X: The Bible don't know chemistry oo. How can salt, sodium chloride, stop tasting salty? Impossible
Why Did Jesus Say “Salt Can Lose Its Saltiness”?
In Matthew 5:13, Jesus said:
“You are the salt of the earth. But if the salt loses its saltiness, how can it be made salty again? It is no longer good for anything, except to be thrown out and trampled underfoot.”
Now here’s the interesting part: pure salt (NaCl) never loses flavor. So what did He mean?
The Context
1. Back then, “salt” wasn’t pure. Much of it came from the Dead Sea—mixed with gypsum, dirt, and other minerals.
2. When exposed to rain or dampness, the real salt (sodium chloride) could leach out, leaving behind white powder that looked like salt but had no taste.
3. That useless residue was only good to be spread on roads to be trampled underfoot.
The Spiritual Lesson
Jesus was teaching that His disciples were meant to stand out—to preserve goodness in a corrupt world.
If they lost their distinctiveness (like salt losing saltiness), they’d still “look” religious but have no power or impact.
In other words: outward appearance without inward faithfulness is useless.
? Salt in the Old Testament
For His Jewish audience, “salt” carried covenant meaning too:
1. Leviticus 2:13 – Every offering had to be seasoned with the “salt of the covenant.”
2. Numbers 18:19 – God gave the priests a “covenant of salt forever.”
3. 2 Chronicles 13:5 – God’s promise to David was called a covenant of salt.
Salt symbolized permanence and faithfulness.
CONCLUSION
So when Jesus called us “the salt of the earth”:
He was saying: Preserve goodness in a decaying world.
Stay faithful like the covenant of salt—unchanging and enduring.
Don’t be like salt that looks pure but has no taste—outwardly religious, inwardly empty.
•• A fresh reminder: Being “salt” isn’t about having flavor for ourselves, but about preserving God’s covenant, showing faithfulness, and being a holy witness in a broken world.
New research is now showing that erythritol, that “safe” sugar-free sweetener many people trust, may actually be harming blood vessels in the brain and raising stroke risk.
Scientists at the University of Colorado Boulder found that when brain blood vessel cells were exposed to erythritol (about the amount you get from just one energy drink), two things happened:
Oxidative stress shot up
Nitric oxide dropped
Why is that important? Nitric oxide is what helps blood vessels relax and keep blood flowing well. Without enough of it, circulation suffers, and the chances of stroke or heart attack can increase.
Erythritol became popular because it doesn’t spike blood sugar and is low in calories, but more and more studies are showing a different side — linking it to major heart problems. This new finding gives a possible reason why: it directly messes with how blood vessels in the brain work.
Researchers say more studies are needed, but it’s a clear warning to watch how much erythritol you’re consuming in sugar-free drinks, snacks, or supplements. That “healthy” label may come with hidden risks.
n 1965 a 27-year-old Scotsman walked into a hospital and said:
“I want to stop eating. Completely.”
His name was Angus Barbieri. He weighed 207 kg (456 lb). Doctors agreed to watch him for a short fast. They expected days. Not a year.
What happened next was wild. Angus drank only water, tea, black coffee, and took vitamins plus sodium (Na) and potassium (K) — electrolytes the doctors gave him to keep his heart and nerves working. Hunger faded. His body burned fat like fuel. Week after week the kilos fell away. He said later, “I forgot what hunger feels like.”
382 days later he ate again — a boiled egg, a slice of bread, a little butter. He’d lost 125 kg, down to 82 kg (180 lb), and he kept the weight off.
Two important things to remember:
Electrolytes (Na & K) mattered. Without proper sodium and potassium replacement, long fasts can cause dizziness, muscle cramps, and dangerous heart problems. The supplements and regular monitoring were a key reason doctors could keep him safe.
Don’t try this alone. Angus was under strict medical supervision with regular blood tests. This kind of fast is risky and must never be attempted without doctors.
Angus’ case is one in a million — amazing, but not a how-to. If you want to try short fasts, make electrolyte balance (Na & K) non-negotiable — and see a clinician first.
Let me shock you today with a story they don’t tell enough.
During World War II, one Hungarian-American woman quietly saved lives with nothing but sunlight. Her name? Mária Telkes.
She invented a simple, inflatable device that could turn salty seawater into fresh drinking water. Imagine being a soldier shot down at sea, no hope, no water… then this small solar distiller keeps you alive. That’s why it was packed into U.S. military survival kits.
