FINANCIAL LITERACY FOR ALL-PASSIVE INCOME

Human beings depend on some form of income to survive life on earth. One type of income is Passive Income that I would share with you today. We looked at Portfolio income sometime ago and we had briefly talked about earned or active income which we said it is income earned from employment, i.e. your monthly salary.

Passive income is one type of income that earns a lot but does not necessarily need your physical strength especially at the revenue earning stage. Initially, a lot of effort would be required but, when the project starts generating revenue; it would not need your effort again. Passive income could be a regular income to you on regular basis without much effort from you.

What then is passive income? Passive income is income derived from royalties, patent rights, copyrights, screen play royalties, royalties from movies, books, television and all other forms of intellectual property rights. Passive income is also income got from real estate, i.e. rent. Internet advertisements on websites/ blogs could also earn you passive income.

Passive income could only be derived if and only when we use our brains to create things and become the originators of those inventions and or discoveries. You are fully entitled to the rights and benefits of an intellectual property if you are the one who invented or discovered it and had legal backing to protect it. 

We have different types of intellectual people: the technical people, the people’s people, the analytical people and the creative people. All these categories could do something that could entitle them to some form of intellectual property rights, but the creative people are the group that get unimaginable passive income from their creativity.

The creative people are mostly writers, actors, artists, artistes or musicians, inventors, comedians, scientists, who invent and have discoveries, entrepreneurs, who invent new products, methods and systems.  The creative people have powerful thinking processes and they use this to create more money for themselves and for generations.    

Passive income is income for these people who use their brains and for that matter their intellectual property to create things and become original owners, thereby getting the license that entitles them to sole proprietorship. Any one, who wants to use their invented/discovered property, must pay to be allowed to do that.  This is a great source of income to people who have undertaken to work on earning much from intellectual property. It is their full time job and all they do is to think and think and come out with something that has never existed and get license to it to be their bonafide property. They could then rent or sell to others who want o make use of the creativity.

All over the world, it is known that we have landlords/ladies and tenants. These two are not the same; the landlords/ladies are like the entrepreneurs or employers but the tenant is like the employee, the tenant pays rent to their landlords/ladies periodically and this is complete passive income enjoyed by the owners. They originally had to spend maybe their earned or portfolio income to put up these structures and turn them into incoming generating ventures, earning them rent.   

Anybody could be a passive income earner, but the creative (C) people who spend much of their time meditating, taking cogent decisions, contemplating deeply and inventing and giving to society what it needs as a necessity and who love doing that are the true intellectual property owners.

Creativity has nothing to do with the level of your classroom education or formal education.

 Thomas Alva Edison, who was the greatest and highest patent rights holder and still has not been beaten had just three months of formal education, but he lacked nothing as far as creativity was concerned.  He had a powerful thinking process and he made sure he had legal backing for his inventions, because there are always thieves in the neighbourhood, who would even try to steal from your mind.

Thomas Edison, I believe, he is the most persistent and persevered person I ever read about. He never gave up till he succeeded.

Robert Kiyosaki wrote “It is the way of thinking that creates assets and once you have that way of thinking you will be richer than you ever dreamed possible.”   

Henry Ford said “Thinking is the hardest work there is. That is why so few people engage in it.”

Henry Ford’s formal educational level was just high school, yet he was able to build an empire of wealth for generations. He was a stubborn powerful thinker and doer. 

In Ghana, there are many people, who are very creative and are really making it even if on a low scale. I want to encourage especially my colleague young guys, who believe that they have the ability to sit down and create things to begin now. They don’t need to look for jobs anywhere. Just begin creating and you would be marvelled the exposure you would get and the money that will follow. Young Ghanaians should begin to write books, they should become internet gurus and go into invention of many things that are marketable to the populace. They will be self-made millionaires soon.

Smart young guys should learn how to acquire assets with their creativity that is they should create something and get passive income from that thing and use the money to buy another thing they desire. Creative people don’t necessarily need to have money before they acquire property. They could create their own intellectual property, get the money from it and use that passive income to acquire that dream house, hospital, hotel, business and all that you can dream of.

The future of the world is in the hands of creative people. They are the people who use the right side of their brains greatly together with the left side minimally.   

