Bank customers speak on Banks’ N138bn e-payment charges

The top 10 banks earned N138 billion from charges on electronic payment transactions. This represented 26 per cent increase from the N109.1 billion earned in 2015. Bank customers who spoke to Vanguard, however, differed in their views about this development. ood, but it is double attack on citizens — Adeoye Abiodun COMMERCIAL banks earning N138 billion in 2016 from e-payment charges is a recorded progress on the side of the CBN and commercial Banks. But the question is: how are they utilizing the money. The amounts acquired are not being used to produce any infrastructure or aid the situation of the economy. We pay tax on our money. We pay high fees for e-payment transactions. It is like paying multiple taxes. To me the amount accumulated is too much. It is extortion — Aishat Hammed THE amount is too much. They are extorting money from the masses to enrich their pockets. If you have a sum of N10, 000 in your bank account, after the charges of all e-payment transaction you made have been deducted, you will have only half of the N10, 000 left in your account all in the name of going digital. With this development, only few Nigerians will be financially included. Too high and at customers expense — David Aleakhue THE e-payment system introduced by commercial banks is good but the charges for e-payment transactions are high. I have had an experience of my ATM card being destroyed by a bank because the ATM swallowed my card due to network problem. I was asked to pay for the renewal of another ATM card. All these CBN policies are made to extort money from bank customers. With the state of the economy in 2016, they ended up siphoning N138 billion for e-payment transaction. We, the bank customers, are really suffering. Remarkable progress for the banks — Ugwuru Tonia THE N138 billion derived by commercial banks from e-payment transactions in 2016 shows that the banks are making remarkable progress. Commercial banks are business enterprise which must meet their target. This is the ultimate aim of any business. The banks have a lot of responsibilities to meet up with. The maintenance of their systems, payment of salaries and running of all aspect of the business requires fund. I think this is a wonderful development.

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Federal Republic of Nigeria’s Proposed Diaspora Bonds Assigned ‘B’ Issue Ratings – S&P Global Rating

S&P Global Ratings said today that it has assigned its ‘B’ long-term issue ratings to the proposed U.S. dollar-denominated Diaspora  bonds to be issued by the Federal Republic of Nigeria (B/Stable/B).

 The amount and interest rate, among other details of the bond, will be determined during the placement.

Copies of the final prospectus relating to the Bonds, when available, may be obtained by contacting:

 1.  Bank of America Merrill Lynch, Attn: Prospectus Department, NC1-004-03-43, 200 2 North College Street, 3rd floor, Charlotte, NC 28255-0001;  and for requests outside the United States, through

2.  The Standard Bank of South Africa Limited; 3rd Floor, East Wing,30 Baker Street, Rosebank, Johannesburg 2196 South Africa;

3.  ICBC Standard Bank Plc (the distribution agent of The Standard Bank of South Africa Limited in the United Kingdom) 20 Gresham Street, London EC2V 7JE, United Kingdom;

4.  FBN Merchant Bank Limited, 10 Keffi Street, Ikoyi, Lagos, Nigeria; or

5.  United Capital Plc, 12th Floor, UBA House 57 Marina, Lagos, Nigeria

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Fitch gives unimpressive rating of Nigeria’s $300m diaspora bond

