November 2013 Edition by Nigerian Canadian News

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tarting next July, Canadian banks will be required to ask anyone opening a new account if they are now, or ever have been, an American “person.” It comes at the behest of the U.S. government and its efforts to “smoke out” tax dodgers. The Foreign Accounts Tax Compliance Act, or FATCA, was passed by the U.S. Congress in 2010 and comes into force July 1, 2014. The law forces all banks and other financial institutions outside the U.S. to search for customers who have certain “indicia.” Those are markers that show the person may be a U.S. citizen or a former permanent resident who,

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race yourself for a spirited and, at times, probably uncivil debate as Edmonton police prepare to introduce a hijab option for its uniform in a bid to recruit Muslim women. The National Post reports the Edmonton Police Service plans to include the hijab as optional headgear as early as next year. "Several prototypes have been

created and are now being tested to ensure officer safety and other considerations," the department said in an news release. "It is important that anyone who has a calling to serve and protect Edmontonians, and who passes rigorous police training standards feel welcome and included in the EPS." continued on p(43)

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EDITORIAL

Handling Leadership Nigerian and Canadian styles In a bid to bring more money into the coffers of the government of the U.S, a new U.S law is threatening to breach the privacy of Canadian citizens and residents. The law may, from July 1, 2014 force all banks and other financial institutions outside the U.S. to scour the records of all of their customers with more than $50,000 in an account. Canadian banks, insurance companies, all securities dealers, large credit unions may now be forced to give their customers’ financial records to the Canada Revenue Agency. However, the Canadian government would almost certainly need to introduce a new law or amend existing ones to allow financial institutions expose their records. It’s not clear how that can be done without running afoul of the Canadian Charter of Rights and Freedoms. While the U.S is crossing her borders to Canada and the rest of the world to look for what she believes belongs to her, Nigeria is still trying to know how much she earns from her resources. The CBN is being challenged by a Governor to account for Nigeria’s oil revenues. Governor Babangida

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Aliyu of Niger State is urging the Central Bank of Nigeria (CBN) to account for the shortfall being experienced in the federation account since May. He expressed regrets that nobody had been able to say how much was actually accruing to the country from oil daily. Mr. Aliyu also added that the Nigerian National Petroleum Corporation (NNPC) had in the last six months returned less the actual income due to be shared between the local, state and federal governments. If the government cannot account for her income, no wonder that it cannot provide basic amenities for our people. You may be bewildered by the experience of a new comer to our cities. Such was the experience of Chidi Ekwebelum who had arrived in Lagos to resume duties at the Lagos office of the company he worked for. First, he had to pass the night in cramped arrangements with his uncle and family of five in a single room; and then, at dawn, he was confronted with many tenants spilling out of the other rooms in a mad rush to make use of the facilities. He counted 17 children playing within the narrow cor-

ridor of the building. Further shocks awaited him the next morning “when he ventured a timid peak into the lone toilet that catered for the inhabitants of the building”. It didn’t have a door, and the state of the place almost made him to vomit. So is the state of the nation where the leaders are still grappling with corruption in high places. But here in our adopted country, the JOB of checking the excesses of our elected politicians involves all citizens. In Brampton the current question is by Chris Bejnar, a spokesperson for the group Citizens For a Better Brampton, who challenges the bumper pay of Brampton’s Susan Fennell, the highest paid mayor in Canada. The group questions salary and benefits totaling $245,833, plus car and driver allowances, compared with just $172,803 for Toronto’s Rob Ford. They further query why the mayor of Brampton should make more than the premier of Ontario ($209,000 in 2012) the mayor of Toronto or the mayor of Mississauga?” Fennel points out that Ford heads a city more than five times the size of Brampton, and argued that Fennell should be showing

better fiscal leadership while many of her citizens are struggling in the wake of a recession. Another interesting but rather crucial and delicate debate will soon engulf not just Edmonton, who is bringing up the issue of religious tolerance by her action, but the whole of Canada. We hope the debate would be handled with care and civility. The news is that the Edmonton police are preparing to introduce a hijab option for its uniform in a bid to recruit Muslim women. Edmonton Police Service may include the hijab as an optional headgear as early as next year. And it’s not the first Canadian police service to introduce the headscarf worn by many devout Muslim women. The Toronto Police Service opened the door to hijabwearing officers in 2011 and has actively worked at recruiting female Muslims to the force. Some of the questions that would be raised have been raised before; such as “Do Muslim police officers reserve the right not to work with the Canine Unit, given that many Muslims consider dogs ‘unclean?’ and “Will ham sandwiches be banned from

police stations due to dietary restrictions?” What gladdens our hearts, however in NCN is that we always have the hope that civility would reign in Canada. And with the means of our paper we are making our own contribution towards similar situations in our native land where “though tribe and tongue may differ, in brotherhood we stand”. And in closing this editorial we bring what you may regard as a light thing but if you do not take necessary precautions may turn serious. It is the issue of how to prepare to behave on a Nigerian High table. Elnathan John advises you to always ask who will be in the audience. You should drink with ‘panache’; use an ipad or nothing. Make sure you use the toilet before you get on and beware of that guy in the audience whose sole aim is shine at your expense. But most importantly always carry money for photographs (or warn them not to take your photo). All these may bring a smile to your face, but you would be more sober if you read this report. And there are many more in this edition that will make your preparation for Christmas most interesting. Happy reading.

Community, Participation and Service

Contributors Pastor Taiwo Odubiyi (USA) Richard Meseko Akadu Frank Ofili - Nigeria Agathar Edo Dima Ugoh

These three concepts are all related. They deal with human relations beyond the common quest for career or earning a living. Community keeps all together. After all, humans are naturally gregarious. Participation and service define our contribution to community or society in which we live in. Ideally, participation should be selfless. It is selflessness that elevates participation to service. Know as a general rule that participation and service are thankless. So, if you are looking for acclaim and worldly recognition simply, then think again about your motive for getting involved. Yet participation and service are so very important for all communities and all societies. It is very much needed in our Nigerian community—a community seeking to find meaning within the greater Canadian society. Our participation is important for the sustenance of the community. It is also important that we contribute to Canada in every way we can. That demonstrates our pride in our new country and our confidence that what we do here matters to all. Participation is very im-

portant for our young people. Through participation, young people direct their exuberant energy and creativity to the more important task of helping others. Thus they will be helping to build their communities as opposed to becoming vectors of destructive force. Such a constructive approach to life is so very important to a growing Nigerian community trying to find its feet and to establish a more enduring legacy of positive contributions in the wider society. Participation is also important for elderly adults. After experiencing the workaday career life, they surely will find it rewarding to get involved in new and more powerful ways. Service is the fruit of elevated consciousness and a superior goal of human relations. Through participation, our elders will find fulfillment and happiness they might have been seeking in their younger life. There is no more important way for seniors to find greater meaning in their lives after their paid work life than selfless service. Overall, participation makes the world go round, figuratively speaking. It is one of the major reasons

why President John F. Kennedy established the Peace Corps in March 1961–to help young people to have an important idealistic purpose and to find meaning in their lives. Idealists, indeed, are saviors of the world! This is the defining moment for volunteerism in the world! People are volunteering more than ever before. The peace corps, for example, is still involved, today in about 140 countries today. When major disasters strike, volunteers come to help from all over the world. Therefore, don’t stay on the sideline. Get involved. Per chance, you may discover great things about yourself. Service is selfless work. Selfless work and a career are fundamentally different in their concerns, motivation and orientation. You need both. Career is mostly for a specific time of life. Volunteerism and missions in life are to the end of life here. In a broader context, the question of service has to do with what you want to do for others, for the world as opposed to what you want to do in the world for your own personal gain. No doubt you need work for your own survival and for the survival of your fam-

VOLUME 8 • ISSUE 11 • NOVEMBER 2013

ily. Career has its focus on building a good income and self-image in society. You need that very much. It provides an avenue for the expression of your talents. But you should aim to go beyond career and self-aggrandizement. Service is not self-centered. It focuses on the needs of others. Therefore, it is the true work of eternity! There is always a unique service you can give to the world! And the wonderful thing about service is this: it does not require any special training or qualification at all. As Dr. Martin Luther King, Jr. said, anyone can serve. Through service, you enhance the radiance of the Spirit. Finally, know that “selfless” work, which may turn out to be your true mission in life is built on the foundation and inspiration of the Fourth to the Seventh Light (“the light of a thousand suns”). You may indeed feel this is something you are called to do, the reason for your being here on earth. For that reason, you have more fun doing it. It is, as such, more enduring. In doing it, you are not concerned about the ego-idea of image, self-

importance, worldly power or control over others. Here, you are the servant in the true sense of the word, just as Jesus did. Only indirectly, through service, you may leave a remarkable footprint in the world. Just as Gandhi, or Mandela or Dr. Martin Luther King, Jr. did. Their prominence was not their motivation. It is the byproduct! You need not seek to any of these individuals. Just be yourself. You have your own work cut out for you here. Finally, as a community, we should have interest in the examples of great people with elevated spiritual consciousness. Their ideas and contributions moved the world forward in a special way. We all shelter in their idealism. Dr. Sam Ifejika Freelance writer. Note: www.cosmojunction.com Envy is the art of counting the other fellow’s blessings instead of your own.

—Harold Coffin–

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HEALTH & WELLNESS HEALT H I S W E A LT H , TA K E C A R E OF YO URS

Disclaimer: In no way are any of the suggestion herein meant to take the place of advice given by a licensed health care professional. Please always consult your doctor before commemcing any medical treatment.

15 Best Vitamins For Women Nowadays women are more health conscious than what they were some decades back. Women who are responsible for bearing children and for rearing them, need to look after their health not only during the child bearing years but even after that in order to prevent the onset of ailments like breast cancer. Women are often found to neglect their health as they cater to the needs of their family. However, women are slowly realizing that they need to take in a wide variety of fruits and vegetables which will provide them different vitamins and minerals for staying healthy. Vitamins are essential chemicals which are necessary to help the body function properly. As one ages, it is necessary to increase the intake of vitamins not only for younger looking skin as well as ensuring good health and a fortified immune system. The Top 15 Vitamins For Women 1. Vitamin A Vitamin A is known to have many beneficial properties for women. Benefits  • Vitamin A has anti oxidant properties • This vitamin helps to rebuild and strengthen the bones, skin, soft tissues, teeth and mucous membranes  • Eye sight is improved • Aging process is slowed down • Immune system is boosted  Fruits and vegetables rich in vitamin A are: • Spinach  • Whole eggs • Liver  • Milk • Papaya • Red peppers  • Kale • Peach • Fortified cereals  These amongst others should be made a part of one’s daily or weekly diet. 2. Vitamin D This vitamin is a fat soluble vitamin that is obtained mainly from sunlight as well as certain types of food items

Canned foods are carcinogenic, expert warns By Vincent Ehiabhi

like: • Fatty fish  • Milk • Eggs • Liver Benefits • It is known to activate calcium and phosphorus which are the minerals required to keep the bone strong  • The risk of multiple sclerosis is reduced • Cancer, rheumatoid arthritis and other ailments like depression are resolved by stepping up the dosage of vitamin D • It is known to reduce the symptoms of PMS.  One should increase their exposure to the sunlight daily in order to prevent bone diseases like osteoporosis. 3. Vitamin K This vitamin is known to play a major role in the human body in different ways. Benefits • It will help to promote strong bones • It helps to maintain normal blood clotting function in people • It helps to reduce the risk of different kinds of heart disease It is known to help fortify the immune system as well as provide energy The main sources of vitamin K are: • Green, leafy vegetables  • Soybean oil  • Fish oil • Whole grain food products  As one ages, vitamin K is necessary in maintaining the bone health as well as normal blood functions. 4. Vitamin B6 Vitamin B6 is also known as pyridoxine and it is known to

promote many vital functions of the body: Benefits  • It helps one to enjoy a healthy immune system  • It helps to produce particular hormones and brain chemicals which in turn can help reduce depression, memory loss and heart diseases • It can even help to maintain the blood sugar levels  • Pregnant women need to have vitamin B6 whose lack of presence can lead to anemia and morning sickness  There are many food groups that one can take up to increase the level of this vitamin in their system:  • Meats • Bananas • Beans • Oatmeal • Seeds • Fortified cereals Avocado  •Fish 5. Vitamin E Vitamin E is known to contain many beneficial properties for the human system, especially for women. Benefits  • This vitamin helps to promote anti aging properties which is of great benefit for women • It can help to fight cell damage that is related to aging  • It can even prevent heart disease  • It can prevent the formation of cataracts  • Other benefits are prevention of memory loss and certain cancers.  If one takes up food rich in this vitamin they will be able to enjoy healthy skin and hair. It is included in most skin

continued on p(17)

An expert in cardiovascular diseases from the University of Ilorin Teaching Hospital, Prof. Ibrahim Katibi, has cautioned Nigerians to try as much as possible to stay away from eating processed foods as it has high risk of causing cancer. Katibi said this on Tuesday in Ilorin, He said that cancer was the second leading cause of death after cardiovascular disease both in the developed and developing countries. “Processed foods such as canned foods, and those containing chemicals and additives should be cut off our diet as it poses high risk of cancer; manufacturers add all these preservatives to prolong their shelf lives making them dangerous for consumption.” “Nigerians should also avoid saturated fats from red meats, such as hamburger or steak, and high-fat dairy products as they are also linked with several cancers, causing an increased risk for cancers in the breast, colon, kidney and gall

bladder,” Katibi said. The cardiologist said that alcohol consumption also increases the risk of cancer of the oesophagus and stomach, especially when combined with smoking. According to Katibi, “exposure to electromagnetic radiation, invisible, high-energy light waves such as sunlight and X-rays, accounts for a small percentage of cancer deaths.” Among the 14,500 annual cases of cervical cancer in Nigeria, over 40 million women

are at risk. “The issue of cancer should not be left for government alone to handle, we as Nigerians should be mindful of what we consume and our lifestyle.” “People to need be aware of the symptoms and management as the commonest cases in the country were breast, cervix and prostate.” He urged the government to create more National Cancer Institutes to promote research and training in cancer. Telegraphng.com

How good night’s sleep cleans out gunk in the brain By Alicia Chang The Associated Press LOS ANGELES, Calif. – When we sleep, our brains get rid of gunk that builds up while we’re awake, suggests a study that may provide new clues to treat Alzheimer’s disease and other disorders. This cleaning was detected in the brains of sleeping mice, but scientists said there’s reason to think it happens in people too. If so, the finding may mean that for people with dementia and other mind disorders, “sleep would perhaps be even more important in slowing the progression of further damage,” Dr. Clete Kushida, medical director of the Stanford Sleep Medicine Center, said in an email. Kushida did not participate in the study, which appears in Friday’s issue of the journal Science. People who don’t get enough shut-eye have trouble learning and making decisions, and are slower to

VOLUME 8 • ISSUE 11 • NOVEMBER 2013

react. But despite decades of research, scientists can’t agree on the basic purpose of sleep. Reasons range from processing memory, saving energy to regulating the body. The latest work, led by scientists at the University of Rochester Medical Center, adds fresh evidence to a long-standing view: When we close our eyes, our brains go on a cleaning spree. The team previously found a plumbing network in mouse brains that flushes out cellular waste. For the new study, the scientists injected the brains of mice with betaamyloid, a substance that builds up in Alzheimer’s disease, and followed its movement. They determined that it was removed faster from the brains of sleeping mice than awake mice. The team also noticed that brain cells tend to shrink during sleep, which widens the space between the cells. This allows waste to pass through that space more easily.

Though the work involved mouse brains, lead researcher Dr. Maiken Nedergaard said this plumbing system also exists in dogs and baboons, and it’s logical to think that the human brain also clears away toxic substances. Nedergaard said the next step is to look for the process in human brains. In an accompanying editorial, neuroscientist Suzana Herculano-Houzel of the Federal University of Rio de Janeiro said scientists have recently taken a heightened interest in the spaces between brain cells, where junk is flushed out. It’s becoming clearer that “sleep is likely to be a brain state in which several important housekeeping functions take place,” she said in an email. The study was funded by the National Institute of Neurological Disorders and Stroke. In a statement, program director Jim Koenig said the finding could lead to new approaches for treating a range of brain diseases.

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Electricity, oil & gas facilities the most vandalised public properties in Nigeria The NOI Polls, released results of a survey that revealed that 61% of Nigerians believed that Nigerians had little or no regard for public property. Most of the participants in the survey (74%) believed that vandalism of public properties was very common in Nigeria; they also believed that the most vandalised public facilities were electricity installations (57%), oil/gas facilities (51%) and public buildings (32%). Participants believed that to effectively tackle these issues, the government would need to provide employment (58%), enlighten the public (15%) and increase security (13%). The destruction of vital facilities has been a problem affecting Nigeria for many years. The theft of important materials from electricity facilities to oil bunkering has set the Nigerian economy back severally. Putting us in the dark Recently, the vandalism of two major gas pipelines responsible for the supply of gas to eight power generation stations across Nigeria resulted in a reduction of power supply by 1.598 megawatts, causing a cut in power supply across the country. Over the past couple of years, power lines in different areas have been vandalised multiple times, interfering with power supply in different states across the nation. The affected lines were Benin-Ikeja West 330kV line, Abuja-Keffi 132kV line, Alaoji-Owerri 132kV line, Sapele-Benin 330kV line, Jebba- Shirioro 330kV line, Osogbo-Ayede 330kV line, Delta-SapeleBenin 330kV line, Oshogbo Ikeja 330kV line, JebbaSiroro 330kV lines 1& 2,

Oshogbo-Benin 330kV line

$600 million to secure oil and gas facilities. Experts have warned that if vandalism of power facilities in Nigeria continues, it would make it harder for the new power distribution companies to effectively improve the Nigerian power sector.

and the Benin-Ajaokuta 330kV lines 1& 2. Industries, small and medium scale businesses are being starved of power as a result of the activities of vandals The Minister of Power, Chinedu Nebo, stated at a stakeholders forum on the protection of national assets and infrastructure, that Nigeria was losing over 35% of her power generation capacity to vandals. “The power sector is hit in the most devastating manner and the effect of vandalism cannot be overemphasised as industries, small and medium scale businesses are being starved of power as a result of the activities of vandals,” he said. The oil sector has also suffered severe losses as a result of vandalism. A recent audit report by the Nigerian Extractive Industries Transparency Initiative (NEITI) revealed that from 2009 to 2011, Nigeria lost N134,126,921,724 to vandals and theft. The Nigerian National Petroleum Corporation (NNPC) is recorded to have spent over

Participants in the NOIPolls survey were asked five questions: 1. In your opinion, how well do Nigerians value public/government property? Results showed that most of the participants (61%) believed that there was little value placed on public properties in Nigeria; 26%, however, believed that public facilities were valued well and 13% said Nigerians valued public properties adequately. Results based on geopolitical zones The South-East zone (69%) and the South-West zone (67%) had the highest number of participants who believed that Nigerians valued government properties poorly. The North-East zone (52%) had the highest number of participants who believed that Nigeria valued public properties well. 2. To what extent do you agree or disagree that there is a high incidence of public property vandalism in Nigeria? Most of the participants (74%) believed that there

Chinedu Nebo

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Oil-change shop caught scamming customers: Marketplace investigation An Ontario chain of quick oil-change shops is upselling customers with unnecessary work and not performing services that customers have paid for, a CBC-TV Marketplace investigation has found. Economy Lube has 12 shops across southwestern Ontario. After speaking with former employees, tested Economy Lube’s service, with cars equipped with hidden cameras. The investigation uncovered a variety of problematic business practices, including aggressive upselling of services that cost hundreds of dollars and were not needed and work that was charged for but not completed. “Generally speaking, these places deal with volume, not necessarily a repeat customer,” mechanic Mark SachAnderson told co-host Tom Harrington. “Most people don’t know about their cars,” said Sach-Anderson, who’s been in the industry for more than 20 years. “All they can do is take somebody’s word for it. And if [shops] can show them a printout or something and it says, ‘Hey, this needs doing,’ who are they to dispute it?” Equipped with hidden cameras, sent in three people with test cars for a basic oil change to document the service at Economy Lube. All three cars had been extensively examined by SachAnderson, who checked and, where necessary, replaced all other fluids to

ensure that the cars only needed an oil change. Economy Lube advertises its oil change as taking 10 minutes and costing $20. Despite this low cost, all three testers were told that additional services were needed, including servicing the transmission system, a coolant flush, a flush of the brake fluid system and a flush of the power steering fluid. The costs of the recommended but unnecessary services ranged from $180 to $250. In one case, Economy Lube salespeople recommended replacing fluid that had just been changed, suggesting that the fluid smelled like it was burning. In some cases, the work was done improperly. The investigation also found that Economy Lube charged customers for some services but failed to perform the work. Mark Simchison, former fraud chief with the Hamilton police, said that this discovery is troubling. “If they are … receiving money for services that they did not perform, that you paid for, in all honesty, that’s fraud,” says Simchison. There is little recourse for consumers who fear they might have been ripped off, he says, as it would be difficult for most people to prove that fraud had taken place. “It’s a heads-up for consumers,” Simchison says. “Be wary of who you deal with.” Marketplace contacted

Economy Lube owner Stephen Moxey who denied that the shop failed to perform the services paid for, and said that any employee not doing work would be fired immediately. Quick change oil and lube shops are a more than $9 billion US industry in North America, with a number of competing chains offering similar services. Sach-Anderson says that the emphasis in some shops is on sales, not proper diagnosis of problems. “The reality is, they’re not technicians and they are not mechanics,” he says. “A mechanic’s licence is five years of on-the-job training and a minimum of three years of in-school training. These guys are straight out of high school, and when they’ve walked into these places, might not have known how to open a hood.” Sach-Anderson says more regulation is needed to protect consumers. Current regulations do not require that staff at oil change shops be licensed mechanics, and consumers may not be aware that salespeople are making recommendations about what services are necessary. If you’re unsure about the services being offered, Sach-Anderson says, make sure that any diagnosis is coming from a licensed mechanic who you trust. And knowing how often your car needs key services is also important.

was a high rate of public property vandalism. 14% of the participants did not agree that there was a high rate of vandalism and 12% were neutral. Results based on geopolitical zones The South-South zone (70%) had the highest number of participants who believed that there was a high rate of public property vandalism; the North-Central zone had highest number of participants who did not agree that there was a high rate of public property vandalism. 3. In your opinion, which public/government properties are most vandalised? Most of the participants (57%) said electricity facilities; 51% said oil and gas facilities; 32% said public buildings; 18% said roads,

11% said water facilities, five per cent said telecoms installations, two per cent said government vehicles and one per cent said public schools. Results across geopolitical zones The North-East zone (89%) had the highest number of participants who believed that electricity facilities were the most vandalised. The NorthWest (66%) and the SouthSouth (61%) zones had the highest number participants who believed oil and gas facilities were the most vandalised; the NorthEast zone (47%) also had a high high number of participants who believed that public buildings were the regularly vandalised. 4. In your opinion, what are the main causes of pub-

lic property vandalism in Nigeria? 33% of the participants said unemployment; 22% said poverty; 15% said poor law enforcement; 11% said illiteracy/lack of awareness; eight per cent said poor maintenance culture and 11% said “others”. 5. What suggestions do you have for reducing the incidence of vandalism in Nigeria? Most of the participants (58%) said provision of employment; this response is no surprise as “unemployment has been identified as the main root cause of vandalism”. 15% said public reorientation/enlightenment/ awareness; 13% said provision of adequate security; 11% said enforcement of laws and seven continued on p(22)

VOLUME 8 • ISSUE 11 • NOVEMBER 2013

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B.C. judge finds woman not guilty of human trafficking of young African woman By Dene Moore, The Canadian Press VANCOUVER - A wealthy British Columbia businesswoman accused of luring a young Tanzanian woman to Canada and forcing her to work as a virtual domestic slave in her multimilliondollar West Vancouver mansion has been found not guilty of human trafficking. B.C. Supreme Court Justice Lauri Ann Fenlon said in announcing her decision Friday that the testimony of Mumtaz Ladha's accuser was simply not credible. "I wsh to emphasize that this is not a case in which I am left with only a reasonable doubt about whether the offences occurred," Fenlon said. "I am left, rather, with the conviction that the allegations made by (the complainant) are improbable. On the evidence before me, it appears far more likely that the complainant took advantage of Mr. Ladha's generosity in order to come to Canada and then took advantage of an opportunity she saw to remain in this country, showing a callous disregard for her benefactor and the truth in the process." The verdict brought to a close a process that began more than four years ago when the complainant went to police. About two dozen of Ladha's friends and family erupted in clapping, cheers and tears as the judge read out her decision in the case against the 60-year-old woman. Ladha, in her customary two-piece suit, was stoic in the prisoner's box until after the judge left the courtroom, and then wiped away tears as she hugged her two lawyers. She was charged under the Immigration Act with human trafficking, employing a foreign national without authorization, and two counts of misrepresenting facts to immigration officials in applications for Canadian visas. The judge heard the

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woman worked for Ladha at a hair salon in Dar es Salaam, and she testified that she believed she was coming to Canada to work in a salon here. After she arrived with Ladha in August 2008, the woman testified, she worked 16 to 18 hours a day, seven days a week until she fled the home for a women's shelter in June 2009. Several witnesses testified to seeing the young woman carrying bags, washing windows or otherwise working around the house. "Their evidence is consistent with the complainant working as a maid, but it is also consistent with a house guest helping out while on an extended visit," Fenlon said. The judge laid out a litany of discrepancies and unlikely claims by the complainant, and several claims the woman made and then retracted on the witness stand when presented with photographic or other evidence. "I conclude that the complainant is not a credible witness in many respects," Fenlon said. On the other hand, the judge said Ladha's statement to police upon being informed of the allegations had the "unmistakable ring of truth." In it, she expressed shock and defended the complainant as "an innocent child who must have been pushed to do this."

Ladha had no motive for luring the complainant and forcing her into servitude, Fenlon said. "Mrs. Ladha is a wealthy woman, who has employed housekeepers in the past. Two testified at trial. They both signed contracts, worked eighthour days and were paid. Why would Mrs. Ladha suddenly need to bring in a foreign national to work 18-hour days without pay?" Fenlon asked. "In contrast, the complainant had a motive to lie about her circumstances so that she could remain in Canada." Ladha declined requests for an interview following the verdict. Her lawyers said she wanted to celebrate with her family and put the ordeal behind her. Eric Gottardi, one member of Ladha's legal team, said the judgment was a complete exoneration. "There shouldn't be, and there aren't in the mind of the judge, any lingering doubts about what took place in this case," he said outside the court. Just the allegations of such a serious crime can have immediate and long-lasting impacts on accused people, he said. "It's been horrible for her and the entire family. This is a very emotional day. It's a day that's been a long time coming."

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Bell TV says damaging credit checks are ‘standard procedure’ Bell TV says credit checks on customers are “standard procedure,” despite concerns it could damage people’s credit ratings. A Nova Scotia man won a $21,000 case against Bell TV this week because the company checked his credit without his permission. “Credit checks protect customers from identity theft and companies from fraud and they’re standard procedure for most service providers, including Bell,” spokesman Albert Lee said Friday. He said in the case of Rabi Chitrakar, the man who successfully sued Bell TV, the policy was unclear to the customer. “After he brought this to our attention, we apologized and retroactively waived all fees and contract obligations. When we hear about incidents like this from customers, we work to ensure that processes are well understood by our service representatives,” Lee said. Justice Michael Phelan of the Federal Court of Canada called Bell TV’s conduct

VOLUME 8 • ISSUE 11 • NOVEMBER 2013

“reprehensible” and said they’d give Chitrakar the “royal runaround.” 'A warning sign' Lawyer Mike Dull said Chitrakar’s case may have set a precedent. “What this decision does is serve as a warning sign to Bell and others,” he said. “If there's anyone else that's the victim of unauthorized credit check be it from Bell or other companies, arguably they would be awarded the same damages.” He said the landmark decision could change practices. “If Bell does have a common practice then there are certainly others out there. This award, times all those others, would have the impact of modifying behaviour,” he said. Audrey Wamboldt, a mortgage broker, said unauthorized credit checks happen regularly. "Once in every five or six clients I'll see credit inquiries on their credit bureaus that have been unauthorized," she said. Bell TV did not say if the

standard credit checks were authorized or unauthorized. Credit ratings are lowered if the person has had too many checks, regardless of their actual borrowing and repaying record. Checks put man's home at risk Brian Downey wanted to buy a bigger home for his growing family last year. The contractor thought he had good credit, but the mortgage deal almost went down the drain. He discovered one of the banks had pulled his record four times. He’d given them permission to do it once. The multiple inquiries deducted points from his credit score. His rating became so low he was considered a mortgage risk. “It felt a lot like begging. I was vulnerable,” Downey said. “It was terrifying. I was scared because we had a deal in place to sell our other house. Essentially we may have been homeless.” He managed to salvage his mortgage deal. msn.com

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Debt and Bankruptcy Warning signs of financial difficulty Recognising the warning signs of financial difficulty at an early stage is an important step toward preventing unmanageable debt. First, look at how you use your credit cards. Although responsible use of credit cards is acceptable, bad spending patterns can gradually result in a growing debt. Credit card warning signs include things such as only making the minimum monthly payments, sometimes missing payments, using your credit cards for necessity rather than for convenience, and borrowing from one credit card to make a payment on another credit card. Second, look at how you manage your money generally. You may be heading for financial difficulty if you are spending more than you are earning each month, or if you can’t keep track of what money you are spending, what money you owe, and when your bills are due. Further signs that you may be in financial difficulty may include that you: regularly bounce cheques; are always borrowing money to make it from one payday to the next; pay only interest or service charges monthly and do not reduce your total debt over many months; receive calls from a collection agency; regularly ask friends or family members for loans; have your utilities cut off (telephone, hydro, water); have cut back on regular budget expenses such as clothing and recreation, or necessities such as food; and are considering taking a second job in order to help pay your bills. What is personal bankruptcy? Filing for personal bankruptcy is a legal process that allows a person facing overwhelming financial difficulties to clear their debts and make a fresh start. Bankruptcy is not intended for people who intentionally or recklessly set out to defeat their creditors. Rather, it is intended for people who

have unexpectedly become unable to repay their debts. For example, they may have genuinely made some poor spending or borrowing choices, or they may have suddenly lost their job or encountered health or marital problems. To be eligible to file for bankruptcy, you must owe at least $1,000, you must not be able to pay your debts as they become due, and you must be unable to pay off your debts even if most of your assets were to be sold. In law, this means that you are insolvent.

