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Saturday, 13 July 2019

Textile industries have potential to create 2m jobs – Emefiele

 CBN Governor, Godwin Emefiele

The Governor of the Central Bank of Nigeria (CBN), Mr Godwin Emefiele, says the Nigerian Cotton, Textile and Garment (CTG) sector holds huge potentials to create more than two million jobs and reduce 4.0 billion dollars import bill incurred annually on textile.
Emefiele said this at the meeting with the Service Chiefs and stakeholders from CTG industries on the present administration’s drive to revive the sector, in Abuja on Thursday.
He explained that the sector also had the capacity to transform Nigeria’s rural economy and revive the textile and garment industries by improving internal revenue across three tiers of government.
He said by achieving that, it would safeguard and earn foreign exchange and ultimately accelerate industrial development by making Nigeria a global player in the textile and apparel sectors.
“This event, therefore, symbolises our commitment to attain self-sufficiency in cotton production, to serve the Textile and Garment segments of the value chain with quality input,  as we target zero importation by the year 2020.
“I am pleased to inform you that I have been holding meetings with the Cotton, Textile and Garment (CTG) sector stakeholders toward reviving Nigeria’s textile sector.
“We analysed the huge potentials that exist in the sector, identified the challenges militating against the sector’s contribution to Nigeria’s growth and development and presented quick wins for reviving the sector.
“The CTG sector is however faced with some systemic challenges which has hampered and diminished its role as the leading employer of labour, thereby preventing its contribution to Nigeria’s GDP.
“In the 1970’s and early 1980’s, Nigeria was home to Africa’s largest textile industry, with over 180 textile mills in operation, which employed close to over 450,000 people and contributing over 25 per cent of the workforce in the manufacturing sector.
“Today, most of the factories have all stopped operations, as only 25 textile factories are operating today at below 20 per cent of their production capacities, and the workforce in Nigeria’s textile industry stands at less than 20,000 people,” he said.
The Central Bank Governor disclosed that their interaction with stakeholders revealed that MDAs had not made any significant order for uniforms or clothing materials from Nigerian textile manufacturers and garment companies.
He added that governments’ efforts at resuscitating the textile industry would not be actualised if they were not supported through local patronage among other incentives.
“As a first step, we flagged-off the 2019 Wet Season Cotton Input Distribution to 150,000 farmers in Katsina, Katsina State on May 6th, 2019 under the Anchor Borrowers’ Programme.
“These are cultivating over 180,000 hectares of cotton that will feed our ginneries and be used in the production of high quality textile for use by the armed forces and other uniformed service organisations.
“Production is also ongoing across 23 states of Nigeria with more to come onboard in the next planting season. We have also put in place necessary mechanisms to ensure use of high yielding varieties that will produce top quality fabrics and those that can compete in the international market” he added.
He said the bank observed that the local textile factories were carrying huge quantities of unsold stock while garment factories were idle due to lack of local patronage.
Emefiele expressed optimism that with the support and cooperation of the uniform organisations, this trend could be reversed. (NAN)

