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Banque Cantonale Vaudoise lowered its holdings in shares of iShares Core High Dividend ETF ( NYSEARCA:HDV – Free Report ) by 72.6% during the third quarter, Holdings Channel reports. The firm owned 320 shares of the exchange traded fund’s stock after selling 850 shares during the period. Banque Cantonale Vaudoise’s holdings in iShares Core High Dividend ETF were worth $38,000 as of its most recent SEC filing. A number of other hedge funds and other institutional investors have also modified their holdings of the business. Centaurus Financial Inc. increased its position in iShares Core High Dividend ETF by 8.4% during the second quarter. Centaurus Financial Inc. now owns 1,160 shares of the exchange traded fund’s stock worth $126,000 after buying an additional 90 shares during the last quarter. Straight Path Wealth Management raised its stake in shares of iShares Core High Dividend ETF by 1.1% in the 3rd quarter. Straight Path Wealth Management now owns 9,317 shares of the exchange traded fund’s stock valued at $1,096,000 after acquiring an additional 97 shares in the last quarter. Jaffetilchin Investment Partners LLC lifted its holdings in iShares Core High Dividend ETF by 0.7% in the 2nd quarter. Jaffetilchin Investment Partners LLC now owns 14,647 shares of the exchange traded fund’s stock worth $1,592,000 after purchasing an additional 99 shares during the last quarter. Parsons Capital Management Inc. RI boosted its position in iShares Core High Dividend ETF by 0.9% during the second quarter. Parsons Capital Management Inc. RI now owns 11,160 shares of the exchange traded fund’s stock worth $1,213,000 after purchasing an additional 100 shares during the period. Finally, WealthShield Partners LLC grew its holdings in iShares Core High Dividend ETF by 3.6% during the second quarter. WealthShield Partners LLC now owns 2,956 shares of the exchange traded fund’s stock valued at $321,000 after purchasing an additional 104 shares during the last quarter. iShares Core High Dividend ETF Trading Up 0.5 % Shares of iShares Core High Dividend ETF stock opened at $120.79 on Friday. The firm has a fifty day simple moving average of $118.25 and a 200-day simple moving average of $114.11. The stock has a market capitalization of $11.41 billion, a price-to-earnings ratio of 13.82 and a beta of 0.55. iShares Core High Dividend ETF has a 1-year low of $98.17 and a 1-year high of $121.23. iShares Core High Dividend ETF Profile The iShares Core High Dividend ETF (HDV) is an exchange-traded fund that is based on the Morningstar Dividend Yield Focus index. The fund tracks a dividend-weighted index of 75 high-yielding US equities, screened for high earnings potential and dividend sustainability. HDV was launched on Mar 29, 2011 and is managed by BlackRock. Featured Stories Want to see what other hedge funds are holding HDV? Visit HoldingsChannel.com to get the latest 13F filings and insider trades for iShares Core High Dividend ETF ( NYSEARCA:HDV – Free Report ). Receive News & Ratings for iShares Core High Dividend ETF Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for iShares Core High Dividend ETF and related companies with MarketBeat.com's FREE daily email newsletter .None
Trump convinced Republicans to overlook his misconduct. But can he do the same for his nominees?Liverpool leads as the class of the Champions League this season, dumping title holder Real Madrid into an almost unbelievable 24th place in the 36-team standings. No one felt the embarrassment of Madrid’s 2-0 loss at Anfield more than Kylian Mbappé, the superstar added in the offseason by the storied club that also was European champion against Liverpool in the finals of 2022 and 2018. Mbappé had a penalty saved in the second half and was earlier dumped on his behind by Conor Bradley’s perfect tackle in an instant viral moment. Monaco missed a chance to go second in the table, giving up a lead playing with 10 men from the 58th minute in a 3-2 loss at home to Benfica. Swiss forward Zeki Amdouni scored the winning goal in the 88th. Borussia Dortmund, the beaten finalist against Madrid in May, is up to fourth place after beating Dinamo Zagreb 3-0. Champions League standout Jamie Gittens now has four goals in five games, curling a rising shot in the 41st to open the scoring. The best comeback was at PSV Eindhoven, where the home team trailed Shakhtar Donetsk by two goals in the 87th minute before a 3-2 win was sealed by United States forward Ricardo Pepi’s goal deep in stoppage time. US defender Cameron Carter-Vickers scored an embarrassing own goal for Celtic — playing a no-look pass far beyond goalkeeper Kasper Schmeichel — in a 1-1 draw with Club Brugge. Liverpool’s stand-in right back Bradley was a standout Wednesday, playing a key pass that set up Alexis Mac Allister to score the opening goal in the 52nd. After Mbappé’s penalty was pushed away by goalkeeper Caoimhín Kelleher in the 61st, Liverpool star Mo Salah missed with his spot-kick in the 70th, before substitute Cody Gakpo sealed the win with a header in the 77th. Madrid now has lost three of five games after defeats at Lille and at home to AC Milan. The record 15-time European champion has another tough trip next, at fifth-place Atalanta on Dec. 10. Congo teammates Ngal’Ayel Mukau and Silas impressed in wins for Lille and Red Star Belgrade. Mukau scored twice in 12th-place Lille’s 2-1 win at Bologna and Silas leveled for Red Star in a 5-1 rout of Stuttgart, though he barely celebrated his goal. Silas is on loan with the Serbian champion from Stuttgart. Aston Villa drew 0-0 with Juventus. ___ AP soccer: https://apnews.com/hub/soccer Graham Dunbar, The Associated Press