By Yinka Kolawole, with Agency Report

DESPITE the marked improvement in Nigeria’s foreign exchange market, the external sector and the macro-economic fundamentals, Fitch Ratings, yesterday, assigned Nigeria’s upcoming dollar-denominated senior unsecured bonds an expected rating of ‘B+(EXP)’. This indicates that the relative stability in the foreign exchange market with reversal of the slide in gross domestic products, GDP, did not reflect in the expectations for the bond offer. Recall that on January 24, 2017, Fitch affirmed Nigeria’s long-term foreign-currency IDR at ‘B+’ and revised the outlook to negative from stable. The long-term local-currency IDR was also ‘B+’ with a negative outlook, all reflecting the trepid foreign exchange market and sustained recessionary pressures. The agency said the assignment of the final rating is contingent on the receipt of final documents materially conforming to information it already reviewed. It also noted that the expected rating is in line with Nigeria’s Long-Term Foreign-Currency Issuer Default Rating (IDR) of ‘B+’. “The Outlook on the IDR is Negative. The rating is sensitive to changes in Nigeria’s Long-Term Foreign-Currency IDR. On January 24, 2017, Fitch affirmed Nigeria’s Long-Term Foreign-Currency IDR at ‘B+’ and revised the Outlook to Negative. The Long-Term Local-Currency IDR was also affirmed at ‘B+’ with a Negative Outlook,” the agency stated. Recall that the Debt Management Office (DMO) last week said it will commence a ten-day roadshow in June in the United States, UK and Switzerland, for the country’s first diaspora bond of $300 million. Specifically, DMO said the roadshow kick-started on Tuesday with investment meetings in Britain while Switzerland and the United States follows. It also said that Bank of America, Merrill Lynch and Standard Bank of South Africa are joint lead managers for the sale. The debt office said it had filed a registration statement for the bonds with the U.S. Securities and Exchange Commission, adding that an application would be made for the bonds to be admitted to the official list of the UK Listing Authority and the London Stock Exchange to ensure that the bonds are traded on the London Stock Exchange’s regulated market. The debt office, however, said it expects pricing for the bonds to occur following the investor meetings and subject to market conditions.Customs revenue rises with N136bn seizures

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Senate seeks CBN’s intervention to curb soaring lending rate

By Adewale Sanyaolu

The Senate on Tuesday urged the Central Bank of Nigeria (CBN) to intervene to save the economy from rising borrowing costs that are not compatible with the Federal Government’s effort to enhance business transactions.
The advice comes as the CBN, the regulatory authority, has continued to insist it cannot reduce interest rate in the country, currently at between 25 and 30 per cent, to avoid worsening the inflationary pressure on the economy.
The banking sector regulator had reenforced its position at the last Monetary Policy Committee (MPC) meeting in Abuja where it left the benchmark lending rate, Monetary Policy Rate (MPR), unchanged for the 7th successive time at 14 per cent.
But at the round-table between the Senate and interest groups in the country’s financial and business sectors in Abuja on Tuesday, the Senate President, Bukola Saraki, frowned at the decision to keep lending rate unchanged, saying it was stifling businesses.
“The economy will not grow despite the current efforts by the Federal Government to revive it, if interest rates charged by banks remained high,” the Senate President said.
In attendance at the meeting held behind closed doors after the opening session were representatives of the CBN, Deposit Money Banks (DMBs), development finance institutions, Chartered Institute of Bankers of Nigeria (CIBN), Nigeria Deposit Insurance Corporation (NDIC), Manufacturers Association of Nigeria (MAN), Nigerian Association of Small and Medium Enterprises (NASME), Nigerian Association of Chambers of Commerce, Industry, Mines and Agriculture (NACCIMA), among others.
During the opening of the forum, Saraki said despite government’s new initiatives to boost growth in the economy, Nigerians were still concerned about the impossible interest rate regime businesses were facing to survive.
Meanwhile, despite the recent injection of millions of intervention funds into the foreign exchange market by the Central Bank of Nigeria (CBN), manufacturers early this week raised the alarm over the increasing liquidity constraints in the financial system, saying the development was taking a toll on businesses.
Director General of the Lagos Chamber of Commerce and Industry (LCCI), Mr. Muda Yusuf, in a communiqué of the council meeting of LCCI, lamented that some companies are not able to draw from facilities to fund their forex requirements.
‘‘This is taking a toll on the business of these companies as some of them cannot provide the cash backing for forex demands.  The liquidity problem is a consequence of the mopping of liquidity in the financial system, the tight monetary policy stance and the increasing crowding-out effect on the private sector by government borrowing in the financial system,’’ he said.
On ease of doing business, he said the council commended the various policy measures put in place to improve the business environment while equally applauding the Executive Orders and the acts on the movable collateral and credit registry.
Yusuf noted that the initiatives would create the right environment for business and boost investors’ confidence.
‘‘The LCCI council also applauded the National Assembly on the efforts at providing enabling legislations to boost the inflow of private sector capital to complement the capital budget spending of the government, especially on infrastructure.
“Council noted the recent Business Environment forum between the National Assembly and the private sector on legislations would boost private investment in the economy.”

