Retirement

*Retirement*

*1. one day you will retire.* You won't be going to work. You won’t have office power any more. No influence or at best, a reduced influence. Your cash flow will also reduce.! Check retirement date on your payslip.

*2. Always  go for your 30days annual leave.* Whatever you do during your leave, is what you will be doing when you retire. If all you do is to sleep or watch TV, then that’s what you are likely do do in your retirement. Remember the book of Proverbs. A little sleep and a little slumber, so shall your poverty multiply.
Watching Big Brother Naija will not save you heartache in retirement. Learn a trade or a skill during your leave. It will come handy. Spend your after-office hours learning something. Don’t spend it sleeping, Gossiping, watching TV!! Same goes for your weekend. Make them productive. You will thank yourself for spending your time productively.

*3. Invest for your retirement.*.. your children are not retirement investment. Don’t bank on your children’s support or the support of friends or relations. That’s a BIG risk. It may not happen. Be ready to take care of yourself!! Everyone has his own responsibilities. They won’t be able to help you that much. You will also lose your dignity and respect if you adopt a life of begging.

*4. Start a hobby* early in your working days to take you along when you retire. Rearing chicken, farming or own a shop. Acquire marketable skills ( not useless paper certificates) Etc

*5. Where shall you retire.* Build yourself a home. Don't retire and start to rent a house or refuse to vacate government house. You will be at the mercy of your landlord at a time when your cash flow is not only reduced but unpredictable!!

*6. Who shall be your dependants.* By the time you retire, your children should be above 18, and self reliant.

*7. Don't retire and stay in a big city* unless you can TRULY afford it. You can't continue living in a big city after 60 with limited financial resources. The language and the hustle will be hard for you. Where possible, Relocate to a less expensive town where your reduced take home (pension) can go further.

*8. Have property which can be rented or converted into cash*. Have shares that pay good dividends. Plant cash trees. Rear goats, cultivate vegetables etc. these activities will not only give you income but will also keep you healthy.

*9. Live a simple life*. If you never built a house at your rural home, dont use your retirement package to build. It is unwise unless you plan to live there on a permanent basis or you are super rich and therefore can afford the luxury. The choice is yours.

*Note that many of retirees die early because of the following*:

1. They are Not mentally prepared to retire.
2. Lack of finances
3. They Lapse into Depression
4 They develop Hypertension/ Diabetes because of worries, anxiety and uncertainty "and financial pressures.

*YOUR DESK AT YOUR WORK PLACE IS NOT PERMANENT. PLAN  FOR YOUR RETIREMENT. Pls forward to people who u feel can learn from this now. COPIED.

