Showing posts with label business. Show all posts

From betrayals to victory - My rollercoster life lately

A lot has been going on of recent. I've had to deal with betrayal and disappointment from a staff, and this really shook me. Anyway, as life requires, I had to move on, and move on fast. This required immediate hiring of new staff, temporarily dropping out of the gym and facing business restructuring head on. This is still in the works, as it is a busy period for us at African Naturalistas

We have been preparing for several events at work, Beauty West Africa, Naijabrandchick, and Afro Hair and Culture Festival. For the past few weeks, we had been getting ready for Beauty West Africa. It was three-day exhibition of beauty brands all over the world at Landmark Events Centre.

I had the opportunity of exhibiting and speaking at one of the panel sessions. My own session was on "Developing Global Positioning for African/Ethnic Brands –How Do We Build Strategic Partnerships to fast track our Beauty Business?"

Mama, we made it! Lol.



With my fellow panelists



Introducing African Naturalistas on Day 1

With the Medplus and NAFDAC team

One of the major highlights for me was winning the SME Exhibitors award, organized by Lanre Olusola and Compass Global Consulting. I had been very exhausted the first night of the event, and wrote my pitch with sleepy eyes just as I was about to go to bed. I then took about twenty minutes the next morning to practice it before starting another vigorous day of exhibition, selling and speaking on my panel. I basically didn’t have time to prepare they way the typical me would prepare for any competition. That’s why I was very glad I won.


With The Catalyst himself, Lanre Olusola, Tokubo Chiedu of compass global, Femi Niyi of PTF orchid

The 4 SME Exhibitor winners (African Naturalistas, Afro by Nature, KL's Naturals, Bare Naturals)


All in all Beauty West Africa was a good event for me, and my eyes opened to so many things. I'm glad I was part of it.



Our stand at the event

I will be in Abuja in two weeks time for the Naijabrandchick tradefair. Where are my Abuja people? Please holla at me if you will be in Abuja on December 7, 2019, so we can hook up.

A completely honest post: The downside of marriage and motherhood

I interviewed some very smart young ladies over the phone this past weekend. I asked them for feedback over the shortcomings they have noticed on my business page. While their answers were very revealing to me, what struck me was the fact that majority of the trends in my life that I am currently not satisfied with was largely due to my fault.

I have been complaining of less productivity, declining results, etc. But as I traced the timeline in my head, I realised that this negative trend started when I got married, and later started growing my family. It is not that I became lazier or laid back, but I completely ditched some important aspects of my business, and outsourced what I couldn't ditch to people. Outsourcing is not bad, but I didn't occasionally supervise the outsourced areas. And I also realised that the parts I ditched should never have been ditched in the first place, at least, not for so long. This is because this is actually the engine that ran the entire business, something I was completely oblivious of.

Ever since I got married and started building a family, my creativity has been on the decline. Sometimes, I look at old articles and quotes, and ask "was I really the one who wrote these things? Where is my former brain?" It's like since I left my parents' house, my brain has shut down. After I had my son in 2017, I have been under constant pressure (self-imposed), I hardly smile, I can't remember when last I genuinely laughed, my level of productivity has declined, taking my income along with it. I like to think that I've been able to balance motherhood, marriage, and business, but if I am not producing as much result as I used to, then the balance is just an illusion. The truth is I haven't yet found a rhythm that works for me, like I had in my single days. It's like the world is moving forward, while I am receding

Please, if anyone reading this has gone through, or is going through what I am currently going through, let me know in the comment section. If you are already out of it, how were you able to free your mind from being held back.

P.S: I am talking about lack of, or decline in productivity and results, as a result of change in marital status or motherhood, not marital pressure in itself

Chasing the next level, WIMBIZ conference, et al

Why do we like looking forward to the next phase of our lives, so much so that we don’t enjoy the current phase? Societal pressure hasn’t made this easier. As a single girl, people are looking forward to your marriage. As soon as the wedding is over, the womb watchers won’t get their eyes off your midsection until they spot a bulge. And once your first child started toddling around, they ask you why you are taking too much time, with stories of how gaps between siblings shouldn’t be too wide. It’s as if we are always chasing the next level, and hardly catching it before it slips away again. Personally, I am guilty of not enjoying the moment because I am always worrying about how to accomplish the next goal on my list. I wonder if I will ever get to the point when I will be at peace enough to rest, and say to myself “I have tried.”