41.5m MSMEs registered in 2017 – NBS

 Pic 1: L-R, Lady Azuka Azinge, Acting Registrar-General, CAC, Statistician-General, NBS, Dr Yemi Kale, D-G SMEDAN, Dr Umaru-Dikko Radda and Board Member of SMEDAN, Mr Orimadegun Agboade at the Public Presentation of 2017 NBS-SMEDAN  and National Survey of Micro, Small and Medium Enterprise (MSMEs), held in Lagos on Thursday.
The Statistician-General of the Federation, National Bureau of Statistics (NBS),  Dr Yemi Kale said that 41.5 million Micro, Small and Medium Enterprises (MSMEs) were registered in 2017.
Kale made this known during the Public Presentation of the 2017 NBS-SMEDAN Small and Medium Enterprises Development Agency of Nigeria (SMEDAN) and National Survey of Micro, Small and Medium Enterprise (MSMEs),  held in Lagos on Thursday.
He said that Lagos State had the highest number of enterprises across all classes,
while Kastina had 36.4 per cent, Rivers 21.7 per cent and Kaduna 18.1 per cent.
“The five major sector of the economy were wholesale/Retail trade representing 42.3 per cent,  Agriculture  20.9 per cent, other services 13.1 per cent, Manufacturing 9.0 per cent,  and Accommodation and  Food Services 5.7 per cent, together these account for about 91.0 per cent of all MSMEs.
“A total of 86.8 males were dominant in agriculture, while 86.8 female dominance was instead observed in accommodation and food services, 68.7 per cent recorded in manufacturing, 64.5 per cent on wholesale/retail trade.
“With regards to ownership status, Sole Partnership predominated at 97.1 per cent followed by partnerships of 2.2 per cent.”
He explained that MSMEs played significant roles as engine of socio-economic
transformation, including industrialisation of many economies globally.
Kale said that MSMEs presented a vital platform for boosting technical, technological and entrepreneurial capacities among critical segments of the populace.
He further said that MSMEs also offered opportunities to drive jobs and wealth creation as well as income re-distribution within the society.
He said that in Nigeria, MSMEs had performed below expectations due to a combination of problems which includes off-mentioned infrastructure deficit and frequent public policy changes and somersaults.
Kale said that there had been serious efforts by both the Federal and  State Governments to develop the MSMEs sub-sector.
He said that the efforts included  the adoption of the erstwhile National Economic Empowerment and Development Strategy (NEEDS) of a private sector-led economic development approach with MSMEs development as a central strategy in 2003.
In his keynote  addres, the Permanent Secretary, Federal Ministry of Industry  Trade and Investment, Mr Edet Akpan said “it became public knowledge that
the total number of Micro, Small and Medium Enterprises in the country was
about 18 million. These also employed a total of 32 million persons as at December 2010.”
“On the heels of the national economy re-basing, the number of enterprise
surged at the next edition of the Survey in 2013,  with more than 37
million, with complementary employment contribution of 59
million persons.
“Such indices as the contribution of Micro, Small and
Medium Enterprises to GDP exports as well as their distribution across major
economic sectors and sub-national units also emerged, not forgetting
identification of challenges faced by the sub-sector.
“The 3rd edition of the Survey presented today, provides an update on
important indices on the sub-sector. Two chapters have been devoted to
data analyses to optimise the information available and to make it easier to
the reading public to obtain copies.
“You may recall that this was part of the
highlights of the National Survey of MSMEs Report presented by the
Statistician-General, National Bureau of Statistics,” Akpan said.
 In his welcome address,  Director-General Small and Medium Enterprises Development  Agency of Nigeria (SMEDAN), Dr Umaru-Dikko Radda,  said since 2010 when the National Serve of MSMEs was first published which had become  an invaluable compedium on the state of the MSMEs sub-sector in Nigeria.
Radda said that the strategic partnership between SMEDAN and NBS was an example of the synergies that he had always advocated since he assumed office as director-general of SMEDAN.
“Setting  up of SMEDAN in 2003, was Government’s major response to tacking the problem of MSMEs sub-sector of the Nigerian economy,  SMEDAN assumed the twin role of coordination and facilitation as the apex agency for MSMEs development among others.

Police debunk rumour of bomb explosion in Enugu State

 The Police Command in Enugu State, on Saturday, debunked a social media rumour of a bomb explosion in the state.
The Command’s Public Relations Officer, SP Ebere Amaraizu, said this in a statement made available to the News Agency of Nigeria (NAN) in Enugu.
Amaraizu said that the video in circulation in some sections of the social media had been confirmed to be “false’’ and “an attempt to instill fear in the minds of the public’’.
“The attention of the Command has been drawn to the misleading and false video in circulation in some sections of the social media on an alleged bomb blast at Otigba Junction within Enugu metropolis.
“The Command, hereby, wish to inform members of the public particularly those who may have been misinformed with such that there is no bomb incident and explosion in entire Enugu State.
“Hence, members of the public are advised to ignore the misleading information and go about their normal lawful businesses.
“This false information is an attempt by mischief makers to cause panic and fear in the minds of law abiding members of the public,’’ he said.
Amaraizu noted that “the Command is committed to ensure the safety and lives and property of the residents of the state at every minute’’. (NAN)


Friday, 5 July 2019

Africa Cup of Nations 2019: Why do African teams continue to threaten strike action?

Uganda are the latest team at the Africa Cup of Nations to get embroiled in a dispute over payments.

The Cranes are through to the second round after finishing second in a group containing hosts Egypt and DR Congo. But their players boycotted training on Tuesday.
The country’s FA, Fufa, has said the players are trying to “renegotiate” their remuneration.
It is the fourth pay dispute to hit the tournament so far.

Nigeria had similarly refused to train after not receiving a $10,000 (£7,940) match bonus that had been promised.
Meanwhile Cameroon arrived in Egypt late after an unresolved row over bonuses. The players had refused to get on the plane - the same tactic they employed at the 2014 World Cup.
And there were concerns that the opening game would not even happen after suggestions came from the Zimbabwe camp that the players had threatened to boycott the match against the hosts Egypt.
Ultimately that game did go ahead.

In a word - leverage.

The way that payments work in tournaments is that the further a team goes, the greater the amount of money they receive. Thus, success in major championships have the potential to bring revenue to a country’s football federation.
In theory some of that money should end up with the players as bonus payments - they should also receive some money for qualifying.
For players based in major European leagues, those tournament payments are not necessarily a huge amount in comparison to their club wages.

