Should I ‘Japa’ From Fintech Apps?
Abdullahi introduced me to Cowrywise in 2018, I fell in love with it. I still use it. Ever since these fintechs emerged, life has been easier for people like me.
I can receive and withdraw money anytime without any bank charges. Nobody is asking me to bring NEPA bills and queue before withdrawing my money.
Nobody is ordering me to pick Form A downstairs and check back in the next 10 working days. Haba! Who no like easy access to customer care service?
Why would I have a platform that can provide me with all these benefits and still keep my money in a traditional bank? I was still enjoying Cowrywise when I heard of Piggyvest and Kuda.
In less than two years of operation, Kuda has become the fourth most downloaded app in Nigeria. Tell me, what is another illustration of disruption?
I get daily significant interest for saving my money. Piggyvest gives me the kind of savings interest rate that no bank will ever give me. Every day I wake up, a little amount has been added to my savings.
There was a day I was so broke that I had to withdraw all my accrued interest from Piggyvest and went straight to Mama put. I gave myself an if-I-perish-I-perish stomach care.
Why should I continue with the frustration of stamp duties, ATM card maintenance fees, transfer charges, and the likes, when I can make 25 free transfers with my Kuda account?
If you have a bank account in Nigeria, you will agree with me that nothing is as annoying as receiving debit alerts for sins you did not commit.
I once paid bank charges of ₦50,000 for a single foreign transaction when I could easily use the Barter App.
My Trove App serve as my virtual Bureau de Change. Instead of trading the fiat dollar note with an Hausa man in Sabo, I simply exchange my money between my naira account and my dollar account.
Frankly speaking, if you use any of these fintech platforms, you will agree with me that the speed of transaction is faster than that of most banks.
Almost at the speed at which #Obedient supporters attack Reno Omokri on social media.
Before you eat in any restaurant make sure you make your transfer payment first especially if you use a UBA account, else you may end up washing plates or embarrassing your lineage.
But with a fintech app, you have a higher assurance that before you lift the second spoon of rice, the waiter has received the credit alert.
With fintechs such as Bamboo, Chaka, and Risevest, you can become a shareholder in companies like Facebook, Microsoft, MTN, and other stock-selling companies for as low as ₦1,000.
One day, I got a mail from Netflix notifying me of the Annual General Meeting for all shareholders to discuss the prevailing challenges in the company.
For someone who has no Netflix subscription account, yet has some shares (no matter how small) in the company, I felt like a motivational speaker.
In a digital world and a cashless generation, contactless payment is bae. Download an app. Sign up and get a virtual card for easy online transactions. Seamless lending and insurance too. Mehn! What a great time to be alive.
Nevertheless, fintech is a double-edged sword. As much as these fintech apps are solving a major problem, they are also creating more problems.
The lack of physical branches is a minus, especially when a major problem needs to be solved. Most of these fintech apps make use of social media and email to resolve customers’ complaints.
Sometimes ago, a client sent money to my Kuda Bank but it didn’t reflect in my account. I sent a complaint email to the helpdesk but I did not get a response until after 48 hours.
Before they eventually replied to my email, we had already resolved the issue via Twitter DM. What if I wasn’t on Twitter? What if it was a time-sensitive transaction?
Most fintechs are struggling to meet rural demands. This is why they deliberately exclude a set of people who have no access to the internet.
If you peradventure travel or relocate to a village that has terrible internet networks or a poor mobile signal, fintech apps may not be the best option for you.
How long will you have to travel to the town just to make a transaction on your phone?
More than ever, cyber security has become a major issue in today’s digital world.
Personal data and privacy invasion may not mean much to you until your money and sensitive information becomes a lucrative tool in the hands of the big boys.
Despite the use of blockchain technology, biometric authentication, and data encryption algorithms, the security of user data is still at risk.
Fintechs are the primary targets for hackers. Fintech companies are constantly suffering from data leakage.
The more technology and preventive measures that are developed, the more cybercriminals are studying and innovating counter-measures to beat the systems and discover loopholes in new software and apps.
For instance, some cybercriminals feed on the insecurity and instability that trails the use of public Wi-Fi access points.
According to VMWare, cyberattacks against fintechs increased by 238 percent between February and April 2020 only. A report says that there is a new cyberattack occurring every 39 seconds.
As at 2017, Nigeria was ranked third in cybercrimes globally behind the UK and the U.S. Between year 2000 and 2013, Nigerian financial institutions lost about ₦159 billion to cyber fraud.
Unlike traditional fraudsters, if you use fintech apps, not only are you more vulnerable to cyber hackers, your money and personal data are at stake too.
It means you can wake up one morning to find out that all your hard-earned money has been stolen.
To minimize the possibility of fraud and money laundering, fintechs have become one of the most regulated sectors for most governments across the world.
If the government shuts down Opay temporarily or permanently due to non-compliance or poor regulatory compliance, many people will be in a mess. Not just Opay, but any fintech app that you use.
FinePay is a licensed Fintech startup in Nigeria. In July 2018, A Post No Debit (PND) restriction was placed on its bank account on the instruction of the Nigerian Police Force due to an ongoing investigation into an alleged fraudulent transfer.
That bank account had over ₦500 million. People’s money!
In July 2022, it was reported that Kenya seized $56.7 million from Flutterwave due to suspicious financial transactions and failure to comply with financial regulations in Kenya. Flutterwave was only one of the seven firms ensnared.
$56.7 million! People’s money!
Revolut got flagged by UK regulators. The Nigerian government temporarily froze the account of some fintechs in 2021. One policy and you are gone.
One thing you should always have in mind is that no tech system is infallible.
Any platform that is dependent on technology can shut down at any time. Whether social media platforms or fintech platforms. This is my biggest fear.
The last thing you want is to have a big bill day or a purchase you need to make, only to find that you cannot access your financial accounts because the system is down.
While I have to help you see the great benefits and red flags, whether or not to japa from fintech apps is solely your decision eventually.
© Kingsley Ndimele
Your Reliable Consultant
Disclaimer:
The author of this post has no affiliation with any of the companies mentioned nor is this a marketing campaign for any of the companies mentioned. The opinions shared are entirely his, based on personal experiences too. This post is not a guaranteed reason to patronize any of the companies mentioned. If you do, you do that at your own risk.
Pay Back Your Loan: Your Integrity Is An Investment
During consulting sessions, I advise my clients, “Before you invest your money, make sure you have cleared all your debts first.”
