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Corruption in Nigeria: Review, Causes, Effects and Solutions
Corruption is Nigeria's biggest challenge. It is clear to every citizen that the level of corruption in the country is high. It's found in every sector of society. Be it a small or big sector, there is every possibility of observing corrupt practices when critically examined.
What is corruption? It's the dishonest or fraudulent conduct by those in power, typically involving bribery. It is the illegitimate use of power to benefit a private interest (Morris 1991). Corruption is the giving of a bribe to an official so that the truth will not be told. It involves the embezzlement of public fund for personal use and any act which is considered to be criminal act according to the law of a particular society.
Corruption is potent cancer that has mercilessly eaten Nigeria to a state of stupor-Professor Peter U. Nwangwu.
Review on the Corrupt State
Nigeria, which is the most populated country in Africa, has been ranked high in corruption by Transparency International and other notable organizations that monitor corrupt practices around the world. They do not have anything good to say about Nigeria at all. High corruption rankings affect almost all Nigerians who migrate to foreign countries, as foreigners have the perception that since Nigeria is corrupt, so are all Nigerians.
In the year 2000, Transparency International carried out a survey on the corruption levels of 90 countries, including Kenya, Cameroon, Angola, Nigeria, Côte-d'Ivoire, Zimbabwe, Ethiopia, Ghana, Senegal, Zambia, India, Venezuela, Moldova, and others. At the end of the ranking, Nigeria was seen as the most corrupt in that ranking because the country occupied the 90th position in terms of transparency. Nigeria was the most corrupt country in the year 2000.
In 2001, Nigeria was ranked the second-most corrupt nation in the world out of 91 countries, falling only to Bangladesh. This shows that corruption in Nigeria improved by one step when compared with that of 2000.
Still from the same source, in the year 2002, Nigeria has again ranked the second-most corrupt country in the world, after the organization surveyed 102 countries. Nigeria was seen at the bottom, occupying the 101st position in terms of Confidence Interval (CI).
In 2003, Nigeria received the same ranking, making no improvements from 2003.
2004's ranking showed a little improvement when compared to the past four years. Nigeria was ranked the third most corrupt country in the world in that year, performing better than Bangladesh and Haiti. That year, 146 nations were surveyed.
The record on the corruption in Nigeria really improved in 2005. The number of countries surveyed by the Transparency International was 158. Nigeria was ranked eighth most corrupt.
More countries were surveyed by Transparency International in 2006. 163 countries were surveyed that year. The results showed some improvement, and Nigeria was ranked the 21st most corrupt country in the world. Haiti was the world's most corrupt nation that year.
Among the 180 countries surveyed in 2007, Nigeria ranked 147 on the table along side with Angola and Guinea-Bissau. This result shows that Nigeria was 33rd most corrupt country in the world.
An analysis of the anti-graft/anti-corruption laws in Nigeria shows that corruption will continue in spite of the law because the perpetrators do not fear any consequences (Oyinola 2011).
In 2012, Transparency International again deemed Nigeria one of the most corrupt nations in the world again (Uzochukwu 2013). In that year, the country ranked 139th out of the 176 surveyed countries, making Nigeria the 37th most corrupt nation.
In 2013, Nigeria ranked 144 out of 177 surveyed countries in terms of transparency. The score made Nigeria 33rd most corrupt country in the world that year. The result published by the organization also showed that Nigeria scored 25% out of 100 in terms of transparency.
In the 2014 ranking, Nigeria is ranked 136 out 174 surveyed countries (Transparency International 2014). The result shows that there is an improvement, though things are still bad. Nigeria was the 38th most corrupt country in the world in 2014.
With the emergence of a new government in the year 2015, many Nigerians were having great faith that corruption in the country will be minimized. In that year, power left the hands of People's Democratic Party (PDP) to All Progressive Congress (APC). One of the campaign promises made by the present President Muhammadu Buhari was the massive eradication of corruption in the country. Irrespective of the campaign promises, Nigeria ranked low in transparency and high in corruption in that year. In the year 2015, out of the 168 countries surveyed, Nigeria was seen at the bottom of the table in the category of number 136. This implies that Nigeria was the 32nd most corrupt country in the world in 2015.
Over two-thirds of the 176 countries and territories surveyed in the 2016 year index fall below the midpoint of Transparency International scale of 0 (highly corrupt) to 100 (very clean). In that year's survey, Nigeria sat at number 136 on the table with Guatemala, Kyrgyzstan, Lebanon, Myanmar, and Papua New Guinea. From calculation, it shows that Nigeria and the mentioned countries were ranked 40th most corrupt in 2016.
In the year 2017, there was no remarkable improvement in transparency in the country. Irrespective of the promise made by the current president to fight corruption, it appears that the former President Goodluck Jonathan did quit better than him when compared with his result of 2014 before he left the presidential seat. It is very disappointing that in the latest Corruption Perception Index released by Transparency International today, Nigeria has relapsed deeper into corruption and has moved 12 steps backwards from 136 to 148 (Vanguard news 2018) in respect to 2014 result.
Nigeria failed when it came to transparency in the country. By contrast, in 2013, Denmark and New Zealand scored highest at 91% each, meaning the countries are clean and have higher Confidence Intervals than Nigeria. In the other words, Nigeria is highly corrupt.
Corruption in Nigeria wears many kinds of unattractive and dirty clothes. The situation has made so many people feel a lot of pains as the money which would have been used to reduce poverty in the country are being channeled into the pockets of a small group of persons.
What can we say about the $2.1 billion arms deal? The money which was budgeted for the purchase of arms in the fight against Boko Haram insurgency group in the country all of a sudden disappeared. Whether the fund developed legs and ran away is what the Federal Government of Nigeria could not explain to the citizenry.
The stain of corruption did not spare anti-graft agencies as former Chairman of the Economic and Financial Crimes Commission, EFCC, Ibrahim Lamorde, was accused of fraudulently diverting over N1tn proceeds from corruption recovered by the agency (Adeyemi 2016). This is incredible as those who were appointed to fight corruption in the country are also found as the victim of the same problem they fight. That is to say, that trust is difficult in the country.
Corruption is not only experienced among the Presidents of the country because many governors have been found guilty of it. It is like a disease that spreads from mother to children. The News Agency of Nigeria (NAN) reports that Nyako, the former governor of Adamawa and seven others, including companies, are standing trial before Justice Okon Abang on a 37-count charge bordering on money laundering. The news was published on December 1, 2016 (Pulse 2016). The governor opened 30 different accounts in Zenith bank of Nigeria using different names whose aim is to siphon funds. Among the offenses tendered against the ex-governor are a criminal conspiracy, abuse of office, an opening of multiple bank accounts and stealing to the tune of N29 billion (twenty-nine billion naira).
The former president of the country, Olusegun Obasanjo, on November 24, 2016, while speaking at the first Akintola Williams Annual Lecture in Lagos, reacted negatively on the level of corruption going on among the members of the House of Assembly and House of Representatives. Quoting from the writings of Jola Sotubo "Former President, Olusegun Obasanjo has described the National Assembly as a den of corruption (Jola 2016)". Part of the speech deliver by the ex-president which hammered on the level of corruption among the members of the house has it thus:
"Members of the National Assembly pay themselves allowances for staff and offices they do not have or maintain. Once you are a member, you are co-opted and your mouth is stuffed with rot and corruption that you cannot opt out as you go home with not less than N15 million a month for a senator and N10 million a month for a member of the House of Representatives".
According to Lewis Obi, the National Assembly is nothing but a business enterprise and the primary objective of the members is to make money for themselves. He went further as he explained that the National Assembly of the country is the highest paid legislature in the world. The Chamber earns more than that of United States of America and yet American economy is far much better than that of Nigeria. According to the documentation, United States senators make an approximate annual income of $174,000.00 while that of Nigeria is $2,183, 685.00 (reported via Authoritative Economist Magazine). You cannot imagine the degree of disparity between the two.
Faces of Corruption
Corruption takes many forms and can be interpreted by many people in many ways. It is hard to enter any sector in Nigeria without observing one corrupt practice or the other. The areas where corruption is observed are not only in the public sector or in politics. Sincerely, the faces are much.
Political Corruption
Books have been written, people have talked, and press companies have been writing on the high level of corruption in Nigeria politics, yet the political perpetrators pretend as if they are not the people being talked about. They feel they are above the law.
Corruption takes many shapes, starting with embezzlement, bribery, rituals, rigging in elections and so on. In fact, corruption is highest in the political system. In both the Senate and the House of Representatives, corruption is seen as normal. Where do we start among politicians? It is because of the "wicked level" of corruption that makes both the youths and the old struggle to find themselves in one political party or the other. They believe that once they occupy any position in politics, even the smallest, they will use corrupt tricks to fill their pockets with public funds.
Embezzlement of public funds is common. Many leaders have helped boost the economies of other nations by depositing embezzled money in foreign banks. Facts and figures have shown that on many occasions, the men who rule the country have embezzled funds into foreign banks.