 All of England’s players, for example, donated their bonuses for their surprise run to the semi-finals of the 2018 World Cup to charity.
But for players based in African leagues, those payments constitute a great deal of money.
Indeed, last season in Cameroon, not only bonuses but basic wages from the clubs were not being paid, forcing players across the country’s top divisions to stage a series of strikes.
Eventually, former Indomitable Lions captain Geremi Njitap filed a complaint direct to Fifa, which resolved the matter.
But the episode highlighted the important role that international appearance bonuses have for some players.

 Sometimes, however, these payments do not appear after the tournaments. Some football associations have little accountability; others are opaquely managed - and even end up being suspended by Fifa.
Over time, players have grown deeply distrustful of the very football federations they are picked to represent.
So, aware that after a tournament their ability to exercise pressure individually on their FA is greatly diminished, they strike before the competition begins.
By threatening not to play, players create a double bind for their countries. Not only would it be damaging for their image, it also would dramatically reduce any money that the FA would be looking to get themselves.

The tactic has proved effective over the years - having been employed by at least one African team at every World Cup since 1990.
What’s more, star names in teams over the years, such as George Weah and Didier Drogba, have been much higher-profile than their country’s FAs - and have not been afraid to use their presence to support their less well-known (and well-off) team-mates.
Indeed at some tournaments, a country’s president has had to personally intervene in order to get things going again.
Famously, in Brazil in 2014, $100,000 payments for Ghana were flown in, in cash in briefcases, and unloaded at the airport in Rio - where the Brazilian authorities took a 17% cut, before the money was sent out across the city to the players.
Nothing like that has happened in Egypt - but nevertheless, the disputes don’t seem to be going away any time soon.


21m to benefit from Dangote Cement’s promo

Dangote Cement Plc has flagged off the Dangote Bag of Goodies Consumer Promo; to reward 21 million people across Nigeria.
Group Head, Corporate Communications, Dangote Industry,  Anthony Chiejina, made this known during the promo launch in Lagos, yesterday.
He said: “21 million people will be winners in this promo that is the first of its kind in the country.
“It is a big one, and it is like pulling out a quarter of Nigerians out of poverty.”
Chiejina further said the promo was unique as it has the interest of consumers at heart and a sign of appreciation for their patronage so far.
“We recognise our consumers as the backbone of our business and using this promo as a means of supporting and giving back to them,” he said.
Also, Group Managing Director, Dangote Cement, Joseph Makoju, said the promo was to reward valued customers for their unflinching support, which made the company the first choice in building construction.
Makoju said the company developed top quality brands to offer customers’ satisfaction and durability in their building projects.
According to him, the promo is open to all consumers of its Dangote Cement BlocMaster, Dangote 3x Cement and Dangote Super Falcon Cement brands.
Also, the company’s Director of Marketing, Mrs. Funmi Sanni, said the promo was to reward consumers with life changing prizes in tandem with its core values.
“To grow our business, we need to constantly create values in terms of quality, competitive pricing and deposit in customer’s emotional bank account to become their preferred brand at the point of their purchase. As a business, we recognise the importance of every member of our value chain-distributors, wholesalers and retailers, as such, we have invested in growing their businesses,” Sanni said.
She said the consumers promo is another huge investment to help its distributors improve their sales, adding that 70.5 million bags of cement would have scratch cards for various gift items.
According to her, the promo, which will run from July 1 to September 30, will have gifts such as Saloon car, motorcycles, tricycles, televisions, fridge, airtime and cash prizes.
She disclosed that the gifts would be redeemable at all Dangote depots, regional offices and selected customers’ outlets nationwide.
Also, Deputy Director, National Lottery Regulatory Commission, Lagos Zonal office, Mrs. Nkiru Onuzulu, said the commission would monitor every process of the promo.
Onuzulu said that this was to ensure that it was free and fair and for customers to get their promised gifts from the company.

Monday, 24 June 2019

The Elephant Rope (Belief)---Motivational Story

The Elephant Rope (Inspirational Short Stories)
A gentleman was walking through an elephant camp, and he spotted that the elephants weren’t being kept in cages or held by the use of chains.
All that was holding them back from escaping the camp, was a small piece of rope tied to one of their legs.
As the man gazed upon the elephants, he was completely confused as to why the elephants didn’t just use their strength to break the rope and escape the camp. They could easily have done so, but instead, they didn’t try to at all.
Curious and wanting to know the answer, he asked a trainer nearby why the elephants were just standing there and never tried to escape.
The trainer replied;

“when they are very young and much smaller we use the same size rope to tie them and, at that age, it’s enough to hold them. As they grow up, they are conditioned to believe they cannot break away. They believe the rope can still hold them, so they never try to break free.”

The only reason that the elephants weren’t breaking free and escaping from the camp was that over time they adopted the belief that it just wasn’t possible.

Moral of the story:

No matter how much the world tries to hold you back, always continue with the belief that what you want to achieve is possible. Believing you can become successful is the most important step in actually achieving it.