If you think a debtor has nothing to lose, you are not thinking rightly. Apart from the fact that the interest may be compounding, your integrity is at stake. A valuable relationship is at stake too.
You create a bad name for yourself. Even those wey no sabi you, go avoid borrowing you money. Bad name spreads like wildfire.
For me, I feel so restless when I am indebted to someone. The mere thought of you makes my heart do gbim gbim. I love to preserve my dignity. I have a name to protect.
If you want to know the true character of many people, wait till they owe you money. The pride and effrontery at which some debtors challenge and harass you for asking for your money are insane.
Some of them may start to avoid you and may not pick up your calls anymore. The ones that see you often may never speak about it or act like they are suddenly suffering from dementia.
The craziest defaulters are those who intentionally decide not to pay back their debts, even when they have the capacity to pay. Because they think, “He has money. He is more than ₦20,000.”
Just because somebody lent you money does not mean that they have a lot of money.
Most times, it is because they see you as a top priority and decide to put you first. Maybe they have no need for the money at that moment.
And even if they have no plans for the money they lent you, it is none of your business.
There is a difference between borrowing and giving. You borrowed the money; you were not given. A loan is not a gift.
If I earn ₦100,000 per month and borrow you ₦10,000, I have lent you 10 percent of my salary. It means I woke up for three days in the month, took my bath and went to work just to lend you that money.
While I am against the invasion of data privacy and defamation, sometimes, you don’t blame these loans sharks that give short-term loans via Apps.
From my previous experience as a Loan Recovery Agent, I can tell you boldly that some defaulters earnestly deserve every embarrassment.
How would you borrow money with the aim of not paying back? That is pure wickedness.
Your friend or relative will not chase you for your debt the way a bank would. Your friend is not a bank.
Banks don’t mind if you take your time paying back your debt; so far, you pay the minimum amount monthly.
If you go on fun trips and vacations, throw parties or buy new clothes and gadgets when you have not settled your debt, your lender has every right to be angry that you can’t pay them back right away.
If you can afford to buy new things, you should be able to repay your loan.
Even if you have genuine reasons for defaulting, notify your lender duly about your financial situation and negotiate a new repayment plan.
Even if your lender has forgotten that you borrowed money from him, pay it back.
If the money was lent to you in full, don’t pay in installment; pay back in full (except the lender grants you the privilege).
Paying your loan in installment is NOT a right. Sometimes, paying your loan in installment makes the money ‘useless’ for your lender.
If you have borrowed money and find that you can’t pay it back, it’s important to preserve your relationship with your lender till you are able to repay your debt.
If you have the money to pay back, don’t postpone or procrastinate in the name of friendship or familiarity. Don’t use excuses to buy more time. Owó ló n bojú ọ̀rẹ́ jẹ́.
If you care about the relationship, you should also care about paying back the loan as at when due.
Dear onígbèsè, the only reason you borrowed the money is to pay it back. If you don’t have the means to repay, don’t borrow.
Do you need a consulting session or one-on-one coaching regarding your business, money or investment? Reach out to me today.
Kingsley Ndimele
Your Reliable Consultant
Let Your Skills Pay Your Bills
I started teaching in 2011 – the same year I graduated from secondary school. I’ve taught in several schools; private and public, full time and part time, primary and secondary, paid and volunteering.
I was also a Sunday School teacher in the children department at one RCCG parish.
From “A for Apple” to “Markovnikov’s Rule of Addition Reaction”. Name it! I have spent my early youthful days as a classroom teacher.
In March 2019, I was called to prepare a boy for a very competitive entrance examination. Following history and standard of the examination, I knew that it was not going to be an easy feat.
With every passing day, the fear of his parents increased. I had just two months to prepare the boy. Yea! He passed all phases of the examination. He came 6th out of over 250 candidates.
Keep quiet! Who told you that there’s no money in teaching? Teaching, training and consulting is very lucrative. The market is a very big one. We are in a knowledge economy. Coaches are one of the top paid guys today.
By teaching, I was able to raise capital to start my business during my undergraduate days. I may not have the professional certificate required of a teacher, but I have the skills.
There is money in teaching and coaching if you can add some flavor of entrepreneurship to your skills.
If you can teach with premium simplicity and break down technical jargons into easy-to-understand form, you are gonna make it big.
Find your niche and grow there. You have what it takes. Stop loitering around. What you have within you is able to produce what you need around you. Stop the blame game! Stop the entitlement mentality.
Acquire skills and learn how to commercialize them. You can never be poor. Don’t underestimate your skills.
Market your skills shamelessly. Don’t be shy, because nobody will feed you. Hunger is no respecter of person.
Swallow your pride and hustle your way through legitimately. There’s no dignity in always been at the mercies of families and friends.
If you cannot teach, there is something else you can do so well. Some of the skills in high demand include Artificial Intelligence, Business Analysis, Product Management, Blockchain Technology and many more.
Many a time, I was punished thoroughly for making the top list of noisemakers in my class. I still have some childhood scars on my body.
I’ve gotten myself into trouble for talking and I have gotten myself out of trouble by talking. I’ve made great connections from talking.
Even if you are not naturally skilled, through constant practice you can be a pro. Great speakers are not born, they are made. I’m still learning to speak better every day,
Talk is not cheap especially when it is garnished with insights. Gradually, l came to understand that I just needed to be more knowledgeable and charismatic on stage. Reading books on public speaking and watching so many TEDx videos on YouTube has helped me to improve greatly.
Today, I have spoken on many platforms across Nigeria inspiring, training and helping others to find meaning for their lives and businesses, with one-third of my life spent speaking, training and teaching diverse topics.
Speaking to people everyday has become a huge part of my life. It pays my bills. This is why I invest heavily in knowledge.
Think about what you can do for free, package it and do it for a fee. Don’t die in poverty when there are people who are ready to pay you for your skills.
© Kingsley Ndimele
Your Reliable Consultant
How Your Government Writes a Love Letter to Poverty On Your Behalf
No matter how hardworking you are, you may never be wealthy. No matter how consistent you save and invest, you may still die poor.
No matter how frugal you are, you may never experience financial freedom.
Until you understand how politics and policies affect your financial life, you may never know why you need to use your brain when electing leaders into government.
If your salary was ₦200,000 in 2017, it is now worth ₦112,153 in 2022. It has depreciated by 43.92 percent between 2017 and 2022.
