Emmanuel Ukpoji Livinus

Sleuth | Salt | Light |

Cyber security professional

[Emmanuel Ukpoji Livinus @emmalivy]

@HelloHatrik @Joshstilldey @AbahOLivinus @Tr3pple__M 🤣😂😂

[Cybersafe Foundation @cybersafehq]

It’s not always the big things.

Sometimes, it’s the small moments we overlook.

Start with this habit today.

#CyberSecurity #StaySafeOnline #CyberSafeFoundation

[Emmanuel Ukpoji Livinus @emmalivy]

@hayzeeonline Price?

[Emmanuel Ukpoji Livinus @emmalivy]

Sometimes, you pick up the phone to dial a loved one only to realise that even if the call goes through, no one will pick, and even if someone picks, it won't be them.

The realisation is a difficult one to deal with, but then we find comfort in God.

[Emmanuel Ukpoji Livinus @emmalivy]

@ypfonlineHQ Stay and build a business with a grant

[Leading Nigeria's Conversation @LNCtoday]

🔹 EXPLAINER 1

“Do I Pay Tax If I’m Just Surviving?”

Short answer: No.

Example:
If you earn ₦60,000 per month (₦720,000 per year),
👉 You pay ₦0 income tax.

Why?
The new tax law protects people earning below the ₦800,000 yearly threshold.

🧠 Survival income is no longer taxed like luxury income.

⸻

🔹 EXPLAINER 2

“Who Is This New Tax Law REALLY For?”

Not everyone.

It targets:
✔ People who earn well above basic living needs
✔ Big earners who previously avoided tax
✔ High-value business and investment income

It does NOT target:
❌ Petty traders
❌ Low-income workers
❌ Daily survival hustlers

📌 If you earn little, the law leaves you alone.

⸻

🔹 EXPLAINER 3

“I Sell Food / Ride Keke / Do Hair — Am I Affected?”

Example:
A food seller makes ₦2,000 profit per day
That’s about ₦60,000 per month

👉 Under the new law: No income tax

The intention is simple:
🧠 Feed your family first. Tax comes later, when capacity comes.

⸻

🔹 EXPLAINER 4

“What About All These Multiple Taxes We Pay?”

Before:
•Market levy
•Union levy
•Council levy
•Agency levy
•Random roadside tickets

Now, the goal is:
✔ One clear tax identity
✔ Less overlap
✔ Less confusion
✔ Fewer illegal collections

📌 The aim is order, not chaos.

⸻

🔹 EXPLAINER 5

“If I Earn More, Will Tax Wipe Me Out?”

No.

Example:
If you earn ₦150,000 per month,
You don’t pay tax on everything.

You only pay tax on the portion above the free threshold.

🧠 Your survival money stays protected.

⸻

🔹 EXPLAINER 6

“I Live Abroad — Am I Now Being Taxed?”

Short answer: No, not on your foreign income.

If you:
✔ Live abroad
✔ Earn abroad
✔ Pay tax abroad

👉 Nigeria does NOT tax that income.

📌 You are only taxed in Nigeria if the income is earned in Nigeria.

⸻

🔹 EXPLAINER 7

“I Send Money Home Regularly — What Changes?”

This is important 👇

For the Sender (Diaspora Nigerian):

✔ Your income abroad is not taxed by Nigeria
✔ Sending money home is not income tax
✔ You are not taxed again for helping family

💡 Sending money home is not a crime. It’s support.

⸻

🔹 EXPLAINER 8

“What About Stamp Duty on Transfers?”

Here’s the clarity:
•On local Nigerian transfers above ₦10,000
•A ₦50 stamp duty applies
•The sender, not the receiver, pays it

📌 This applies mainly to local bank transfers, not foreign remittances in most cases.

⸻

🔹 EXPLAINER 9

“If I Receive Money From Abroad, Will I Be Taxed?”

Short answer: No.

Example:
Your brother sends you ₦200,000 from the UK to help with rent.

👉 That is support, not income
👉 You are NOT taxed on it

📌 Unless the money is payment for business or services, it is not taxable income.

⸻

🔹 EXPLAINER 10

“So Why Is Government Doing This?”

Without politics, the intention is:

✔ Protect low-income Nigerians
✔ Stop over-taxing the poor
✔ Bring fairness into who pays tax
✔ Reduce confusion and extortion
✔ Make revenue more predictable

🧠 Less pressure on the poor. More responsibility on those with capacity.

⸻

🔹 EXPLAINER 11

“What Must Government Get Right?”

For this to work, government must:

❌ Stop harassment of small traders
✔ Educate people clearly
✔ Enforce fairly, not selectively
✔ Show visible results from tax money

📌 Trust is the real currency of any tax system.

@NGRPresident @officialABAT @PBATMediaCentre @aonanuga1956 @SundayDareSD @BwalaDaniel @DOlusegun @DrJoeAbah @Omojuwa @renoomokri @segalink @jidesalu

[Emmanuel Ukpoji Livinus @emmalivy]

@RedHatPentester Congratulations

[Emmanuel Ukpoji Livinus @emmalivy]

That's quite a number. Password should just be one way of authentication. You should be using multiple factors to authenticate your account. Platforms should also provide that option.

https://t.co/n5vCVeHXdS

[Emmanuel Ukpoji Livinus @emmalivy]

@SolaAdesakin Happy birthday, ma'am. Greater grace for more impact

[Daniel @saxfreak]

84.

