Opinion
Opinion: As Nigerians Head to the Polls
Published
7 years agoon
By
Eric
By Nkannebe Raymond
Once again, Nigeria is at a critical juncture in her democratic history while the rest of the world looks on with bated breath to see whether Africa’s largest democracy will sink or swim. As millions of Nigerians troop out to go and vote on Saturday, February 16th, it would be the sixth time they’ll be doing that in succession since democracy returned to the country in 1999. As with every general election, Nigerians will be voting in a new president as it’s constitution allows for only a four-year renewable tenure. The last time Nigerians went to the polls in 2015, they ended up with a new president, in the person of Muhammadu Buhari. He defeated his closest rival, the then incumbent president Goodluck Jonathan in a historical election that saw the first transition of power from an incumbent President to an opposition candidate. It was a golden moment for Nigerian democracy for too many reasons. Here and now again, the incumbent president is also on the ballot seeking re-election for what he says will allow him “consolidate on some of the achievements of his administration”. In clearly unmistakable terms, the president and his political party say a re-election for them will fossilize in their taking Nigeria to the “Next Level”.
Whereas numerous other candidates have indicated interest in the nation’s top political office namely Kingsley Moghalu of the Young Progressive Party (YPP); Fela Durotoye of the Alliance for New Nigeria (ANN); and Omoyele Sowore of the African Action Congress (AAC) to keep the list short, political realists are of the view that Saturday’s presidential contest is a two-horse race between incumbent president Muhammadu Buhari of the All Progressives Congress (APC) and Alhaji Atiku Abubakar─ the Waziri of Adamawa, of the Peoples Democratic Party (PDP). Strikingly, both men share a lot in common: they belong to the old political class; they are septuagenarians and are also moslems of the Fulani stock. For a country with one of the largest youth population in the world, estimated at a staggering 60%, it rather leaves a sad taste in the mouth that the two leading contenders for her topmost political office are way above the average life expectancy of 52 years, and in a sense closer to their graves. “That is the contradiction of Nigeria, nay African politics”, a politically exposed friend tells me.
While a deluge of younger candidates averaging 40 years of age have also squared up to occupy the seat of the president, their campaigns have gained little or no traction among Nigerians in the corners of the country who constitute the highest voting bloc. Beyond their effective use of the social media to push their message, their campaigns have been less terrestrial. It appears these younger generation of Nigerian leaders will need a little more than a local legislation that pegs down the constitutional age to seek various elective office, to unseat the old leadership class. Jude Feranmi, a rising youth leader, tells me it will take a robust coalition of ‘mushroom’ political parties over time, to upset the current political apple cart in the country. But he’s pessimistic they’ll be able to do this.
For the candidate of the PDP Alhaji Atiku Abubakar, this is arguably his last opportunity to lead the country; a lifelong ambition which first came to national consciousness in 1992. At 72, it is inconceivable that he’ll be indicating any further interest in the sinecure by the next election cycle in 2023 when he’d have been 76, should he lose out on Saturday. With several attempts that came to nought in 2006; 2011 and 2015, he has never been in a good position to achieve this life long ambition as he is now, from what one can gather from the permutations here and there. He says he wants to get Nigeria Working Again. And will do that with the aid of a policy document he calls the “Atiku Plan”.
As a successful businessman and industrialist, the economy means a lot to him. He believes that with a performing economy, Nigerians can well again be on the path of prosperity. He wants to create jobs, and have cited the successes in his numerous business as the smoking gun of his capacity to do so for Nigeria’s teeming youth population as well as lift as many persons as possible out of poverty; of which Nigeria has since become it’s global capital as far as the findings of the Brooks Institution can be relied upon. But more importantly, he wants to restructure the country.
His campaigns have gained a lot of momentum with the outing in Kano, a perceived stronghold of candidate Muhammadu Buhari, last Sunday, sending shockwaves into the opposition camps. He’s however dogged by allegations of corruption around his person. His critics believe the source of his stupendous wealth are suspect and cannot be unconnected to appropriation of national assets in his capacity as the head of the National Economic Council while he served as vice president to former president Olusegun Obasanjo between 1999 and 2007. However, for all the allegations, no court of law has found him guilty neither has he been charged for any corrupt practices.