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Equities on the floor of Nigerian stocks Exchange yesterday closed trading on a negative note as the all share index dropped -0.28%.NSE All Share Index was 33,141.85 down -0.28%.While Market capitalization closed at N11.460 trillion. A total turnover of shares traded was 410,223,496. in 6,167 deals. exchanged hands.

Taming market infractions through expulsion

Stock markets all over the world are information driven. This is because investors do not see the physical products such as shares and stocks of companies they are buying but rather take investment decisions based on information about the companies that are issuing those shares and stocks.Read more

Skye Bank Promises to Release 2016 Audited Accounts Soon

Skye Bank Plc on Tuesday said its audited financial results for the year ended December 31, 2016, would be released soon. In a notification to the Nigerian Stock Exchange (NSE), Skye Bank said most of the challenges faced in the completion of the audit exercise have been surmounted.
According to the bank, the results are with the Central Bank of Nigeria, for approval.Read more

FG to raise $600m from SWF, NSE for mining

he Federal Government has started the process of raising $600m for the development of the solid minerals sector, Acting President Yemi Osinbajo has said. Osinbajo said this in a keynote address delivered at the opening of the National Mining Summit in Abuja on Tuesday.Read more

Naira firms up as CBN resumes intervention with $418m

The exchange rate at the parallel market remained stable at N367 to the dollar yesterday, as the Central Bank of Nigeria (CBN) again injected $418m into foreign exchange market.

The intervention, which cut across various segments of the inter-bank forex market, was aimed at pushing for the convergence of various market rates and resumption of support for the Naira, after a week lull.Read more

FSDH forecasts May inflation at 16.13%
DESPITE the significant increases in retail prices, a year-on-year (YoY) tracking of Nigeria’s inflation factors indicates that base effects would yield a huge drop in headline index to 16.3 per cent for the month of May 2017, a massive 94 basis point deceleration from 17.24 per cent recorded in the preceding month.Read more at:

Oando concludes 396.8m shares debt-to-equity deal

Oando Plc yesterday concluded a debt-to-equity conversion with the listing of about 396.8 million ordinary shares that resulted from the transaction at the Nigerian Stock Exchange (NSE). The transaction was valued at N3.17 billion at the closing value of the integrated energy group.Read more

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12-yr-old girl helps deliver baby brother

The pictures of the 12-year-old girl helping to deliver her baby brother were shared by a Facebook user Nikki Smith on June 8, and since then they have been breaking the Internet.

By: Trends Desk | New Delhi | Published:June 12, 2017 8:33 pm

sister helps to deliver brother, viral images of sister helping her brother deliver, viral photos, indian express, indian express news

The girl Jacee described it as one of the best moments of her life. (Source: Nikki Smith/Facebook)A lot goes inside a delivery room. While a baby is ushered into this world, there are people who assist the mother, and often her husband too accompanies her to help her through the process. But in the case of 12-year-old Jacee Dellapena, things took a rather dramatic turn when she ended up helping the doctor to deliver her baby brother at a hospital in Mississippi.

The pictures of the same were shared by a Facebook user Nikki Smith on June 8, and since then it they’ve been breaking the Internet. They had more than 1.2 million reactions on them and have been shared more than 190,000 times on Facebook, at the time of writing.

“Meet Jacee! This 12 year old helped deliver her baby brother and the emotions on her face is too amazing not to share! You’re a superstar jacee!” Smith wrote while sharing the images.