I don’t know if it’s just me experiencing this, but doing business hasn’t been so palatable this year of 2018. There has been more misses than hits, and lord knows I worked my head off this year. I can’t really tell if it’s because I took some wrong steps, and didn’t calculate well, or if it’s just an economic thing affecting everyone. I will like to hear what you all think about this.

I left Instagram… again. I wasn’t as pissed with it as I was in the past, but I wasn’t just having it. I think I have found a way to maintain a social media presence without being there, just that it might cost me. Anyway, I’m still exploring my options. Let’s see.

I went for WIMBIZ conference last week. It was really fun, and eye-opening in some aspects. I don’t think I will be going again though, cos I think it’s too expensive for what I got from it. I used to wonder how they always get to fill the hall, despite the high cost. It was when I got there I found out that 80% of the attendees were sponsored by their companies i.e. big corporations in Nigeria. Very few people brought out their hard earned money to attend, like me.

Below is my look for the Wakanda-themed after party for WIMBIZ. I felt overdressed cos most people didn't follow the theme at all. They just wore Ankara blazers and trads. Such party-poopers, lol.


My new friend, Chibu, photobombing my selfie, lol.

Ten Unconventional Startups you can practice in Nigeria


I wrote this article for my University class's Whatsapp group, because I coordinate discussions around startups. I felt some people my benefit from it, and since I was the one who put it together, I decided to share it here. Hopefully, someone can pick an idea from here, and make millions from it. Please remember to pay your monthly tithe to me if you are that person.

The good news about these ideas...

  • You can run them even if you are a full time worker
  • They are scalable (it depends on how big your dreams are 😄)
  • You can use IT to run them if you like
  • They require little or no investment

So here goes

Third part interference in Marriages... and other STRONG nmatters


Hi everyone. Hope we are all doing great, and enjoying our Easter Break? Did I abscond from the blog? No! Never! I can’t even try it, lol. Happy Easter to everyone reading this blog. I hope you are enjoying your long break. So with the recent developments around me, a lot of things have been on my mind, and I would like you guys to weigh in on some of them.

I remember vividly sometime in the year 2012, former president Goodluck Jonathan came to Lagos. I was on my way back home from work when I was stopped at the end of third mainland bridge. It was so painful because I was just about to pass when we were all stopped. No one gave us any reasons. I was just looking at the clear empty road ahead of me yet I couldn't go. We were made to wait for over 1 hour before we could pass. You know the funniest thing? The president did not even pass our road. He passed the other side of the bridge, the one facing the island. So why on earth were we who had nothing to do with his route stopped? I was so pissed with that government that I vowed to never vote for them even though I never did before. So you can imagine last week when the whole Lagos was in a chaos because of a presidential visit. I wondered why we operate an oppressive government. Were those complicated logistics really necessary? Were there truly no other ways the president could have come into town with other citizens getting frustrated? Selah

I'm currently wondering when it's time to start being strict and stern with a child.

My short but interesting interview on Wazobia Max

Hello people. Hope we are all doing well? Sorry for the absence of post last week... and yesterday. Been trying to clear up some last minute tasks in a jiffy.

I got invited to appear on Hello Nigeria, on Wazobia Max, as the inspirational woman of the week sometime last month. Even though the interview was short (in my opinion), it was enjoyable. And I like the fact that the video was put on youtube some days later, for my records. I don't understand why they titled the video with what they did though, lol.

Looking at how my cheeks appear, it's apparent that TV definitely makes me look bigger. Or maybe it's just Wazobia Max screen, lol.

I talked about several aspects of my life, and was able to cover a lot in such a short spate of time. I will appreciate it if you can watch the nterview below, and give me feedback, or just say what you think about it.



Expecting your comments. Thank you lovelies

Doing business is risky, and other random thoughts

Hello everyone, how are we all doing? It's been long I did a set of random posts, and I feel like doing one now. So let's go


I am extremely tired. From Monday till Saturday last week, I was on my feet from morning till night (from 11-12 hours everyday). This week doesn't seem like it will be any different. How does one achieve balance, cos right now, so many parts of my life are out of tune at the moment. By the grace of God, things will get better in a couple of weeks.