On the other side of the coin is incumbent president Muhammadu Buhari. In the period leading to the 2015 elections, he and his new party at the time had campaigned on a mantra of “Change”. It was a magical word that resonated with many Nigerians and which ended up in a victory for the party. Three and a half years down the line however, the fine details of the change has remained elusive to most Nigerians. Change was supposed to be felt in the fight against Corruption, a total turn around of the economy and improved national security. But his government has not quite delivered optimally on any of these fronts.
The much vaunted fight against Corruption has been dubbed by critics as one sided and without any coherence. Many believe the government deploys media trials and propaganda to push it’s avowed fight against corruption hence why it has not achieved any meaningful gain in that respect. It will appear that Nigeria’s performance in the recently released Global Corruption Perception Index corroborates these sentiments of the critics of the administration. While he has been able to guide the economy through recession, the economic numbers show that all is not well with the economy. With unemployment rate at its all time high as well as a ballooned debt profile rising to a whopping 22 Trillion Naira, the Nigerian economy it could be said is on autopilot. While the administration has tried to explain away these disturbing statistics and countering them with what they believe to be bold efforts at rejigging the Nigerian economy in a number of areas, the word on the street is that many Nigerians are not faring better than they did pre-2015.
The administration has also been caught flat footed in the security corridor. Shorn of the “technical defeat” of Boko Haram, little or nothing has been done to contain the war in the North East. Not long ago, a large number of school girls were ferried from their school in Dapchi, Borno State by the insurgents in a repeat of what happened in 2014 in Chibok. While most of the girls were released, one of the girls, Leah Sharibu remains in captivity. Late last year two relief workers of an international relief agency were beheaded by the splinter cell of the fundamentalists and in all, the administration has only issued statements reassuring decimation of the militants. Few days ago, the convoy of the Borno state governor, Kashim Shettima was attacked by the insurgents leading to the death of at least three persons.
Analysts are also of the view that quite apart from the fight against Boko Haram, the administration have also failed in the handling of security breaches elsewhere in the middle belt and North West where armed banditry has reached alarming proportions. Through and through, the security score card of the administration has been anything but impressive.
Outside the security front, critics of the administration believe that it has not been able to foster national unity and cohesion citing the administration’s somewhat strategic alienation of a section of the country in a skewed manner of political appointments that favour only the president’s kinsmen. The hierarchy of the legal community are of the view that this attitude of the president is far in excess of the Country’s Federal Character Principle sanctioned by the Constitution. Buhari counters this narrative however and says his appointment of persons to key governmental positions is informed by the appointee’s character and competence. A columnist of a leading newspaper tells me that no administration has polarized and divided the country along ethnic lines more than the Buhari administration.
A former military dictator, it has been difficult for the president to shed his military toga. His administration is characterised with a record of flouting court orders and disrespect for the rule of law. Last September, he told a conclave of lawyers in Abuja that the “rule of law must be subject to national security” and has blamed the rule of law for the slow pace of his anticorruption fight at different fora. Only recently, he sent the head of the judicial arm of government packing, through subterranean means against the grain of constitutionalism and rule of law.
His administration has however made some appreciable impact in improving the infrastructure deficit of the country and providing social welfare for the poorest of the poor through policies such as the School Feeding Programme, the N-power Scheme, the Growth Enterprise and Empowerment Programme (GEEP), and recently, the Trader-Money Scheme.
Critics however say these policies will achieve little or nothing in lifting people out of poverty, and have described the Trader-money scheme as a disguised way of voters’ inducement. These criticisms notwithstanding, the administration believes it is still popular and will win a landslide victory on Saturday.
Electoral violence and disruption of voting unfortunately has been a standard feature of Nigerian elections. The Electoral umpire, INEC has however reiterated that it will deliver a world class election this time. With about 84 million registered voters with the largest chunk of them in Lagos and Kano states, the commission says it is prepared to ensure a free, fair and transparent election in so far as other stakeholders in the process such as the political parties and the security agencies, play in accordance with the rules laid down by the law. Despite suffering some set backs in the last two weeks with fire outbreaks in three of its local offices in Abia, Anambra and Plateau states which destroyed election materials such as uncollected Permanent Voter Cards, the commission has remained unfazed and as at the time of this writing, already reprinted the burnt PVCs and inviting their owners to come get them. The chairman of the commission, Prof Mahmood Yakubu has never left anyone in doubt of the commission’s determination to midwife a rancour free election, and at a press conference last week in Abuja reiterated the commission’s resolve to be neutral and aloof throughout the process of the election and beyond. It remains however to be seen whether these words will be matched with actions.