Advantages and disadvantages of bankruptcy.

The main benefits of declaring bankruptcy are that you are no longer responsible for your current debts, you can make a clean financial start, you are protected from legal action and having your wages garnished, and you will not receive any harassing phone calls from your creditors. Also, it is a relatively quick and inexpensive process compared to other options. There are, however, disadvantages to bankruptcy, the main one being that your bankruptcy stays on your credit record for seven years. Also, you may be required to surrender some possessions to your trustee, you are required to keep detailed records of your income and expenses while you remain bankrupt, and of course, it means that your creditors will not be able to collect the money that you owe them. As a result, you will have difficulty getting a credit card or a loan after you have filed for bankruptcy. It will take a while before people trust you enough to lend you money again. This may not be a bad thing. If bankruptcy is due to misbudgeting or poor credit choices, this will force you to learn to live within your budget. If you have a steady income and you discover that your credit rating is satisfactory, you may be in a manageable financial position. Rather than filing for bankruptcy, you may choose to manage your debts, perhaps by con-

solidating them and making monthly payments on time. In this case, you may want to consider some alternatives to bankruptcy. Filing for bankruptcy is a difficult decision. Before deciding to go bankrupt, it is advisable to meet with a licensed trustee or bankruptcy lawyer to review your situation. Filing for personal bankruptcy Bankruptcy is a legal process, regulated by the Bankruptcy and Insolvency Act, by which you may be discharged from most of your debts. Filing for personal bankruptcy is a five to ten step legal process, depending on the specific circumstances. The whole procedure from the day you file for bankruptcy, to the day you are discharged from bankruptcy and your debts are cleared, is about nine months.  Step 1: Find and meet with a trustee in bankruptcy The first step is to find a licensed trustee in bankruptcy. A trustee in bankruptcy is a person licensed by the Superintendent of Bankruptcy to administer proposals and bankruptcies, and is often an accountant. The trustee represents your creditors and is an officer of the court. Once you have decided upon a trustee, arrange a meeting with them. To prepare for your meeting, you should gather together as much of your financial information as possible, such as your most recent credit card statements and loan documents. At your first meeting, the trustee will explain the bankruptcy procedure, evaluate your financial situation and help you decide whether bankruptcy is your best option. You may also discuss the trustee’s fee for handling your bankruptcy. Most charge in the range of $2,000-$3,000. This fee must be paid by the person filing for bankruptcy. If you do not have enough money to cover the fee up front, your trustee can make other arrangements with you. For example, the trustee may be able to collect the fee from your tax refund, continued on p(49)

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Immigration to Canada: Who Should Represent You? By Johnson Babalola and Tracy Ayodele

Immigrating to Canada can be a rather daunting endeavor; however, there are highly qualified professionals tasked with the responsibility of ensuring that your transition from your country of residence to Canada is as simple and smooth as possible. An array of professionals consisting of authorized immigration consultants, lawyers, Québec notaries, and paralegals regulated by a law society are the primary individuals able to offer immigration advice and services to applicants. Some applicants may opt to use any of these representatives to act on their behalf when dealing with Citizenship and Immigration Canada (CIC), the Immigration and Refugee Board (IRB) or the Canada Border Services Agency (CBSA). The choice is yours when selecting who you want to represent you, or if you want anyone to act on your behalf at all in an immigration matter. It is important to note, you are not re-

quired to hire an immigration representative. Immigration representatives typically fall under two streams, unpaid and paid. Unpaid third parties include friends, family members, and religious or non-governmental organizations who you may choose to act on your behalf. In reference to paid representatives, only the following individuals are able to charge a fee or receive any sort of consideration in an immigration application or proceeding: •Lawyers and paralegals who are members in good standing of a Canadian provincial or territorial law society. Please note that some provinces are yet to allow paralegals to represent clients in immigration matters; •Notaries who are members in good standing of the Chambre des notaires du Québec; and, •Immigration consultants who are members in good standing of the Immigration Consultants of Canada Regulatory Council. If you do in fact opt for a

What To Do Registration of Canadians abroad services, allow Canadians to be contacted and assisted in case of an emergency in a foreign country Vehicle Defects & Recalls Complaint about government services How to file a complaint against an immigration representative Child and family benefits What can I bring into Canada? Do you have a complaint about an Ontario government service?

paid representative, below is some useful information that will aid you in your decision. •Canadian immigration matters are increasingly complex and lawyers, with years of education and training, know the law and the right processes to follow for your application. •Lawyers, similarly to paralegals, are required to maintain a high ethical standard and are accountable to and regulated by a law society. •Typically, an immigration consultant is not a lawyer and is not governed by a law society. •An immigration consultant, similarly to a paralegal, assists with the completion of immigration application forms, provides advice, and so on, but is unable to speak on the behalf of a client at the Federal Court level, should there be a need to ask the Court to review a decision of the CIC, IRB or CBSA. In deciding on a competent representative, you may also consider the following factors: continued on p(50)

Where To Go www.travel.gc.ca www.tc.gc.ca www.ombudsman.on.ca

http://www.cic.gc.ca/english/information/ representative/complaints.asp http://www.cra-‐arc.gc.ca/bnfts/menu-‐ eng.html http://www.beaware.gc.ca/english/toce.shtml http://www.ombudsman.on.ca/contact-‐ us.aspx?lang=en-‐CA

Did you know……….

CANADIAN CHARTER OF RIGHTS AND FREEDOMS FUNDAMENTAL FREEDOMS Everyone has the following fundamental freedoms: (a) freedom of conscience and religion; (b) freedom of thought, belief, opinion and expression, including freedom of the

press and other media of communication; (c) freedom of peaceful assembly; and (d) freedom of association. Source: http://laws-lois.justice.gc.ca/eng/ const/page-15.html

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HOW TO BEHAVE ON A NIGERIAN HIGH TABLE By Elnathan John

Ok. I must say this: last Saturday was not my first time on a high table. In fact only last month, I represented a friend of mine who couldn’t make it to the Kaduna Polytechnic to give his speech. But this was the first time I was consciously engaging with the whole high table culture. I was delivering a speech on Identity and Politics in a Time of Crises. First let me say that the high table is for me a deeply uncomfortable experience. This is because I am a restless person and do not like being watched by a crowd like an animal in a zoo. Also I like to react to things and I have realized that it is a waste of time for me to hide how I feel about something or someone. My face tells all. So the high table is not the best place for me. However, I learnt a lot from last Saturday and instead of writing a glossy motivational book titled ‘How to be a Public Speaker in Nigeria’ or ‘Seven Habits of Highly Successful Naija Speakers’ and have my books sold at every hold up in Nigeria, I have decided, to risk poverty and share my thoughts with you for free. LESSON 1: ALWAYS ASK WHO WILL BE IN THE AUDIENCE I almost ran away when I walked into the hall and about a quarter or so of the hall was full of secondary school students- including students from a new Almajiri school. So that rendered nearly half of my speech unusable. Unfortunately one of the organizers saw me before I could sneak off and claim sudden illness. I had to instantly start mentally re-writing my speech. LESSON 2: DRINKING THE JUICE REQUIRES

SKILL Now I assume that the juice on the table is not for decoration, but when it comes to eating and drinking in front of 300-500 people, I get very shy. Thirty minutes into the event I suddenly got very thirsty. In front of me on the high table were a bottle of water, a pack of juice and a glass cup. Everyone else on the high table ignored them like saints avoiding sin. The people on the high table even avoided eye contact with the juice. With every passing minute my frustration and thirst grew. I tweeted while on the high table and got some useful suggestions like, ‘it doesn’t matter’, ‘the rest are also waiting for you to drink first’ and ‘drink the juice with panache’. The last one, by a fellow writer struck me. ‘Panache’. I checked the word on my Encarta dictionary and saw the definition: ‘dashing style: a sense or display of spirited style and self-confidence’. I practiced pouring with ‘style and self-confidence’ with my hands under the table. I concluded that I would be better off not bringing the whole body of writers into disrepute by a lack of panache. By the way, the juice promptly disappeared as soon as the event was over just when I thought I could finally have a quiet sip beyond scrutiny. LESSON 3: USE AN IPAD OR NOTHING

Everyone comes to an event with an iPad these days. Pastors, Imams and those who don’t own iPads. I tell you they wanted to make me feel small, all those iPad wielding people. And here was I cuddling my dear ACER notebook, Magdalene. I could almost feel Magdalene feeling fat and ordinary in the face of those sleek things. But she kept her head up, dear Magdalene. LESSON 4: USE THE TOILET BEFORE YOU GET ON I hope it’s not abnormal or anything, but I feel the urge to pee when I am nervous and when I am cold. I will google it to be sure. Anyway, the combined effect of nervousness about giving a good speech, frustration about the juice and the discomfort of so many eyes, I felt this urge to pee. When? Just when the speaker just before me was close to the end of her speech. Suddenly it felt like all the people in my village who were conspiring against my success had finally gotten to me. Gladly, the organizers came to beg me so they could sneak in a brief performance just before my speech. LESSON 5: BEWARE OF THAT GUY IN THE AUDIENCE WHOSE SOLE AIM IS SHINE AT YOUR EXPENSE So I gave the continued on p(50)

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Fifty residents; one bathroom Author(s): Chinedu Ozordi

He was fifth in line, on a queue at dawn, to use the sole bathroom in the 14room apartment in Mushin, Lagos. Chidi Ekwebelum had arrived Lagos the previous day, in order to resume duties at the Lagos office of the company he worked for; and was really bewildered with life in the city. First, he had to pass the night in cramped arrangements with his uncle and family of five in a single room; and then, at dawn, to be confronted with many tenants spilling out of the other rooms in a mad rush to make use of the facilities. “I arrived Lagos around 6pm the previous evening and as my uncle and I got to his house, I marvelled at the population of people staying in the compound,” he said. “I counted 17 children playing within the narrow corridor of the building. Before we turned in for the night, my uncle warned me to wake before 5am and put my bucket in line if I hoped to leave early enough. I was shocked.” He was also astonished when he ventured a timid peak into the lone toilet that catered for the inhabitants of the building. “As I waited for my turn to use the bathroom, I decided to see if I could use the toilet first, as there appeared to be no line waiting to use that one,” he said. “It didn’t have a door, so I wondered how the people who used it did so with privacy, but the state of the place almost made me vomit. It’s unimaginable!” Living like animals Lagos slums are renowned for their residential buildings constructed in a manner to fit as many rooms as possible into the available plot of land. These buildings, popularly known as ‘face-me-I-face-you’ are usually constructed with little considerations giving to adequate toilet facilities. In many instances, a building of as many as 20 rooms would have only one or two toilets. In more bizarre cases, no toilets are constructed at all; drawing the ire of Lagos State environmental authorities who routinely seal them up and haul their Living owners to court.  conditions in these ‘public yards’ are quite unhealthy. At the house that Mr Ekwebelum is temporarily staying, approximately 50 people live in the 14-room building and use one bath-

VOLUME 8 • ISSUE 11 • NOVEMBER 2013

room and toilet. There is no water; residents have to buy water from a commercial borehole some 100 metres away. The borehole is beside the sewage pipes of an adjoining building. Space is a luxury in these parts. “The landlord didn’t even bother putting a tap while building this house, obviously pipe borne water never reach to this area,” said Francis Ikeh, who lives in the same building. The walls of the building have what could be described at best as a nodding acquaintance with paint; a filthy gutter runs through the front of the building; the passage that leads into the gloomy depths of the house is so narrow that two people passing through it would have to rub shoulders; the rooms are big enough to hold a medium sized bed, and nothing else. “I don’t like coming home till as late as possible, and then leave early in the morning, just to shorten the time I spend in this horrible place,” said Mr Ikeh. His room-mate, Emmanuel Nwude, is more scathing as he sums it up. “We are just living like animals in this ghetto,” he said. They are disgusted at the appalling conditions that they live in but seem powerless to move into better digs, due to high rate of rent in Lagos. “I make (earn) N45,000 a month and have been trying to save to move into a mini (one bedroom) flat for the past two years, it hasn’t been easy,” said Mr Ikeh. “Most of these flats go for N150,000 (per year) and above, and the landlords demand for 2 years rent, then the agent will charge their own fee, my brother it hasn’t been easy.” His plight symbolises that of most new immigrants who arrive the city, and have no better places to establish a temporary abode. For some of them, temporary could be for as much as years.

“I have been ‘squatting’ with my senior brother since November 2007, when I arrived Lagos to start work,” said Vivian Badmus, an insurance marketer, who also leaves in a similar ‘public yard’ in Mushin. “I thought I would be able to save and move out of this horrible place within a year, but it hasn’t worked. Saving money in this Lagos is hard o! Transportation eats deep into my salary, but I hope to park out before this year runs out,” she adds. Although her compound is slightly better than Mr Ekwebelum’s; it is not as densely populated and has two bathrooms, she still has her own challenges. She has to wake up as early as 4am to have her bath so as not to be caught in the mad rush for the facilities when the other tenants start waking up; however, she has to pay a price. “Due to the fact that the tenants use the bathroom as urinal during the night, I have to wash and try to reduce the stench before using it that early,” she said. A city bursting at its seams A greater population of Lagos residents live in similar conditions; recent studies by the World Bank reveal that Lagos has 42 slums, with the figure outnumbering well managed neighbourhoods. Migration is a big issue in Lagos; the city has attracted millions of people seeking for a better life from Nigeria and beyond. The city’s population is currently estimated at 21 million, making it Africa’s largest city. This massive population is crammed inside a liveable area of 356,861 hectares, of which 75,755 are wetlands. With a population of 1.4 million as recently as 1970, the city’s growth has been massive. As the centre of Nigeria’s economy, Lagos continued on p(50)

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10 Wealthy People Who Never Worked A Day In Their Life There seems to be an ever increasing number of billionaires in the world today. Many people are curious about whether these billionaires have created their own wealth or if they have inherited it from their

families. The answer is actually quite complicated, since no two people have the same exact life story. But learning a bit about their background can tell us a lot about what these billionaires have done to

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though she could not officially claim the fortune until she reached adulthood in 2003. Among the many components of her inheritance, she was able to claim ownership over a Greek island known as Skorpios.

9. Lily Safra ($1.2 Billion) Lily Safra is a Monaco resident who had inherited her wealth from her late husband, Edmond Safra. Edmond actually died in

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an apartment fire back in 1999 and left his wealth to his wife. She has been notable for her many charitable activities. In 2012, she auc-

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8. Yvonne Bauer ($2 Billion)

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Though she acquired her wealth by inheriting the Bauer Media Group, she has taken steps towards making her presence felt. Yvonne Bauer currently works on the executive board of directors for the company. Since the com-

pany has had better than

expected earnings lately, she will likely be set to build on this wealth soon. The Bauer Media Group was originally founded back in 1875. Notably, it has recently acquired the Australian founded ACP Magazines company

7. Eduardo Hochschild ($2.1 Billion) This is Peru’s 4th richest man, though he has inherited the money from his uncle. His uncle helped to establish a successful mining operation in the coun-

try, which quickly generated a substantial amount of wealth. Eduardo Hochschild actually escaped a kidnapping at a young age. Unfortunately his father

was not so lucky, being gunned down by the kidnapper. Since he has inherited a stake in the mining company, h e has rapidly taken on a more active role.

6. Scott Duncan ($4.7 Billion) in the estate taxation law for 2010, Scott Duncan became the first person to inherit this much without paying estate taxes since their inception. Some wonder where the young billionaire will take the company next.

Though only 30 years old, he has already inherited an enormous amount of wealth and influence. He has recently obtained a Texas oil company, which has proven to be a very lucrative business. Because of a loophole

5. Finn Rausing ($5.1 Billion) Finn Rausing inherited quite a bit of wealth from the Tetra Pak company founded by his grandfather. This is a company

VOLUME 8 • ISSUE 11 • NOVEMBER 2013

based in Sweden that has cultivated a name for itself. This company has been dedicated to producing goods in

the country for decades now. He is actually the 5th richest man in the country, just behind his brother

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PASSION This Time Around (contd.) By Pastor Taiwo Odubiyi continued from last issue On Thursday morning, Antonio didn’t look for Misan in the hall as he had his breakfast. Even if she was there, he wouldn’t go to her, he resolved. At 9 AM, he went for the fellowship. Afterward, Ruth and some people came over to greet him. Misan did not. She left immediately. Antonio was surprised and put off. How rude could she be? He had gone out of his way to be pleasant, he sent a copy of the photograph to her and bought the bracelet, yet, she didn’t say a word to him. Who did she think she was? ********** Lying in bed in her room, Misan thought about the events of the day and eventually her mind went to Antonio. Then she remembered she had not thanked him for the bracelet. And she could have done that when she saw him at the fellowship but it skipped her mind. She felt disturbed. She would have to keep it in mind. Certain she would see him tomorrow, she told herself to make it a point of duty to show her appreciation. She wished she knew his room number. It would have been easier to call him on phone using the room numbers telephone directory, to thank him without any physical contact. On Friday, the following morning, the ship arrived at Jamaica. When Misan and Ruth went for breakfast, Misan searched for Antonio with her eyes but didn’t see him. As they left the vessel at 11AM for sightseeing, she expected to run into him but it didn’t happen. The final fellowship was on Saturday morning. At the end of it, she expected to see him where he usually sat but he was not there. Both surprised and disappointed, she asked Ruth, “Where’s your friend this morning?” Ruth glanced round. “I don’t think he came. He probably had other plans.” As Misan went to her cabin, she wondered where he was and what he was doing. ********** Antonio opened the door of his room and entered. He had been at the cybercafé, checking his e-mails and making telephone calls. He had called Jen his fiancée as well. He removed his shirt

to be going anywhere. He thought for a while.

Pastor Taiwo I.Odubiyi

Seeing Misan again had not helped matters either. She had been on his mind since he saw her on Monday. He certainly felt something for her - but what? Sighing, he shook his head. He couldn’t tell.

and pants and wore shorts before getting in bed. He flicked the TV on, searching the channels. He finally settled for a comedy about a nanny in a home. The nanny looked like Jen. When the comedy ended, he switched his thoughts to his fiancée. He had been going out with Jen, a professional model and an actress for three months before his conversion. When he became a Christian, he made her know that things would have to change and she agreed to be going to church too. He wanted to terminate the relationship but someone told him he didn’t have to if Jen was willing to go to church with him. And that was how they had continued seeing each other, leaving sex out. With time though, he had discovered something was not in place. They had misunderstandings a lot and he didn’t feel any attraction for her again. There had also been times that he felt she was only going to church to please him and not that she really wanted to. She was really trying to be a Christian though, he had to give that to her but something was missing. Twice he had thought of ending the relationship and when he told her, she convinced him that they should give it time probably things would improve but there hadn’t been much improvement. They didn’t have a lot of things in common too. They both had a love for the stage but that seemed to be the only thing they shared. He liked children, Jen couldn’t be bothered much. He told her he would like to have a number of children when they got married but she felt children would disrupt her career. She preferred her two dogs to kids. What should he do about the relationship? He wondered. If he terminated it, Jen would be hurt. He didn’t really want that but the relationship didn’t seem

He took a deep breath before he began to pray, asking God for guidance. He eventually drifted off to sleep and didn’t wake up until 8.30PM. He was late for the formal dinner on the 6th floor. He would go to the 11th floor later for some light meal. ********** Misan went to the dining room for the last formal dinner and was taken to the same table for four on the right side. The elderly couple and the lady were already seated. She frantically looked for Antonio. She needed to thank him for the bracelet; she must show she had good manners. Not seeing him, she felt disturbed. She hoped he wasn’t ill or that something terrible had happened to him. She also hoped she would see him in the morning while the passengers were disembarking from the vessel. After the dinner, she went straight to her room to begin to pack her things, in readiness for disembarkment the following morning. She planned to go to Houston in Texas to see her aunt before leaving for Nigeria. She felt gloomy as she moved around the room, putting her things together. She was supposed to feel relieved that she would not see Antonio again, she was going to be far away from him but what she felt was different. It was as if she had lost a part of her. By the time she woke up in the morning, the ship had stopped moving. She opened the door to the balcony and looked out. Yes, they had arrived back in Miami. She went back inside to take her bath and got ready to leave. Suddenly, the cruise director’s voice came loud on the announcement system to inform them to get ready to disembark. Misan phoned Ruth and they met by the elevator. Many people were already there, waiting continued on p(50)

Share a problem with Auntie Agatha

Our sex life died when my husband got born again Dear Agatha, Thanks for the advice you usually dole out to people, may God continue to grant you wisdom. Please help me before it is too late. I am in my mid 30s and got married seven years ago to a wonderful friend of mine. We actually dated for two and a half years before getting married. We have a son. At the time we got married, none of us was born again as we had very active pre-marital sex life which we both claimed we cannot get elsewhere since we both had relationships before providence brought us together. About two years into our marital life, my husband became born again, months later I had no choice but to follow suit. We both became active in the church, serving on different committees. We became a reference point in the church as we became the epitome of what the ideal couple should be. Unfortunately, the same thing cannot be said of us in our private life. Since becoming a born again Christian, my husband refuses to perform his duties to me as before. Initially we made love everyday and only went on break when I am having my period. We also experimented with different positions it was good and nice. After his new found faith, my husband does not care about me any longer, he believes there are better things to do than sleep with me. I am lucky if he agrees to make love to me once a month even at that I would have to cajole and cry before this and during the act he would say I should not hold him and he prefers a particular position where I can never achieve orgasm. Agatha, of what use is sex if I cannot enjoy it? I believe in the sanctity of marriage and the faithfulness of the parties concerned. But I am dying in silence, I am not a nymphomaniac but I believe I should derive maximum satisfaction from my husband. St. Paul’s letter to the Corinthians in I Corinthians 7:3-5 concerns intimacy between couples and how it should not be denied but this has not changed my husband’s attitude. Right now he has not made love to me in six months! He believes he has a calling and that sex will be a huge distraction to him. He is becoming so selfish and doesn’t

VOLUME 8 • ISSUE 11 • NOVEMBER 2013

Agathar Edo gatedo@yahoo.com agatha@gmail.com

care about my feelings. I am scared of reporting this to the pastor because I believe this is personal and then

how will people look at us in church again? I had to re-establish communication with an ex-boyfriend but I am scared of doing this because of the repercussions. Please Agatha, help me before I do something bad to myself. Lizzy. Dear Lizzy, This is a very serious matter that requires utmost wisdom and caution to save your marriage from collapse. There is no way you can on your own resolve this problem without getting help from the people who are experienced in marriage and the ministry. You need the help of your pastor to get through to him, to remind him of the importance of his marriage to his ministry. Don’t be ashamed to seek for the help from those in the best position to educate him because it is your right to enjoy your husband and marriage. If you continue to depend on your wisdom, with the extent he has gone, you may not be able to get him to listen to your reason or get him to appreciate the loneliness crowding you.

For this reason, you must act quickly before you are tempted to do something you cannot tell the pastor or his wife. Begin with the wife because as a woman, she may be in the best position to appreciate what you are going through. Oneon-one, express your fears and the challenges you are going through, including the fact that you are on the verge of having an extramarital affair with your ex. At this junction, don’t be shy to own up to the challenges you are facing in your home. We all need help from time to time to make things work in our

homes and lives. Once the pastor and his wife are involved, it would be their duty to use the appropriate words of God to remind your husband of his duties to you and point him to the danger both to his image and ministry of having a broken home. Sincerely, it is not your voice or those of his family members he now considers spiritually inferior to his newfound faith that he needs. He needs the voice of those he has now formed confraternity with to educate him on the danger of leaving a full-bodied woman used to constant sex fallow. You also need the help of the marriage counsellor in the church to tutor on the place of sex in marriage, as well as the naked fact that God gave it as a special gift to married couples not just to procreate but to help them relax, bond, communicate and appreciate the values of being together. He has to stop seeing sex as being dirty but something God gave to mankind to enjoy within the bonds of marriage; that having sex continued on p(45)

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7 NIGERIAN JUDGES TARGETS OF EFCC CORRUPTION PROBE At least five Nigerian high court judges are the subjects of extensive corruption probes by the Economic and Financial Crimes Commission (EFCC). The five justices identified as the targets of the corruption investigation are Abdul Kafarati, Gladys Olotu, Aliyu Liman, Ibironke Harrison, and Rita Ofili-Ajumogobia. In addition, our sources at the EFCC said that Justice Chioma Nwosu- Iheme of the Federal Court of Appeal and a former Chief Judge of Lagos State, Inumidun Akande, are also caught in the cross-hairs of the investigations into what one source described as “mindboggling corruption in the judiciary.” A case file seen by SaharaReporters revealed that Justice Abdul Kafarati owns huge cash assets in several bank accounts, including one at Diamond Bank. In addition, he reportedly owns properties, shares and farmlands in Kwami in Gombe State. Gladys Olotu, also a judge of the Federal High Court, is being investigated for owning several accounts in Guaranty Trust Bank, Access Bank, First Bank (United Kingdom), as well as significant stock in various companies. She is also reported to own several properties in Abuja, Lagos and

Benin. A source said Ms. Olotu is believed to be worth more than N2 billion in cash, going by findings by EFCC and other investigators. Justice Aliyu M. Liman is being investigated for owning various naira and domiciliary accounts, shares and properties in the Federal Capital Territory, Lagos and Kaduna States. Justice Ofili-Ajumogobia reportedly owns an apartment in London, with a high-priced Mercedes Benz car parked on the property for her use whenever she visits the UK. According to our EFCC sources, Justice Iheme-Nwosu has accumulated so much unexplained wealth that she was able to buy the Concorde Hotel in Owerri, the Imo State capital, as well as a mansion-like residence built near Concorde Hotel and reportedly worth N500 million. Our sources said that the investigation into Justice Ibironke Harrison’s questionable assets has been completed. The probe focused on a property fraud said to be worth at least N150 million. One source revealed that the fraud was detected before Ms. Harrison was made a judge, adding that her involvement in the illicit scheme had been established

to a high degree of certainty. “We are confident that we can make a case for her guilt beyond any reasonable doubt,” one judicial source familiar with her file told our Reporter. Our Correspondent also learnt that the investigation of former Chief Judge of Lagos, Inumidun Akande, had also been completed. The fraud case relates to the judge’s diversion of massive amounts of funds meant for the Lagos judiciary during her tenure as chief judge. She is also accused of enriching herself to the tune of N700 million from funds stolen from the Lagos State judiciary. A senior EFCC official told our correspondent that the investigations into the criminal conduct of all the judges targeted for probe had either been concluded or reached advanced stages. However, the source added that the commission’s chair, Ibrahim Lamorde, was dilly-dallying instead of approving the commencement of prosecution. “I can tell you that we are at the stage where we can charge the affected judges to court, but the Chairman of the EFCC Ibrahim Lamorde has not given us a goahead for the judges to be arrested and charged for corruption.” Source: Sahara Reporters

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Brampton’s Susan Fennell highest paid mayor in Canada Citizens group questions salary and benefits totalling $245,833, plus car and driver allowances, compared with just $172,803 for Toronto’s Rob Ford. Brampton Mayor Susan Fennell presides over Canada’s ninth largest city, but she’s number one across the nation when it comes to mayors’ salaries. According to reports released, Fennell’s city and regional base pay for 2012 earned her $213,727. She received $162,839 from the City of Brampton and $50,888 from the Region of Peel, on whose council she automatically sits as mayor of Brampton. Across Canada, the next highest mayor’s salary in 2012 was Calgary’s Naheed Nenshi, at $201,839. Mississauga Mayor Hazel McCallion made $187,057, and Toronto Mayor Rob Ford earned $172,803 in 2012. Fennell did not respond to a request for comment, but a spokesperson wrote in an email that the salary was decided by a “citizenbased committee” that reviews compensation and makes recommendations “on a research/ objective based approach.” The