I really need a camera. Who loves me, and is willing to get me one? I need it for a banging blog (why rebrand when you are not ready to upload high quality pictures?), I need it for my business (product upload, development, etc), I need it to shoot videos (my spoken word career needs a new life), and so many more reasons. Do I need to tell you more? Oya please get me a camera. I promise to love you forever if you do.

Cutting your nose to spite your face

As you all know, I run African Naturalistas, and one of our major materials are the plastics we use to package the products. Lately, the prices have been soaring so high like a kite in the sky, that it was becoming outrageous.

There's a particular set of plastics I have been looking for in small quantity (hundreds), which had completely disappeared from the market. So I went to the company that manufactures it, which is the company I actually buy my plastics from. The only issue was that I'd have to buy the plastic in thousands even though I didn't need that much.

On getting to that company, I noticed the whole place was empty. Everything was dead. There were no vehicles packing plastics or offloaders working. There were no people at the reception, waiting to see the sales personnel, etc. I began to suspect that something was wrong.

When I got to the sales office, only one person was around. I told her the plastics I wanted to buy, and she said it was finished, that I should come back in two weeks time because there's something wrong with their power, and they couldn't power their machines. I asked about some more plastics, she said they weren't available. I drilled down further, and realised there were no plastics of any king available.

It was at this point I started to suspect something was wrong. If it was a small company having issues, I would have understood. But it was one of the biggest plastic factories in Lagos, moulding for giant cosmetic companies. There was no way they would accept power generating issues to shut them down for over a month, with no hope in sight. Moreover, Indians don't joke with labour and money.

So in my course of interaction, I found out that it was the blowing of the gas pipelines in the Niger Delta region, by the Niger Delta Avengers that shut them down. Apparently, many companies, including this one I deal with use those gas to power their factory. So something that happened far in the Niger Delta is affecting us here in Lagos.

Now, here is the irony. If you know anything about the local plastic market in Lagos, the trading aspect is run by the people of the East, Niger Delta, and that region in general. That is their source of livelihood. They buy these plastics from Asian manufacturers in Mushin and Sango, and sell to small businesses who can't deal directly with the manufacturers because they can't afford to buy in thousands.

So you decided to show the Federal Government pepper by bombing gas pipelines, thus affecting a lot of businesses, thus crippling the source of livelihood of your fellow townsmen in other parts of the country, so they begin to go hungry. And you think it is the Federal Government that is suffering?

Who are we really kidding? When we do things, in form of revolution or protest, we better think about who it is really going to affect in the end. We might as well be stabbing ourselves in the chest.

This is just a typical example of cutting your nose to spite your face

Source

The Dummy's guide to making money during the Economic financial crisis

(Making the Inversely proportional equation work in your favour)


Do you know that every single second naira falls against the dollar, the monetary value of everyone who earns in naira drops. This means that if you were rated 40% poor last year, you have automatically become 80% poor now.

I am not here to trend-blog or complain about the economy. I just want to open your eye to some facts, and if possible, encourage you with some thoughts.

Before I start, I need to mention the fact that I am not an economist or financial expert. I am just a young business woman who understands mathematics very well. So we won’t be plotting supply and demand graphs, discussing 10 steps to wealth acquisition in the time of recession or spewing economic jargons that frankly no one likes to read. We would not be talking about the government, how to attract investors, diversify the economy, or all the things you have been reading and hearing since December 2015.

We would be talking about just one thing, and that is YOU. In fact, the whole of this article is going to be simplified into just two basic points that even the most simple-minded educated person can understand.

Firstly, to put it straight, this is the worst period to earn in naira, and spend in dollars. The more you do that, the poorer you become. So for now, if you want to buy foreign products, use the money you have earned in dollars. If you haven't earned dollars, please buy Nigerian products. It's that simple.

Now, that’s the first level, which is the most basic way to survive in these times. Earn in naira, spend in naira. The bite of the fall in naira will be reduced on you. But there’s a higher level.

If you are very observant, in this period in Nigeria, there are three categories of people. Firstly, the ones who are all over social media, schools, work, churches, mosques, etc. complaining about how terrible the economy is. I call them the victims.

