Tag: Solutions

  • Pension complaints and solutions

    MRS OLUYEMISI: My name is Mrs Oluyemisi from Osun State. I retired in July 2015 and I am yet to be paid my benefits. My question is that with two years salary arrears, is it going to be deducted from the lump sum to be giving to us by our PFA.

    PENCOM: Good day Madam. Please give us more details in a clearer form to enable us assist you with your complaint. What kind of arrears do you mean? Promotion salary arrears or arrears accumulated due to unpaid salaries? Also provide us with details of your place of employment, PIN and PFA. Thank you.

     

    ANONYMOUS: I have double pin numbers.   What can i do?

    PENCOM: Good day Sir. Please write a formal complaint to the Commission and address it to the National Pension Commission, Plot 174 Adetokunbo Ademola Crescent, Wuse II, Abuja. Please make sure to attach evidence of registration with both Pension Fund Administrators. Thank you.

    ANONYMOUS: Good day, please we need help. We retired from the Federal Government Civil Service. Some of us retired between 2013 and 2017 respectively. We have not received any pension or gratuity. Some of us have died of frustration, while some are sick. We don’t have proper food to eat and we cannot send our children to school and meet other basic needs of life. Thanks. I want to remain Anonymous.

    PENCOM: Sir, please provide us with your PIN, place of employment, dates of employment and of retirement for us to ascertain the status of your benefits. Thank you.

    SAHEED: Dear Sir/Ma, my name is Saheed. I have part                 of my pension with NSITF/NPF. In my Sterling bank account, I have N87,454.82. Please note that not a single kobo has been paid from their office on Ikorodu road to Elephant House, Alausa, where I was asked to open an account with Zenith Bank with all documents, but I was still not paid. I travelled to Abuja office, Labour House still no show. Please kindly help me since this fund has been hanging somewhere since 2004. By now, under normal circumstances, the money would have generated returns for 13 years. Thank you for taking time to read my story.

    PENCOM: Good day Sir. Can you please give us clearer details of your issue? Thank you.

     

    ADELEKE: Dear Ma, I have two pen no with two PFAs, Trust fund Pension and ARM Pension. I retired since year 2014 and Trustfund had since paid me my lump sum. ARM PFA only gave me the statement of my account with them, which is less than N300,000 and they told me they are not the one to pay me. Please kindly help me ask them. Who is to pay me? Thanks sir.

     

    ARM PENSION: The team confirms that he will be required to write to PENCOM after which they will officially direct us (ARM Pensions) to transfer his balance to Trsutfund. Trustfund will then pay him directly. The reason he has to go through this process is  because, based on regulations, he should have only one RSA account, but in the event there was an error and two accounts were opened, the first account is the controlling account.

    He can come to our office for support/guidance regarding the process. If he has any further issues he can reach out to me directly Ethan: 01-2715005 Ext.1030

    PENCOM: Good day Sir. You can only receive payments from one PFA. Please write a formal complaint to the Commission, addressing it to the National Pension Commission, Plot 174 Adetokunbo Ademola Crescent, Wuse II, Abuja. Please make sure to attach evidence of registration with both PFAs, in order for PenCom to regularise your details. Thank you.

  • Expo to proffer solutions to infrastructural deficit

    Organisers of an international construction and building exhibition, Elan Expo, have expressed their readiness to use the forthcoming exhibition to explore bilateral relationships that will provide sustainable solutions to infrastructural challenges in the built industry.

    Scheduled for November 2 to4, 2017, the exhibition, it is expected to open up investment opportunities in the built industry as well as other value chains.

    The expo is expected to attract exhibitors from 12 countries, including Turkey, Italy, Poland, Ukraine, India, Egypt, China, Saudi Arabia and the United Arab Emirate (UAE). Over 17 foreign companies have confirmed their participation, according to the expo Project Coordinator, Mr. Jude Chime.

    He told The Nation  in Lagos that the expo would not only bring together building professionals in the country, but also international manufacturers, services and technologies providers to explore opportunities in one of the fast-developing sectors in the country.

    He added that there has been  rapid growth in the last 20 years in the construction industry, and important projects in the country.

    The General Manager, Elan Expo International Trade Fairs, Mr. Nihat Suer, explained that this year’s expo is hinged on stronger international partnership with delegations from participating countries.

    “It will bring together important professionals around the world. This event will give us opportunities to network with foreign investors and explore other areas of investments apart from oil. The workshops have also been certified by professionals,” he said.