If you had ₦10,000 in your account in 2013, it is worth only ₦5,000 in 2022. If you left ₦1 million under your mattress in 2015, it is worth only ₦500,000 today.
Fifteen years ago, an adult could lift ₦20,000 worth of groceries but now, even a 5-year-old can do it. As the value of money goes down, the prices of items go up. That is INFLATION.
When your monthly expenses increase but your income remains the same, you will struggle to save money and it will become almost impossible for you to save. If you cannot invest, you are not leaving the trenches anytime soon.
As of June 2022, every Nigerian was owing ₦200,000. E shock you? The government borrowed the money on your behalf.
Apart from the increased VAT and sinking GDP, yahoo boys have made the cost of living higher. Don’t ask me how. Go to the boutique.
Inflation is not just a Nigerian thing. Even the US experiences inflation.
The highest inflation ever recorded in the US was 29.78 percent in 1778. As of April 2022, the inflation rate in the US was 8.3 percent. UK inflation hit 9.1 percent in June 2022.
Ghana has an inflation of nearly 30 percent. As of May 2022, the inflation rate in Nigeria is 17.71 percent. It was at 18.72 percent in January 2017. It used to be 9.6 percent in 2015.
When you hear these figures, don’t pretend as if it does not concern you. What these double-digit mean is that you are becoming poorer every day.
You don’t need to be an Economist to understand that the price of almost every item has tripled. Except you eat manna from heaven daily or you were a delegate in the last party primaries.
Naira is becoming useless day by day. As of 29th May 2015, $1 was equal to ₦197. As of June 2022, the same $1 is equal to ₦417+ (official rate).
In other words, ₦500,000 in 1977 is worth almost ₦350 million in 2022. That is DEVALUATION.
The reason we always compare the naira to the dollar is that dollar is a higher-valued currency used to trade in the international market.
Inflation and Devaluation remain the biggest thief of wealth. They eat away all your hard-earned money. Unfortunately, they are not likely to go away completely soon.
Poverty is too stubborn, especially when it is inflicted by external forces beyond your control.
It is difficult to build wealth in a country where the political leaders are working very hard to crash the economy.
The question is, when your money is losing value, what can you do about it?
It is the duty of the government and the Central Bank to fight inflation and devaluation, but it is wise for you to protect yourself from these thieves of wealth.
The good news is that you can beat inflation and devaluation. Let me show you 9 ways to inflation-proof and devaluation-proof your money.
- Negotiate lower prices
When you go to market, don’t be afraid to negotiate prices. This will help you to reduce your monthly expenses.
An extra ₦100 there and another ₦200 tomorrow can amount to significant savings at the end of the month.
2. Budget and prioritize
The time of inflation is not when to spend carelessly. This is the time to postpone big purchases. Not everything will always be more expensive.
Some price increase is temporary. Why not wait till it becomes cheaper in the future before you buy?
3. Don’t keep your money idle
The most stupid thing to do during inflation is to stash your cash or save your money in the bank. The interest on a Nigerian savings account is around 1.25 percent per annum.
To beat the inflation rate of 17.71 percent you need an interest rate from an investment that is higher than 17.71 percent per annum.
4. Earn in high-valued currency
There is nothing as sweet as earning in dollars and spending in naira. To earn in dollars, you must be working for international clients or selling to a global market. Freelancers understand this better.
5. Save your money in high-valued currency
There is nothing patriotic about saving your money in a currency that keeps you poorer.
There are two ways to save in dollars; open a dollar account with your bank or create a dollar wallet with a fintech app from the comfort of your mobile phone.
6. Invest in high-valued currency
When you invest in dollars, you do not only receive returns on your investment, whenever the naira devalues, you also earn extra money.
Some people get richer whenever the naira falls in value. You too can join the league.
If you invested when $1 was equal to ₦85 in 1999, how much would you have gained in June 2022 when $1 was equal to ₦610?
7. Invest wisely
Ponzi schemes are common during difficult financial times. It is better to lose 8 percent of your money to inflation than to lose 100 percent of your money to stupidity.
The easiest way to go back to your village empty-handed is to invest in something that you do not understand.
It is true that as prices rise, so do property values, and so does the amount a landlord can charge for rent, so that the property earns higher rental income over time BUT should you buy a landed property to hedge inflation?
Well, every real estate company will tell you that real estate investments do not lose value, but if the value of your local currency is weak, it will also affect the value of your property.
Gold has a historical record of being one of the best inflation hedges, although it is not a perfect inflation hedge. As inflation rises, gold appreciates.
8. Negotiate a salary increase
If you are still being paid the same salary you received when you started the job or in the last five years, it is time to negotiate your salary (especially if you work in the private sector).
Your employer may never increase your salary if you do not make the first move. How do you negotiate your salary? Have a plan. Know your value as an employee, and demonstrate your track records.
You can also take the risk to hunt for another job with a higher pay (make sure that you have gotten the new job offer first before leaving your current job).
- Increase your income as often as possible
Working one job may not give you the income you need to stay ahead of inflation. You may need to take a professional certification. A professional certification can raise your hourly rate.
Learn skills in high demand. According to Warren Buffet, the best solution to inflation is to be exceptionally good at something.
Learn to sell more products and services daily or raise your prices strategically. You can also japa to a better country to increase your income.
© Kingsley Ndimele
Your Reliable Consultant
How To Pay Your Debts Faster
Many religious leaders have led their congregation to pray fervently against debt. This is a prayer of ignorance. No wonder most of these people, though prayerful yet poor. Not every debt is bad. Some debts can bring you prosperity.
In your journey to financial freedom, your money alone may never be enough to build wealth, you may need other people’s money also.
The wealthiest people are usually the ones that owe the largest debts but they do not lose any sleep over it because they have skills to manage the debts.
Debt is not a bad thing to pray against. It is the leverage that can help you to create wealth. Every wealthy man took a loan at one time in their life.
Debt in itself is neutral; it is neither good nor bad. It all depends on what you use it for. Bad debt is when you use a loan for a personal need. Good debt is any debt that makes you more money after repayment.
Bad debt means you are taking money from your future to spend today while good debt means that you are taking money from your future to secure your tomorrow.
Any debt that will increase your net worth is good. A loan is one of the greatest tools in the hands of a financially intelligent person. So, a wise decision is not to avoid debt but rather to know how to use debt to create wealth.
Often time, before you take a good debt, you already have a means of paying it back. Most times, your returns from the investment are more than enough to pay your debt.