© 2010, Godwin-Xavier Ayeebo

Blog: www.g-xavierayeebo.blogspot.com

Email: gayeebo@gmail.com

ERADICATION OF POVERTY IN NORTHERN GHANA

Life in northern Ghana is not easy. Living standards are very low compared to southern Ghana.
Development between the north and south leaves a very big gap that will take radical and drastic measures to bridge it. Formal education got to northern after over hundred years of formal education in the southern Ghana. The gap started there and since has not been bridged. The biggest problem is that the northerners who hail from there, and are well-to-do in the south do not ever want to go back home to help a bit. The northerners should try to build their own houses and I believe that outsiders would help them build nice, beautiful, inviting and tantalizing homes.

If all northerners, who, are doing well in the south or in other countries, should team up and contribute in very various to fight poverty in the north, the supposed poverty will be defeated. The professors, the accountants, the lawyers, the medical officers, the military officers, the customs officers, the sports professionals, the police officers, the prison officers, the fire service officers, the bank officials, the miners, the lecturers, the nurses, the station masters, the loading boys, the drivers and all other northern brothers and sisters, who are doing well in the south could all make the north a better place to live if we all contribute money, share ideas and wage a crusade to eradicate poverty in the north.
We all know very well the problem in northern Ghana; low education, no white collar jobs, high poverty level, low rain fall, bad weather, severe harmattan, the land becoming desolate, no potable drinking water for the people, and very unnecessary conflicts.
However, northern Ghana can boast of sunshine for solar power generation, attractive, natural energetic and beautiful women and handsome men, natural tourism sights, hardworking people, cattle, sheep, goats, fowls, pure vegetables, cereals, vast land for maize, rice, groundnuts, sheabutter, mangoes, guavas, many fruits than in the south, sorghum, malt, millet, cotton, wheat cultivation.
Northern Ghana can therefore become one of the most beautiful places in the world if all stakeholders, put their energies and ideas together for a common cause. Northern Ghana currently needs: modern dams, irrigational facilities, fertilizers being available and subsidized, silos, barns, boreholes, canals, and controlled prices for onions, sheabutter, tomatoes, poultry and other livestock. Solar energy should be tapped for power generation for factory use and for use for many other activities.

There should be financial assistance and grants to farmers without impediments or middlemen.
If it is true that we all want the eradication of poverty in the northern Ghana to become a reality, then:

• Parliamentarians from the north should start now. They should form an association to contribute money and ideas to embark on developmental projects in the north. They can say for instance that, this, month, this year, the next three weeks, the next five years, we all MPs from northern Ghana, we are contributing to construct a northern dam for a particular place, village or town. After this, then they embark on another project. Next time they all come together to construct a canal for a particular place. Their projects could be long or short term projects. As far as democracy prevails in Ghana, there shall continue to be Mps from northern Ghana, so it does not matter who and who are MPs, what matters is that the association should be a non-partisan association.

• Professional accountants from northern Ghana should form their own association and contribute funds to embark on other projects, like, constructing commercial, technical schools, and computer centres etc.

Lawyers from northern Ghana should form an association to embark on other projects, e.g. library complexes, etc.

Medical doctors, judges, lecturers, teachers, nurses, drivers, station masters, and all northerners in southern Ghana should contribute.

Nobody would build the north for us, not even a president from the north.

It’s a collective responsibility

The central government must have a non-partisan long term development policy and plan for northern Ghana. The government should begin to encourage oneness, unity, let the rule of law really work in northern Ghana to forestall the unnecessary conflicts over there among northern brothers and sisters, and to promote peace and unity for development
• Government should build modern hospitals with the state-of- art facilities. Modern schools, primary, JHS, SHS, polytechnics, universities, build tourist attraction places in northern Ghana. I challenge the present and future governments to help turn northern Ghana into an oasis of tourist attraction in the years to come. Only our imaginations limit us to the possibilities and opportunities that exist in northern Ghana. There abound endless opportunities in northern for generations to come.

Others like NGOs, foreign Investors, ADB, NIB, etc. should all assist heavily, meaningfully for the development of northern Ghana.

• The elimination of some cultural practices and the eradication expensive funerals and marriage rites in the north.
• SOURCES OF FUNDING:
• A compulsory fund set up for long term development of the north. I am not talking about a fund that is not backed by law and will be discarded when there is a new government. This fund should be constitutionally recognized and entrenched.

