The Nigerian Communications Commission (NCC) has awarded N20 million grant to four deserving Nigerian tech startups in furtherance of its commitment to encourage development of new indigenous technologies and contents, that are oriented in cutting-edge research to stimulate sustainable economic growth.

The four tech startups are: Clearflow System Hub, Aelaus Engineering Teams/Hyech Electronics Solutions, Kalibotics, and CyberNorth Tech. They emerged winners of Virtual NCC Internet of Things (IoT) Code Camp and Hackathon 2021, and they received N5 million each on their innovative technology solutions aimed at making life better for Nigerians.

While the first two startups, Clearflow System Hub; and Aelaus Engineering Teams/Hyech Electronics Solutions, emerged winners on IoT category on kidnapping and banditry, Kalibotics and CyberNorth Tech, emerged winners on assistive robotics for effective e-waste management solutions.

The grant was for the novel digital solutions of four startups, aimed at finding innovative digital solutions in addressing the challenges of insecurity and to stem the growth in national e-waste rates, while advancing the frontier of Internet of Things (IoT) in Nigeria.

Speaking at the prize-giving ceremony held at the Commission’s headquarters, in Abuja recently, Director, New Media and Information Security, NCC, Dr. Haru Al-Hassan, who delivered a speech at the event, on behalf of the Executive Vice Chairman of NCC, Prof. Umar Danbatta, said the Commission, as a frontline driver of innovation in Information and Communications Technology (ICT) industry, organized the second edition of the NCC Hackathon with a view to drive the creation of problem-solving tech innovations.

Danbatta said that the initiative was in line with the objectives of the Nigerian Economic Sustainability Plan (NESP) 2020, NCC’s Strategic Vision Plan (SVP) 2021-2025, Executive Order 5 of 2017, and Section 1 (f) of the Nigerian Communications Act (NCA), 2003 which focuses on promotion of Nigerian content in contracts, science, engineering and technology.

The EVC added that the occasion also symbolises the NCC’s commitment to deliver objectives of pillars 4, 7 and 8 of the National Digital Economy Policy and Strategy (NDEPS) 2020-2030, and the aspirations of the Commission’s SVP 2021-2025 in promoting innovative services and maintaining effective partnership and collaborations with relevant stakeholders.

Earlier, the Executive Commissioner, Technical Services, Ubale Maska, who was represented by Head, Research and Development, Kelechi Nwankwo, noted that the event demonstrated the critical role that the telecommunications sector plays in addressing Nigeria’s social and environmental problems with innovative solutions. He reiterated the Commission’s commitment towards continuously supporting innovations for nation building.

Underscoring the determination of the Commission towards harnessing the potentials of Nigerian youth in addressing emerging challenges through ICT, Maska said the event boldly demonstrates Commission’s resolve to champion the efforts of government to leverage telecommunications-based solutions to address societal issues that need urgent attention.

Representatives of agencies in the security governance sector, telecommunications operators, National Financial Intelligence Unit (NFIU) and Ministries, Departments and Agencies (MDAs) that attended the event lauded the NCC for the meaningful initiative.

The existence of shared vision, partnership and collaboration amongst the Ministry of Communications and Digital Economy, its parastatals and the sector’s stakeholders have been identified as one of the reasons for the unprecedented 17.09 percent contribution of the digital economy sector to the Gross Domestic product of the second quarter of 2021.

The Director General, National Information technology Development Agency, Mallam Kashifu Inuwa, CCIE disclosed this in a paper titled “The Nigerian Digital Architecture: The Journey So Far.” The paper was presented at the World Fintech Festival, 2021. An event jointly hosted by Nigeria and Singapore.

Inuwa who was represented at the event by the Agency’s Director of e-Government Development and Regulations, Dr Vincent Olatunji, stated that the way forward for Nigeria in attaining vintage position in the global digital economy remains in the country’s resolve to public private partnership initiatives, funding, human capital, advocacy and continuity.

He said, “The digital economy, from Nigeria’s perspectives revolves around the utilization of digital transformation, knowledge and technology to deliver goods and services, economy that drives on the Fourth Industrial Revolution, (4IR), convergence of all sets of digital innovation that drives social economic development and economic output created from digital technologies and innovations.”