I have been in debt before. At 25 years, I have taken loans from friends, loan apps, and even from the bank. Sometimes, I take loans to complete some of my projects.
If you know how debt works and how to manage your debts, you will be ready to take as many loans as possible.
Staying out of debt permanently is almost impossible if you are serious about financial freedom. Wealthy people maximize good debts and make more money from them.
Whether you have borrowed to support your cost of living, settle an emergency or raise capital for your business or investment, delaying your debt can rob you of your dignity.
Those who borrow money but cannot pay back are dubious, while those who can pay back but have no intention to pay back are wicked people. If you value a good name, you will pay your debts faster.
Delaying your debt can rob you of your peace of mind, especially when the deadline is closer. Until you pay up your debt, your integrity is at stake. You may never be able to secure a loan again.
You may not be able to enjoy your life to the fullest when you are in bad debt. You may even feel like you are not moving forward.
Imagine using 75 percent of your monthly income to pay your debts. Imagine not being able to buy Coldstone ice cream because you are in trying to pay off your debt.
If you are in bad debt already, you need to first understand how and why you got into that debt.
If your monthly expenses are as much or more than your monthly income, your chances of taking a debt are higher. Overspending will make you think that you need more money to survive.
If you do not earn enough money, you are more likely to borrow money always, no matter how frugal you are. Telling people whose monthly income cannot even feed them adequately till next Friday to “spend less and save more” is unrealistic.
Imagine someone earning ₦50,000 every month who has to pay rent, buy foodstuffs, pay utilities, and pay black tax. Tithe and offerings too. How on earth would you advise such as person to aspire to perspire on that income?
If you are addicted to debt, you will always take a loan if you have access to it, even when you do not need it. Debt can become a cycle that may be difficult to break because it gives you the feeling that everything is free.
I remembered a lady who asked me to lend her ₦40,000. I got to know later that she needed the money for her birthday. Borrowing to impress others. Borrowing to organize parties. Borrowing for vacations. Borrowing to rent expensive apartments.
If you wear an oversized coat to impress people, they will soon mock you. They will mock you because the size of the coat will show that it is too much for your size. Why should you be driving a car that you cannot maintain, such that you are now borrowing money to buy fuel?
Borrowing to acquire depreciating items is a foolish financial decision. Why? You are going to be paying back debt plus interest on a liability.
If a medical emergency, job loss, or fire outbreak happens, if you do not have an emergency fund set aside, you are surely going to borrow, whether or you like debts or not.
How long do you want to keep running away from your lenders? How long do you want to avoid calls and messages from people you owe? There are 8 ways to pay your debt faster:
- Make a list of all your debts
Know how much debt you owe, the interest rate charged, how many months are left to pay, and the minimum monthly payment. It is a simple way to get organized at the start of debt repayment. It will help you to prioritize your debts.
2. Track the numbers
Knowing how much you earn and how much you spend every month will serve as the starting point. Ideally, 50 percent of your income should be used to finance your basic needs (food, utilities, and rent).
30 percent of your income should be used to fund your wants (vacation, DSTV or Netflix subscription, cinema, asọ ẹbí) while 20 percent of your income should be used to finance your savings, investments, or debts.
If you want to pay your debt faster, you have to cut off unnecessary wants to free up more money and devote it to paying your debts. Also, you have no business investing when you have unpaid debts.
3. Reach out to your lenders
As long as you are in debt, you are accountable to your lender. If you have multiple debts to pay or your total debt is more than 50 percent of your annual income, it is time to open up with your lenders.
Stop ignoring their messages and calls. Keeping in touch with them often and explaining your efforts and challenges will make the pressure less on you. You may even find favour before your lender.
4. Pay your high-interest loans first
Sort your debt from the highest interest rate to the lowest interest rate. This is because the higher the interest rate, the more money out of your pocket. If you have taken a loan from a loan shark, pay them first before you settle anyone else.
Because the interest on your loan keeps accumulating the more you delay. Your ₦50,000 debt may end up going high as ₦100,000 in less than a month.
5. Pay off the smallest debt first
Don’t be tempted to settle your largest debt first because your budget may not be sufficient enough to pay it off quickly. It can be discouraging too.
Most people often make the error of attempting to gather the total money before paying. This will cause further delay. You may even spend the money gradually before your debt repayment deadline.
Begin by using a budgeted amount to repay your small debts first. It is an easier approach. Then you move to the next one till you are done repaying the largest.
You feel motivated to continue clearing all your debts eventually. the satisfaction of paying off your debt one by one keeps you excited.
6. Increase your income
The larger your shovel, the faster you can dig. Increasing your income will ultimately help you to save more money to pay up your debts. You can get a second job or side hustle and use that income to settle your debts.
7. Sell your old items to raise money
If you have some household items, furniture, clothes, or gifts that you no longer want or use, you can sell them to get some money to pay off your debts easily and faster.
8. Don’t you use a loan to pay back a loan
Whether old or fresh, debt is a debt. On no account, must you take a loan to pay off a loan. You are only digging a fresher hole by doing that.
© Kingsley Ndimele
Your Reliable Consultant
How To Die Miserable While Pursuing Money Desperately
If you are born into a poor family, life is already winning you 1 – 0. If you are chasing your financial goals in a sapademic economy where confused leaders are in government, life is winning you by another 1 – 0.
Nevertheless, as you dey fight poverty, make you try to dey enjoy life small small. This life is too short for you to wait till you have achieved all your financial goals before you enjoy your life.
Most people, no matter their current financial situation, feel they need just 10 percent more income to be happy, settled, and satisfied.
Most times, the things you want to do now, once done will be quickly replaced by more wishes. Many die miserable in the desperate pursuit of more money. This is the story of Mr. Alówómájaiyé.
Making money is hard, managing money is harder, and multiplying money is the hardest. If you are not careful, you may sacrifice the best moments of your life chasing the bag.
Enjoying your life is more about your mindset than your actions. By the time you eventually secure the bag, death may come knocking. Who knows?
In those days, parents die at old age and leave an inheritance to their children. Now, young people are running to their graves faster, leaving their assets for their parents.
I once worked as a Personal Assistant to one of the big tech guys in Nigeria. It was the hardest job I ever did. My Oga wanted to become like Elon Musk in 6 months.
I was working at least 17 hours daily with my eyes stuck to the laptop trying hard to hit my daily target. After the day’s work, I still had to make a daily report by 11pm to my Oga who was also a busy young person.