Political corruption is persistent in the Nigerian state. Since the creation of modern public administration in the country, there have been cases of official misuse of resources for personal enrichment (Storey Report 2014). After the death of the former president, President Sani Abacha, an investigation was carried out to detect the amount of money he embezzled in gas plant construction in the country. The investigations led to the freezing of accounts containing about $100 million United States dollars (Hector 2004) that he stole. The Abacha administration in the 1990s notoriously loots upwards of $3 billion (Uzochukwu 2013).
As of a few years back, whenever it was time for an election in Nigeria, small children in the country began to go missing. Child-missing during that period was rampant and parents were usually advised to guide and guard their children against ritualists. But why was it like that and what were the children used for? This is another face of corruption that breaks the hearts of mothers. The missing children were used by contesting politicians to perform ritual killings in order to get protections and other devilish powers that will enable them to win elections. This is corruption and wickedness in the highest order because it involves the termination of human life. Those who take part in that practice have their children at home and went on capturing and killing the children of others. It is not as if this has stopped, but it has slowed down.
Election rigging is not an unheard-of phenomenon. During elections, the contestants hire thugs who go around the election polling stations to highjack the ballot boxes. When they steal these boxes, they then use their hands to vote for their candidate. In the recent times, the new tactics that the contestants have adopted are buying voter's cards so that they can manipulate and use the cards for their own advantages.
On many occasions, politicians have bribed some top officials to do wrong things to their favor. Some political leaders, including governors and presidents, have been sued by opponents, but the sued followed the back door, bribing barristers and judges. At the end of the judgment, the leader who bribed won in the case.
Corruption in Universities and Colleges
It is not new to any real Nigerian to hear that corruption parades itself in universities, polytechnics, and colleges. There are certain things that lecturers do that deserve "hot punishment." Most lecturers use the opportunity they have to take advantage of others. Harassment of women by lecturers and pressure to sleep with them is common. The most painful part of it is that some of them are married, yet they are not satisfied. After some of the female undergraduates submit to the lecturer's request, they are rewarded with good grades.
Universities have been crying about a number of funds allocated to them. A lecturer in a university located in Anambra State on the nature of the poor standard of the foundry in the department of Metallurgical and Materials Engineering has this to say: "What makes our foundry to be of a low standard is...corruption. An organization gave the department some money that would have been more than enough to upgrade and standardize the foundry, but I do not know what the management of the department did with the money." Corruption is one of the biggest challenges faced by the education system.
How do some students find their ways into the universities? Some are there not by merit, but through a kind of bribery called sorting. Some rich men in the country bribe vice-chancellors and heads of departments to secure admission for their children. When this kind of dirty practice is conducted, those who would have made it on merit are cheated, as no admission will be offered to them. Every university in Nigeria has a quota (maximum number of students) they can admit each year.
Corruption in the Police Force
Where do we start when it comes to the nature of corruption observed in the police? Do we start with the bribery, intimidation, sexual harassment of the young inmates in the prisons, or turning truths upside down? There is a saying that "police are your friends"; in Nigeria, policemen are your enemies because they can deny the truth and collect bribes to do so. Because of the encounter, many Nigerians have had with policemen, even the good ones among them are generalized as being bad. What a shame.
The police who work in some checkpoints on the expressways cannot do so without collecting of bribes from car owners and drivers. Their interest is to collect money from road users and not to secure the road. Bribes become compulsory even when your particulars are in order. Bus drivers must offer money before they continue with their transportation business, be it fifty naira (₦50 = $0.14) or twenty naira (₦20 = $0.06). The police are now turning to gods that receive money from the worshipper as an offering.
Some women prison inmates went into prisons singled to come out doubled. What this implies is that the policemen use the opportunity they have to assault women who are imprisoned. The women may say no, but because the policemen have guns, the women could not do anything. They were impregnated before they were granted bail. What kind of prayer will erase this kind of abomination?
Corruption in Nigerian Football
Corruption is like a curse laid upon us by an unknown person. Even in football has corruption. Players are not chosen by merit. It is all about who you know in top political offices or society.
In the Nigerian Football Federation (NFF), corruption is the reason why Mr. A is elected as the leader of the group today and tomorrow the election is nullified and Mr. B was chosen. Everybody wants to be at the head so that he will fill his bag with the national cake. People do not fight to work because it is stressful, so whenever people fight for a particular position, there is every possibility that they are there to clean out the organization.
Reports and evidence have shown that there are corrupt practices in Nigerian football. A BBC news report said this: "A senior football official and a club administrator have been banned for 10 years following their involvement in corruption, the football authority has announced" (BBC Sports News 2013). Match-fixing and corruption is a problem in Nigerian football and has lead to sanctions against a number of clubs, referees and officials (Oluwashina 2013).
A referee ( the name was withdrawn) who is currently a Catholic priest serving in a parish in Anambra, once gave his experience on the level of corruption in football. According to the priest, he said that he narrowly escaped death when he officiated a match in the local league. He stated: "After the first half of the match, none of the two sides scored any goal. Before the beginning of the second half, some officials and young youths who were supporting the club at home side came and said to me: if you want to leave this pitch alive, make sure that you do anything possible to see that our club win this match." The young referee was scared of the threat and finally, the home side won the match with a lone goal. The inability of Super Eagles of Nigeria to qualify for 2015 Africa Cup of Nations (AFCON) can be attributed to corruption.
Corruption in Churches
When churches are corrupt, what hope do Nigerians have? The truth is that not all the churches in the country have equal corruption strength. Corruption is witnessed mainly in the "new generation churches." New generation churches in this context are those churches which do not have solid origin or foundation. They are not like Catholic, Anglican, or Orthodox churches. New generation churches are those churches which start when a person who calls himself a pastor goes and rents a room, decorates it, and convinces people to join him, that he has been given powers to summon signs and miracles from God.
Imagine how a man that have been dying of hunger for years claims that you should come to him that he has been called and can transform your financial status. It is the common thing they usually say that make hungry Nigerians yield to their deceptions. The people come and the so-called pastors use their tricks to collect the money that is remaining in the pockets of the poor ones in the country.
Some of the pastors go to the extent of using magical and devilish powers in running their church business in the name of God's power. They give the congregations what they want without them knowing the source of their so-called power. If it is for women who are in search of babies, the babies may be given to them through devilish powers but continue to cause headaches to the children's parents till death. Today, one of the children will steal money from a bank through armed robbery and tomorrow kill an innocent person, operating under the influence of the devil.
Pastors have on many occasions been caught in adultery and fornication. It is not new and it is certain that you as a reader have heard about such shameful acts. Through newspapers, televisions, and other channels, the immoral acts committed by Nigerian pastors have been observed. In early November of 2014, there was a radio program from Blaze FM, Orifite, on a pastor that impregnated an 11-year-old girl. According to the report, the girl was impregnated by the pastor when her mother took her to the pastor's place for prayers, and left for her own business.new generation
Internet Fraud
Fraudulent Internet activity is another face of corruption. Graduates and non-graduates who lacks the knowledge and skills to help them earn money find joy in Internet fraud. It is a criminal act and deserves serious punishment. Among the classes of offences committed in Nigeria, both the Senate and members of House of Representative are working hard to see that those caught in such fraud act face the punishments they deserve without any favour.
Some Nigerians, who are mainly youths, have been scamming their fellow citizens using illegal means. Some host websites online and claim to be giving jobs to job seekers and scam any who fall prey to their tricks. They tell job seekers to make certain payments for processing documents without them knowing that they will not be issued any job. Some Nigerians have been stolen from by cyber criminals.
The level of corruption in Nigeria has made many citizens of the country show no respect to holy and Godly affairs. This is seen in the report given by the spiritual director of Adoration Ministry Enugu Nigeria, AMEN, news report on December 2014. According to the spiritual director, Rev. Father Ejike Mbaka, some Nigerians impersonated him through websites and social media sites, specifically Facebook. He lamented that the bad guys used his picture to deceive people and collect money from them while claiming they were Fr. Mbaka. The notable reverend father made it clear that he is not on Facebook and neither does he own a website with his name. He went further to say that anyone caught in that act will dance ti the music that he or she deserves and the police have been involved to find those criminals out.
Corruption in the Customs Service
Are Nigerian customs really doing the work they are called to do correctly? The customs service of Nigeria is the organization that is authorized to clear goods that are imported into the country. This group is not free from the menace of corruption.
In most occasions, you must pay bribes to customs before your goods are cleared. Many containers that are being held captive by customs because the owners are not willing to pay a large amount of money being demanded.
Causes of Corruption
A number of things cause corruption, and among them are:
- Greed
- Poor youth empowerment
- Poverty
- Unemployment
Greed has caused a lot of crises in the world, including in Nigeria. It is because of greed that political leaders embezzle from the funds they are supposed to use for national development for their own selfish needs.