Another sore feature of Nigerian elections is the extent of neutrality displayed by the security agencies at the various polling units. Nigeria is a unitary federal state where all federal government agencies including the security institutions have a tendency of subservience to the head of the federal arm who doubles as the Commander in Chief of the Armed Forces. Pundits believe that members of these security agencies have at various times been used by the ruling party to intimidate voters and supporters of opposition parties to enhance their chances at the ballot. At the recently held Ekiti and Osun gubernatorial elections, this ugly situation reared its ugly head. Both elections are today subjects of litigation at various courts.
Under the former Police Chief, Idris Kpotum; believed by many to be one of the most compromised officer to ever occupy the office, the conduct of the police, was anything but complimentary. However, there is a new sheriff in town, namely Mohammed Abubakar Adamu, who has told Nigerians that men and officers of the force will display the highest sense of professionalism and discharge their duties within the ambits set by the electoral law under his watch. Some 300,000 police men have been detailed to cover the exercise across the 119, 973 polling units comprised in the Country with support from the military, air force and other civil security outfit. There are concerns in some quaters however that this number is insufficient and might not be able to provide enough cover especially in the event of outbreak of violence. Already, flashpoint states such as Adamawa, Rivers, Akwa Ibom, Plateau, Kano, Kaduna and other parts of the North East have been isolated. These are states notorious for pre and post-election violence and thus would be needing more security cover to contain any outbreak of violence. One expects that the capacity of the security agencies won’t be stretched as they go into this important exercise.
Nigeria is an interesting country in many respects. 49 years after her civil war, she has always found a way to emerge from every political storm without bruises. In the lead up to the last 2015 polls, western interests had predicted that the country will engulf in a political crisis that might lead to its disintegration. Somehow, the country emerged from the elections even more united thanks to the statesmanship shown by the former president, Goodluck Jonathan. Nearly four years after that episode, she is once again at that critical juncture. Few days ago, a National Peace Committee headed by a former military Head of State and top cleric brought the two leading contenders as well as other presidential aspirants together to sign a peace accord where they made commitments to accept the result of the elections. In 2015, the committee played a very instrumental role in ensuring the presidential election was largely peaceful. Yet, whether this round of elections will derail or consolidate Nigeria’s gains on her democratic journey must bide the outcome of the polls.
For many Nigerians, what they want are the basic things of life: good drinking water; affordable healthcare and housing; good roads; improved security and a stable and productive economy. Saturday polls to a large extent will be a referendum on how the incumbent administration has performed in some, if not all of these critical indices.
Raymond Nkannebe is a Legal Practitioner
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Opinion
Give What, to Gain What? Reflections on the 2026 International Women’s Day Theme
Published
13 hours agoon
March 5, 2026By
Eric
By Oyinkansola Badejo-Okusanya
At first glance, the theme of this year’s International Women’s Day celebration sounded a little odd to me.
Last year’s theme, Accelerate Action, was clear enough. You read it and immediately understood it as a call to move faster, push harder, do more, close the gaps. It was energetic, direct and unambiguous.
But “Give To Gain”? Give what? To whom? And to gain what, precisely? How is giving a pathway to gender equity? In the legal profession, and in leadership generally, we are trained to think in terms of advantage. What do I gain? What do I secure? What do I protect? But the more I reflected, the more I realised that perhaps that reflection was the point. Because my reflection took me to some of the most defining moments in my professional journey, and they did not come from what I took. They came from what someone chose to give.
A colleague who gave me insights instead of indifference, a leader who gave me visibility in a room where my voice would have been overlooked, a mentor who gave me honest feedback when flattery or a comfortable silence would have been easier.
None of those acts diminished them. They did not lose relevance, influence, or authority. If anything, their giving expanded their impact. Sometimes, some of us act as though giving someone else room to rise somehow shrinks our own space. But leadership does not weaken when it is shared wisely. It deepens.
That is the quiet power behind “Give To Gain”, and the paradox at the heart of this year’s theme. “Give To Gain” is not a call to diminish ourselves. It is a call to invest in one another because when we give from strength, we gain strength. So give respect.
give access. Give honest evaluation. Give opportunity without prejudice. And you will gain trust, loyalty and potential. Give mentorship and gain contunuity, give equal footing and gain the full measure of talent available. That kind of giving multiplies gain.