According to the DG, the redesignation of the Federal Ministry to Ministry of Communications and Digital Economy and the launch of the National Digital Economy Policy and Strategy, (NDEPS) were responsible for the paradigm shift in Nigeria’s digital economy adding that NDEPS was developed to reposition the Nigerian Economy in order to take advantage of the many opportunities that digital technologies provide.

He said that the eight pillars of NDEPS align well with the Economic Recovery and Growth Plan of the Federal Government and address the three key focus areas of Mr. President, namely economic development, anti-corruption and security noting that the various policies and strategies put in place by the ministry and being executed by its parastatals laid the foundation for the success recorded so far.

While listing Nigeria’s achievements through the Strategic Roadmap and Action Plan, he said the Nigeria Data Protection Regulation initiative has impacted the Ease of Doing Business, cross border data flow, creation of over 3000 jobs, international recognition, creation of a new sector worth N5.2 billion and protection of Nigerian against digital colonialism.

On IT project clearance, he said the initiative has saved the country over N30 billion and reduction in IT project failure in the country while under the Digital Literacy and Skill programme, over 20,000 Nigerians have been trained and 250,000 enrolled in both NITDA Academy and Digital Nigeria dot gov dot ng platform.

He concluded that “digital economy continues to play an important role in our developmental agenda as we move into the age of artificial intelligence.”

Governor Obiano rewards Mrs Eunice Ngozi Onuegbusi, from Ukwulu (Amagu village) Ward 1, polling unit 04 (Dunukofia LG) with a sum of 1,000,000 million naira.

In a viral video, Madam Eunice was seen rejecting a whooping 5,000 naira from APC agents in her polling unit inorder for her to vote against her conscience on Saturday, November 6, 2021.