Poor Youth Empowerment
Poor moral youth empowerment is a contributor to corruption. Internet fraud, sexual harassment by male CEOs, and other bad acts are because Nigerians lack understanding on the importance of youth empowerment. When parents and governments empower youths both financially and morally, the level of corruption among them will diminish.
According to international standards of poverty, a person is said to be poor when he lives under $1.25 (₦210, though it varies) per day. There are many poor people in Nigeria, and poverty pushes them into corruption. According to World Bank Group, in 2004, 63.1% of Nigerians were poor. The poverty level increased in 2010. In 2010, 68% of the Nigerian population were estimated to be poor. A person can take bribes to commit crime because he is poor. It is one of the reasons why the poor youths in the country collect bribes to work as thugs for Nigerian politicians.
Unemployment is one of the major challenges in Nigeria and does not need much explanation because it has broken the hearts of many citizens. People are pushed into corrupt practice because of high unemployment. An unemployed citizen can indulge in corruption to make money and live better.
The youths, fathers and mothers are seriously lamenting on the negative impact of unemployment in their lives. Some said that it is better for death to come and take their lives than suffering under the torment of unemployment challenge in the country. Words cannot explain the level of punishment the citizens of this country are as a result of this menace.
Effects of Corruption
The negative consequences of corruption are many, and among them are:
- Poor investment
- Rise in poverty
- Poor national development
- National crises
Poor Investment
Unemployment in Nigeria would have been eradicated to some extent if only investors were attracted to it. Companies that would have invested in Nigeria are afraid because they do not know if the corrupt practice will ruin their industries in time. Because of this, they refuse to invest in Nigeria.
Rise in Poverty
When the heads of public service are busy laundering the money that is supposed to be used to create employment for the masses and reduce poverty, what happens is that there will be a rise in the poverty level of the country. Just like the rise in poverty as statistically shown between 2004 and 2008. Since the government is selfish and does not want to help the poor, poverty continues to rise in Nigeria.
Poor National Development
Any country with high corruption is likely to experience developmental bankruptcy. A situation where some CEOs indulge in corrupt practices to make their money means that economic development will suffer. When Nigerians keep on shifting the country's currency to foreign countries, there will be less economic development in Nigeria.
National Crises
So many crises in Nigeria today are as a result of corruption. The insecurity in Nigeria brought about by Boko Haram is a consequence of corruption. Corrupt politicians are fighting the government of President Goodluck Jonathan using Boko Haram as their agent because they do not want him to succeed. The attacks by Boko Haram have caused disorderliness in Nigeria and seriously affected the economy of the country.
Eradicating Corruption
Corrupt Nigerians do not truly understand the harm they are causing to other citizens. Corruption can be reduced by these possible remedies:
- Self-Satisfaction
- Institution of strong anti-corruption groups
- Employment generation
- Proper government funding of schools
- Treating all citizens equally
Self-Satisfaction in this context implies being content with what one has. When the leaders of Nigeria are satisfied with the salary they are paid and use them in the right way, the issue of embezzlement and money laundering will be history. Managers who are satisfied with what they are paid will not have time to indulge in corruption to make more money.
Institution of Strong Anti-Corruption Groups
Creating strong anti-corruption institutions is another arsenal to win the fight against corruption. This group is to work independently with the government to ensure transparency. Anyone who is caught in corrupt practice by the group should experience the consequences decided by the anti-corruption agency. That he is a minister or governor of a state should not be an excuse from facing the punishment he is to receive according to the Constitution of Nigeria.
Employment Generation
The unemployed in the country find themselves involved in corruption mainly because they want to make money to meet the demand of the day. Governments and capable hands should endeavour to generate more jobs for citizens to get employed and paid in return. A busy mind may find it difficult to indulge in corruption because he is being paid adequately.
Proper Government Funding of Schools
Understanding the importance of skill acquisition will go a long way to propel them to develop all the schools in Nigeria. When more attention is paid to the tertiary institutions in the country, it will produce graduates who are employable. Installation of the necessary machines needed in universities will help Nigerian graduates acquire skills and use them to generate income, even if no company employs them after graduation.
Self-employment will make graduates more determined in the work they do and will prevent them from corruption like Internet scams, kidnapping and the rest.
Treating All Citizens Equally
Treating any offender in the country equally will help reduce corruption. Nobody is above the law and any who acts contrary to it should be given the punishment that he or she deserves. That she is the Minister of Aviation or Governor of the Central Bank of Nigeria should not count in this case. If any minister or head of state is given the punishment he deserves for corruption, others will learn and separate themselves from any corrupt practice.
Corruption is a cankerworm that has eaten deep into the fabric of Nigeria. Discussed are the many faces of corruption, causes, effects, and the possible solutions. Because of the outstanding nature of this article, it's upgraded version appears in a book "WE THE PEOPLE - Building a New Democracy in Nigeria as a Model for Africa". The upgraded version appears as the chapter five. The book is written by eighteen great authors, get it and read more. The book is displayed after the reference section.
- Adeyemi O. (2016). 10 Biggest Corruption Cases that Shook Nigeria in 2015. Green News Publication, Nigeria
- Danladi (2007). Nigeria Ranks 148 on the 2007 Corruption Perception Index. Naira Land Publication
- 'Jola Sotubo (2016). Senators make N15M monthly, Reps 10M,' Ex-president says. Pulse Nigeria News Publication
- Hector, I. (2004). SKJ SAGA: SWISS GOVT FREEZES $ 100M ACCOUNTS. A Publication of Vanguard, Nigeria
- Morris, S.D. (1991). Corruption and Politics in Contemporary Mexico. University of Alabama Press, Tuscaloosa
- Oluwashina, O. (2013). Nigeria Official Banned for Bribe. BBC Sport News Lagos
- Oyinola, O. A. (2011). Corruption Eradication in Nigeria: An Appraisal. Library Philosophy and Practice
- Pulse News Agency (2016). FG to reveal ex-Gov's 30 bank accounts in court. Pulse Nigeria News Publication
- Reno (2018), Corruption: Shameful under Buhari, Nigeria's moved 12 steps backwards in TI's report, Vanguard news publication on February 22, 2018
- The Storey Report (2016). The Commission of Inquiry into the administration of Lagos Town Council
- Uzochukwu, M. O. (2013). Challenges in Nigeria and Solutions on how to resolve them
- World Bank Group. (2013). Poverty and Equity. World Bank documentation
what are the challenges of corruption in Nigeria ?
am Emmanuel will Nigeria ever be good again...corruption is too much..
Thank you so much for this article! It helped our group to do well in a school presentation. Your points were well illustrated and very easy to understand. Thanks again!
thank you alots may the God of knowledge increase your wisdom
An interesting lectures it really help our research, may God throw more light into mind of Mr Mike.
It really help me in my project a lot kudos sir and it is also an enlightement work for d Nigeria and even to other countries,i really love it and I pray for more wisdom from God
Thanks very much for this writeup, it really helped me in my assignment. More grace to your elbow.
You are highly welcome. Personally How pls?
Nice write up excellent points. Can you be of help with my eassy, on management
Beautiful piece..
I would love to reference your article.
great write up....
very good write up. May God deliver this nation
Thanks for this page it really helped Me with My assignment .I love it .thanks once again
I thank u sir, you really done great .
Thanks a lot sir.
Is only God that will us in higher institutions.
Good job! We need this constant reminder less we suffer institutional memory deficit. It's rather embarrassing and shameful that President M Buhari who rode to power on the mantra of anti-corruption has NOT even scratched the surface, so to speak. If anything, the poor ranking of his administration by Transparency International since 2015 shows that it is more of motion than movement. This country needs a paradigm shift from our old way of fighting the cankerworm of corruption by way of institutional reforms, especially our legal and judicial architecture, otherwise our citizens will continue to wallow in unmitigated misery. 2019 presents another golden opportunity to change the narrative of under-development and under-achievement.
What a wonderful write-up, wow!. Great work sir. I want to believe that corruption is not a thing of a day. Corruption starts from our individual homes where sincerity and self control is missing between husband and wife, parent and their children. That is why it was said that 'charity begins from home". Before a leader is chosen first make enquiries about his family otherwise if you make a man who can not manage his family well a leader and he will not be able to represent his people well. He will not see corruption as anything BAD. Thanks
Kudos to this web. It helped me slot for my assignment. And I promise to be using this app regularly
Thank you so much sir.....u have helped me out in my assignment....sir please I hope u make more of this page... thanks once more nd God bless u....@pearl
Good job and well done sir.
Kudos to your scholarship sir. I'm highly delighted as your work aid my presentation today. Once again I say thank you sir and God bless you with increase in knowledge.
Thanks for helping me with my assignment, it helped alot!
You helped with my assignment alot. Thanks
Thanks very much you have help me with my assignment
corruption bad pls avoid it
Thanks,a lot really helped with my assignment.
corruption is really bad.love this page.
and pls make more of this.
Sir,your write up is beautiful but your recommendations is not strong enough to address the social dust raised above. For me,our leaders are not corrupted but victims of
inherited obnoxious legislation of the colonial masters inherent in our social institutions today.