Chiefs in the north should be encouraged to organize their subjects and divisional chiefs to levy their subjects compulsorily every year, some small amount for all grown-up residents in the north. I believe many both men and women could contribute at least GHC 2 during their harvesting period, between November and January each year. The people, who contribute should know the purpose for their contribution and the money should be paid into a bank account that only credible, well meaning people who live among the contributors and have been nominated as members of the management of such a fund, should be allowed to sign for withdrawals and make sure all monies collected have been deposited into the right account.

Government should link up with the Agricultural Development Bank (ADB), National Investment Bank (NIB) and foreign investors and encourage them to invest in northern Ghana.

• Laws should be passed to enforce and encourage northerners to contribute towards the development of north.

• Philanthropists should be encouraged to assist develop the north.

On Thursday, 24th September 2009, the Ghanaian Daily Graphic reported that, there was going to be a business fair in Tamale, the northern regional capital, starting from 28th September 2009. I applaud the originators and organizers of this business fair. More of these business fairs and similar ones should be encouraged in the north..

There were worse places elsewhere in the world than the situation in north Ghana, but the natives and the government have been able to turn such places into some of the best places on earth. It can be done in northern Ghana. Let us all contribute our quota to make northern Ghana a blessing for us and a manifestation of God’s wonderful, beautiful creation. God has given us wisdom and has provided everything for us to use to eliminate poverty in the north and make the north a place where life could be freely enjoyed.

I still have wonderful memories of my childhood in the village of Zaago near Bawku.

It was great, we would swim in the village dam, play games, wrestle one another, ride horse and donkeys and many other nostalgic memories.

Long life northern Ghana, Long live Ghana

©2009, Godwin-Xavier Ayeebo,
Blog: www.g-xavierayeebo.blogspot.com
Email: gayeebo@gmail.com

FINANCIAL LITERACY FOR ALL-WORKING FOR MONEY

There are various definitions of money and many schools of thought of how money can influence decisions taken by people and how these decisions also impact on society.

Some people believe that they need to work hard to get money and they do not believe they should allow other people to help them get the money they need because they do not trust any other person when it comes to money. Such people prefer to keep their money to themselves alone and they are always afraid to invest. They are afraid they will lose their hard-earned money if they invest it. They continue to work physically hard and keeping their earnings in their bank accounts seeking to get financially independent one day without any financial education and advice.

Stupendous money is made when we allow other people to work for us and when we get the money we in turn would find good creditable systems to invest in for greater returns.

 Business therefore continue to grow and expand and society benefits enormously. People get jobs to do, they become more responsible and children are loved and cared for and they also grow up being good, cultured and humane international citizens.

The truth of the matter is that no employee can be richer than his/her employer. Employees could become richer if only they turn their active or earned income into passive and or portfolio income.

Napoleon Hill in his book “Think and Grow Rich” wrote “One type is known as LEADERS, and the other as FOLLOWERS.” “Decide at the outset whether you intend to become a leader in your chosen calling, or remain a follower. The difference in compensation is vast.  The follower cannot reasonably expect the compensation to which a leader is entitled, although many followers make a mistake of expecting such pay” 

Employees should aspire to become employers one day and they should pave the way and allow younger generations to take over from them at where they are now so that they could go out and run their own businesses. Employees could be business owners whilst working for their current employers, meaning they can have other people also work for them. Employees could also set time frame at which they will resign to go and mind and run their own they businesses, that is become self-employed and gradually become big time business owners, but they must learn to be financial Literate and begin to trust other people whom they should delegate and give them authority to transact and execute business agenda for them, whilst they, the owners concentrate on other equally important demanding issues.

Nobody truly gets rich by working for himself/herself. You would be operating under capacity and cannot expand and serve larger society to get the needed results and money. You should learn Financial Literacy that would teach you how you should use other people’s time and other people’s money to run your businesses to be able to reach out to larger society and get the needed results.

When we are young and energetic, we could work for others to learn from them but we should aim to have our businesses that we should allow other people not known to us join us on board and help grow and expand our businesses. If we think we could be rich by working hard solely and also as employees throughout ourselves, we would be greatly deceiving our own inner beings. Many middle class people also try to portray themselves as rich but really they are in the middle in between the poor and the rich.  The wealthy or rich people don’t take loans from banks to buy personal cars and houses. The wealthy people do not need monthly pay cheques to make living a bit meaningful. The wealthy or rich in society can survive life without monthly pay for years. They do not depend on it at all. Can the poor and the middle class do that for even three months? It will be “wahala” at home yet these middle class people always think they are rich.