"Lorem ipsum dolor sit amet, consectetur adipiscing elit, sed do eiusmod tempor incididunt ut labore et dolore magna aliqua. Ut enim ad minim veniam, quis nostrud exercitation ullamco laboris nisi ut aliquip ex ea commodo consequat. Duis aute irure dolor in reprehenderit in voluptate velit esse cillum dolore eu fugiat nulla pariatur. Excepteur sint occaecat cupidatat non proident, sunt in culpa qui officia deserunt mollit anim id est laborum." Section 1.10.32 of "de Finibus Bonorum et Malorum", written by Cicero in 45 BC "Sed ut perspiciatis unde omnis iste natus error sit voluptatem accusantium doloremque laudantium, totam rem aperiam, eaque ipsa quae ab illo inventore veritatis et quasi architecto beatae vitae dicta sunt explicabo. Nemo enim ipsam voluptatem quia voluptas sit aspernatur aut odit aut fugit, sed quia consequuntur magni dolores eos qui ratione voluptatem sequi nesciunt. Neque porro quisquam est, qui dolorem ipsum quia dolor sit amet, consectetur, adipisci velit, sed quia non numquam eius modi tempora incidunt ut labore et dolore magnam aliquam quaerat voluptatem. Ut enim ad minima veniam, quis nostrum exercitationem ullam corporis suscipit laboriosam, nisi ut aliquid ex ea commodi consequatur? Quis autem vel eum iure reprehenderit qui in ea voluptate velit esse quam nihil molestiae consequatur, vel illum qui dolorem eum fugiat quo voluptas nulla pariatur?" 1914 translation by H. Rackham "But I must explain to you how all this mistaken idea of denouncing pleasure and praising pain was born and I will give you a complete account of the system, and expound the actual teachings of the great explorer of the truth, the master-builder of human happiness. No one rejects, dislikes, or avoids pleasure itself, because it is pleasure, but because those who do not know how to pursue pleasure rationally encounter consequences that are extremely painful. Nor again is there anyone who loves or pursues or desires to obtain pain of itself, because it is pain, but because occasionally circumstances occur in which toil and pain can procure him some great pleasure. To take a trivial example, which of us ever undertakes laborious physical exercise, except to obtain some advantage from it? But who has any right to find fault with a man who chooses to enjoy a pleasure that has no annoying consequences, or one who avoids a pain that produces no resultant pleasure?" 1914 translation by H. Rackham "But I must explain to you how all this mistaken idea of denouncing pleasure and praising pain was born and I will give you a complete account of the system, and expound the actual teachings of the great explorer of the truth, the master-builder of human happiness. No one rejects, dislikes, or avoids pleasure itself, because it is pleasure, but because those who do not know how to pursue pleasure rationally encounter consequences that are extremely painful. Nor again is there anyone who loves or pursues or desires to obtain pain of itself, because it is pain, but because occasionally circumstances occur in which toil and pain can procure him some great pleasure. To take a trivial example, which of us ever undertakes laborious physical exercise, except to obtain some advantage from it? But who has any right to find fault with a man who chooses to enjoy a pleasure that has no annoying consequences, or one who avoids a pain that produces no resultant pleasure?" Thanks for your interest in Kalkine Media's content! To continue reading, please log in to your account or create your free account with us.Sports Shakedown: Major Developments Across Leagues
Transportation Secretary Pete Buttigieg snapped back Thursday at criticism from airline executives who say the Biden administration over-regulated them, pointing out that some of those airlines are making large profits despite new passenger-protection rules. Buttigieg said the rules his department has imposed, including automatic cash refunds after flights are canceled, enjoy broad public support and “will stand the test of time.” The comments came after the CEOs of Delta Air Lines and Southwest Airlines said they hoped the government will be more pro-business when President-elect Donald Trump returns to office. Delta CEO Ed Bastian said the Trump administration will be “a breath of fresh air” for his industry. “I know that some airline CEOs have expressed hopes that the next administration will be less passenger-friendly and more corporate-friendly than this administration,” Buttigieg responded during a news conference to discuss Thanksgiving travel. “The passenger protections that we have put in place deservedly enjoy broad public, bipartisan support. I just don't run into a lot of people who are against the idea that you ought to get an automatic refund without any hassle, for example.” Buttigieg argued that strong passenger protections are good for the airline business. “Some of these companies have been showing very healthy profits even at this new and higher level of consumer protection, demonstrating to me that these things can travel together,” he said. It appeared to be a reference to Delta, the most profitable U.S. airline in recent years. Delta earned $2.6 billion in the first nine months of this year and $4.6 billion last year. The airline industry has opposed many consumer-protections written by the Biden administration, even suing the Transportation Department to kill a rule requiring greater transparency over fees that airlines charge their passengers. Airlines also oppose a current department inquiry into their frequent-flyer programs. Bastian, the Delta CEO, said he expected the Transportation Department under Trump to “take a fresh look at the regulatory environment, the bureaucracy that exists in government, the level of overreach that we have seen over the last four years within our industry.” Southwest Airlines CEO Robert Jordan said last week, “We are hopeful for a DOT (Department of Transportation) that is maybe a little less aggressive in terms of regulating or rule-making.” Buttigieg noted that his department extracted a $140 million settlement from Southwest over widespread flight cancellations in December 2022 and is conducting a similar investigation into Delta, which canceled about 7,000 flights after a technology outage in July. He suggested airline CEOs should spend more time thinking about passengers and less about their regulator.