Speaking to MSN News Now, the little girl recounted what prompted the doctor to do what he did.
“I started crying because I thought I wasn’t going to get to see him be born, because I was too short.” She wanted to witness the moment and strangely the doctor, Walter Wolfe asked her to help him.

“Doctor Wolf said, ‘Why don’t you just let her suit up and deliver the baby?” And I said ‘What? No!’” Jacee’s mother, Speaking to MSN News Now, the little girl revealed what prompted the doctor to do what he did. “I started crying because I thought I wasn’t going to get to see him be born, because I was too short.” She wanted to witness the moment and, strangely, the doctor Walter Wolfe asked her to help him.

Dellapena’s wife also wrote about the unique experience on a Facebook page Love What Matters how Jacee wanted to attend her second sibling’s birth 18 months ago but was not allowed since she was too young. “So this pregnancy her dad and I discussed it and decided it might be a good learning experience for her!” she wrote.

Jacee’s mom came to the hospital with her husband, and as the process started, the hospital staff converted her bed to help her push. “They converted my bed and Jacee was so upset because she is so short… she thought she wasn’t going to be able to see the delivery over the bed. My doctor, Dr Walter Wolfe then suggested, ‘Jacee why don’t you suit up and come deliver the baby.’ I was in shock lol! I told her as long as zack doesn’t care go ahead and he said ‘go for it Jacee!’ She got suited up for delivery. Although the pain from the contractions and the pushing hurt me so bad… watching Jacee’s expressions on her face were like no other. Concentrating on her face while I pushed helped me so much! Dr Wolfe actually put her hands on the inside of his and allowed her to do the entire delivery. We were all very emotional and it was like no feeling I’ve ever felt. it’s not every day your eldest child at 12 years old gets to deliver your last child,” she wrote.

Though majority of people are loving this, there are also few who felt the experience could perhaps have been traumatic for young Jacee. Hitting out at the detractors, Smith wrote,  “I am so glad jacee is being seen all over the world! Although some of you may not agree with her helping deliver her baby brother, this beautiful moment will always be remembered by both her mother and herself. If you don’t like the post just keep scrolling, no need to comment and speak negative. Birth is a natural process and there is absolutely nothing wrong with allowing her daughter to witness this beautiful moment. It’s not for everyone but jacee was a rockstar and helped deliver a newborn! I don’t know about you but I wouldn’t have when I was 12! Mother and baby are being discharged home today and jacee is ecstatic about the feedback she’s getting.”