In governor Obiano’s remark: “Madam Eunice knew that though money could buy her temporary relief, but Anambra would be a better place if she voted according to her conscience. It belongs to our loyal party men and women who resisted temptations of financial inducement from rival parties to fight under the banner of APGA because they knew that victory for APGA is victory for the ordinary citizens of our dear state. And finally, it belongs to Ndi Anambra at home and in the Diaspora who stood behind APGA, not because we have met all the expectations of our people but because even in the foundation my Team and I have laid so far, they see enough sunlight to believe that Anambra State is like the sun which is bound to rise, against all odds. And that is why we won this election.”…

~~~Izuchukwu Adichie

In recognition of the relevance and activities of the informal e-waste operators in the State, a comprehensive training programme was organised by the National Environmental Standards and Regulations Enforcement Agency (NESREA), in collaboration with Lagos State Environmental Protection Agency (LASEPA), Lagos Waste Management Authority (LAWMA) and E-Waste Producer Responsibility of Nigeria (EPRON), to expose the collectors to basic operating procedures as well as laudable approaches to mitigate environmental health risks associated with improper handling and management of e-waste.

Declaring open the training programme, which took place at the Digital Bridge Institute, Oshodi, the Director-General of NESREA, Prof. Aliyu Jauro, stated that the training was designed to highlight the opportunities and challenges inherent in circularity of the sector as well as zero-tolerance for non-compliance to established protocol by the operators.

Prof. Jauro, represented by Mrs. Miranda Amachree, explained that the programme was organised for E-waste Collectors in Lagos with a focus on Circular Economic Approaches for the Electronic Sectors in Nigeria and was funded by the Global Environment Facility (GEF), adding that the training has four components, namely: Implementation of the extended producers’ responsibility and legislation in the e-waste sector; Establishment of 30 collection centres to collect 300 tons of e-waste through formalised collection channels; Development of a cost-effective recycling system for various e-waste categories to develop regional and global knowledge exchange on a circular economy model for e-waste and the Establishment of an e-waste compensation programme.

The training exercise, according to him, would expose the informal e-waste handlers to basic information guiding their operations, such as Proper handling of Waste Electrical/Electronic Equipment (WEEE), Safe handling of WEEE, Proper usage of Personal Protective Equipment (PPE), statutory duties of collectors as well as the creation of the Standard Operating Procedure (SOP).

Mr. Olugbenga Aleriwon-Daniel of GEF called for collective action that would positively impact and protect generations yet unborn, expressing optimism that the training would positively rub on the participants and enhance a clear understanding of proper management of e-waste, enlighten participants on best practices in handling WEEE and create a better understanding of the roles of informal collectors in achieving circularity in e-waste sector in the country.

In her goodwill remarks, General Manager of LASEPA, Dr. Dolapo Fasawe, who was represented by the Director of E-Waste Management, Mrs. Adedayo Adebayo noted that the training could not have come at a better time, particularly at this crucial period when world leaders are presently gathered in Glasgow (COP 26) to proffer solutions to climate change, through the collective implementation of eco-friendly policies that would reduce the negative impact on the environment.

“Circular economy reduces pressure on the environment, improves the security of the supply of raw material, increases competitiveness, innovation, economic growth and job creation. To drastically reduce the dangers imposed on the society by disposed and dismantled electronics, we must continuously engage our people through education, advocacy, sensitisation and call for attitudinal change against all forms of pollution”, Fasawe averred.

To ensure effective delivery of the message, the facilitators, Mrs. Halima Kolo Mohammed (GEF Project Manager); Mr. Ayinla Sulyiman (LASEPA); Mrs. Esther Oluwapojuwo (LASEPA), Mrs. Chika Anidiobi (LASEPA), Mr. Ibrahim Musa (NESREA) and Engr. Kamoru Yusuf (LAWMA), took turns engaging the participants in interactive sessions in Yoruba, Hausa and Igbo languages for proper understanding of the working protocol guiding recycling operations in the country.

The high point of the event was the presentation of Personal Protective Equipment (PPE) to participants for safeguarding against danger and hazardous materials in the course of their duties.

LASG

ForAGreaterLagos

CAPTIONS:

PIX 1: Mrs. Adedayo Adebayo, representative of the GM, LASEPA, Dr. Dolapo Fasawe.

PIX 2: E-waste Collectors in Personal Protective Equipments

PIX 3: A cross-section of the e-waste collector

Ndi Anambra, ekenm unu.

Umu nnem, the outcome of this gubernatorial election presents hope and a new beginning for our dear state. For the second time in the last four years, Ndi Anambra boldly chose to stand on the side of positive history. People who thought that 21/21 was a fluke have seen history repeat itself in a most memorable way. 19/21 is a massive repeat of history. The difference is just two! And so, against intimidating odds, we stood tall and reclaimed the dignity of our people. Ndi Anambra, we proved to be true sons and daughters of our fathers and mothers and lived out the full meaning of our motto: Light of the Nation!