Although the pay was pretty fair, I resigned on the third day. I couldn’t even reach half of my daily target, despite working 20 hours per day.
In another company where I worked, I and my colleagues drank coke every day like water. Mental stress can kill you faster.
Three months into the job, we started suffering from low blood sugar. I felt dizzy often. I almost collapsed in the kitchen one evening. My boss who was in his mid-twenties was already suffering from High Blood Pressure.
There are 12 ways to enjoy your life while pursuing the money;
- Define your expectations
It is okay not to want to be wealthy. There is nothing wrong with wanting more or being ambitious either.
If your financial goal is to make $1 billion yearly, you are as right as someone who just wants to live comfortably in a 3-bedroom apartment.
If your goal is to have a successful career, earn a salary, and retire at 65 years; you are as right as someone who wants his name on the Forbes List.
2. Define your happiness
Can money really buy happiness? Your source of happiness may not always be monetary. To a hungry person, a homeless person, a family who has a ransom to pay, or someone in debt, money can buy happiness.
But to a childless woman, a partner in a toxic relationship, and a man lying helpless in the best hospital, money is not the answer. However, money may not buy happiness but you can never be happy without.
3. Have S.E.X everyday
S.E.X is an acronym for Sleep, Eat and Exercise. With the rate at which people no longer sleep, we may need to start investing in more cemeteries.
If 7 – 8 hours daily is too much for you to sleep, your end is nearer. Every legitimate hustler deserves a good sleep.
Don’t wait until you start barking like a dog at every slightest provocation before you give yourself a good sleep. Shut down everything and sleep.
Prioritize eating good food every day. If all your monthly income can cater for now is good food, please don’t hesitate. It is better to use your money to eat good food today than to invest your money to treat ulcers later.
Don’t be too busy to exercise. 15 minutes of exercise every day can save your life. Exercises release endorphins that improves your mood.
4. Celebrate your small wins
You don’t wait until you have reached your financial goals to be proud of yourself. Celebrate every step along the way. If you don’t celebrate your small wins, you will always suffer from pre-birthday depression.
The grass always looks greener on the other side. You look at other people’s lives, and you envy them. They seem to be doing so much better than you.
They have got a great job. Lots of money. A happy home life. They seem to have it all and you can’t help wishing that you did, too. Whatever it looks like from the outside, no one’s life is perfect.
Some of your friends are also looking at your life and thinking very similar things. Perhaps they envy your dull but predictable job – you are home on time every evening.
Maybe they see your loving relationship with your spouse and kids – and they would rather have that than any amount of money.
You may not be at your desired financial state now; nevertheless, be grateful because your current position is someone else’s desire. Your tithe is somebody’s salary.
5. Have fun
Always set aside some money for fun, no matter how small. It is not the ₦1,000 that you will use to eat catfish pepper soup once a month that will make you wealthy.
It is not every man who goes to the bar is a drunkard. It is not every lady who visits the restaurant occasionally that is lazy. It is about spending money on memorable experiences and recording happy moments.
Fun is not always expensive; you can play your favourite games, hike mountains or have a weekend trip or a picnic in your backyard. You can choose to go clubbing or visit the cinema and beach.
As for me, I dance a lot. I lock myself in my room and dance till I sweat. My friend watches comedy skits every morning before setting out for the day.
Don’t take everything too seriously. That you don’t watch BBNaija does not mean that you will become a billionaire faster than others.
6. Stop every addiction
Addiction brings out the worst in you and robs you from enjoying your life. You should understand that there is a thin line between enjoying your life and destroying yourself.
7. Keep your life private
That you are not posting your success on social media does not mean that you are failing. When others post theirs, just smile and hit the like button. Keep clapping till your time comes.
8. Consume less social media
Everyone on social media is living their best life but in reality, most people are figuring out their lives. Social media will make you look as if you are too unsuccessful for your age.
If you think social media will heal your unhappiness, you will end up more depressed.
9. Disappoint others sometimes
You can never be happy if all you do is please people and make them happy. You don’t have to justify the logic behind every act.
You can choose to wear a tattoo, waist bead, leg chain, or pierce your body without giving any explanation to everyone. You are never too old to attend children’s parties or play in the dirt.
If you keep putting other people’s needs ahead of yours, you may never enjoy life. You owe it to yourself to be happy every day. This does not mean that you should not be kind or help others.
10. Reduce negativity
You deserve to be happy regardless of your financial state. Learn to set personal boundaries with negative people who carry negative vibes. Negative energy can be contagious.
Don’t just sit indoors every day. Go out. Meet new people. People who hang out with positive people are half less likely to die early than isolated people.
11. Don’t overthink your problems
Overthinking no dey solve problem and problem no dey finish. Life is a mix of good and bad. The only thing predictable about life is that it is unpredictable.
If you have made financial mistakes in the past, cry, wipe your tears and move on. Better days are coming. Má wo bẹ̀.
12. Complain Less, Laugh more
It is ok to be fed up sometimes. There are some things in life you cannot change or control; you just have to accept them.
It is not a good idea to constantly have your mind on how “things will be better next year when…” or on “life was so much better last year because….”
Laughter is free. Just open your mouth and laugh. Laugh loud. Laugh carelessly. Even if it means laughing at yourself. You only live once. Life is really what you make it.
© Kingsley Ndimele
Your Reliable Consultant
Personal Development Is Personal Investment.
Ideally, 3 percent of your monthly income should be set aside for your personal development.
Life is in stages and investment takes time to mature. The stage when you work more than you earn is your investment stage.
The stage when you earn more than you work is your harvest stage. The greater your investment, the greater your ROI. If you are below 25 years, FOCUS more on your personal development.
What a poor man needs is not money but knowledge. You can have the money and don’t know what to do with it. With knowledge, you will be able to get and sustain any resources.
I know I am one crazy reader. People say I read like a mad man. Nevertheless, reading 52 books and over 500 articles and journals in year 2020 was more of a goal than a coincidence.
I usually don’t count the number of books I consume yearly (I’m not talking about academic books here!) until I had a meeting with my mentor in the beginning of 2020 and he suggested that I took a census of the books I intend to read during the year.
I ended up reading 4 books every month. All thanks to the COVID-19 lockdown too.
One statistic says that 46% of graduates do not read after school, and I believe that is why 46% of graduates become irrelevant before they begin their career.