Emefiele unveils 5 years plan for CBN

CBN retains lending rate at 14%
Godwin, Emefiele, CBN Governor
The Central Bank of Nigeria (CBN) Governor, Mr Godwin Emefiele, says he will bring inflation to single digit within the next five years.
Emefiele made the promise in Abuja on Monday during a press briefing on his policy road map in his second term.
The News Agency of Nigeria (NAN) reports that the inflation rate dropped to 11.4 per cent as at May.
He said that CBN, under his leadership, would ensure that monetary policy measures would be geared towards containing inflationary pressures.
Emefiele said that he would also support improved productivity in the agricultural and manufacturing sectors.
He stressed that he would strive to continue to sustain a positive interest rate regime to the delight of the bank’s important stakeholders.
According to Emefiele, the decisions of the Monetary Policy Committee on inflation and interest rates will depend on data on key economic variables.
“We will work with other stakeholders and we shall bring down the cost of food items which has considerable weight in the Consumer Price Index basket.
“Our ultimate objective is to anchor the public’s inflation expectation at single digits in the medium to long-term.
“We believe that a low and stable inflationary environment is essential to the growth of our economy because it will help support long-term planning by individuals and businesses.
“Such will also help to lower interest rates charged by banks to businesses thereby facilitating improved access to credit and corresponding growth in output and employment,” he said.
Emefiele said that macro-economic stability was key to supporting improved Growth Domestic Product (GDP) growth and greater private sector investment.
“The bank will leverage monetary policy tools in supporting a low inflation environment, while seeking to maintain stability of the exchange rate,’’ he said. (NAN)

Trade: U.S. blacklists more Chinese companies

U.S.blacklists more Chinese companies
The U.S. Commerce Department barred five additional Chinese entities from buying American-made products, in a move that risks inflaming tensions ahead of President Donald Trump’s planned meeting with Chinese leader Xi Jinping to restart trade talks.
The move follows the similar blacklisting of Chinese telecommunications giant Huawei Technologies Co. last month, blocking it from buying U.S. software and components that it needs to make its products.
In a statement on Friday, the Commerce Department said the entities were part of China’s efforts to develop supercomputers. It said they raised national security concerns because the computers were being developed for military uses or in cooperation with the Chinese military.
The Chinese embassy in Washington didn’t immediately respond to a request for comment.
“While Huawei gets attention, the most important sector for U.S.-China economic competition is semiconductors,” Derek Scissors, a China expert at the American Enterprise Institute, who informally advises the Trump administration.
“Coming a week before the president meets Xi Jinping, it’s a welcome sign the U.S. won’t trade advanced technology for Chinese commodities purchases.”
Among those added to the blacklist were AMD’s Chinese joint-venture partner Higon, Commerce said in the statement. Also included were Sugon, which Commerce identified as Higon’s majority owner, along with Chengdu Haiguang Integrated Circuit and Chengdu Haiguang Microelectronics Technology, both of which the department said Higon had an ownership interest in.
The fifth entity is the Wuxi Jiangnan Institute of Computing Technology, which Commerce said was owned by the People’s Liberation Army’s 56th Research Institute. That institute’s mission, according to Commerce, is “to support China’s military modernization.”
The blacklisting requires American companies doing business with the Chinese firms to get a license from the U.S. government in order to sell their products. The policy for granting such licenses is that there’s a presumption of denial of such a request, according to the statement.
The action could heighten tensions just as Trump is preparing for a high-stakes meeting with his Xi during the Group of 20 meetings in Japan from June 28-29.
The U.S. said the companies are “involved in activities determined to be contrary to the national security and foreign policy interests of the United States.” The notice will be published in the federal register on Monday, making it an official directive.