    Speakers from the Association for Consulting Engineering in Nigeria (ACEN), Nigeria Society of Engineers (NSE), Nigerian Institution of Structural Engineers (NISTRUCTE), Association of Professional Women Engineers of Nigeria (APWEN), Council for the Regulation of Engineering in Nigeria (COREN), Nigeria Institute of Building (NIOB), and Nigerian Institute of Town Planners (NITP) are billed to take part in the workshops.

  • Pension complaints and solutions

    ANONYMOUS: Good day sir|ma. Please as a contract staff who retired with an existing pin from his PFA and currently on pension, can I register with another PFA as a contract staff? God bless PenCom and The Nation for this good work.

    PENCOM: The Pension Reform Act (PRA 2014) emphasises one Retirement Savings Account (RSA) per employee, which means that RSA holders should not register with any other PFA after the first registration.  The National Pension Commission (PenCom) has a first pin rule, which means that contributors with more than one PIN must notify the Commission in writing attaching evidence of multiple registrations with PFAs, so that the subsequent PINs can be flagged off.  An RSA holder carries his/her PIN to his/her new employment. The contributor does not have to change his PIN or register with another PFA.

    ANONYMOUS: Good dayam sir, I am  a staff of PPEB Delta State.  I started contributory pension from inception. I opted for Stanbic Ibtc Pension. However I was told I can’t choose my pen managers myself contrary to the law, that another PFA (name withhold) must manage all Delta workers.  I filled the forms, till date I have nothing to show for it.

    PENCOM: By virtue of the provision of the Pension Reform Act 2014, an employee enjoys the right to open and maintain an RSA in his name with a PFA of his choice. It is illegal for any employer or Labour/Union to impose a particular PFA on employees or members.  However, we will still need more information from you such as your PIN, name of PFA, name of your last employer in order to assist with your enquiry.

    GEOFREY: Good evening sir. I am Geofrey, an ex staff of Oceanic Bank, I opened my RSA is with premium pension, after my disengagement, I went to their office to get 50% of contribution. But among other requirements they asked for my salary pay slip which I cannot get because Oceanic Bank didn’t pay us with  pay slip when I was with them. Please help me as I am yet to get another job since 2010. Thanks.

    PENCOM: You cannot get 50% of your contribution. The PRA 2014 only makes provision for a person to withdraw not more than 25% of the total amount credited to his/her RSA provided his/her have been out of a job for four months and has not secured another employment.  With regards to your pay slip issue, please contact your PFA so that they can assist you with possible alternatives.

    BASAMBO: Good day. My name is Basambo, I have death benefit payment of my late father, Danjuma with  Legacy Pension. Please I need to know why the payment is not being made for two years, after finishing all the neccessary processes.

    PENCOM: Upon the death of an employee, the employer/Next of Kin (NoK) or representative of the deceased shall notify the PFA, who in turn shall inform the ommission with supporting documents. The employer would thereafter process the proceeds of the life insurance policy which shall be credited into the deceased’s RSA. The NoK shall liaise with the PFA and provide necessary documentation for processing of the deceased’s entitlements. The deceased’s consolidated benefits are thereafter paid in bulk to the Executors of his estate or to any person appointed by the Probate Registry as the Administrator of his estate to enable them apply the same in favour of his beneficiaries. However sir, we would require more information from you such as your late father’s PIN, Name of Last Employer, so that we can assist you further.

    MRS EKPE: Good day ma, please I need your help on my late husband’s pension. My problem is on the letter of administration. I have been processing it since December 2014.The lawyer helping me only collects money from me and put me on hold, he doesn’t even take my calls

    PENCOM:: Please madam, try and engage another lawyer to assist you.

  • Complaints and Solutions

    EBONG: Dear Sir, your column in The Nation newspaper of Wednesday, July 5 has   assisted pensioners. My name is Ebong. I  attended a verification exercise in Uyo Akwa Ibom State on February 7, 2017. My complaints are non harmonisation and short payment of my pensions.  I submitted all the required documents for scanning. Please kindly help me so that my arrears can be paid to enable me cope in this recession period. My pension is paid up to date. Thank you.

    THE NATION: The newspaper will intervene. Do await response from PTAD. Watch out for the newspaper next week for your response and subsequently every Wednesday as we update you with pension news.

    OLUYEMISI: My name is Mrs Oluyemisi from Osun State. I retired in July 2015 but I’m yet to receive my benefits. My question is will our two years salary arrears going to be deducted from the lump sum to be given to us by  our PFA.