Who book epp? Has it added any money to my pocket? Yes! It has added profits to my life. The ROI is more than you can calculate. I hope you decode that!
Every successful person knows that there is a strong connection between poverty and ignorance. If you doubt it, check out the rate of illiteracy and poverty in most third world countries.
Reading is not a grace or skill; it is not genetic; it’s a habit inculcated through discipline. Read books to improve yourself, not to showcase yourself.
Stop carrying a book around just to create the false impression that you are a serious person. It’s just a matter of time; your ignorance and stagnancy will be visible to all.
Books are food of champions. You cannot eat the food of champions and look like a mediocre. The quality of your life and business will never appreciate beyond the quality of available information to you.
Dear, if you mean good for yourself and business, do not let a month go without you picking up a book to read.
How was I able to reach my goal?
- I saw a need for it.
Yes! Personal development and growth were my sole reason. I knew that what I had in my head cannot take me far in my life and career. I didn’t just pick up a book to finish it, I made sure I took something away from it.
I needed to be more productive with my life, hence, I could not afford not to read books. I couldn’t afford to run my life on mere assumptions and outdated knowledge. Get this, if you don’t have a reason for picking up a book, you will definitely have no reason to persevere.
I don’t read just to know, I read to practice. Accumulated knowledge is useless if you can’t apply them. I don’t believe that knowledge is power. Ugh! No, knowledge is not power. Execution is power. What you know may initiate the process, but what you do brings the result.
2. I strategized.
I had a goal, but I needed a plan. It was easier for me to read one book per week, irrespective of the pages. (Know your limit and abide by it).
3. I dealt with the real demon.
Mehn…social media can be a trap. Or in the Nigerian way, it can be a demon. If you spend 4 hours on social media every day, by the end of the year, you would have spent over 2 months of the 12 months on social media.
You see why I call it a demon. Lol! Who told that there’s no time? There’s time, just that you’ve decided to fill your time with trash and trinkets.
I drastically cut down my activities on social media. Every WhatsApp status on my phone is muted! Call it pride if you want. Except for family and intimate friends, I don’t chat with you if there is no need for it.
I only reply reasonable DMs. I went on Twitter basically for news and intelligent trends. I scrolled through my Facebook and LinkedIn posts just once per day. Not more than 5 minutes. I was intentional. Sincerely, my productivity doubled.
4. Make it fun
Hey! Before you conclude that I’m a bibliophile or a bookworm, let me also tell you that I watched over 52 movies throughout the year. That is, for every book I read, I watched a movie. All book and no play make reading boring.
Do you know that you can read more books than you are currently reading? If you think you can, you are right and if you think you can’t, you are also right.
© Kingsley Ndimele
Your Reliable Consultant
Think Twice Before Moving Out From Your Parent House
I have lived with my parent and I have lived alone. I have experienced what it means to move out of your parent’s house. It can be scary but rewarding.
Don’t be moved by the hype. Living alone is not for the fainthearted. The street is not smiling.
Don’t leave your parent’s house because of your age. There is no particular age to leave your parent’s house.
Don’t leave your parent house to prove your maturity Living with your parent does not make you immature and staying alone does not make shows you are mature.
Except if privacy to you means having the freedom to flirt around and live like a sheep without a shepherd, don’t leave your parent’s house because you want privacy. That is a stupid thing to do.
Don’t feel jealous of all your friends moving out of their parent’s house. Jealousy is not a strong reason to leave home.
- I had a prior plan
Before I graduated from the university, I knew that I didn’t want to go back home after school. It was not a spontaneous decision.
Although living alone and handling responsibilities may get you ready for the future, you should not rush out of your parent’s house without a plan. Life is unforgiving for the unprepared.
2. I was earning enough money
When I was living alone, I was earning money as a full-time teacher, a private tutor, an event photographer, and a freelance writer.
Leaving your parent’s house to live alone should not be an emotional decision. No matter the see finish that you may be facing, if you are not financially ready to be responsible, sit down and endure. Freedom is expensive.
If you are not earning enough to cater for yourself comfortably, don’t leave your parent’s house yet. If you look malnourished after leaving home, you most likely cannot cater for yourself yet.
Hunger is no respecter of persons. You will understand why the prodigal son returned to his father’s house.
3. I enjoyed personal time
Unending domestic chores in your parent’s house may hinder you from having time for personal growth. Except you have a sibling with whom you can rotate errands., you may begin to consider moving out of your parent’s house, or else you may spend the prime of your youth running errands.
One of the great benefits of solitude is that you discover yourself. It affords you the free space to get to know who you are. Leaving alone helped me to find my way faster.
The world is noisy. You may need to live alone to hear your inner voice. Whatever I am today started from times I was alone. There is power in solitude.
4. I paid my bills
For the first time in my life, I paid house rent, and utilities and bought foodstuffs.
It helped me to appreciate the effort of my parent more. How our parents were able to cater for the family even with their little income is a wonder.
During the COVID-19 lockdown, I was not receiving any salary. Yet, I had to pay for utilities every month. My landlady was an Ijesha woman. She does not listen to excuses.
I hate the embarrassment of my landlady knocking on my door. I try to avoid it at all costs.
5. I learnt to manage my time
Living with parents makes many things easy for you if you are working because after you get home, everything else is mostly taken care of by family or division of labour.
When you live alone, you will always come back to meet your things exactly the way you left them. Nobody will ask you to wash your dishes or clean your toilet.
For a busy person like me who does not eat out, hunger dealt with me mercilessly. I learnt to squeeze out time to cook my food.
6. I learnt to manage my life
When you live alone, you will learn to stay away from trouble as much as possible. Except you have a monthly budget for police bail.
7. I made my own rules
When you stay under the roof of your parents, they may monitor your movement.
It may be difficult to invite your friends over to your parent’s house, but when you stay alone, you can turn your house into a guesthouse. Howbeit, you can make your own rules too.
8. I was still accountable
Although I was living alone, I was still accountable to someone. Funny. Right? I was accountable to my landlord and neighbours. Common sense demands that someone should know your whereabouts.
9. I took care of myself in sickness
When you pay your medical bills, you learn to take care of your health better. I hate giving my hard-earned money to doctors and nurses to treat me.
I spend a significant part of my income whenever I fall ill. So, it was wise for me to prevent falling ill.
The craziest part of living alone is that when you fall ill, you have no one to take care of you. You have to take yourself to the clinic, cook your food, and still do your domestic chores.