Secondly, we have the decision makers, who are either trying to salvage the economy or sabotage the economy, depending on the divide you fall into. They are mainly people in the government, who get blamed for everything, ranging from why the naira has descended to a level lower than Jesse Pinkman did in Breaking Bad season 2, to why the cockroach we sprayed in our rooms last night with insecticide refused to die, to why we are having the 7th daughter in a row after trying to have a male child in vain. I call them the villains

And lastly, there are the wise people. They are the ones who at this moment are very quiet. They are not complaining. In fact, they are hiding undeground. They are taking advantage of this situation, and making serious money. That is what they do. They take advantage of every situation you drop them into, and turn it around for their goods. I am in this third category, and you can also join it.

Remember I said when you earn in naira, and spend in dollars, you become poorer. This is an inversely proportional equation. Therefore, the reverse is the case. When you earn in dollars and spend in naira, you become richer.

So you would think that in situations like this, many people would wake up to this reality, and take advantage of the situation, instead of complaining about how Buhari or Jonathan has ruined the economy.

The world is now a global village, so don’t think you cannot earn in dollars. Not only can you export products, you can export services and intellectual properties. When you write a book and sell on amazon, do you earn in naira because you are a Nigerian? No, you earn in dollars and pounds.
Google adsense pays bloggers in dollars. As an editor catering to writers all over the world, you would get paid in a foreign currency. There so many services you can sell on fiverr.com. The common factor here is that the market be international.

There are so many services you can sell all over the world without leaving the comfort of your room. You don’t even have to take your bath if you don’t want to. The days of people rushing to work every morning as the only option to earn income are fast plunging into oblivion. If you are still stuck in that era or mindset, get ready because the moving train is about to leave you behind.

This is the time when any idea you are developing should cross the boundaries of Nigeria. And if you are exporting physical products that are in wide demand, lucky you, it is your time to get rich while others are crying.

As a one-liner bonus, I’ve said this and would keep saying it. Watch your tongue. Don’t spew careless words this season. If you don’t have anything good to say about the economy or your situation, don’t say anything!

In essence, what I am saying is that it is not all gloom and doom that everyone seems to think it is. Don’t believe the inverse hype, people are getting rich. You can choose to join them or sing the bandwagon canary song. It is your choice. The question is “are you willing to put in the work it takes?”

The Year called 2015 - My life as the Boss of all

Happy new year to all of you. How was your break. How was 2015? And what would you do differently in 2016?

2015 was a great year. I achieved almost everything I set to achieve, except one thing. I set out to live a well-balanced life this year, because I suffered burnout in 2014, and I was able to do that.

I suffered a setback in the second quarter, but it didn't get me down. The devil tried, but I dusted it and moved on. Depression is a terrible and dark thing, and I am not going down that road.

I had serious peace of mind this year. It was as if the Holy Spirit came down on me, and gave me grace to deal with things I couldn't control. I stopped seeing some things as a disadvantage, but rather, as stepping stones to greater heights.

The first half of the year was majorly me getting some necessary credentials to further my business and career. I like reading, but I don't like school book, so this took a lot of psyching for me. I put my head down, spent time, spent money (loads and loads of it), and went back to school, lol. I read (oh gosh I read my head out), cos I hate failing (you all know that), and A- or B for me is a failure (a mindet I developed in 2007). So I read and read and got board-certified as Holistic Practitioner of Trichology and Advanced Cosmetic Scientist (Two different schools).

I got awards, accolades, recoginitions, plaques, etc. I became an industry-expert.

I gave myself to my teenage students wholly. If you ever invited me to do anything on a Saturday or Sunday, and I declined, well, they are the reason. At the end of the year, I won Coordinator (Teacher) of the year in my teen's church. I honestly think it was the grace of God, cos I don't consider myself that selfless.

I did less spoken word performances than I did in 2014, but oh boy, I made more money in 2015 because my fees increased, and I turned down some performances due to clash in schedule, unavailability due to travel, etc.

I became more diplomatic and more emotionally intelligent in 2015. Teaching the new era teenager and handling about 7 leadership roles would do that to you.

I was the most conscious of my diet and my work outs this year (my mum would ask what weight I am trying to lose). No I wasn't on a weight loss goal, but an active lifestyle is my fuel, and I need to keep my energy level high.

I read only 19 books this year, the lowest I've done in a long time. It's because I kept picking this books that were bigger than the bible to read, lol, such as Les Miserables, My life by Bill Clinton, etc. I'm sure I'd do better next year. P.S: If you see a book called It's Your Time by Joel Osteen, please don't bother reading it. It's just a waste of time, with no real foundation. I have nothing against Joel Osteen o, but men, do yourself a favour and read something else.