So perhaps the theme is not so odd after all. In a world that often asks, “What do I stand to lose?” this year’s International Women’s Day asks instead, “What could we stand to gain, if we were all willing to give?”
In the context of gender equity, the theme becomes even more compelling. Giving equal footing is not about doing women a favour; it is about acknowledging merit. When barriers fall, capacity rises to the surface. When access expands, talent flourishes. When women thrive professionally, institutions gain.
Against this backdrop, I began to think about the remarkable women who embodied this principle long before it became a theme. Women who gave intellectual rigour to complex situations and gained distinction. Women who gave courage and resilience in the face of resistance or in rooms where they were the only one, and gained respect. Women who gave mentorship to younger women and gained a legacy that cannot be erased.
Women who gave integrity to public service and the private sector and gained trust and admiration that cannot be manufactured.
Women whose boldness did not ask for permission to contribute. They did not lower their standards to fit expectations.
They gave of their intellect, their discipline, their time and their resilience, and in doing so they expanded the space for others. That is the spirit I want to honour this IWD month.
Beginning tomorrow, on International Women’s Day and continuing through all the remaining days of March, I will be celebrating a female icon who exemplifies this principle. Women who have given and gained. Each day, one story. One journey.
One example of boldness in action. Not to romanticise their journeys or suggest that their paths were easy, but to illuminate them and show what is possible when you dare to try.
Each profile will tell a story of contribution and consequence, of how giving strengthens, and how excellence, when sustained with integrity, inevitably earns its place.
My hope is that other women will read these stories and recognise themselves in them. That men also will read them and see leadership, not limitation. And that we will all be reminded that progress is rarely accidental. It is built, often quietly, by those willing to give more than is required.
If this year’s theme “Give To Gain” means anything to me, it means that we must intentionally amplify the inspiring examples that prove what is possible when women are bold.
Because inspiration and visibility are forms of giving. And sometimes, the simple act of telling a story is the spark that lights ambition in someone who was unsure where or whether she belonged.
This March, I choose to give inspiration and visibility and honour where it is so richly deserved.
And I trust that in doing so, we will gain a stronger world, a clearer sense of direction and possibility and another generation of women bold enough to step forward without apology.
Now the theme no longer seems strange. Now I understand that when we give boldly, we gain collectively. And that is a theme worth celebrating.
Oyinkansola Badejo-Okusanya, SAN FCIArb
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Opinion
Beyond the Vision: The Alchemy of Turning Ideas into Execution
Published
5 days agoon
February 28, 2026By
Eric
By Tolulope A. Adegoke PhD
History is littered with the skeletons of great ideas that never saw the light of day. In boardrooms and basements across the world, concepts with the power to reshape industries lie dormant, suffocated not by a lack of merit, but by a lack of execution. We live in an era that venerates the “light bulb moment,” yet the painful truth, as articulated by venture capitalists and historians alike, is that ideas are a dime a dozen; it is execution that is richly rewarded . The journey from the spark of imagination to the tangible reality of a finished product, a profitable corporation, or a thriving nation is an alchemical process. It requires the transformation of abstract thought into concrete action—a discipline that separates the dreamer from the builder. This evolution of an idea into reality is not a mystical event but a replicable process, best understood through the distinct exemplars of visionary individuals, resilient corporations, and transformative nations.
The Individual: The “Thinker-Doer” Synthesis
The romantic notion of the genius lost in thought, sketching blueprints while others do the heavy lifting, is a seductive myth. The reality, as demonstrated by history’s most impactful figures, is that the major thinkers are almost always the doers. Steve Jobs, a figure synonymous with innovation, famously articulated this principle by invoking the ultimate Renaissance man, Leonardo da Vinci. Jobs argued that the greatest innovators are “both the thinker and doer in one person,” pointing out that da Vinci did not have a separate artisan mixing his paints or executing his canvases; he was the artist and the craftsman, immersing himself in the physicality of his work . For Jobs, this synthesis was the guiding doctrine of Apple. He understood that abstract ideation is sterile without the feedback loop of hands-on mastery. The refinement of the Mac’s typography, the feel of a perfectly weighted mouse, the intuitive interface of the iPhone—these were not born from pure theory but from an obsessive, tactile engagement with the building process. The “doer” digs into the hard intellectual problems precisely because they are engaged in the act of creation.
