of voting and counting at the polling booths, they can be fraudulent at the level of collation of results at the collation centres. To avert the electoral fraud and the controversy it will trigger, the activist-priest admonished INEC to approach its duty with patriotism and sense of responsibility.

    To conduct credible and transparent polls, INEC must be weary of its past mistakes and avoid the pitfalls, especially the “Anambra pitfalls”. This is necessary to avoid a fresh crisis of integrity. Indeed, prevention is better than cure. The commission tried to avoid these mistakes in Ondo, Ekiti and Osun polls. In the approaching general elections, they should not be repeated.

    In many polling units in the Southeast state, there were no result sheets. Many voters cried foul, pointing out that the INEC was not well prepared for the exercise. The Commission also failed a credibility test when its officials reported late for the assignment in many local governments. Where the officials reported promptly, they did not show up with the required polling materials. Voters were disillusioned. Many returned home in protest. Later, the commission shifted the exercise in some units till the next day.

    The most critical material is the voter register. When the names of many voters are omitted from the register, there will be tension on poll’s day. The implication is that many may be disenfranchised. The early display of the voter register may be helpful. Through the verification, complaints by candidates, parties and voters can be tackled and errors corrected by the commission before the poll.

    Also, the accreditation hurdle is a recurring decimal. Voters usually raise objections to the late accreditation and voting. Accreditation problem is proportional to the demographic distribution of voters. In densely populated polling units, the exercise may not be completed before noon as stipulated by the law. If the electoral officers report late at their duty posts, the challenge may be compounded.  The late arrival of polling officers and electoral materials can also worrisome. In 2011, many voters returned home without casting their ballot because their names were not found in the voter register. Unscrupulous electoral officers may also give INEC a bad name. In Anambra, Jega was enraged by the unruly behaviour of some polling officers. He had no alternative than to hand them over to the police for interrogation.

    There is the need for the electoral body to study and understand the geography of the electoral constituencies. The coastal communities of Ilaje and Niger Delta creeks require specific preparations. Helicopters and speed boats may be needed to convey polling officers and materials to designated units. In Edo State, a drunkard was hired as a boat driver and there was a fatal accident.

    Will elections hold in flashpoints like the Northeast where the out-of-control Boko Haram insurgents are on the rampage? Borno, Yobe and parts of Adamawa states have not known peace for almost three years. The states were under emergency rule for 18 months until the National Assembly declined to approve the extension of the emergency rule for another six months. The federal lawmakers justified their position as they said the emergency rule failed to restore sanity in the three states. Conducting an election in the troubled states may be challenging.

    Elections have become a burden in Nigeria, owing to combative nature of gladiators who see elections as do-or-die contests. Thuggery and violence are on the increase. In fact, many security experts have warned that violence may mar the polls. How to police the votes is very important. Sometimes, elections are discredited, although the fault cannot be attributed to INEC. The activities of desperate politicians, thuggery, and the misuse of the police may make the contest a sort of war. Already, there is a charged atmosphere. It is in this regard that Jega’s policing strategy is salutary. The INEC boss said that security agents must be in their uniform. This is to avoid the use of thugs who pose as policemen in mufti to intimidate opponents.

    However, civil rights groups have suggested that security agents should also be accredited for electoral duty. But, INEC has turned the suggestion down.

     The greatest challenge is the prevention of rigging by INEC during the presidential, governorship and parliamentary elections. Muscle men-thugs and cultists, who are armed with sophisticated weapons beyond the reach of the police, may be recruited by desperate politicians to create panic, molest voters, scare away electorate, invade the polling booths, snatch ballot boxes, inflict pain, maim and kill, in the interest of the highest bidder and in expectation of a reward for unleashing terror. The INEC and security agents should not only be on guard, but on the red alert to avoid the floodgate of litigations that trailed the 2007 electoral foul play.

    The penchant for doctoring the results by the combined forces of desperate politicians, unpatriotic security agents and electoral commissioners must be resisted. Ordinarily, a credible election is a panacea for violence. In earlier dispensations, rigging provoked popular revolt. In the Western Region of old, malpractices were perceived as a colossal rebellion against the people. It led to the burning of houses and mass killings in the First and Second Republics.

    In previous elections, observers were arrested and briefly detained. On June 21, some journalists duly accredited by INEC in Ekiti State to cover the governorship election were arrested by over-zealous security operatives, who drove the men of the pen profession to the boundary of the Land of Honour State with Kwara.  The reporters were warned never to return to the state. There should be a better way of accrediting and identifying the monitors, instead of subjecting them to ridicule while on sensitive national assignment.

    Many electoral observers have wondered why the INEC is reluctant to invoke the various provisions in the constitution against electoral malpractices. Electoral officers who act in concert with politicians and the police to commit atrocities against the ballot box should be prosecuted. INEC must make the first move.

    Recently, the commission acknowledged its limitations, in terms of speed and accuracy. Jega said the Commission is not equipped to conduct a run-off if there is a tie in the presidential election. The law stipulates that the re-run should be held within a week. But, Jega described the time allowed by the law as inadequate. This hurdle cannot be resolved without an amendment to the Electoral Act. The amendment is not feasible before the election.