10. I was lonely often
Living alone can send you to depression faster. You will realize that you have not said a word in 8 hours. Lonely people die slowly.
Leaving alone without a steady income will mess up your mental health.
You may not realize that staying with your parent saves you from a lot of issues that you may not realize until you experience them yourself.
Besides the financial support, parents give emotional support too.
11. I missed fun moments and family time
I can never forget that Christmas day when I decided not to travel home until 27th December. While my neighbours were intimidating me with the aroma of jollof rice and chicken, I was indoors pressing my phone.
I could afford to cook also but I was busy with work. Besides, some meals are best eaten together with families and loved ones. It was not about the food but the ecstasy of family time.
12. The decision to leave your parent’s house depends on your parent.
If your parent does not see you as a financial burden, don’t move out yet. If your parents are not complaining and asking you to leave the house, stay there till you are financially ready to leave.
Your parent may never tell you directly, but if they give you subtle hints consistently, it’s time to move out. If your parents are toxic, consider moving out to save your mental health.
Everyone has an unfair advantage. For some, their unfair advantage is their wealthy parents. A friend of mine whose father owns two big houses in Ibadan and Ile-Ife relocated to Ibadan and lives in his father’s house. Cost of rent saved!
If your wealthy parents can accommodate you, even though you are earning money, that is a plus for you. Save and invest your money. I know a lady who saved her income to buy land while in her father’s house.
If your parent’s house is spacious enough for you to live comfortably, enjoy yourself there till your time comes to leave.
13. The decision to leave your parent’s house depends on you.
If you are planning to get married soon, you should move out of your parent’s house so that you can begin to have your own household items.
Every parent is ready to spoon-feed you till you die. If you feel like you are being babied, you may need to move out to learn how to survive independently.
14. The decision to leave your parent’s house depends on your workplace.
If your place of work is close to your parent’s house, why do you have to rent an apartment elsewhere?
However, if you live in the same city as your parent but your workplace is very far, move out and get a space for yourself.
15. The decision to leave your parent’s house depends on your finance.
That you have finished your NYSC does not qualify you to leave alone. You are just seeking your own path and figuring out life. You need all the financial support you can get until you have a strong foothold.
If you are a student still depending on your parent, go back home after school. Stop loitering around like a refuge all in the name of “I want to be independent.” Why do you have to subject yourself to such torture when you have a better option in your parent’s house?
Why squat with a friend when you can conveniently live with your parent? Some friends are best loved from afar. Living with a roommate can be a monster experience at times.
16. You can always return home temporarily
If you have just lost your job and aren’t sure of your next move, return home. If you cannot keep up with the cost of living away from home, swallow your pride and return home temporarily till you can get back on your feet again.
You have the final decision to make.
© Kingsley Ndimele
Your Reliable Consultant
Date Within Your Budget
“I love you but I don’t think you can give me the kind of life I want.” May this never be your portion. It is true that nobody wants to suffer. Everyone is hustling hard to have a better life. Who no like better thing? However, we must remember that life is in stages.
Late marriage has become rampant today not only because of the current ‘sapademic’ economy but also because no babe is ready to build with a guy anymore.
You keep shouting “God when! God when!” but you have written off every serious guy that came to you because they do not have an appearance of a guy wey don hammer. You have not replied the serious guys that entered your DM because they don’t look like person wey don make am. You have even discouraged the serious guys with your long list of unrealistic requirements.
I met a lady who broke up with her guy because he could not afford a cinema ticket. You are 25 years old, while he is 27 years old. You graduated from the university the same year, went for NYSC together, yet you want him to have built a house, bought a car and be earning 500,000 naira as a fresh Nigerian graduate. No be juju be that? Even your father did not build his first house until he was about 50 years old.
Dear hustler, stop dating broke-minded entitled ladies who think everything should be paid by a man. Stop dating ladies who desire the internet standard of living. When you finally secure the bag, go for a lady who also took her time to develop herself.
Aunty, don’t let ‘Yahoo’ guys and ritualists make you feel that every legitimate hustler is a lazy person. The country is hard for everyone who is a legitimate hustler. Stop mounting your financial pressures on guys. You met a guy yesterday and you are already asking him to pay your house rent and buy you the latest iPhone. Dear, if you want a man that drives a car, you will find him where you parked yours.
Stop seeing every guy as an escape route from poverty. It is wickedness to expect a guy in his investment stage to live as if he is in his harvest stage. It is madness to expect somebody’s son to give you the kind of life that your father could not give you. It is unrealistic to eat your cake and have it.
In fact, even our so-called religious sisters now want a God-fearing guy with a touch of ‘yahoo.’ Aunty, 2021 is gone; you are still looking for a tall, handsome, wealthy guy. You are still looking for a financially stable guy. I have a bad news for you. Most guys below the age of 35 are not financially stable yet. Most guys below 35 are still raw materials; they are not ready-made guys.
The ideal man you are looking for only exist in Edo state – the countryhome of yahoo guys and Ogun state – the headquarters of ritualism. I understand that you endured poverty in your father’s house since childhood and you don’t want a poor guy in your life anymore.
Bae, it does not work out that way. If you are waiting for a ready-made guy that will walk you out of poverty; you will grow grey hair. Poverty is so stubborn. it takes time and conscious effort to break away; not a miraculous financial breakthrough disguised as an under 35 guy.
That I cannot afford a car today does not mean I won’t buy tomorrow. That I cannot take you out for vacation today does not mean that I am a boring guy. That I cannot send you urgent 2k today does not mean I am a stingy guy. If you don’t believe in me today, you don’t have a seat in my future.
Na lady wey appreciate my okirika today go follow me go shopping for Dubai tomorrow. As a Personal Finance Coach, I advise guys to live their life at their own pace. Don’t waste the little money you are hustling to get to impress a lady or convince her to stay. Date within your budget. Any lady that says you are not wealthy enough to be considered should move away.
Brother Titus, I understand that this can be very difficult especially when you have a strong spiritual conviction about a lady. At the same time, I need to remind you that our God is a God of substitute and alternatives. Where a lady is FUCKING UP, another lady is WARMING UP. Move on with your life. Stop trying to hold on to lady who is ashamed of your current financial status.
Nafessah agreed to stick to my friend even when he had nothing. You need to see their throwbacks. Last December, I attended their wedding. My friend is not as wealthy as he wishes yet, but he is not as broke as he used to be. Guess what? I was the life of the party.