#Kumuyiat84

[Emmanuel Ukpoji Livinus @emmalivy]

@obyezeks @Harvard Happy 62nd birthday, ma'am. A healthy and more impactful life. God bless you always

[Emmanuel Ukpoji Livinus @emmalivy]

@saxfreak Oh God...

So sorry.

May God comfort you and all concerned

[Emmanuel Ukpoji Livinus @emmalivy]

Happy New Year, X

Welcome to 2025

[👑ENIOLA🔥of #GenI drinking #NewWinetheAlbum @hereminence7]

DL Twitter!

Are we ready to trend??

Leggoooooo😂😂🚀

#ImpactAcademywithKumuyi
#SoldOutToJesus

[Emmanuel Ukpoji Livinus @emmalivy]

Don't rush the food. Enjoy the flavour.

Don't rush through the word. Enjoy the flavour!

[Emmanuel Ukpoji Livinus @emmalivy]

@Calvary_Man @AfolayanLoveth1 https://t.co/9LUEn0FG2D

[Dr. Allen Harper @allenharper]

Cyber 101: what is social engineering?

Social engineering is like being a con artist, but for the digital age. It's all about tricking people, not computers. Think of it as hacking the human mind instead of a machine.

Here's how it typically works:

1. The Setup:
Attackers gather info about you or your organization. It's like a burglar watching your house to learn your routines.

2. The Bait:
They create a scenario to hook you in. Maybe a too-good-to-be-true offer or a fake emergency.

3. The Trick:
They play on emotions - fear, greed, curiosity, or the desire to help. It's like a magician's misdirection, but way less fun.

4. The Ask:
They'll push you to do something - share info, click a link, transfer money. It often feels urgent, so you don't have time to think.

5. The Payoff:
Once you've taken the bait, they've got what they want - your data, access to systems, or your hard-earned cash.

Common types:
- Phishing: Fake emails or websites (like we discussed earlier)
- Pretexting: Creating a fake scenario to get info (like pretending to be IT support)
- Baiting: Offering something enticing to trick you (free USB drives loaded with malware)
- Tailgating: Physically following someone into a restricted area

Why it's scary:
- It exploits human nature, which is harder to patch than software
- Can bypass even the best technical security measures
- Often hard to detect until it's too late

How to protect yourself:
- Be skeptical, especially of unexpected contacts or too-good-to-be-true offers
- Verify identities independently (don't use the contact info they give you)
- Take a breath and think before acting on urgent requests
- Educate yourself and others about common tactics

Remember, in the world of social engineering, your trust is the weapon they use against you. Stay alert, stay skeptical, but don't become paranoid - just be aware.

If you enjoyed this, ♻️ recycle it, for others.

P.S. Let me know what other topics you want me to explain.

[Dr. Allen Harper @allenharper]

Day 9 of cybersecurity awareness month! Level up by reflection.

[Dr. Allen Harper @allenharper]

Cyber 101: what is ransomware?

Imagine you come home one day to find all your stuff locked in a giant safe. There's a note saying, "Pay us, or you'll never see your stuff again." That's basically what ransomware does to your computer or network.

Here's how it typically goes down:

1. The Sneak-In:
Ransomware usually gets into your system through sneaky means - like a sketchy email attachment or a fake software update.

2. The Lockdown:
Once it's in, it starts encrypting your files. It's like it's putting all your digital stuff into that giant safe we talked about.

3. The Ransom Note:
You'll see a message pop up saying something like, "Oops, your files are encrypted! Pay X amount in Bitcoin to get them back."

4. The Dilemma:
Now you're stuck between a rock and a hard place. Do you pay and hope the bad guys actually give you the key? Or do you say goodbye to your files?

5. The Fallout:
Even if you get your files back, the attackers might have copied your data. Plus, there's no guarantee they won't hit you again.

Some infamous examples:
- WannaCry (2017): Affected over 200,000 computers across 150 countries.
- NotPetya (2017): Caused global damage estimated at $10 billion.

2017 was a bad year for ransomware, but they continue to this day, search Google for more types and events.

How to protect yourself:
- Keep everything updated
- Be suspicious of unexpected emails or messages
- Back up your data regularly
- Use good antivirus software

Ransomware is like a digital kidnapping of your data. It's a nasty reminder that in the cyber world, sometimes the bad guys are after your money, not just your information.

If you enjoyed this, ♻️ recycle it, for others.

P.S. Let me know what other topics you want me to explain.

[Report Fraud @reportfrauduk]

❗️If you’re contacted out of the blue about your pension, stop and think. It could protect your and your money.

❌Always reject unexpected pension opportunities, such as free pension reviews or investment opportunities involving your pension.

🔗https://t.co/f3abGana4a