Wednesday, March 6, 2013

Job Recruitment at Central Bank of Nigeria - 5 open positions left. Apply now

Mass recruitment that has been going on in Central Bank of Nigeria still on. only 5 positions are left. Act fast. To apply visit

Wednesday, February 20, 2013

Fidelity Bank Plc is Recruiting for 2013

Fidelity Bank Plc is Recruiting for 2013.
 Desired Courses: Social Sciences, Management Sciences

  • Personal Qualities
  • Numerate skills
  • Tenacious and focused
  • Self starter and motivator
  • Team player
  • Presentable personality
  • Good interpersonal, relationship & people skills
  • Good communication skill (oral and written communication).
Ideal Candidate Profile:

Qualifying Criteria (Minimum Requirement)
  • Polytechnic/ Monotechnic/ Colleges of Education graduates with OND/ NCE (Lower Credit Minimum) in sciences and social sciences. Copied from:
Age: Minimum of 20 years and maximum of 28 years on next birthday

Application Closing Date
28 February, 2013

How to Apply
Interested and qualified candidates should apply on the website below

United Bank for Africa (UBA) is accepting CVs from Fresh and Experienced Candidates with qualifications ranginging from OND, HND, and First Degree.

A.) Fresh Candidates (Trainee)


Age limit is 27 (Not more than 27 years by August, 2013)

B.) Experienced Candidates


3 - 4 years experience in Banking or relevant industry.
HND, BSc (no grade specified)

How to Apply
If you are in Lagos, submit your CV at UBA House, 57 Marina, Lagos.
If you are not in Lagos, locate any UBA branch or their Regional head offices in your location and submit your CV.

Saturday, February 2, 2013

Five Hot Degrees for Busy People

These hot online degree programs offer the flexibility to study what you want, when you want.

By Tony Moton
Students in pursuit of college degrees often face a considerable hurdle: time - or a lack thereof.
If this sounds like you, consider enrolling in an online program, which could give you the freedom to earn your degree from wherever there is an Internet connection.
"Online programs clearly are more convenient than the campus experience," says Richard Garrett, vice president and principal analyst for Eduventures, a Boston-based education research and consulting firm.
"Students can choose when to study if they are trying to combine family and study or work and study. It gives you that missing piece of flexibility."
Interested in learning more about online degrees? You're in luck. We took a look at Eduventures' 2011 annual report, "The Big Picture 2011," to get some insight into popular online bachelor's degrees. Keep reading to learn more.

Wednesday, January 23, 2013

Agency Announces New Rules to Protect Distressed Homeowners

Government efforts to make the housing market safer for consumers continued as regulators announced rules intended to protect borrowers facing foreclosure.
The rules, expected to be introduced on Thursday by the Consumer Financial Protection Bureau, are intended to prevent many of the failings and abuses that occurred after the market downturn.
In its latest rule-making effort, the agency, which was created in response to the financial crisis, has focused on mortgage servicers, the entities that collect the loan payments and are supposed to help struggling borrowers. During the foreclosure crisis, many servicers lost critical paperwork, relied on faulty documents, and made mistakes on loan modifications. Regulators have contended that such practices led to wrongful evictions.

Friday, January 18, 2013

5 Colleges You Can Go to for Free

It's all too easy to be a victim of student debt. According to the College Board, the average price of tuition, fees, room and board for an in-state student at a public college or university is $17,860 for the 2012-13 school year.

For out-of-state students, average costs jump to $30,911 while private nonprofit colleges charged $39,518 on average for a single year of education. With sticker prices skyrocketing, it's no shock that student debt levels and loan default rates are up.

The good news is that you don't have to be a victim. These tuition-free or tuition-reduced schools are easy on the wallet and high on value.

Monday, January 14, 2013

Does son get taxed with Mom's life insurance?

Dear Insurance Adviser,
I recently transferred ownership of my permanent life insurance to my son. I cannot afford the whole life policy anymore, and he doesn't want to pay for it. I paid $79 a month for the past 15 years. I took out a couple of loans over the years. Right now, the cash surrender is less than $4,000. I say there are no taxes due. I have paid more into my policy than the loans I have taken out and the dividends that have been paid to me. My son wants to know if he is going to be stuck paying taxes. I want to pay for my cremation with the money from cashing in the policy. What form should he use on his tax return? I have researched, and I say there won't be any taxes due. Please help. Thank you so much.
-- Disappointed Mom
Dear Disappointed,
What you describe is a tough situation. You can't afford to continue paying premiums, and your son, who apparently can afford them, doesn't want to pay. Kind of a Catch-22!
Unfortunately, because you transferred the ownership to your son, only he can make a decision as to what to do about the policy. He can drop it. He can cash it in and take the $4,000 tax-free. The only mistake you made was not talking to a life insurance expert, who could have explained your options better, before you transferred the ownership.
Your life insurance policy will not be taxable. First, because your cash value is less than the premiums paid, there should be no taxes on the cash if you surrender the policy. And dividends are always tax-free. Second, if you keep the policy, there is no taxation of life insurance benefits paid to the named beneficiary, which I assume is your son.
Besides surrendering the policy, here are some other options that might make sense. They're available to you with a whole life policy, and you don't have to make another premium payment for the rest of your life. (Hopefully your son will go along with your wishes.)
  • Extended term life insurance. You can trade in the cash and receive a prepaid term life insurance policy for the same death benefit as you now have that will cover you for several years into the future. This is a good option if you are not in good health.
  • Reduced paid-up whole life insurance. You can exchange your existing policy for another whole life policy for a lesser death benefit that will be paid up, without any further premiums due for as long as you live.
Now that I have answered your questions about taxes, I have a question for you: Since the purpose of life insurance for you is just cremation expenses, why not take the cash and dividends, and use them to pay for a prepaid cremation? (Hopefully, your son will do the eulogy at no charge!)
Good luck!

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Thursday, January 10, 2013

10 tips about mortgages and refinancing in 2013

If you've been sitting on the sidelines, waiting for the best time to refinance or get a mortgage to buy a home, think of 2013 as your last chance to act.
With good credit, persistence and some shopping skills, you can still snag phenomenal deals this year -- even if you are underwater on your loan.
Here are 10 mortgage tips to help you with your mortgage decisions in 2013.