Morgan Stanley Has Lowered Expectations for Duke Energy (NYSE:DUK) Stock PriceFantasy Football Start 'Em, Sit 'Em for NFL Thanksgiving games: Week 13 lineup advice, best matchups, DFS picks | Sporting NewsOur first resolution should be to work for downtrodden, needy: LG
Let’s take a look at the injury report for the Charlotte Hornets (7-17), which currently includes six players listed (including LaMelo Ball), as the Hornets prepare for their matchup with the Chicago Bulls (10-15, two injured players) at United Center on Friday, December 13 at 8:00 PM ET. Watch the NBA, other live sports and more on Fubo. What is Fubo? Fubo is a streaming service that gives you access to your favorite live sports and shows on demand. Use our link to sign up. Their last time out, the Bulls lost 108-100 to the 76ers on Sunday. Zach LaVine totaled 30 points, four rebounds and three assists for the Bulls. The Hornets won their last game 113-109 against the Pacers on Sunday. Brandon Miller recorded 26 points, six rebounds and five assists for the Hornets. Sign up for NBA League Pass to get live and on-demand access to NBA games. Get tickets for any NBA game this season at StubHub. Catch NBA action all season long on Fubo. Bet on this or any NBA matchup at BetMGM. Not all offers available in all states, please visit BetMGM for the latest promotions for your area. Must be 21+ to gamble, please wager responsibly. If you or someone you know has a gambling problem, contact 1-800-GAMBLER .
A popular Yoruba proverb says when a rabbit gets old, it suckles on its child’s breasts, which symbolises the prevailing mindset of children as retirement plans in Nigerian society. In this piece, OLUWAKEMI ABIMBOLA explores the multigenerational adverse effects of delayed pensions. Seated under a shed at the Federal Civil Service Club, the venue of their meeting, were about two dozen retirees, who waited patiently, their weathered faces a mixture of resignation and quiet determination. The shed offered a brief respite from the morning heat but not from the burden they carried. Most of the men wore ankara fabrics, paired with caps; the women in Yoruba ‘iro and buba,’ skirt and blouse made from ankara, and others in western-style gowns added a splash of colour to an otherwise sombre gathering. A few of the younger ones, faces lightly made up, stood out as a subtle reminder that retirement does not always come with age. This was the regular bi-monthly meeting of the Concerned Federal Pensioners, a support group formed by retirees from various federal government establishments. For many, it was more than just a meeting; it was an outlet, a moment to step out of their homes and the daily challenges they face. Here, they could air their grievances, share updates, and renew faint hopes that someone, somewhere, might finally listen. A Life of waiting Among them was Amidu Iposi, a former level-seven civil servant with the Federal Ministry of Housing. Retired for nearly two decades, Iposi has spent most of his post-service years battling incomplete pension payments, a struggle that has drained him emotionally and financially. Another retiree, Aremu Musa, retired from the Survey Department of the Federal Ministry of Works and Housing in 1999, but he tells a story of short payment. Between May 2009 and 2010, he said that his pension was inexplicably short-paid, and despite numerous appeals to the relevant authorities, his efforts to recover the funds have yielded nothing. Edevor Sunday, who retired from the Ministry of Defence in 2020 after 35 years of service, was one of the younger faces in the crowd. Though he had begun receiving his pension, he claimed that his unpaid gratuity was a significant amount that could have provided him with the stability he desperately needed as he navigated life after service. Their stories echoed the same refrain: years of loyal service met with broken promises. From unpaid pensions to short payments to outright exclusion from payrolls, these pensioners symbolise a crisis that spans generations and regions. Asked how they have been coping, most of them revealed that they have been dependent on their children. Unfortunately, it was not all the time that their children were able to provide for them because of economic hardship, and for some of them, their children couldn’t be bothered. Speaking on the experience of his members, the chairman of the group, Buraimoh Kasali, noted that what most retirees use their pensions to buy are medications and food. Kasali, who urged the government to pay retirees what it owes them, noted that it was not ideal to owe pensioners who just want to have their basic needs met. Vice chairman of the group, Yele Oludimu, said that with the economic downturn, many of the association’s members have not been finding it easy to feed themselves. “Some have children who have been taking care of them; those who don’t have children who are doing well are left to their fate. They cannot buy food or their drugs,” he lamented. -Younger Nigerians take on the burden of care- Alimot Gambo has written the 2024 West African Senior School Certificate Examination and finished her secondary school education, but while she went through these milestones in her young life, her grandfather’s cry for his pension remained a constant and regular interjection in her life and that of her immediate family and anyone who would lend him an ear. Her grandfather, Abubakar Gambo, retired from Kings College in Lagos as a security man in 2006. His last salary was N35,000. Since he started receiving his pension, he has been paid N25,000, but it was recently increased to over N30,000. However, he has not been paid for months now. Gambo, who lives in the Berger/Ojodu area of Lagos, has been dependent on his two daughters, one who is a petty trader selling pure water and another who is a fashion designer. Although they try their best to provide for his needs, he still asks every one of his family members about his benefits. His daughter, Fatima Rahman, who also spoke with The PUNCH , said, “I have been doing petty trading, selling pure water, and my junior sister is the fashion designer. He’s disturbing us about his money. He said, ‘Christmas is here, and you people promised that my money would be paid by now; is it not yet time?’” However, for Alimot, our first respondent spoke about her grandpa’s unpaid benefits, his experience is not a deterrent to wanting to work with the government, but she wouldn’t want to live the same way. “He has been living with my aunt (his daughter) for years, and she’s the one sponsoring him. He has not received any money for a while now. He has just been going and coming with no results. I will be happy that whenever I start any work, it will have a pension attached, so at the end, I will also have a pension and not experience what my