Afreximbank supports intra-regional trade with $25bn

Prof. Benedict Oramah, Afreximbank Boss

African Export-Import Bank (Afreximbank) has disbursed eight billion dollars out of the 25 billion dollars it planned on a revolving basis to support intra-regional trade between 2017 and 2021.
The bank’s President, Prof. Benedict Oramah, said this at the on-going Afreximbank Annual Meeting (AAM 2019) in Moscow on Thursday.
“I am pleased to report that in two years of implementation, about eight billion dollars have been disbursed supporting trade and investment flows across borders.
“Afreximbank has committed significant resources towards creating the infrastructure that will support export manufacturing.
“A wood processing park supported by the Bank is already operational and contributing significantly to the economy of Gabon.
“A mineral processing park and port are also under development in Gabon as are industrial parks in Cote d’Ivoire, Nigeria, Malawi, Togo and Kenya.
“Credit facilities have been granted for the construction of Border Markets in Southern Africa as well as for roads linking multiple countries in West Africa.
“We have made improving access to trade finance, especially trade services a key element of our work.
“ Afreximbank has set itself the goal of granting trade finance and trade services lines amounting to eight billion dollars to 500 African banks spread across the continent, by the end of 2021.
“And About 320 banks have so far been on-boarded into the Programme and work is continuing,’’ Oramah said.
He said the banks total assets and contingent liabilities increased from 13 billion in 2017 to about 15 billion dollars in 2018.
He said Afreximbank’s net income rose from 220 million dollars in 2017 to 276 million dollars in 2018, driven by a 19 per cent growth in net interest income and a contained rise in expenses.
Oramah said Afreximbank’s capitalisation had remained sound with capital adequacy ratio at 25 per cent, on the back of an increase of 20 per cent in shareholders’ funds.
He said the banks’s shareholders fund increased from 2.6 billion dollars in 2018 to 3.5 billion dollars in 2019.
He said:“ Based on the strong performance and the transformative initiatives the Bank implemented in 2018, it was voted African Bank of the Year by the African Banker a few days ago.’’
On Mansa (Africa Customer Due Diligence Repository Platform), Oramah said the population of the platform was underway and with the help of Central Bank of Egypt, extensive training of African Central Banks and commercial banks was also underway.
The Afreximbank boss expressed optimism that the platform, by 2020, would hold over 500,000 data sets making it the largest repository of Customer Due Diligence Information on African entities globally.
He said the bank was working at breaking down trade barriers in Africa caused by fragmentation through artificial intelligence.
He said the bank was also working with the Africa Union to arrange an AfCFTA Adjustment Facility worth one billion dollars to enable countries in need to manage fiscal revenue shock.
This facility, Oramah said would make it easier for countries to comply with their commitments on tariff concessions and make the AfCFTA more impactful.
Also, the Prime Minister, Republic of Russian Federation, Dmitry Medvedev, pledged the country’s support to support Nigeria and the rest of Africa in their search for economic development.
Medvedev said in spite of the difficult global economic developments, positive goals could still be achieved with effective partnership “when we do it together.’’
According to him, Russia and African economies are endowed richly, a development that makes strategic investments imperative on the continent, to support growth.
He assured that the Russian Federation was pleased to participate in the ensuing projects on the African continent.
The prime minister said that Russia would use its expertise to raise the value of the continent’s primary sector, particularly in industrial productions, mining and agriculture.
“Our export centre is now a shareholder of Afreximbank.
“We have sincere commitment for Africa and four African states have visited us in just few months, as a show of the new relationship that we are building.
“Over 17,000 African students are studying in Russia and we simply need to know each other better.
“Africa and Russia will deepen their friendship on the basis of business and more active interactions.
“We look forward with hope for a brighter relationship that is built on trust and mutual respect, and most importantly relations that will bring economic prosperity to Africa and our country,” Medvedev said.(NAN)

Capital market indices dip by 0.02%

NSENigeria Stock Exchange

By Chinyere Joel-Nwokeoma
The long bearish trend on the Nigerian Stock Exchange (NSE) seems to be moderating, as the crucial market indicators dropped marginally by 0.02 per cent on Thursday.
The News Agency of Nigeria (NAN) reports that as a result the All Share Index dropped 7.41 points or 0.02 per cent to close at 29,765.31 compared with 29,772.72 recorded on Wednesday.
Similarly, the market capitalization, which opened at N13.120 trillion shed N3 billion or 0.02 per cent, closing at N13.117 trillion against N13.120 trillion on Wednesday.
NAN reports that bearish performance was influenced by price depreciations in medium and large capitalised stocks, among which are Forte Oil, MTN Nigeria, CI Leasing, Stanbic IBTC Holdings and Zenith Bank.
Analysts at Afrinvest Limited said that they expected investors to cautiously take positions in fundamentally sound stocks, which were trading at attractive prices and offering high dividend yields as H1 earnings season approached.
Lafarge Africa topped the gainers’ chart by 9.95 per cent to close at N10.50 per share.
Linkage Assurance followed with a growth of 8.93 per cent to close at 61k, while Thomas Wyatt Nigeria rose by 8.82 per cent to close at 37k per share.
AXA Mansard Insurance grew by 8.38 per cent to close at N1.94, while NEM Insurance gained 8.16 per cent to close at N2.65 per share.
Conversely, C&I Leasing led the losers’ chart by 10 per cent to close at N5.67 per share.
Forte Oil followed by declining 9.96 per cent to close at N31.20, while Wapic Insurance dipped by 8.89 per cent to close at 41k per share.
Courteville Business Solutions went down by 8.70 per cent to close at 21k, while Neimeth International Pharmaceuticals depreciated by 7.14 per cent to close at 52k per share.
However, the volume and value of shares traded closed lower as investors bought and sold 275.49 million shares worth N3.91 billion in 3,977 deals.
This is against the 1.23 billion shares valued at N67.89 billion shares exchanged in 3,441 deals on Wednesday.
Sterling Bank dominated trading activities, accounting for 54.96 million shares valued at N131.91 million.
Lafarge Africa came second with 32.44 million shares worth N340.63 million, while Access Bank traded 26.93 million shares valued at N185.11 million.
Guaranty Trust Bank sold 25.84 million shares worth N801.3 million, while Zenith Bank accounted for 19.87 million shares valued at N398.9 million. (NAN)