Fellow citizens, this sweet victory belongs to you. It belongs to that courageous woman in Ebenebe who turned down the N5000 bribe for her vote because she knew that though money could buy her temporary relief, but Anambra would be a better place if she voted according to her conscience. It belongs to our loyal party men and women who resisted temptations of financial inducement from rival parties to fight under the banner of APGA because they knew that victory for APGA is victory for the ordinary citizens of our dear state. And finally, it belongs to Ndi Anambra at home and in the Diaspora who stood behind APGA, not because we have met all the expectations of our people but because even in the foundation my Team and I have laid so far, they see enough sunlight to believe that Anambra State is like the sun which is bound to rise, against all odds. And that is why we won this election.

Ndi Anambra, in pursuit of excellence, we placed merit above narrow interests. We choose a candidate whose pedigree announces itself. Prof Chukwuma Soludo has a name to protect. I have no doubt that he will not let you down. However, on a personal level, Ndi Anambra, you have made me proud. You have shown the world that when a determined people come together as one in pursuit of what is right and just, they bend the arc of justice in their favour.

I must quickly warn, however, that the victory we celebrate today is not a winner-takes-it-all! The motto of our great party is onye aghana nwanne ya (be your brother and sister’s keeper). So, our arms are wide open to our brothers and sisters who fought this battle on other platforms to join APGA. As for those who allowed themselves to be lured away from our great party, our arms are wide open to you too. Please come home! The wound of political battles may be costly but it heals fast. We must not allow a brief struggle for power put a permanent division between families and friends. We must come together to build a prosperous homeland for ourselves and our children.

Ndi Anambra, this is a day of celebration; not for long speeches. The most important speech has been made by the people at the polls. So, I must end this address, but not without thanking the President of the Federal Republic of Nigeria, Muhammadu Buhari for allowing the will of the people to prevail in this election. Indeed, I am happy to recognize and appreciate the massive efforts of the National Chairman of our party, Ozonkpu Victor Oye, the former National Chairman and distinguished Senator of the Federal Republic, Chief Sir Victor Umeh, the Director General of APGA Campaign Committee, Prof Solo Chukwulobelu and of course, the Governor-elect of Anambra State, Prof Chukwuma Soludo. I also thank the leaders of the church and the traditional institution, leaders of the various market associations, farmers’ cooperatives, the town unions and our brothers and sisters in the Diaspora for playing active roles in this election. Without a doubt, you have demonstrated to the world that though we may fight with each other, the bond of brotherhood that holds us together is stronger than our disagreements!

My gratitude also goes to the Nigerian Police, the Army, the Navy and all the security agencies for providing a watertight security to ensure a peaceful election. I thank my beloved wife, Ebelechukwu for standing by me all through the campaign period and mobilizing umunwanyi Anambra to come out and perform their civic duty on November 6 and 9. Darling, oga adili gi mma!

In conclusion, Ndi Anambra, thank you so much for voting Prof Chukwuma Soludo. It is the best parting gift you will ever give to me!

God bless Anambra State
God bless Nigeria

Willie Obiano
Governor

Chooya, an Aba-based eCommerce Startup digitizing word-of-mouth marketing for African businesses and consumers, today announced funding of $950,000 in cash and program support from Entrepreneurship World Cup.

As one of the top 100 EWC finalists chosen from 200,000 participants spread across 200 countries, Chooya benefits from the over $75M service support from Misk Global Forum, Global Entrepreneurship Network (GEN), and other world-class partners.

Chooya will plow the resources into product development, marketing and human resources to reach businesses (local and online) struggling with new customer acquisition to help them digitize word-of-mouth marketing and grow their sales.
By default, for any business to reach new customers and grow their sales they have to engage in marketing. Unfortunately, currently available channels do not provide an easy or budget friendly way to automate word-of-mouth marketing which by research is the most effective type of marketing.
Chooya’s word-of-mouth mobile solution called “addds” plans to target 5,000 businesses by Q3, 2022 and help them boost sales by 3x.

Quick Facts

● Chooya was founded in 2019 as a “search engine for African traditional markets”.
● Chooya has been bootstrapped since its inception.
● Chooya has previously received recognition and awards from Alibaba Business School and African Leadership University (2020).
● Igwe Uguru the Founder and CEO of Chooya, is also the co-founder of RAD5 Tech Hub, an innovation hub focused on venture building.
● The Entrepreneurship World Cup is more than just a pitch competition. It gives everyone who enters access to the knowledge, networks and for some, the capital they need to start and scale a company.