That's great!!!
Corruption is bad
For as long as the majority of Nigerians find it difficult to access the basic things of life (food, clothing and shelter), they will do whatever it takes to access those things, including graft.
in modern society, those basic things have been modified to include transportation, communications and electric power.
To ease the access to those things, employment opportunities must be there. Right now, the natural resources that Nigeria is endowed with have been cornered by the less than 1% of the population - up front.
If those natural resources have been made to fire industries, and the proceeds then taxed, it would have generated employment opportunities to many Nigerians. What happens is that our natural resources are sold and the proceeds are used to run the government.
Government should only be run by tax receipts and not natural resources. If the politicians and the civil servants decide to steal, it would only affect government and not the entire society.
So tax is very crucial if we have to eradicate corruption and personal tax, though symbolic, is the most important because, "When people pay nothing, they will care nothing".
We need the people to care about who they elect to run government.
Corruption is more deadly than Lassa fever
The eradication of corruption in Nigeria needs to start from the bottom up, not from the top to bottom because so far that approach has not worked but when everyone begins to hold themselves responsible, and start demanding honesty from themselves and others, then I believe we can begin to see effective changes. The younger generation in the country should also starts to demand truth and nothing but the truth from the older generation in the country and everyone in the country should stop blaming the government and our leaders and the economy for this because before Nigeria reached the position that it is in now. it was a group effort and to change it should also be a group effort. The youth should not be shut out of the process of finding a solution to this problem because the problem affects them the most . The youth of the country is also an untapped resource in all matters in the country, not just on finding an effective solution to corruption and until the leaders of the country begins to do that, the youths of Nigeria will continue to work for other nations, giving them their brains, talents and ideas.
thanks for making me aware (awareness)
This is a good attempt for highlighting the causes,effects and solutions to corruption in Nigeria.
I would have like you to go further than this using empirical data to substantiate your assertion.
However,the message is very clear to Nigerian that we should know the next step to take either to kill corruption or corruption should kill us as others said.CHOLLI.
Brother all what u have said are sll correct i appreciate ur effort but my question is how can we eradicate this corruption in Nigeria. Thanks
great job ...really helpful, thnks uzochukwe
Nice bro. Just helped me in my assignment
This is a great write-up and very important to the Nigerian citizens to analyze there future.
Great explanation of the corruption in Nigeria. This level of corruption has unfortunately become accepted among politicians of all kinds due to self interest. Thank you for writing this Uzochukw. God bless you.
This is a very nice write up
It really helped me in my project
Good write up. For corruption in churches, please note that it's not the membership size that determines which one is 'mushroom church'. Quality of spirituality or genuineness of calling goes beyond the physical building. These are spiritual issues and malpractices are also reported among the big/ mainstream orthodox churches you mentioned.
this is so great i love this very much it help me a lot during my project about corruption kudos to you brother, keep it up and God will help you
Oluwatosin whoa, wat an interesting topic, I will lyk to learn more from u. tankz.
Good one
Add Your Commenit...I found it very interesting, educating an informing about the reasons why my country remain underdeveloped. I will play my role by sharing this ur article in a social media for many to see our major problems that hold us back. Weldone sir. Keep it up.
Thanks for this topic i always wondered why our country had so much problems and now i know that it is because of too much corruption. May God help us. You have done very well.
this is a really good work
Really, if I had not read, I won't have appreciated. I never believed that Nigerians have time enough to sit and write and post online. Seriously, I think so many people who have read this article would be praying for you in their closets. Thumbs up..
This is a very nice article. You took your time to explain how corruption has eaten into every sector of the country. I have gone through a few articles on corruption, and so far this is the Best. I got all the information I needed from this article. Keep up the good work.
guy i pray for for more wisdom from God
Great writup. .... kudos
Thanks so much for this work, youve really helped me to find information to make my presentation about corruption in Nigeria. Keep up the good work :)


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House Geckos Forum
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Gman39120 Rexxaroo Crotus Yellowfitzme
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Need help with house geckos
About three years ago I started seeing these strange lizards all over the place after dark. I did a web search tonight for nocturnal lizards and found out these are Mediterranean House Gecko's. I grew up here and we never had anything that looked like this. After talking to some others, I found out these things started showing up in Southwest Mississippi and East Central Louisiana after Hurricane Katrina. From the post I see some people keep Gecko's as pets. Not to offend anyone , but these critters are over running the area. What's a good way to get rid of them? Is it possible now that there must be millions around here? If you want some, come and get them, PLEASE!
|04/21/13 09:36pm
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Message To: Gman39120 In reference to Message Id: 2296037
Need help with house geckos
They are there to stay im afraid, unless you want to start killing them off yourself. They are invasive, but will keep the bug population down in your area. I suggest just leaving em alone and let them do their thing. They are harmless to you, but not sure what kind of effect they are having on the environment in your specific location.
Catch a couple and keep em as pets, i loved mine to death when i kept them :)
If you decide to keep any, contact me and id be happy to give you some good material to read on for proper care.
Good luck.
|04/25/13 03:34am
View Profile
Message To: Gman39120 In reference to Message Id: 2296037
Need help with house geckos
Hey, that's really interesting that they showed up after Katrina -- they have already overrun virtually all of Florida and probably hitchhiked their way on floating debris! There actually are a couple of other types similar to the Mediterranean (the Indo-Pacific and Amerafrican) that are also found here in Florida and could be confused with it, but one thing is certain -- once they have invaded your area, they are there to stay.
|04/25/13 04:18pm
View Profile
Message To: Rexxaroo In reference to Message Id: 2296262
Need help with house geckos
hey there,
I am trying to figure out how to sex my house geckos. I know that adult males are hostile towards other adult males. But I don't know which of my lizards are males and which ones are. Currently they are still young.
And on a side note, I also want to know if there's any common pet reptile that eats house geckos?
|09/23/14 03:43am

subset: commoncrawl


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Re: Mary (Polly) Abercrombie
In reply to:
Re: Mary (Polly) Abercrombie
Dear Dennis:Do you have any information about the Universalist Church's first days in Walker County? I think I have read that they met in Thomas Abercrombie's schoolhouse.Just wondered if there is a tie to any other
Abercrombie families in other parts of Georgia (1840-1860).Hope you and your family are well and still searching for the family.
Best wishes, Eudine


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Conscience Quotes (39 quotes)
...conscience looks backwards and judges past actions, inducing that kind of dissatisfaction, which if weak we call regret, and if severe remorse.
Science sans conscience nest que le ruine de lâme.
Knowledge without conscience is but the ruine of the soule.
Knowledge without conscience is but the ruine of the soule.
A satellite has no conscience.
According to Gandhi, the seven sins are wealth without works, pleasure without conscience, knowledge without character, commerce without morality, science without humanity, worship without sacrifice, and politics without principle. Well, Hubert Humphrey may have sinned in the eyes of God, as we all do, but according to those definitions of Gandhis, it was Hubert Humphrey without sin.
As Love is too young to know what conscience is, so Truth and Genius are too old to know what definition is.
By Gods mercy British and American science outpaced all German efforts. This revelation of the secrets of nature, long mercifully withheld from man, should arouse the most solemn reflections in the mind and conscience of every human being capable of comprehension. We must indeed pray that these awful agencies will be made to conduce to peace among the nations, and that instead of wreaking measureless havoc upon the entire globe, may become a perennial fountain of world prosperity.
[Concerning use of the atomic bomb.]
[Concerning use of the atomic bomb.]
Conscience is merely our own judgment of the moral rectitude or turpitude of our own actions
Conscience is the inner voice warning us that someone may be looking.
Conscience is wiser than science.
Engineering training deals with the exact sciences. That sort of exactness makes for truth and conscience. It might be good for the world if more men had that sort of mental start in life even if they did not pursue the profession.
Give me the liberty to know, to utter, and to argue freely according to conscience, above all liberties.
I have always eaten animal flesh with a somewhat guilty conscience.
In matters of conscience, the law of majority has no place.
Let no one mistake it for comedy, farcical though it may be in all its details. It serves notice on the country that Neanderthal man is organizing in these forlorn backwaters of the land, led by a fanatic, rid of sense and devoid of conscience.
{Commenting on the Scopes Monkey Trial, while reporting for the Baltimore Sun.]
{Commenting on the Scopes Monkey Trial, while reporting for the Baltimore Sun.]
Literature is made upon any occasion that a challenge is put to the legal apparatus by conscience in touch with humanity.
Lord of myself, accountable to none. But to my conscience, and my God alone.
May the conscience and the common sense of the peoples be awakened, so that we may reach a new stage in the life of nations, where people will look back on war as an incomprehensible aberration of their forefathers!
Men who do not know the truth of things try to reach certainty about them, so that, if they cannot satisfy their intellects by science, their wills at least may rest on conscience.
Never do anything against conscience even if the state demands it.