Someone called me from UK, and started telling me things like "Nigerian economy is bad, you guys are in trouble, everything is down for you." I smiled and said "Nigerian economy might be bad, but my economy is not bad." And no, this is not motivational speaking, it is pure business sense. I will clarify to you guys in December 2016.

I rocked 2015 like a Boss

But mehn, 2016 is going to blow my mind.

This is my mantra for 2016: A LOT CAN CHANGE IN ONE YEAR.

With the guidance of the Holy Spirit, I'm going to be spending this year gunning down challenges like a gangstar (only a word artist can use Holy Spirit and gangstar boss in the same sentence, and get away with it). See my game face below, if you don't believe.


I was called a liar yesterday!

So I was in church by past 8am yesterday when I turned off my data to get last minute emails before I start working when I saw an email from the punch correspondent who interviewed me. She had sent me an email by 7am but I did not see it on time because of church rush.

I started calling people who could buy the newspaper on their way to church so I could take a screenshot and publicise it. It was difficult as everyone was saying they couldn’t get newspaper for one reason or the other, but eventually found someone, and my mind became at rest.

My work started by 8.45 on the dot, and by 9.30am, the person came to me, and explained how he couldn’t get it. By this time, I had to stop myself from panicking cos I did not plan to get home till about 9pm, and by then, the day would be over. I got back to continue my work with the teens.

After teaching/preaching sha, I had like another 45 minutes of rest before my next meeting. It was then that it occurred to me that I should call my mum to get the paper and read the interview. All I needed was for her to see it with her eyes and tell me the page.

I picked my phone, and immediately saw a twitter notification from HoneyDame. I never knew there would be a time HoneyDame would come through for me in a time of emergency, because not only did she notify me of the interview, she had done a screenshot of it. It was as if God told her exactly what I needed at that time, and just told her to do it. I was so excited, though she didn't realise the impact she had on me because there was no way I could have left church to get what I needed.

Courtesy HoneyDame

So I took her screenshot, and used it for publicity, and then called my mum to buy the paper, and keep it for me till I get home at night. By this time, amidst the plenty talk with teens here and there, it was time for the next meeting, and then the next one. By the time I was settled, it was about 2.00pm.
I went straight to my car, got my laptop, and resumed work for the day. I was well prepared cos I had to be at the SheHive open house for young entrepreneurs by 5pm, and there was no way I was going to go to the mainland, and return to the island. And the amount of work waiting for me was just too much. So I stayed back, worked, and left church by 4.30pm. Of course, my car was the only one in the premises, and it is not a small church by any criteria.

I went for the gathering, and finally got home around 8.30pm, and my mum gave me the newspaper. I just took it, kept it aside, and continued working till late. If you didn’t read the interview yesterday for any reason, you can read it online here.

I really wish I could say this stressful weekend was a one-off for me. But my weekends are always packed even though I turn down a lot of appointments. They are far tighter than my week days, even though I don’t even go to social gatherings – no weddings, parties or all that, except I am performing there.

Someone said I lied about the fact that I started with just N3000, while someone commented on Instagram, asking if I am sure about the figure.

This is exactly the mindset that is killing some people in Nigeria. They think they need all the money in the world to start a business. Most of you who read this blog know where African Naturalistas started from, the days of paper stickers and Gbadebo market plastics. We started from NOTHING. I don’t know if people don’t believe in starting small again. They just see businesses that look good on the outside, but they don’t know the beginning story. I don’t even understand why I would go to the pages of newspaper, and lie… as if starting with such a small money would fetch me one medal or something. I think many people just don’t want to accept that they can do so much with very little. I have several businesses I do, and I have not used start up capital for any of them.

The way the world is going now, the creative industry is debunking the whole 'capital' mentality. Don't get me wrong, you might need some investment to expand your business after it gets to a particular level, but not to start afresh.

Secondly, according to my lifestyle, I am very open, and very truthful. It is not because I am saint, but because I generally have no reason to lie about anything or cover up stuff, since I basically have nothing to cover up. I believe once you are not shady, and who you portray yourself to be on the outside is who you really are one the inside, there would be no need for lies.

To everyone who has supported any of my ventures, thank you. Please read the interview here, if you haven’t read it.