This principle is further illuminated by the career of Elon Musk. While often perceived as a master inventor, Musk’s greatest genius may lie in his ability to execute existing ideas at a scale and speed previously thought impossible. He was not a founder of Tesla on day one, but he stepped in to spearhead its execution, transforming an electric vehicle concept into a global automotive powerhouse. At SpaceX, he inherited the age-old idea of space travel but revolutionized its execution by challenging fundamental cost structures and vertically integrating manufacturing. Musk embodies the “thinker-doer” by immersing himself in the engineering details, sleeping on the factory floor, and distilling complex challenges down to their fundamental physics. Both Jobs and Musk validate the venture capital adage that investment is placed not in ideas, but in the people capable of navigating the treacherous path from Point B to Point Z—the messy, unglamorous grind where visions are either realized or abandoned.
“In the architecture of achievement, ideas are merely the blueprints; execution is the foundation, the steel, and the mortar. A blueprint without a builder is just a dream drawn on paper” – Tolulope A. Adegoke, PhD
The Corporation: Engineering the Culture of Execution
For corporations, the evolution of an idea into reality is not a one-time event but a cultural imperative. It demands a structure and a philosophy that bridges the notorious gap between strategy and outcome. Procter & Gamble (P&G), a consumer goods giant, provides a master-class in adapting its execution model to survive and thrive. Despite investing billions in internal research and development, P&G recognized that its traditional closed-door approach was failing to meet innovation targets. The company evolved its idea-generation process by embracing “Connect + Develop,” opening its innovation pipeline to external inventors, suppliers, and even competitors. This shift in mindset was merely the idea; the reality was the rigorous, internal execution that vetted, integrated, and scaled those external concepts—like the Mr. Clean Magic Eraser, which was discovered as a prototype in Japan and flawlessly executed by P&G’s operational machine. The company’s success hinges on what researchers call “imaginative integrity”—the ability to make an imagined future so tangible that the entire organization can build toward it.
Similarly, UPS stands as a testament to the power of “creative dissatisfaction.” For over a century, UPS has operated not on bursts of pure invention, but on the relentless engineering and re-engineering of its systems. Founder Jim Casey instilled a culture where the status quo was perpetually questioned—from testing monorail-based sort systems to optimizing delivery routes with algorithmic precision. The idea was not merely to deliver packages, but to create the pinnacle of logistical efficiency. The execution involved tens of thousands of employees “pulling together” to transform the organization repeatedly, embracing changes that ranged from entering the common carrier business in the 1950s to mastering e-commerce logistics in the 1990s. These companies succeed because they build what management experts call the “five bridges” to execution: the ability to manage change, a supportive structure, employee involvement, aligned leadership, and cross-company cooperation. At Costco, this is embodied by CEO James Sinegal, whose Spartan office and relentless focus on in-store details align leadership behavior with the company’s razor-thin margin strategy, proving that execution is modeled from the top down.
The Nation: The Political Economy of Progress
The evolution of ideas into reality scales beyond individuals and firms to the very level of nations. The economic trajectories of countries are determined by their ability to adapt foreign concepts and execute them within local contexts. The post-war rise of Japan is perhaps the most powerful example of this phenomenon. In the early 20th century, Japan was exposed to American ideas of scientific management, but the devastation of World War II left its industrial base in ruins. The idea that saved Japan was quality control, imported through lectures from American scholars W. Edwards Deming and Joseph Juran. The genius of Japan, however, was not in the adoption of the idea, but in its adaptation. Private organizations like the Union of Japanese Scientists and Engineers (JUSE) took the lead, transforming foreign theories into the uniquely Japanese practice of Total Quality Management (TQM) and the grassroots phenomenon of Quality Control circles. This was not government-mandated execution; it was a national movement of “thinker-doers” on the factory floor, relentlessly refining processes. The evolution of this idea rebuilt a nation, turning “Made in Japan” from a byword for cheap goods into a global standard for reliability.