Nothing is more powerful than an individual acting out of his conscience, thus helping to bring the collective conscience to life.
Objective conscience is the function of a normal being; the representative of God in the essence. Buried so deeply that it remains relatively indestructible.
Science and art are only too often a superior kind of dope, possessing this advantage over booze and morphia: that they can be indulged in with a good conscience and with the conviction that, in the process of indulging, one is leading the higher life.
Science is properly more scrupulous than dogma. Dogma gives a charter to mistake, but the very breath of science is a contest with mistake, and must keep the conscience alive.
Science without conscience is but the death of the soul.
Science without conscience is the death of the soul.
The conscience of the dying belies their life.
The highest court is in the end ones own conscience and convictionthat goes for you and for Einstein and every other physicistand before any science there is first of all belief. For me, it is belief in a complete lawfulness in everything that happens.
The laws of conscience, which we pretend to be derived from nature, proceed from custom
The moral faculties are generally and justly esteemed as of higher value than the intellectual powers. But we should bear in mind that the activity of the mind in vividly recalling past impressions is one of the fundamental though secondary bases of conscience. This affords the strongest argument for educating and stimulating in all possible ways the intellectual faculties of every human being.
The purpose of science is to develop, without prejudice or preconception of any kind, a knowledge of the facts, the laws, and the processes of nature. The even more important task of religion, on the other hand, is to develop the consciences, the ideals, and the aspirations of mankind.
The roulette wheel has neither conscience nor memory.
The ultimate test of man's conscience may be his willingness to sacrifice something today for future generations whose words of thanks will not be heard.
The world has achieved brilliance without wisdom, power without conscience. Ours is a world of nuclear giants and ethical infants. We know more about war than we know about peace, more about killing than we know about living.
There is nothing evil save that which perverts the mind and shackles the conscience.
Those individuals who give moral considerations a much greater weight than considerations of expediency represent a comparatively small minority, five percent of the people perhaps. But, In spite of their numerical inferiority, they play a major role in our society because theirs is the voice of the conscience of society.
Two years ago 1 tried to appeal to Rockefellers conscience about the absurd method of allocating grants, unfortunately without success. Bohr has now gone to see him, in an attempt to persuade him to take some action on behalf of the exiled German scientists.
We set sail on this new sea because there is new knowledge to be gained, and new rights to be won, and they must be won and used for the progress of all people. For space science, like nuclear science and technology, has no conscience of its own. Whether it will become a force for good or ill depends on man, and only if the United States occupies a position of preeminence can we help decide whether this new ocean will be a sea of peace or a new terrifying theater of war.
Whereas in The Two Towers you have different races, nations, cultures coming together and examining their conscience and unifying against a very real and terrifying enemy. What the United States has been doing for the past year is bombing innocent civilians without having come anywhere close to catching Osama bin Laden or any presumed enemy.
You can be a thorough-going Neo-Darwinian without imagination, metaphysics, poetry, conscience, or decency. For Natural Selection has no moral significance: it deals with that part of evolution which has no purpose, no intelligence, and might more appropriately be called accidental selection, or better still, Unnatural Selection, since nothing is more unnatural than an accident. If it could be proved that the whole universe had been produced by such Selection, only fools and rascals could bear to live.


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Passed away peacefully at St. Mary's Hospital Kitchener on November 10, 2017.
Survived by his loving wife Irina and their son Daniel.
Visitation at the Erb & Good Family Funeral Home, 171 King St. S., Waterloo on Monday, Nov. 13 from 10am – 12 pm. A brief ceremony will follow at 12 noon. Interment at Memory Gardens cemetery.
Arrangements in care of Erb & Good Family Funeral Home, 171 King Street South, Waterloo at www.erbgood.com or 519-745-8445.


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SOURCE: topcreditcardprocessors.com
October 18, 2016 03:00 ET
NAPLES, FL--(Marketwired - October 18, 2016) - The independent authority on merchant services, topcreditcardprocessors.com, has named their list of the top credit card processing services for October 2016. The rankings are published at the start of each month in order to account for the latest developments and achievements of the top performing credit card processing services. The independent research team at topcreditcardprocessors.com analyzes and ranks the services included in the analysis process each month in order to assist businesses in selecting their solution.
The 50 top credit card processing services for October 2016 are:
1- United Payment Services
2- Leaders Merchant Services
3- Aliant Payment Systems
4- CardConnect
5- RedFynn
6- Credit Card Processing Specialists
7- BankCard USA
8- Maverick BankCard, Inc.
9- Harbortouch
10- Yoozy
11- Encore Payment Systems
12- Beacon Payments, LLC
13- TransFirst
14- National Processing
15- Blue Dog Business Services
16- On Deck
17- Crescent Processing Company
18- PayLeap
19- Merchant Express
20- Heartland Payment Systems, Inc.
21- 360 Payment Solutions, Inc.
22- 1ST Bank Card Services, Inc.
23- Cashworx, LLC
24- ACH Direct
26- Credit Card Payment Systems
27- Certified Payment Processing
28- Alacriti
29- CreditCardProcessing.com
30- eData Financial Group
31- Groovv by Total Merchant Services HQ
33- Leap Payments
34- Meritus Payment Solutions
35- Client Solutions Group
36- Govolution
37- Nova Merchant Services
38- Total Apps
39- Electronic Payment Systems
40- Ace Software Solutions
41- CoCard
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Contact InformationMarc Stephens800-874-24589045 Strada Stell Ct.Naples, FL 34109
Contact InformationMarc Stephens800-874-24589045 Strada Stell Ct.Naples, FL 34109
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Halloween 4 & 5 Blu-rays this month
Anchor Bay have announced the UK Blu-ray release of Halloween 4: The Return of Michael Myers and Halloween 5: The Revenge of Michael Myers on 15 October 2012. These eighties instalments in the Halloween series introduced fans to Danielle Harris as Jamie Lloyd, the niece of Michael Myers who would become the crazed killer's new obsession.
There are no announced extras.
Last updated: 07/08/2018 00:35:22


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If you're attending SIGCSE 2017 in Seattle, WA, be sure to checkout these sessions featuring our own Carol Fletcher, Deputy Director of the Center for STEM Education, talking about CS for All, CS certification, and professional development. (See the online program for more details.)
Building CS Teaching Capacity: Comparing Strategies for Achieving Large Scale Impact
Thursday, March 9, 1:45-3:00pm
ABSTRACT Many states are taking up the President's challenge to provide CS for All. One of the most significant barriers to realizing this goal is the lack of trained and certified CS teachers. Building teacher capacity on a large scale is a challenge each of these panelists has tackled in their own region. Panelists will discuss the pros and cons of targeting in-service vs. pre-service teachers, online vs. face-to-face training, carrots vs. sticks, top down vs. bottom up strategies, and long-term vs. short term solutions to building capacity across an entire state or metropolitan area. Panelists represent CS for All efforts from Texas, New York City, and Arkansas.
- Carol Fletcher (UT Austin Center for STEM Education)
- Leigh Ann Delyser (CSNYC)
- Anthony Owen (Arkansas Department of Education)
- Kimberly Hughes – Moderator (UTeach, The University of Texas at Austin)
High School CS Teacher Certification: Standards, Assessments, and Professional Development
Thursday, March 9, 5:30-6:30pm
ABSTRACT CS Education in primary and secondary schools has experienced a renaissance in the last few years as the CS for All initiative has gained traction across the nation. CS curricula abound and a new AP course, CS Principles, has been deployed that aims to broaden participation. Lack of consensus exists however in what constitutes a qualified CS teacher. A widely accepted and adopted modern certification/licensure process (CSTA 2013) must be developed. Professional development that can be rapidly scaled to build CS teacher capacity is required to realize the vision of CS for All across the nation.
In this session we will engage state and national CS thought leaders to discuss the CS certification process, educator standards, and certification tests across various states to determine opportunities for future collaboration. What are the content standards that all beginning CS teachers must meet? What if any specific CS pedagogical topics need to be assessed? Applications today are built in teams and often deployed and distributed in the cloud. Are these topics too advanced for high school CS or should they be integral? How can professional development be designed to help teachers across multiple states meet certification standards? The existing standards from the ETS CS Certification test (Texas Education Agency, 2010) currently used in multiple states will serve as the baseline for group discussion and feedback.
- Carol Fletcher (UT Austin Center for STEM Education)
- Wesley Monroe (UT Austin Center for STEM Education)


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It has been 11 years since the first disturbing allegations began to emerge from the Grand Western Lodge boarding house in the small town of Millthorpe, near Orange, but the residents' stories still send a shiver down the spine.
''The residents have told us how they were bashed up, told us how they lived in fear and received meds that made them sleepy all the time,'' lawyer Jenny Tallis said of her weeks spent listening to the stories from the former disabled care home.
''Younger residents were told to care for older residents. The constant refrain was that they had no money. They worked, they mowed lawns, they cleaned cars. They might have been given a few dollars to buy lollies but they had no independence at all.''