Thursday, 23 May 2019

Apply Now for CleverFiles Data Recovery and Protection Scholarship

The importance of society’s electronically stored digital data cannot be overstated. The convenience and flexibility of digital data come with new responsibilities that cannot be ignored. Managing the incredible amount of data that we generate and taking adequate steps to protect it requires the use of sophisticated software applications and methods.
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CleverFiles is heavily invested in the creation of tools that allow the average computer user to manage and protect their valuable digital assets.
Disk Drill data recovery software is designed to help you manage the complexity inherent in digital storage, protect your digital resources, and recover from unexpected data loss scenarios.
Our solution can be used by investigators as a tool for conducting forensic exploration of erased, damaged or formatted storage devices.
As part of our commitment to furthering the science of data protection and management, we have instituted a college scholarship destined to be awarded to a college student.

We are looking for a student who demonstrates an interest in the fields of data protection and management.

Ideally, the candidate will possess some innovative ideas related to these critical aspects of our digital lives. The hope is to inspire discussion associated with these vitally important aspects of life in our digital age.

Program Overview

Term: Annual Scholarship Offer
Amount: $2000 ( $1000 grant for US students, and another $1000 for Canadian or Non-US students)
Number of Winners Per Year: 2
Winners will be announced on June 30, 2019

Eligibility Requirements

In order to be eligible to receive this scholarship offer, there are some prerequisites that must be met. To be considered for this cash award, the applicant must fulfill the following list of requirements:
  • Applicants must be legally enrolled in college.
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  • The completed application needs to be received prior to June 15, 2019.

Application Requirements:

Please follow these application requirements to ensure your eligibility for the scholarship.

The Essay

The most important component of your application is an essay of between 400 and 750 words that addresses the importance of data in the digital age with a focus on better ways to manage our own data.
  • We are looking for practical advice and methods that we can all employ to manage our data more efficiently.
  • The winning essay will demonstrate an innovative and useful recommendation aimed at effectively managing our digital data.
  • Solutions with wide-ranging applicability and multiple usage scenarios will be reviewed favorably. Perhaps you have a new concept that can lead to cutting-edge techniques regarding data management.
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We are looking for an essay that addresses the theoretical and practical aspects of data management and protection for all users.

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Along with your essay, you need to attach a letter of recommendation for the scholarship from the dean or an administrator of your college. The letter must be accompanied by a verifiable phone number to allow us to contact the recommending party.

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Email your completed essay and letter of recommendation to
The Subject of the email should be: Scholarship Application – [Your Full Name]

Awarding the Scholarship

For more info click here

The scholarship will be awarded solely at the discretion of the judges at CleverFiles and will be announced on June 30, 2019. The winner will be determined based on the quality of their submitted essay. We are looking for an original approach that addresses an aspect of the field of data protection and management combined with some potential practical applications of the proposition.
After all of the submissions have been reviewed and we have made our determination, we will contact the winner and the administrator who recommended them via email. At this point, we will confirm that you have been awarded the scholarship and collect your contact information so we can send you the Prize. A check will be mailed 30 days after the winner is announced.
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5 Tips to Create Your Best Future

John Addison: 5 Tips to Create Your Best Future

We all want to be remembered for making a difference. But building a legacy is not top priority for most of us. When you are hard at work, you should not be legacy-focused; you should be focused on what you are doing now.
Dwelling on the past will not change the future any more than dreaming about the future will secure your place in it. Life is a day-by-day mission, the execution of a series of choices over time. The best steps toward building a legacy are to be a daily goal-setter and a daily goal-hitter. And that means making choices today that will resonate tomorrow.
First you have to perform in the now, in this very moment. There will never be another now, so you have to make it matter. You have to ask yourself, What am I doing today that will move me forward in the future?
And you can’t let that sense of urgency or the burden of decision making paralyze you. You have to adopt the perspective that you and your position are not what is at stake here. We are all temporary. There are no irreplaceable people. Your allegiance is to the team you’re part of and to the people and challenges that will follow you. Your job is to leave things better than you found them.
The key to being this kind of good steward is weighing short-term objectives against the long-term health and success of the group.

Do what’s necessary to perform today but always look toward the horizon.

This focus requires a real balancing act: Do what’s necessary to perform today but always look toward the horizon. You might not always be doing what’s popular now, but use your best judgment to ensure your choices today will place the team in a much better place down the road.
Making these choices from moment to moment is tough. I struggle with wondering whether I’ve made the right decision. You have to look inside yourself, recognize you are an imperfect person who sometimes will make mistakes, but your heart is in the right place.
If you can lie down at night and know your motives are sound, living with the results is easier. And the more decisions you make, the more opportunities you will have to make the right ones.
I use the following tips to help me make the right choices now to ensure a great future:
  • Gather your facts, balance short-term gains with long-term growth and make a call. Then live with the results.
  • Not making a decision is in itself a decision.
  • You will never know all of the facts.
  • If you are a quick decision-maker, slow down by surrounding yourself with people who are more methodical and need more data. On the other hand, if you’re one of those people who always want more data before making a decision, then surround yourself with people who will push you to decide more quickly.
  • Most decisions are not set in stone; they can be reversed over time. You make them with the best knowledge you have at the time, so keep learning and keep evolving.