    THE NATION: The newspaper will intervene. Do await response from PenCom. Watch out for the newspaper next week for your response and subsequently every Wednesday as we update you with pension news.

    ANONYMOUS: Sir I have double pin number. What do I do?

    THE NATION: The newspaper will intervene. Do await response from PenCom. Watch out for the newspaper next week for your response and subsequently every Wednesday as we update you with pension news.

    MAYALEEKE: Dear Omobola, My federal
    pension under the old scheme has been stopped since June 2010. The last of my pension from the Federal Government was in May 2010. About N8,748.90 per month was paid without any increment of the past years. All efforts to correct this so has failed. Kindly help.

    THE NATION: The newspaper will intervene. Do await response from PTAD. Watch out for the newspaper next week for your response and subsequently every Wednesday as we update you with pension news.

    ADACHI: My name is Adachi. My dad died since 2007 while with NPF and I was verified since 2014 but till now I have not been paid. What do I do?

    THE NATION: The newspaper will intervene. Do await response from PTAD. Watch out for the newspaper next week for your response and subsequently every Wednesday as we update you with pension news.

    ANONYMOUS: Please I am an ex NITEL staff. We are still waiting for a supposed verification but is not forthcoming. What is our position?

    THE NATION: The newspaper will intervene. Do await response from PTAD. Watch out for the newspaper next week for your response and subsequently every Wednesday as we update you with pension news.

    OKON: Please, I  am one of those who had missed the verification of retires at Calabar, Cross River State. I want you to inform me the date and location for North Central to enable me to get there as published in The Nation newspaper Wednesday June 21, 2017. Thanks.

    THE NATION: The newspaper will intervene. Do await response from PTAD. Watch out for the newspaper next week for your response and subsequently every Wednesday as we update you with pension news.

    ADELEKE: Sir I have two pen no with two PFAs. I retired since year 2014 and one of them has since paid me my lump sum. The other PFA only gave me the statement of my account with them which is less than N300,000 and told me they are not the one to pay me. Please kindly help me ask them. Who is to pay me? Thanks sir.

    THE NATION: The newspaper will intervene. Do await response from PenCom. Watch out for the newspaper next week for your response and subsequently every Wednesday as we update you with pension news.

  • Sterling & Wilson to open power solutions showroom in Lagos

    Sterling & Wilson Pvt Ltd is to official open its power solutions showroom and office premises in Lagos on Saturday.

    The firm, which was established in 1927 and headquartered in Mumbai, India, is a global power solution provider in diesel, gas and solar power with  offices in 16 countries around the world. Sterling & Wilson Nigeria Ltd, has been offering power solutions through its diesel and gas power range of products along with MEP services (Mechanical Electrical and Plumbing) since 2011.

    The showroom is designed to further launch the company into the Nigerian market and consolidate its market leadership position in Asia, the Middle-East and Africa. Its Head of Powergen Business for West Africa, Mr. Bipin Moye said: “The showroom situated on Sanusi Fafunwa Street on Victoria Island, Lagos, is the first real-time power solutions showroom in Nigeria, because it offers a full range of power and allied services, including GenSet sales and services, gas power project engineering, supply and turnkey execution along with a complete range of MEP solutions, with availability of expertise of highly trained professionals.”

    “Our-soon-to-be-opened showroom will display the full range of ‘Sterling Generators’ branded diesel generators. It will also offer the opportunity of cutting edge service, repairs and factory warranty management backed by the availability of experienced and well trained technical service staff, making this a great option for power consumers such as construction/project sites facilities managers, manufacturers, schools, businesses offices, and other stakeholders.”

    Moye explained that Sterling and Wilson generating sets are built for reliability and designed with compactness and durability in mind and available from 9kVA to 3000 kVA; these new Perkins powered diesel generator sets are built to world-class standards, for high efficiency, low fuel consumption and global emissions compliance and come in a range of options to match your power needs, making the process of choice and installation really simple.

  • Financing low carbon solutions for power sector

    SIR: Financing low carbon solutions for the power sector is basically about making resources available in the power sector for projects with minimum carbon emission. The idea is to prioritize these projects at the expense of projects that emit so much carbon and hurt the environment. There are different financing options that are available to finance these low carbon projects. A very relevant financing option is the recently launched Nigerian Green Bond. The projects that should benefit from the issuance of the Nigerian Green Bond are projects that fit into the low carbon target of energy efficiency, work towards off grid solar energy and work towards ending gas flaring. Such projects should create jobs, be cost effective and make reasonable returns on investment as well as have great climate change mitigation potential.