On Tuesday, with the help of Ms Tallis and others, the residents finally took a stand, launching a class action against the man who ran the facility, the company he worked for, and the NSW government.
Represented by law firm Maurice Blackburn, the 40-plus residents, who have physical and psychosocial disabilities, lodged a claim in the Federal Court against boarding house manager Adrian Powell, Avibin Pty Ltd, and the Department of Ageing, Disability and Home Care.
They are seeking compensation for injuries, false imprisonment and financial losses allegedly suffered during their time at the boarding house between 2000 and 2011.
In a series of articles dating back to 2002, Fairfax Media exposed the alleged inhumane treatment of residents at Grand Western Lodge. Government documents recorded a history of allegations of physical assaults of and by the residents.
A committee of seven residents at the boarding house allegedly exercised control over the others, meting out physical punishment, solitary confinement, and massive unprescribed doses of psychotropic medications to sedate residents deemed out of control.
One man said he had been grounded in his room for a month, and another said he had been ''hit everywhere, kicked and punched everywhere'' over the course of 10 years.
In their action, led by former resident Paul McAlister, the residents also say they were not given enough food of adequate quality.
It is alleged the Department of Ageing, Disability and Home Care's monitoring of the boarding house's licence was negligent. Staff are said to have been aware of the risks to residents but failed to properly inspect the facility.
The acting chief executive of People with Disability Australia, Matthew Bowden, said he hoped the action would also lead to an improvement in housing and support provided to people with disabilities.
The residents have told us how they were bashed up.
Fairfax Media was unable to contact Mr Powell or Avibin on Tuesday.
The Department of Ageing, Disability and Home Care declined to comment.
Paul Bibby is a Court Reporter for The Sydney Morning Herald.
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text:
There has been quite the buzz around UFC 202 and understandably so. Conor McGregor facing Nate Diaz for a rematch is the story screenplay writers, not to mention UFC Stakeholders, dream of. We know UFC flourishes in the hype. I'm guessing between the fighter smack-talk and pre-match promotional videos, they have made enough money to pay off all of the fight-card purses, match performance bonuses, production costs, and still have enough money left over to feed a third world country.
The UFC is a hype machine and we can't wait to see how the fighters live up to it this go around. UFC 202 is our must watch fight of the summer. Conor McGregor is seeking revenge in his rematch against Nate Diaz on August 20th in Las Vegas. McGregor fell to Diaz by rear naked choke in the second round at UFC 196. McGregor says he's made the necessary adjustments to ensure he won't suffer another defeat inside the Octagon. He's confident in the changes he's made and he's not afraid to make his prediction for this rematch.
"If I was to make a prediction, which I will right now — I believe I will repay the favor and KO him inside the second round." — Conor McGregor
While McGregor has all of the confidence in the world going into this fight, our resident experts aren't quite placing their bets on him. I sat down with our biggest fans and asked for their insights to the UFC 202 fight card. Let's see if you agree.
Darragh's Predictions:
I'll warn you, Darragh, one of our Marketing Coordinators, is a bit biased. He's from Dublin, Ireland. He earned his BA in Journalism from Griffith College Dublin, which led him to various roles covering sports in Ireland. As an avid sports fan and our resident Irish expert, Darragh is an authority on all things Conor McGregor —at least in my eyes.
Conor McGregor vs Nate Diaz:
If McGregor doesn't put him down in two rounds, he won't win. Expect a large Irish contingent at the fight who will undoubtedly be representing proudly in a semi-sober state.
Rick Story vs Donald Cerrone:
Cerrone will win, but I would like to see him get punched around.Look for Cowboy to move in and get the job done quickly. This is a big fight for Cerrone, and I do expect him to get the job done in the latter stages after some Story resistance, but would not be opposed to seeing him getting punched around the octagon.
Anthony Johnson vs Glover Texeira:
Johnson's fight won't go past the first round. Johnson's quickness will be too much for Texeira.
Mark's Predictions:
Mark is one of our Senior Graphic designers, a former MMA fighter, and my personal go-to on all things UFC related. He's been to over 25 UFC fights! He watches almost every fight and proudly sports a UFC Fight Club shirt; if that doesn't say "I know what I'm talking about," I don't know what does!
Conor McGregor vs Nate Diaz:
McGregor is going to pick-n-choose his punches which will slow the fight down. Diaz can take a beating to close the space. We are looking at a 3rd round submission, Diaz wins.
Rick Story vs Donald Cerrone:
While Story is a monster, Cerrone has kicks for days and knows how to keep his distance. If we see Cowboy step in close, it will be just to shoot Story and go for an early submission. Story will have to win this fast. If it goes to the 3rd, Cerrone wins by submission.
Anthony Johnson vs Glover Texeira:
Teixeira knows Johnson has quick hands and loads of knockout power. We will see nice exchanges in the 1st. Johnson will be aggressive the entire match. I agree with Darragh, you are looking at a 1st round KO or TKO - Winner will be "Humble Rumble."
There you have it folks, our predictions for UFC 202. The entire card looks to be a lineup of intense and thoughtful battles. While the big draw is Diaz and McGregor, don't sleep on the Johnson vs Teixeira fight! I love a good showdown between two strong fighters and I hope that's what we have on August 20th. If all of the men can stay healthy until then, we're in for a good fight night!
VIP Experience
You can be there as a UFCVIP! There will plenty of food, alcohol, and celebrity sightings to complete this incredible experience. You'll have access to our Premium Reserved Area for the Fighter Q&A, the Weigh-In on Friday, and VIP Hospitality on Saturday. This is the must-see fight of the summer!


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View Talay Villas House For Sale in Jomtien ฿9,900,000
View Talay Villas. A nice ThaiBali home located just 1km from Jomtien beach, in an ever popular village.
This home has been built to high modern standards and comprises of 3 bedrooms, and 2 bathrooms. There is a fitted Euro kitchen area which has been separated from the living room but still open plan. From either the living room, or 2 bedrooms you have access to the pool and gardens. The patio area is large and surrounds the pool, with sun loungers, breakfast table, and retractable canopy. Around the perimeter wall are mature trees allowing for maximum privacy. Title deed held in a Thai company, so transfer costs are minimal.
- Private Swimming Pool
- European Kitchen
- Communal Swimming Pool
- 24-Hour Security
- In Company Name
- WIFI Internet
- Storage
- Satellite TV
Reference number :: SH578
- Sale Price : ฿9,900,000
- Living area : 180 sqm.
- Bedrooms : 3
- Bathrooms : 2
- Ownership : In Company Name
- Land size : 100 Wah²
- Location : Jomtien
Property and land sizes are for guidance only and should not be relied upon. Verification of registered sizes will be available upon serious enquiries.
Interested in this Property?
Call EAST COAST REAL ESTATE on:
Jomtien tel: + (66) 38 267 030-1
Pattaya tel: + (66) 38 723 615-6
Siam CC tel: + (66) 38 730 352-3
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Research Institute has identified 40 developmental assets for adolescents; a specific set of skills, experiences, relationships and behaviors that help young people flourish and mature into successful and contributing adults.
January rolls in like a breath of fresh air. The calendar is reset and, in many regards, it is a chance to begin anew and an opportunity to do things "better" moving forward. The new year is also an ideal occasion for parents and children to come together to set fresh goals as both a family unit and as individuals. As you consider potential objectives for 2018 we challenge you, as a family, to come up with ways to make this a more meaningful, more impactful year.
EMIS System at ODE Down for Maintenance
FY18 Initial Staff and Course (L) Collection, v3
FY2018 CTE Funding Reports Initial Release
The New Year is always a good time to hit the reset button and establish any new rules you may need. When it comes to our kids and their phones, this may especially apply as we learn the potential connection between smartphone use and depressed and suicidal teens.


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2401 1233 W Cordova Street, Vancouver MLS®: R2284213
Carina, Coal Harbour. Award winning architecture by James Hancock in this prestigious waterfront address. A rarity, 1/2 floor residence, air-conditioned 3 br, fully ensuited + den/office & flex space totalling over 3,000 SF (282 m2) of living space capturing panoramic, unobstructed ocean & mountain views from all principle rooms. This large, bright, open, impressive space is beautifully and thoughtfully designed ... the perfect setting for intimate or grande scale entertaining. Uncompromising space... downsizing simplified. Resort style amenities include 24 hr concierge, fitness facility, media room, pool, hot tub, steam room, lounge & electric car charging stations. A world class location...world class waterfront living. Viewing by private appointment.
Taxes (2018): $17,374.00
- Bike Room
- Exercise Centre
- Pool; Indoor
- Sauna/Steam Room
- Storage
- Swirlpool/Hot Tub
- Air Conditioning
- ClthWsh
- Dryr
- Frdg
- Stve
- Compactor - Garbage
- Drapes
- Window Coverings
- Fireplace Insert
- Microwave
- Oven-Built In
- Security System
Site Influences
- Central Location
- Golf Course Nearby
- Marina Nearby
- Shopping Nearby
- Ski Hill Nearby
- Waterfront Property
Similar Listings
Listed By: Royal LePage Sussex
Disclaimer: Listing data is based in whole or in part on data generated by the Real Estate Board of Greater Vancouver and Fraser Valley Real Estate Board which assumes no responsibility for its accuracy.