Remain blessed!

3 Things to do to be Better at Decision-Making

Do These 3 Things to Be Better at Decision-Making
Every day, we are faced with life situations that we must confront. They require us to make certain choices, and those choices aren’t always easy. But because all decisions are the foundation for creating a life we love—or hate—it makes sense to try to make good ones.
Unfortunately, the strategies for making good decisions aren’t something we’re born with—but the process can be learned and improved over time with practice.
But what does it really mean to decide? Consider its Latin etymology: decider meaning “to decide, determine,” literally “to cut off.” So, to decide can be best understood as the process of “cutting off” any other possibility. That’s why the idea of wavering after you’ve made a decision doesn’t make much sense.
If you’ve found yourself wavering a lot lately and want to become better at decision-making, follow these key steps:

1. Clarify your purpose and identify your desired outcomes.

Clarifying the purpose behind your decision is the first step in the right direction. Knowing your why energizes your thinking and encourages you to take purposeful action that leads to results. It also helps you combat procrastination and confront distractions when they arise.
But just knowing your purpose isn’t enough. You must also identify the precise outcomes (the what) you desire to achieve. What’s the difference? Think of it like this: The purpose behind deciding to lose weight might be improved health and increased self-esteem. The precise outcomes you desire to achieve could be losing 50 pounds and lowering your cholesterol levels by 20 points. The point of this step is to become laser focused and fuel your motivation to stay the course of the decision.

2. Create a solid strategy armed with tactics.

Now that you’re all pumped up, what will you do next? There’s no use in clarifying your purpose and identifying your outcomes if you are not prepared to make advanced movement toward your goal. You need the elements of both strategy and tactics to execute the next phase of your decision.
To create a strategy, you’ll need to revisit the outcomes you identified in step one. Each outcome will require a strategy, which is best understood as the “big picture approach” you’ll need to follow in order achieve an outcome. For example, a strategy for losing 50 pounds could be incorporating exercise into your daily routine.
But to get at the heart of execution, you’ll also need some tactics. Tactics are the specific actions that you will need to execute to successfully carry out the strategy. Here, tactics could include attending a Zumba class on Tuesday and Thursday evenings, lifting weights at 6 a.m. Monday, Wednesday and Friday, and running 2 miles with your best friend in the neighborhood park on Saturday and Sunday mornings.

3. Take immediate action.

Finally, no plan of action will work unless you do something immediately. Success requires that you get the ball rolling. It sends a signal to the brain that you are serious and forces you to shift from “mind mode” to full-blown decision mode. It’s far too easy to procrastinate, even when you draw out an intricate plan. Instead of deferring action and talking a good mental game, plan to set yourself up for success by stepping boldly into the arena.
How do you take immediate action after you’ve done all of the above? Take one strong step that will help you execute the first tactic. In this case, it could mean buying new exercise clothes, setting your alarm for Monday’s weight lifting session or scheduling the weekend running schedule with your best friend. Whatever you select, just make sure it strongly aligns with overall strategy and helps to escalate one of your core tactics.
Are you ready to make a real decision? If so, use these steps to help you achieve the outcomes you seek and create new momentum in your life personally and professionally. You’ll be glad you did!


Sunday, 5 May 2019

How You Can Choose Your Baby's Sex Before Birth

by Dr. Abayomi Ajayi 

Do you know you can choose the s*x of your children before they are born? Everyone wants a healthy baby and it is normal to have a preference. Gender selection enables that. It is a procedure that allows intending parents to choose the sex of their baby. 
The selection of the gender of a couple’s baby – also sometimes referred to as family balancing – is available through special test procedures in conjunction with IVF/ICSI (In vitro fertilization/ Intracytoplasmic sperm injection).

Normally, all couples have a 50/50 chance of conceiving a boy or a girl; however, you might want to stack the odds in your favour, either for medical or some reasons to balance your family.

You may wish for a specific gender for your child if you wish to prevent inheritance of sex-linked genetic diseases.

There was a time the sex selection process could only be done abroad. Essentially the primary aim of assisted conception is to help couples achieve pregnancy, which is a primary and fundamental human requirement.

Research shows that as parents get closer to achieving their total desired number of children, the gender composition of the children already born becomes an important determinant of whether you would have another child.

Under these conditions, sex selection can help maximise your chances of having a small family size of both sexes. So instead of trying repeatedly and hoping on chance, a more certain method of selecting the sex of the child can be considered.