But that was just her beginning. Because of this, people started calling her “The Sun Queen.”
In 1948, she went further. Telkes designed the first solar-heated home in Dover, Massachusetts. Not a dream, not a prototype — a real house. She used special chemicals to store the sun’s heat in the day and release it at night. Basically, what we call renewable energy today, she was already doing 75 years ago.
The lesson?
While most of the world was still chasing coal and oil, one woman proved that sunlight could save lives, warm homes, and power the future.
So next time you see solar panels, remember: this game started long ago with a woman they called The Sun Queen.
In Singapore, a unique fleet of “food redistribution taxis” is turning food waste into life-saving support — one ride at a time. These taxis don’t ferry passengers, but something just as precious: surplus meals from weddings, corporate events, and buffets that would otherwise be thrown away. Within an hour of pick-up, this untouched food reaches neighborhood food banks and community kitchens, still hot and ready to serve.
The system is built on speed and coordination. Once an event ends, volunteers or event organizers log the leftover quantities on an app. The nearest food redistribution taxi is dispatched in minutes. These drivers, often retirees or part-time gig workers, are trained in hygienic handling and quick delivery, ensuring the meals stay fresh and safe.
The impact is remarkable. Each delivery feeds dozens — sometimes hundreds — of people in need. From elderly residents living alone to low-income families and migrant workers, these meals provide both nourishment and dignity. It’s a model that tackles food waste, hunger, and carbon emissions all at once.
Singapore’s tech-driven approach makes the system scalable and efficient. Real-time tracking, AI-powered route optimization, and strict hygiene monitoring help maintain quality at every step. It’s a shining example of how cities can use everyday infrastructure — like taxis — to drive powerful social change.
With maize prices crashing across Nigeria, farmers are finding new ways to survive. Instead of waiting to sell dry grains at a loss, they now sell fresh maize directly to roadside vendors who roast or boil it for consumers.
The trend has turned into a lifeline. Farmers avoid the extra costs of threshing, bagging, and transport—while tapping into a growing market.
“Selling fresh maize is saving us,” says Kano farmer Aminu Bello. “Grain is below N50,000 per 100kg, yet fertiliser is N70,000. Fresh maize gives us hope.”
Roasted maize, once mostly women’s trade, is now dominated by young men and even students. Some, like Gregory Yerima, use it to pay school fees.
Experts say the shift shows how farmers are adapting to high input costs and weak consumer spending. For now, roasted maize is not just a snack—it’s keeping farmers afloat.
When I first started my pig farm, I thought the real challenge would be raising healthy pigs. I was wrong. The real struggle was feeding them.
Every 3 weeks, I needed 1–2 tons of PKC (Palm Kernel Cake), and with today’s market, that was a huge drain. Right now, a bag of PKC sells for about ₦14,000 in Enugu, and a ton goes for nearly ₦240,000. That means I was spending ₦480,000 every three weeks and that’s without counting other costly feed ingredients like starter feeds (₦23,000 per bag), soya beans, corn chaff, lysine, and blood meal.
I was working hard, but the profits were disappearing into feed. Something had to change.
That’s when I looked at palm kernel not just as a feed source, but as a business opportunity.
Here’s what I discovered:
1. A bag of palm kernel nuts costs ₦67,000.
2. You need 6 bags to produce 1 drum of PKO (Palm Kernel Oil).
3. To make 1 ton, you need 5 drums.
Now, here’s the kicker
1 Drum of PKO sells for ₦440,000 – ₦460,000.
Let’s average it at ₦450,000.
So, 5 drums = ₦2,250,000 revenue from oil alone.
But wait, there’s more:
From each drum, you also get about 4.5 bags of PKC. That means 5 drums = 22.5 bags of PKC.
At ₦14,000 per bag → that’s ₦315,000 extra from PKC.
Net Profit = ₦2,565,000 – (₦2,010,000 + ₦120,000) = ₦435,000 per ton.
And for big farmers or investors, you can do 10 to 15 tones in a month and they are ready market to buy up the PKO and PKC.
When I saw the numbers, I realized something: while I had been buying PKC at ₦240,000 per ton, I could instead produce my own PKC, feed my pigs, and still make a profit from the oil.
That changed everything.
Not only did my feed cost drop, I suddenly had a new stream of income:
1. The PKO went straight to soap makers, cosmetics companies, and even food processors.
2. The PKC that my pigs didn’t eat was snapped up by other livestock farmers.
What started as a survival move to cut costs has grown into a profitable agribusiness venture.
