May 29, 2017

Let It Be (Ko-di-li)

One of my favourite quotes i learnt from Secondary School is “Sitting still and wishing makes nobody great. The good Lord sends the fishing but you must dig the bait”. In other words, ‘action’ is key. 

It is this view that makes me restless and consumed with worry when i think i’m in a situation that doesn’t make sense or appears to be stifling. I remember one of my previous work experiences, many times i felt i was doing work that didn’t make sense and i couldn’t wait to leave. It later dawned on me after i began to settle into a new job that all i did in the past was useful. Some were useful for the new job..others for my personal growth. I find myself interested in political news, recognising names in the financial industry, able to contribute to supposed complex discussions, etc.

In view of this, i think we sometimes just need to ‘let things be’. In my Igbo dialect, we’ll say ‘Ko-di-li’. Given my restless nature, it’s ironic that is my name (though mine is ‘Kodilichukwu’ meaning: let it be to God) . Anyway, what I’ve learnt is that it will all make sense at the appropriate time. I hope this view stands the test of time. Lol.

January 1, 2017

Key Lessons for 2017

Yeah Yeah… I’ve come again with writing articles only at the beginning of the year and disappearing afterwards. I can’t even promise it won’t happen again… Anyway, I thought I should share with you some things I learnt from 2016, which will put me in a better position in 2017.
    1.    A lot of bad things can happen in one year. I don’t know about you, but I knew several people that died in 2016, and others that struggled to live through the economic recession. Therefore, endeavor to be prepared…spiritually, financially, etc.
    2.     A  lot of good things can happen in one year. Several people completed academic programs, some got promoted in their jobs, others got new jobs and many got engaged and married. Therefore, don’t give up!
    3.    It’s always good to pause before reacting or responding to people’s bad behavior or negative comments. Most times, insults or arguments are not just worth it.
    4.   (Two) girls can actually live together in peace in one house contrary to the popular view that they will always fight. It’s all about showing respect for one another.
    5.    Being stubborn does not pay. At the end, na you go suffer am!
To conclude, God is still God in spite of everything happening so let’s continue to praise him (Psalm 117 is very easy to memorize)

I pray that 2017 will be a year of fulfillment and may God direct us in His ways. Amen. 

Happy New Year!!!


January 4, 2016

It is Okay to start with Small Dreams


In our world today, there is a lot of emphasis on ‘dreaming big’ as a way of encouraging people to work harder towards reaching their potentials. However, this emphasis is sometimes a source of discouragement when it feels like we are not measuring up to expectations. Since little drops of water make the mighty ocean, it is also okay to start from having small dreams. For example, as an unemployed fresh graduate, it is okay to first dream of getting a job in a small organization rather than dream of working in the biggest company in the world. When things get better, you can then revise your expectations. This will prevent you from putting unnecessary pressure on yourself, whilst not forgetting to gather the experience needed to move up the ladder. 

But remember, it is better to have small dreams than not to dream at all! 

So… let us go forward in 2016 with anticipation and preparedness that will help us embrace opportunities. We should also give room for setbacks, which should not dissuade us but rather serve as a sign to reflect on the journey.

I have a gut feeling that 2016 is going to be a defining year in so many ways…a year real development in Nigeria can happen if our leaders put their minds, energy and limited resources to it…a year Arsenal can win the English Premier League if they play well consistently for the rest of the season (Yes yes…other clubs should not hate:)). 

I wish you all the best this year.


P.S

I have a book titled ‘What to do when it’s your Turn’ by Seth Godin, which I want to give out at no cost. You can send me an email if you are interested.

June 24, 2015

Will we all be rich?


I was chatting with a friend about small scale traders I see around my neighborhood. They keep selling their wares till late at night, sometimes up until 10:30pm. Yet, what I realize is that there is really not much progress in their lives. How did I know? My friend who left the country like 3 years ago asked me recently if the woman frying akara and the suya man were still selling around the neighborhood. My answer was yes, they’re still on the exact spot you left them. No expansion, nothing. And it’s really sad because they work hard, work late and yet, nothing. All they get is enough money to last them for a while, and probably to pay for their children’s school fees sometimes (Thank God for that!). No extra cash to expand, go into another business line, get a decent house, take a vacation…they can’t afford not to sell for one day. It got me thinking about what could be done to help these people rise above their current situation.

The first thing that comes to mind is that they need funding to help them expand. Unfortunately, it’s difficult to get funds from formal financial institutions without collateral; small businesses usually have no tangible assets to be used as collateral. Since small businesses are often not formally registered, it is hard for financial institutions to employ the services of credit bureaus to confirm their credit worthiness. Even when financial institutions lend, they do so at a high interest rate to cover up for the high risk from lending without adequate collateral.

Some micro-finance banks (MFBs) have somewhat broken through the ‘collateral barrier’ by disbursing money to groups of small businesses (rather than individuals) and money is repaid as a group. This way, group members monitor each other to ensure they make their contributions in order to avoid bearing the burden of another person’s loan if a member absconds. Even though there are over 700 MFBs in Nigeria, it is still inadequate to cater for the needs of all small businesses. Besides, some of these MFBs have operated fraudulently in the past, which causes distrust amongst other issues.

I think this is an important issue the new government should look into to help fight poverty. The government’s proposal to distribute N5000 monthly is unlikely to yield any meaningful results especially at this time of dwindling government revenues (Some state governments can hardly pay salaries, so where will the money come from?) I believe if the government prioritizes its spending and focuses on bridging the infrastructure gap including fixing electricity, it will create an enabling environment that can go a long way to help. Perhaps, the suya man can also start selling cold drinks to go with the suya if there is reliable power supply. Creating an enabling environment gives everyone an opportunity to make the best of life.


What do you guys think?