The wealthy or rich people do not necessarily have personal expenses. Financial Literacy would teach you all these and you would get to know that Financially Literacy is needed by everybody and should be learnt by all, young or old, poor or middle class.

Napoleon Hill in the same book “Think and Grow Rich” defined that “Knowledge is only potential power. It becomes power only when, and if it is organized into definite plans of action, and directed to a definite end.”

The middle class mostly are highly educated people with PHDs, MBAs, MPHILs, etc hence they are always tempted to think that because they are formally educationally rich they also think they are truly rich. Never! The current classroom, formal education does not let us think and create. We are conditioned to think like others, mean while we are unique different people with different creativity and style. Formal education is good but it should not be confused with Financial Education or Literacy. Financial Literacy which is really relevant to our daily lives was never known and even up to now is not meaningfully taught in schools even in the so-called advance countries. Financial Literacy Education encourages creativity. In fact, it’s all about creativity.  These middle class people who mostly work for others through out their working lives go on retirement if their children do not come to their aid, then the government must do that so they could survive life. Majority of them are perpetual dependants.

No wonder in many offices especially in Africa, people specialize in “pulling” down their brothers and sisters to occupy some positions thinking that is what would bring them financial freedom. It is so funny because the position that is being fought for has been created by someone, who owns the organization and you an employee (an outsider) who could be sacked any time you misbehave, you are fighting over a property that does not rightfully belong to you. You do not have a permanent stay over there, so why do fight with your colleagues over transient and temporary positions. If it’s yours it would be given to you ultimately and genuinely, else forget about it and start to build your own where you would not fight with anybody.         

The same Napoleon Hill also wrote “An educated man is the one who has so developed the faculties of his mind that he may acquire anything he wants, or its equivalent, without violating the rights of others”

Robert Kiyosaki of the Rich Dad, Poor Dad fame, wrote “Financial intelligence is not how much money you get but how much money you keep and for how many generations you keep it.”  

This educates and tells us that as we look for money should know we would have children, grand children, great-grandchildren or we should know we would have human beings whether related to us or not who will live after us. We should know we have a community, a village, a country, a world where our contribution will be needed even after we have died and left this world over hundred or thousand years. Do we really want to be remembered?   Life is lived once.

We all need money but we should use legal and genuine means to get the money we need.

Jamie McIntyre wrote in his book, “What I Didn’t Learn at School But wished I had” that anybody who says he/she does not like money is telling a lie, He says it is a denial”

If you truly want to be wealthy, then you need Financial Literacy Education and you need to learn to have businesses where you let other people work for you and pay them for their services.

When you work hard for money, you worship the money and you are mean with it but when your money works hard for you, it worships you and you are generous with it.

© 2010, Godwin-Xavier Ayeebo

Blog: www.g-xavierayeebo.blogspot.com

Email: gayeebo@gmail.com

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FINANCIAL LITERACY FOR ALL-GIVING BACK TO SOCIETY

The ultimate aim of Financial Literacy is to educate people to give back to society.

Giving comes in various ways. One can give money, skills, time, things and others.

When we give to good ideas, they are turned into wonderful fruits for humanity to benefit. 

Giving is not only physically parting away with money but doing things that will sustain the longevity of life.   When entrepreneurs build houses for rent, when they build businesses for people to work with, when they build hotels and hostels for people to lodge in, when they build hospitals to care for the sick, when they build churches and other places of worship, when they build schools for people to learn new things they are in actual fact giving and they are the true philanthropists of modern times.

Some people spend their resources producing food stuffs and fruits for others to consume. They don’t just do that because of the money they would get when they sell their farm produce, but they are giving back to society. There are people who run transport businesses and similar ones and we all patronize at least one means of transport in way one or the other and those business people should be applauded especially if they are in Ghana, because the drivers are mostly not honest and straightforward but if the transport owners were to resent on the behaviour of many drivers, there would not be a single bus on our roads. Can’t we say they too are giving back to society? They really are.

People annually donate their own blood to save the lives of others. Many a time, the donors don’t know, would know and don’t even want to know the people who would be the recipients, friends or enemies? Yet they blissfully and gladly donate blood to help save lives.       

Investment products and similar products would be white elephants and nothing to buy if the true philanthropists were not to invest they money into these products before they get known to others.

All over the world, there have been generous people who have sponsored brilliant but poor students to become blessings to society. Generous people have sponsored exceptionally incredible ideas that have made the world the place to live in and they are still doing that willingly.