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recommended amount was validated by a private evaluation firm as “being in line with comparable public sector organizations.” council Mayhem But Chris Bejnar, a spokesperson for the group Citizens For a Better Brampton, takes issue with the size of Fennell’s pay. “Since when should the mayor of Brampton be making more than the premier of Ontario ($209,000 in 2012) the mayor of Toronto or the mayor of Mississauga?” said Bejnar. He pointed out that Ford heads a city more than five times the size of Brampton, and argued that Fennell

should be showing better fiscal leadership while many of her citizens are struggling in the wake of a recession. “It’s ludicrous. This doesn’t seem right.” In addition to Fennell’s base salary, she received a further $14,682 (including expenses) from Peel Region for her time serving on the Police Services Board. According to the city and regional reports, her salary and benefits for 2012 totalled $245,833 — which does not include her $23,524 car allowance, or the $45,726 Brampton taxpayers spent on providing her with a

driver. None of the mayors that responded to the Star on Monday employ a driver. Mayor Ford and Mayor McCallion, who is 92, also do not have drivers. Brampton councillors who also happen to sit on the regional council were among the highest paid council members in the country, earning $129,058 in 2012. Budget chair Gael Miles declined to comment, saying she had yet to read the report. Councillor John Sprovieri, who also sits on regional council, said he and his colleagues who represent wards have to share one staff member between two councillors, and therefore their workload

VOLUME 8 • ISSUE 11 • NOVEMBER 2013

is far greater than that of some other cities’ councillors. In Mississauga, he said, councillors each have two staff working for them. “I do all my research, deal with my residents’ concerns, take their calls and emails, all myself — 140,000 people in the two wards me and another councillor represent together. Right now, I’m dealing with the issue of fluoride in water, myself.” Sprovieri also pointed out that Fennell has a larger staff. She has five people working in her office. “I can’t speak for the mayor,” Sprovieri said. “You’re going to have to get her to justify her staffing and her pay. I would hope she has some answers.” Toronto Star

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FAMILY

Is sparing the rod really a bad thing? By: Ibukun Edu

It is almost impossible to come across Nigerians who were not punished or who did not receive varying degrees of caning from their parents as they got older. Because many have grown up this way, they believe it is the only way to train a child. Most people will quote the “spare the rod and spoil the child” proverb as the reason why a child must be beaten – it isn’t uncommon for people to suddenly turn religious when it suits them. Have you ever come across a child, of probably less than ten years old, who says that when they have children, they will beat them because they have been beaten by mummy and daddy? Some people might find this funny and dismiss it but it is unhealthy for a child, or anyone, to harbour such notions. One of the numerous times when the topic was discussed on Twitter, many seemed eager about the idea of beating their children, believing that their parents beating them made a difference, and to some degree or the other, fixed them. While they quoted the famous Proverbs verse, they believed if their parents did not punish them by beating them, they might have turned out differently. There were others on the platform who thought otherwise and stated that beating a child was never the solution to disobedience or whatever crime the child commits. One perspective stated that the common practise of canning children was one of the reasons why most Nigerian parents had no relationship with their children. Another perspective was that if you do not beat a spouse for being stubborn or doing something wrong, why beat a child? The same person also opined that people only resorted to beating because they had failed to lay a proper foundation. There is a lot of truth to what these people have said; however, both sides must be looked at and studied with caution so that the wisdom in the parts one does not agree with is not lost. Too many people interpret the Proverbs bible verse literally and therein

lies the problem. The assumption that a child must experience physical pain before they learn is very common. As such, you find parents who go overboard with punishing their children without knowing it. You have probably seen it on the news countless times, where adults beat children to death for some reason or the other. Most, if not all, of these people did not plan to kill these children but they lost sight of a certain line – the line of moderation – and the lives of innocent children were lost. In August this year, when a 21-year-old lady, Rebecca, was arrested in Lagos for beating her three-year-old niece to death for vomiting and defecating on herself. She said: “I did not mean to kill her (Deborah). I only pushed her because she vomited and defecated on the floor. I was only trying to correct her. It was not deliberate”. In September, another three-year-old, Chinedu Okoro, was beaten to death by his father, Ikechukwu Okoro, for defecating on the bed. Ikechukwu told the police, after his arrest, that he only flogged his son out of annoyance for defecating on the bed, “just like any other normal father would”. There are many other instances, including cases of teachers beating and scarring children or beating them until they died. While corporal punishment might be effective, the problem often faced is the loss of control by the parent or guardian. Rather than spanking to correct them, children are often beaten to make them feel pain and to satisfy the anger of whoever is doing the beating. This defeats the purpose of discipline. Psychologists the world over have made repeated arguments on the harmful effects of beating a child. According to Sandra Graham-Bermann, a psychologist and associate professor in the University of Michigan, “Physical punishment can work momentarily to stop problematic behaviour because children are afraid of being hit, but it doesn’t work in the long term and can make children more aggressive.” Studies have shown that

children who were punished were more like to use physical aggression as a means of resolving issues with their peers and siblings. There are numerous other side effects of excessively punishing a child. As stated earlier, one of the biggest problems with discipline stems from the failure of most parents and guardians to work on their children from an early age. Children as young as oneyear-old can resort to manipulation when they discover that by doing certain things, they will get what they want. Experts encourage parents to talk to their children as they get older. As soon as a child is old enough to speak, it is important to encourage them to speak clearly and respectfully. It is not uncommon to find people who talk to children in condescending and patronising tones. In helping a child’s mental development, it is important to speak to them clearly. Babytalk might be cute but it reduces the chances of a child learning to speak properly earlier. By the age of two, most children should be able to tell you what they want without having to throw a fit to communicate. These are the formative years; what you do and how you respond to them will determine a lot of things. It is very important to discourage tantrums without the use of physical force on a child. If you must spank a child, first consult with yourself about why you feel this measure is best and the point you should not exceed. After spanking a child, let them know why you had to do that and how they should behave in future. These are not steps you leave until a child is ten years old; they are needed from the time the child can speak to you and understand (no matter how little) what you are saying to them. Raising a child is no easy feat and children respond to things differently. In whatever system you decide to adopt in disciplining, ensure that you understand first, the nature of the child. While sparing the rod might spoil the child, excessive use of the rod might do worse damage. Telegraphng.com

Planning for safety By now, you probably remembered to turn your clocks back, but did you also remember to review your fire safety plan? If you don’t have one, now is a good time to prepare one. “As we head into the heating, candle and fireplace season – a season that tends to see an increase in home fires – having a fire safety plan in place is the best way to reduce risks and prevent injury,” says Phil Dorner, president of the Ontario Real Estate Association. “Daylight savings goes hand in hand with fire safety – now that you’ve turned back your clock, be sure to check the batteries in your smoke and carbon monoxide detectors.” It is also a good time to make sure all heating devices are in good working order and to think about home safety overall, advises Dorner. To help with preparing a

home safety checklist, Dorner shares these tips: Check alarms: • Check batteries in all smoke and carbon monoxide detectors • Test carbon monoxide detectors regularly, or as recommended by the manufacturer Service heating systems: • Have your heating system checked and cleaned regularly to ensure it's operating at peak efficiency • Ensure that all external vents – such as fresh air intake vents, exhaust vents, and chimneys – are clear of snow, insulation, leaves, bird’s nests, lint, or debris Lighting and security: • Install lights at all points of entry into your home — the porch, the rear, side, garage door, etc. • Install an energysaver timer to turn lights on and off

• If you have a home alarm system, make sure all family members know how to operate the system and that it is running properly Take some time to review your home safety list with the whole family. Children should be familiar with your home’s fire safety plan and know how to dial 911 as early as possible. “Keeping your home safe and secure should always be top-of-mind for homeowners,” says Dorner. “If you are buying a home this season, talk to your Realtor to find out what safety questions you need to ask before buying a new property.” More information is available at www.wedothehomework.ca This article is provided by local REALTORS® and the Ontario Real Estate Association for the benefit of consumers in the real estate market.

Top tips to keep your pet healthy (NC)— SuperDogs is an entertaining, family-oriented live show that has been touring North America for more than 35 years, where the dogs run, jump, dance and play to the delight of the audience. Each one is a family pet of the cast members and a large portion of the dogs were adopted from rescue shelters. The team trainers know first-hand the impact that health and nutrition have on a pet's well-being. Phil Shuchat, president and CEO of SuperDogs, offers the following tips to help keep your pets purring or their tails wagging. Commit to regular veterinary checkups – Just like people need regular medical checkups, your pets need an annual visit to a veterinarian. Regular vet appointments monitor overall health and act as preventative measures. A vet will ensure vaccinations

are up to date and can help to detect any issues in their early stages. Make time for exercise – We can all benefit from daily exercise and your pet is no exception. To fit it into your schedule, make it part of your family's daily routine. Going for an enjoyable walk in the evening, having play time in the house with toys or learning new tricks can be fun for the whole family. Check their smile – The state of your pet's mouth can be an indicator of their overall health. Look out for things such as bad breath, swelling, discoloured gums, drooling and loose teeth. Select the best food – Read nutritional profiles on the pet food to help determine its quality. Look for animal protein as the first ingredient; fruits and vegetables; whole grains; prebiotics or probiotics

to aid with digestion; as well as Omega-3 and Omega-6 fatty acids for their skin and coat. Products should be formulated without artificial flavour, colour, or artificial preservatives, like PC Nutrition First pet food. Offer mental stimulation – Sometimes destructive behaviour can be the result of a bored or unhappy pet. It's important to provide regular mental stimulation. Try teaching a few tricks, switching up their toys weekly, or leaving the radio on when you're away. Is your furry pet the baby of the household, or even the queen (or king) of the castle? According to a recent survey conducted by the team behind the PC Nutrition First pet food brand, 95 per cent of Canadians consider their pet to be part of the family—and often, a very big part of the family

Top 5 rentals for family movie night (NC) Family movie night is a time-honoured tradition and a great way to spend a little quality time together when it's cold outside. Better still, take a look at this sizzling line-up of entertainment, says leading rental shop, Redbox: Oz: The Great and Powerful: set prior to the events of The Wizard of Oz, the story follows magician Oscar Diggs and his journey to the Land of Oz. Escape From Planet

VOLUME 8 • ISSUE 11 • NOVEMBER 2013

Earth: heroic alien astronaut Scorch Supernova must rely on his nerdy brother Gary to save him when a rescue mission goes awry. Wreck-It Ralph: video game villain Wreck-It Ralph accidentally endangers the whole arcade when he tries to play the hero. The Hobbit: the first tale in the Lord of the Rings series, tells the story of Bilbo Baggins and his fantastic journey across Middle Earth. Life of Pi: when the ship

Pi Patel is sailing on sinks, he must fight to survive on a lifeboat with a zebra, orangutan, hyena and the lion, Richard Parker. Redbox tells us that they carry a wide range of Bluray and DVD titles for $2.00 or less a day. With over 550 kiosks located where Canadians already shop, it's easy to pick up a selection of firstrate movies to enjoy after a long day with your holiday gift list. Locations at Redbox. ca.

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continued from p(8) and hair care products. The main food items that are rich in vitamin E are: • Hazelnuts  • Margarine  • Corn oil  • Cod liver oil  • Almonds  • Spinach  • Sunflower seeds 6. Vitamin B12 It is essential that women consume food products that are rich in vitamin B12 as it aids many of the functions in the body. Benefits  • It is important for the metabolism process • It helps the normal cell division process  • It aids in preventing memory loss • It can help normal nerve and brain functions to occur • Deficiency of the vitamin can lead to depression, confusion and irritability as well as mouth and tongue inflammations. I t is best to incorporate the following food items in one’s diet to ensure that this vitamin is taken in right proportions: • Cheese • Fish  • Eggs  • Meat  • Yogurt • Milk 7. Vitamin C Most women are aware of the benefits of vitamin C and its sources as it helps to boost the immunity levels. There are many health benefits as well that this vitamin provides. Benefits • It fastens up the healing process • Promotes the growth of tissues • Reduces the risk of cancer  • Reduces the risk of heart diseases • It also plays a key role in the red blood cell formation process  There are many vitamin C enriched fruits and vegetables: • Broccoli  • Grape fruit • Kiwi  • Pepper • Oranges • Tomatoes • Sprouts  • Strawberries 8. Vitamin B9 This vitamin is known to be a great friend to maintaining a healthy system in women. Benefits • It helps to prevent heart diseases • Reduces high blood pressure • Can help to counter depression and Alzheimer’s • Memory loss and cancer is also prevented • Fetal development and fer-

tility is promoted in women by this vitamin.  One can gain this vitamin in the following food items: • Dark green and leafy vegetables • Asparagus • Melons • Strawberries • Legumes • Orange juice  • Eggs 9. Vitamin B7 Vitamin B7 is known to help synthesize many important nutrients in the system. Benefits  • It can help in the formation of glucose and fatty acids • The vitamin keeps the hair, skin and sweat glands healthy  • Normal cholesterol levels are maintained as well as bone growth and bone marrow • With high levels of this vitamin one can keep aside problems like high cholesterol levels, depression and anemia.  Some food items that are best sources of vitamin B7:  • Egg yolks • Soybeans • Oatmeal  • Cheese • Milk  • Yogurt • Pepper • Brown rice • Yellow fruits  • Potatoes  • Yams 10. Vitamin B2 Vitamin B2 is known to offer the following benefits. Benefits • It is essential for maintaining good health • It ensures normal growth as well as normal metabolism process • It will help one to get adequate energy • It helps to strengthen the immune system  • The tingling or numbness that is felt by diabetic people can be reduced by this vitamin • The reduction of fatigue, stress and anxiety is possible with this vitamin • One can increase the dosage of this vitamin in order to prevent wrinkles, mouth ulcers, sore throat, itchy skin and other symptoms.  Foods that are rich in vitamin B2 are: • Organ meat  • Leafy vegetables • Eggs • Cereals  • Soy bean • Nuts  • Mushrooms • Cheese  • Milk  • Yogurt 11. Vitamin B3 Vitamin B3 is also known as niacin. It is known to have

many beneficial properties. Benefits • It can help women look younger due to its anti ageing properties • It helps aging women increase the ability of their skin to retain moisture • There is an effective barrier that is set up against bacteria, viruses and other antigens • It helps to increase the good cholesterol levels and lowers the triglycerides or the fats in the blood • If skin is inflamed, the hydration levels are boosted by this vitamin in order to reduce redness.  It is often found in serums, creams and lotions. 12. Thiamine Thiamine or vitamin B1 is part of an enzyme that is required for many functions. Benefits • It helps the enzyme to boost energy metabolism effectively • It is vital for the nervous system to function effectively . It is found in the following food items in small or moderate amounts:  • Legumes • Seeds  • Nuts • Pork • Whole grain food 13. Pantothenic acid This is a vitamin that is not mentioned frequently but it has its own unique role to play. Benefits • It helps in the proper functioning of several enzymes  • It ensures the proper metabolism of the food in the system for energy release 14. Biotin This vitamin too has a vital role to play in the human system. Benefits • It forms the essential part of many enzymes • It helps to ensure that the energy metabolism process is going fine. 15. Folates This has several functions in the human body. Benefits  • Helps in the DNA formation process • Creation of new cells • Creation of new blood cells  This vitamin is found in the following food products: • Green and leafy vegetables • Orange juice  • Liver  • Seeds • Refined grains • Legumes As a woman do you worry about your health? Not only is the right diet a key to younger looking skin and hair, it will also help to ensure that you stave off various ailments and diseases. Image Source: Flickr

REAL ESTATE Real estate question? Ask an expert Whether you are a first time buyer, renter or an existing homeowner looking to downsize or invest in an additional property, you’re bound to have questions. From figuring out how much home you can afford to choosing the right neighbourhood for you and your family, real estate expert and president of the Ontario Real Estate Association, Phil Dorner is here to help. Today’s question comes from homeowners who purchased a home both as an investment and to house a university-aged daughter. The challenge facing the owners is that the home is located in London, where their daughter will be attending university and they live in the GTA. Q. Hi Phil. Our daughter is starting her second year of university in London this fall and we purchased a threebedroom home there for her to live in while she attends school and as an investment. Our son who entered grade 12 this year has expressed interest in going to school there too so he may move in

at some point. In the meantime, our daughter has found two friends to live with and although it’s our daughter and her friends, since we have never been landlords before, we want to make sure we aren’t missing anything. Can you help? A. A rental property can certainly be a valuable asset to your portfolio and in your case, one with some practical advantages. You are correct in thinking that despite the fact that it is your daughter and her friends who are your tenants that as a landlord in Ontario, you have certain responsibilities set out by the Residential Tenancies Act. Make sure that you go through the Act and understand your rights and responsibilities – this will help clear up any confusion over your role and duties as a landlord and those of your tenants. Next, make sure that you get the right kind of insurance coverage – as long as your home complies with municipal bylaws, this shouldn’t be an issue. A really

good thing to do as a novice landlord is to connect with experienced and successful landlords who can provide precedent for you. As with any property, bear in mind that there will be upkeep costs and since students tend to live “exuberantly,” expect wear and tear. Luckily, since your daughter is one of your tenants, you can make sure that she is conscientious about who lives in the home and the way that they take care of it. Since you are not local, you will also need to ensure that repair and maintenance issues can be addressed so make sure that you have a plan in place. When purchasing an investment property, make sure that you speak to your Realtor about your goals so that you can be sure the property you choose is appropriately outfitted and conducive to attracting high quality tenants. Do you have a real estate question for Phil? If so, email www.AskPhil@ OREA.com

Closing up the cottage When it comes to closing up the cottage, every cottage owner has their own checklist and methods but it’s useful to review some best practises and perhaps add a few additional tasks to your to-do list to make sure that next spring, there aren’t any unwelcome surprises. In Canada, the top causes of cottage damage are wind and water. Fortunately, the risk of damage can be reduced by taking a few simple steps at the end of the season. “There are a few main areas to focus on when closing up the cottage before an Ontario winter hits,” says Phil Dorner, president of the Ontario Real Estate Association. “By tailoring your to-do list to take care of the most important areas first, you will be well on your way to a ensuring a smooth winter and an easier time, come spring,” adds Dorner. Here are the most important tasks to take care of at the cottage this fall:

not winterized, the Canada Safety Council recommends filling supply pipes with nontoxic anti-freeze and wrapping pipes at key junction points to help protect against the cold.

• Drain the pipes: Make sure all water is removed by opening all taps and valves. If your cottage is

•Fireplace and woodstove: Make sure your fireplace damper is closed to

VOLUME 8 • ISSUE 11 • NOVEMBER 2013

• Inspect your roof: A leaky roof can cause a lot of water-damage. Replace any missing or broken shingles. Make sure trees are trimmed so that wind and snow do not cause them to damage your cottage. • Electricity: If shutting the electricity off completely, Hydro One recommends turning off all appliances, the water heater and electrical room heaters before turning off the main switch at the electrical panel. If leaving your electricity on (for a security system or lighting) turn off the power supply to your major appliances at your main panel and shut off the power to any space heaters.

prevent animals from getting in. Block off the flues, stovepipes and chimneys. Chimneys from fireplaces or woodstoves should be professionally checked to ensure they don't have hazardous amounts of creosote. • Empty refrigerator and cupboards: Clean and defrost the fridge, leaving the door open to keep it fresh. Pack up the cupboards, including dry food and canned goods. • Walk through: Make sure that all utilities and appliances are unplugged and any potential fire hazards are removed (old newspapers, chemicals, etc.) “Once you’ve taken care of the most important tasks, you will be able to turn your attention to the remaining cleaning and packing up, and of course the final goodbye,” says Dorner. If possible, have a neighbour or friend check up on your place periodically throughout the winter, this will provide some additional peace of mind.

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Melons are fruit that belong to the gourd family and grow close to the ground. A common characteristic that all melons share is a hard skin or rind that surrounds a fleshy center. Some popular types of melons are honeydew, cantaloupe, and watermelon. By making sure they are properly handled, washed, prepared, and stored, you can enjoy the health benefits of melons and help prevent food poisoning for yourself and your family. Melons and food poisoning While melons do not naturally contain bacteria that can make you sick, their outer skin or rind can become contaminated because melons are grown close to the ground. Eating melons that have been contaminated with harmful bacteria can make you sick. Contaminated melons have been linked to cases of food poisoning caused by Salmonella bacteria. Melons can become contaminated in the field by: •soil •contaminated water •animals •improperly composted manure They can also be contaminated by bacteria: •during and after harvest from handling, storing, and transporting •at the grocery store, in the refrigerator, or from counters and cutting boards (through cross-contamination with harmful bacteria from raw meat, poultry, or seafood). Did you know? Cantaloupe is at greater risk of contamination because of its unique netted rind. The spaces between the netting can trap bacteria and make them harder to remove. Shopping

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Choose melons that are firm and avoid ones that are bruised or damaged. Melons can become contaminated through bruises and damaged parts of the hard outer rind/skin. •Some melons may have blemishes on one side. This is usually where the melon was resting on the ground during growth. These blemishes do not make a melon unsafe to eat. If buying pre-cut melons, make sure they are refrigerated. Chilling/storing •Whole/uncut melons can be refrigerated for up to 15 days, depending on the ripeness, variety, and growing conditions. •Cut melons should be refrigerated immediately and stored in the refrigerator for up to four days. Throw out any cut melons that have been left at room temperature for more than two hours. Cleaning Washing your hands and following proper cleaning techniques can help you avoid cross-contamination and prevent the spread of food poisoning. •Use warm water and soap to thoroughly wash all utensils, countertops, and cutting boards before and after handling melons. Preparing Wash your hands thor-

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oughly with warm water and soap for at least 20 seconds, before and after handling melons. Before cutting the melon, thoroughly wash and scrub the entire melon with warm water using a clean produce brush. Bacteria from the outer rind can transfer to the inner flesh of the melon if you cut into it before washing. There is no need to use anything other than water when washing melons. Washing melons gently under fresh, cool running water is as effective as using produce cleansers. Throw away melons that are bruised or rotten. What the Government of Canada does to protect you The Government of Canada is committed to food safety. Together with industry, we work to identify best practices that can be used to help prevent contamination of fresh produce throughout the food system, from the field to the store. In addition, inspection and enforcement activities conducted by the Canadian Food Inspection Agency work to ensure that steps taken by producers, manufacturers, and importers have been effective and that the foods available to Canadians are safe. Source:http: //healthycanadians.gc.ca

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The Manischewitz Winery was founded by Leo Star in 1927. It has continued to be run by members of the Star family since that time. It is located in Canandaigua, New York, USA and has been the property of Constellation Brands since 1987. Sweet Concord wine is quite common and widely available in most areas of North America. The Manischewitz Winery is best known for the Sweet Concord Wine it produces. This wine is made from labrusca grapes because it produces wine with an unusual aroma and has a large amount of residual sugar. For many years the United States Media has popularized concord wine as being the kosher wine. Kosher concord wine is used by non-Orthodox Jews in celebrating Passover. However, the normal blending of Manischewitz’s Sweet Concord wine contains corn syrup. Any sweetener or other product derived from corn is forbidden food for Passover among Ashkenazi Jews. In order to comply with their traditions, Manischewitz produces a special Kosher Passover bottling of their wines which is sweetened with cane sugar rather than the corn syrup that is used during the remaining batches of the year. The sweet taste of kosher wines is often the fodder of jokes, even though kosher wine does not have to be sweet. In the early days of Jews in North America, there was a need to produce local kosher wines for the Kiddush ritual on the Shabbat and holidays. The grapes that grew in many areas had very limited varieties available. There were time restrictions due to the market of the day being dominated by

hard cider. Often the kosher wine that was created was so bitter that it had to be sweetened to make it palatable. The Sweet Concord Manischewitz variety in the United States has become so well known that the existence of a thriving sweet kosher wine industries an-

chored in France, Israel, as well as the United States. This is often a surprise to North Americans because they are so unaccustomed to taking a sweet kosher wine seriously. Source: Wikipedia.org ARRIVE ALIVE. DO NOT DRINK AND DRIVE.

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Natural remedies for families on the go – and on the grow (NC) A recent Ipsos Reid survey, conducted on behalf of the Canadian Health Food Association (CHFA) shows that Canadians are increasingly embracing a more holistic approach to health for themselves and their entire family. With the abundance of chemicals in our day-to-day products, food, and the environment, it can be difficult to figure out where and when to go natural. For example, when we, or our kids, experience minor bumps or bruises we often rush to the medicine cabinet as a first aid solution. However, there are lots of natural approaches that you may want to consider. Here are three natural remedies that will help you and your family heal: 1. Use honey to help you heal - Life with kids is full of scrapes, cuts, nicks and burns. Recent research from

the University of Guelph showed that using unpasteurized (Ontario) honey to heal wounds can be superior to other modern methods. This magic mixture of vitamins, minerals, sugar and enzymes helps to disinfect and repair damaged skin tissue. Clean your little one's scraped knee well with warm water and soap, drizzle a little honey on the absorptive pad of a bandage, cover the scrape, and let it work its healing magic. 2. Use arnica to alleviate pain - Used to alleviate pain since the 1500s, arnica is still popular today. It can be applied to the skin for pain and swelling associated with bruises, aches, sprains, and arthritis. It is also applied to the skin for insect bites, muscle and cartilage pain, chapped lips, and even acne. Available as an ointment, rub, tincture or oral supplement, it

is well known to help relieve sore muscles and joints. 3. Use coconut oil as your all-purpose miracle maker - Organic coconut oil is a rising superstar in the culinary world, but did you know it works wonders when applied topically to the skin? Pregnant woman can use organic coconut oil to combat stretch marks. During those first newborn diaper changes, coconut oil can help protect babies' delicate skin from sticky meconium. It can also help soothe diaper rash as well as being a great carrier oil to remove your baby's stubborn cradle cap. At any age it makes a wonderful natural moisturizer for dry and cracked skin. Additional natural remedies, as well as tips and tricks that will help you keep your family growing and going, can be found online at chfa. ca.