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Trading activities on the Nigerian stocks Exchange yesterday closed on a negative note as the all share index dropped by -0.12%.The NSE All-Share Index and market capitalization closed at 33,235.28 and N11.5 trillion respectively.In all a total turnover of 501.081 million shares exchange hands in 6,635 deals in the day’s trading.
$500m Eurobond oversubscribed by 240% – UBA
The United Bank for Africa Plc on Monday said it had raised $500m through a debut Eurobond, which was oversubscribed by 240 per cent.The significant investor demand reflects the strong global investor appetite for UBA’s credit and support for the group’s pan-African financial services strategy”, the lender said in a statement.Read more
Rights issue spurs resurgence of primary market activities
Capital market experts have expressed optimism that the high level of participation from investors in the on-going right issues of some quoted companies on the Nigerian Stock Exchange (NSE) would stir up activities in the primary market segment as well as spur the revival of public offers.Read more
Osinbajo signs 2017 budget after Buhari’s nod
AFTER President Muhammadu Buhari gave the go ahead, acting President Yemi Osinbajo on Monday assented to the 2017 budget.
He performed the ceremony in his office flanked by Senate President, Bukola Saraki; Deputy Senate President, Ike Ekweremadu; Speaker of the House of Representatives, Yakubu Dogara; Chief of Staff to the President, Abba Kyari, minister’s and other top government officials.Read more
15 Banks Record N4.47trn In Shareholders’ Funds
About 15 commercial banks operating in the country have reported N4.47 trillion in shareholders’ funds in 2016 attributed to their efforts at enhancing the quality and ensuring financial system stability.The said banks had reported N3.99trillion shareholders’ funds in the previous year, an increase of 11.7 per cent or N471 billion. The banks include Zenith Bank Plc, a Tier-1 commercial bank with the highest shareholders’ funds in the banking industry. It was followed by First Bank Holdings Plc and Eco Transnational Incorporated Plc. Read more
CBN injects $413.5m in economy to sustain Naira value
The Central Bank of Nigeria (CBN) yesterday intervened in the inter-bank Foreign Exchange market to the tune of 413.5 million dollars to further shore up the international value of the Naira.In a statement in Abuja  by its acting Director, Corporate Communications, Mr Isaac Okorafor,  the apex bank said the latest intervention underscores the apex bank’s resolve to sustain liquidity in the foreign exchange market.Read more
NIPCO names helmsmen for N90bn Mobil acquisition, others
NIPCO Plc has announced names of helmsmen for the N90 billion acquired ExxonMobil Oil Corporation’s stake in Mobil Oil Nigeria Plc and the entire corporation. The company said in a statement said its management had approved new appointments with the elevation of the former Managing Director, Mr Venkataraman Venkatapathy, to the position of Group Managing Director (GMD). The acquisition was buoyed by the deregulation in the downstream petroleum industry by the Federal Government of Nigeria.Read more
Forex: Lafarge hedges $300m with CBN for futures contract
In order to guard against further foreign exchange (forex) losses, Lafarge Africa Plc has hedged $300 million with the Central Bank of Nigeria (CBN) in non-deliverable Futures contracts just as it plans to float N140 billion  Rights Issue to reduce its initial hard currency exposure.Read more
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Tech Stocks May Be Both Cheap—and Risky (AAPL, FB, GOOGL)

As a sign of vulnerability in the (so far) high-flying technology sector, many of the biggest names tumbled towards earth on Friday. Among the so-called FAANG five, the declines for the day were: Facebook Inc. (FB

Facebook Inc

), 3.3%, Apple Inc. (AAPL

Apple Inc

), 3.9%, Inc. (AMZN Inc

), 3.2%, Netflix Inc. (NFLX

Netflix Inc

), 4.7%, and the parent of Google, Alphabet Inc. (GOOGL

Alphabet Inc

), 3.4%, per Investopedia data. The tech-heavy Nasdaq 100 Index shed 2.4% of its value on Friday, per data from Nasdaq, while the tech stocks in the Nasdaq 100 were off by 3.6%, also per Nasdaq. As a point of comparison, the S&P 500 Index (SPX) dipped by less than 0.1%. (For more, see also: The Tech Bubble Will Burst: The Question Is When.)

Eggs in One Basket

On Thursday, Bank of America Merrill Lynch, a division of Bank of America Corp. (BAC

Bank of America Corp

), released a report indicating that the tech sector offers both risks and opportunities for investors. In May, tech was both the best-performing S&P 500 sector and the one whose price-earnings (P/E) ratio increased the most, according to Merrill Lynch. At approximately 19x as of the report’s issuance, Merrill notes that this is the tech sector’s highest valuation since the financial crisis.Moreover, tech is more overweight than it ever has been, among large cap actively-managed funds surveyed by Merrill since 2008. In their May 30 Active Managers’ Holdings Update, Merrill notes that survey respondents are 24% overweight in tech, almost two standard deviations above average. Yet more striking is the fact that fund managers are 71% overweight in FANG stocks (Merrill excludes Apple), though this weight has been flat for a year. The bigger picture is that funds have made a record shift from value to growth sectors over the past 12 months, leading Merrill to prefer value to growth right now. (For more, see also: The Gold Rush into Tech Is Still on.)