Orphans get ‘parents’ to cater for them and they really feel at home and they are loved and respected. Their new-found parents are real givers. If these givers were not there, orphans would have it very tough and they would curse the day they were born though they didn’t create themselves and didn’t decide to come to this world.

In advanced and civilized accountable democracies, people offer themselves to serve their countries. They give back to society in so many ways and their works are recognized.

Volunteerism has helped and moved some countries and societies to peaceful and free neighbuorhoods to live and enjoy life.

The security services we get from the police, the military and many others are great examples of human beings giving back to society. The risks involved yet they offer themselves to serve their colleague human beings.

In Financial Literacy, the lessons of risking taking and risk management are taught and when they have been learnt well and applied, we then become true and genuine givers and generous human beings.

There isn’t any being on who is useless. Everybody has something unique to give to the world and many are doing that in various ways.  I believe almost all living human beings are givers. Some are very mean with giving money, but they would give you their time. Others would never give time but support you financially. Some would give you food but not money or ideas and that’s how it works one person cannot give everything. In his book the ‘ART OF WAR’, Tsu Sun (translated by Thomas Cleary), wrote ‘the brave can fight, the careful can guard, the intelligent can communicate, no one is useless.’

Receivers must always be grateful because giving is voluntary and is a personal choice. There are some people who always want to receive and sometimes even determine how much they deserve to be given even when they have not contributed in any way to the fruition of what they want. Ungrateful receivers are like dried lakes. They are like the cursed fig tree.

Financial Literacy teaches us that the real definition of money is to give. Money that is kept in your bank account without being generously doing anything greater is useless and is not money. It’s a just bank account filled with figures that are not beneficial to society, unless it has been held with an aim to pass on to others, like your children who should be taught Financial Literacy to learn how to use the money in future to multiply for society to get its share.

You have everything to give back to society. Do not tell yourself that you have nothing to give. That would be ungratefulness to your creator and a complete sign of wickedness to society. You have some spare time, give it to others, ideas, skills and others. You have money give some small percentage to the brilliant but needy students in the schools in the country. You can donate some food items and cash to the hospitals in the country. You have unbelievable skills and ideas, share with others. You have many things to give, give them out.

In his book ‘Giving’, Bill Clinton, the former American President wrote ‘giving, how each of us can change the world’

Financial Literacy uses the lesson from the Bible that ‘Give and you shall receive’.

You don’t receive before you give, because you already have everything to give unless you don’t want to.

In Financial Literacy you are taught that in your pursuit for money in this world, the ultimate is to let society benefit from your money, your ideas, your skills, your time and all that you have.

© 2010, Godwin-Xavier Ayeebo

Blog: www.g-xavierayeebo.blogspot.com

Email: gayeebo@gmail.com

FINANCIAL LITERACY FOR ALL-RISKS & RETURNS

“When I hear somebody sigh, "Life is hard," I am always tempted to ask, "Compared to what?”

“Financial risk is often defined as the unexpected variability or volatility of returns and thus includes both potential worse-than-expected as well as better-than-expected returns”

“A financial return is the profit or loss you have on your investments, including income and change in value.” The return could be interest received, dividend received, rent received, royalty received, profit made or capital appreciated. These returns come as a result of some risk taken. The risks that are taken could later on bring joyful returns.

Some corn has to be sown, gets rotten in the ground before it germinates and later on yields food for consumption.

No risks, no returns. The higher the risks, the higher the returns and that is exactly what it is in investment. Those who dare and take higher risky ventures get higher returns.

In Financial Literacy, you learn that higher risks give higher returns, because you learn the different types of investments and their associated risk calculations and predictions.

Investing, they say is a game you learn to play. Nobody can learn it for you.

Life is beautiful. Life is joyful. Life is glorious. Life is sorrowful. Life is daring. Life is discipline. Life is boldness. Life is action. Life is faith. Life is not fear. Life is full of risks.

Wherever, you find yourself, however, you look at life, whatever, you think about life, it is not meant for those who fear it. Life is meant for those who confront and conquer it. Why life is both is joyful and sorrowful is natural, it is so since time immemorial. Life has always been two in one. It has two sides, good and bad.