Lesson: The rising cost of feed can either crush you or push you to innovate. For me, palm kernel turned from a burden into a goldmine.
If you’re into farming, don’t just buy PKC own the source. The numbers speak for themselves.
Dear Friend,
If the script your family handed you doesn’t inspire you, toss it out and draft a new one. But know this: new stories aren’t written with pens, they’re written with guts, sacrifice, and the courage to build. The sting of sacrifice lasts a moment; the sting of recycled poverty lasts forever.
Here’s the truth nobody admits: many people stay broke not because they don’t try, but because they never learned the real codes of money. School skipped those lessons. If you knew them, their system of control would collapse. 1. Poverty is Not a Virtue
Some of our parents endured suffering and dressed it up as humility. Don’t swallow that. Poverty is not noble—it’s a sickness. Decide you’ll be the last in your bloodline to suffer it. 2. Learn What They Missed
Your father may have labored for decades yet still struggled to borrow fare. Why? He never cracked the codes of selling, multiplying money, or using leverage. You must. Financial literacy is the first act of rebellion. 3. Jobs Are Not Freedom
If your biggest dream is “a safe job,” you’ve already chosen chains. A salary can feed you. Only assets can free you. Freedom belongs to those who own, not to those who only earn. 4. Kill the Excuse Culture
“No connection.” “No capital.” “No opportunity.” Maybe true then, but not now. You have the internet, a smartphone, and global access. Your parents lacked tools you already carry in your pocket. What’s your excuse? 5. Lose the Shame
Rebels don’t wait quietly. They sell. They market. They pitch. They get rejected and come back again. If you remain shy, you’ll inherit the quiet poverty of the last generation. 6. Shift From Spending to Building
The poor celebrate what they can buy. The wealthy celebrate what they can build. Don’t be the one flashing new shoes and gadgets with zero investments. Be the one who looks boring today but owns tomorrow. 7. Stack Assets, Not Validation
Applause doesn’t pay rent. Followers don’t cover tuition. Assets do. Put aside something each month that will pay you later. That’s how lasting wealth is built—quietly, consistently.
8. Have Faith: Last but not least. Have faith in Jesus Christ. Accept him as your Lord and personal saviour.
Although this is not a must since even sinners get rich, it is very important if spiritual forces are the cause of your poverty. If that is the case, no amount of head knowledge can save you, but Christ will, if you accept him.
Another advantage is eternal life and escape from the torment of hell.
Poverty and wealth are both generational. Somebody has to break the chain. Why not you?
A lot of people don’t realize how flexible an LLC (Limited Liability Company) can be. Let me break it down in plain English, as your street accountant.
Can one person run an LLC?
Yes. In Nigeria today, you can register a one-person company. This became possible under the new Companies and Allied Matters Act (CAMA) 2020.
Before now, you needed at least two people to form a company. But with the new law, single-member companies are allowed.
That means:
1. You can be the only shareholder (owner).
2. You can also be the only director (manager).
3. All profits belong to you. You can either keep them in the company or declare dividends to yourself. 100% legal.
Can one person run it without workers?
Yes, you can. There’s no law that forces you to hire staff before your company is valid.
You can be the CEO, accountant, marketer, and cleaner—all in one. Many startups and freelancers begin this way.
But here’s the truth:
1. Running solo works fine when starting small.
2. As money starts coming in, you’ll burn out if you don’t get help.
Even if you don’t hire full-time staff, you can outsource: Virtual assistant, Accountant, Lawyer, Cleaner, Delivery rider
Why workers (or outsourcing) eventually matter
1. Tax & Audit: To enjoy tax benefits (like paying yourself a salary, declaring dividends, or getting loans), you’ll need proper records. An accountant—even part-time—helps.
2. Growth: If you don’t delegate, you’ll remain self-employed. To scale, you need others.
3. Credibility: Banks, investors, and big clients take you more seriously when you have a structure—not just “one-man squad.”
But if you want to grow wealth and reduce tax like the rich, start building structure—even if it’s just one trusted staff or outsourced experts.
Remember: The rich don’t win by muscles; they win by structure.
In the autumn of 1705, a silence fell over the McCall household in Lurgan. Margorie, a beloved wife and mother, had succumbed to a violent fever. Her husband John, a doctor himself, was heartbroken but fearful of the sickness spreading to their children. With a heavy heart, he ordered a swift burial in the Shankill Cemetery.