    Any project that does not fit into these criteria should not be funded by the Green Bond. Also, the reporting of the project implementation must show energy savings, carbon emission reductions, renewable energy productions, etc. Clearly, the Green Bond provides good opportunity for funding renewable energy and mainstreaming low carbon budget framework. Also, the Federal Ministry of Power should consider tapping into international climate finance mechanisms. These climate finance mechanisms are strictly for low carbon projects. Capacity building is imperative for building the critical skills needed to access these funds. The financing mechanisms include the Green Climate Fund, Clean Technology Fund, Special Climate Change Fund, International Climate Fund, etc. A combination of Green Bonds, Climate Finance Mechanisms and other funding windows can be used to convert Single Cycle Gas Turbines (SCGT) to Combine Cycle Gas Turbines (CCGT) for greater efficiency and reduction of carbon emissions.

    One major financing challenge of the power sector is the fact that the federal government still retains ownership of transmission facilities through the Transmission Company of Nigeria. The government must either invest heavily or let go of its ownership of transmission facilities. The grid collapses after about 5,500 Megawatts which is not up to one-third of the energy demand of Nigerians. The federal government seems not to have the resources to invest for the needed improvement of transmission facilities. It must invite the private sector to invest in transmission or come up with alternative funding sources that still retains transmission in its custody.

    Fixing the financial challenges of the power sector will free up some resources which will then be used to address low carbon concerns.

     

    • Martins Eke,

     Centre for Social Justice, Abuja.

     

     

  • ‘Osun providing templates for solutions to Nigeria’s challenges’

    The Special Adviser to Osun State Governor on Information and Strategy, Mr. Semiu Okanlawon, has said the Rauf Aregbesola administration had provided the templates that could be adopted for national development in many areas.

    Okanlawon spoke at the weekend in Osogbo, the state capital, at the installation of the first female Rotary President of Osogbo GRA, Olori Bola Akinyemi.

    The governor’s aide, who was among the awardees, dedicated his Achievers’ Merit Award to the people of Osun State.

    He said the residents deserved endless commendations and recognitions for providing the Aregbesola administration the atmosphere to use the state for development experiments, which had earned the state local and international commendations.

    Okanlawon said it was significant that Rotary Club, a global organisation that focuses on service to humanity, selected officials of the Aregbesola administration for recognition.

    The governor’s aide noted that the awards were meant for the people who had been supportive of the administration in its numerous development strategies.

    He said: “I am happy today for this recognition. However, I am happier that Osun is getting all the recognitions from all over the world due to the ingenious development ideas of Governor Aregbesola.

    “I am happy that the World Bank representative, who presented me this award on behalf of Rotary International, in the course of her presentation, made reference to the World Bank-backed YESSO programme, which was launched in 2014 in Abuja for the country.”

  • Some faces of anaemia and their solutions

    A woman in her 70s anxious about the health of her husband asked me last week: “why is he anemic when his haemoglobin level is normal?” By haemoglobin she had iron in mind. Many of us associate the blood with nothing but iron. And that’s possibly why we are a nation of iron hill gobblers. The blood is red, so are iron pills! We are not too far from the truth, though, because iron plays a critical role in blood formation and maintenance, although there is more to the blood than just iron.

    Yes, one can be anaemic when one’s haemoglobin level is high. Haemoglobin is a protein molecule in red blood cells which carries oxygen from the lungs to all cells of the body and transports carbon dioxide, a waste product of their metabolism, from them back to the lungs for excretion.

    Haemoglobin is a component of the red blood cell. Its structure of Carbon, Hydrogen, Oxygen and Nitrogen is bound together by a central atom, iron, which gives the red blood cell its red colour through the haemoglobin.

    Thus, we can picture the red blood cell as a transport vehicle which bears the haemoglobin as passenger. The shape and number of red blood cells in the blood account for whether a person is anaemic or not. Red blood cells may be too small in size (microcytic), normal-sized (normocytic) or oversized (macrocytic).

    Microcytic anaemia is caused more by iron deficiency. In macrocytic anaemia, a major cause is pernicious anaemia and alcoholism. There may be a problem in the stomach or in the intestine which disturbs or inhibits the absorption of Vitamin B12. Many old or aging people suffer from Macrocytic anaemia and, for this reason, the health industry has developed a sublingual form of Vitamin B12. This is placed under the tongue and is directly absorbed from there into the bloodstream. It works wonders!