In contrast, Singapore represents a different model of national execution: the state as a strategic architect. Upon independence, Singapore possessed few natural resources and a uncertain future. The government, however, possessed a clear-eyed vision of industrial development. It actively sought external assistance from the United Nations and Japan, but crucially, the Singaporean authorities acted as the “agent of adaptation” . They did not passively accept advice; they made decisive judgments about what was relevant to their unique circumstances and demanded specific adaptations. This disciplined, top-down execution of economic strategy—from building world-class infrastructure to enforcing rigorous education standards—evolved the idea of a “sovereign nation” into the reality of a first-world entrepôt. The contrast with nations like Tunisia, where external donors took the lead due to a lack of domestic policy clarity, highlights a fundamental truth: ideas flow freely across borders, but the ability to execute them is a domestic condition, cultivated through leadership and institutional will.
Conclusion: The Integrity of the Build
Ultimately, the evolution of an idea into reality demands what can be termed “imaginative integrity”—the unwavering commitment to binding the vision to the execution. It is a concept that applies equally to the Renaissance painter mixing his own pigments, the CEO sleeping on the factory floor, and the nation-state meticulously adapting foreign technology. The world is full of “crude ideas” that lack the refinement of execution; even a brilliantly designed structure like MIT’s Stata Center can falter if the craftsmanship of its realization is flawed.
The journey from “A to Z” is long, and the gap between strategy and outcome is the graveyard of potential. To traverse it, one must recognize that thinking and doing are not sequential acts but concurrent disciplines. The doers are the major thinkers, for they are the ones who test hypotheses against reality, who adapt to feedback, and who possess the grit to push through the inevitable obstacles. Whether it is a nation reshaping its economy, a corporation reinventing its logistics, or an individual defying the limits of technology, the lesson remains constant: the future belongs not just to those who can dream it, but to those who can build it.
Vision sees the path; execution walks it, blisters and all. The distance between a dream and a legacy is measured only by the courage to begin the work.
History does not remember the whisper of a thought, but the echo of its impact. To think is human, but to execute is to leave a mark on time.
Dr. Tolulope A. Adegoke, AMBP-UN is a globally recognized scholar-practitioner and thought leader at the nexus of security, governance, and strategic leadership. His mission is dedicated to advancing ethical governance, strategic human capital development, and resilient nation-building, and global peace. He can be reached via: tolulopeadegoke01@gmail.com, globalstageimpacts@gmail.com
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Opinion
How an Organist Can Live a More Fulfilling Life
Published
1 week agoon
February 23, 2026By
Eric
By Tunde Shosanya
It is essential for an Organist to live a fulfilling life, as organ playing has the capacity to profoundly and uniquely impact individuals. There is nothing inappropriate about an Organist building their own home, nor is it unlawful for an Organist to have a personal vehicle. As Organists, we must take control of our own futures; once again, while our certificates hold value, organ playing requires our expertise. We should not limit ourselves to what we think we can accomplish; rather, we should chase our dreams as far as our minds permit. Always keep in mind, if you have faith in yourself, you can achieve success.
There are numerous ways for Organists to live a more fulfilling and joyful life; here are several suggestions:
Focus on your passion. Set an example, and aim for daily improvement.
Be self-reliant and cultivate harmony with your vicar.
Speak less and commit to thinking and acting more.
Make choices that bring you happiness, and maintain discipline in your professional endeavors.
Help others and establish achievable goals for yourself.
Chase your dreams and persist without giving up.
“Playing as an Organist in a Church is a gratifying experience; while a good Organist possesses a certificate, it is the skills in organ playing that truly matter” -Shosanya 2020
Here are 10 essential practices for dedicated Organists…
1) Listen to and analyze organ scores.
2) Achieve proficiency in sight reading.
3) Explore the biographies of renowned Organists and Composers.
4) Attend live concerts.
5) Record your performances and be open to feedback.
6) Improve your time management skills.
7) Focus on overcoming your weaknesses.
8) Engage in discussions about music with fellow musicians.
9) Study the history of music and the various styles of organ playing from different Organists.
10) Take breaks when you feel fatigued. Your well-being is vital and takes precedence over organ playing.
In conclusion, as an Organist, if you aspire to live towards a more fulfilling life in service and during retirement, consider the following suggestions.
1) Plan for the future that remains unseen by investing wisely.
2) Prioritize your health and well-being.
3) Aim to save a minimum of 20 percent of your monthly salary.
4) Maintain your documents in an organized manner for future reference.
5) Contribute to your pension account on a monthly basis.
6) Join a cooperative at your workplace.
7) Ensure your life while you are in service.
8) If feasible, purchase at least one plot of land.
9) Steer clear of accumulating debt as you approach retirement.
10) Foster connections among your peers.
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