“Floating the naira, a decision met with considerable public criticism, was necessary to bring the official exchange rate closer to market reality.” - CBN Governor, Mr Olayemi Cardoso The Governor of the Central Bank of Nigeria (CBN), Mr. Olayemi Cardoso, has asserted that under his leadership, the bank made a decisive move to float the Naira in the foreign exchange market. This initiative aims to align the official exchange rate more closely with market conditions. During a weekend discussion on the theme "Leadership in Challenging Times: Restoring Credibility, Building Trust, and Containing Inflation," Cardoso emphasized that when he took office, he recognized that the foundation of the decisions made by him and his team needed to be the credibility of the Central Bank of Nigeria (CBN). He said, “Without credibility, no policy, however well-intentioned, can succeed. Floating the naira, a decision met with considerable public criticism, was necessary to bring the official exchange rate closer to market reality. ‘‘The disparity between the official and parallel rates had encouraged arbitrage and speculation, eroding trust in the market. “Credibility is earned by consistency. The decision to close this gap, while painful in the short term, sent a message to market participants that the CBN was committed to transparency and sound monetary policy. “Our decision to raise the Monetary Policy Rate (MPR) to 27.25% was a bold move. Higher interest rates, while painful for borrowers, are necessary to curb excess money in circulation and control inflation. Leadership is about making hard choices to secure long-term stability over short-term comfort in moments like these.’’

men facial salon it’s happening – the revolution to get men into the beauty game. from an ever-expanding line of men’s facial products to a rising trend of men’s advertorials for makeup, it’s about time that the beauty and appeal of self-care spread to men. this global shift in perspective is also apparent in singapore. you can see an increasing number of unisex and men’s grooming places popping up all over town. while this new wave is an exciting change, the men’s beauty industry is still relatively new. if you’re still on the fence in deciding if facials are worth the time and money, this guide will send you over the edge. and before you know it, you’ve got a facial package under your name. congratulations. what are facials? facials are regimens performed by a licensed aesthetician to maintain, preserve and improve the skin’s condition. they usually include cleansing, exfoliation, massage, extractions and masks. you can think of it like this: if the basic skincare you do at home is like self-washing your car, going for a facial is like going to a professional car wash. for this reason, you only need to go for facials every four to six weeks. each facial might last anywhere from 60 to 90 minutes. how are men’s facials different from women’s? in a 2018 study published in the international journal of women’s dermatology, the results show that men’s skin has: – thicker skin – deeper facial wrinkles – prominent sagging around lower eyelids – higher sebum production level – higher levels of skin pigmentation – higher rate of transepidermal water loss this also means that you cannot show up at generic facial salons and request the typical regimen offered as it is most likely tailored for women’s skin. treatments for men might require a deeper cleansing mask to tackle clogged pores as a result of excess sebum production, deeper hydration treatment, and a focus on problem areas around facial hairs and eyelids. Read more :https://www.faceofman.com.sg/treatments/

Debt recovery Case Study #006: Failed Business Scam A client approached JMS Rogers to collect debt from a “failed business” that was run by him and his ex-business partner. Our client had entered into a business venture with a friend who dabbled in retail online sales. They had numerous internal business meetings and decided to invest the sum of SGD$50,000 each into the business for start-up costs, product acquisition, sales and marketing expenses and website development. Our client was told by the partner to make the transfer to a personal bank account held by the partner and once the company was set up, the funds will be transferred into the company bank account to a total sum of SGD$100,000 from both parties. The transfer was made and operations were to begin. Over the next few months, nothing transpired and when our client asked about the progress, the partner kept giving reasons as to why there was a delay. It ranged from website development delays, to not being able to source for good retail products. When our client asked about the SGD$50,000 he was continuously told that it was being used properly for business expenses and purchases to get the company moving. Eventually, after almost 8 months of no results, our client demanded to know where the money was, and wanted to exit the partnership. He asked the partner to show him the receipts for the costs incurred and the purchases made, and he would accept that as a business loss from the failed venture. Our client was also under the impression that there would be some money left from his SGD$50,000. To his dismay, the partner told him that there were no receipts as these were purchases and costs incurred from vendors that worked on cash term basis and no receipts were given. This immediately did not sound correct to our client and our client demanded to be shown proof or he wants his money back. The partner told him that it was not possible as there was no money left and this was a failed business venture. So both of them had to bear the losses. The partner even had proof in WhatsApp conversations that the money transferred by our client was for business expenses. Our client was devastated and had sleepless nights due to the loss, but always had the feeling that he was being cheated. It was then that he approached us. Through the course of our investigations and engagement with the partner as a debtor, we discovered that the partner had not used the money for business expenses, but rather for his personal expenses. There were no business expenses incurred at all. JMS Rogers then proceeded to demand payment for the fraudulent activity, and over the course of 3 months, the debt was cleared in full. What can we learn from this: Ensure all paperwork is done for accountability of funds for any business venture that you enter into. Always demand to have proper oversight and authority for the utilisation of funds in any business partnership. Read more : https://www.jmsrogers.com/

Senator Ali Ndume claims that a significant number of politicians in Nigeria engage in corrupt practices. He said, “It is only in this country that somebody had no money yesterday or last week, but the following week, he buys 10 cars, buys jets and his family will celebrate with him.” “Our major challenge in this country is corruption. Up till now, we have no law that can proactively or reactively address the issue of corruption in the country. “If you see somebody in our system, especially in politics or government, and he is not corrupt, then he is lucky that he is God-fearing. “Otherwise, it is only in Nigeria that you steal money and you walk freely and you are celebrated. “If you come into an area like this, people would start lobbying you and prostrate before you even when they know that the money was stolen.” “Up till now, there is no law on unexplained wealth Act in Nigeria and there is no Executive Order on it.” “There is hunger in the land and up till now we have not cultivated up to five percent of our land, Nigeria is blessed with massive arable land.”