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The swim not only presented a physically demanding challenge, but also an opportunity for Jon and Nick to show their support for the charity.
Jon and Nick first became friends at the Bristol Royal Hospital for Children, where their son's both received treatment for cancer. It was this shared experience that bonded the two families.
Their friendship continued to grow whilst both families stayed at CLIC House, one of CLIC Sargents free, self-catering Homes from Home.
Jon and Nick's experience at CLIC House made them determined to complete a challenge that would raise as much money has possible for CLIC Sargent. The swim took two hours as they battled against the current, four foot swirl, jelly fish and the freezing cold temperatures!
Nick said: "We are not the strongest of swimmers and this was completely out of our comfort zone. It was the hardest thing I have ever done but the only thing that got me through was saying our son's names on each and every aching stroke, from start to the finish."
Their fantastic achievement was matched by the amazing £8,000 they managed to raise after just one month of fundraising!
CLIC Sargent fundraising manager, Kiren Fernandes said: "It costs us £105,000 a year to run CLIC House. We are entirely voluntary funded and wouldn't be able to continue to offer this service without the support of fundraisers like Jon and Nick."
More information
To find out how you can help raise money for CLIC Sargent, please contact Kiren Fernandes on 0117 311 2620 or email: email@example.com.


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Derick Palmer always knew how to bring a smile to anyone's face. He was brought into this world five weeks premature on October 9th, 2006 in Sicily. The perfect combination of his mama and dad. His love of sports inherited from his dad and his sense of humor from his mom. Derick's contagious smile and wittiness brought a lot of happiness to his family – the kind of happiness that they did not even know they were missing.
Derick was the ultimate boy. Between the ages of 1 1/2 - 4 years old he loved hitting baseballs off of a tee, throwing rocks down a storm drain, pushing his Hot Wheel cars down tracks for hours, and his favorite thing of all; flirting with all of the ladies. Between the ages of 4 & 6 he was an all-around athlete, playing baseball, football and basketball. At 5 years old even competed in a kid's triathlon and won 2nd place. Derick loved challenging everyone to the games of Monopoly and War, making every opponent groan in defeat by the end of the first round. Between ages 6-8 years old, Nerf guns were one of Derick's biggest passions. Whether at the hospital, at home, or the biggest Nerf War in Portsmouth, Virginia, he was always prepared for battle. His witty personality allowed him to keep up with his 2 older sisters.
In the spring of 2013 at the age of 6, Derick was diagnosed with Medulloblastoma, a fight that he stood tall again for almost 2 years. During treatments, there were more good days than bad. His average day usually consisted of school, playing with friends, laughing, and just being a kid. He found the good in the bad, when he got lemons he made lemonade, and never complained about his treatments. When Derick's cancer relapsed, he accepted it and continued fighting on until his body could not fight anymore.
Derick served as an advocate for other children with similar circumstances, always willing to speak to the kids about treatments and showing them and their parents that they have to be brave. He always volunteered selflessly whether it was to raise money for a cure or help those in need.He was a magnet with a big heart that drew in everyone around him. Derick the Defeater was stronger, bigger, and braver than cancer could ever be. His loving and fighting spirit will live on in everyone who was touched by his incredible life.#Derick Strong= Live a good life by being selfless, kindhearted, always try your best and never give up.Live your life DERICK STRONG.


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Preparing for your baby's arrival can be one of the most exciting times in your life. However, it's important to consider the many costs that inevitably come with having a baby. Here are five money matters to keep in mind when anticipating the birth of your little bundle of joy.
Create a monthly budget with "Baby Savings"
It's been said that those who fail to plan, plan to fail. By developing a pre-baby budget, you're ensuring that you set yourself up for success. Lay out all monthly expenses such as rent, transportation, cell phone bills, and debt payments, along with other expenses like groceries, clothes, and so on. And, now that your family is growing, you should also add a new component to your monthly budget – Baby Savings. By saving as little as $25 a week, you could save $100 a month. That's $800 or more by the time your baby is born! You could use that money towards the purchase of a stroller, a crib, or anything else your baby might need. A little goes a long way!
Take advantage of the Canada child tax benefit
Did you know that the Canadian government provides a non-taxable monthly payment to help with the cost of raising your child? The Canada child tax benefit (CCTB) provides financial assistance to the primary caregiver of a child. By filling out the Automated Benefits Application on Canada Revenue Agency's (CRA) website, you can be eligible to receive a monthly payment soon after your baby is born.
The amount of money you may be eligible to receive is based on two factors:
1. How many children you have and how old they are
2. How much money you make (net income)
Every year, you may get up to $6,400 for each child under the age of six, and $5,400 for each child aged six through seventeen. Families with less than $30,000 net income get the maximum benefit amount, as listed above, while families making more than $30,000 receive reduced payment amounts within those limits. To see how much you may be eligible for, go to CRA's online child and family benefits calculator.
Research inexpensive options for feeding baby
When it comes to feeding your baby, you should be aware of the associated costs before your baby is born. For mothers who decide to feed their babies with formula, the costs are immediate and ongoing. The average Canadian family will spend nearly $100 a month on formula during baby's first year. With each tub of brand-name formula averaging between $25 and $50, these costs can add up quickly. The good news is that as your baby is weaned off formula and transitions to solid food, the formula costs go down.
If you breastfeed, the immediate costs are not as steep, but other costs eventually do come into play. For example, devices like breast pumps can add to the cost of breastfeeding. Low-cost pumps start at under $20, but can easily climb to the $250 mark when you start adding in features and benefits.
Regardless of whether you are feeding your baby with formula or using a breast pump, you will need to take the cost of feeding bottles into account. Glass and BPA-free thermoplastic bottles average from $15 to $30 or more, depending on the brand. Associated costs include bottle nipples, which must be purchased in addition to the bottles and need to be replaced regularly. Be sure to include those estimates in your budget as you plan for baby-related expenses.
Hunt for special offers on diapers and baby products
As if having to change diapers wasn't bad enough, having to buy them at such a high cost makes it even worse. The average Canadian baby uses a staggering 6,000 to 8,000 diapers in their first three years, and with most brand-name diapers costing 15¢ to 25¢ each—that's a whole lotta cash going down the toilet, so to speak! Alternative options include purchasing less expensive store-brand diapers, buying in bulk during promotional sales, and using as many coupons as possible. Many families are opting for another, more environmentally friendly, cost-effective solution of reusable cloth diapers. Even with the added laundering costs, you can actually save hundreds of dollars a year compared to purchasing disposable diapers.
Canadian families can also benefit from programs such as Baby Box Canada, a non-profit organization that helps families by providing them with many of the essential products they need to care for their newborns. By simply registering online, expecting parents can receive their very own Baby Box filled to the brim with free baby products from leading brands, such as Fisher-Price, Burt's Bees, and Philips Avent.
Use social media to buy used baby items
Special buy, sell, and trade Facebook groups in your local community are a great resource that new parents should take advantage of. By joining buy-sell groups with other parents in your community, you can find specific items that you might need immediately, or as your baby grows. Buy, sell, and trade Facebook groups can be found in communities all across Canada, including Cold Lake, Alberta; Cape Breton, Nova Scotia; and Brampton, Ontario. These groups open up your network beyond your own Facebook contacts to other parents in your area, allowing you to buy things at a fraction of the cost of what you would pay at a store.
Despite the many new and exciting challenges that will inevitably come with bringing baby home from the hospital, don't let the associated costs of a newborn overwhelm or discourage you. Planning and budgeting ahead allows you to concentrate more on your new bundle of joy and less on what the next expense is going to be.
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We know the fine print can be painful, but we believe it's important you have all the facts!
easyfinancial offers a variety of financial services including personal loans, and mortgages. easyfinancial is a division of goeasy Ltd., the leading full service provider of goods and alternative financial services that improve the lives of everyday Canadians. goeasy Ltd. is listed on the TSE under the symbol 'GSY'.
* easyfinancial offers secured personal loans in all provinces, excluding British Columbia, Nunavut, Northwest Territories, and Yukon.
While having a loan and honouring its obligations can help build credit, too many loans may be seen by potential creditors as an increased risk, and failure to meet repayment obligations will result in a negative report to the credit bureaus, which would reduce your credit score. Please borrow responsibly.
Loans from easyfinancial do not automatically renew. Customers have the option to request an increase to their loan after paying down a percentage of their current loan amount and maintaining good payment history. Such a request would be subject to the company's standard underwriting rules.
easyfinancial offers personal loans from $500 to $25,000 with terms from 9 to 120 months. The APR is between 19.99%-46.96%. Secured personal loans may be subject to provincial fees upon funding. NSF (non-sufficient funds) payments will be assessed a $50 fee in addition to fees charged by the customer's financial institution.
easyfinancial contacts customers in arrears as soon as possible through various means including, but not limited to telephone, email, postal mail and SMS. easyfinancial may work with third parties to assist in collections activities.