HoneyDame, thank you for coming through for me yesterday. You saved my day from getting scattered.

How to fight dirty in the Information Age

Have you ever been cheated in a business transaction, by a business colleague? Has any business ever taken you for granted, and basically called your bluff because they felt you were a dog with a mere bark, and no bite? Do you have a strong social media presence, then let me teach you how to fight.
How do you like my pitch? Oya, straight down to business.

I am not ordinarily one for public shaming, especially since I know it is not cool to be a victim. However, I have now come to realise that sometimes, we must engage in public shaming, not because of any desire to humiliate or disgrace, but because sometimes, we must protect ourselves, warn other people, and send a message to people that they cannot just to things to others and think they would get away with it because their hands are tied. Now, I understand what Okechukwu Ofili must have felt when he called out Silverbird bookshop and other major bookshops in Nigeria who had been ripping off self-published authors because they had no one to stand up for them.

I started engaging a certain man, who we will call Mr C, when my herbs supplier in India introduced him to me as the man who could ship my herbs from India. She had gotten his contact online, through his website – another reason I think this medium is most appropriate since there are others like me who might make the mistake of trusting in his credibility after meeting him online.

After some calculations, and consulting with his colleagues in India, it was agreed that I would have to pay something close to 300 dollars to ship and clear my herbs. My supplier shipped the herbs to his Indian colleague. He asked me to pay 200 dollars, which I did in a matter of hours.

I was really eager to collect my herbs last year October, as I knew I would be travelling soon. He kept promising me my products. Let’s just say that between then and now, I have travelled to 5 different countries, yet he never brought my products to me.

It started with the story of the fact that some airlines were rejecting the herbs because powders required more scrutiny in Nigeria, which I completely understood, though my frustration knew no bounds.

Then the lies started. “The powders have been shipped. No, they were not shipped, NAHCO strike is affecting it. The warehouse has been locked for days. Christmas problems. New Year problems. Election problems.”

Through it all, I stayed calm. Mostly because I had no choice. The goods were with them, and my money was with them.

Some weeks after election, I got frustrated, and decided to call his Indian colleague. I found out this colleague was in Nigeria, and had been here for quite a while. He had dumped my package with another colleague of his there. That one had hustled to ship the herbs, and it had been here – since January!!!

I couldn’t believe my ears. This was a transaction I started since last year September, that was supposed to take few days. And this was now April.

To cut the long story short, the Indian counterparts asked Mr C to bring 510 dollars to clear the products. Mr C seemed to be fuming because we felt that was just too outrageous to clear products worth about N40,000.00. He said he would keep pricing it, and by this time I was getting impatient.

Anyway, two days later, Mr C said he doesn’t want to use his own personal issues to disturb me, that I should go and clear the herbs myself. He said he would return my 200 dollars. This was in April. I asked which personal issues. He said “I told you my father died. We are doing the funeral in the village.”

It was at this point my countenance towards him changed. He had told me about three weeks earlier that his mother died, and he went to bury her. Now, he was lying that it was his father.

Let’s just say between then and now, it has been a deluge of lies, avoidance, and more lies. He later begged to return N40,000.00 instead of 200 dollars, to which I agreed. The most painful part was that if Mr C didn’t pay the money, how would I take 510 dollars to clear those herbs? It would amount to me using 710 dollars to clear the herbs, and my loss would be massive.

After waiting and waiting and waiting, with more tons of promises, lies, and lies, and lies, I finally decided to clear the herbs myself, without informing Mr C. I did this because I didn’t know the reputation of the agent they had given my herbs to, if they would just dump them somewhere once they don’t see me. And most importantly, the herbs had been there since January. I had bought them since last year September, and they had expiry dates. I couldn’t let Mr C’s fraudulent character kill my own business demands.

On the day I cleared the herbs, Mr C paid me N10,000. Maybe in his mind, he felt he has paid me my money because since then, he has gone from lies and pleas to even raking for me. He just keeps saying “I will pay this week. I will pay next week.” I think because he believes it might not be a lot of money, I will get tired and leave it for him. But the truth is that it means, the loss I am already incurring would even be more.

And he was right in his thought. I got tired. This whole affair had gone on for too long – almost a year! Trust me, what I wrote here is a serious understatement of the real story. The full story will just be too long.