grandpa is going through,” she said. The PUNCH correspondent first met Nkoyo Sereke in August at the meeting of the Concerned Federal Pensioners. She had come to the meeting armed with some documents that would facilitate her dad’s monthly pension, which had not been paid since February. Speaking with her in December, Sereke said that her 83-year-old dad had still not been paid. Her dad is Enenyi Edet, a retiree from the Ministry of Finance (Treasury Department). He was employed in 1961, his appointment confirmed in 1963, and he retired in April 1978. Mr. Edet has been ill in recent times but is recovering. He currently has a part-time care giver who is paid N25,000 and a physiotherapist who comes in three times a week, with each session costing N10,000. “We employed a part-time care giver that we pay N25,000 monthly plus breakfast and lunch. When my dad was ill, we had to pay to bear the cost of fuelling the ambulance to take him from the hospital, amongst all other bills. I employed a part-time home help for N15,000 plus two meals a day. About two months ago, I was told that he fell, which is very risky for someone his age. My dad is getting better but needs to wear a high adjuster device to help reinforce his bone density in the affected area. Feeding cost is there, and the cost of running the home, e.g., power, gas, is about N70,000,” Sereke said. How much is her dad’s pension? She said, N30,000 per month. “We are looking at about N200,000, just small money. My dad has been ill. He’s getting better, but he keeps asking about his pension. I just tell him, ‘You know what? You should thank God that without the pension, you are fine.’ That he has children who can take care of him. But that pension ‘waka,’ I will not do it again apart from checking with the man (Vice Chairman of the Concerned Federal Pensioners) on the phone. I’m tired. I would spend so much to come there, and nothing comes out of it. I just chat with him once in a while whenever my dad won’t stop asking about it. “It is not the amount of the pension that he’s upset about but that he’s not getting his dues,” she lamented. On how her dad’s experience has impacted her, Sereke said, “I have never worked for the government and will never. The only time I worked for the government was during my service, and it was because I didn’t get a private sector placement. I have always worked for private organisations and had my pensions paid. Of all of us, my elder brother worked with the government, but every one of us has worked with private organisations. “Sometimes, when you are experiencing something or staying in an environment, you might be making choices that you don’t know are because of that. With what I saw with my dad, I just knew there was no way I could take that route. Even while working with private companies, I had interacted with government parastatals, apart from maybe NCDMB (Nigerian Content Development and Monitoring Board). Because of the kind of work that I do, every other one, you go to their offices and it is 30 years backwards. Where I worked, we had a cooperative where I served as the secretary for five years. When we go to the Ministry of Agric, we don’t see anybody in the afternoon. I know that I cannot function in that kind of place. Besides the fact that I want to make money, I also want to make an impact. I want to solve problems. Not that at 11 am, I’m leaving to do small chops business, drive Uber, or just go home and sit down. “And what about the process of getting to work for the government? I know that with my dad’s experience, I can save for my future better than the government can, and I’m not joking,” she asserted. Sereke noted that she always tries to dissuade him from focusing on his unpaid pension. “I try to encourage him not to bother about his pension, but you know that feeling about something that you have worked for and what you have been promised upfront; that’s what this is about. Not that the money would do so much,” she noted. Soji Oloyede, who retired from a subsidiary of the Bank of Industry, lamented that the ill-treatment of pensioners was rampant in the public sector and worse at state levels. “For the private sector, there is compliance in terms of remittance. An employer cannot withhold the contributions of the employee, so by the time the person is retiring, his or her contributions will be up to date at the Pension Fund Administrator. It is better in the private sector because you don’t have to go from one ministry to another, and I think with the National Pension Commission, the whole documentation process can be completed within a month,” he said. Reiterating the poor treatment of retirees by government entities, Oloyede said, “The issue of delayed payment mostly affects the public sector. My wife retired in January 2024. She worked with a federal agency, the National Bureau of Statistics. Till now, she has not collected a dime of her pension. She has done all the processing, but the funds have not been released. “The challenge is mostly on the government side, and for the state governments, it is worse. Go to some states, and you will find that retirees haven’t received anything for three years, and it is because they were not remitting the deductions to the PFAs at the right time. When the employee is retiring, they will now be talking about raising vouchers.” Oloyede, who is an annuitant, lamented that he has become part of his wife’s retirement package pending when the government pays what it owes. “I use an annuity because the monthly pension provided by the insurance company is higher than what the PFA is giving,” he said. Related News Lagos pledges support for pensioners Ogun pensioners hail Abiodun over N20,000 wage hike Pensioners slam Kwara's new minimum wage policy for excluding retirees Asked how his wife is coping, Oloyede said, “She has a husband now. Am I not her husband? Assuming I don’t have anything else I’m doing or she doesn’t have someone or something to fall back on, how do you think our lives would be? I’m a retiree; my wife is a retiree; the only thing is we have worked and have tried to keep some savings. My pension is not enough. It is not even up to one-third of my last salary.” Alternative retirement plans Chike Smart, a businessman selling cosmetics inside Tradefair along the Lagos-Badagry Motorway, told The PUNCH that relying on a pension is “old school.” Smart, who is in his late 40s, said, “I invested my money on land in South-East. That is my pension plan. With the level of uncertainty in this country, if anything happens, I can sell my land in South-East and start another business or feed off it. Every two years, the value of the land will appreciate. That is where I’m keeping my money for my retirement. “Even for my children, instead of saving money for them in the bank, I use it to buy