    Despite the INEC’s shortcomings, Jega is still perceived as a man of integrity. Will INEC under his watch live up to expectation? Time will tell.

  • Europa League tie: Ejide warned not to repeat mistakes

    Europa League tie: Ejide warned not to repeat mistakes

    Hapoel Beer Sheva goalie Austin Ejide was heavily criticized for his blunder which led to the winning goal scored from the penalty spot by Split’s Mate Bilic in the second qualifying round of the Europa League last Wednesday.

    Allnigeriasoccer.com reports that Ahead of the reverse tie in Cyprus on Thursday evening, Roni Moskovitch, who won two championships with the Camels in the 1970s, has taken stock of the performance of the Nigeria international in the first leg.

    “I do not think he can be stable throughout the year but there is no doubt that Austin is among the best goalies that have been here.

    “Austin should have the peace he needs to not repeat the mistakes. He has a good team so his involvement is not so great in itself.

    “He should occupy himself mentally and physically so that he would not be surprised,” Roni Moskovitch was quoted as saying by one.co.il.

    Unarguably, last season was Ejide’s best since he arrived at the Israeli championship after helping Hapoel Beer Sheva finish second in the topflight.

    He has been on Nigeria’s rosters to the World Cup three times but never kept goal in any of the tournaments he attended.

  • Iorfa: We will look at our mistakes

    Iorfa: We will look at our mistakes

    Lobi Stars battled hard but still went down 2-1 to premier league newcomers Giwa FC at the Rwang Pam Stadium, Jos in a Week 10 Glo Premier League tie.

    The Makurdi side led 1-0 at halftime through a goal converted by CHAN Eagles star, Barnabas Imenger Jnr in the 36th minute but they couldn’t protect their lead as they allowed the Jos Elephant to claw their way back in the second half.

    SportingLife was reliably informed that the game was very explosive with the visitors taking the initiative which later resulted in them taking an expected lead about eight minutes from the end of the first half.

    Giwa FC regrouped in the second half and deservedly got an equaliser through Hassan Babangida in the 61st minute after Lobi’s goalkeeper, Terkaa Melai spilled a harmless shot from the dashing striker into his own net. Giwa went further ahead in the game three minutes later when Dadung Gyang’s rocket sailed into Lobi’s net.

    The rest of the game became a ding dong affair after a heavy downpour impeded the free flow of the game as the game ended 2-1 in favour of Giwa FC.

    Lobi’s Vice Chairman, Dominic Iorfa, however, assured that his wards would head back home to analyse what led to their loss and also begin serious and intense preparation for their double header in the State FA Cup final and next mid week cracker against Sunshine Stars.

    Giwa FC are on 15 points from eight matches while Lobi are also on same 15 points but they have played 10 games.

  • Seven mistakes in naming life insurance beneficiaries

    Naming who should get the life insurance money after you die sounds simple, but designating beneficiaries can get tricky.

    Mistakes are common, financial advisers say — and they can be heartbreaking and expensive.

    When mistakes are made “you’re not creating problems for you,” says Keith Friedman, principal of FBO Strategies, an estate planning and insurance firm in Stamford, Conn. “You’re creating problems for the people you leave behind.”

    Here are seven life insurance beneficiary mistakes to avoid.

    Naming a minor child

    Life insurance companies won’t pay the proceeds directly to minors. If you haven’t created a trust or made any legal arrangements for someone to manage the money, the court will appoint a guardian to handle the proceeds until the child reaches 18 or 21, depending on the state, which is a costly process.

    Instead, you can leave the money for the child’s benefit to a reliable adult; set up a trust to benefit the child and name the trust as the beneficiary of the policy; or name an adult custodian for the life insurance proceeds under the Uniform Transfers to Minor Act.

    Overlooking your spouse in a community-property state

    Generally you can name anyone with whom you have a relationship as beneficiary, even a secret lover.

    “Life insurance is not a judge of someone’s morals,” Friedman says.

    Assuming your will trumps the policy

    A life insurance policy is a contract. Regardless of what your will says, the life insurance money will be paid to the beneficiary listed on the policy. That’s why it’s important to contact your insurer to change your beneficiary if needed.

    Forgetting to update

    “Designating beneficiaries are not ‘set it and forget it’ events,” says Tara Reynolds, vice president at MassMutual. You should review your policy every three years and after major life events, such as marriage, having children or divorce. Change the beneficiaries when circumstances change.

    Unfortunately, many people forget to do so.

    Neglecting details

    Do you want to leave life insurance money to your kids and grandkids, and you want it divided evenly?

    There are two ways of distributing the money — per stirpes and per capita. You can specify either method on the life insurance policy, and both are acceptable options when naming beneficiaries, says Ed Graves, a professor of insurance for The American College in Bryn Mawr, Pa. “But the possible outcomes can be drastically different from one approach to the other.”

    Per stirpes means the proceeds are divided by branch of the family, and per capita means they are divided by head.

    Be specific when you name beneficiaries. Instead of “my children,” list their names, social security numbers and addresses, Graves added.