    Even where the red blood cell is of normal shape and haemoglobin is reasonably high, anaemia may occur if the red blood count is low. In this condition, there would be fever transport vehicles to ferry haemoglobin and oxygen to the cells and remove poisonous carbon dioxide. Such an anaemic person would be tired always and may experience fogginess in the brain. The condition will, therefore, require an investigation of what may be amiss.

     

    Menstruation

    There are many things which may be amiss either as individual or single factors or as combination factors. First, menstruating women lose blood every month. If they do not eat right, including vitamins and minerals in their diet, they may gradually suffer from low red blood count. For nutrition is one of the factors which helps us to hedge off anaemia.

     

    Kidneys

    The health of the kidneys is also important if we are to live an anaemia-free life. The red blood cells are produced in the bone marrow of the femur, that is the thigh bone, and in the pelvic bones.

    These production sites are helped to produce these cells by a secretion from the kidneys called erythropoietin. That means that, without erythropoietin, the red blood count would be low. Do not be surprised, therefore, if you visit a doctor complaining about tiredness or weakness which your blood tests suggest is anaemia-related and he asks you to run a kidney function test. For anaemia is not a disease in itself, but a symptom of a disease which may include kidney disease or even a cancer.

    Many people have chronic kidney disease without knowing that they do, especially because they do not run routine kidney function tests or take food supplements which help to clean up the kidney filters regularly. The kidneys are like the fuel filters of a motor vehicle. They do become clogged up with wastes. And, although they have a self-cleaning mechanism, they fare better with help from the diet which should supply cleaning factors or agents.

    Traditionally, the kidneys benefit from the small flowered willow herb which shrinks enlarged prostate and has a tonic effect on the kidneys as well. There is also Bell’s Kidney cleanse and Function Tea. Dandelion and Stinging Nettle add their own pep as well to the kidney cleanse treasure trove. Chanka piedra crushes kidney stones. Amazing KD-CL prevents and crushes kidney stones. We cannot forget that great herb Cilantro and, of course, Asparagus and the Red Kidney Bean Pod. Asparagus has been reported often to be so high in Glutathione, one of the body’s leading natural antioxidant that it is believed to kill cancer cells.

    In an earlier column on Asparagus, I wrote: “…it has been linked with many health benefits which include fertility, relief from premenstrual syndrome, cancer, diabetes, hang-overs, cataract, rheumatism, tuberculosis, depression, neuro-degenerative diseases and convulsions…”

    As for Red Kidney Bean pod, it has had a centuries-long reputation for helping to resolve bad kidney conditions which cause water-logging, and relief for hearts troubled by this condition.

     

    Malaria

    Malaria fever damages red blood cells. Falciparum, the culprit malaria fever parasite, targets them for destruction. People who bear the AA gene in particular are traumatised by anaemia of this origin. But, happily, falciparum is easily destroyed by the water extract of Lemon grass, according to studies by the University of Lagos College of Medicine and the Federal Institute of Industrial Research, Oshodi (FIIRO). The good news is that, today in Nigeria, Lemon grass is now available in powder form, no longer as leaf cuttings. The powder can be used as tea or added to foods such as pap, rice, beans, porridge e.t.c. Apart from its anti-malaria effects, Lemon grass is also an immune boosting herb. Europeans know about this and are wise enough to include it in products such as Spectragreen or Superior Greens, a warehouse of the powders of about 42 green plants.

     

    Bleeding

    Many people lose blood through internal bleeding without knowing they do. Such bleeding may come from stomach (peptic) or duodenal ulcer, intestinal ulcer (occult bleeding), internal piles, polyps, diverticula or cancers in any part of the body. Some women bleed so heavily from uterine fibroids and endometriosis. They almost have no energy left for anything. Such people may help their conditions through the use of astringent herbs such as the Touch Me Not (Mimosa Pudica) plant, Apple Cider Vinegar, Stinging Nettle or iron and blood replenishers as Jobelyn, Stinging Nettle, Beet root, Blood Root.

     

    Nutrients

    The quality of the food we eat is closely related to the quality of our blood. The average red blood cell lives for about 100days. It is important that, as they expire and are broken down, they are replaced, otherwise a shortfall may occur. The red blood cell requires anti-oxidant protection to enable it live to ripe old age as it were. Vitamin E provides such protection. But many diets are deficient in Vitamin E. These days, vegetable oils dominate the oil intake, and the more the vegetable oil consumption, the more the amount of Vitamin E required to protect these oils as well against deterioration. People who exercise vigorously need more Vitamin E than moderate exercisers. And when it comes to buying Vitamin E, many people can hardly tell their right arm from the left. They go for cheap brands which are usually derived from petroleum residues. These are the dl-alpha tocopherol brands. The natural brand is the d-alpha tocopherol brand. Note the difference…there is no l after the d in natural Vitamin E. Even natural Vitamin E splits into four groups…alpha, beta, delta and gama. They are all tocopherols and are better when the supplement E contains them all as mixed tocopherols.