● Chooya received a $100,000 national and $850,000 global prize from the EWC.

Quotes

“I was inspired to digitize word-of-mouth marketing by my experience helping my 72-year-old father at his local business. Without any form of paid commercial or social media ads, I watched the customers grow every single month through word-of-mouth marketing and helped my father train all his five children in the high institution. We are very excited about Chooya’s future and the impact we are set to make considering the impact of the COVID-19 crisis, especially on small businesses.”

  • Igwe Uguru, Founder and CEO of Chooya
    “As one of the top 100 EWC finalists chosen from 200,000 participants spread across 200 countries, we are excited to have Chooya join this community of promising founders. Through the Club, GEN Starters access global connections with experienced entrepreneurs, mentors and investors within the Global Entrepreneurship Network and our partners – as well as year-round opportunities for additional support and visibility through curated networking opportunities at special events and learning experiences through GEN Accelerates – our training platform.”
  • Jonathan Ortmans, President, Global Entrepreneurship Network

Nigerian child prodigy, Kanyeyachukwu chukwu Okeke’s strides in the art world is bringing more recognition to the country. Recently, Kanye as he is fondly called, was amongst the list of prestigious artists from around the world exhibiting their works at the prestigious New York Art Exhibition which took place at the popular Pier 36 Van Gogh auditorium in New York, United States of America. The event ran for 4 days between 26th – 31st of October and had artistes from all over the world but most especially those based in North and Southern America states, showcasing their works for art lovers and buyers to view.

Kanyeyachukwus presence and participation caused such a huge buzz at the event because not only was he the youngest artiste to ever showcase works here, but he is also one who is struggling with autism but doesn’t let it get in his way.

Kanye has over the years shown that children living with autism can make a difference in the world when given adequate support and through the support Kanyeyachukwu has gotten from friends, family (especially his mum and dad), institutions etc. his works have graced various galleries from Africa to Europe and now North America, thus drawing widespread commendation from his admirers.

An art enthusiast, collector , art critics , galleries and the organizers of the event, the Redwood Media Group, US, showered praise upon praise on Kanyeyachukwu as they remarked that “this is one of the most creative childs they have ever seen, especially from Africa. His works are world-class and his strokes are well mastered. He will go a long way in the art world”

Not done yet, Kanyeyachukwu in company of his parents and family, were accorded a welcome reception by Rytis Paulauskas, the President of the UNICEF who on behalf of the organization received one of the artists paintings, a donation titled “Basket of Unity” to help spread awareness about the scourge of autism and the “no child left behind” campaign of the artists K.A.S foundation.

It was all celebrations and outpouring of encomiums from all those who witnessed the ceremony at the UNICEF headquarters in downtown Manhattan New York as all, including the President of UNICEF were amazed at what they were seeing.

What could be said as the highpoint of that reception was when Kanyeyachukwu upon requesting for painting materials, began and produced a painting right there in the conference room where the reception was taking place and presented it to the President of the UNICEF as a personal gift to the utter astonishment of all present.

Speaking at the event, The Nigerian Permanent Representative to the United Nations (UN), Prof Muhammed Tijani -Bande who joined the President of UNICEF to receive the artist and his entourage said “This is a young man who has produced wonderful works, notwithstanding what seems like a disability, and he has shown that with good nurturing and support, any child can make it. I am really happy that he is sharing his talent to the world. We must know that special children like this must be guided and Kanye’s parents have done a wonderful work in this aspect.”

Rytis Paulauskas,the president of United Nations Children’s Fund (UNICEF) in his remarks while going through the brochure of his past works, declared that Kanyechukwus’ artworks are “outstanding” and that they send a clear message of hope that no child should or will be left behind. The reception and presentation rounded up with the presentation of the “no child left behind” official campaign T-shirt adorned with art works of the artist, to the UNICEF President and his team.

Still not done yet. The artiste and his entourage where again hosted to another memorable and heart warming reception as another masterpiece by Kanye titled “abundance” was this time unveiled at the Nigerian House in New York, the edifice that is still regarded as the pride of all Africans who live and work in New York.

Upon arrival, the group met with The Consul General Amb Amb Benayagha Bernard Mese Okoyen and were immediately ushered to the 2nd floor of the building, where the painting had already been well hung and positioned, awaiting its unveiling and a small reception had been organised.