    Otherwise, “the insurance company has to launch a search and that can take a lot of time,” Graves said.

    Staying mum

    “The most important thing is to tell someone so they know you have a life insurance policy, where it is and how to find it,” says Joshua Hazelwood, vice president at MassMutual.

    Giving money with no strings attached

    Naming your young-adult children as beneficiaries without setting any conditions for how the money is dispersed can be a setup for financial failure. How many 18- or 21-year-olds can handle a huge influx of cash? One way is to set up a trust with specifics for how the money can be released and what it can be used for until the young adult reaches a certain age.

    • Tips by insure.com.

  • Mistakes have  made me a better  person —Jim Iyke

    Mistakes have made me a better person —Jim Iyke

    A popular actor and businessman with a personal thirst for the arts, Jim Iyke is blessed with a persona that is packed with a lot of drama. He describes his new TV series Jim Iyke Unscripted as a confluence of his life. In this interview with Entertainment Editor, VICTOR AKANDE, the artiste enlightens the public on the reasons behind the creation of Jim Iyke Unscripted, his short temper and a number of issues.

    HOW much of you are we going to see in this reality show?

    I don’t want to circumvent circles; we’ve travelled already but for the first time in my life I get to share the real me with the world. A man lives three lives; the public, the private and the secret and this is the confluence of every part of my life.

    You’ll see the ambiguous part that has been filled in by a lot of people, their insinuations and views of me, you’ll see the part that I have not been generous enough to show people and of course the part I would rather keep to myself and allow people draw conclusions. So in its entirety, it’s the best view of my life that anyone can get

    In doing this, have you consciously tried to differentiate between reality and drama?

    Absolutely! The one thing you can’t do is to fool Nigerians. They are opinionated people with hardcore beliefs and not very liberal with their views in certain respects. They are not fools and can pretty much see through any act. It’s true people in my line of work are given to theatrics but that much is the being by which we exist and at some point you begin to find it hard to draw the line between reality and fantasy.

    But I have been able to uphold both dimensions easily. It’s easy to be idealistic and realistic and here we marry them both. It is the best part of me that I have ever been comfortable enough to give. Being that I’m unscripted is the best gift I have given so far in my career.

    People have overtime noticed your temper; everyone has it, but to what degree is yours?

    I’m passionate. Sometimes people say that men like me like to substitute words but when you say a man is temperamental he might be. Given the space I grew up in, that I operate, built my trade and my lifelong interests, you’re given to so much pressure sometimes and you break under it if you don’t know how to handle it. From the onset, we got into it based on faith, with no idea of what to expect.

    There was nothing like celebrity management from people that knew better and the limelight that shone on us suddenly was something we did not know how to handle. The scrutiny breaks you, and you act contrary to your initial values, elements and offspring of pressure, which is relative and comes from different spheres. We were kids who just started out with a little money, few travels, meeting people at the helm of affairs and it dawns on you at some point that it’s a gift which should not be misused. It was given to better the quality of people’s lives around you, leave a legacy by touching lives and improving yourself.

    The question has always been if I have made a conscious effort to show my true self and the reply has always been in the negative. I’m proud of my mistakes; I don’t shy away from them. Embarking on this seemed so stressful at the beginning, with so much on the table but making mistakes have made me a better person. Getting to a point and looking back without any sign of mistake is like you saying you’re not human

    Are you being diplomatic by calling them mistakes?

    They were not all mistakes, some were acts performed due to not knowing any better; acts of ignorance. Given what I know now and have imbibed, there are certain things I will do now that you know are not mistakes: the acts of a man that knows better but chooses the wrong route. It’s a lot different now, I don’t blame myself for the things I did but for the man they made me be.

    Are we going to see the romantic side of Jim Iyke?

    It’s in its entirety. I didn’t pull punches anywhere, I take viewers to my family so they understand the type of man I am. I take them to the basics that are important to the Nigerian mindset; they see the businessman, because I want them to see how hard I work. I take them through entertainment to see the type of pressure people in my kind of work face. I’m not saying they should let go of their prior impression but to be more objective and conventional in their judgment.

    I make them see my unique relationship with my mum and sisters, with my employers and employees. I want them to see the impact of Nollywood, so I take them to countries where people didn’t believe we will get major recognition and things happened, showing them my ideas and philosophies. I want people to be open minded, void of pressure and bias. And that’s what the show is; a complete chronicle of my everyday life.

    When you got the proposal to do this, did you hesitate or jump at it?

    I said no for a long time and that’s why the programme delayed in coming. I didn’t believe in reality TV and there is still a part of me that refuses. As a true actor, everything in you rebels against causes like this, but when I signed onto a management called Greylogies, Mr. Chris grey, a Jamaican-American, sat me down and made me understand that this is the next step, reality TV is new. It’s like refusing to do social media, no matter how good or potent you are, embracing it is necessary. He went further to say that, from the inception, my career has been headlined by people who didn’t have direct contact with me, so this serves as a medium to tell my own story un-orchestrated, un-doctored, unscripted. Let people who want to judge do that from this angle.