There was one final, grim detail: a valuable wedding ring, stubbornly stuck on Margorie’s swollen finger. Unable to remove it, John buried his treasure with his wife, a final token of his love.
But in the shadows, other men saw a different kind of treasure. That very night, two body snatchers slunk into the graveyard, drawn by rumors of the doctor’s wife buried with a jewel. They pried open the fresh coffin and there it was—the glint of gold on her finger. When the ring wouldn’t twist free, one drew a knife. It was not a grave robber’s blade that woke her, but the searing pain of the cut—the shock jolting her body from its deathlike coma.
Margorie McCall sat up and screamed into the darkness.
The thieves didn't wait to see if it was a woman or a wrathful spirit. They vanished into the night, never to rob another grave, leaving their shovels and their prize behind.
Cloaked in dirt and her own burial shroud, Margorie climbed from her own grave and stumbled home through the sleeping town. She arrived at her door, a phantom in the moonlight, and knocked.
Inside, John was comforting his grieving children. At the sound, he paused. “If your mother were still alive,” he murmured, “I’d swear that was her knock.”
He opened the door to his nightmare and his miracle. There stood his wife, pale as a specter, her hand bleeding, but very much alive. The shock was too immense for his heart to bear. John McCall collapsed on the threshold, dead where he fell.
He was laid to rest in the very plot Margorie had so recently vacated.
Margorie recovered, lived a long life, remarried, and had more children. When she finally died for good, she was returned to Shankill Cemetery. Her gravestone tells her incredible story in just four words: “Lived Once, Buried Twice.”
If you own a bank account in Nigeria, you’ll soon need a Tax Identification Number (TIN) to continue operating it. This requirement takes effect on January 1, 2026, under the Nigeria Tax Administration Act, 2025.
This change marks a major shift in the country’s tax system and will affect all individuals and businesses with financial accounts in Nigeria.
The good news? Getting a Tax ID is free, simple, and in many cases, you may already have one automatically generated using your Bank Verification Number (BVN) or National Identification Number (NIN).
Step-by-Step Guide to Getting Your Tax ID Step 1: Check if you already have a Tax ID
a. Visit the official Joint Tax Board (JTB) TIN Verification Portal: https://tin.jtb.gov.ng
b. Click on “Search for TIN.”
c. Enter your BVN and Date of Birth to see if a TIN has already been created for you.
Step 2: Register for a new Tax ID (if you don’t have one)
a. Go to the JTB TIN Registration Portal: https://tin.jtb.gov.ng
b. Select “Register for TIN (Individual).”
c. Fill in your details, including BVN, NIN, and other required information.
d. Submit the form and follow the instructions.
Once approved, you can download and print your Tax ID certificate. The entire process is free of charge.
To avoid service disruptions, it’s best to complete this process well before January 2026.
Why This Matters
From January 2026, you’ll need a valid Tax ID to access services such as:
a. Bank accounts
b. Insurance policies
c. Stockbroking and other investment services
The law also applies to non-residents. Section 6(1) of the Act states:
“A non-resident person that supplies taxable goods or services to any person in Nigeria, or derives income from Nigeria shall register for tax purposes and obtain a Tax ID.”
For businesses that temporarily stop operating, the Act allows suspension or deregistration of their Tax ID, provided they notify the tax authority within 30 days of halting operations.
Key Points to Remember
a. Your NIN (for individuals) and CAC registration number (for companies) will serve as your Tax ID.
b. Everyone who earns taxable income must register, while low-income citizens who are not taxable are protected.
c. Without a Tax ID, you may not be able to operate financial services, and sanctions will apply.
The Nigerian government is tightening tax compliance, and the Tax ID is now essential for financial transactions. Take a few minutes to check your status on the JTB portal and register if needed — it’s free, simple, and will keep your accounts running smoothly in 2026 and beyond.
Posted by: FarmLady - 09-12-2025, 11:46 PM - Forum: Health
- No Replies
If you ever struggle to access oxygen in hospitals or cannot afford it, there’s an old technique worth remembering: Postural Drainage.
This method helps ease breathing problems caused by excess mucus in the lungs. By lying in specific positions, gravity assists in draining mucus from the airways, making it easier to breathe. Though it has become less common with modern ventilators and machines, it can still be helpful, especially in emergencies.