Once again, it was a showering of encomiums and praise, starting with the Consul General Amb Benayagha Bernard Mese Okoyen , who spoke glowingly about Kanye and quite impressively spoke about autism and children with special needs as one of the issues they see everyday over there and how they take into cogniscance such issues when planning their days at work.

“When you realise that according to the CDC (center for disease control and prevention), in America alone 1 in 54 children has been identified with Autism Spectrum Disorder and about 1 out of every 6 children aged 3 – 17 years have been diagnosed with a developmental disability in the last 10 yrs. These figures are bound to get worse and even more here in our still developing Nation and continent and where it has become almost difficult to get accurate statistics concerning this problem as facilities to cater for them are still almost non-existent and so many parents still have stigmas and superstitious beliefs to deal with before the care for their child/children begins.”

Others who spoke at the Nigeria House unveiling of “abundance” where Kanye’s grandfather Chief Simon Okeke, who gave a glowing tribute to his grandson and Consul Natalia Adanu who is the Head of Admin in the consulate.

Kanye has over the years showcased and exhibited in many art exhibitions and galleries all over the world and today, his work stands tall at the headquarters of the UNICEF and the Nigeria House Nigeria Consulate both in New York, a testament to the gift in him.

His story has proven that with love and care, children, Special needs or not, with whatever ailment or condition, are still important and integral parts of us all. They can contribute to the betterment of the society, they can also be nurtured to live a productive and independent life once they are taken good care of hence the mantra “No Child Should Be Left Behind”. This Twelve year old child’s art and his story has shone bright lights on the issues surrounding the care for children with Special needs in Nigeria and the world at large.

Should you ever be a visitor to the UNICEF hq in new York, stop and ask for the site where Kanyeyachukwu’s painting is on display within the building. Should there also be any reason for you to visit the Nigeria House on 2nd ave New York, it would also be a good opportunity to have a look at this young mans abstract work on display and let pride and joy fill you up even as I assure you will be mesmerized.

Cybercrime: NCC Reports new Malware AbstractEmu, attacking Android Devices

The Nigerian Communications Commission (NCC) wishes to inform telecom consumers and the general public that a new Android malware has been discovered.

The malware, named ‘AbstractEmu’, can gain access to smartphones, take complete control of infected smartphones and silently modify device settings while simultaneously taking steps to evade detection.

This discovery was announced recently by the Nigerian Computer Emergency Response Team (ngCERT), the national agency established by the Federal Government to manage the risks of cyber threats in the Nigeria, which also coordinates incident response and mitigation strategies to proactively prevent cyber-attacks against Nigeria

AbstractEmu has been found to be distributed via Google Play Store and third-party stores such as the Amazon Appstore and the Samsung Galaxy Store, as well as other lesser-known marketplaces like Aptoide and APKPure.

The advisory stated that a total of 19 Android applications that posed as utility apps and system tools like password managers, money managers, app launchers, and data saving apps have been reported to contain the rooting functionality of the malware.

The apps are said to have been prominently distributed via third-party stores such as the Amazon Appstore and the Samsung Galaxy Store, as well as other lesser-known marketplaces like Aptoide and APKPure. The apps include All Passwords, Anti-ads Browser, Data Saver, Lite Launcher, My Phone, Night Light and Phone Plus, among others. 

According to the report, rooting malware although rare, is very dangerous. By using the rooting process to gain privileged access to the Android operating system, the threat actor can silently grant itself dangerous permissions or install additional malware – steps that would normally require user interaction. Elevated privileges also give the malware access to other apps’ sensitive data, something not possible under normal circumstances.

The ngCERT advisory also  captured the consequences of making their devices susceptible to AbstractEmu attack. Once installed, the attack chain is designed to leverage one of five exploits for older Android security flaws that would allow it to gain root permissions. It also takes over the device, installs additional malware, extracts sensitive data,  and transmits to a remote attack-controlled server.

Additionally, the malware can modify the phone settings to give app ability to reset the device password, or lock the device, through device admin; draw over other windows; install other packages; access accessibility services; ignore battery optimisation; monitor notifications; capture screenshots; record device screen; disable Google Play Protect; as well as modify permissions that grant access to contacts, call logs, Short Messaging Service (SMS), Geographic Positioning System (GPS), camera, and microphone.

The ngCERT also asserts in the advisory that, while the malicious apps were removed from Google Play Store, the other app stores are likely distributing them. Consequently, the NCC wishes to reiterate a two-fold ngCERT advisory in order to mitigate the risks. The two-fold advisory include:

1.     Users should be wary of installing unknown or unusual apps, and look out for different behaviours as they use their phones.

2.     Reset your phone to factory settings when there is suspicion of unusual behaviours in your phone.

The NCC, in exercise of its mandate and obligation to the consumers, will continue to sensitise and educate telecoms consumers on any cyber threat capable of inflicting low or high-impact harms on their devices, whether discovered through the ngCERT or the telecom sector’s Centre for Computer Security Incident Response managed by the Commission.

It will be recalled that the NCC, in October 2021, alerted telecom consumers of the existence of new, high-risk and extremely-damaging, Android device-targeting Malware called Flubot and outlined steps to prevent the eir devices from being attacked by the virus.

Information overload is, conversely, one of the biggest barriers to financial health. Here’s how to stop the analysis paralysis.

By Sakhile Mabena, CEO of OFIN

With the best intentions, many people turn to Google when trying to improve their financial health. And five minutes later, they give up. Why? Because searching for “how to improve financial health” delivers no less than 83 ‘steps’ to do so on the first page of the search results. Any would-be financial mogul has just been bombarded with so much information – some of it simple, some of it complex, and some of it conflicting – that they’re too overwhelmed to even start.

Down the rabbit hole

Though there’s an abundance of information available on any given topic today, the financial services sector is particularly prone to information overload. Financial products are often complex and can be overwhelming for consumers who aren’t financially literate or astute.

On top of that, the conventional view that the more choices we have, the more likely we are to find the best solution, is a fallacy. Research shows that if there are too many options, people are less likely to buy a product. More options require more time and effort to process, causing processing overload and leading to inertia or procrastination. Even if the more adamant consumer pushes through, they’re more likely to have buyer’s remorse – their high expectations, given the variety of options, leaves them feeling less satisfied than customers who had a limited selection.

Coming up for air

The answer? Limit the flow of information. As Voltaire said: Best is the enemy of good. By trying to learn everything about financial health, you’re setting yourself up for failure. So, limit yourself to two or three choices. Do some basic research, but stop there. It’s much better to get started somewhere and learn and adjust as you go along, than to aim for perfection and never achieve anything.

Secondly, set a deadline. Decide to read up for an hour or so each night and to then make your decision within a week. This can help you cut down the options.

Lastly, talk to someone in person. It doesn’t have to be a financial advisor, but it should be someone who has some experience and seems to be financially healthy. Ask them to guide you on how to get started.

Taking action

Information overload is, of course, not the only reason people don’t take control of their financial health. Once they have the right information and have set a goal, the so-called intention-action gap is the next big canyon they must traverse. Everyone has experienced the destructive cycle of setting a goal at New Year and not following through – and this applies to finances too. Sometimes, the reason is our tendency to favour immediate gratification over long-term rewards. Other times, the goal was simply too ambitious.

The best way to overcome the first is to use a so-called commitment device. In the world of finances, this could be a savings account that disallows withdrawals or imposes fees for early withdrawal, or a debit order that collects savings or retirement funds on payday.

For the over-achievers, remember to keep things simple. Aim for smaller goals – don’t overspend, take out insurance, aim to beat inflation, and continuously improve your skills – and trust that, in the long-term, these small steps will reap big rewards.

Governor, Senator Abubakar Atiku Bagudu says justice is key to the entrenchment of credible leadership.

He said,” Justice is a hard ware for good leadership and it’s not external to it.”

Bagudu spoke in Argungu on Frdiay at the Silver Jubilee Celebration of the Sarkin Kabin Argungu, Alhaji Samaila Mohammed Mera and investiture ceremony of Senate President Ahmad Lawal as the ” Ganuwar Kabi’, Senator Orji Uzo Kalu, the Chief Whip of the Senate as ‘ Kibiyar Kabi’ and Engr Garba Haruna , the MD/CEO KAEDCO as Garkuwan Kabi’

Bagudu stated that to deliver good Justice, leaders must hold unto something that serve as recipes.

According to the Kebbi State Governor, political leaders in Nigeria have a lot of sterling lessons to learn from the traditional institutions,especially the Sultan of Sokoto, Alhaji Saad Abubakar and the Emir of Argungu.

He particularly extolled the celebrant, saying, ” he has exemplified leadership and best character, as well as an unblemished responsibility.

” It is not however surprising as he succeeded his late father who also successfully ruled the ancient Kanta Dynasty for 36 years.”

Similarly, the Chairman of the APC Governors’ Forum said that Mera has remained steadfast , just as he exemplified personal leadership.

He noted that the celebrant was doing his best to uplift Argungu Emirate, Kebbi State and Nigeria,in general.