Two Other Unrelated Issues

Enforcing Law through Awareness
It’s painful when you’re punished for a crime you weren’t aware of. I think the first response should be to make the culprit aware that what they have done is wrong and show them the right way. You can punish the person if they fail to comply afterwards.

Did you know that it is compulsory by law for professional drivers in Lagos to go through the Lagos State Drivers Institute (LASDRI) for training, after which the driver will be issued a sort of certification card that looks like the regular drivers’ license? That is, professional drivers ought to have the regular drivers’ license and a LASDRI card. Well, I just found out recently after a professional driver I know was asked to pay a fine 20 times the cost of the LASDRI card (N1000), even after explaining that he wasn’t aware of this rule. Whilst I commend the LASDRI initiative as its aim is to ensure that professional drivers are properly trained and reduce road accidents, I think there is need to create more awareness instead of blindly punishing people. To add to the wahala, you’ll still pay tax on the fine, which is sometimes more than the fine.

If you are the owner of a vehicle or you don’t get paid to drive someone then you’re safe and don't need the LASDRI card. If you know of any professional driver (your driver, your parents’ driver, etc), kindly pass this message. You can check out their website at www.lasdri.org


Don’t talk about everything
When a celebrity is in the limelight because of some negative news, it’s tempting to judge them and speak out your mind. Sometimes it’s necessary for correction but other times it is unnecessary. Personally, I feel the fact that some kind of bad news got leaked is embarrassing enough for the celebrity in question. Adding your own insults can sometimes be really cruel. So the next time you’re tempted to insult a celeb, please remember that they too are human beings (As M.I and Tu-baba sang) so they make mistakes.

March 18, 2015

The World needs more Action!

With all the drama happening around the world today; the Russia-Ukraine crisis, ISIS, Boko Haram insurgency in Nigeria, currency turmoil in emerging economies, etc.... one would likely wonder, what more action does she want? The action I want relates to response to crisis. Many people have offered advice on how the different global crisis can be resolved so I won’t repeat them. What I’m concerned about is how we respond to the crises that occur in our individual lives.

I recently heard a story about a child who had been seriously ill for more than a month, yet his parents delayed taking him to the hospital. The boy’s parents claimed that taking him to the hospital would be expensive, which they would not be able to afford. They preferred to pray for him whilst borrowing money to pay for his school fees. This made me angry. Please explain to me, how can a sick child attend school? Where is the rationale behind that decision? Why did the boy’s parents not borrow money to take him to the hospital? What if the boy died? I thought about the Chibok parents that have not seen their children since April 2014. They have theirs with them but are too lazy to do whatever it takes to keep him. I just can’t understand it. Thankfully, the boy has finally been sent to the hospital after the intervention of some friends of his parents. Sometimes, money is not the problem. It is our attitude and mentality that is the problem.

I think we need to do more in responding to crisis. By all means, pray but remember God didn’t create professionals just for the sake of it! Seek their help immediately the need arises. If it’s about the money, why not find out how much it costs to resolve your problem instead of assuming it would be expensive? After finding out how expensive it is, you can then strategize on how to raise the funds.


When responding to crisis, ask yourself if you have really done everything you possibly could to resolve it. Most times, the answer is NO. The past two weeks in Nigeria have shown that Jonathan could have done more long ago in responding to the Boko Haram crisis. Now it seems too late for him to win back the people’s confidence. Please, don’t let it become too late for you. 

October 5, 2014

Are you being yourself?


Hello people,

Hope you're enjoying this sallah break as much as i am. I thought i should leave you with this post in the midst of your jollification. The post is actually about a speech Oprah Winfrey presented to some Harvard graduates in 2013. I can't say I'm an Oprah fan but i was really moved by the speech and thought i should share it with you. Maybe some of you have even seen it. 

You need to watch the video to really grasp the message but i highlighted some points below that i got from the speech. Please watch the video first then the points i highlighted can serve as a reminder about what Oprah said.
Enjoy! (If you like eat popcorn while you watch...hehe). Don't skip any part of the video, please :)





Lessons i learnt


  • At some point, you are bound to stumble
  • There is no such thing as failure...disappointments are just trying to move you towards a different direction
  • Troubles don't last always, this too shall pass
  • Learn from every mistakes, then figure out the next right move
  • Your one and only goal should be to fulfil your highest, most truthful expression of yourself as a human being
  • Don't ask yourself what the world needs but ask yourself what makes you come alive....because what the world needs is people who have come alive
  • Build a resume about not what you want to accomplish but why
  • Use your energy to lift yourself up and the people around you
  • It is your goal or purpose in life that will get you out in times of darkness
  • You'll have doubts about your path but if you listen to the still small voice in your heart, you'll be okay... you'll be successful
  • Don't expect the clarity of your purpose to come all at once...you'll figure it out with time
  • When you learn teach, when you get, give...that's what gives your story purpose and meaning
  • Most of us don't want to be divided..what we want is to be validated...we want to be understood
  • Don't allow enmity to cause you to lose the ability to stand in somebody's shoes and recognise all that we share as a people
  • Be able to have a conversation with people you disagree with
  • Most importantly, Be yourself!

Some can argue that there is no such thing as 'purpose' in life especially in this our Lagos where the hustle is just too much. Most people do all they can to survive rather than find what suits them best. As for me, i choose to believe that things will be better and that one day we'll be able to do things that make us come alive.

I hope this speech challenges us to really think about our actions. If we can all do this, i believe things will work out better for us, for those around us and our country at large.

Kindly share other lessons you learnt from the speech in the comment box. Thanks for reading:) 

August 27, 2014

Before you Judge

You can't understand if you've never been there. You can have empathy but until it actually happens to you, you cannot completely understand. So next time you want to judge someone or take lightly their predicament, remember that you cannot understand unless it has happened to you.

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