Do you find this post helpful? Then, share with others across all platforms.
© Kingsley Ndimele
Your Reliable Consultant
Add Death to Your Financial Plans
Before my landlord died, the farm manager who was in charge of his cocoa plantation was gradually taking over the farm. Baba could barely walk, talk or take any decision himself.
All his children were in the city busy chasing money. There was little Baba’s wife could do to salvage the situation. She knew little about the farm, the manager, or the terms of the agreement.
When a financial member of a family dies suddenly, the bereaved not only cry because he or she will be greatly missed, but also because of the negative financial consequences it will cause.
Have you ever thought about your death? I know you do not like to think or talk about it. I know that it feels very uncomfortable to read about a financial topic like this.
No matter how loud you shout “God forbid!”, death is a debt you must pay. Your prayers and healthy living may delay your death; it cannot stop it.
If death comes knocking today, how prepared are you financially? What happens to all the money and assets you have acquired when you die? How do you ensure a smooth transfer of your investments to your survivors?
Thinking about your death is not taboo; it is financial wisdom. Death is a reminder that you are a human being.
Every day draws you nearer to your grave. Death does not come with a siren. Death does not care about your financial goals and financial status.
As much as you wish to live long, death may come knocking faster than you planned. At any time, your final whistle may be blown. Life is so short.
If you live in a country ravaged by insecurity, you are one second away from dying. If you have an underlying health challenge, your chances of packing up anytime are higher.
Those who lost a financial member of the family during the COVID-19 pandemic understand the financial reality death can cause to one’s survivors.
No matter how much you invest in your children’s education, it is easier for them to rise financially when you transfer wealth to them.
No rule says that your children and loved ones must suffer so much to build wealth too when you already have every resource they need.
It is easier to build generational wealth when you consciously add wealth transfer to your financial plans. Donald Trump’s wealth has everything to do with his father’s inheritance. $413million is not a joke.
There are 5 reasons to add death to your financial plans today;
- What happens to your loved ones after your death?
In most African cultures, some siblings of the deceased may show up from nowhere to claim their ‘rights’ and lay hold of the deceased properties. This should not happen to you.
Your exit should not bring about disputes and hardship to your innocent loved ones. Some families lost everything and went back to the trenches at the demise of a financial member.
There are situations where parents leave their children behind without appointing a suitable guardian or allocating the finances to cater for them and their education. This implies that the children’s fate is left to chance.
It is unfortunate that most spouses are clueless about the financial dealings and are left in the dark if their partner passes away.
It is hard for a widow(er) to raise 3 children conveniently and it is harder when a spouse dies with significant assets that cannot be accessed by anyone.
That your spouse may become a widow(er) is beyond your control. That your children may become orphans may not be your fault. Life happens.
But if your spouse and children become poorer and your loved ones or aged parents become beggars and laughing stocks in the street after your passing away (despite your assets), it is all your fault.
The angels at the gate should wipe you cord on your neck for acting foolishly. Don’t make that costly mistake.
2. What happens to your properties after your death?
When thinking about what may happen when you die, writing a legal will is the starting point.
A will is a clear instruction or written document that states how you want your assets to be distributed. It designates who gets any assets you own. A will makes your wishes formal.
It names the person who carries out your wish after you die.
Anyone within or outside your family can also benefit from a will. No rule states that your female children are not entitled to your inheritance.
A partner from a divorce or second marriage can be a beneficiary. Your stepchildren and lifelong friends can also be a beneficiary.
Writing a will is not only for the rich. Even if all you have is a 2005 Toyota Corolla car, you can write a will. Writing a will is not only for polygamous families.
A will can be printed or hand-written and the information of each asset should be explicitly stated. Some companies offer online services for drafting a digital will.
For the will to be legally binding, it has to be signed by at least 2 witnesses who are not beneficiaries listed on the will. The will can be kept in a probate registry, a personal safe deposit box, a trusted friend or relative, or a deposit box at a bank.
It is mythical to believe that you should only write a will when you are ready to die.
You are not too young to write a will. Anyone of legal age and required mental capacity makes have a will. As soon as you start to acquire assets, you can begin to make a will.
You can change your will after making it due to prevailing changes in circumstances.
A blind, deaf or illiterate can make a will in as much as the content of the will is communicated to them in a known language before witnesses. A married woman is legally fit to make a will.
If you want your property to be given out over some time, rather than as a lump sum, a trust can make that possible. A trust is a legal arrangement that offers control over your property after you die.
If you truly value your loved ones, don’t die without leaving a will. If you truly want to REST IN PEACE tomorrow, you need to leave a will.
Many families have been torn apart because of this negligence. Can you proudly say that you have lived a good and fulfilled life when your families are killing themselves over your inheritance?
It is not enough to transfer your assets to your loved one, transfer your good name too. Even if you do not have any assets, your good name is an asset.
3. What happens to the debts you owe after your death?
Many people will be shocked when they eventually discover that their late parents or spouse used their house as collateral in the bank.
You need to list out all your debts so that your siblings can keep paying them for you.
Knowing that you are not leaving any mess behind for your loved ones gives them the peace to let go. This can make a significant difference to the people that you care about.
4. What happens to your bank account after your death?
If you wish to support a surviving spouse or family members who depend on your income, you need to add death to your financial plans.
There is a type of bank account that you should set up before your passing to make things easy after your death. You can add Payable On Death (POD) or Transfer On Death (TOD) beneficiaries to your bank account.
This is the cheapest and simplest way to ensure that your survivors have easy access to your bank account after your passing. The beneficiaries will not be able to access your bank account directly until you pass.
After your demise, all they need to show is a copy of your death certificate and a valid government ID. Make sure that the names of beneficiaries correspond to the name in the official identity.
You can also add joint account holders with rights of survivorship. That is, your bank account is transferred to your survivors when you pass on.
5. What happens to your digital assets after your death?
For me, apart from my assets, I want my loved ones to keep making money from my published books long after I am gone.
If you do online transactions or use a digital bank or have digital assets, make sure that you write out your account numbers, relevant contact lists, emails, login details, and passwords and keep this information where it can be accessible after your demise.
Don’t just store these details online, have physical copies of every relevant document. Some digital platforms have built-in features that allow you to transfer this information to your survivors.
For the sake of your loved ones, ensure to put your house order. Life should not be difficult for your loved ones after your passing.
Consult a lawyer for specific guidelines.
© Kingsley Ndimele
Your Reliable Consultant