†Loan Protection Plan is underwritten by American Bankers Insurance Company of Florida (ABIC) and American Bankers Life Assurance Company of Florida (ABLAC) under Group Master Policy Numbers EF012017, EFL012017, EF082017 and EFL082017.
** Receive approval in as little as 48 hours with complete documentation.
‡ Conditions apply. Ask branch for details. Optional service.
ABIC and ABLAC carry on business in Canada under the trade name of Assurant®.
®Assurant is a registered trademark of Assurant, Inc.
The complete terms, eligibility, benefits, limitations and exclusions are contained in the Certificate of Insurance.
goeasy Ltd., its affiliates, subsidiaries (including RTO Asset Management Inc. operating as easyhome and easyfinancial Services Inc. operating as easyfinancial) and franchisees (collectively, "goeasy", "we", "us" or "our"), have provided this Privacy Policy to describe our personal information handling practices, and to assure you of our continuing commitment to take steps to protect all personal information that we handle in the course of commercial activities. "Personal information", as used in this Privacy Policy, means information about an identifiable individual. Unless you are a resident of the Province of Quebec, this Privacy Policy does not apply to an individual's business contact information where collected, used or disclosed solely for the purpose of communicating with the individual in relation to their business, employment or profession.
Purposes for Which goeasy Handles Personal Information
goeasy collects and uses personal information for purposes limited to those which are related to its businesses, which include providing financial services and leasing household furnishings, appliances, and home electronic products to its customers under lease agreements. We collect personal information primarily from you, for instance through applications and supporting documentation you provide. We may also collect personal information about you through your ongoing interactions with us, from references, employers and other financial institutions you have identified in your application as well as credit bureaus and other third party sources. For example, we may collect personal information from credit bureaus for the purpose of locating you to collect outstanding debts. In connection with loan agreements, we may also collect personal information from credit bureaus in order to verify your current and ongoing creditworthiness and other information you may provide to us.
We may collect and use personal information for purposes such as, but not limited to, the following:
Personal Information goeasy Collects
goeasy limits the amount and type of personal information collected to that which is necessary for our identified purposes, and we collect personal information by fair and lawful means.
Personal information that we collect includes:
Transfers and Disclosures of Personal Information
goeasy may disclose personal information in a number of circumstances, including:
In addition to the above, personal information may be shared between our affiliates or subsidiaries (including those located in the United States) for internal audit, management, billing or administrative purposes including defending and bringing legal actions.
In the course of fulfilling the purposes described above, goeasy may transfer your personal information to service providers, including affiliates or other third party organizations or individuals retained by goeasy to perform functions on its behalf, such as marketing, data processing, customer service, office, security, collections, insurance, financial and taxation services. When personal information is transferred to service providers, we use contractual or other means to ensure that a comparable level of protection is provided. Some of our service providers may be located outside Canada, including in the United States, and will be subject to applicable legal requirements in the country in which they are located, including lawful requirements to disclose personal information to government authorities in certain circumstances.
goeasy may also use and disclose personal information in connection with the proposed or actual financing, securitization, insuring, sale, assignment or other disposal of all or part of our business or assets (including your loan or lease and any agreement to which it relates), for the purposes of evaluating and/or performing the proposed transaction. Assignees or successors of our business or assets may use and disclose your personal information for similar purposes as those described in this Policy.
goeasy may disclose your personal information as necessary to meet legal, regulatory, insurance, audit, and security requirements, and as otherwise with your consent or as permitted or required by law.
goeasy uses reasonable safeguards and other security standards to protect all personal information in its custody and control against loss or theft, as well as unauthorized access, disclosure, copying, use or modification, regardless of the format in which the information is held. Safeguards will vary depending on the sensitivity, format, location, and storage of the personal information. Only authorized employees, agents, partners and third parties who require access to personal information to fulfill their job requirements will have access to personal information.
Access and Accuracy
goeasy may establish and maintain a file containing an individual's personal information for the purposes described above, which will be accessible at our offices. Individuals have the right to request access to or correction of their personal information that is held by goeasy. Requests must be made in writing, addressed to goeasy's Privacy Officer as per the contact information set out at the end of this Policy. We will respond to written requests within a reasonable time. Copies of records containing personal information may be subject to a fee. If this is the case, goeasy will inform the individual of the amount of the fee in advance. We will use our best efforts to ensure that personal information is as accurate, complete and up-to-date as necessary for the identified purposes. If an individual successfully demonstrates the inaccuracy or incompleteness of personal information, we will amend the information as required. If we refuse access to personal information or disagree with an assertion that information held by us is incorrect, we will provide a written explanation for such refusal and a description of our complaints procedure should an individual decide to challenge such written explanation. An individual's right to access or correct personal information is subject to applicable legal restrictions. To prevent fraudulent access to the personal information stored by goeasy, we may take reasonable steps to verify an individual's identity before granting access or making corrections.
goeasy's Websites and E-Mail Communication
goeasy does not guarantee the confidentiality of any communications made by you via e-mail or otherwise through our websites. If you wish to provide information of a confidential or sensitive nature to easyhome, please contact us directly by telephone at 1-866-823-3279 or easyfinancial at 1-888-502-3279 to arrange for delivery/transmission of such information by secure means.
We use cookies and other tracking technologies to improve your experience on our website, to facilitate the online application process and for internal research and reporting purposes. A "cookie" is a bit of information that a website sends to your web browser that helps the site remember information about you and your preferences, such as your IP address and the pages of the website that you visit. You can set your browser to notify you when you receive a cookie or to refuse cookies altogether. If you refuse cookies, however, you may not be able to use certain features of our website, view ads based on past visits to our website, report or interact with ad impressions.
Our website may contain links to other websites of interest. These other websites are not governed by our Privacy Policy and we are not responsible for any personal information which you provide while visiting other websites. We encourage you to read the privacy policy of every website you visit.
In compliance with Google's advertising policies, we use Google Adwords Search Engine Marketing (Pay Per Click) and Display Advertising (Remarketing and Google Display Network). We use Google AdWords Remarketing in compliance with the Google AdWords Interest-Based Advertising Policy, which means that you may see our advertisements on Google and other third party websites on the internet after visiting our website.
We use Google Analytics for Display Advertising, including Remarketing, Google Analytics Demographics and Interest Reporting, Google Display Network Impression Reporting and the DoubleClick Campaign Manager integration. You have the option to opt out of Google Analytics for Display Advertising and customize Google Display Network ads. For all the currently available opt-outs, please visit https://tools.google.com/dlpage/gaoptout
We use the data collected through Google Analytics Demographics and Interest Reporting to better understand our website visitors in terms of demographics and interests, to improve our website content in order to cater to our audience, and to customize advertisements based on our audience's interests and demographics.
Consent to the collection, use and disclosure of personal information may be given in various ways. Consent can be express or implied. In some circumstances, where notice has been provided to you about our intentions with respect to your personal information and you have not withdrawn consent, you will be considered to have consented for the purposes identified and described to you. By submitting personal information to goeasy or its service providers and agents, you consent to the collection, use and disclosure of such personal information as described in this Privacy Policy or otherwise at the time of collection. If you provide goeasy or our service providers and agents with personal information of another individual, it is your responsibility to obtain consent from such person to enable us to collect, use and disclose such information for the purposes set forth in this Privacy Policy. Subject to legal or contractual requirements and reasonable notice, you may withdraw your consent at any time by contacting goeasy's Privacy Officer at the contact information set out at the end of this Privacy Policy. If you withdraw your consent, we may be limited or unable to provide you with certain services or information.
In certain circumstances, as permitted or required by law, we may collect, use or disclose personal information without the knowledge or consent of the individual. These circumstances include but are not limited to: personal information that is publicly available as defined by regulation; where collection is clearly in the interests of the individual and consent cannot be obtained in a timely way; where disclosure is made for the purposes of collecting a debt owed to us; or to comply with a subpoena, warrant or court order.
Inquiries or Further Information
goeasy has appointed a Privacy Officer to oversee compliance with this Privacy Policy and applicable privacy laws. Any questions related to the Privacy Policy or the handling of personal information by goeasy can be addressed directly to the Privacy Officer at:
Privacy Officer, goeasy Ltd.,
33 City Centre Drive, Suite 510
Mississauga, Ontario, L5B 2N5, Canada
If you are not satisfied with our response to a privacy-related matter, you may contact the Office of the Privacy Commissioner of Canada at 1-800-282-1376 or at http://www.privcom.gc.ca. or in Quebec, Alberta or British Columbia, your provincial privacy regulator, as applicable.
We reserve the right to modify this Privacy Policy at any time. If we make a change to this Policy, we will post such changes on our website located at www.goeasy.com.