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How to Cook Ora (Oha) Soup Ora (Oha) soup is native to the South Eastern Nigeria. It is a very traditional soup similar to the bitterleaf soup but cooked with Ora leaves. Ora (Oha) Soup is special because the tender ora leaves used in preparing this soup recipe are seasonal unlike their bitterleaf counterpart which can be found all year round. Though it is only the vegetable that distinguishes the Ora Soup and the Bit-

VOLUME 8 • ISSUE 11 • NOVEMBER 2013

terleaf Soup, they taste so different that it is hard to believe the difference just one ingredient can make in a recipe. Ingredients for Ora (Oha) Soup • Vegetable - Ora leaves

• Cocoyam – 8 small corms • Red Palm Oil – 3 cooking spoons • Assorted Beef – Includes best cut, shaki (cow tripe) • Assorted Fish – Dry Fish and Stock Fish • Chilli Pepper, Salt and Crayfish (to taste) • 2 Stock cubes • 1 teaspoon Ogiri Igbo (for the traditional taste but optional) continued on p(43)

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LIFESTYLE

The Most Expensive Addictions By Lisa Dingman There are many expensive and pricey addictions out there, ranging from shopping to interior design, to tanning. These top ten most expensive addictions all cost people a lot of money every year, but regardless of the price people keep going back for more. Some of these things will might come as a surprise because they don’t appear like addictions while others have been seen time and again. No matter what the addiction is, money is still poured into it in order to obtain satisfaction, so what are these addictions? Take a look and find out for yourself. Plastic Surgery: $2,000 – $500,000 1. The Plastic Surgery industry is a power house of profit, raking in billions. The American Society Of Plastic Surgeons released its figures for the year 2012 that stated Americans spent a total of $11 billion on plastic surgery procedures in the year 2012 on procedures ranging from Botox to breast augmentation to other cosmetic procedures. Many have gone in only for a procedure or two, but many end up becoming addict-

ed to changing themselves at a very high cost. 2.Redecorating and Refurnishing the Home: $10,000 – $5 million Needing changes in their lives, many women and men become addicted to redoing their homes. Since they can’t change what’s going on within themselves, changing their home and how things look outside of themselves quickly becomes a highly costly habit that can costs tens of thousands of dollars, or more. 3.Gambling: $5,000 – $75,000 Gambling addicts spend hundreds of dollars to tens of thousands gambling. From the average Joe to the high roller, it’s easy to get addicted to gambling since your brain lights up when you win. Add in seductive lounges and casinos with player perks, and you’ve got one of the most devastating and expensive addictions around. 4.Smoking cigarettes:

$280 – $6,000 Smoking cigarettes is one of the most expensive addictions there is. The average smoker spends at least $5,000 a year on their bad habit. The taxes on cigarettes have only gone up so that customers addicted to their multiple daily nicotine fixes have no choice but to either quit or pay the expensive price for the packs and cartons they buy. Not only does being addicted to cigarettes drain your wallet, it increases your chances of developing a disease or becoming sick. 5.Online Shopping: $1,000 – $500,000 Many people have an addiction to shopping. The easiness of online shopping makes addiction easy. However, online shopping junkies quickly come down off the high and need to begin shopping again in order to get the endorphins boost again. On-

line shopping addictions are on the low end expensive and on the high end debt causing. 6. Strip Clubs: $500 – $75,000 Many go to strip clubs to relax, have a good time, or just seek some attention. However, like most businesses that specialize in the entertainment industry, you’ve got to pay in order to play. With paying for drinks, lap dances, it’s easy to spend anywhere from a hundred dollars to a couple thousand just in a couple of hours or a day. Many become addicted to the chemicals released from going to the club. 7. Alcohol: $500-$8,000 Alcohol can be a good time, but when addiction sets in, it can become costly. Buying liquor for yourself as well as going to the bars is an expensive habit that’ll drain your wallet. 8.Tanning: $500- $6,000

The home tanning and tanning salon industry took off in the early days of 2000. The world’s obsession with pale skin was abruptly dropped as the healthy look and process of tanning became more popular.The rush from getting into a tanning bed has pulled in many coming to change their skin tone to actually getting addicted to getting bathed in the UV rays. With tanning lotions, bronzers, moisturizers, and paying for tanning sessions, addicts can spend $200 to $10,000 a year on tanning. 9.Video Games: $600-$2,000 Consumers spend hundreds of millions every year not only on games but the consoles and accessories that go with it. The video game industry is huge and makes

its money by constantly putting out new games and consoles that draw the video gamer in to keep profits high. It also becomes and expensive addiction when players wish to collect vintage games and consoles as well which can run up a very high price tag. 10. Falling In Love: $200-$10,000 a year Falling in love costs money. Dating someone and having a girlfriend or boyfriend in addition to being magical and fun can also lead to heavy spending. Love addicts may be able to justify the expenses by saying they’re for another person or happiness, but with multiple love interests coming in and out, the money quickly adds up. SOURCE: www.therichest.com

Fixing Up Split Ends at Home – Nine Best Home Remedies To see the beautiful long tresses of models and actresses, it is often frustrating to have long hair that is frazzled and frizzy. Many women have problems with split ends due to changes in hormone balances as they age, thyroid problems, prescription medications, vitamin deficiencies and other health related issues. Sometimes the problem is environmental such as extreme changes in temperature or humidity, excessive pollution or other factors relating to atmospheric or weather conditions. Luckily, for many women there are low cost home remedies that can be made from items that are often already in the home. Using home remedies can take longer to show results, but do not contain harsh chemicals. Hair coloring, curling, straightening, using other chemicals and treatments on

hair can damage it over time. Using natural ingredients to offset this damage is often the best route to take. Using a Natural Banana Pack Peel and mash one ripe banana into a small dish or bowl. Add two tablespoons of rosewater, lemon juice, and curd. Stir until it makes a smooth paste. Rub the paste gently into the hair and allow to stand for 60 minutes. Rinse and dry as usual keeping in mind that natural air drying whenever possible helps to keep moisture in the hair. Using a Honey and Egg Pack Beat one medium to large egg in a small dish or bowl. Add one tablespoon of honey and ½ cup of milk to the beaten egg. If the split ends are the only problem, dip the ends into the mixture and allow to stand for several minutes. If the hair is frizzy overall, applying the

mixture to all of the hair roots to ends will help restore moisture and control frizziness and add shine and luster. Rinse and dry as usual. Using a Papaya Pack Remove skin and seeds of ½ ripe papaya and add to ½ cup of plain yogurt. When well blended, apply to hair and allow setting on hair for 45 minutes. Then wash, rinse, and dry as usual. Using Beer as a Hair Treatment The amount of beer needed will depend upon the length of the hair. Use enough to completely soak the hair with the beer. Massage for 2-5 minutes, wash , rinse, and dry as usual. Using a Hot Oil Treatment Heat either olive oil, castor oil, almond oil, or coconut oil separately or mix in even measures to make a blended treatment. One quarter to one

half cup should suffice for one treatment. Allow oil to cool until it is slightly warm to the touch. Apply to hair from roots to ends, apply a shower cap, allow to set for 30-40 minutes. Then wash, rinse, and dry as usual. Using Avocados and Olive Oil Treatment Blend 1 crushed avocado, 2 tablespoons of egg white, and 3 tablespoons of olive oil creating a creamy paste. Apply to hair and allow to set for 30-40 minutes. Rinse with cold water, then wash, rinse, and dry as usual. Using Honey and Olive Oil Treatments Mix together 3 tablespoons of honey and 3 tablespoons of olive oil (if more is needed per treatment maintain the same ratio). This treatment is for the split ends ONLY. Leave on for 5-10 minutes then wash, rinse,

VOLUME 8 • ISSUE 11 • NOVEMBER 2013

and dry as usual. Using Egg Yolk and Olive Oil to Make Honey Mask Mix together the yolk of one medium to large egg, 3 tablespoons of olive oil and one tablespoon of honey to create a mask to apply to the hair. Leave on for 20-30 minutes and wash with mild shampoo, rinse and dry as usual. Using Fenugreek Seeds and Curd Treatments Mix 2 teaspoons of fenugreek seed powder with 2 tablespoons of curd to form a paste. The paste can be applied directly to the scalp for dandruff or to increase hair growth, throughout the hair as a general conditioner, and specifically added to the ends to decrease splitting and fraying. It should be left on the hair or scalp for 20-30 minutes, and rinsed away with cold water. Washing hair and scalp

after the treatment with mild shampoo, rinsing, and drying as usual increases body and volume. Allergic reactions have been recorded with the use of fenugreek on the scalp. Talk to a doctor or alternative medical professional if any adverse reactions to this treatment are noticed. InClear short,your this skin list iswith just aafew of thepeppermint items that are often altoner ready in the home that can be Refreshing peppermint is used instead of harsh chemicals ato wonder forscalp. women conditionherb hair and Uswith oily, acne prone ing natural ingredients toskin. add The leaves moisture to theextract split endshelps and control oil produchelp holdexcess the moisture there will provide a smoother tion, so your skin more feels managed look. fresh. Good luck! Bonus: The scent of pep-

permint instantly News makes Nigerian Canadian you feel more alert. Source: Woman’s magazine

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REFLECTIONS ON RELATIONSHIPS

Five characteristics that Make a great partner Great partners freely give compliments to their loved one. They tell them Five Characteristics how nice they look, why That Make A they fell in love with them, Great Partner what they love about them, After working with hun- how they missed them, etc. dreds of couples over the They’re not afraid to say, “I years, I’ve noticed key char- love you” and, in fact, say it acteristics that are, almost often. They acknowledge without exception, present their SO’s efforts and show in healthy relationships. appreciation for their hard These characteristics are work around the house, at prevalent in both partners work or with the kids. The in any healthy partnership. bottom line is they take time Read over this list and rate to notice their partner’s acyourself on each of these tions and make sure they traits. If you don’t pass speak their appreciation. the test—don’t even bother looking at your partner’s 3.Supportive: grade in these areas...until Great partners have their you get your own grade up. loved one’s back. They want their significant other to be The five characteristics happy and support them in of a great partner are: anyway they can. If their 1. Trustworthy: other half is upset about All great partners are work, a great partner listens trustworthy partners. They with empathy. If their SO say what they mean, are hates their job and wants to where they say they’re going get a new one, a great partto be and act as though their ner helps them brainstorm significant other (SO) and ways to make that happen. family is their first priority. They don’t slam down the Trustworthy partners could gauntlet and make their care less if their SO looks at loved one stay someplace their e-mail or cell phone where they’re miserable. A because they have nothing great partner doesn’t laugh to hide. They don’t hide when they hear for the the truth, tell half-truths 100th time their loved one or omit details in order to plans to start exercising; inavoid a conflict. They share stead they ask how they can information authentically, help. and deal relationally with any resulting feelings their 4. Inter-dependent: SO may have. A great partner is neither too dependent nor too 2.Complimentary: independent. They don’t By Lisa Merlo-Booth

Can your spouse have friends of the opposite sex

It could be dangerous The dynamics of friendship is very complicated between the same sexes not to talk of what one gets between people of the opposite sex. Same sex friendships come with their own problems if not properly managed, but talking about close friendships of the opposite sex is another thing entirely. With men and women these days working in close proximity with one another, it has become almost 5.Intimate: impossible for job related Intimacy means “into- relationships not to spill me-you-see;” great partners over into friendship outside know how to emotionally the work environment. share themselves. They also Old borders created for know how to listen when friendship are being brotheir SO is sharing as well. ken, same as old rules and A great partner wants to regulations on the paramknow more about their SO eters of friendship. And and wants their SO to know more people are discovermore about them. They ing common grounds and share because they want to, reasons for friendship with not because they have to. the opposite sex. They ask about their loved On the other side of the one’s day, feelings, dreams, divide are still some people etc., because they want to who still hold on to the know what’s going on in idea that nothing good can their SO’s life. come out of being close These are just a few char- friends with members of acteristics that set great the opposite sex, most espartners apart from not- pecially when one or both so-great partners. If you partners are committed in happen to be with a great serious and steady relationpartner—hold on to them, ships like marriage. they are not very common. This set of people will go If you are a great partner— on to tell you that the end nice job! result of any close friendIf you’re not a great part- ship with a member of the ner, start doing the work opposite sex can only result necessary to become one. in both of them having sex. need their significant other, they want them. They do for themselves what they can and they ask for help on the things they can’t. They don’t try to be Superman or Wonder Woman and do it all. They know that by sharing the load, they are building intimacy, trust and friendship. A great partner is a great team player. They know healthy relationships are about incorporating a healthy sense of we versus an overdose of me.

It will therefore be assumed that infidelity and adultery will be the expected end product of such relationships. These people will tell you that a truly platonic relationship between both sexes is just not possible and they’ll give you examples of people who have strayed beyond the beaten paths of marriage to commit adultery because of a momentary weakness of one of the partners while having a friend of the opposite sex. Truly, a lot of adulteries started off as platonic friendships with one of the partners ready to take the simple cross gender friendship beyond the boundaries initially spelt out for it. But I can tell you that it wasn’t the closeness that brought up adultery. If at all it did happen, it only shows that there are cracks in the marriage that should have been sealed and which weren’t. People commit adultery daily not because they have the opportunity but because the relationships they have with their spouses are not

built on good and effective communication that will allow them discuss the deficiencies and inadequacies that they may be encountering in their marriages. Adultery becomes an option when the commitment they both have for each other becomes meaningless. Most times, the problems that may endanger cross gender friendships are based on assumptions and presumptions of the friends and other people around them. Yes truly, there will come a period in the relationship between friends where questions may arise whether the close friendship should go beyond that which is already on ground. It is always better to stylishly address this very early in the relationship if you think that your friend may get offended if you come out ‘shooting from the hips’ to say it. Another problem that cross gender friendship may bring to the fore is the insecurity caused by lack of trust by partners. continued on p(43)

ISLAMIC PERSPECTIVES

Incapable Of Love As salamu ‘alaykum I have a stone cold heart that isn’t capable of feeling anything but hatred and anger. I never loved my mother and when she died I felt no sorrow. I have a grandmother that anyone else would consider an angel, but I don’t feel like I love her either. I don’t love my father; my sister, any of my friends and I don’t even love the only guy who showed me affection when no one else would, so I have concluded that I can’t love.I tried a lot to open my heart with love for Allah, but I can’t do that either. I read a counselor’s reply and he mentioned being dis-

connected from the source, which is God, and I desperately need someone to help me connect. I remember reading in the Qur’an once how God punishes people by making their hearts cold and I don’t want to be one of them. I tried last Ramadan to get closer to God, but that didn’t work either. My soul is deeply affected and my heart is completely dead. I don’t think the devil needs to spend any time on me. Is there any hope for people like me? I am a college student, overweight and extremely unsociable, so I have every

reason that there could be to hate my life, myself and everyone else and believe me I do. As-salamu `alaykum sister, I am very much pained to hear of what you are going through my dear sister. However, I would like to say one thing, you might have convinced yourself that you are unable to love, but I am one person who remains unconvinced. It is clear that you have been very deeply hurt to the extent that you fear being hurt. You are in a reactive mode in which you have closed your heart to

others out of self preservation and fear of rejection; in doing so, you prevent love from coming to you. You “feel” that you do not love your grandmother, but I think this feeling comes from a fear of finding out if you do or not. You probably have said very little about your situation, but if you had no love, no need for love, and hatred for everyone as much as you have declared, you would not have written to us. You would not have written to us because you would have had no conscience or feeling that you are missing something. You would

VOLUME 8 • ISSUE 11 • NOVEMBER 2013

have felt in need of no one, except those who would do your bidding. Who are you most angry with? Is it the person whose love you need the most and did not get, or is it yourself for feeling the way that you do? If you could begin to spend time with these questions, you might begin to find the answer. The answer itself would be easy, but it is an answer that could lead towards claiming your life. Until you can do this, you will remain a slave to this feeling, although I know you do not want to be like this. You may feel disconnect-

ed from Allah Almighty and you may feel that He punishes us by making our hearts cold, but it is not Him who punishes us. It is us, with our freedom of choice, who betray our true nature and follow our desires. If we choose to close our hearts (whether intentionally or not), the effect is the same; we prevent the lessons that we must learn from in life from coming to us, and in doing so, prevent our maturity. It is through giving and receiving that we learn to exercise our emotional faculties. Without that continued on p(47)

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A BOOST FOR DHL IN AFRICA To meet the increasing demand for express and freight services in the West African region, DHL, a logistics company, has purchased a new airside facility in Dakar, Senegal, and three aircraft – a Boeing 757 and two ATR72s. Oliver Facey, vice president, operations, DHL Express sub-Saharan Africa, explained that the company took the decision to meet the demands of its services as multinationals turn to Africa while smaller African enterprises look to trade cross border.

Facey added that the facility will enable the handling of material destined for Senegal and transit material through Dakar to help with the improvement of the service qual-

ity delivered to a market with ever increasing activity, consistently under time pressure. “The two ATR72s, each with a capacity of seven tonnes, will connect countries including Senegal, Guinea, Sierra Leone, Liberia, Ivory Coast, Mali and Mauritania. These aircraft are ideal since they have large cargo doors and provide a fully palletised loading capability, making them more efficient for handling,” he explained.

Jakande supports FG’s plan to set up new national carrier

Tell Magazine

continued from p(1)

world. The only other country with similar tax rules for expats is Eritrea. When announcing the law, U.S. President Barack Obama said, “if financial institutions won’t cooperate with us, we will assume they are sheltering money in tax-havens and act accordingly.” The threat is a withholding tax of 30 per cent levied on every transaction a non-compliant bank has coming from, or even passing through, the U.S. “Bottom line is: there is absolutely no way that a large, modern financial institution like a Canadian bank or a large credit union could escape FATCA,” says Marion Wrobel, vice-president of policy and operations at the Canadian Bankers Association (CBA). Wrobel says his organization has been fighting FATCA since it was announced, calling it the “extra-territorial” application of American law. “The only reason the Americans can do it is because it is a large economy, financial markets are integrated globally,” Wrobel adds, “and it is virtually impossible for a large institution like a Canadian bank, an insurance company, a securities dealer, a large credit union to avoid being caught up in a FATCA net.” Starting July 1, 2014, banks will be required to scour the records of all of their customers with more than $50,000 in an account. They will be looking indicators such as: place of birth, alternate addresses and phone numbers, and past residency in the United Sates. Every file with at least one indicia marker will be flagged as a “U.S. Reportable Account.” At the same time, anyone

wanting to open a new account will be asked directly if they are a “U.S. person” as defined by the IRS. Anyone who answers affirmatively will be flagged. Wrobel says refusing to answer the question could also land any Canadian in trouble. “If you refuse to answer it you could be considered recalcitrant and your information could be reported.” So far the banks’ protests have changed little. The best they have been able to do is take some of the heat off themselves directly. Canada is close to negotiating an Inter-Governmental Agreement (IGA) with the U.S. to implement FATCA. Once in place, the bank would no longer be required to send private customer information directly to a foreign government agency. Instead, Canadian banks will flag their customers to the Canada Revenue Agency, and — under the terms of the agreement — the CRA will be the one that automatically transmits all the information to the IRS. To enact the IGA, the Canadian government would almost certainly need to introduce a new law or amend existing ones to allow financial institutions to breach the privacy of Canadian citizens and residents. It’s not clear how that can be done without running afoul of the Canadian Charter of Rights and Freedoms. Constitutional lawyer and expert Peter Hogg wrote to the Finance Department to express his concerns about the proposed deal. In a copy of the letter released under Access to Information, he says: “To impose on financial institutions the duty to report

to CRA (en route to the IRS) the names, addresses, place of birth and date of birth and details of the bank accounts of accountholders identified only by their place of birth in or citizenship of the United States, and all under the implicit threat of taxes, penalties or prosecutions by the IRS, seems to me to be a clear case of discrimination in contravention of [Section] 15 [of the Charter].” He goes on to say: “There is no mechanism in the Model IGA whereby individuals who are suspected to be U.S. citizens would even know that their personal information was provided, “ Hogg’s letter argues, “thus there may be no opportunity to provide additional information or take other steps in order to prevent the transmission of this information from Canada.” At best, Hogg believes, it is an infringement “of liberty and privacy,” but possibly also violations of at least three sections of the Charter. The plan has critics around the world. “I don’t think it’s pejorative to use the term ‘fishing expedition,’ that term has been used by the U.S. government already and people talking about FATCA — that’s exactly what this is,” says Allison Christians, the Stikeman Chair of Tax Law at McGill University. She points out Canada and the U.S. already have a tax treaty that’s been in place for almost 20 years, which allows the IRS to obtain information on specific individuals from the CRA automatically. “But FATCA wants more,” Christians adds. “They want not just the ones we have already iden-

Jakande said: ``Nigeria needs a national carrier that would display her flag across the world like the liquidated Nigeria Airways in its days.’’ He said that the new carrier, when operational, should be strengthened to compete with other international airlines. Jakande also underscored the need to engage seasoned professionals in the aviation sector for the day-to-day administration of the airline. The ex-governor, however, condemned a proposal of the House of Representatives to pass a bill that would grant members immunity and allow them to open foreign accounts. He said that if such bill

was passed by the lawmakers, it would encourage corruption. ``Such rights would not benefit the country, it would be a step taken in the wrong direction in the nation's fight against corruption,’’ he said. However, the book’s author, Odutola, urged FG not to establish another national carrier. She urged the government to strengthen existing domestic airlines, instead of channelling available scarce resources toward the establishment of a new airline. Odutola, however, said that some of the indigenous airlines could be designated as flag carriers, while assigning specific international routes to them. (NAN)

per cent said the government needed to inculcate a good maintenance culture. Results across geopolitical zones The South-South zone (69%) had more participants who believed that the provision of employment would reduce vandalism in Nigeria. The South-West zone (23%) had more participants who believed that public reorientation/ enlightenment/awareness should be used to educate

Nigerians on the negative effects of vandalism on the nation. The NOI Polls Limited, on the eradication and reduction of vandalism in Nigeria, stated that “while programmes, projects and interventions are being designed to address the menace of unemployment; more media enlightenment campaigns need to be undertaken by the Nigeria Orientation Agency (NOA) in order to enlighten the

public on the negative effects of vandalism and its socio-economic implications. This information contained in the survey, carried out from November 11 to November 13, 2013, was gotten through telephone interviews with 1,000 randomly selected Nigerians of legal age, across the six geopolitical states in the country.

tified; they want to, in the words of a former treasury secretary, ‘smoke out’ the Americans who are hiding.” And this is where many experts believe FATCA might not just be unconstitutional, but also misguided. “It’s not risk-based, it’s

not targeting known tax havens. It’s looking at places like Canada, you know — Americans do not come to Canada for the low taxes,” says Wrobel. Perhaps to add insult to injury, the individual Canadian financial institutions being deputized by the IRS to sniff out way-

ward U.S. taxpayers need to cover the cost of the added scrutiny, monitoring, and reporting themselves. The CBA estimates it will likely cost the big banks $100 million each to comply with FATCA.

Ikeja, Nov. 26, 2013 (NAN) A former governor of Lagos State, Alhaji Lateef Jakande, on Tuesday expressed support for the Federal Government plans to establish a new national carrier. Jakande conveyed his support, while speaking with aviation correspondents shortly after presenting a book entitled: ``The Big Conspiracy: The Travails of a Progressive Safety Regulator in a Not-So-Progressive Aviation Industry’’. The News Agency of Nigeria (NAN) reports that the book was written by Mrs Folasade Odutola, an aeronautical engineer and former Rector, Nigerian College of Aviation Technology (NCAT). continued from p(9)

VOLUME 8 • ISSUE 11 • NOVEMBER 2013

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airman, CIBN Canada; , OFR, FCIB man of Council, CIBN In the coming years, CIBN Canada plans to pursue and facilitate aggressively utilizing the abundance of talents of its members and other Nigerians to create opportunities for employment, knowledge exchange/transfer, quality manpower training and development and work in various forms to further promote the growing good relationship between Nigeria and Canada. The Canada branch will continue to collaborate and work closely with other Nigerian organizations in the country in community development projects and the well being of all. To join, or to obtain further information about CIBN Canada, please email info@cibncanada.ca. The membership fee is $100 per year. All professionals (not necessarily restricted to banking or finance) are welcome to join this branch of the institute.

VOLUME 8 • ISSUE 11 • NOVEMBER 2013

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«Le temps est venu de nous rassembler autour de nos valeurs communes. Elles définissent ce que nous sommes. Soyons-en fiers.» Bernard Drainville, ministre responsable des Institutions démocratiques et de la Participation citoyenne

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AUTO

OPINION THE VIEWS EXPRESSED IN THIS ARTICLE ARE THE AUTHOR’S OWN AND DO NOT NECESSARILY REFLECT THE EDITORIAL POLICY OF NIGERIAN CANADIAN NEWS

HOW TO BUY A CAR COVER Questions to ask yourself when choosing a car cover. Whether you have a brand new car or a vintage ride that you have purchased as an investment, a durable car cover will keep your vehicle looking its very best. There are a number of questions you will ask yourself once you decide to buy a car cover. It is important to consider where you live and the conditions that your car, truck or SUV will endure on a regular basis when choosing a car cover. What Do I Want To Protect My Car From? Water: While rain is great for plants, it can be trouble for your vehicle. Your vehicle is prone to rust when exposed to the rain for long periods of time. Acid rain and snow can also cause your car’s finish to rapidly deteriorate. Extremely cold weather places pressure on your car’s surface, causing scratches and dents. Sunlight/UV Rays: The sun and high temperatures damage the inside and outside of your vehicle. UV rays cause paint to fade and chip. Temperatures inside of vehicles can exceed the outside temperature by over 30° on a sunny day. Not only is it uncomfortable for you to get into, it is also damaging to your interior. Dust: Over time, dust particles can settle into your car’s paint and cause tiny nicks and scratches. Those small imperfections can ruin a finish and result in paint chipping off the car’s body.

What Type of Car Cover Does My Car Need? Outdoor: Some car cover types are designed to protect your car, truck or SUV from all elements, from snow and ice to dust and sand. Fabric made from layers of Endura Plus™ make for a durable outdoor car cover. Endura Plus™ provides superior breathability and allweather protection, including thorough UV protection and high water resistance. The extra thick material provides maximum strength and protection. Indoor: If you park your vehicle in a garage and want a light-weight automobile car cover that will protect your vehicle from dust, dirt and other elements, an indoor car cover is probably right for you. Indoor car covers are the least expensive of the car cover types as they provide basic protection for your vehicle. UV Resistance: If you live in a sunny state, such as Arizona, California, Texas or Florida, sun protection will likely be your main concern as you shop for a vehicle cover. Look for a car cover that is made from DuPont Tyvek™ material, which is the same material used in home construction. DuPont Tyvek™ will keep your vehicle cool and clean by offering 99.8% solar efficiency. Waterproof: A waterproof car cover is a good choice for you if you want a car cover that will protect your vehicle from rain and elements other than water, such as dust,

snow, and pollen. Look for a cover made with SFS material because it has an inner layer of microfilm that is waterproof, but also breathable to prevent mold and mildew damage. Should I Choose A Custom Or Semi-Custom Car Cover? It is important to keep your car in the best shape possible, whether it’s brand new, a classic or somewhere in between. Car covers are a great way to prevent and protect vehicles from the elements and other potential dangers. Choosing a semi-custom car cover provides the same protection as custom covers, at half the price. Custom car covers are uniquely fitted to the specific make, model and year of a vehicle, which can make them more aesthetically pleasing. Pockets for side mirrors may look like a perfect fit, but overtime the material that rests on the side mirrors will begin to stretch and deteriorate. An additional benefit for choosing a Semi-custom car cover is that they often have a longer warranty because they are less prone to wear and tear. In the long run, damage prevention is cheaper and easier than repairing damage. A car cover is a simple, protective solution against multiple elements. Protect your vehicle and wallet by choosing the right semicustom car cover for your needs. Source:www.autotraderclassics.com

Child Safety Seats – Proper Installation Saves Lives (NC) Child safety seats are the best form of protection when little ones are travelling in your vehicle. Specialized seats are designed to protect and reduce injuries – as long as they are installed properly. Correct installation is essential and it's important for parents to learn how to do it properly. If you're having difficulty with installation, take a look at the instructional videos that are on the Ontario Ministry of Transportation website. “A correctly installed child safety seat greatly reduces the risk of a fatal injury in infants, toddlers, and children,” says Achiel Goossens, Senior Manager of Auto Claims with Aviva Canada. “Make sure

that you follow the instructions carefully, and if you are not sure, get your child safety seat inspected.” Goossens adds that there are a number of centres across Ontario that will inspect it for free. Common installation mistakes There are a number of common installation mistakes that are made by parents. They include: • Not placing the child safety seat in the right direction • Using a defective or broken safety seat • Using an expired child safety seat (check expiry date) • Not using the right seat for your child's age and size

• Not properly securing the seat and having loose harness straps. Buying used? If you are buying a used car seat, have it inspected. Make sure that it comes with all necessary straps and instructions for installation. Check for cracks and make sure it is not expired past its useful life date. Also, make sure that the car seat has not previously been in an automobile accident. It's better to be safe than sorry, especially where your child's safety is concerned. More details about safety, security and sufficient vehicle coverage is available from your insurance broker.

An Open Letter to Mayor Rob Ford By Festus Ewansiha

Dear Mayor Rob Ford, When the going gets tough, the tough gets going. No doubt, you have been a great mayor, one that hardly would be forgotten in a long while to come. For the down-trodden tax payers of Toronto, you have put up a good fight in many issues that affect us – housing, transportation, vehicle road tax, poor leaving conditions, bed-bugs and the indiscriminate and senseless shootings. Your desire, or better put, your insistence to hang on to do business as usual in the city council do portray the ‘love’ you have for the great city of Toronto. However, I am worried to quiz thus: With all these allegations, scandals, the tight-lip denials and the subsequent admittance of guilt, can things ever be the same again? No, never, my most loved, but now resented mayor. It can never be business as usual because you seem to have put a knife on the string that held things together for your good and that of the Torontonians. Now, “Things (have) fall(en) apart, “ and “The centre cannot hold,” any longer. Irrespective of these exhumed flaws that have plagued your administration, there are many out there, just like me that still believe in your soul’s willingness to continue the assiduous selfless service you have been rendering to the people. However like some others out there too, I fear that your body has become the nemesis - the denials upon denials and the eleventh hour acceptance of the fact: YES, I SMOKED CRACK COCAINE - that finally would prevent your train from reaching its final destination. Over and over again, I have pondered over this question: Could one be morally wrong and be legally right at the same time? That brings to mind one of your followers, Mr. Tajunder Singh’s point of view as quoted in the Toronto

Mayor Rob Ford,

Sun of Thursday November 7, 2013. He said, “We didn’t elect this man (Rob Ford) to be our moral compass.” “We didn’t elect this man to be the Pope.” Tajunder’s position seems to insinuate that when the city number one citizen fails a moral test, it does not automatically transform into a legal transgression of the law. And to this I am asking, is it true? If Miley Cyrus and Justin Bieber, both in the world of entertainment could be scrutinized and rebuked for their behaviours – twerking and passing urine into the mop bucket in the hotel – much less should not be expected from our Toronto mayor, a role model to all by all ramification even if it is not legibly written down as a rule. Sir, the ship housing your tools, the councillors has drifted away. With one voice they are asking you to take leave of absence. Now that the chips are down, and there is nothing to hide anymore, stepping aside, I presumed,

could be a move towards the right direction. This would allow you, in conjunction with many of us that care, evaluate all the circumstances that put this negative stigma upon your good work. In this interim period of the forced leave you might be able to tell yourself and others that as a mayor, it matters who you associate with, not drug dealers. That smoking crack could impair the mayor’s ability to make the right decision at some point for the good interest of the city. That texting while driving endangers the lives of other road users. That it’s an unacceptable act to the children for a father to get himself drunk in the public. Remember, my honourable mayor, it is the leader that possesses good moral values that can admonish his subjects when they go wrong. Once again, stepping aside has become inevitable. He that fights and runs away, lives to fight another day. In no distant time there is hope your sun shall rise again.