land for them, and I don’t plan for any of them to have their university education in Nigeria. They will go overseas, study, and live there. That is my retirement plan, too, but a pension is not for me at all. Imagine waiting for a pension in this day and time. No, it’s old school.” He added that he had never worked in the formal sector, so a pension was not an option for him. A description of the micro pension scheme for the informal sector also failed to elicit any interest from him. Chinyere Okorie, 52, who sells cello tapes, post-it notes, and carrier bags at the Tradefair market, revealed that her business and her children were her retirement plans. “When I’m old and can no longer work as I used to, I will hand this business over to my children. The profit from the business and whatever my children give me will be what I will be using to do one or two things,” she said. For 24-year-old Chinenye Amadi, a sales girl, retirement is not even on her radar. She said that she has not even done much with her life, so why would she think about retirement? She also didn’t know about the contributory pension scheme or the micro pension scheme, which may be of benefit to her as a player in the informal sector. A lecturer at the Lagos State University, Dr. Olalekan Hassan, said being dependent on pensions alone in his old age was not an option for him. He added that academics were moving to the Nigerian University Pension Management Company Limited, which is the licensed pension fund administrator for the Nigerian University System, maintaining that they offer a better deal for retiring academics compared to other PFAs. He said, “I cannot depend on a pension. Anyways, academics are moving to NUPEMCO. The benefit I see from where I work is that when one or two of our professors retire, they could get a substantial amount to do something tangible. It is like the regular contributory scheme, but it is specialised. ASUU fought for it during one of these strikes. One of the arguments for it was that our people suffer when they retire because they don’t have access to funds, just the monthly payment. With the lump sum they have access to, they can do something, and the other 50 per cent can be staggered over the years.” Younger for longer According to the United Nations, Africa has the youngest population in the world, with 70 per cent of sub-Saharan Africa under the age of 30. The Worldometer on Monday, December 23, 2024, put the current population of Nigeria at 234,980,186 based on its elaboration of the latest United Nations data. Nigeria’s 2024 population was estimated at 232,679,478 people at mid-year. The median age is 17.9 years with a life expectancy of 54.6 years. Experts within the country and outside have often harped on the fact that the Nigerian population would be younger for longer and called for the empowerment of the younger generations to realise their best potential. Meanwhile, the second quarter report from PenCom showed that new registrations to the Contributory Pension Scheme (in the quarter) were 100,063, which brought the total number of Retirement Savings Account Holders to 10,381,019 as of June 2024. A breakdown by age and gender indicated that out of the 100,063 registrations, 83.05 per cent were active contributors below the age of 40 years. Of this number, 12,838, or 12.83 per cent of the new registrations, were between 40 and 49 years old. According to PenCom, this trend, repeated in previous quarters, points to the increasing sustainability of the CPS, as the younger generation is actively enlisted in the scheme. As of October 2024, RSA registrations had increased to 10,535,608. Premised on the remodelling of the micro pension scheme and adoption of technology, the Director-General of PenCom, Omolola Oloworaran, is looking at the possibility of increasing the number of RSA holders to 20 million. At the 2024 PenCom Media engagement in Lagos, Oloworaran said, “What we want to do is remodel the micro pension plan and let it speak to individuals in the informal sector directly, so whether you are a farmer, fashion designer, gatekeeper, etc., we will be meeting their needs with the products that will be coming out, and I’m sure we will be able to get more people in. In addition to rebranding, we are also looking at the technology that can work for us. The numbers we are looking at are enormous. Right now, we have over 10 million contributors under the CPS in the formal sector, but under the informal sector, we have tens of millions of people. “Based on the last numbers I saw; it was north of 70 million. If we can drive this micro pension, I expect us to go up to 20 million Nigerians getting on the scheme, and the only way we can do that is with technology. It is a lot of work we are going to do on that and working with the operators so that we can ensure that between now and next year, we have more contributors.” Pension in Sub-Saharan Africa A lecturer at the University of Nairobi, Kenya, Owen Nyang’oro, in a 2022 study for the United Nations University on pension funds in sub-Saharan Africa, found that the pension systems in SSA were characterised by low coverage and participation rates, and they, therefore, failed to guarantee a basic income to the elderly. “The contributory nature of most private pension schemes is also not favourable in SSA due to high levels of informality and low levels of income, which limit contributions, and because such schemes do not promote risk-sharing and redistribution. Pension reforms in regions such as Latin America have not been overly successful, and this offers lessons for SSA countries. The pension sector in SSA is characterised by low assets under management, investment in short-term assets (mainly government securities), low returns on investment, and restrictive regulatory frameworks. “The way out for SSA is to move towards a targeted universal pension system financed through public resources; however, the shift to such a system should be gradual so as not to lead to fiscal strain,” part of the abstract of the study read. In a piece on the study published in The Conversation Africa, it was also indicated that less than 10 per cent of the workers in sub-Saharan Africa save for old age, the lowest rate for any region in the world. This suggests that many of today’s breadwinners may struggle to afford essential items upon retirement. A 2014 report by the International Labour Organisation said that in sub-Saharan Africa, about 16.9 per cent of older persons receive an old-age pension, which would provide him or her with a certain level of income security during old age. The report said that effective coverage ratios are around 5.9 per cent of the working-age population in sub-Saharan Africa due to the high proportion of informal employment in sub-Saharan Africa. As a result, only 8.4 