     

    Diabetes

    Elevated blood sugar or diabetes on its own does not appear to cause anaemia. It is the complications it brings about that do. At least three of the complications forment this trouble. Diabetes damages the kidneys, sometimes causing kidney or renal failure. As already stated, a diseased kidney may be unable to produce adequate amounts of erythropoietin and this may make the bone marrow to be unable to produce enough red blood cells. Secondly, diabetes damages the nerves as well! Red blood cells are produced on the basis of need or demand. Demand or need is signalled or communicated to the bone marrow through nerve impulses or flow. When the nerves are damaged, they can hardly pick signals or transmit them. Thus, they may become incommunicado. Thirdly, some anti-diabetic drugs are known to interfere with red blood cell production if they are taken over a prolonged period of time.

     

    Drugs

    Some pharmaceutical drugs endanger the mechanism for red blood cell production. Towards the end of the 1980s or early 1990s, one of my Juniors at Olivet Baptist High School, Oyo, in the 1960s died of the complications caused by the use of such drugs. He was a vocal, nationalistic Nigerian who worked with a French-owned company in Lagos. The French did not like his mien and, so, transferred him to Maiduguri, at the opposite end of the Nigerian map, to “ool” him off. He came to Lagos about two times a month to see his young family that he left behind. On one of those travels back home, he drove his car into a ditch and was seriously injured. Fluid built up in his lungs. He was admitted to the Lagos University Teaching Hospital (LUTH) at Idi-Araba. In the wisdom of his doctors, he was given the drug Chloranphenecol. The drug was said to have caused him bone marrow problems from which he did not recover. He could not produce enough red blood cells to support his life. In the end, he could not produce any. This condition is called aplastic anaemia, and the end result is death.

    Since his death, I have approached pharmaceutical drugs with caution, nay, fear. I feel sorry for many Nigerians who know next to nothing about them, or who do not ask their doctors for the side effects of their prescription drugs. They do not know that, because doctors know of the negative sides of these drugs, they seldom take them. It is worse for those Nigerians who find that the prescriptions of their doctors work for them but do not return to these doctors for re-fills. To cut off consultation fees from their health bills, these ignorant Nigerians patronise the road-side drugs kiosks, not even pharmacies. Here, they may buy fake drugs, expired drugs or functional drugs of dosages different from their doctor’s. To worsen matters, these drugs may not be used in conjunction with other drugs the doctor may have previously prescribed, or they may be used for longer than is desirable and safe. And when their ignorance begins to take its toll, and they are becoming tired from tired blood or low blood count, they reach out for iron-leased blood tonics when iron-deficiency anaemia may not be their primary problem. Thus, increased iron load in the body causes a high ferratin load, pains all over the body and possible liver damage.

     

    Candida

    Fungal and yeast-like, this parasite inhabits various parts of the body as a part or member of the natural flora or family. It inhabits the mouth and the throat, the intestine and, in women, the vagina. Friendly bacteria prevent candida from overgrowing its own population to the detriment of its host. But certain situations encourage it to expand the colony. One of these is the obsessive consumption of pharmaceutical drugs. These drugs kill the friendly bacteria, thereby giving candida the right of way to expand its colony. The consumption of refined sugar, elevation of blood sugar as in diabetes and a diet overloaded with carbohydrates, among many other scenarios, support candida overgrowth. This situation is the origin in some cases of many of the intestinal and other health challenges prevalent in Nigeria today. Where candida succeeds in damaging the protective lining of the intestine and crossing into the bloodstream, it may settle in any organ. Where many organs are involved, a condition known as systemic candidiasis may arise. The organs become sick, tired and devitalised. If they suffer an injury and candida hides in this, a cancer may be on the way. Some doctors have written books suggesting that “cancer is a fungus”. In the brain, candida may cause fogginess, insomnia, mental disorders, mood swings and so on.