UTME UNiVERSITY OF LAGOS 2018/2019 CUT OFF SCORES

UNIVERSITY OF LAGOS
ADMISSIONS OFFICE
2018-2019 UTME ADMISSIONS CUT-OFF MARKS
FACULTY OF ARTS	MERIT	CATCHMENT
		EKITI	LAGOS	OGUN	ONDO	OSUN	OYO
Creative Arts	63.05	58.75	59.925	60.625	57.575	58.025	55.575
English	65	61.025	61.65	63.4	61.85	60.875	61.575
French	60.525	56.425	55.175	57.45	57	57.925	58.875
Russian	58.325	NIL	NIL	58.1	57.425	56.425	56.65
History And Strategic Studies	64.8	53.725	59.875	63.5	60.65	61.375	60.775
Linguistics Igbo/Yoruba	51.45	NIL	NIL	NIL	NIL	NIL	NIL
Chinese	63.35	60.925	62.375	62.175	60.3	59.475	57.825
Philosophy	60.95	55.375	58.15	58.25	58.4	52.9	54.175
Religious Studies	50.525	NIL	NIL	NIL	NIL	NIL	NIL
FACULTY OF BUSINESS ADMINISTRATION	MERIT	CATCHMENT
		EKITI	LAGOS	OGUN	ONDO	OSUN	OYO
Accounting	73.725	68.6	69.475	72.05	67.55	70.525	69.325
Actuarial Science	64.575	57.45	59.4	62.55	58.35	60.375	57.4
Insurance	63.725	57.175	56.925	62.725	60.25	60.95	60.825
Business Administration	64.325	60.5	60.85	62.7	57.575	62.15	60.075
Finance	66.225	60.075	63.2	64.9	61.125	63.075	62.6
Industrial Relations And Personnel Mgt	63.325	57.2	60.9	62.8	57.275	60.425	60.825
COLLEGE OF MEDICINE	MERIT	CATCHMENT
		EKITI	LAGOS	OGUN	ONDO	OSUN	OYO
Nursing	63.675	63.425	62.2	63.425	63.35	61.65	62.275
Medicine & Surgery	81.525	79.15	80.1	80.45	80.35	79.75	76.725
Physiotherapy	72.775	72.225	71.65	72.625	71.225	71.7	70.875
Radiography	71.675	71.525	69.65	67.9	71.5	71.15	70.675
Medical & Laboratory Science	71.4	68.725	70.3	69.15	70.725	68.925	69.825
Pharmacology	68.025	63.075	65.7	65.475	65.45	66.75	64.9
Physiology	67.4	61.125	65.975	66.3	65.8	62.425	65.75
Dentistry	70.125	68.775	67.95	66.975	69.375	67.775	69.65
FACULTY OF EDUCATION	MERIT	CATCHMENT
		EKITI	LAGOS	OGUN	ONDO	OSUN	OYO
Adult Education	55.175	51.375	47.4	52.65	54.925	53.45	51.85
Education Economics	60.875	57.375	57.5	60.225	54.725	55.05	56.55
Education Business	61.475	55.775	59.9	60.35	60.825	60.05	59.05
Education Islamic Religion Studies	53.85	NIL	NIL	NIL	NIL	NIL	NIL
Education Igbo	50.975	NIL	NIL	NIL	NIL	NIL	NIL
Education English	65.125	62.4	59.925	64.075	64.775	60.55	62.675
Education Early Childhood	60.5	58.125	59.05	59.475	56.3	59.175	55.775
Education Yoruba	52.325	NIL	NIL	NIL	NIL	NIL	NIL
Education French	48.85	NIL	NIL	NIL	NIL	NIL	NIL
Education History	60.9	NIL	55.8	60.375	NIL	59.825	55.8
Education Christian Religion Studies	60.425	52.05	NIL	58.8	NIL	NIL	53.8
Education Geography	55.05	NIL	NIL	NIL	NIL	NIL	NIL
Educational Administration	59.625	55.3	58.275	58.25	56.575	55.875	52.3
Educational Foundations	57.225	55.9	52.925	54.275	53.7	54.6	55.05
Health Education	49.35	NIL	NIL	NIL	NIL	NIL	NIL
Human Kinetics	57.525	50.625	51	55.375	52.55	52.8	54.2
Education Biology	59.125	49.8	52.075	57.05	56.4	56.95	54.575
Education Chemistry	54.925	54.2	53.65	51.775	52.85	51.375	51.75
Education Home Economics	53.725	NIL	NIL	NIL	NIL	NIL	NIL
Education Integrated Science	48.75	NIL	NIL	NIL	NIL	NIL	NIL