per cent of the labour force contributes to pension insurance and earns rights to a contributory pension. Thus, leaving a significant portion of the population outside of the formal pension scheme. Regulators take The DG of PenCom also revealed that efforts were being made in collaboration with the Ministry of Finance to ensure prompt payment of retirees. “We are working on an initiative with the Ministry of Finance, and before the end of the year, that should come to fruition. The first set of people that should be getting paid at all in government should be contributors under the CPS because they have contributed. For me, it is a lasting solution. We are working with the government to ensure that once you are retired, within a month, you should get your benefits, and I’m optimistic that we should be able to achieve it,” she said. Also speaking at the media engagement, the Head of Benefits and Insurance Department at PenCom, Obiora Ibeziako, shed light on some of the challenges faced by retirees in terms of how much they get monthly. “The government was expected to have paid the lump sum at the start of the new pension regime, and if the government hasn’t paid, it means that the person has lost that income for 20 years.” Now, if you check your RSA statement, the income at retirement or even presently, for those who have worked for 15 years and above, the income recorded by the PFAs is about 40 to 45 per cent of our RSA balance. This is just to explain the magnitude of income that the person has lost because their employers weren’t remitting pension contributions when due. So, when these people retire, their RSA balance is very low; it cannot give them a good monthly pension and cannot give them a good lump sum,” he asserted. While there is a need to bring in more of the working population into the pension scheme, calls have been made, seeking a better deal for those in it. Echoing this call, a retiree, Oloyede, maintained that the pension is often not enough for pensioners and that they deserve a better deal than they are getting. “The truth of the matter is the pension cannot take care of the pensioner. The old people are still part and parcel of society. They have contributed even to the development of the country when they were young, so automatically, whether it is the public or private sector, they should be thinking that the elderly are also part of society and act accordingly. He said, “This is something that the media should be pushing because it is going to affect everyone eventually. In most of the developed countries, the elderly are not worrying about what to eat or drink because there is provision for them. Some of them even dispose of their property or will it to charity, and they are living. One day, I pray that our society will get to that stage where the leadership will be able to think holistically and those at the lower level of government will begin to think positively about citizens’ welfare. Life for the pensioner is not very easy, and it is worse in the public sector,” he affirmed.Jimmy Carter: A brief bio
Manchester United fans look back fondly on the Sir Alex Ferguson era at Old Trafford, especially given the club's dramatic fall from grace since the iconic Scot retired. British football's most successful manager called time on his trophy-laden career in 2013 after spending 27 years at Old Trafford, during which time he won 38 major trophies. Ferguson knew how to transform some of the best young talent from the club's youth academy into world superstars. He oversaw the development of David Beckham , Ryan Giggs and Paul Scholes , who became three of the best players in Premier League history. Many high-profile signings were made during Ferguson's reign, helping him continuously dominate English football. Rival fans grew irritated seeing the Premier League's most entertaining and formidable forwards head to the 13-time champions. One of those was a tricky 22-year-old Argentinian attacker named Carlos Tevez , who joined the Red Devils from West Ham United in 2007 on a two-year loan deal. He quickly became a fan favourite at the Theatre of Dreams, winning the UEFA Champions League , two Premier League titles, the FIFA Club World Cup, and the League Cup twice. Yet, the fairytale move many anticipated ended in tears as Tevez and Ferguson came to loggerheads. Instead of making the loan deal permanent, the feisty forward made a controversial move to then-noisy neighbours Manchester City . This is the story of the 76-cap Argentina international's unceremonious exit told from his perspective. The former Man United striker has refused to get cosmetic surgery as the neck scars and mangled teeth pay homage to his humble Buenos Aires upbringing Carlos Tevez's trust issues with Ferguson laid bare Tevez joined Manchester United off the back of helping West Ham avoid relegation and carried his impressive Hammers form to Old Trafford. He was part of a frightening attack that boasted Wayne Rooney and Cristiano Ronaldo as the Reds marched towards Champions League glory. Ferguson didn't rest on his laurels and further bolstered his attack with the addition of Dimitar Berbatov from Tottenham Hotspur in September 2008. That transfer occurred a year into Tevez's United spell and brought with it trouble because of the Scot's apparent promises. Tevez delved into his departure and how he felt hurt by the events. He told ESPN (via TyC Sports ): I didn’t have to think about it too much because I was angry with Ferguson. As a coach he’s a phenomenon, he was at a club like United for such a long time. But I had a situation with him. The Argentinian ace suggested there was a lack of movement in talks over making his loan move permanent despite Ferguson initially stating the club's intentions to do so: (He told me) we’re going to buy you, but I’m going to bring [Dimitar] Berbatov. Don’t worry, I’m going to bring him to compete with you. But we’re going to talk to your agent to agree on the contract and the transfer. (But) they didn’t call my agent, nothing. Time was passing. They started to want to lower my price. I was performing every time I came on and people started to shout my name. It was a year-long process of eating it up. Tevez grew frustrated with the situation and agreed to move to arch-rivals Manchester City before United's 2-0 defeat to Barcelona in the 2009 Champions League final: I had more or less agreed with the Sheikh that after the game, I would take a private plane, go with my family to Abu Dhabi to meet him and to settle the contract with City, all before the final with United. It was like a dagger for him (Ferguson). And for me too, because I loved United. But for me he didn’t deliver all year, he made me suffer. It hurt me a lot, because I loved United. During his illustrious reign, Tevez's contentious exit wasn't the