    When candida-infested blood is examined under the dark field microscope,  the presentation is frightening. Cordinarily, uninfected blood presents a full spectrum reddish landscape. In the infected blood, there is a presentation of white patches interspersing the reddish topography. The red blood cells are not moving energetically. They are weak, almost moribund. In a blood check, doctors talk about haemoglobin and hematocrit. Hematocrit is the percentage of red blood cells in the blood specimen. In candida infestation, the hematocrit percentage is below normal. This equates a condition of anaemia. To restore normalcy, the overgrown candida population must be brought within normal bounds and the hematocrit expanded or regrown. Many herbs help to kill candida. The ones often mentioned in this column include Golden Seal root, Pawpaw leaf extract, Mango seed extract, Oregano, Grape seed extract, Black Walnut hull, Aloe vera, Kyolic garlic etc. A proprietary blent I have found very reliable is AMAZON A-F. It warehouses some Amazon forest herbs well researched clinically for their anti-fungal and anti-candida activities. As a candida-infested blood or tissue is often found to be de-oxygenated, the use of oxygen tablets or other oxygenating agents is suggested. The green herbs have oxygen in their molecular structure which should help. Jobelyn, arguably Nigeria’s most studied herbal blood formula, has proven itself to be one of the world’s, if not the world’s only fasted grower of the hematocrit. It has demonstrated in many studies that it can do the job from the first 24 hours of its ingestion.

     

    Sickle cell

    Arguably, this is where anaemia is most easily evident. The sickle cell challenged person is off the tracks when bitten by mosquitoes. Malaria fever steps in easily. Free radicals, too, easily have a free day, damaging red blood cells that are not picking up and transporting adequate amounts of oxygen in the first place. These cells do not live for more than 50 or 60days or half their lifespans if left alone, unprotected. Vitamin E offers helpful protection. So do other antioxidants such as Vitamin A, Vitamin C, Selenium, Zinc and Manganese. Selenium and Vitamin E work like cousins. A decade or so ago in Nigeria, we enjoyed the benefit of Selen-E, a combination of Selenium and Vitamin E supplement from Schiff in Europe. Zinc helps to fence off heavy metals harassment of sickle and normal red blood cells. Yarrow, a resolver of female problems, is one of the herbs most friendly with the bone marrow.

    So much more is tied to haemoglobin, blood count, anaemia…and all that, that only a blood specialist, an haematologist, would be able to give us a bird’s eye view of it all. For me, the lesson I have learned is to consume as much of the healthy greens as I can. Obeying the command of Mother Nature, they have encapsulated for us everything that is required to form haemoglobin. Four scientists won a Nobel Prize for discovering that the Chlorophyll of the green of the plant and the haemoglobin have the same structure…Hydrogen, Carbon, Nitrogen and Oxygen except that Magnesium binds this structure in Chlorophyll whereas Iron binds it in haemoglobin. So, when we eat or drink green, we recharge our blood. For the body simply removes the Magnesium in Chlorophyll and replaces it with iron. I will ever remember that article in this column long ago titled…Let’s drink green…the earth is not green for the fun of it.

  • FIRS introduces six online tax solutions

    FIRS introduces six online tax solutions

    •Fowler: innovation represents revolution in tax administration

    The Federal Inland Revenue Service (FIRS) has introduced six key electronic solutions (e-Services) to enhance convenience, transparency and round the clock processing and payment of taxes.

    Some of the e-Services, which could now be accessed online, are taxpayer registration (through e-Registration); payment of Stamp Duties (through e-Stamp Duty); payment of taxes (through online payment: e-TaxPay, Remita); receiving of electronic receipt after payment of taxes (through e-Receipt); filing tax returns online (through e-filing) and online Tax Clearance Certificates (TCC) through electronic Tax Clearance Certificate (e-TCC solution).

    Executive Chairman Tunde Fowler, who explained this in Abuja, said the e-Services innovation represent “a revolution in tax administration in Nigeria”.

    “The idea behind the six ICT solutions is to make tax payment as easy as ABC, to bring convenience to our taxpayers. The ICT solutions, which we are bringing to the doorsteps of taxpayers, will ensure that taxpayers could pay, get receipt and get TCC from the comfort of their homes and offices anytime, anywhere in the world and round the clock. This saves the time of taxpayers, it is transparent, fast, easy to use and convenient,” Fowler said.

    According to FIRS, the implication of e- Receipt, for example, is that when tax payments are made, an electronic notification will be automatically sent to the taxpayer’s email and or phone number within 24 hours after payment.

    “If for any reason a taxpayer loses the print out, they can access FIRS e-Receipt platform by log in into the FIRS website and download their receipt. This process eliminates manual interventions.

    The e-TCC provides an e-repository of all Tax Clearance Certificates (TCCs) issued by FIRS. It enables FIRS Staff and authorised third parties to obtain their TCC online without visiting a tax office. E-TCC reduces incidence of fraudulent certificates.