Education Mathematics	60.175	56.375	57.675	59.2	55.625	54.575	54.825
Education Physics	53.2	NIL	NIL	NIL	NIL	NIL	NIL
Education Technology	51.4	NIL	NIL	NIL	NIL	NIL	NIL
FACULTY OF ENGINEERING	MERIT	CATCHMENT
		EKITI	LAGOS	OGUN	ONDO	OSUN	OYO
Biomedical Engineering	58.625	NIL	NIL	NIL	NIL	NIL	NIL
Chemical & Petroleum Engineering	74.65	65.775	65.475	72	67.8	72.3	71.775
Civil & Environmental Engineering	74.725	68.475	72.95	71.175	64.5	69.15	73.1
Computer Engineering	76.025	73.475	72.275	70.25	71.775	67.8	72.975
Electrical & Electronics Engineering	79.2	70.35	75.475	76.35	74.925	72.7	72.075
Mechanical Engineering	79.275	74.675	74.275	77.425	75.1	74.525	73.55
Metallurgical & Material Engineering	66.925	63.775	65.475	66.1	63.45	62.325	63.85
Petroleum & Gas Engineering	72.05	64.625	70.375	71.05	68	66.625	67.65
Surveying & GeoinformaticsEngineering	65.925	NIL	63.725	64.5	60.65	64.85	63.175
Systems Engineering	74.725	62.225	72.275	74.15	68.05	69.4	70.125
FACULTY OF ENVIRONMENTAL SCIENCES	MERIT	CATCHMENT
		EKITI	LAGOS	OGUN	ONDO	OSUN	OYO
Architecture	75.275	70.5	72.65	74.025	69.1	70.675	70.975
Building	64.425	61.1	59.625	62.15	60.75	63.275	58.975
Estate Management	62.65	60	58.475	59.375	54.6	57.325	58.775
Quantity Surveying	67.65	60.225	65.525	66.925	63.5	65.65	63.15
Urban & Regional Planning	63.5	59.025	58.35	62.575	57.125	61.375	NIL
FACULTY OF LAW	MERIT	CATCHMENT
		EKITI	LAGOS	OGUN	ONDO	OSUN	OYO
Law	71.65	68.55	68.65	69.775	68.075	68.95	67.6
FACULTY OF PHARMACY	MERIT	CATCHMENT
		EKITI	LAGOS	OGUN	ONDO	OSUN	OYO
Pharmacy	75.175	71.725	72.075	73.85	73.725	71.875	73.975
FACULTY OF SCIENCE	MERIT	CATCHMENT
		EKITI	LAGOS	OGUN	ONDO	OSUN	OYO
Biochemistry	68.2	62.925	65.475	64.825	67.7	65.55	67.2
Botany	59.225	52.625	56.175	56.525	56.05	50.15	55.1
Cell Biology & Genetics	64.975	59.275	62.2	64.3	61.475	61.825	63.375
Chemistry	65.15	60.4	63.05	63.975	58.65	59.2	60.15
Computer Science	73.85	68.975	72.275	72.525	72.6	71.35	70.85
Geology	69.25	56.75	61.6	65.45	64.55	62.75	64.175
Geophysics	67.875	67.025	59.725	64.9	65	64.2	63.3
Marine Biology	62.225	58.35	59.475	59.975	58.525	58.925	60.15
Fisheries	54.775	NIL	NIL	52.75	54.1	52.55	NIL
Mathematics	68.525	62.75	63.4	66.35	63	60.175	63.9
Industrial Mathemetics	58.8	NIL	NIL	NIL	NIL	NIL	NIL
Statistics	54.9	NIL	NIL	NIL	NIL	NIL	NIL
Microbiology	66.9	64.85	65.4	65.875	64.775	63.525	63.8
Physics	62.325	57.625	56.15	58.325	55.6	54.175	55.225
Zoology	58.925	nil	57.45	55.85	52.6	50.825	57.5
FACULTY OF SOCIAL SCIENCES	MERIT	CATCHMENT
		EKITI	LAGOS	OGUN	ONDO	OSUN	OYO
Economics	71.225	64.525	67.8	69.425	66.25	66.6	66.7
Geography	60.9	56.25	58.05	53.95	52.4	51.15	54.4
Mass Communication	69.3	66.075	66.375	66.8	65.75	66.95	66.1
Political Science	63.825	61.075	60.625	62.25	59.325	60.775	62.7
Psychology	65.85	57.275	64.425	64.775	63.175	61.175	60.175
Social Work	65.2	57.575	61.775	63.825	61.25	63.725	61.35
Sociology	63.825	57.45	62.125	63	59.35	61.55	59.675