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BUSINESS

Doing Business in Abuja - 4 top reasons why businesses fail in the FCT By Araceli Quite a number of people have sent me emails asking for information about doing business in Abuja. Although we have seen many success stories of people doing great business and making lots of money here in the FCT, we also know that many fold up after a year or two, which is about the length of time that the initial rent for office space lasts. This means that (most probably – this is just my own opinion), roughly 40% percent of new businesses fold up when the rent expires. I think there are four major factors that affect, directly or indirectly, the success or failure of a business here in the FCT. These are: 1. High cost of rent Depending on the location, rent can be very expensive, both for commercial and residential purposes. Landlords usually ask for two years’ rent in advance, and an additional 10% for legal and agency fees. Rents are between $30,000 to $40,000 per annum for 250-500 square meters) in such places like Asokoro, Maitama, Wuse, Jabi, Utako, Central Business District . The catch is that depending on the type of business you want to do, these are the areas accessible to people who can afford to patronise a business, so these are places you want to explore. Rent, of course, is much cheaper in the outskirts, but your target clients will not be able to reach you. Also, there are office spaces that are much cheaper in the above-mentioned districts, perhaps by one half or one third of that amount, but the space is either small or hidden, or no guarantee of constant light or water, or it is not accessible to people by car, or lack of parking space, etc. 2. High cost of operating expenses Since electricity is not guaranteed on a 24-hour basis (power failures are expected on a daily basis, lasting 3 to 4 hours at a time and up to 48 hours), so one has to set aside a good part of the budget for these. A generator is a must, and which means you need to fuel it, have it maintained and serviced regularly, etc. Lack of genuine and honest technicians will pose another problem, and these are guaranteed to kill businesses. 3. Unskilled and unreliable staff I’ve heard of stories from customers complaining about staff who do not know about the products and services they are selling. For example, a waiter in a restaurant does not know the difference between a diet cola

and regular cola, or maybe the service is slow because the staff are not trained in providing the best service to the customer. Nothing kills business faster than rude and unkempt personnel. 4. Business is not essential to Abuja residents There are many businesses that attract a large patronage in other countries but may not have the same effect in Abuja, where due to security threats and other worries, people do not venture out if not truly necessary. In any case, if you really want to give it a try and need info on how to go about it, the World Bank and International Finance Corporation released a publication called DOING BUSINESS IN NIGERIA 2010, which “investigates the regulations that enhance business activity and those that constrain it.” This publication contains the stepby-step process of registering a company, cost (as of 2010), and how long it takes. Doing Business in Nigeria 2010 and other subnational and regional Doing Business studies can be downloaded at no charge at http:// subnational.doingbusiness.org. MEANWHILE... the FCT ranks 17th on list of where it is easiest to do business in Nigeria According to by the World Bank and the International Finance Corporation, the FCT is on number 17 on a list of where is easiest place to do business in Nigeria. The complete list is as follows (as of 2010): 1. Jigawa (easiest) 2. Gombe 3. Borno 4. Kebbi 5. Kogi 6. Yobe 7. Katsina 8. Kano 9. Zamfara 10. Bauchi 11. Taraba 12. Sokoto 13. Benue 14. Kwara 15. Plateau 16. Nigeri 17. Abuja 18. Nasarawa 19. Adamawa 20. Akwa Ibom 21. Edo 22. Kaduna 23. Osun 24. Ondo 25. Lagos 26. Oyo 27. Rivers 28. Bayelsa 29. Delta 30. Enugu 31. Ebonyi 32. Abia 33. Cross River 34. Ekiti

35. Anambra 36. Imo 37. Ogun Abuja Business: Tips It’s no secret that there are many people over the decades, both Nigerians and foreigners, who have made it big here as entrepreneurs in Africa’s most populous country. These business men and women, these multinationals, these startups and entrepreneurs and traders and artisans and buyers and sellers, these Indians and Lebanese, these Chinese and Israelis, these Hausas, Esans, Binis and Urhobos, etc. dared to defy the odds and have been hugely rewarded for taking what is often called a calculated risk. The result? They watched their businesses grow… and grow… and grow. They built their own offices, printed and distributed fliers, created their own brands, cursed the electric company and bought their own generators, and voila: Not only did these people laugh their ways to the bank – they also sang and danced…and drove a Hummer, yes, the one with the specialized plate number: Business Rules. SO WHAT ARE YOU WAITING FOR? I bet you a million naira that you know at least a couple of these people who are doing their parts in pushing the Nigerian economy forward while earning the tag business tycoon. A couple of them may own oil blocks in the Niger Delta, some are building roads and bridges from North to South, others are managing a fleet of airplanes for domestic and international travelers, but really, majority of them are just ordinary people, happily and successfully tending to their small-scale businesses in the neighborhood, offering products and services that you and I can’t do without. They are our friends, our relatives, our former classmates, our former officemates and teachers and co-tenants and neighbors. Many of them started with one desk and a second-hand manual typewriter. They started with nobody but themselves to employ. They did the marketing, the delivery, the clerical and janitorial jobs, while acting as a receptionist and security guard all in one day. With a combination of hard work, great accounting skills, patience, luck, prayers, perseverance and foresight, they made it and are now commanding a workforce of thousands, hobnobbing with the rich and mighty, and boasting of properties not only in Nigeria but also in the US, UK, and Dubai. Yes, it’s a fact that some of them have had it easy in one go, but what we really want to talk about here is you who are planning to set up your own business. If you are

Lancelot Mall: Raising the bar to meet soaring demand By Odinak Mbonu

Nigeria’s retail market has, in the past couple of years, seen what has been described as ‘a revolution’ with rising interest and demand from both local and international retailers for real estate space. In response to this growing demand, real estate developers and investors are also shifting interest to retail malls. This explains Lancelot Ventures’ recent strategic decision to upgrade its Lancelot Plaza, by as much as 40 percent increase in size and cost, to a relatively standard mall. Formerly designed to be just “another business plaza”, with a budget cost of about N250 million, Lancelot Business Plaza, now Lancelot Mall, is expected to cost about N350 million as a result of new innovations, configurations and exciting aesthetics that will be infused in the new mall to meet the needs of contemporary shoppers. Outstanding in the new project design is the transformati on of the earlier planned open-air space designed as car-parking lots into a fully air-conditioned atrium aimed at improving visibility for shoppers and availing them of a convenient shopping experience. The atrium, which is about 30 feet wide and really serious, nothing should stop you. Just go ahead and do it, as some would say. But be prepared and know the rules. Narrowing it down to The Abuja Factor (also known as CREATING A NICHE) Compared to Lagos (the Commercial Capital of Nigeria), the population of Abuja is small. While Lagos is a marketer’s delight (put up a billboard on the Third Mainland Bridge and you can be sure that millions of people will see it on a daily basis, triple that when there’s a traffic jam, which is about twice a day everyday, yes, those famous go-slows do well for roadside advertisement), Abuja could be a marketing challenge because of its small size. Business outfits like hotels, restaurants/bars, beauty salons, dry-cleaners, internet providers, hospitals, cyber centres, filling stations, supermarkets – they all have to compete for attention and patronage. Except for those who have made names like Hilton, Chase Restaurant, Julius Berger, Park and Shop,

VOLUME 8 • ISSUE 11 • NOVEMBER 2013

60 feet long, according to the building plan, would also come with an internal bridge where customers could relax, adding flair to the mall’s aesthetics. “We saw the need to redesign what we initially put out because it was just like another shopping plaza, but we believe there is a need to give the Arepo community an uncommon shopping experience,” Adebayo Adeleke, CEO, Lancelot Ventures, told BusinessDay in an exclusive interview. “To accommodate some of these innovations, we also had to increase our landmass from 2,643 square metres to 3,328 square metres. This is to avail clients and customers more ample parking space which, we believe, is important in every mall,” he added. Positioning as the first of its kind on the axis, the mall will notably attract development and also provide some basic amenities, such as banks, that had eluded the Arepo community for a

long while. “Our anchor retailer is JustRite, an indigenous retailer which will occupy about 20 percent of the entire mall. Other off-takers include KFC, Chicken Republic and Any Colour International,” the developer further disclosed, adding that over 40 percent of retail spaces at the mall had been subscribed to. Facilities to be expected at the mall on completion include uninterrupted power supply, ample parking space and closed circuit television (CCTV). “Currently, we are awaiting the approval of the state government before we commence construction. The construction will last for 12 months, and we have 28 shops with the minimum measuring 15 square metre. On completion, each square metre on the mall will sell for N200,000,” Adeleke informed.

Amigos, Sheraton, Ceddi Plaza, Daily Trust, etc., all the rest are just one among the many who have to try hard on a daily basis to be in the radar of consumers. There are at least a number of providers or suppliers for every service or product you can think of in Abuja. (Okay, we only have one bowling centre, one cinema house, no Starbucks, no McDonalds or Shakey’s Pizza, but who cares much about these things, really?) The products and services that are available here may not be the best you can have in Nigeria, but they are available. This means Abujans have a choice – and if they are not satisfied with, say, the ice cream in Maitama, they will surely go to Wuse, which is just a minutes’ drive away, even on a busy day. On the other hand, they can also be fiercely loyal. Give them what they need and they will be with you right after they close from work. So now that you intend to set up your own business in Abuja, what are the things you must you know? We at Inside Track Abuja have made a research and

have come up with the following essentials to guide you. Ponder each point very well before you start your business, whatever it is.

BusinessDay

What’s the plan? If an ordinary party requires so much planning, how much more a business venture? If you need a map to know your way around a city, so also would you need a plan to know your way around the business you are going to set up. Anything that needs to grow must start with a seed. Any structure that needs to rise must start with a foundation. Anyone who wants to succeed must be armed with the right skills, tools, knowledge, and attitude. The road to successful entrepreneurship (ask those who have tried) is a long one. It is often rough, desolate, unfriendly, discouraging, timeconsuming, energy-sapping, and unrewarding when you are just starting, which takes from one to two years. Only those who are prepared and wellequipped will get there and reap the rewards. And when we talk

NIGERIAN CANADIAN NEWS • To Advertise Call : 416-318-3506 of being prepared, we mean exactly just that. They start with a business plan. Make a plan It’s amazing how many people these days go into business unprepared. You ask them what’s their marketing plan and they either have no idea what it is or say it’s not that important. After all, they tell you, their grandfather set up a successful construction business without a marketing plan, not even a single advert on radio. While that may be true, times have changed. In the olden days, there was little competition. Now, everyone is doing what you are doing and everyone is thinking what you are thinking. Or worse still, everyone is already doing what you are thinking. Mention a smallscale, common business outfit now and there are hundreds of them along your street. There are millions more in the whole of your area. So how then do you get ahead of the pack? Please your customers: let us count the ways One of the most enduring qualities of successful entrepreneurs is that they understand how human relationships are built or destroyed. They understand that customers could be finicky and hard to please, therefore everything is done to ensure that they are satisfied all the time. Sometimes, it’s not about whether your boutique or supermarket or pharmacy is brimming with stocks. It’s not about whether you have a fully-furnished, fully airconditioned, well-staffed office or restaurant. These are all important, but first and foremost, business is about giving your customers satisfaction, it’s about meeting their needs, it’s about fulfilling your promises, and establishing long-lasting relationships. Hiring incompetent office staff (ill-mannered is the word), for example, is the best way to drive your clients and customers away and eventually kill your own business. Be the best in your area (also known as being realistic with your projections)

It’s nice to dream big, be the next Bill Gates or Martha Stewart and go global by next week Tuesday. But dreaming big can actually stunt your growth faster than you could say unrealistic projections. The logic is simple: you aim high, you fail to achieve half of your expectations, you give up trying. Failure is inevitable if you don’t have the support, the tools, the financial backing that you will need to reach these goals. Sometimes your dreams can be so grandiose you think you cannot start a business unless you have an office on the 12th Floor of So-So Towers. Naturally you fail even before you start. If this happens, you will certainly get discouraged and have no motivation to move on. The cure? Set achievable goals and see how this will push you to go further once the goal has been accomplished. Instead of aiming to go nationwide, why not simply aim to be the best you in your area. Understand that if the people in the neighborhood where you operate do not see your fastfood centre as the best in town, how then do you expect those away from you to do so? What is being said here is that be the best, say, caterer in your area so that when they mention your name, they know what you do, or if catering is mentioned, your name will give a bright flash. Start small, then grow big. Stand up comedians are good examples of this principle. They start by telling jokes in front of their families. Then they start performing among their friends. Soon, they move on to parties. Later on, you see them performing in high places like the Muson Center and the Aso Rock. (If you are a performer, you haven’t arrived if you haven’t been invited to do your thing in front of the President of the FRN.} Stretch the naira One of the most irrefutable facts in the world of entrepreneurship is that you need money to make money. Many people however misinterpret this to mean you can’t start a business unless you are rolling in millions of dollars. Worst of all,

they think they can’t work well unless they have an office that is fully equipped with expensive stuff, surrounded with workers whose salary they have to pay monthly. The truth is, when it comes to office appliances and equipment, the latest gadgets like PCs, laptops, printers, and other machines are usually more expensive than those that preceded them, but they often do the same job. When Amina Williams, a young woman who wanted to start an events planning company in Abuja a couple of months ago, went to the shops for a laptop, she discovered that the latest model is the HP Pavilion, which costs around N190,000. Needing also a printer and a scanner, she decided instead to get the HP530 model at N105,000 and still have enough money to buy a printer/scanner for N11,000 and a laptop bag for N7000. With the rest of money, she got her stationeries like plain sheets and envelopes, a white board, and other office essentials. This is what I mean by stretching the naira. Know that the daily grind is real If you are giving up your day job to become your own boss thinking that you will have more time for yourself, then you are mistaken. It’s true that being your own boss means you can dictate your working hours and do as you please, not to mention freedom from trying to please your boss or employers. But then you will also soon discover that you have to work twice as hard as when you are office-employed. You also have to work longer hours. Working on limited resources at first, you will naturally be unable to employ office staff, which means you will have to do everything. You answer the phone, type letters, prepare marketing materials, make deliveries (if you are selling products), meet with suppliers, chase customers, and even clean the office at times. Most of your days will mean you have to be out there pushing your products, informing people of your services, enticing them to visit your shop or office, otherwise, there’s no business for you. “If

Nigerian bonds surge to $5.4b Foreign investors’ holdings of Nigerian bonds swelled nearly fivefold to an estimated $5.4 billion in the year after the country’s inclusion in a benchmark JP Morgan local currency bond index, according to figures obtained by Reuters. Nigeria, Africa’s secondbiggest economy joined JP Morgan’s Government Bond Index-Emerging Markets (GBI-EM) in October last year, becoming the second African country after South Africa to be included in the index, which has $220 billion in assets under management benchmarked against it. At the end of September

2012, offshore investors held approximately $1.2 billion in Nigerian bonds, which jumped to around $5.4 billion as of September 30 this year, according to figures provided by a market source who asked not to be named. Foreign holdings of Nigerian Treasury bills, already popular before the inclusion, increased during the same period to $6.2 billion from $3.9 billion. Five Nigerian bonds are part of the GBI-EM, which does not include Treasury bills, up from three initially. Nigeria now has a weighting of just under two per cent in the index. It also joined the Barclays Emerg-

ing Market Bond Index in April this year. The inclusion of Nigeria in global bond indices has raised the visibility of the country, known as one of the continent’s most developed debt markets among offshore investors. Increased foreign inflows have helped stabilise the naira while enabling the country to diversify its investor base and reduce its borrowing costs. But growing foreign participation could also heighten Nigeria’s vulnerability to changes in international investor sentiment, especially once the U.S. Fed The Nation

BANKING

CBN asked to account for oil revenues By Simeon Ezenwa

Governor Babangida Aliyu of Niger State, urged the Central Bank of Nigeria (CBN) to account for the shortfall being experienced in the federation account since May. Mr Aliyu said this at the 3rd MBA International Literary Colloquium with the theme: Creativity, Youth and National Development, to mark his 58th birthday. He expressed regrets that nobody had been able to say how much was actually accruing to the country from oil daily. He said the CBN, as custodian of all monies that accrue to the federal government, should say what was responsible for the decrease in the income of the country. Mr Aliyu said the Nigerian National Petroleum you don’t move,” says Lolit Victorio, CEO of Britamold Limited, an Abuja-based company which deals with security doors, landscaping and interior design, “nothing will happen.” In other words, you have to meet your target sales on a daily, weekly, or monthly basis to sustain the business. How is that much easier than sitting in an office and getting a fixed, monthly salary

Corporation (NNPC) had in the last six months returned less the actual income due to be shared between the local, state and federal governments. “We don’t know how much we make but the outside world knows what we sell, and how much we make,” he said. “Since May, a lot of money has not been paid into the national purse; we should hold the CBN responsible for this.” Mr Aliyu said the nation should lay more emphasis on agriculture, to generate more money for the counat the end of the month? And most of all: Find those who don’t know you The general public, your potential customers, know that the power lies with them. They decide whether to patronize you or not, period. If you don’t go out there and meet them, if you don’t show any effort of introducing your products and ser-

try and provide jobs for the teeming unemployed youths. He said Nigerian youths deserved credible role models and system where older generations must mentor the younger ones. “We must, however, work towards reliving the period 1960 to 1980 when Nigerian youths had considerable opportunities,” he said. “It is indeed our collective duty to provide compulsory and free education, create jobs, instil moral instructions in our youths. We should discourage desperate politicians from engaging youths in thuggery, banditry and terrorism.” Governor Rotimi Amaechi of Rivers State, who was a guest at the forum, challenged Nigerian writers to publish books and journals on the serial corruption going on in the country. vices, chances are that they will ignore you. To succeed in business is all about whether people are aware you exist or not. How many strangers will say “I’ve never heard of it” when you mention your company? And how many people will actually say, “Yes, I know the place!” Always keep in mind then that “If people don’t know you, they can’t do business with you.”

continued from p(41) WORDS WITHIN WORDS - Answers

1. cholos 2. school 3. cools 4. lochs 5. cohos 6. shool 7. cholo 8. locos 9. cosh 10. shoo 11. loos 12. cool 13. loch 14. oohs 15. coos 16. loco 17. hols 18. cols 19. coho 20. solo 21. oho 22. ohs 23. col 24. loo 25. hos 26. coo 27. ooh 28. cos 29. sol 30. lo 31. ho 32. sh 33. oh 34. so 35. os Match Up Answer

Aborigine Reverberation Catalyst Mishpocha

Indigine Repercussion Accelerator An entire family network comprising relatives by blood and marriage and sometimes including close friends; clan.

Edacity

The state of being edacious; voraciousness; appetite Government by women.

Gynarchy

Make Words from these letters Answers

BORETLAP - PORTABLE BIGOLYBN – LOBBYING ESRDETEP - PESTERED EROIEVCC - COERCIVE REFUERFS - SUFFERER

VOLUME 8 • ISSUE 11 • NOVEMBER 2013

Analogy Match Answers

A. Ignorant is to uniformed B. Starved is to hungry C. Debate is to agree D. Cry is to sob E. Consumption is to using up www.vocabulary.co.il

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STATE NEWS Former borno state governor, senator Ali Modu Sheriff acquires private jet worth $72m Former Borno State Governor, Senator Ali Modu Sheriff, has acquired a new Gulfstream jet G650 model worth about $72m (N11.5bn). SAS - as he is popularly called is the Governor of the North east state blamed for the Boko Haram menace. The latest acquisition brings to four planes in his fleet. The former Governor who is also the chairman of opposition All Progressives Congress, APC, board of Trustees hides in Atlanta Georgia, USA, because his Boko Haram boys want his head. SAS is also wanted by the Borno Civilian JTF who recently burned his partner, Mala Othman’s house and got him arrested. Elombah.com gathered that the aircraft, which was reg-

istered in Dubai with special specifications, is the fourth in his fleet, as the former governor already has three old Dornier aircraft which he acquired from Aero Contractors at an estimated $3 million (N480 million). A Nigerian newspaper, THISDAY also said the Dornier aircraft are used for charter services as Sheriff recently obtained an Air Operator Certificate (AOC) from the Nigerian Civil Aviation Authority (NCAA) for his airline, Skybird. But a source said the Gulfstream was acquired for Sheriff 's personal use. An operator who is aware of the purchase described the aircraft as top of the range, adding that it was unlikely that the former governor would deploy it

for commercial service. A Nigerian pilot and chief executive officer of an airline that provides charter services, said by registering the aircraft overseas, Sheriff had denied Nigeria taxes and import duty on the aircraft. He added that no Nigerian pilot or engineer would be employed to operate or work on the aircraft because with the foreign registration, only pilots and continued on (45))

OSUN: Government Gives Ultimatum To Contractors Handling Local Government Roads The Government of the State of Osun has given all contractors handling the on-going construction/rehabilitation of road projects in all Local Governments up till December this year to complete their jobs or face the wrath of the government. The Special Adviser to the Governor on Works and Transport, Engr. Oladepo Amudah, gave the warning while fielding question from journalists in his office.

According to him, the performances of some contractors are quite discouraging and fall bellow expectation, adding that any contractor that fails to comply with this directive, would be adequately sanctioned by the government. Engr. Amudah explained that, the government has provided all necessary logistics and fund required for good quality jobs and the timely completion and due to

the ongoing three day 19th Biennial National Training Conference held at Tinapa Business Resort and organised by the Industrial Training Fund on skills acquisition and job creation, the Obong praised the spirit behind the conference. He lamented that the conspicuous problems with all the well crafted masterplans and articulations has always been implementation. "Over these many years, experts, technocrats, political administrators have inundated the country with series of mountainous proposals, blueprints and master plans on how to improve the country's sociopolitical and socioeconomic situations.

By: Vincent Ehiabhi

Kano State Government has adopted a state-of-the-art technology to monitor the progress of healthcare workers in the process of carrying out the polio immunisation exercise. Mahmud Zubairu, a doctor and coordinator of Polio vaccination project in the state, told AFP, a French news agency, that they adopted a phone-tracking system to monitor the progress of healthcare workers during the immunisation exercise. Zubairu said dozens of teams were going door-to-door to immunise every child around the age of five, as part of an aggressive effort to kick polio out of the state.

According to him, it was a campaign with a difference, as he could follow the workers remotely in real time. “It is now easy to monitor the immunisation coverage of each vaccination team because the phone trackers each team carries along generates tracks which are sent via satellite to our website,” Zubairu said, “That enables us to compute, with a high degree of precision, the number of houses the vaccinators have covered each day during a campaign.” For many years, Polio vaccination exercises have faced resistance in the communities in northern Nigeria due to their mistrust of Western ideas. Some of the residents believed that continued on (45))

Nigeria’s Sharia police destroys 240k bottles of beer

weather condition, the government had to extend, yet a greater number of the contractors are still not measuring up to the standard required by the government. The Special Adviser, however, commended some of the contractors who had so far performed credibly well and admonished them to continue in the same spirit because the government of Ogbeni Rauf Aregbesola would not tolerate shoddy jobs.

0Bong Of Calabar Flays Nigerian Technocrats The Obong of Calabar, Edidem Ekpo Okon Abasi Otu V came out hard on Nigerian technocrats, politicians and other administrators saying they are a clog in the wheel of progress. The grand patriarch of Efikland said the country is very rich in churning out mountains of policies, blueprints, socio-political strategies and master plans to lift Nigeria to greater height but that these would always end at the conference tables and the various master plan locked up in cupboards and shelves.  Addressing the minister of trade and investments, National Assembly members, permanent secretaries and mammoth crowd of private sector participants at

Kano adopts advanced measures to fight Polio

The local police enforcing Islamic law in Nigeria’s city of Kano publicly destroyed some 240,000 bottles of beer, equivalent of 20,000 crates, on Wednesday, the latest move in a wider crackdown on behaviour

deemed “immoral” in the area. The banned booze had been confiscated from trucks coming into the city in recent weeks, said officials from the Hisbah, the patrol tasked with enforcing the stri ct

Dead man given post in Delta state JETHRO IBILEKE/Asaba

"But the most unfortunate thing is that these fine and blameless efforts by government would never be implemented. That is the problem of this country.   "This well-intended conference, for instance, wouldn't it also end up the way of others", he asked.   The minister of trade and continued on (45))

The list containing names of nominees as members of the Delta State Tourism Board sent by governor Emmanuel Uduaghan to the Delta State House of Assembly, has been discovered to include the name of a dead man, James Youmu. The discovery was made when the nominees appeared at the hallowed chambers for screening during plenary. Other nominees on the list include Efe Afe, Peter Okolotu, Hy-

VOLUME 8 • ISSUE 11 • NOVEMBER 2013

acinth Iyere, Amah Agbajoh, Abel Eyube and Joe Morgan. When the names on the list were called, it was discovered that the fourth nominee, Youmu was already deceased. It was however explained that the deceased was still alive at the time the list was drawn, with his name included and forwarded to the House. Meanwhile, a nominee for the Delta State Broadcasting Service (DBS), Warri, Gift Gomere, who presented herself for continued on (39)

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Lagos issues N87.5bn final bond Lagos State held a completion meeting for its N87.5 billion Series 2 bond, rounding off its N167.5 billion issuance programme. The offer recorded a stellar 139percent total subscription of N121.72 billion, which the state did not accept, given the limitation of the programme size and the state’s disciplined approach to financial management The bond, which represents another landmark by the state, given that it is the largest bond issuance ever completed by a sub-national in the history of the Nigerian capital markets, cleared at a coupon of 13.5 per annum. issuance represented a closing down of the six year old N275 billion debt issuing Speaking at the meeting, in Ikeja, Governor Babatunde Fashola said he felt truly proud and vindicated by the show of confidence of the investing public, stating that the latest programme of the state, which was aimed at satisfying the needs of the 21 million residents of Lagos and allowing them achieve their dreams. “The closure of this facility takes us to the end of that debt issuance programme. We started first with N50 billion, then N57 billion, N80 billion and closing it now with an N87Billion Bond,” he stated. The governor stressed that despite the fact that the bond issuance recorded an offer of N121.7 billion, the state government cannot take the excess and will limit itself to the N87.5 billion, which is what her resources and plans can

support and pay back. He expressed delight that all of the investments are locally raised, saying it is one of the strongest statements of self belief that Nigeria can send to the world and expressed the hope that the Bond issuance will not end with Lagos. “It is a statement of confidence that is rooted in hope and belief. In the fullness of time, other states will become deserving of this kind of investment because the projects we commit them to will last beyond the tenure of our government,” he added. Fashola stated that with about 18 months precisely left for his administration to pass on the baton, the administration has still approached the market to raise money to execute many of the life-changing projects that it has committed to, such as the Koromiko to Marina Light Rail project, Adrian Waterworks, LagosBanditry Expressway, Papa CBD Road networks, Mushin Isolo Road, Isolo-IsheriIjegun Link Bridge, Ayinke House Maternity Hospital and the Atlantic shoreline protection project. The governor said all of the projects have started with trickles that are being collect-

ed monthly and emphasised that the voluntary taxpayers are the true champions of the development of Lagos with their tax payments. He expressed the optimism that all those who are still outside the tax net would have a change of heart by deciding to contribute to the commonwealth by paying their taxes when due. Speaking on the faithful implementation of the state budgets, the governor said it represents the article of faith for any serious government and is the compass that guides the ability of any government to meet the aspirations of its people. He recalled that last year, Lagos State closed the budget at 89 percent, which was an unprecedented achievement that happened because the state was able to put together all the financing that were necessary to implement the programmes that were drawn into the Appropriation Law passed by the State House of Assembly and coupled with the taxes paid by very hardworking residents of the State and allocations from the centre. Sun

continued from p(38) Nigeria’s Sharia police... Islamic law, known as sharia. Kano’s Hisbah chief Aminu Daurawa said at the bottlebreaking ceremony he had “the ardent hope this will bring an end to the consumption of such prohibited substances”. A large bulldozer smashed the bottles to shouts of “Allahu Ahkbar” (God is Great) from supporters outside the Hisbah headquarters in Kano, the largest city in Nigeria’s mainly Muslim north. Kegs containing more than 8,000 litres of a local alcoholic brew called “burukutu” and 320,000 cigarettes were also destroyed. “We hope this measure will help restore the tarnished image of Kano,” said Daurawa.

Since September, the Hisbah have launched sweeping crackdowns and made hundreds of arrests in Kano following a state-government directive to cleanse the commercial hub of so-called “immoral” practices. The 9,000-strong moral police force works alongside the civilian police but also has other duties, including community development work and dispute resolution. Sharia was reintroduced across northern Nigeria in 2001, but the code has been unevenly applied. Alcohol is typically easy to find in Kano, including at hotels and bars in neighbourhoods like Sabon Gari, inhabited by the city’s sizeable Christian minority.

But the Hisbah boss vowed that this was set to change. “We hereby send warning to unrepentant offenders that Hisbah personnel will soon embark on an operation into every nook and corner of (Kano) state to put an end to the sale and consumption of alcohol and all other intoxicants,” Daurawa said. People accused of engaging in prostitution and homosexual sex have been among those arrested in the latest crackdown, along with alleged drunks and drug addicts. Nigeria is divided between a mostly Christian south and a predominately Muslim north.

continued from p(38) screening was walked out of the hallowed chamber of the Delta State House of Assembly over improper dressing. Also, another nominee, Friday Okoh was not screened for appointment into Delta State Rural De-

velopment Agency (RDA) by the law makers for what they called unruly behaviour. Mr. Okoh was spotted by the law makers chewing gum while standing before the Mace. The House however con-

firmed the appointment of Mrs. Ifeoma Agbomah as chairman and Asigo Akpokaboowei, Emmanuel Nwaboshi and Benjamin Orhuerho as members into the state Rural Development Agency (RDA) respectively.