    “E-TCCs are automatically sent to the emails of taxpayers. Taxpayers can also request for and print their TCCs online.

    Fowler said the introduction of the new solutions is one of the key steps to make FIRS services convenient, easy and available everywhere and at all times.

    “It is a revolution in tax administration that combines innovation, convenience and transparency,” the FIRS Chairman said.

  • Pension complaints and solutions

    MRS IFON: My name is Mrs Emana Joseph Ifon. I retired from the National Iron Ore Mining Company, Itakpe. Since Ptad took over our pension scheme, I have not been paid. It is one year and five months – 2015 August to last December. My file number is 377. I did my verification in April, last year, yet, I have not been restored nor paid my pension. Please find out why this is so. Thank you.

       PTAD: Dear Mrs. Ifon, your name was not found on the payroll inherited from National Iron Ore Mining Company, Itape in 2015. The omission from the inherited payroll resulted in your not being paid your monthly pension from August 2015. On receiving  your complaint last month, we processed and payrolled you. You will receive your outstanding pensions from August 2015 to last March  (arrears) in April, this year.

    PTAD is yet to conduct a verification for parastatal pensioners. An official announcement will be made for the commencement of parastatal pensioners.

    Kindly exercise patience.

     

    OJEMEH: I am a retiree of the Federal Ministry of Housing and Urban Development. For over three years, they stopped my pension. I have sent all required documents to the pension office in Abuja, but till date l have not heard from them. Please I need your assistance because l am on sick bed. Thanks.

     PTAD: Dear Mr. Ojemeh, to enable us resolve your complaint, additional information is required. Please provide the following documents: Letter of first appointment, letter of last promotion; letter of retirement; stamped and signed original bank statement on the bank letter head, covering at least six months before complaint or six months prior to retirement (for non-payment of gratuity) to date.

    Kindly email these documents to complaints @ptad.gov.ng<mailto: complaints@ptad.gov.ng> or access our pensioner’s complaint submission portal at www.ptad.gov.ng<http://www.ptad.gov.ng.

    You may also visit any of our zonal offices where complaints can be processed. For more information contact us toll free on 080-2255-7823 (080-CALL-PTAD).

     

    OGUNDELE: I retired in 1995 and received my federal share of pension up till August 2010, when it was stopped without any reason. I visited PTAD in Abuja after several letters. I was asked to submit my documents, which I did about two years ago.

    But up till now, I have not received anything from PTAD.

    Please help me – Michael Olayiwola Ogundele, Kwara State government retiree.

    PTAD: Dear Mr. Ogundele: To enable us resolve your complaint, we need your full name in additional to the following documents: Letter of First appointment, letter of last promotion; letter of retirement; stamped and signed original bank statement on the bank letter head, covering at least six  months before complaint or six months prior to retirement (for non-payment of gratuity) to date.

    Kindly email the above document(s)to complaints ptad.gov.ng <mailto:complaints@ ptad.gov.ng> or access our pensioner’s complaint submission portal at www.ptad.gov.ng<http://www.ptad.gov.ng. You may also visit any of our zonal offices where complaints can be processed.

    For more information contact us toll free on 080-2255-7823 (080-Call-PTAD).

     

    ABBE: I retired in 1999 and received my gratuity 10 years later. Unfortunately, my monthly pension was not paid.

    After the 2015 verification, PTAD started paying me my monthly pension from November 2015 till date, but all arrears since 1999 were not addressed/paid.

    Kindly assist me. Thanks. God bless – Abbe Wilson Narura. Pensioner Verification No. 1461651242. Nigeria Immigration Service.

     PTAD: Dear Mr. Narun: Kindly provide a stamped and signed original bank statement on the bank letter head, covering your date of retirement to October 2015 to enable us ascertain your complaint of non-payment of monthly pension arrears.

    Kindly email the above documents to complaints @ptad.gov.ng<mailto:complaints

    @ptad.gov.ng> or access our pensioner’s complaint submission portal at www.ptad.gov.ng<http://www.ptad.gov.ng>

    You may also visit any of our zonal offices where complaints can be processed.

    For more information contact us toll free on 080-2255-7823 (080-Call-PTAD).

     

    OKOYE: My mother, Mrs Okoye’s federal share of pension and gratuity has not been paid since she retired from Anambra State Ministry of Health in 2003.

    She has gone for series of verification while complaining of not been paid.

    Sometimes, pension officials would call, informing her that she would be paid yet, this was not to be.