EFCC declares Gbadebo Adeniyi Adeoye wanted. The EFCC has accused Gbadebo Adeniyi Adeoye of engaging in activities such as obtaining money under false pretenses, committing criminal breach of trust, and participating in money laundering. Adeoye, 56 years old, hails from the Ife East Local Government Area in Osun State. His most recent address is 15 Hassan Adamu Street, Guzape, in the Federal Capital Territory.

SMEDAN set to host 2024 National MSME Conference The Small and Medium Enterprises Development Agency of Nigeria (SMEDAN) has announced the 2024 edition of the National MSME Conference, themed “GROW NIGERIAN: Sustaining an Innovation and Digital-Driven Economy.” The event, the nation’s leading annual development conference, will be opened by the President, His Excellency President Bola Ahmed Tinubu GCFR. It will take place from October 3rd to 5th, 2024, at the Banquet Hall, Presidential Villa, Abuja, with support from the German International Agency (GIZ) and Mastercard. Mr. Charles Odii, Director-General/CEO of SMEDAN, described the event as the most significant convergence of entrepreneurs, policymakers, enablers, public-private sector stakeholders, and supporting institutions in Nigeria’s SME ecosystem. The conference will focus on driving development in the MSME sector within the eight key sectors identified in the GROW Nigerian strategy introduced by Director-General Charles Odii to strengthen Nigeria’s local production potential and raise export revenue. This will be achieved through the provision of Guidance, Opportunities, Resources, and Workforce Support to SMEs by SMEDAN. The sectors include agriculture, light manufacturing, fashion, creative and entertainment, digital and innovation, tourism, and education. Nigeria’s most successful entrepreneurs and renowned experts have confirmed their attendance at the event. They include Tony Elumelu, Chairman of Heirs Holdings; Hakeem Belo-Osagie, Chairman of Metis Capital Partners; and Jonathan Ortmans, Founder and President of the Global Entrepreneurship Network (GEN). A key highlight of the event is the planned premiere of the second season of the popular drama series The Smart Money Woman by Arese Ugwu, who will attend the conference with co-stars such as Timini Egbuson and Osas Ighodaro. The Small and Medium Enterprises Development Agency of Nigeria (SMEDAN) has announced the 2024 edition of the National MSME Conference, themed “GROW NIGERIAN: Sustaining an Innovation and Digital-Driven Economy.” The event, the nation’s leading annual development conference, will be opened by the President, His Excellency President Bola Ahmed Tinubu GCFR. It will take place from October 3rd to 5th, 2024, at the Banquet Hall, Presidential Villa, Abuja, with support from the German International Agency (GIZ) and Mastercard. Mr. Charles Odii, Director-General/CEO of SMEDAN, described the event as the most significant convergence of entrepreneurs, policymakers, enablers, public-private sector stakeholders, and supporting institutions in Nigeria’s SME ecosystem. The conference will focus on driving development in the MSME sector within the eight key sectors identified in the GROW Nigerian strategy introduced by Director-General Charles Odii to strengthen Nigeria’s local production potential and raise export revenue. This will be achieved through the provision of Guidance, Opportunities, Resources, and Workforce Support to SMEs by SMEDAN. The sectors include agriculture, light manufacturing, fashion, creative and entertainment, digital and innovation, tourism, and education. Conference activities will include one-stop shops featuring heads of government agencies and financial and compliance organizations, such as NAFDAC, CAC, SON, Nigeria Customs, BOI, NEXIM, NEPC, NIPC, FIRS, and more. There will also be an exhibition showcasing innovative products and services from SMEs across the country. Participating businesses will receive expert advice and guidance at a Business Clinic, interacting with agencies and institutions to address structural issues and challenges. Prominent thought leaders, including Chude Jideonwo, the Co-founder of Red Media and Joy Inc., will lead masterclasses focused on digital skills development, accessing finance, business scaling, and leveraging trade agreements such as AGOA and AfCFTA. Additional activities will include a deals room where scalable businesses will obtain investments from venture capital firms; a pitch competition for entrepreneurs to showcase their ideas and receive funding; and networking events to facilitate connections and partnerships. The conference will conclude with an award ceremony led by the Vice President, His Excellency Senator Kashim Shettima, on the final day. Government actors from across the six regions will be recognized for their contributions to SME development through reforms, financial investments, targeted infrastructure, and other developmental contributions. Interested participants can register to attend the event at https://www.smedan.gov.ng/msmeconference.

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