PM News

Healing river in Enugu *Each day, hundreds troop to community for spiritual bath From PETRUS OBI, Enugu The hitherto sleepy town of Nachi, a community located in the Udi Local Government area of Enugu State has remained relatively unknown until recently when a mysterious stream visited the community.The mysterious water, which allegedly heals all kinds of ailments, was first sighted by a Fulani herdsman. It has now transformed the community from an obscure and quiet village into a beehive of activities. All roads now lead to Nachi as thousands of people continue to troop to the community just as they struggle to dip themselves into the stream on getting to the site. Countless testimonies have also continued to trail the mystery water which has already been named Orimiri Jordan (River Jordan) by the natives. The story of this mystery started on the November 11 when community sources reported that a Fulani herdsman ran to the community and announced how water covered the place just few minutes after he passed. He told us that he passed that place with his herd of cattle and soon after, heard a strange noise. When he turned back, he discovered that a big stream has appeared at the same place he just passed with his cattle. At that point, he ran to Garki and informed his relatives, who also came there and discovered that the water had healing power. From that point, the news spread to the community." But the mystery is not entirely new to the community. While some elements of doubts and controversies continue to exist on the efficacy of the river to heal sicknesses even among the Indigenes of Nachi community, the mysterious nature of the river has not been in doubt. The traditional ruler of Nachi community, His Royal Highness, Igwe F.O Onuigbo, Obi II of Nachi, told Daily Sun at his palace that the mystery river was older than him. Onuigbo, who spoke through his wife because of his ill health, said "I used to pass through that area to attend school at Inyi-Achi in Oji River, in the early 40s. In those days, there was no water there. The only thing you see there is white sand. But once you get there and you

are thirsty, all you need to do is to scratch the surface of the land and ask for water. Water will full your hand immediately if you are an upright person, but if you are evil, no water will come out. That has been the situation." Corroborating the story of the traditional ruler, 80-yearold Chief Festus Ude recalled that after some years, "we noticed that the water will form a stream there and would disappear in few weeks. If such happens, we will be fetching water there. However, women who are menstruating and evil people don't go there. We never heard about the healing power of the River until this recent appearance of the river. "The last time it appeared was in 1992, and at that time, it just formed a small stream, which later disappeared. It has never been as large as this. This is all I know. We have never known about its healing power, this is the first time we are hearing about healing, I don't know whether it is true, we equally heard it like you." The 'Orimiri Jordan' in Nachi has opened up business opportunities for commercial motorcycle operators, popularly called Okada, photographers as well as petty traders. At the junction leading to the location of the river, a new and busy motor park, where hawkers, food vendors, transporters and okada riders battle for customers has been created. On the opposite side of the road, containers of various sizes are displayed for those who came empty handed. From that point, a visitor parks his vehicle, mounts on an okada and the journey begins through a very bad and tortuous road where only expert motorbike operators can manoeuvre. Okada riders, after several trips to and from the river, are being accustomed to the bad road. They are thus finding it less troublesome, because according to one of them, they had become used to the terrain since they ply the road not less than 30 times per day. Mr. Okechukwu, an okada operator, confessed that he abandoned his vulcanizing job to benefit from the new business. The okada operators charge between N500 to N1000 per passenger. Said he: "I have a vulcanizing shop at the Nachi Market, but when this new business came, I had to close the shop temporarily so that I can also

make money here. I hardly make N1000 a day there in my shop, but since I joined this Okada transport to the Enugu Jordan River, I make not less than N10, 000 every day. One of my friends called my attention to it, and I will forever be grateful to him." On getting to the river, snack hawkers and photographers make the best out of the crowded environment. While the visitors struggle to dip themselves or swim in the river, the photographers take vantage positions to take shots and get the pictures ready immediately at the cost of N200 depending on the number of exposures. One of the photographers disclosed that business is really booming at the site as they make between N20, 000 to N40, 000 every day. "You can see that some people come for fun, not just in search of miracle but to see the mysterious river. So when such people come, they request for shots and it has really provided us with good business here." Although no instant miracle was recorded or observed during this visit which lasted about one hour, many people told the reporter that a number of visitors had testified to all forms of miracles after visiting the place. People with all forms of ailments are being assisted by their relatives and friends to dip themselves into the river. A trader at the entrance told this reporter: "My house help was suffering from enlarged scrotum, We were trying to raise money to go to the University of Nigeria Teaching Hospital before a friend told me about this place. We brought the boy here and by the time we went home, he was fully healed. That was how I started selling empty cans here". Another visitor said that he came after neighbours told him about the healing power of the water. "I heard about people who had difficulties in walking but they got healed after visiting this place. I also heard of people who regained their sight after visiting this place. I am just coming out of the river and I believe that I am free from any form of sickness and challenges". Meanwhile, anxious Nigerians seeking miraculous solutions to their problems have continued to visit the new "River Jordan" for a healing bath in the mystery waters.

Nominees for appointment into the boards of DBS (Warri and Asaba) were not confirmed by the House on the ground that some of the nominees con-

travened the laws establishing the boards. According to the enabling law, the board shall consist of the chairman and six members representing

various interest groups including the Ministry of Information, the media, legal profession and three other members. PM News

VOLUME 8 • ISSUE 11 • NOVEMBER 2013

Sun

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BOOKS - EDITOR’S PICK

By Nora Roberts

By David Baldacci It seems at first like a simple, tragic story. Tyler Wingo, a teenage boy, learns the awful news that his father, a soldier, was killed in action in Afghanistan. Then the extraordinary happens: Tyler receives a communication from his father . . . after his supposed death. Tyler hires Sean and Michelle to solve the mystery surrounding his father. But their investigation quickly leads to deeper, more troubling questions. Could Tyler’s father really still be alive? What was his true mission? Could Tyler be the next target?

By Alice Munro

With indifferent parents, Iona Sheehan grew up craving devotion and acceptance. From her maternal grandmother, she learned where to find both: a land of lush forests, dazzling lakes, and centuries-old legends. Ireland. County Mayo, to be exact. Where her ancestors’ blood an d magic have flowed through generations— and where her destiny awaits.

My Best Stories is a dazzling selection of stories—seventeen favourites chosen by the author from across her distinguished career. The stories are arranged in the order in which they were written, allowing even the most devoted Munro admirer to discover how her work developed. “Royal Beatings” shows us right away how far we are from the romantic world of happy endings. “The Albanian Virgin” smashes the idea that all of her stories are set in B.C. or in Ontario’s “Alice Munro Country.” …….

By Carl Weber

Carl Weber, the New York Times bestselling author of Up to No Good, will keep you on edge with this tale of three lifelong friends. . . James Robinson and his wife have had their rough patches. But seven years into their marriage, things are better than ever…until James’s past comes back to haunt him—with a baby in tow. James’s best friend, Brent Williams, has always had women throwing themselves at him, but it’s taken Brent a while to find someone who wants him for the man he is on the inside. His plussized fiancée isn’t his usual type, but they seem like a match made in heaven—until

Debbie Macomber The alarm on Hallie's biological clock is buzzing away. She's hitting the big three-0 and there's no prospect of marriage, no man in sight. But Hallie's an organized, goal-setting kind of person. She gives herself a year to meet Mr. Knight in Shining Armor. But all her dates are disasters.

Richard Branson

I have been a longtime fan for Richard Branson and a great admirer of his approach to business and the Virgin Brand. It has been about 15 years since I read one of the first books about him and the start of Virgin Music, so I found this a fascinating read. The last two books I’ve reviewed, Jim Collins Great by Choice and Verne Harnish’s The Greatest Business Decisions of all Time, covered the turning point decisions in many businesses.

By Shayla Black

By John Grisham Seth Hubbard is a wealthy man dying of lung cancer. He trusts no one. Before he hangs himself from a sycamore tree, Hubbard leaves a new, handwritten, will. It is an act that drags his adult children, his black maid, and Jake into a conflict as riveting and dramatic as the murder trial that made Brigance one of Ford County’s most notorious citizens, just three years earlier. The second will raises far more questions than it answers. Why would Hubbard leave nearly all of his fortune to his maid? Had chemotherapy and painkillers affected his ability to think clearly?

How can a virgin seeking happily-ever-after with a hot pop star who has a penchant for threesomes win her fantasy man? Kimber Edgington desperately needs a plan to convince Jesse McCall, who’s been her secret crush since they spent a summer together as teenagers, that they are meant for each other. But all the tabloid stories about his sexual escapades make her feel oh so inadequate.

By Judge Judy Sheindlin

By Danielle Steel Lily Thomas is an aspiring ski champion training for the Olympics, a young woman with her heart set on winning the gold. But in one moment, Lily’s future is changed forever, her hopes for the Olympics swept away in a tragic accident. Dr. Jessie Matthews, the neurosurgeon who operates on her that night, endures a tragedy of her own, and instantly becomes the sole support of her four young children, while her own future hangs in the balance. Bill, Lily’s father, has pinned all his hopes on his only daughter, his dreams now shattered. Other lives will entwine themselves with theirs: Joe, a financial manager, faces a ruined career at the hand of a dishonest partner. Carole, a psychologist at Mass General, is a breast cancer survivor, her body and heart scarred by what she’s been through. Teddy, with a spinal cord injury worse than Lily’s, dreams of college and becoming an artist.

Maya Banks

Nigerian Canadian News If satisfied, tell others!

If not please, tell us.

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Distinctly Ahead

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YOUTH CORNER Your children need your presence more than your presents.

~ Jesse Jackson

Back to Work

monthly, but if I cannot, I will contribute a few times per year, make una under-

Dima Ugoh

have missed working on my column since I have returned to school, but I am back again. It is not easy to juggle all of my responsibilities. My publisher wrote emails to let me know that my column was missed. I am sorry I took my followers for granted. I will try to contribute

stand, I beg. Education is a foundation to a good future. Since Sept., I have come to understand why people are so involved in things that may not make sense to others. I have joined a few organizations and am attempting to make my

contributions. I have been driven to tears because of the unjust actions going on all over the world, past and present. The Holocaust, Aboriginals, Racism and other similar issues have concerned me greatly. I have called my mother on many occasions but her reply is almost always the same, “Dima, school is an eye opener. This is just the beginning. Darling, don’t break down, because you are just start-

Dietitian or nutritionist: What’s the difference? Accreditation, education, experience and accountability • Registered Dietitians use their knowledge and skills in food and nutrition to promote good health. • They are health care professionals who have earned a Bachelor’s degree specializing in food and nutrition and have completed supervised practical training through a university program or an approved hospital or community setting. • Dietitians must be registered with Provincial Regulatory Bodies and are the only professionals who can use the titles “Registered Dietitian”, “Professional Dietitian” and “Dietitian”, which are protected by law. Look for the letters

R.D., P.Dt. or D.Pt. after the name, indicating that the person is a registered member of the profession. • Dietitians are accountable to provincial regulatory bodies for their professional conduct and the care they provide. For more information, contact the regulatory body in your province. • Dietitians are committed to public protection. In most provinces there are not regulatory standards to protect the title “Nutritionist.” In provinces where “Nutritionist” is a protected title it usually is “Dietitian-Nutritionist” that is protected by law. Source: www.dietitians.ca

Make Words from these letters BORETLAP ___________________ BIGOLYBN ___________________ ESRDETEP ___________________ EROIEVCC ___________________ REFUERFS ___________________ See answer on page 37

ing.” WAO! Femi Lawson is certainly doing his part in contributing. He was the MC at Trent University Afrobana event. Keep it up, bro we are very proud of you!!! I will be writing an interview with him soon, please keep a watch for it. He is sure going places. I would also like to shine some light on Joseph Adamu, our Youth Model of the Month, see Page 27. That guy has his

own brand. Check out his color combinations. We’re watching Joe. Our boys are stepping up! Hey Girls, what’s up? Do not let your circumstances limit you. Branch out, reach out, step out, stretch forward and NEVER be stagnant. My darlings always remember that education opens doors. It does not have to be college or university. There are trade schools for specific training. Tradesmen and

women often make even more money than many unspecialized college graduates. The sin is to remain stagnant. At any age, you cannot wait for anyone else to motivate you. You must motivate yourself. I would like to use this opportunity to wish you all a Merry Christmas. Til next issue, branch out and be unique! To reach me: dima_62@hotmail.com

WORDS WITHIN WORDS

Book of the month

Their Eyes Were Watching God

School 35 words in SCHOOL

1.___________________________________________ 2.___________________________________________ 3.___________________________________________ 4.___________________________________________

By Zora Neala Hurston

ne of the most important works of twentieth-century American literature, Zora Neale Hurston's beloved 1937 classic, Their Eyes Were Watching God, is an enduring Southern love story sparkling with wit, beauty, and heartfelt wisdom. Told in the captivating voice of a woman who refuses to live in sorrow, bitterness, fear, or foolish romantic dreams………. Source:Amazon.com

See answer on page 37

Abbreviations – UNITED NATIONS ABCD – Another Bad China Day ANSWER – Act Now to Stop War and End Racism CAF – Central African Federation CM – Court Martial CMS – Chaos, Misery and Suffering HR – Hopelessly Repressed

ABUJA – CAPITAL CITY OF NIGERIA, BUILT TO REPLACE LAGOS IN 1982

Match Up Aborigine Reverberation Catalyst Mishpocha

Accelerator Government by women Repercussion The state of being edacious; voraciousness; appetite Indigine An entire family network comprising relatives by blood and marriage and sometimes including close friends; clan.

Gynarchy Edacity

See answer on page 37

Analogy Match

Advice is a stranger; if he’s welcome he stays for the night; if not, he leaves the same day. ~Malagasy Proverb

Choose the answer that best completes the analogy A. Passive is to submissive as: a. Inadequate is to proficient b. Ignorant is to uniformed c. Ignorant is to knowledge d. Peculiar is to normal B. Patched is to dry as: a. Moist is to moisten

b. Starved is to hungry c. Water is to thirsty d. Dusty is to desert C. Tragedy is to joy: a. Interpretation is to explanation b. Diffusion is to dispersal c. Viewpoint is to belief d. Debate is to agree

See answer on page 37

VOLUME 8 • ISSUE 11 • NOVEMBER 2013

D. Giggle is to laugh as: a. Wink is to eye b. Sneeze is to cough c. Snore is to sleep d. Cry is to sob E. Biodegradable is to eco-friendly as: a. Consumption is to wasteful b. Frequency is to irregularity c. Acceleration is to slowing down d. Consumption is to using up

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WORLD

African Infiltrators May Receive Thousands of Dollars to Leave Israel CONTRIBUTOR: NATNAEL A African Infiltrators May Receive Thousands of Dollars to Leave Israel Interior Minister Gideon Sa’ar proposes raising amount given to infiltrators who voluntarily leave the country • New sum may reach $5,000 per person, up from $1,500 • Director of Amnesty International Israel: This is bribery, it is despicable. The amount given to infiltrators to promote their voluntary exit from Israel is expected to grow significantly, reaching as much as $5,000 per person, Channel 2 reported. This was discussed at a recent meeting between Prime Minister Benjamin Netanyahu and Interior Minister Gideon Sa’ar, during which Sa’ar presented a multi-step initiative intended to deal with the infiltrator phenomenon. Netanyahu gave the initial go-ahead to the pro-

posal to raise the amount given to infiltrators who voluntarily leave the country. The sum given currently amounts to about $1,500 per person. Channel 2 reported Tuesday that the new sum may skyrocket as high as $5,000 per person. Discussions are ongoing between Director General of the Prime Minister’s office attorney Harel Locker and the Finance Ministry. Amnesty International Israel Director Yonatan Gher called the plan “despicable, the government of Israel cannot continue to evade its responsibility to those who came here to

seek shelter. I suggest they use the money to add resources and infrastructure that could make life easier in south Tel Aviv and to regulate the employment of asylum seekers,” said Gher. Another issue discussed at the meeting was an alternative law to the Prevention of Infiltration Law struck down by the High Court. The replacement law would allow the imprisonment of infiltrators for up to 18 months, instead of three years, as was indicated in the previous law. http://eastafro.com

Ethiopia plans Africa’s biggest dam By Pavithra Rao Ethiopia’s ambitious plan to build a $4.2 billion dam in the Benishangul-Gumuz region, 40 kms from its border with Sudan, is expected to provide 6,000 megawatts of electricity, enough for its population plus some excess it can sell to neighbouring countries. Dubbed the Grand Ethiopian Renaissance Dam, it will be Africa’s biggest dam and will depend on water from the 6,700-km Nile River, the world’s longest river. But Ethiopia must first resolve matters with Egypt, which, along with Sudan, claims the rights to the river following a 1929 agreement. That agreement excluded other countries along the Nile River trajectory, such as Ethiopia, Kenya, Rwanda, Tanzania and Uganda. Egypt fears that the dam will suck up water flows to the country and severely affect its domestic consumption. About 86% of the Nile River’s water actually originates from Ethiopia, a point the country is underscoring to press its case. In addition, it says that indepen-

dent experts believe the dam will not affect water flows to Egypt. “There should not be any concerns about a diminished water flow,” Alemayehu Tegenu, Ethiopia’s minister of water and energy, told the Associated Press news agency. Such assurances have not calmed Egypt’s fears. In early June, then-president Mohammed Morsi directed his foreign and irrigation ministers to get more information from Ethiopia on the dam’s impact on water supply to Egypt. Although President Morsi took a cautious approach, some Egyptian politicians were demanding a stronger response. Many observers, however, believe that the countries will find a compromise point that will allow Ethiopia to complete the project by July 2017 and also ensure that there is no impact on water flows to Egypt’s population. Egypt also recently launched a water transportation route that will connect it with nine other East African countries: Democratic Republic of the Congo, Burundi, Ethiopia, Kenya, Rwanda, South Su-

dan, Sudan, Tanzania and Uganda. Managing trans-boundary water resources is not always a complicated matter. Since 1994, for example, Angola, Botswana, and Namibia have successfully managed water supplies from the 1,100-km Okavango River that runs through all three countries. They signed an agreement to coordinate water sharing and sustainable use, and even set up the Permanent Okavango River Basin Water Commission to monitor the agreement. Water is a huge issue in Africa. Up to 300 million Africans still don’t have access to safe drinking water, according to the World Bank. The UN in 2010 declared access to clean water a fundamental human right. Drought in the horn of Africa has caused thousands of deaths, killing 260,000 people in Somalia alone from 2010 to 2012, according to the US-funded Famine Early Warning Systems Network, which provides information on food insecurity. African countries are making mixed progress continued on p(43)

Zimbabwe warns foreign firms of January 2014 arrest The owners of foreign firms operating in certain sectors in Zimbabwe after 1 January 2014 will be arrested, a senior official has warned. Economic Empowerment Secretary George Magosvongwe issued the warning in parliament, state media reports. “Indigenisation” of the economy was one of President Robert Mugabe’s main campaign themes in the March election. Farming, hairdressing and baking are among the sectors now reserved for “indigenous”, or black, Zimbabweans. “1 January is a month to come and we are putting in place measures for enforcement in the event that they do not comply,” the stateowned Herald newspaper quotes Mr Magosvongwe as saying. He said that Zimbabweans

Economic Empowerment Secretary George Magosvongwe

were being identified to take over businesses to prevent shortages of goods. According to the Herald the “reserved sectors of the economy” include: Retail and wholesale business, hairdressers, beauty salons, bakers, employment agencies, agriculture, transport, estate agencies and advertising agencies. It said that foreign-owned restaurants which did not serve local food would not

be affected. Owners of businesses without indigenisation compliance certificates face a fine or imprisonment if they are still operating, the Herald reports. It says these certificates are only given to local people. The BBC’s Brian Hungwe in Harare says that there has been growing concern in Zimbabwe over an influx of traders from Nigeria and China who sell all sorts of goods in local markets, undercutting local retailers. Mr Mugabe says his policies are needed because under colonial rule, many economic sectors were reserved for white people. His critics say that his seizure of most of the country’s white-owned land has ruined what used to be one of Africa’s most developed economies. Source:BBC

Kuwait and Kenya sign tourism cooperation agreement Kenya and Kuwait have signed an MOU expected to boost the number of tourists from the Middle East oil-rich nation. East African Affairs, Commerce and Tourism Cabinet Secretary Phyllis Kandie signed the MOU on behalf of Kenya with Kuwaiti Minister for Industry and Commerce Amani Bouresly signing on behalf of his country. Ms Kandie, who accompanied President Uhuru on his trip to attend the ArabAfrica Summit in Kuwait,

said the Middle East is a major part of Kenya’s strategy of wooing tourists from emerging markets. “Residents of the Middle East and Gulf States are now more travel conscious and we want to take advantage of this to woo high spenders from the petro dollar economies,” she said. New markets “My country is keen to invest in Kenya’s tourism and service sector especially in construction of new hotels and we want to encourage our citizens to visit Kenya

and East Africa,” Bouresly said. The government is targeting new markets to fulfil the desire to grow the number of tourists visiting Kenya from the current average of one million to three million by 2015. Also in Kuwait, the Principal Secretary for the East African Community, Commerce and Tourism Dr Ibrahim Mohamed said the Kenya Tourism Board (KTB) and private sector players are changing continued on p(43)

Samsung to pay Apple $290m for copyright infringement

This verdict comes after a previous jury found Samsung owed Apple $1.05bn for copyright infringement. However, US District Judge Lucy Koh ordered a retrial because she said that jury miscalculated the amount Samsung must pay. Samsung is expected to appeal. Apple said in a statement: “For Apple, this case has always been about more than

VOLUME 8 • ISSUE 11 • NOVEMBER 2013

patents and money. It has been about innovation and the hard work that goes into inventing products that people love. “While it’s impossible to put a price tag on those values, we are grateful to the jury for showing Samsung that copying has a cost.” The jury’s ruling covers 13 of the 26 Samsung devices that Apple had argued copied its technology. These are mostly

older Samsung tablets and smartphones, BBC reports. The $290m figure comes on top of the $550m Samsung owes Apple as a result of the initial verdict. In total, Apple has now been awarded close to $930m in the case. Apple shares traded slightly higher on the news. Samsung closed down slightly earlier in the day. Business Day

NIGERIAN CANADIAN NEWS • To Advertise Call : 416-318-3506 continued from p(1) While much of Alberta is typi cally thought of as

having very conservative values, it should be noted that Edmonton historically is not as conservative as the rest of the province, regularly electing Liberals and New Democrats to Parliament, as well as the provincial legislature. And for the record, it’s not the first Canadian police service to introduce the headscarf worn by many devout Muslim women. The Toronto Police Service opened the door to hijabwearing officers in 2011 and has actively worked at recruiting female Muslims to the force, QMI Agency reported at the time. To be fair, the force didn’t exactly trumpet that change. A subsequent news release on the swearing in of new auxiliary police officers buried the fact recruit Mona Tabesh was “the first woman to wear

a hijab in a Toronto Police Service uniform.” Toronto’s initiative drew a predictable reaction from traditionalists. Toronto Sun guest columnist David Menzies saw it as political correctness, an unreasonable extension of reasonable accommodation to the city’s multicultural reality. “Indeed, just how far do we take reasonable accommodation in the police department?” Menzies wrote. “Do Muslim police officers reserve the right not to work with the Canine Unit, given that many Muslims consider dogs ‘unclean?’ Will ham sandwiches be banned from police stations due to dietary restrictions?” Edmonton Councillor Scott McKeen called his city’s initiative a “gesture of inclusion” toward the local Muslim community that sometimes feels “skit-

tish” at times because of Islamophobia. “One of the perceptions about Edmonton and Alberta is that we’re kind of redneck,” McKeen told the Post. Offering the hijab as an option for police recruits, especially in the absence of any political pressure, “is sort of saying we want to have a diverse police service that reflects the diversity and multicultural aspects of Edmonton…. I’m proud of us.” McKeen observed the decision is in striking contrast to Quebec’s move, via its proposed values charter, to bar the hijab and other overt religious symbols from being worn by public servants. The move is a “natural evolution” for policing in Canada, executive director of the National Council of Canadian Muslims Ihsaan Gardee told the Post,

comparing it to the introduction of the Sikh turban to the RCMP uniform in 1990. That change triggered heated debate at the time and still rankles in some quarters, but most people now take it for granted. Muslim policewomen in London, England’s Metropolitan Police Force have been allowed to wear a hijab since 2001. “We know of many Muslim women who had thought of joining the Met, only to be put off when they were told they could not wear the hijab,” Mahammad Mahroof, of the Association of Muslim Police told the Guardian at the time. “Hopefully, having this option will encourage more to become police officers.” Other British police forces have since implemented the change. “The move is seen as a

breakdown in your relationship.

the word “close”). As other issues in life, there are many schools of thought on this sensitive issue. Whilst some people don’t understand why it should be a point of discussion at all (because every mature person should know the difference between an intimate partner and a platonic friend), some acknowledge the fact that ‘friends’ of the opposite sex can cause major ‘wahala’ between partners. One extreme school of thought opines that a woman should be free to have close male friends, whether or not these close male friends eventually become her husband’s friends, while the other extreme school preaches the ‘nono’ approach. Some people feel that such close relations are not harmful where the other men have women of their own, while for others, this cannot guarantee platonic relationships because lots of people are into multiple partners anyway. When these close male friends are in the woman’s workplace, it could also be a bigger problem because she

spends more time at work than at home. What this implies is that she spends more time with these close friends than her partner. Imagine how threatened some men could feel about this. I think the biggest of all the problems on this issue arises when the woman remains ‘close’ to an ex. In fact, for most men, this is a big ‘no-no’. As far as they are concerned, when a woman breaks up with a man and remains close to him, she probably doesn’t mind going back to him. This is debatable, but my question to such women is: why bother? How valuable can your past be in relation to your future? Ponder! Thinking about it from several angles, there are many questions to ask from, each from two angles (of blame). A few of them are: Why would a woman be expected to throw male friends away after marriage (or commitment to a relationship); is marriage/ courtship a prison yard or death sentence? versus Why should a woman retain close male friends after marriage/commitment

Ora (Oha) Soup continued from p(19) Before you cook the Nigerian Ora Soup • Grind the crayfish and pepper and set aside.  • Wash and boil the cocoyam corms till soft. Remove the peels and use a mortar and pestle to pound the corms to a smooth paste. • Using your fingers, cut the Ora (Oha) leaves into tiny pieces. This technique is to prevent the vegetable from becoming darker in colour. This happens when you cut the ora leaves with a knife. Cooking Directions • Boil the shaki (cow tripe), stock fish and dry fish in 1 litre of water till they are well done. First sign of a done shaki is that the cuts will start curling on itself.

• Wash the beef and add to the pot of shaki etc. and continue cooking. When the meat is done, add 2 stock cubes and cook for 5 minutes. • Add the pepper, ogiri Igbo and ground crayfish and cook for 10 minutes. Add the cocoyam paste in small lumps and then the palm oil. • Cover the pot and leave to cook on high heat till all the cocoyam lumps have dissolved. You can add more water if you feel that the soup is too thick. • Add the ora (oha) leaves and leave to cook for about 5 minutes. • Add salt to taste and the soup is ready to be served with Eba, Cassava Fufu, Semolina, Amala or Pounded Yam. Source: www.allnigerianrecipes.com

further sign of official acceptance of Britain as a religiously diverse society where faith-related accommodations should be made for all individuals,” says a Facebook page on the

topic. In Canada, Canada Border Services Agency and the armed forces permit the hijab as part of the uniform. Yahoo.News

to a partner; cant she make sacrifices for her man? Why would a man feel threatened by his partner’s relations with other men; doesn’t he trust her? versus why should a woman create avenues of mistrust by keeping close male friends; doesn’t she know that close male friends are potential partners for infidelity? Is it really possible, in this technologically- driven and social network age, for a ‘committed’ woman to avoid having close male friends? versus is it possible, in this day and age, for people of the opposite sex to relate closely without one getting sexually attracted to the other? Why should a man be so selfish as to expect total exclusivity from his partner? versus why should a committed woman devote part of the limited time she has to spend with her partner to other men? Not all males around you are sexually attracted to you, and quite a number of them can never really be seen as ‘risky business’. However, the problem is: what parameters do you use in determining who is a

potential risk and who determines that? A woman, thinking as a woman, may see her close male friend as harmless because she feels emotionally detached from him. But, her partner, thinking like a man and putting himself in that other man’s shoes, would most likely feel that that other man would find his partner irresistible. Doesn’t this make some sense? In my opinion, despite the fact that men are jealous by default, a woman can determine whether her relations with other men (close or not) can be sources of conflict between her and her partner. Inappropriate hugs, late night calls, private meetings, long discussions, ‘private gist’, special profile messages/ dedications on social networks (facebook, blackberry messenger, etc) will tick almost any man off, no matter how ‘secure’ he is. So, women, don’t push it. So should women maintain close relationships with men other than their partners? My answer (like a typical Nigerian): How close is close?

ucts. Today, people are going to other destinations which have the same facilities and attractions we have in Kenya,” he said. Addressing the media in Kuwait, KTB’s Managing Director Muriithi Ndegwa said KTB would use its Market

Development Representatives to carry out continuous research that will ensure that Kenya remains relevant to potential tourists from Kuwait.

continued from p(21) It becomes even glaring when the cross gender friend is obviously very attractive. Be that as it may however, and given all the above explanations, I’ll still say that there is nothing wrong with your partner having close friends of the opposite sex. The partner only needs to maintain some certain rules in the cross gender friendship and no harm will be done. Also, if your partner can minimize sexual tension with the new friend by not being unusually touchy or putting themselves in compromising positions, even if they are naturally affectionate persons, will reduce giving people the impression that the friendship is more than what it’s claimed to be. Finally, if all these fail and your partner is allowing the new friendship to affect your relationship, both of you should sit down and iron out the grey areas quickly to forestall a

It depends When you make a commitment to an intimate relationship with someone of the opposite sex, on any level (dating, courtship or marriage), the general implication is that you have agreed to place him/her on a separate and distinct pedestal of the highest category, to the exclusion of all others, especially those of his/ her gender. By making the commitment, you are saying to him/her that you have chosen him/her as the most special friend in your life. The question is this: does this commitment also imply that no other person of your partner’s gender who does not have any blood ties with you can retain a close relationship with you? As a woman, are you precluded from having men as close friends? (Please give whatever definition you wish to

continued from p(42) towards the Millennium Development Goal drinking water global target, which is to halve by 2015 the number of people without access to clean water. While North Africa has attained up to 92% water coverage, sub-Saharan Africa has only managed 63%, states the 2013 Millennium Development Goals report. The report adds that in subSaharan Africa improvements have mainly been in

the urban areas, while in the rural areas about 40% of households still don’t have access to safe water. With 2013 declared by the UN as the International Year of Water Cooperation, African governments, development agencies, citizens and others will have to formulate and implement policies to ensure efficient water management. Africa Renewal

continued from p(42) Kuwait and Kenya sign tourism... tact in how they sell Kenya as a destination to new and potential markets. He said one of the new marketing approaches already under implementation is the introduction of tailormade packages informed by the specific areas of interest

that people from a specific country look out for. “The numbers we are receiving today from Kuwait and the region are not as high as they should be. This is mainly because there is no proper awareness about Kenya’s distinct tourism prod-

VOLUME 8 • ISSUE 11 • NOVEMBER 2013

Source: www.eturbonews.com

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ENTERTAINMENT NEWS

The Smith family finally spotted together Author(s): Viola Sonibare In recent times, the Smith family has received a different kind of attention from what they are used to. Countless reports have speculated that the family is going through a tough time due to Will and Jada’s rumoured separation. The couple, however, has put most of those rumours to rest as the whole family was finally seen together in Las Vegas for Will’s son Trey’s 21st birthday party. Reports say Will and Jada looked inseparable as they partied and celebrated Trey’s big day with their other children, Jaden and Willow. Trey was given a birthday cake by the hosts of the event and invited to take over the decks as Will cheered him on and captured the moment on camera.