How it helps:
a. Clears mucus from the lungs
b. Makes breathing easier
c. Supports recovery during respiratory infections
How to practice:
a. Inhale and exhale slowly while in the recommended position
b. Stay in position for 15–20 minutes
c. Repeat 2–3 times daily as needed
d. Do not practice right after eating
History: During a flu outbreak in 1976, a nursing home in Vietnam reportedly used this method consistently for elderly residents. Remarkably, they had fewer deaths compared to other homes that didn’t apply it.
Note: Postural drainage is not a replacement for medical care or oxygen therapy if you are severely short of breath. It is a supportive technique that may help until proper treatment is available.
Tired of fruits dropping and going to waste? This simple net + bucket setup saves your harvest and keeps it clean! ? Perfect for small gardens and backyard growers.
One rainy day, early in the morning, when the cold was bone-chilling. I heard the growl and cry of a dog. I came out and saw my neighbour using a long stick to chase this poor dog away from his side of the veranda, where he went to seek refuge from the wind and rain.
The small dog refuse oo. But he finally succeeded. The dog came over to my side. As an animal lover I welcomed him. But my side is not shielded from the wind. So I have to use a megaphone carton to make a temporary wind shield for him. He growled at me when I tried to do this. But I understand. He's been brutally abused by people and think that I'm like others.
I just ignored him and set up the wind shield and also placed a cloth on the floor for him to lie on.
I never planned owning a dog now and even when I do, my target is a German Shepherd or Belgian Malinoise. Seeing the miserable state of this dog made me to buy it for N10k. They call him Jimmy, but I changed the name to Sergeant, after my first deceased dog ??.
---------------
Just like Sergeant, many of us come to God broken, wounded, and suspicious, because of how life and people have treated us. We sometimes “growl” at His attempts to help us by resisting His love.
Yet, Christ doesn’t give up on us.
-He shelters us (like I did with the carton and cloth) even when we don’t understand His intentions.
-He pays the price for us (as I did with the ₦10k) while we were yet sinners.
-He gives us a new name and identity (Revelation 2:17), just as I renamed the dog to “Sergeant,” honoring him with dignity.
“But God commendeth his love toward us, in that, while we were yet sinners, Christ died for us” (Romans 5:8).
Don't give up on God. Repent for the days are evil. Christ's coming is nearer than ever.
?Before: 27th July 2025
? After: Present, 12th Sept 2025
Sometimes, first-time goat mothers don’t immediately care for their newborns. I recently had a doe that refused to clean her kid after birth. I had to step in, clean the baby myself, and even try holding the mother so the kid could nurse. Unfortunately, she still resisted.
Thankfully, after some time, she began to accept her role and allowed the kid to feed naturally.
Important Tip: Newborn kids must drink colostrum within the first 2–4 hours of life. Without it, they can easily die because they cannot regulate their body temperature and they miss out on vital antibodies needed for survival.
If a mother refuses to nurse, farmers should intervene quickly by helping the kid suckle or by bottle-feeding colostrum.
What to Do if a Goat Refuses Her Kid
1. Clean the Kid: Wipe off mucus and fluids if the mother refuses to lick it.
2. Encourage Nursing: Gently hold the mother still so the kid can find the teat.
3. Milk the Doe: If she still refuses, hand-milk some colostrum.
4. Bottle or Tube Feed: Use a bottle or stomach tube to feed the kid colostrum within the first 2–4 hours.
5. Monitor Bonding: Keep an eye on the mother and kid. Many first-timers eventually accept their kids after a few hours.
6. Stay Prepared: Always have frozen colostrum or colostrum replacer available in case of rejection.
Managing your money depends on when you plan to use it. Whether it is for next month’s rent, a wedding in two years, or retirement in thirty years, the way you save must match your timeline. Below is a breakdown of how to save and invest in the short, medium, and long term.
1. Short-Term Savings (1 month – 1 year)
If you will need the money soon—maybe for rent, school fees, a gadget, or vacation—it must stay liquid and risk-free.
1a. Fixed or Target Savings Accounts
Lock money for between one and twelve months to earn higher interest.
Examples: Opay Fixed/Target, Palmpay Fixed/Target, FairLock by Fairmoney, PiggyVest Safelock, Cowrywise Lock.
1b. Treasury Bills (91–182 Days)
Issued by the Nigerian government and considered very safe. Tenures: less than 90 days (short), 91–180 days (medium), and 181–364 days (long).