Sex selection is important for medical reasons in order to eliminate genetic diseases like Haemophila A and Duchenne’s muscular dystrophy that occur in males but are only carried or transferred by females.

If yours is a family with a history of some of these conditions, you could prefer to apply gender selection and opt to have only female children.

Pre-implantation Genetic Diagnosis or PGD is one of the best scientific methods for selecting the gender of a child. If properly done, PGD is almost 100 per cent certain of selecting the desired sex. In PGD, the woman first goes through IVF, where her ovaries are stimulated using medications to produce eggs.

The eggs are retrieved from her body using a special technique. They are fertilised using her partner’s sperms and in the resulting embryos, small cells are removed from each and analysed to determine the gender of the particular embryo.

Embryos of the desired sex are then transferred into the woman’s womb with the hope that they will attach to the uterine lining and grow into a viable pregnancy.

The gender of an embryo is determined by the chromosomes carried by the sperm. A sperm can carry either the X or the Y chromosome. The woman’s egg only contributes the X chromosome to the fertilised embryo. The presence of the Y chromosome in the sperm will create a male baby (XY). Two X chromosomes – one X from the sperm and one X from the egg – will produce a female baby (XX).

Another method known as Sperm Sorting/Microsort, involves the sperms being sorted using fluorescent technology into Y chromosome for the boy carrying sperms and X chromosome (girl) carrying sperms. The technology is based on the fact that the X chromosome is substantially larger than the Y chromosome.

The process uses a fluorescent DNA stain that attaches to the DNA of each sperm and a sorter to identify and separate the sperms.

However, not all couples are suitable for Microsort. The sperm count of the male partner must be within normal limits (at least 20 million sperms per ml with 50 per cent motility). Sperm samples are collected over a period and banked until a total of about 200 million sperms are collected. They are frozen and sent for sorting.

The sorted samples are sent back usually within three to four weeks and depending on the desired gender, the appropriate sperm is used to inseminate the woman or to fertilise her egg during processes of assisted reproduction.
The chances that the child will be a boy are up to 80 per cent while the chances that they will be a girl are over 90 per cent.

There are pros and cons. In PGD, the embryos may be damaged during testing. The desired sex may not be achieved as all the embryos produced may not be of the desired sex. The Microsort method may also not result in getting the desired gender as it is not 100 per cent effective.

Microsort method is based on separating sperm according to how much DNA is in the sperm. If a sperm with extra or less DNA per chromosome (abnormal sperm) fertilises an egg, it could result in pregnancy failure or a high risk of miscarriage.

Alongside sex determination, PGD can also check if the embryos are genetically normal.

Friday, 3 May 2019

Many Governors Agree To Pay N30,000 Minimum Wage

Nigerian Workers joy knew no bound in some states yesterday as they got assurances of payment of the N30,000 minimum wage from governors.

At rallies to mark the May Day, Edo, Adamawa, Ondo, Cross River, Zamfara, Oyo, Ebonyi, Delta, Rivers, Akwa Ibom and Anambra governors said they would pay the wage.

Outgoing Governors Mohammed Bindow (Adamawa), Abiola Ajimobi (Oyo) and Abdulaziz Yari (Zamfara) pledged to begin implementation of the pay before they go on May 29.

But Governor Seriake Dickson (Bayelsa) and Abdulfatah Ahmed (Kwara) said they were awaiting the National Income and Wages Commission (NIWC) to release modalities for the wages implementation.

In Calabar, Cross River State Governor Ben Ayade paid May salary to mark the day. But Labout protested, saying it was too early to do so.

The May Day was celebrated with fanfare across the states and the Federal Capital Territory (FCT) where Vice President Yemi Osinbajo took the workers’ salute on behalf of President Muhammadu Buhari.

Wednesday, 1 May 2019

Yahaya Bello Visits Bourdillon At Night, Meets Tinubu

The rumour that some forces in APC are not ready to allow Governor Yahaya Bello of Kogi state have a second term is serious. The young governor - who had ignored APC national leader Bola Tinubu since coming into office through the controversy of late Prince Audu's death and the refusal of AGF Malami to back Tinubu's boy, James Faleke as governor - finally visited Tinubu yesterday.

His visited to Tinubu's Lagos home may not be unconnected with Kogi State governorship election which is coming up later this year.

Bello was declared winner of the 2015 Kogi State gubernatorial election after he was chosen on the platform of the All Progressives Congress as the replacement for the late  Audu who originally won the election but died before the result was declared.

The replacement, which was facilitated by former APC Chairman, Chief John Odigie Oyegun and some party chieftains, did not go down well with Tinubu and his political structure who had wanted Faleke, the deputy gubernatorial candidate to replace Audu.

Reports have it that Bello may not be offered the ticket to seek re-election under the ruling APC due to his below average performance since he became governor of Kogi State about three years ago.

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