Story by Aman

This is the first time the Smith family has been spotted together since rumours of the parents’ split began. There is speculation that the couple has even put up their family home for sale and Jada currently lives with her brother. Rumours of the reason for their split being Will’s infidelity, escalated when pic-

tures of he and co-star, Margot Robbie, were released on the internet. Will has said nothing to confirm or deny the rumours but Margot recently told journalists that there was nothing to the pictures and that she and Will were only “goofing around”. telegraphng.com

Ghanaian Veteran Hip-Life Musician Ronnie Coaches Of (BUK BAK) is dead A member of the Ghanaian hiplife group, Buk Bak is dead. The sad event occurred in the early hours of Thursday at the Korle Bu Teaching Hospital where he was undergoing treatment after some short illness. Buk Bak started as a three member group made up of Prince Bright [Bling

Blin g Sparkles]; a versatile rapper, who raps in Ga, Twi and pidgin whiles Shoetan was known for English raps and Ronnie the ragga voiced dude adds his voice to make songs complete. Their songs became instant hits because of their catchy choruses. Source:modernghana. com

The story of Nollywood sexy actress, Caroline Ekanem-Dajunma is not hidden. She is a one time glamorous screen diva who later became the second wife of billionaire Musa Danjuma. Since then, Mrs. Danjuma who gave up her career in acting for the marriage has enjoyed all that money can buy and good things of life. However, it appears something is disturbing the actress. She recently confessed

on her Facebook page that being the second best and being in second place is not fun. It appears something is actually missing here. See here comment below… “It is no fun being in second place, thrive to be the best, live your dreams, you have given so much to the world, its time to live for you, trust yourself and work endlessly. May the lord give you all your heart desires''. There nothing Mrs Danjuma will do about the second

Word coming from Tanzania has it that Diamond who is currently in relationship with radio presenter Penny is related and worst by blood. The news has been do doing rounds on major blocks sending shock waves amongst many. The two have maintained a relationship despite claims that diamond would get back with his ex Wema Sepetu. Diamond’s grandmother and Penny’s grandmother happen to share the same mother, complicated as it sounds but technically according to the Tanzanians, these people are related and bound by blood like a brother and a sister. When contacted, Diamond who is in Nigeria currently recording a song with Davido, admitted the claims that he is related to his current girlfriend Penny, “yes we are related but I didn’t know about this until recently” he admitted to

Amani, an influential Tanzania blogger. Penny on the other side says the relationship has gotten even more tighter, “yes we are related and that has strengthened my love towards Diamond, I’m so much in love such that nothing is separating us in fact we are more tight now, what has happened has happened nothing can be done about it rather than accepting and moving on, he is the best lover in the world to give up to

anybody for whatsoever reason” shrugs Penny, Diamond’s girlfriend. The shocking revelation was exposed to the public by a family member who us disgusted at the fact that the two are continuing to have a relationship and worse intercourse despite the fact of being related. Diamond failed to comment on whether he’ll abandon the relationship or not, the girlfriend on the other end says this is not dying anytime soon

Gaga opens up about her relationship

Caroline Danjuma Confesses, ‘Being in Second Place is Not Fun’ By Juia Blaise

Popular Tanzanian Singer Diamond Admits Having Séx with His Blood Sister

place, but she just has to keep enjoying all the wealth and take good care of her family.

The 27-year-old star has been in a relationship with Taylor Kinney, a Hollywood actor, since July last year. Lady Gaga, whose real name is Stephani Germanotta, said during an interview that her relationship is a monogamous one; and when asked if she would engage in a threesome, said it sounded like fun. She and Taylor met on the set of her ‘You And I’ video and started dating almost immediately. In the course of the interview, Gaga said: “Here’s the thing. I’m not the type of person that’s having sex all the time with lots of random people. I don’t do that. I’m in a monogamous relationship, we’re having a good time, we’ve been together awhile . . . If it were to come up, it comes up.” Gaga recently confessed to fighting a marijuana addiction and made it no secret that she feels lucky to be dating Taylor because he accepts her as he is and doesn’t pay attention to all

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the exposure that comes with her being a celebrity. “To be fair, he has stuck it out with me for a very long time through drug habits and all those sorts of things,” she said. “So he’s a really lovely, amazing person. And he also doesn’t care about me being famous. I’m not famous to him, I’m his baby.” In defining the type of relationship they had, Gaga said they didn’t have any particu-

lar rules that they followed to keep their relationship good. “We don’t have any rules about calling each other at certain times,” she said. “We’ll go days at time without talking and then we’ll talk for every day. The way that it really works is that we trust each other. He’s on his journey and I’m on mine and we’re gypsies. And then when we’re together, we’re really in love and that’s it.”

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continued from p(38) 0Bong Of Calabar Flays ... investment, Dr Olusegun Aganga disabused the mind of the Obong and others that his ministry was rolling out an Industrial Revolution Plan and that it was not going to be business as usual as much emphasis has since been placed on implementation of government programmes. He stressed that President Goodluck Jonathan’s Trans-

formation Agenda has practical ways to stir up developmental actions. Decrying attitude of permanent secretaries and other government officials on whose laps lies the day-to-day implementation of any government plan, the Obong said a small cabal would usually block any sincere efforts of government and corner the proceeds

to continually enrich themselves, leaving the intended proposal or job undone. He said there are many cabals, some tribal, in many government departments, agencies and in other sectors that deliberately make lives of the common man miserable even though government has best of intentions. The monarch emphasised

that tribal sentiment by government technocrats has contributed to the neglect of Nigerian Port Authority Calabar even though many other ports in the country could be congested yet such tribal cabal would prefer not to send ships to Calabar port that is free to discharge their cargoes.     He called for complete transformation of the indi-

vidual Nigerians so that they may appreciate the imperatives of policy implementation.    Former PDP gubernatorial candidate in Lagos State and Nigeria’s ambassador to Ghana who heads the ITF, Senator Musiliu Obanikoro said in his welcome address at that event that the president was heavily investing in human capacity

development as a way transforming the individual for a quality and secure tomorrow.    He said the Fund was poised to ensure that they key in to the critical aspect of job creation, involving renowned experts and modern technologies.

The suspension of the exercise, however, led to an unprecedented increase in transmission of the virus to 17 local government areas that had been polio free. The inoculation drive was now back on track due to renewed awareness and support by local political leaders, traditional rulers and clerics. According to Global Polio Eradication Initiative, Nigeria is one of the most entrenched reservoirs of wild poliovirus in the world. It is the only country with ongoing transmission of all three serotypes: wild poliovirus type 1, wild poliovirus type 3, and circulating vaccine-derived poliovirus type 2. The northern states are the main source of polio infections in Nigeria, as well as neighbouring countries. In 2009, operational improvements in these northern states led to a 90 percent de-

cline in cases of wild poliovirus type 1 and a 50 percent decline in overall cases compared with 2008. The Global Polio Eradication Initiative said this week, that Nigeria had 51 of the 328 cases of the disease worldwide in 2013. That compares to 121 out of 223 in the previous 12 months, which is about half of the global estimates of Polio. Zubairu attributed the drop to the use of technology and phone tracking of the volunteers who administered the vaccine. “Since we started tracking we have seen a systematic increase in polio immunisation coverage and we are right on track to eradicating polio in Nigeria,” Zubairu said. Nigeria is one of the three countries where Poliomyelitis is still endemic. The fight against polio has intensified with Billionaire Microsoft founder, Bill Gates, and his wife’s charitable foun-

dation in partnership with Dangote Foundation, promising to eradicate polio in Nigeria by 2014. Bill and Melinda Gates Foundation, which is funding the four-year project gave the assurance during a two-day polio eradication campaign visit to Nigeria. The phone-tracking, which is an idea of the WHO is funded by Bill and Melinda Gates Foundation. President Goodluck Jonathan expressed optimism that with such powerful figures on board there was “no reason” why polio could not be wiped out in 2014. Following the high cost of the tracking project, the Gates’ Foundation concentrated on 40 high-risk areas in eight northern states, including Kano. Kano was targeted because of its high prevalence of polio and because many parents were still suspicious of im-

munisation programmes. The number of homes visited to administer the vaccine were few because some parents still rejected the vaccine. “The tracking is all in a bid to increase vaccination coverage and ensure good supervision,” said Zubairu. Zubairu, while explaining how the tracking device works, said yellow electronic dots appeared on the satellite maps of each of Kano’s six target districts every time a vaccination team stayed at a location for more than two minutes. Green horizontal and vertical grid lines divided an area into squares, with each box representing a house. “If no tracks are found in any box it means that house was not visited, and by that you can compute the number of houses covered and the percentage of coverage without being overwhelmed by the number of valid tracks

generated in an area visited by vaccinators” Zubairu explained. In one section, the screen showed that only half of the houses were visited despite a succession of yellow dots on the Google Maps software. Nigeria, Pakistan and Afghanistan are the world’s last three countries where polio remains endemic followed by Somalia and Syria due to the recent breakdown of infrastructure in both countries. Polio, or poliomyelitis, is a highly contagious viral infection that can lead to paralysis, breathing problems, or even death. Polio can be classified as either symptomatic or asymptomatic. About 95 percent of all cases display no symptoms (asymptomatic polio), and between four percent and eight percent of cases display symptoms (symptomatic polio).

that Sheriff would also be paying overseas facility managers for the maintenance of the aircraft and would also pay charges to the company under which the aircraft was registered overseas. The main price of the aircraft is $65 million but other charges could have raised it to $72 million and according to US-based Forbes magazine, the Gulfstream G650 has an order

book of 200 customers throughout the world. “A $65 million price tag doesn’t seem to detract from the fascination with this incredible airplane. While the rest of the business aviation industry is battling the depressed economy, there seems to be a buoyant market in the US and abroad for this ultra-high-priced, highperformance jet. “And why not? With a top

speed of 92 per cent of the speed of sound (arguably the fastest civilian jet in the world), room for a basketball team, 8,000-statutemile range and some of the most sophisticated avionics rivalling nearly anything in the sky, this airplane is perfect for doing business on a global scale. “Because of its superlatives, including price, however, it also appeals greatly to the ‘if you’ve got

it, flaunt it’ crowd,” Forbes said on its Brand Voice website. Gulfstream described the aircraft as ultra-highspeed, ultra-long-range business jet and the gold standard in business aviation. The model was introduced in 2008 with a capacity for eight passengers and a crew of four on nonstop legs of 7,000 nautical miles (12,964 km) for stan-

dard configuration. “That means it will link Dubai with New York and London with Buenos Aires. With its powerful Rolls-Royce BR725 engines, the G650 will cover shorter distances at a speed of Mach 0.925. No traditional business jet will take you closer to the speed of sound,” Gulfstream said on its website.

joined the church. From your letter, it is also obvious both of you didn’t cultivate the culture of discussing your desires before taking the decision to execute. He changed church without seeking your opinion while you followed to please him. By right, it is an issue both of you should have agreed on because the tenets of marriage demand that a couple must be in agreement on everything. You should have demanded at that point for his reason as well as his focus. Marriage isn’t just about having good sex, it is a combination of everything. You made the costly mistake of premising everything about you

marriage on sex so much so you didn’t even give yourself a chance to study the behaviour and mindset of the man you were married to. As long as he was ready to satisfy your sexual urges you were happy to allow him the freedom to fly. In a way you unwittingly nurtured him not to consult you on anything, take decisions on your behalf and implement without recourse to your person. His attitude really has nothing to do with him changing church but simply a demonstration of who he really is, the person you previously ignored. You two didn’t grow friendship because you were too involved in the sexual aspect

of your union. The consequence is that you both don’t have anything to fall back on, to pull you out of this abyss your relationship is going into. Because his habit is formed and beyond what you can do on your own, there is also the need to commit this side of him to God in prayers. By not blaming the church and instead focusing on your own contributions to the problem you have on hand, your prayer point would be easier to define. Don’t for the sake of your children and essentially for your own peace of mind, do anything to compromise your marriage. There is hardly any marriage that is free of challenges;

if nothing, be grateful that you are not losing him to another woman. It could have been worse if he is rejecting you for another woman in his life. No matter how frustrating for you, you shouldn’t have re-established contact with your ex. You didn’t act right; besides, it makes you appear too desperate to have sex without caring about the consequences. While your husband is wrong to have abandoned his responsibilities to you, it is also wrong for you to be overtly desperate for sex. If your husband were away for a year on a course abroad, won’t you cope? If you were caught the focus would remove from what

pushed you into it but to you betraying your husband. Hard as it is for you, good judgment demands you put a strong restrain on yourself. Frankly, this is when you need God the most, as well as learn to train yourself for the challenges of marriage. It isn’t every time we get what we want from our spouses. Marriage is learning about sacrifices, as well as adjusting to the demands of the moment. You have to be ready to key into his vision for him to understand what you are going through as a woman. Don’t worry, God will help make it right for you provided you are ready to rely on Him completely. Good luck.

Source: www.atlanticreporters.net

continued from p(38) Kano adopts advanced... the vaccines would make children barren when the grew into adulthood while others saw the house-to-house method as intrusive. There was also suspicion among locals that the polio vaccine was laced with infertility hormones as part of a US-led plot to cut down the Muslim population. The Kano State Government had to suspend the exercise between September 2003 and November 2004, following the spread of such rumours among Muslim clerics. Laboratory analysis both inside and out of Nigeria confirmed that the vaccine was safe but public rejection persisted. According to a World Health Organisation (WHO) doctor in Kano, the rumor prompted some immunisation officials to falsify data to justify their allowances, a practice which the phone tracking would now curb.

-Telegraphng.com

continued from p(38) engineers licensed in the United Arab Emirates would be authorised to operate and service the aircraft. “By registering the aircraft overseas, he has avoided tax and import duty, which he should pay to a country where he is a citizen and from which he made the money which he now spends on a foreign crew,” he said. The source also explained

Source: Elombah.com

continued from p(14) in a marriage isn’t a sin hence he should not feel guilty at expressing himself in intimacy with his wife. However, if the orientation of the church is such that sees sex as functional only for the purpose of procreation and not for recreation between a couple, in addition to prayers, you can also get books written by renowned religious leaders on the place of sex in the marriage. Spiritually, you need to resist this moment because a lot of times, the devil uses the things we are weak at to prevent the designs of God in our lives. There is no contesting the fact that your problem started even before your husband

VOLUME 8 • ISSUE 11 • NOVEMBER 2013

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RELIGION Cohabitation: right or wrong? word. Hebrews 13:4 commands everyone to honour the institution of marriage.

By: Pastor Taiwo Odubiyi E-mail: info@pastortaiwoodubiyi.org.uk Cohabitation is where a man and a woman who are not married in any way live together as if they are married. Quite a number of people practice it, telling themselves that it is okay. It happens even in universities, with students of opposite sex choosing to live together on campuses. Some people travel abroad and cohabit with people they are not married to. Their excuse is that they don’t have a choice. These people go to church and attend functions together, and they are assumed to be married. It is getting to the point where almost everyone knows a man who is living with a woman he is not married to, and sometimes instead of saying husband and wife, people use ‘partners’. Couples who cohabit give all manner of excuses to justify their actions: it will save them rent money; it will help them know if they are compatible or get along; they will get married anyway; it will make them really know the person etc. They claim that it’s a good way to avoid divorce. But is it really okay and right? No, it is not. There are people who feel that couples need to ‘test-drive’ before they get married, their reason being that people would not buy a car without test-driving it or buy trousers without trying them on. A person said that it is unwise to marry someone you have not lived with or had sex with. These people are very wrong and have been deceived into believing wrong things about marriage. Marriage is a divine institution. It was ordained by God and the rules are determined by Him. His word should be our standard. But does this form of ‘test-drive’ guarantee eventual marital success? No, it does not. Is it more beneficial than marriage? Certainly not. The truth is that most people choose to live together because they don’t want to be tied down. For many women, they agree to living together because they think it’s a step toward marriage but for most men, it’s a way of postponing commitment. And because

Pastor Taiwo Odubiyi

there is no form of commitment, these couples usually break up. Cohabiting does not reflect the life and the teachings of God nor the kind of marriage that God ordained. And in 1Timothy 4:1-3, the Bible reveals that in the end times, some people would yield to deceiving spirits and demon-inspired ideas, and desert the institution of marriage, doing things that never came into God’s mind. Now the Spirit expressly says that in latter times some will depart from the faith, giving heed to deceiving spirits and doctrines (ideas) of demons, 2 speaking lies in hypocrisy, having their own conscience seared with a hot iron, 3 forbidding to marry, (NKJV) This practice of living together has every appearance of immorality and it usually involves having sexual relations which is wrong. The Bible very clearly condemns premarital sex and all other forms of sexual immorality. As such, no excuse is good enough to make living together without marriage right. Several Scriptures reveal that some things that seem right to people are wrong, and some ways are wrong, they lead to destruction. There is a way that seems right to a man, but its end is the way of death. (Proverbs 14:12) This warning is repeated in Proverbs 16:25. The fact that an idea seems right does not make it right. Just because some people do it and it has become socially acceptable in certain quarters does not make it right. And people who say they are cohabiting because they don’t have a choice are not being honest. Cohabiting is simply what they have chosen to do because they want to be smart and have their way. Some people including Christians are beginning to change their beliefs and views to tolerate and accept this practice. What has not changed though is God’s

Let marriage be held in honour among all, and let the marriage bed be undefiled, for God will judge the sexually immoral and adulterous. (Hebrews 13:4) There are some professing Christians who have chosen to cohabit, following not the word of God but their own selfish desires, for Ephesians 5:3 admonishes, ‘But fornication and all uncleanness or covetousness, let it not even be named among you, as is fitting for saints;’ (NKJV) 1Thessalonians 4:3-5,78 also state, ‘For this is the will of God, your sanctification: that you abstain from sexual immorality; that each one of you know how to control his own body in holiness and honour, not in the passion of lust like the Gentiles who do not know God; … For God has not called us for impurity, but in holiness. 8 Therefore he who rejects this does not reject man, but God, who has also given us His Holy Spirit. Sometimes, these professing Christians claim that they are not sleeping together with their partners and nothing immoral is going on. Some may even say that they prayed before moving in together. That may be true but it still does not make living together right. The couple will be opening themselves up to the temptation of immorality which the Bible tells them to avoid. Besides, when a man and a woman are living together, they are believed to be sleeping together. The Bible warns Christians to flee from every appearance of evil. (1Thessalonians 5:22) Jesus must be honoured and glorified in our lives everyday. For these Christians who are cohabiting with people they are not married to, they are destroying their testimonies of being Christians and breaking God’s words. They are also giving a wrong message to people around them, becoming a stumbling block. The Bible talks about being a good example. Let no one despise your youth, but be an example to the believers in word, in conduct, in love, in spirit, in faith, in purity. continued on p(47)

Pastor Kumuyi Warns Members to Stay Away from Video CDs Released by ‘Prophetess’ Linda Ngaujah Story by Kazeem Ugbodaga Pastor William Kumuyi, General Superintendent of the Deeper Christian Life Ministry has disowned the controversial videos of a ‘prophetess’ and others who claimed to have died, gone to heaven and came back to narrate their extra-terrestrial experience. In the controversial videos being sold all over Nigeria, two women and a boy claimed they died, went to heaven and came back to narrate what they said God showed them. One of such CDs is that of a Sierra Leonean woman, simply called Sister Linda Ngaujah. Linda said she died and was shown happenings in heaven and hell and that many of the members of a large church on the LagosIbadan expressway are on their way to hell and that the founder of a leading church in Lagos should repent as he allegedly acquired his powers from the devil, saying that a Bishop of another large congregation and his members are not even recognised in heaven. She added that women who used rubber and wool to plait their hair will go to hell as it is a sin and that the only way for people to be prepared for heaven is to go back to the old Deeper Life Bible Church’s method of dressing. The video CDs released by Linda is causing serious

controversy in the church of God as some women in Deeper Life, who plait rubber hair have vowed never to do so again as they want to get to heaven. Some female worshippers have even shaved their hair in one Christian Assembly in Ikorodu, saying that they don’t want to have anything to do with attachment as they want to get to heaven. Another person who claimed to have gone to heaven said she saw the late wife of Kumuyi, Biodun, in heaven and narrated her encounter there. Other CDs were released by Margaret Amure from Church of God Mission, who also claimed to have gone to heaven and another 10-year old boy from Edo, named Samuel. Reacting to this development on Sunday during the church service, Pastor Kumuyi warned members of his church not to have anything to do with such CDs as these are the last days where many people would come up with different things to deceive the church of God. Kumuyi urged members of the church not to waste their money on such CDs, saying that the church should not rely on purported CDs of people who claimed to have gone to heaven to come back to produce CDs to sell to people narrating their encounter. He referred to Linda’s CD which said people need to dress like Deeper Life to get

to heaven, saying that “if you dress like Deeper Life without salvation and sanctification, will you get to heaven? These are the last days.” The man of God emphasized that dressing like Deeper Life would not take anybody to heaven but that righteousness and holiness of heart are the keys to getting to the kingdom of God and warned members to desist from watching such CDs. Kumuyi further said that one of the people who claimed to have gone to heaven said they saw Mummy Kumuyi in the kingdom of God, saying that he did not need such CD to know that his wife was in heaven and that the word of God has told us the criteria for getting to His kingdo. According to him, such people were merely deceiving the people, saying that when Apostle Paul was translated to heaven and came back, he did not produce CDs about what he saw in heaven and began to sell them. “When Jesus raised Lazarus from the dead, Lazarus did not go about telling people that this was what he saw in heaven. We should rest on the word of God to tell us what we need to know about heaven and how to get there. How do you know that they have actually gone to heaven? These are the last days. Don’t waste your money on buying these CDs,” he stated. Culled from PM.NEWS

CEASE-FIRE TABERNACLE Church

Tel: 905-799-2238 Res: 905-799-6488 Fax: 905-799-8949

E-mail: deleakeredolu@yahoo.com www.DEMinistries.com 2 Melanie Dr. (Steeles & Melanie), Brampton, ON

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Weekly Activities

Tuesday 6-7pm Bible Study 7-8pm Hour of Encounter Saturday 6-7:30 pm Workers Meeting Sunday 10:30-12:30am Worship Service 1st Friday of every month 10pm-1:00am Tarry Night

Pastor in Charge Deleola Akeredolu

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RELIGION - FICTION & NON FICTION Prophet T.B. Joshua: A Solution To People In Trouble

By: Steven Nash

by Alonge Michael He needs little or no introduction at all, the man behind the pulpit at the Synagogue of All Nation, the church that has the largest number of foreign nationals as ministers who have devoted their lives to the teachings of Christ through the amiable highly-spiritual leader. Without mincing word, prophe t Temitope Balogun Joshua is a man whose sense of giving is legendary, aside preaching of the gospel which is expected of every man of God, this endearing personality has dedicated his life to giving, according to him, “the act of giving is in loving, when you give, you have displayed the trait our Lord Jesus Christ displayed by feeding the multitude of people.” Talking about giving, T.B Joshua who has had top echelons of the world in his church as guests and members gives without expecting anything in return. In one of his books, Roadmap, the Synagogue Church through led by Prophet

T.B. Joshua is reaching out to a troubled world as he makes provisions for those people who are displaced, physically challenged, the widowhood or what have you. Hear his views on that, “as a Christian, your life is a solution to someone in trouble. You should build your Christian life round this principle, knowing that we serve God when we help our fellow brother. Our position in Christ Jesus is enhanced each time we help someone in trouble. This is what our Lord, Jesus meant when he said in Mathew 25:45 that ‘whatsoever you do (or fail to do) to the least of the brothers, that you do unto me’. In other words, Jesus was saying here, ‘I have a farm where I expect you to work for me or an office where I expect you to help me in checking files. My farm and office are your fellow brothers. Whatever help you render to the least of them; whatever problem you help someone else to solve, that, you render unto me.” Nigeriafilms.com

Here Is A Preview Of What You’ll Learn.... * Starting your best life. * You have the right to be happy. * 5 simple tips to a happier you. * How to find the gift in each day. * How to not give away your power. * How to know whom to ignore. * How to be a victor, not a victim. * Celebrating others successes. * Does God want you to be rich? * And much, much more!

By: Emeka O. Godwin His parishioners believe that he has a special power from God. When he lays his hands on them, they fall to the ground. But one man is suing Pastor Wallace for assault. He claims Pastor Wallace physically pushed him down while praying for him.