first high-profile falling out between a player and Ferguson. There was a running theme of world-class superstars making way because of issues with the 82-year-old. Tevez's two-year spell at Old Trafford was a success, with the versatile striker scoring 34 goals and making 14 assists in 99 games. However, the circumstances of his departure and his decision to join City upon their journey towards claiming power in Manchester will forever mar his Red Devils stint. From Sergio Aguero to Alisson Becker, there have been plenty of South American talents in the Premier League. Tevez's troublemaking led to rift with Roberto Mancini Tevez enjoyed four years at City after permanently switching to the Blue side of Manchester for £25.5 million in 2009. He was one of the biggest names to join the Cityzens at the start of Sheikh Mansour bin Zayed Al Nahyan's ownership, which would lead to unimaginable success. A massive poster of Tevez celebrating with the caption 'Welcome to Manchester' was produced in Manchester city centre. He'd make 148 appearances, register 73 goals and 32 assists, and win the Premier League title at United's expense. However, trouble in paradise arrived in 2011 when Tevez clashed with ex-City boss Roberto Mancini . He refused to come on as a substitute in a 2-0 loss away to Bayern Munich in the Champions League. The Italian ripped into the Argentinian for a perceived lack of professionalism (via Sky Sports ): If I have my way he will be out of the club. He just refused to go on. I don't know why. I cannot be happy with this situation. Would something like this happen at Bayern Munich, AC Milan or Manchester United? Tevez missed six months of action with City due to his indiscipline, which he put down to miscommunication. He was reinstated into Mancini's team the following season but left the Cityzens for Serie A giants Juventus in July 2013. Cristiano Ronaldo, Raheem Sterling and Paul Scholes all refused to play for their clubs at one stage. All statistics courtesy of Transfermarkt as of 20/11/2024.WASHINGTON — The FBI should have done more to gather intelligence before the Capitol riot, according to a watchdog report Thursday that also said no undercover FBI employees were on the scene on Jan. 6, 2021, and that none of the bureau's informants was authorized to participate. The report from the Justice Department inspector general's office knocks down a fringe conspiracy theory advanced by some Republicans in Congress that the FBI played a role in instigating the events that day, when rioters determined to overturn Republican Donald Trump's 2020 election loss to Democrat Joe Biden stormed the building in a violent clash with police. The review, released nearly four years after a dark chapter in history that shook the bedrock of American democracy, was narrow in scope, but aimed to shed light on gnawing questions that have dominated public discourse, including whether major intelligence failures preceded the riot and whether the FBI in some way provoked the violence. Rioters loyal to Donald Trump gather Jan. 6, 2021, at the U.S. Capitol in Washington. The report offers a mixed assessment of the FBI's performance in the run-up to the riot, crediting the bureau for preparing for the possibility of violence and for trying to identify known "domestic terrorism subjects" who planned to come to Washington that day. But it said the FBI, in an action the now-deputy director described as a "basic step that was missed," failed to canvass informants across all 56 of its field offices for any relevant intelligence. That was a step, the report concluded, "that could have helped the FBI and its law enforcement partners with their preparations in advance of January 6." The report found 26 FBI informants were in Washington for election-related protests on Jan. 6, including three who were tasked with traveling to the city to report on others who were potentially planning to attend the day's events. While four informants entered the Capitol, none were authorized to do so by the bureau or to break the law, the report said. Rioters storm the West Front of the U.S. Capitol on Jan. 6, 2021, in Washington. Many of the 26 informants provided the FBI with information before the riot, but it "was no more specific than, and was consistent with, other sources of information" that the FBI acquired. The FBI said in a letter responding to the report that it accepts the inspection general's recommendation "regarding potential process improvements for future events." The lengthy review was launched days after the riot as the FBI faced questions over whether it had missed warning signs or adequately disseminated intelligence it received, including a Jan. 5, 2021, bulletin prepared by the FBI's Norfolk, Virginia, field office that warned of the potential for "war" at the Capitol. The inspector general found the information in that bulletin was broadly shared. FBI Director Chris Wray, who announced this week his plans to resign at the end of Biden's term in January, defended his agency's handing of the intelligence report. He told lawmakers in 2021 that the report was disseminated though the joint terrorism task force, discussed at a command post in Washington and posted on an internet portal available to other law enforcement agencies. "We did communicate that information in a timely fashion to the Capitol Police and (Metropolitan Police Department) in not one, not two, but three different ways," Wray said at the time. FBI Director Christopher Wray speaks March 11 during a hearing of the Senate Intelligence Committee on Capitol Hill in Washington. Separately, the report said the FBI's New Orleans field office was told by a source between November 2020 and early January 2021 that protesters were planning to station a "quick reaction force" in northern Virginia "to be armed and prepared to respond to violence that day in DC, if necessary." That information was shared with the FBI's Washington Field Office, members of intelligence agencies and some federal law enforcement agencies the day before the riot, the inspector general found. But there was no indication the FBI told northern Virginia police about the information, the report said. An FBI official told the inspector general there was "nothing actionable or immediately concerning about it." A cache of weapons at a Virginia hotel as part of a "quick reaction force" was a central piece of the Justice Department's seditious conspiracy case against Oath Keeper leader Stewart Rhodes and other members of the far-right extremist group. Trump supporters, including Douglas Jensen, center, confront U.S. Capitol Police on Jan. 6, 2021, in the hallway outside of the Senate chamber at the Capitol in Washington. The conspiracy theory that federal law enforcement officers entrapped members of the mob has been spread in