So what did I do? I decided to call Mr C out online, since the internet it where he gets his customers. So I wrote a full blog post like the one you read above, but I included his name, company, website, picture, etc.

I ended with this… “Don’t ever patronise Mr C. He is a liar, cheat, and a fraud! He takes advantage of the fact that people have no way of lashing and fighting back. Many times, he likes to play smart, but he is not that smart. Everyone who imports should stay far away from this man. I have decided to add his picture, in case his current company runs down, and he decides to set up another company.”

And then I sent the blog post to his email, telling him that the only reason he tried this nonsense with me is because he doesn’t know me and my reputation on social media. I told him he had till Monday morning 11.00 am to pay me my money, or the blog post would automatically appear. I would never take it down, unless the money was paid. Anyone who searches for his company would see the blog post. I then scheduled the post to appear at the promised time.

Of course, he knew I wasn’t kidding because I had already done the blog post. If I had gone to that length, then I couldn’t be bluffing.

As usual, he started agitating, and making promises. I didn’t even say anything, and never called him or made a request. Let’s just say that two days later, I received my money.

And that, my friends, is how to fight a battle in this age, without lifting a finger.

Drawing the line between Faith and Reality

I went to a gift and interior décor shop to get a table last week. The owner and I eventually got talking about business challenges and cash flow issues, especially for capital intensive businesses like interior décor stores.

Without any exaggeration, the worth of the items in her store couldn’t be less than 5 million naira because we all know how expensive a single glass decoration or table can be.

In the course of discussion, I realised how hardworking and dedicated this woman was, and I knew she was into a very risky venture. I asked myself “what if she loses all these?”

So I said to her “I hope this place is insured sha,” expecting to hear the usual “yes of course. Why won’t it be?”

The way she hesitated and looked at me confirmed my worst fear when she said “Not really. You know, there is SPIRITUAL INSURANCE!”

Someone please slap me now.

Here is this gigantic interior décor store that takes the expanse of a whole flat with massive investment, plus another warehouse of another flat where we went to carry the items I bought, completely uninsured. And she says spiritual insurance.

I didn’t enter the warehouse to carry my items because someone did that for me, but I knew for a fact that it was even worth more than the store I was standing in. So this is a minimum of 10 million we are talking about. I am absolutely sure it is more than that because she has so many items, much more than you can imagine.

I asked her how much insurance would cost her annually, and she said N200,000 (two hundred thousand naira). I spent a quarter of that in her shop, and I know that she makes far more than that in a day. I said “excuse me ma, go and do insurance please.” I said I don’t want an incident that would be causing her to say “had I known.” I said “I think you should transfer that risk now, as soon as possible. This is to big for it not to be insured. Just too big. I am not an insurance agent, and I am not gaining anything from this so just take it as an important piece of advice which you must implement on immediately.”

After mentioning some cash flow issues, she said she would do the insurance. To be honest, I don’t know if she would do it. Even if she does it, she didn’t sound like someone who would do it soon, as she doesn’t see the urgency in it.

I didn’t want to outrightly tell her that “what if your store burns down” so that she wouldn’t say I wish her evil. I could see that her pastor and church sticker was on her entrance door so I was sceptical to talk anyhow to people who use spiritual insurance.

Source
Now, don’t get me wrong. I am a Christian. Anyone who reads this blog knows that. I pray every day, read my bible every day, etc. Many times, I am engaged in church activities from Friday night to Sunday afternoon. So I don’t think I am really qualified to be called a sceptic or an atheist, though some people would rather label me that because I dare to speak against how some churches are bad neighbours by disturbing people with their loudspeakers at night, in the name of night vigil and stopping people from entering their houses by blocking their gates in residential areas - as if that is what Jesus died for. Anyway, that is another topic on its own because I am sure you can tell how pained I am by this menace.

So my question is this. Do people shun insurance cover because they are Christians? In simple words, should we or should we not insure heavily invested businesses because we have prayed, and covered our businesses with the ‘blood of Jesus’?  When fire outbreaks, flood, natural disasters or robberies occur, is it that the blood of Jesus or spiritual insurance is not at work in that business? Does using insurance cover for your business display a lack of faith?

I know comments here can get controversial because we live in a highly religious society, but let us carefully examine this matter, respecting those who have chosen to solely stick with spiritual insurance and those who have decided to walk by sight by paying the insurance companies.