Conflicting Valuation Signals

Nonetheless, Merrill says, “But although Tech’s 8% premium to the S&P 500 P/E is the biggest premium we have paid since 2010, it is still low relative to history, even excluding the Tech Bubble.” Moreover, Merrill finds that all industries within the tech sector are sporting P/E ratios that are lower than or in line with their “historical average relative P/E multiples.” Closing out the positives, Merrill says that tech screens as most attractive according to their quant models.

On the other hand, based on its enterprise value (EV) to sales ratio, tech is trading at its highest relative multiple since the tech bubble. Exclude the bubble period, and tech currently is still valued well above the average for this metric, Merrill says. Additionally, Merrill finds that inconsistent accounting treatment of stock-based compensation, which is a large expense for most tech companies, might cause tech’s P/E to be understated by as much as 10%. Bottom line: Merrill is marketweight in tech, based on these conflicting valuation signals.



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Thoughtfully Engaging Today’s Issues

Would Bernie Sanders vote for Jesus?
Dr. Jim Denison | June 12, 2017
President Trump has nominated Russell Vought as deputy director of the White House Office of Management and Budget. Last year, Vought wrote a blog post in which he stated, “Muslims do not simply have a deficient theology. They do not know God because they have rejected Jesus Christ his Son, and they stand condemned.”

Senator and former presidential candidate Bernie Sanders is opposing Vought’s nomination, calling his blog post “indefensible.” In Sanders’s view, “It is hateful. It is Islamophobic. And it is an insult to over a billion Muslims throughout the world.” He then stated, “This nominee is really not someone who is what this country is supposed to be about.”

Southern Baptist ethicist Russell Moore rightly notes that Sanders completely ignores Article VI of the US Constitution, which states, “No religious Test shall ever be required as a Qualification to any Office or public Trust under the United States.” Sanders has no right to oppose Vought’s nomination on the basis of the candidate’s personal religious beliefs. The senator’s position is clearly unconstitutional.

Here’s another reason Sanders’s opposition is so significant: by his standard, Jesus could not serve in American public office. Our Lord said of himself, “Whoever believes in him is not condemned, but whoever does not believe is condemned already, because he has not believed in the name of the only Son of God” (John 3:18). Muslims, while they consider Jesus to be a great prophet, emphatically deny that he is the Son of God: “Jesus was no more than a mortal whom Allah favored and made an example to the Israelites” (Qur’an 43:59).

So Jesus would agree with Russell Vought that Muslims “stand condemned.” Would Bernie Sanders vote against Jesus for public office?

Andrew Bacevich’s fascinating recent article in Commonweal describes our culture well: “Anything that enlarges choice is commendable,” while “anything that inhibits choice calls for critical examination.” From abortion to euthanasia, personal freedom reigns supreme. Claiming that a religion or moral position is objectively wrong violates our oxymoronic commitment to subjective truth.

As a result, we can expect Christians who stand for objective biblical truth to face increasing opposition in American life. Pastor and professor James Emery White is right: “In current American culture, you are free to be a Christian as long as you don’t actually live out your faith, vote your faith, take a stand in relation to your faith, or believe others should embrace your faith.”

White cites a visit to the Vatican by British Cabinet Minister Baroness Warsi, who stated: “My fear today is that a militant secularization is taking hold of our societies . . . one of the most worrying aspects about this militant secularization is that at its core and in its instincts it is deeply intolerant. It demonstrates similar traits to totalitarian regimes—denying people the right to a religious identity. . . . You cannot extract Christian foundations from the evolution of our nations any more than you can erase the spires from our landscape.”

White concludes, “And before anyone says, ‘There’s another alarmist Christian right-winger for you,’ think again. Sayeeda Warsi is a Muslim.”

Peter said of Jesus, “There is no other name under heaven given among men by which we must be saved” (Acts 4:12). If you agree, will your witness match your theology today?

Jim Denison’s Daily Article
Jim Denison, Ph.D., speaks and writes on cultural and contemporary issues. He produces a daily column which is distributed to more than 113,000 subscribers in 203 countries. He also writes for The Dallas Morning NewsThe Christian PostCommon Call, and other publications.
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