Buy through your bank or licensed investment firms.
1c. Money Market Funds (MMFs)
Safer than stocks, pay interest daily or weekly, and allow withdrawal within 24–48 hours.
Examples: ARM MMF, Stanbic IBTC MMF, FBNQuest MMF.
Important Note: Do not invest short-term savings in stocks. You may need the money before the market recovers.
2. Medium-Term Savings (2 - 5 years)
For goals like starting a business, buying a car, or saving for a wedding, you can take moderate risks for higher returns.
2a. Extended Short-Term Options
Use longer fixed deposits, target savings, or treasury bills for up to five years.
2b. FGN Savings Bonds and Commercial Papers
FGN Bonds (two to three years) pay interest quarterly.
Commercial Papers are short-term loans to companies. They pay more but carry mild risk.
Access them through stockbrokers or fund managers such as Stanbic IBTC, Chapel Hill Denham, FBNQuest, Meristem, or Cowrywise.
2c. Mutual Funds
These are pools of investments managed by experts.
They are safer than buying stocks directly and provide moderate returns.
2d. Real Estate Savings
Save monthly toward buying land or property within three to five years.
This is suitable if your target is real estate, but beware of fraudulent companies.
Important Note: Avoid volatile assets like stocks or cryptocurrency for medium-term savings. You may need the money before they recover.
3. Long-Term Savings (10 – 30 years)
For retirement, children’s education, or building wealth, you can afford to take more risk since time works in your favor.
3a. Stocks and Equity Funds
Buy shares in strong Nigerian companies such as GTCO, Zenith, Dangote, Nestlé, MTN, or Airtel.
Alternatively, invest through Equity Mutual Funds or ETFs to spread risk.
Stocks beat inflation over decades but require patience.
3b. Government and Corporate Bonds (5–20 years)
Bonds are safe and provide steady interest.
FGN Bonds pay twice yearly and are great for conservative, long-term investors.
3c. Retirement and Pension Plans
Contribute to a Retirement Savings Account (RSA) via your Pension Fund Administrator (PFA).
Options include AIICO, ARM, Stanbic IBTC, and Pensions Alliance.
These ensure discipline, protect your old age, and offer tax advantages.
3d. Real Estate
Buy land in developing areas, as land appreciates over time.
Build rental houses, hostels, or shortlets for steady income.
Real estate is illiquid but excellent for wealth building.
Important Notes:
Diversify. Do not put all your money in land or stocks.
Prioritize assets that beat inflation such as equities and real estate.
Think in decades, not months. The longer you invest, the greater the growth.
4. Final Word
Short-term savings should focus on liquidity and safety.
Medium-term savings should balance safety with growth.
Long-term savings should focus on growth and wealth creation.
By aligning your savings with your timeline, you protect your goals and avoid unnecessary risks.
1. What is a Dividend?
A dividend is a portion of a company’s profits distributed to its shareholders as a reward for investing. It is different from capital gains (increase in stock price). Dividends are usually paid quarterly or annually, depending on company policy.
2. Who Pays Dividends in Nigeria?
In Nigeria, dividends are paid by the Registrar of each company you own shares in, not by your stockbroker (e.g., not Bamboo, Meristem, etc.).
3. How to Receive Dividends Directly in Your Bank Account
To receive dividends directly into your bank account, you must complete and submit the E-Dividend Mandate Form.
Steps: Step 1: Get the E-Dividend Mandate Form
You can obtain the form from your bank or download it from the SEC website (they both provide a universal form).
You can also download it from the Registrar’s website of the company you bought shares in.
Each company has its own Registrar. For example:
Africa Prudential Registrars Plc handles BUA Cement & UBA.
Datamax Registrars Limited handles GTCO.
Coronation Registrars Limited handles Dangote Cement.
To find the Registrar for your company’s shares, simply search online.
Step 2: Fill in the Form
Provide your full name (as it appears on CSCS and BVN records).
Enter your CSCS/CHN number.
Provide your bank name, account number, and BVN.
Append your signature.
Important Notes:
Every Nigerian stockholder has a Central Securities Clearing System (CSCS) account. Think of it as a BVN for stocks.
This account is created automatically when you first buy stocks through a licensed stockbroker.
Your CSCS number links all your shares across different brokers and registrars.
Example: If you bought BUA Cement and UBA via Meristem, and GTCO or Dangote Cement via Bamboo, all will still be tied to your single CSCS account.