By: Venessa Miller Love was a four-letter word, and trust was an even worse five-letter word that Joy Marshall had no patience for. Young, beautiful and a successful attorney, Joy is any man’s dream, but since her life became a nightmare after her father divorced her mother, she wants nothing to…

By: Michelle Stimpson

By Adam Houge

Mark has been pastoring New Vision church for six years now, and all his hard work is about to pay off as the church approaches megachurch status. But while Mark has been busy building the church, his own household has been crumbling to pieces. After ignoring divine guidance, Mark finds himself caught up in the appearance of a scandal that threatens to tear the church apart. And his wife’s secrets …

In a Christian’s life there are many storms and trials. Our hearts break and God tenderly mends them again. He holds us in His love and comforts us with His peace. In this book you’ll discover why God let’s bad things happen. You’ll learn what His plan is and how He intends to use it for good. You’ll find His comfort and a place of peace again.

continued from p(46)

(1Timothy 4:12 NKJV) Anyone who has been cohabiting with the opposite sex needs to repent, turn to God, and change. He or she will need to move out from that place. Yes, I know that moving out may be difficult but it has to be done. If you ask God for help, He will make a way for you. He always makes a way of escape for those who come to Him. We do not have because we do not have. (James 4:2) God hates sin but loves the sinner. And for those who claim to know God, they must stop sinning and compro-

mising, and start doing things God’s way. For ‘What shall we say then? Shall we continue in sin that grace may abound? 2 Certainly not! How shall we who died to sin live any longer in it?’ (Romans 6:1,2) Do not think that you do not have a choice or a place to go. The moment you say ‘yes’ to God, you will realise that there is a place and a choice. So flee youthful passions and pursue righteousness, faith, love, and peace, along with those who call on the Lord from a pure heart. (2Timothy 2:22

HE WHO GIVES TO THE POOR WILL LACK NOTHING, BUT HE WHO CLOSES HIS EYES TO THEM RECEIVES MANY CURSES. Proverbs 28:27

By: Paulette Harper The Sanctuary is one of the fastest growing churches in San Francisco, California. Founded by Bishop Cedric and Lacey Jones, this growing ministry of 350 members seeks to embrace people of all backgrounds with the message of unconditional love and abundant grace - but how will this mission of love, hope, and grace be received when the message of unconditional love is put to the test?

continued from p(21) exercise, we become weak and vulnerable either in an oppressive manner or a submissive manner. Sometimes the only way we can understand that what we are doing is wrong is to taste our own medicine. In Qur’anic words, Allah places a seal on our hearts, the permanency of which is up to us — and Allah is Forgiving and Merciful. {And when those who believe in Our communications come to you, say: Peace be on you, your Lord has ordained

mercy on Himself, (so) that if anyone of you does evil in ignorance, then turns after that and acts aright, then He is Forgiving, Merciful.} (AlAn`am 6:54) When humanity fails us, it is a reminder of how weak humanity is and that it is Allah on whom we should rely, for He is unchanging. {He will put your deeds into a right state for you, and forgive you your faults; and whoever obeys Allah and His Apostle, he indeed achieves a mighty success.} (Al-Ahzab

33:71) There is no doubt that what you feel, you feel quite deeply. If you cannot find a suitable person with whom you can sit down and work through your feelings with, then turn to Allah in a state of du`aa’ (supplication), and tell him all that you feel. Sometimes unexpressed feelings can blow themselves out of proportion simply because we keep them to ourselves. Once we externalize these feelings, we can begin to see how it all started, how it af-

fected the current dimensions, and what to do about it. Also, try to spend less time with yourself. Even if you do not feel like talking to anyone, try to do something that is public. For example, instead of praying alone, go to pray in a mosque when you can. Try taking up a sport that can release some of the bodily tensions that you might be experiencing and which in turn could help you with your weight problem. Assuming that you live in

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the city, why not consider going to yoga classes at your local Indian cultural center, which has experienced teachers? This can greatly help you to learn how to be comfortable with yourself, to feel connected with yourself and, consequently, to feel more positive with your Creator and His creations. Let me say a word of warning though, yoga exercises indirectly affect all parts of your body, and during the slow release of tensions, some buried memories

might arise. This is good, but watch your reactions. Your reactions can either bury those feelings again or allow them to be released by facing them. Al-hamdu lillah, you did not even love the guy who showed you affection, because maybe next time you will be better placed to judge and act on what is right and what is wrong. May Allah guide you to the right path. Source:Onislam.net

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SPORTS

FIFA rules Cairo safe to host the World Cup playoff between Egypt and Ghana FIFA has ruled that Cairo is safe to host the World Cup playoff between Egypt and Ghana next month despite ongoing violence and amid Ghanaian fears for the safety of its travelling players and officials. FIFA informed Ghana in a letter that the November 19 game would go ahead at the military-owned 30 June Stadium, formerly the Air Defense Stadium, in the Egyptian capital, the Ghana Football Association said. Allowing the game to be held in Cairo, FIFA said in its letter that “the current situation in Egypt has turned back to normal,” according to the GFA’s statement. The GFA said FIFA also cleared Egyptian authorities to allow fans into the game at the 30,000-seat stadium for the first international match in Cairo since 2011, when former president Hosni Mubarak was

overthrown to begin two years of political upheaval and often deadly clashes on the streets of the city. The unrest shows no sign of abating. Ghana had urged FIFA to reconsider Cairo as a host city and asked for the second leg to be moved out of Egypt completely. Responding to Ghana’s protests, FIFA gave Egypt until this past Monday to provide additional guarantees that visiting players, officials and fans would be safe and a delegation from the world body also made an inspection visit, according to the GFA. Now, FIFA “has received security guarantees from the government of Egypt to protect the Black Stars during their visit,” the GFA said. Ghana is likely to win on aggregate and qualify for next year’s World Cup finals in Brazil at Egypt’s ex-

pense after its 6-1 victory in the first leg at home, raising fears of up to 30,000 disgruntled Egyptian fans reacting badly to their team’s elimination. Supporters already have expressed their anger at the embarrassing first-leg loss in Kumasi two weeks ago, leading to extra security at an airport when the Egyptian squad and their American coach Bob Bradley returned from Ghana. Egyptian football also is still reeling from the clashes at a club game in the Mediterranean city of Port Said in February 2012 when over 70 people were killed in a riot inside that stadium in the worst football-related violence anywhere in decades. Since then, soccer games in Egypt have generally been played without any fans. Source: ghananation.com

Joao Santos: Wife of kidnapped footballer finds husband’s severed head dumped on doorstep His horrified wife found the head - with the eyes and tongue had been cut out but the rest of his body is still missing The wife of a kidnapped footballer found her husband’s severed head dumped on her doorstep. The player’s eyes and tongue had been cut out and his head placed inside his own rucksack. Horrified police in Rio de Janeiro, Brazil, believe Joao Santos was targeted

by drugs gangs because his wife Geisa, 31, works at a police base. Joao, 35, who had played for several teams in the city as well as abroad, set up a health food shop after retiring from the game two years ago. Witnesses said they saw several men bundling him into his car after he closed on Monday. A relative said Geisa stayed up all night after her husband failed to arrive home.

He added: “She was getting ready to go to work at 5.30am when she heard a noise, opened the door and saw his rucksack. Inside was his head. From what I know, neither had any enemies.” Geisa is a social worker with military police battling violent gangs in Rio’s notorious slums. Police hunting for Joao’s body called it a “barbarous crime.” www.mirror.co.uk

Agents scramble for Iheanacho By:Sola Babarinsa

Various agents of European sides are currently scrambling to get hold of MVP of the U17 World Cup, Kelechi Iheanacho, whose father has valued him at a million Euros.   Iheanacho was the star of the 2013 World Cup in the UAE,

scoring six goals and creating several more goals as

Nigeria clinched a record fourth title in fine style. FC Porto reportedly made an offer of 250,000 Euros for the striker, which was dismissed by his father and manager.   A mad scramble for Iheanacho caused at least seven agents to meet at the team’s hotel in the UAE to finally agree that all continued on p(50)

Top Three Richest Nigerian Footballers The adventure of the likes of Stephen Keshi, Etim Esin, Daniel Amokachi, Austin Okocha, Nwankwo Kanu and Finidi George overseas changed their fortunes from ordinary amateur footballers struggling with daily existence to professional footballers worth millions of naira. Investments of those who play the round leather game already amounts to billions of naira. Here our list of the top three richest footballers in Nigeria. JOHN MIKEL OBI Sources say John Mikel

Obi, the Chelsea midfielder is the current highest earning Nigerian footballer. He joined Chelsea in 2006 from Norwegian club Fc Lyn Oslo on a US$25 million. He is currently on US$120,000,(N20m), per week excluding bonuses, and income from participating at the UEFA Champions League. The 25-year-old Jos born

player owns mansions in Jos, Lagos and London worth about N800m. He has shares in top companies, and he recently launched a record label, MATURED MONEY MIND (MMM). He drives a Mercedes G Wagon, Black Mercedes G 500, a Range Rover Sport and a N30Million Bentley Continental. He once said, its very difficult finding a wife. Why won’t it be with all that cash… OBAFEMI MARTINS He’s been everywhere. The on loan UD Levante of

Spain forward has played for top clubs like Inter-Milan of Italy, Newcastle united of England , Birmingham City of England, VfL Wolfsborg of Germany , Rubin Kazan of Russia and currently Seatle Sounders in the US. Obafemi Martins is the fifth highest paid player in US Major League Soccer for the 2013 season, according to a players’ union release. He is also the highest ever paid player for Seattle

Sounders with an annual basic salary of $1.6million. The 28-year-old striker owns 2 mansions at VGC Lagos worth N500 million, a massive home in Como, Italy valued at N800 Million, and top hotels in Italy. He splashed N400million on his charity foundation not too long ago. He drives a Lamboghini worth N50 m,Porsche Gemballa worth N20m, BMW X6 worth N18M and a Ferrarri sport car. YAKUBU AIYEGBENI Yak as he is popularly called is still widely regarded as the most successful Nigerian footballer to play in

England. His assets include a mansion on Manchester Road, London, a duplex in VGC, 2 massive buildings in Benin city and hotels in Auchi,Edo State. The former Boro man owns a petrol station in Benin City which is run by his brother Momo Aiyegbeni. In his garage back home in Nigeria are a fleet of cars including a Range Rover and a BMW.

Garba blasts Iran coach over age-cheating claim Golden Eaglets coach, Manu Garba has lashed out on Iranian coach, Ali Doustimehr for casting aspersions on the eligibility of his players.   After watching his team hammered 4-1 by the Eaglets in Tuesday’s Round of 16 clash at the Khalifa Bin Zayed Stadium in Al Ain, Coach Ali made a damning remark on Nigeria’s U17 team that they are over-age, a remark the Eaglets coach has not taken lightly. “All the players we have here passed the MRI test and we even conducted another round one month before we came here and we would probably take on the Iranian coach on this’’, Manu stated in replying the

VOLUME 8 • ISSUE 11 • NOVEMBER 2013

allegation levelled against his team.   While the Iranian coach is making his age-cheating claims, the current Golden Eaglets technical crew has been commended back home for doing a good job of selecting a true U17 team that has so far represented Nigeria so well at the ongoing Cadet Mundial.    Meanwhile, Garba has stated that he has no reason to change his tried and tested coaching style which has seen his team make it to the quarter finals of the ongoing FIFA U17 World Cup in the United Arab Emirates.  Manu who at the commencement of the cadet Mundial stated that his

football philosophy is fashioned around the playing style of passing teams like Barcelona added that the best form of defence is to attack in the flash interview immediately after the Iran match.  ‘’I always want my team to attack and I would always improvise because this is a team where anybody can score,’’ he stated.   The Eaglets gaffer said he rated the players eighty percent for being able to score four goals in a match ‘of this magnitude’ which is a knockout stage of a World Cup and even hopes they continue in that light till the end of the competition. Nigerian Tribune

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continued from p(11) or may accept monthly payments. If your income after expenses exceeds certain levels, you will be required to pay a portion of the excess to the trustee while you are in bankruptcy. Step 2: Trustee files paperwork After considering your options with the trustee, if you decide to pursue bankruptcy, the trustee will complete the necessary documents and file them with the federal government’s Office of the Superintendent of Bankruptcy (OSB). Your trustee will also notify your creditors that you are filing for bankruptcy, and their phone calls to you will stop. Once you have filed for bankruptcy, you are considered to be an “undischarged bankrupt” and you are officially “in bankruptcy.” All legal claims against you by your creditors will stop, and all calls and questions will be handled by your trustee. Step 3: Sale of your assets, if required After your trustee files your paperwork, the third step involves the trustee selling your assets, where your assets exceed those exempted by provincial and federal laws, and holding the proceeds in trust for distribution to your creditors. This includes all existing assets as well as those acquired prior to the discharge of your bankruptcy. Also, during the bankruptcy, you will also be required to make payments to your trustee for distribution to your creditors. The trustee determines how much you will be required to pay. This is calculated by taking into account your total income, income standards issued by the OSB, and your personal and family situation. Step 4: The trustee notifies your creditors of the bankruptcy Upon fiing for bankruptcy, the trustee will notify all of your creditors. Depending on the expected size of your estate and whether there are requests from creditors or the OSB, there may be a meeting of creditors. Step 5: Attend creditors’ meeting, if requested If you are required to attend a meeting with your creditors, this takes place approximately three weeks after filing for bankruptcy. This meeting will only be scheduled if more than 25% of your creditors request it. At this meeting, your creditors are informed of your financial situation. If this is the first time you have declared bankruptcy, the value of your assets is small, and your creditors are large companies such as credit card companies and banks, they will probably not require a meeting. The purpose of the meeting is: to allow creditors to obtain information about the bankruptcy; confirm the appointment of the trustee; appoint up to five inspectors to supervise the administration of your estate; and allow credi-

tors to give directions to the trustee. Step 6: Attend an examination by an OSB officer, if required The sixth step after filing for bankruptcy is a possible examination by a representative of the OSB. The purpose of the examination is to question you regarding the details of the bankruptcy and the disposition of your property. The OSB only requests such examinations in certain circumstances, where they are not satisfied with some of the information they have received. Step 7: Financial counselling seminars with trustee In most cases, a bankrupt will not have enough assets for a sale, and will not be required to attend a meeting with the creditors or undergo an examination by an OSB officer. Usually, once the bankruptcy paperwork is filed, the next step for the bankrupt is to attend two mandatory financial counselling sessions with the trustee. The first counselling session will generally take place within three weeks of filing for bankruptcy. You and your trustee or one of its staff will go over possible reasons for your financial difficulties, your financial management skills, and how you plan to budget in the future. Your second counselling session will generally take place about four months after the date you filed for bankruptcy. During the second session, you and the trustee will again discuss financial planning strategies and effective budgeting. Step 8: Your trustee prepares a report to the OSB, if required In certain circumstances, the trustee prepares a report regarding your application for discharge and submits it to the OSB. Although this report is not usually required, it can be helpful to the bankrupt if, for example, you were convicted of an offence under the Bankruptcy and Insolvency Act, or your conduct before or after bankruptcy might influence the court to refuse your discharge. It gives the trustee an opportunity to further describe your financial situation and analyze the various details of your bankruptcy, including the reasons for filing, and can give further details about your conduct. Step 9: Discharge hearing, if required If it is not your first time filing for bankruptcy, or if one of your creditors objects, it may be more difficult to have your debts discharged. For those who do not qualify for an automatic discharge, the trustee will make an application for discharge to the court. At the hearing, the trustee will present evidence to support your application. If the trustee had previously submitted a report to the OSB, the judge will review it. The court can make one of the following four orders: Absolute Discharge. This

means that your debts are cleared as of the date your bankruptcy was filed, and no further action is required on your part. Conditional Discharge. This requires you to fulfill certain conditions before your absolute discharge will be granted. Usually, it means that you will have to make certain payments. Suspended Discharge. This is an absolute discharge that does not take effect until a future date. Discharge Refused. Step 10: Final Discharge The final discharge is the last step in a bankruptcy procedure. In most cases, first-time bankrupts will be automatically discharged nine months after filing for bankruptcy, if the following conditions are met: your discharge is not opposed by the OSB, the trustee or a creditor you have not refused or neglected to receive counselling, and you are not required to pay a portion of your surplus income into the bankruptcy estate as per the standard established by the OSB. If you are required to make payments from your surplus income, you will be eligible for an automatic discharge after contributing part of the surplus to your estate for 21 months. Second-time bankrupts also may qualify for an automatic discharge within 24 to 36 months, depending on whether they have excess income and made a minimum payment of $100 per month. If you are granted an automatic discharge, there is no court hearing and the trustee sends you a copy of the discharge. Being discharged means that you are out of bankruptcy and your debts are officially cleared. However, there are certain types of debts that are excluded from discharge. These include: spousal and child support payments; a fine or penalty imposed by the court; debt arising from fraud; and, student loans, unless you ceased attending school for at least 7 years after the date of discharge. However, if you acted in good faith, upon application to the court, you may be released from the student loan earlier, based on financial hardship. Being discharged from bankruptcy generally marks the end of your bankruptcy procedure. However, your bankruptcy stays on your credit record for six or seven years from the date of your discharge (depending on the credit reporting agency’s policy). This will affect your ability to get loans and other kinds of credit in the future. Effects of personal bankruptcy Filing for personal bankruptcy results in a number of significant consequences. In particular, you may have to give up some of your personal belongings, you will have to fulfil a number of obligations to your trustee in bankruptcy, you will remain responsible for certain debts

that are not cleared by bankruptcy, and your credit rating will be damaged.  Will I lose everything if I file for bankruptcy? Although some of your personal assets and belongings could be sold by your trustee to partially satisfy your debts, usually personal items and household goods are not affected. You are allowed to keep limited amounts of: personal items and clothing (up to $5,650) household furniture, food, fuel and equipment in your permanent home (up to $11,300) motor vehicle (up to $5,650) tools necessary to your work (up to $11,300) certain farm property (up to $28,300) most pension plans, life insurance policies, and certain RRSPs Also, things owned entirely by your spouse are exempt. However, If you and your spouse own things jointly, you may have to sell the portion that you own. It is a good idea to discuss these issues with your trustee before you file for bankruptcy. Duties of bankrupt under the Bankruptcy and Insolvency Act The second important consequence of bankruptcy is that you will have to fulfil certain duties set out in the Bankruptcy and Insolvency Act. To begin, when you meet with a trustee in bankruptcy, you must provide a complete list of all of your assets and debts. You must also give the trustee all of your credit cards, and advise the trustee of property that you have sold or given away in the last five years, and whether you have paid relatives or non-arm’s length persons within the last year. If you have done any non-arm’s length transferring of assets or payments, it may be a good idea to see a bankruptcy lawyer before going to see a trustee. Once you have filed for bankruptcy, you also have a duty to keep the trustee informed of any changes in your financial or personal situation, such as becoming employed or changing your address. You are required to attend a meeting with your creditors if one is held, attend two counselling sessions with your trustee, and to assist the trustee in handling your estate. You may also have to pay a portion of your regular income to the trustee to pay your creditors. Once you are discharged, which occurs about nine months after filing, these obligations end. Will bankruptcy remove all debts? A third consequence of declaring bankruptcy is that it will eliminate most, but not all, of your debts. The following five debts are not cleared by bankruptcy: First, secured debts are not significantly affected by bankruptcy. A secured debt is one where the creditor secured one or more of your assets as collateral as a requirement of the loan made to you. For

VOLUME 8 • ISSUE 11 • NOVEMBER 2013

example, you may promise to give a creditor, such as a bank, your car or your home if you do not repay a loan. A secured creditor may seize these assets, but, once they are sold, any outstanding balance will be discharged. The second type of debt that will not be eliminated by bankruptcy is child and spousal support payments. Third, court fines and penalties are not cleared by bankruptcy. Fourth, any debts that you obtained by committing a fraud or by causing bodily harm to another, are not cleared by bankruptcy. And finally, student loans are not cleared by bankruptcy unless you ceased being a student at least seven years before the date that you filed for bankruptcy. If you have surplus income as determined by government guidelines, you may also be required to pay some amount to your trustee at the time you are discharged or for a period after your discharge. What will happen to my credit rating? The fourth consequence of bankruptcy is its effect on your credit rating. Your credit rating is a record of your credit history maintained by credit bureaus such as Equifax and TransUnion Canada. These credit bureaus track how you handle credit generally and whether you make regular payments on time. Based on this on-going information, you are given a credit rating, ranging on a scale from R1, which is the best rating, to R9, which is the poorest rating before being bankrupt. Your credit rating tells banks and other lenders how good you are at handling credit, and is usually checked by lenders before they decide whether to give you a credit card or a loan. Bankruptcy gives you the lowest possible credit rating, and the fact that you went bankrupt stays on your credit record for 6 or 7 years (depending on the policy of the credit reporting agency) after you are discharged from bankruptcy. As a result, lenders may be reluctant to give you loans or credit cards for quite some time. Once you have been discharged from bankruptcy, make sure you send a copy of your discharge order to the credit bureaus so that your credit record can be updated. As time goes by, you can gradually work toward rebuilding a good credit rating. It may be difficult to get credit for a while, and it will generally depend on whether you have a steady income and how well you are able to convince lenders that you have become more financially responsible. Filing for bankruptcy can be a detailed and complicated process. For further assistance, or to file for bankruptcy, it is advisable to speak with a lawyer or a trustee in bankruptcy. Alternatives to personal bankruptcy Although personal bankruptcy allows you to make a fresh start free of most of your debts, if you

have a steady income and a satisfactory credit rating, you may want to consider these options with less serious consequences.  Loan consolidation with bank First, you may be able to combine all of your debts into one consolidated loan with either your bank or another financial institution. A consolidation loan is always a good idea because your interest rate will be lower than the interest rate on your credit cards, and you will only have to make one payment on your loan each month instead of many different payments to each of your credit cards.   Informal arrangement with creditors Second, you could try to make an informal arrangement with your creditors to pay a lesser amount or make your payments over a longer period. Often this is done with the help of credit counselling agencies. You may want to discover how your credit rating will be affected before agreeing to such arrangements. Sometimes creditors agree to reduce your debt or extend the repayment term, but still report you to the credit bureau.   Consumer proposal A third option is a consumer proposal under the Bankruptcy and Insolvency Act, available to individuals whose total debts do not exceed $250,000, not including debts secured by their principal residence. This is a legal process that allows you to make an offer to your creditors to change your payment schedule, or compromise your debts. For example, you may offer to pay less each month over a longer period. Or, you may offer to pay only a percentage of what you really owe. Your proposal must offer creditors at least what they would get if you filed for bankruptcy, and your plan must not extend beyond a five year period. If your creditors accept your proposal, you will be able to manage your financial situation without filing for bankruptcy.   How to make a consumer proposal To make a consumer proposal, you must find and meet with a licensed trustee in bankruptcy. They will help you prepare your proposal, and they will present your proposal to your creditors. You are also required by law to have two financial counselling sessions with the trustee to discuss financial management and budgeting. There are no “up front” or “hidden” fees in a consumer proposal. Your trustee receives a fee of approximately 20% of the money that is paid to the creditors, but that fee comes out of your monthly payment to the creditor, so it’s the creditors that are paying for the cost of the consumer proposal. Once you have filed your proposal, any legal action against you by your creditors is stopped. If your creditors accept your proposal, you make monthly payments to the trustee, rather than continued on p(50)

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continued from p(48) of them will get a percentage of the player’s transfer fee as they all have authentic mandates given to them by his handlers. “Kelechi father has said his boy will go for nothing less than a million Euros and to add to all these, at least seven agents have mandates for the boy,” said a source who asked not to be named. “Such was the chaos that these agents had to come together in Dubai and agreed

continued from p(49) that whoever gets to finally sell the boy, all the other agents will also be entitled to a percentage of this sale.” The player himself said he is unaware of the offers that have poured in for him since his heroics in the UAE. “I am not aware of offers coming my way yet but my aim is to go and further my career in Europe,” he said. “I am very grateful to God for giving me

the opportunity to showcase my skills on an international stage. Words are not enough to express my joy.” He further said his dream club is FC Barcelona. “I cannot pick a club or country now but my preferred club is Barcelona but I know that I cannot play for them now at this age but someday I may get that opportunity.”

for the elevators but as the elevators arrived, they were fully packed. Some people were taking the staircase. Where was Antonio? Misan wondered. After waiting for twenty minutes, she and Ruth decided to take the rugged staircase, pulling their luggage behind them. On the last floor, they joined the queue of tourists to check out. As she stood in line, she glanced round but the one man she wanted to see was not in sight. Outside the port, Ruth took a cab to her uncle’s house in Miami while Misan boarded a bus that had ‘Airport Shuttle’ written on its side to the airport from where she boarded a plane to Houston. Her mother’s sister was at the airport to receive her. On Saturday, Misan was on a plane again, on her way back to Nigeria. She would get to Lagos at about 10AM the following day. She couldn’t wait to get back home and tell her sister about Antonio. She had so much time to think on the eight hour flight to Madrid where she would have a stopover. She watched the movie that was being shown for a while and

then tuned off, closing her eyes. Why was she having problems in the area of relationship? After she had Weyin and began to attend church regularly, things hadn’t improved much for her. She had expected that being a Christian would make things easy and she would get a man to marry immediately but it hadn’t turned out that way. Instead, she had realized that she had to keep trusting God for each day. She was glad she was now a Christian but could she be under a curse or a spiritual attack? She thought about it. She was doing well before, when she was much younger. Even though she wasn’t too happy following her parents’ separation … “Pasta or chicken?” Misan opened her eyes and saw the flight attendant looking down at her. “What did you say?” “Pasta or chicken?” The blonde slim woman repeated. Misan sighed deeply. What is pasta? I’d better ask for chicken and if I don’t like the food, I can eat the chicken. She was glad for her choice when she opened it. She shook her head and

wondered. When it came to such things, she knew how to choose right, how come she didn’t know about men? She asked herself as she was eating the rice and chicken with vegetables. She felt stressed up. God help me, she prayed. About two hours after, she fell into an exhaustive sleep. The plane landed in Madrid and taxied to a gate. As Misan got down with the other travelers, she realized she had thought of Antonio through the entire flight except when she fell asleep. As she waited for her next flight to Nigeria which was in four hours, she walked round the airport. This was Antonio’s birth place. This was where he grew up. Where’s he now? Has he got back home? Is he okay? Should she have told him about Weyin? Misan asked herself for the umpteenth time.

continued from p(11) •Referrals from friends and relatives who are able to speak to the quality of the service of the representative; •The staffing level within the office of the representative should be considered. Multiple staff members will ensure that there are secondary professionals to address your issues should your primary representative be unavailable; •Knowledge of the process and the law by the representative should be considered too. You will generally have an idea after a few minutes of discussion with your representative; •Confirm that your representative is legally allowed to represent you before the Federal Court of Canada and if not, what process has the representative put in place to ensure

that you get such representation should the need arise; and, •Although there are fresh graduates that are also knowledgeable, you may nonetheless decide to consider the years of experience of the representative. If you desire to use the services of a representative, please note that you must complete the necessary forms authorizing representation by the lawyer, paralegal or Immigration Consultant. The completed authorization forms must be submitted with your application. With that being addressed, the responsibility falls squarely on you to do your research and due diligence to ensure that you’re choosing the right representative for you. The Canadian immigration process is becoming in-

creasingly complex, therefore, you will find it advantageous to be guided by an individual or firm that is extensively familiar with the intricacies of Canadian immigration law. The above is not intended as legal advice. Readers are cautioned to seek for legal advice before making any decisions on the contents of this newspaper as a whole and this article in particular. Johnson Babalola (johnson@jblaw.ca) is a Toronto, Canada based immigration and business lawyer. He is with the Law Society of Upper Canada. Tracy Ayodele (tracy@jblaw.ca) is a Student-at-Law at the law office of Johnson Babalola. They can be reached at info@jblaw.ca. Internet: www.jblaw.ca *Tel: 416603-9191 x 223 *Fax: 416603-9190

Telegraphing.com

continued from p(14)

To be continued. This story is from the novel, This Time Around To order this book and others by the same author, Taiwo Iredele Odubiyi Call: 1-410-5196888 1-410-8187482 Website: www.pastortaiwoodubiyi.org.uk

making payments to each creditor yourself. If your proposal is not accepted, you are not automatically forced into bankruptcy. However, your creditors can continue or begin legal action against you. The failure to attempt a proposal instead of choosing bankruptcy, can be held against you when you apply to be discharged from bankruptcy. Division I Proposal Another alternative to bankruptcy is called a Division I proposal, available to both individuals or businesses. It is similar to a consumer proposal but is available to individuals with debts greater than $250,000 (excluding the mortgage on their main residence). This process is carried out through your trustee who will put together an offer to pay creditors a percentage of what is owed to them

over a specific period of time, extend the time the debtor has to pay off the debt or a combination of both. For the proposal to be accepted at least 50% of the creditors (representing 66% of the debts) must approve it. Once approved, payments are made through the trustee, and the trustee uses that money to pay each of the creditors, and also takes their fee. The advantages of a Division I proposal to the debtor, include: you retain all of your assets; actions against you by unsecured creditors, such as wage garnishments, will be stopped; it allows you to solve your financial problems without having to declare bankruptcy; unsecured debts are paid off at a portion of the original amounts; and often, tax debts can also

be paid off at a portion of the original amount. Credit counselling A fourth option is credit counselling. There are a number of credit counselling services in Ontario who will help you consolidate your loans. Before enrolling with a credit counselling service, make sure you ask about their services and fees. Often credit counselling services are useful in helping you to decide whether bankruptcy is the right option for you. There are many options to consider when you are in a situation of financial difficulty. For more information about business bankruptcy, visit the Office of the Superintendent of Bankruptcy Canada at www.ic.gc.ca, or consult with a trustee in bankruptcy, a lawyer, or an accountant. Source: www.legalline.ca

continued from p(12) Fifty residents; one bathroom....

has its fair share of billionaires and multi-millionaires, but an estimated 70 percent of the population are slum dwellers. The UN predicts that the city’s population would hit 23.2 million in 2015; which means that an estimated 1,200 new people enter Lagos every day to stay. This huge population has continued to strain the already inadequate housing available in the city, resulting in more cramped space and unhealthy living conditions for most inhabitants. In October, an outbreak of cholera in areas of the state such as Apapa, Ajegunle, Oshodi, Surulere and Lagos Island claimed

a three lives; with several others hospitalised for long periods. According to the state’s Commissioner for Health, Jide Idris, the cause was contaminated food and well water, among other unhygienic habits. Most of the residents of such ‘public yards’, who live in such appalling conditions, say their problem is the high rents that living in flats attract, and seem powerless to change their status. A state law that criminalises the collections of advance rent is sneered at by most landlords. In some cases, landlords demand as much as three years advance rent from

new tenants. Prospective tenants are powerless as state authorities struggle to enforce this law. In cases where landlords agree to accept one year rent, they routinely inflate the prices by as much as 50 per cent. Mr Ekwebelum finally got his turn at using the bathroom and as he dressed up for his first day at work, he couldn’t help wondering if he emerged from the bathroom cleaner or dirtier. He is determined, however, to work hard and “rent my own room as soon as possible, hopefully with a cleaner bathroom”. Public yard in tenement accommodations.

WARN THEM NOT TO TAKE YOUR PHOTO) So this woman photographer (God will judge her appropriately), with many photos of me in her hand, came right to the High Table before the program was over, to whisper that each tiny ugly photo was 200 naira. I felt sweaty all of a sudden because my wallet was far away where I had parked my car. Not that there was money in it. I would have to go to an ATM to be able to pay her. Now, the other people on the high table were looking at me. No, God will judge that woman! This is one of the few moments when I have been thankful for being a lawyer, trained to squeeze water out of

a stone. I told her with a stern face: ‘I do not take photos. I do not like photos. I did not ask for my photo to be taken...’ I might have gone on and on and accused her of blackmail, of being an agent of my enemies and village people, but the woman by my side said, don’t worry ill just pay for all the photos. I initially protested, careful though not to protest too hard, lest I would have to make the uncomfortable trip to the ATM. My prayer for you is that you are blessed with better high tables and more juice loving people on the high table. And that God shows you those plotting your downfall before they see you.

continued from p(12) speech. That was the best part. It emboldened me to at least open the bottle of water in front of me. I deserved it. All that speaking! Then during question and answer time, this guy, who eventually came up to me to inform me of his just having returned to Nigeria six weeks ago from Harvard, stood up to give a little speech of his own. He reeled out all the big social science terms and theories and although he claimed to be disagreeing with me, ended up summarizing my speech. All I could say (in my mind of course) was ‘God is watching you!’ LESSON 6: ALWAYS CARRY MONEY FOR PHOTOGRAPHS (OR

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