Life is not all about money? Is life all about love? Love without money? Does it really work in the 21st century? What is life all about? Is life all about going to church? I wonder how Ghanaians would have been at churches if their churches were some dirty shrines. Money has helped built the modern temple for you to go there and sit comfortably. If our forefathers did not think about us and used money to build churches, where would we worship? This generation is not the generation that began building churches, mosques and other temples?

Financial Literacy uses the teachings of Jesus and agrees that you should give back abundantly to society and giving back to society is one main reason for which Financial Literacy is being taught.



Is life all about work and being in the office all day? How many work in this world for free?

Volunteerism is absolutely becoming extinct, because everybody wants to be paid money for even emptying his/her bladder.

Those, who pretend not to talk about money are truly the most selfish and self-centered people on earth, because they don’t think about any other person or thing apart from their immediate family.

They are the people, who actually forget they will have grand and great-grandchildren, they are the people, who never think about their community, they never think about their village, they never think about their country.

Financial literacy teaches us to use our brains genuinely to get money and let society benefit from it.

Can you live without life? Life is money and money is the revelation, the invention and discovery of where you find yourself now, how you think and what you do now. Money is the root reason for the modern office you work in now, the modern architectural house you live in now, the flashy car you drive, the aeroplanes flying over head, the bank that you have your pound sterling and dollar accounts with. Money is the revelation of your professorship, your doctorate degree, your degree and your whatever class you belong. Somebody might try to argue with me on this but let’s ask ourselves the following questions, how many cars would have be built each day, month, year if they were not bought. For charity? Who would have been an architect if his services were not paid for? Who would build airplanes if passengers wouldn’t use them? What is a bank if money is not transacted in it? Who and how many, on earth just want to acquire academic qualifications for their own sake? Returns are the monies and the monies are the charities given unto the world by the philanthropists. Pure and sustainable charities are the organizations and individuals, whose sources of income come from ventures that give them returns of money. Those who talk about money matters are the people who make the world the place to live in. Could you listening to your sweet, selective music? Sweet songs Sang by whom, would you have heard about them? The music philanthropists make it happen and they are truly financially intelligent moguls.

A return is joyful but is only one side of the coin. A risk is the sorrowful side which is needed to make life complete. Is it risky for two human beings who never knew each other, but one day get to know each and decides to marry and have joy? They decide to have returns, the good side of life. It is risky for human beings to be flying in the air, like birds but the good side of life; the returns are the evident results you know. It is risky for you to leave your children for some people called teachers to take care of them during the day time, teaching them certain things you wouldn’t teach them at home, but the returns, you know more than I do. Life is more joyful when it is made complete and pregnant with risks and returns.

Many people try to justify why life could be existed without the sorrowful side but their end result is regretful and self-centered.

Many people, especially the poor and the middle class in society do not want to invest their money into ventures that will give them good returns. They say “It’s risky”.

Yes, life is full of risks; you should learn to manage the risks. Learn to live with them. Learn to live with all the odds in life. You, I mean you in particular, you CANNOT change them. Don’t even attempt it!

Financial literacy teaches you how to take risks and manage them. You cannot afford to live life in the 21st century without being financially literate. If you try, your descendants you would brand you as someone, who never had a vision and someone, who was self-centered. You never thought about them. Why, if you don’t have ears, don’t you have eyes? Everything is available every where in this century. I’m blessed to be part of it.

Encourage and allow your children to attend financial literacy classes, so they prepare for the returns and risks of life. Let them understand all that they need to know about money for money is life. Life is worth living when the wisdom God has given us has been applied by all of us for the benefit of society.

You are being encouraged to take the risk by investing your money in the Treasury Bills, Shares, Mutual funds, Unit Trusts, Real Estate Investment Trusts (REITS). Invest your money in building businesses or companies. Build hotels and houses. Build office complexes, that you have been saying, it’s risky. Let some people you don’t know manage them for you. You don’t need to know them before, just own the systems they would need to work with. Go home and sleep. Big time businesses cannot be managed by the owners themselves alone.

Yes, it’s true you have to leave many if not all these at the care of some people you don’t even know in the first place, but the returns you as an individual gets and society at large benefits are more pronounced than the risks you took. It’s unbelievably phenomenal how those, who take risks and manage the risks, have impacted on the world and made life more meaningful. God can relax and be honoured.

I end with this quote: “The best use of life is to invest it in something which will outlast life.”

© 2010, Godwin-Xavier Ayeebo

www.g-xavierayeebo.blogspot.com

Email: gayeebo@gmail.com