Step 3: Submit the Form
Submit the completed form at your bank branch (they process it free), OR
Submit it directly to the Registrar of the company whose shares you hold.
Once processed, all future dividends will be credited electronically to your bank account.
4. Why the E-Dividend Form is Important
It solves the problem of unclaimed dividends from old paper warrants.
Even if you bought shares many years ago and never received dividends, this process still works. Once linked, you won’t need to chase dividend cheques or deal with expired warrants.
FAQs Q1: I received dividends without filling the E-Dividend form. How is that possible?
Before 2015/16, dividends were paid by cheque (dividend warrants). Some people still get paid that way, but many dividends remain unclaimed because cheques expire, addresses change, or details don’t match.
Some registrars automatically linked bank accounts once you provided your bank details during stock purchase.
Some stock apps (e.g., Chaka, Bamboo) collect shareholders’ bank details upfront, so once dividends are paid, they are automatically credited.
However, the safest and most reliable way is to fill the E-Dividend Mandate Form.
Q2: If I bought stock in GTBank, Dangote and Presco, should I download separate E-Dividend forms for each?
Not necessarily. You can use the Consolidated E-Dividend Mandate Portal (e-DMMS) on www.sec.gov.ng. Download the form, submit it through your bank, and it will link all your registrars and companies at once.
Many Nigerians are in this same situation. Years ago, parents or grandparents bought shares when one unit was sold for just a few kobo. But today, because of poor records, missing documents, or even death, the family never sees the benefits.
Let’s break it down clearly:
1. In Nigeria, companies and registrars won’t just hand dividends to you. By law, you must prove whether your father is alive or dead.
That requires either:
A. Probate (if there’s a Will), or
B. Letter of Administration (LOA) (if no Will).
And to get either one, you need a death certificate.
In Igbo land, after 7 years of someone missing, the family may perform burial rites. But legally, Nigeria doesn’t wait for 7 years.
You can go to court for a Presumption of Death Order before then.
Most families, however, still wait for the 7th year.
If your father is dead or missing, here’s what you should do:
1. Gather all his share certificates and dividend warrants.
2. Visit the registrars (e.g., Access Bank Registrars, Zenith Registrars, First Registrars) with proof of your father’s ID and your relationship (birth certificate or affidavit).
They will tell you plainly: without LOA, nothing moves. To access the dividends and shares legally, your family must choose:
(A) Wait until 7 years, declare him dead, get the death certificate, then apply for LOA.
(B) Apply to court now for “Presumption of Death,” then process LOA immediately.
Why you must act fast: Every year that passes, unpaid dividends are transferred to the Unclaim1ed Dividends Trust Fund under CBN & Debt Management Office. If you delay too long, claiming it becomes serious wahala.
My Advice to you:
1. Guard those certificates like gold.
2. Sit with your family and decide whether to wait till the 7th year or go to court now.
3. Once LOA is secured, transfer the shares to the family name and enjoy dividends going forward.
Lesson for everyone reading this:
If you are alive and you own shares or investments, don’t keep your family in future trouble.
1. Write a Will,
2. Set up a Trust, or
3. Add a clear Next of Kin.
Nigeria no dey smile. If you don’t plan, your sweat fit waste while your family suffers to claim what belongs to them.
Four Kenyan villagers once chased and captured two live cheetahs that had been killing their goats for weeks.
The incident happened in Wajir, northeastern Kenya, in November 2013. The cheetahs had already killed 15 goats belonging to a man named Nur Osman Hassan. Desperate to stop the losses, the men came up with a plan.
They waited until the hottest part of the day, when cheetahs tire faster, and then launched a pursuit. The chase lasted about four miles (6.4 km) across the dry scrub. Cheetahs are the fastest land animals, capable of speeds up to 104 km/h (64 mph), but only for short bursts. Unlike humans, they overheat quickly and cannot sustain long-distance runs.
Eventually, the exhausted cheetahs collapsed and were unable to run any farther. The villagers tied them up and handed them over to the Kenya Wildlife Service (KWS).
Speaking to the BBC, Hassan said: “The cheetahs killed most of my goats, and I need compensation.”
This remarkable case highlights the ongoing human-wildlife conflict in Kenya, where predators like cheetahs and lions sometimes attack livestock, putting rural farmers in economic hardship. Wildlife experts note that while cheetahs are deadly sprinters, human endurance running—especially in high heat—can outlast them.