conservative circles, including by some Republican lawmakers. Rep. Clay Higgins, R-La., recently suggested on a podcast that agents pretending to be Trump supporters were responsible for instigating the violence. Former Rep. Matt Gaetz, R-Fla., who withdrew as Trump's pick as attorney general amid scrutiny over sex trafficking allegations, sent a letter to Wray in 2021 asking how many undercover agents or informants were at the Capitol on Jan. 6 and if they were "merely passive informants or active instigators." Wray said the "notion that somehow the violence at the Capitol on January 6 was part of some operation orchestrated by FBI sources and agents is ludicrous." Rioters scale a wall at the U.S. Capitol on Jan. 6, 2021, in Washington. (AP Photo/Jose Luis Magana) Supporters loyal to then-President Donald Trump attend a rally on the Ellipse near the White House on Jan. 6, 2021, in Washington. (AP Photo/Julio Cortez) Trump supporters participate in a rally in Washington on Jan. 6, 2021. (AP Photo/John Minchillo) Trump supporters participate in a rally Jan. 6, 2021, in Washington. (AP Photo/John Minchillo) Then-President Donald Trump gestures as he arrives to speak at a rally in Washington, on Jan. 6, 2021. (AP Photo/Jacquelyn Martin) People listen as then-President Donald Trump speaks during a rally Jan. 6, 2021, in Washington. (AP Photo/Evan Vucci) Supporters of then-President Donald Trump try to break through a police barrier at the Capitol in Washington on Jan. 6, 2021. (AP Photo/Julio Cortez) A supporter of then-President Donald Trump is injured during clashes with police at the U.S. Capitol, Jan. 6, 2021, in Washington. (AP Photo/Julio Cortez) A rioter pours water on herself at the U.S. Capitol on Jan. 6, 2021, in Washington. (AP Photo/Jose Luis Magana) A Trump supporter holds a Bible as he gathers with others outside the Capitol, Jan. 6, 2021, in Washington. (AP Photo/John Minchillo) Trump supporters try to break through a police barrier, Wednesday, Jan. 6, 2021, at the Capitol in Washington. (AP Photo/John Minchillo) A demonstrator supporting then-President Donald Trump, is sprayed by police, Jan. 6, 2021, during a day of rioting at the Capitol.(AP Photo/John Minchillo) Rioters try to enter the U.S. Capitol on Jan. 6, 2021, in Washington. (AP Photo/John Minchillo) U.S. Capitol Police try to hold back rioters outside the east doors to the House side of the U.S. Capitol, Jan 6, 2021. (AP Photo/Andrew Harnik) Rioters gather outside the U.S. Capitol in Washington, on Jan 6, 2021. (AP Photo/Andrew Harnik) Protesters gather outside the U.S. Capitol, Jan 6, 2021. (AP Photo/Andrew Harnik) Jacob Anthony Chansley, center, with other insurrectionists who supported then-President Donald Trump, are confronted by U.S. Capitol Police in the hallway outside of the Senate chamber in the Capitol, Jan. 6, 2021, in Washington. Chansley, was among the first group of insurrectionists who entered the hallway outside the Senate chamber. (AP Photo/Manuel Balce Ceneta) U.S. Capitol Police hold rioters at gun-point near the House Chamber inside the U.S. Capitol on Jan. 6, 2021, in Washington. (AP Photo/Andrew Harnik) Lawmakers evacuate the floor as rioters try to break into the House Chamber at the U.S. Capitol on Jan. 6, 2021, in Washington. (AP Photo/J. Scott Applewhite) Police with guns drawn watch as rioters try to break into the House Chamber at the U.S. Capitol on Jan. 6, 2021, in Washington. (AP Photo/J. Scott Applewhite) Congressmen shelter in the House gallery as rioters try to break into the House Chamber at the U.S. Capitol on Jan. 6, 2021, in Washington. (AP Photo/Andrew Harnik) Members of Congress wear emergency gas masks as they are evacuated from the House gallery as rioters try to break into the House Chamber at the U.S. Capitol on Jan. 6, 2021, in Washington. (AP Photo/Andrew Harnik) The House gallery is empty after it was evacuated as rioters try to break into the House Chamber at the U.S. Capitol on Jan. 6, 2021, in Washington. (AP Photo/J. Scott Applewhite) Rep. Andy Kim, D-N.J., cleans up debris and personal belongings strewn across the floor of the Rotunda in the early morning hours of Jan. 7, 2021, after rioters stormed the Capitol in Washington. (AP Photo/Andrew Harnik) Members of the DC National Guard surround the U.S. Capitol on Jan. 6, 2021, in Washington. (AP Photo/Julio Cortez) Vice President Mike Pence and Speaker of the House Nancy Pelosi, D-Calif., read the final certification of Electoral College votes cast in November's presidential election during a joint session of Congress after working through the night, at the Capitol in Washington, Jan. 7, 2021. (AP Photo/J. Scott Applewhite, Pool) A flag hangs between broken windows after then-President Donald Trump supporters tried to break through police barriers outside the U.S. Capitol, Jan 6, 2021. (AP Photo/John Minchillo) A flag that reads "Treason" is visible on the ground in the early morning hours of Jan. 7, 2021, after rioters stormed the Capitol in Washington. (AP Photo/Andrew Harnik) An ATF police officer cleans up debris and personal belongings strewn across the floor of the Rotunda in the early morning hours of Jan. 7, 2021, after rioters stormed the Capitol in Washington. (AP Photo/Andrew Harnik) Fencing is placed around the exterior of the Capitol grounds, Thursday, Jan. 7, 2021 in Washington. The House and Senate certified the Democrat's electoral college win early Thursday after a violent throng of pro-Trump rioters spent hours Wednesday running rampant through the Capitol. A woman was fatally shot, windows were bashed and the mob forced shaken lawmakers and aides to flee the building, shielded by Capitol Police. (AP Photo/John Minchillo) Stay up-to-date on the latest in local and national government and political topics with our newsletter.Fairfield 72, Wake Forest 65
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In recent weeks, rumors have swirled in the football world about a 32-year-old attacker who is reportedly willing to join FC Barcelona as a free agent. The prospect of adding a seasoned player to the squad has ignited both excitement and skepticism among fans and analysts alike. The question on everyone's mind is whether this aging attacker is truly the right fit for a club like Barcelona known for its emphasis on youth and high-intensity football.The Sanctum Duo, consisting of two renowned Chinese badminton players, have captured the hearts of fans around the globe with their sensational performances on the court. Their synergy is truly remarkable, as they seamlessly anticipate each other's moves, complementing their strengths and covering each other's weaknesses. This level of synchronization is what sets them apart from the rest, making them a force to be reckoned with in the badminton world.
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