” We appreciate all that you have been doing and we are fervently praying for abundant good health and long reign for you,” Bagudu, added.

He also lauded President Muhammadu Buhari for always identifying with Argungu Emirate and Kebbi State, in general.

Bagudu averred,'” we are thanking him for his ceaseless support and for what he is excellently doing for Nigeria.”

The governor also stressed the need to use the high population of Nigeria as an opportunity to further unite the nation and not divide it.

” We should always focus on what unify us and what is established in the world , in order to deliver more prosperity to our people,” Bagudu, urged.

Bagudu congratulated the Emir of Argungu on his 25th anniversary on the throne as well as the Senate President, Ahmad Lawal for the traditional title of ‘Ganuwar Kabi’, Senator Orji Uzor Kalu, the Chief Whip of the Senate as ‘Kibiyar Kabi’ and Engr. Garba Haruna Argungu, the MD/CEO KAEDCO as ” Garkuwan Kabi’.

Sultan of Sokoto, His Eminence, Alhaji Sa’ad Abubakar III, who is the Chairman of occasion called upon leaders in Nigeria to uphold justice in whatever they do. He said justice was the foundation of any society.

He cited example of late Shiek Usman Dan Fodio style of good leadership and justice“Sheikh Usmanu Dan-fodio once said:’ A nation can endure with unbelief but it cannot endure with injustice’; and we should take note of this and work on it.”

The President General of Nigerian Supreme Council for Islamic Affairs thanked Allah for making the event possible and the people who had come far and near to grace the occasion.

“By the will of Almighty Allah, we have all gathered here to be part of history and happily come together to pray for our brother, the Emir of Argungu, who has just clocked 25 years in the service to Islam and service to humanity.

“We are one family, in spite of our different backgrounds, as we have gathered here to continue to strengthen brotherhood as brothers and sisters from different parts of the world.

He also wished the emir best in the future years to come, praying that may Allah make it possible for the emir and all the leaders that gathered to come back and mark 50 years of leadership.

He thanked President Muhammadu Buhari represented by Minister of Justice and Attorney- General of the Federation, Abubakar Malami, (SAN) Senate President, Alhaji Ahmed Lawan, Shehu of Borno, Abubakar Umar-Garbai, El-Kanemi of Borno, other traditional rulers and senators, governors, and members house of representatives and politicians who attended the occasion.

The celebrant, Emir of Argungu , Alhaji Samaila Muhammad Mera who clocked 25 years on the throne
thanked all those who attended the ceremony.

Mera thanked Allah for giving him the opportunity to inherit the throne of his ancestors which was established 500 years ago and protected by its founding fathers from demise.

The monarch expressed gratitude to Governor Abubakar Atiku Bagudu for his immense support to Argungu emirate and for making the celebration a huge success.

He also appreciated late Head of State, General Sani Abacha for keeping Argungu emirate peaceful and the ruling house intact , saying he received his letter of appointment as an emir two days before the announcement of his appointment.

Mera thanked Sultan of Sokoto for his fatherly advice to him as well as appreciated his colleagues, the Shehu of Borno, Emir of Gwandu and traditional rulers from Niger republic who graced the occasion.

He thanked the entire people of Argungu emirate for their support and contribution to the prosperity of the emirate.

‘ The turbaning is a great event of national unity because traditional titles throughout history have served to unite warring parties ,build alliances and promote friendship among tribal groups.

” My reasons for conferring traditional titles on different personalities is aimed at unifying Nigerians and promote national unity ‘, he averred.

In his vote of thanks , on behalf of the Senate President, Ahmad Lawal who bagged the traditional title of ‘ Ganuwan Kabi’ said bestowing traditional titles on them and their turbaning has been a great honor to them that has consequently made them sons of Argungu emirate.

According to him, they would do everything possible to protect and contribute to the development of the emirate .

‘ We have enormous responsibilities on our shoulders which we shall discharge deligently’

He described the emir of Kabi’ as a just ruler who has been mobilising Nigerians towards strengthening national unity and cohesion.

Highlights of the historic event was the delivery of a lecture titled ‘ Leadership, Responsibility and Justice by the Chief Imam of National Mosque, Abuja, Shiek Ahmad Ibrahim Maqari .

The historic event was attended by important personalities which include Minister for Justice and Attorney General of the Federation, Abubakar Malami (SAN) who represented President Muhammad Buhari, Minister for Information and Culture, Alhaji Lai Muhammed , the governor of Yobe State, Mai Mala Buni who is the Chairman APC Caretaker and Extraordinary Convention Planning Committee, Governor Aminu Waziri Tambuwal of Sokoto State, Rt Hon Aminu Bello Masari,Gov of Katsina State , former governors, Alhaji Musa Garkuwan Yauri, Alhaji Saidu Nasamu Dakingari , Alhaji Attahiru Dalhatu Bafarawa and the Deputy Governor of Kebbi State, Rt Colonel, Samaila Yombe Dabai.

Others are emirs, Senators, Members of the House of Representatives, State House of Assembly members, Commissioners, Permanent Secretaries, Special Advisers, religious leaders, civil servants and politicians among others