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Opinion

Catalyst of Exploits (Pt. 1)

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By Tolulope A. Adegoke

“Look past the exterior, and see that there is so much more within. Then decide to unleash that potential to the fullest” – Lincoln Patz

I have no doubt that you have stepped into a greater realm of inspiration with the discovery of the potentials of the so-called zero. The next question therefore is, how can the possibilities embedded in a perceived nonentity become a reality? The answer, as you may have observed from the various examples that we considered in the previous chapter, is consciousness development. Or simply put, TRAINING.

Training has been rightly described as the process of acquiring the skills needed to succeed in a profession, vocation or venture. It is training or conscious development that turns trash into treasures, just as processing turns raw materials into finished products. Training is an indispensable requirement for bringing out the best in people. Even the most gifted people must go through some form of training to sharpen their innate abilities – how much more those who appear to be deficient!

The interesting truth here is that regardless of a person’s level of natural abilities – whether you consider it zero or zillion – training will always bring about a noticeable transformation in their lives. Take the case of Abraham as an example. Being an exceedingly great man, he had hundreds of servants who had been born in his house by his labourers and domestics. These might have been considered nobodies, having been born by lowly people. Yet, Abraham so trained them that they became valiant soldiers. And they were the ones who accompanied him to wage war against the captors of Lot and his household, and the expedition proved mightily successful (Genesis 14:14).

Two vital truths can be gleaned from the above. One is that you never can tell the true measure of a person’s potential until they have been thoroughly trained. This clearly tallies with our earlier assertion that everyone needs some form of training, whether formally or informally. The second vital truth is that everybody can indeed be trained to thrive.

From Vagabonds to Champions

Here is another proof that there is innate greatness in everyone that can be unlocked through training. 1 Samuel 22:1-3 says, “David therefore departed from there and escaped to the cave of Adullam. So when his brothers and all his father’s house heard it, they went down there to him. And everyone who was in distress, everyone who was in debt, and everyone who was discontented gathered to him. So he became captain over them. And there were about four hundred men with him.”

The first thing to notice here is the deliberate reference to the profile and pedigree of these men who joined themselves to David. I believe that the purpose is to make us see that no one can be rightly written off as a failure or a never-do-well. As subsequent exploits of David would reveal, these average men who enrolled in the military academy of David were soon transformed into mighty men of valour.  2 Samuel 23:8-17 narrates the accomplishments of three of these men:

“These are the names of the mighty men whom David had: Josheb-Basshebeth the Tachmonite, chief among the captains. He was called Adino the Eznite, because he had killed eight hundred men at one time. And after him was Eleazar the son of Dodo, the Ahohite, one of the three mighty men with David when they defied the Philistines who were gathered there for battle, and the men of Israel had retreated. He arose and attacked the Philistines until his hand was weary, and his hand stuck to the sword. The Lord brought about a great victory that day; and the people returned after him only to plunder. And after him was Shammah the son of Agee the Hararite. The Philistines had gathered together into a troop where there was a piece of ground full of lentils. So the people fled from the Philistines. But he stationed himself in the middle of the field, defended it, and killed the Philistines. So the Lord brought about a great victory.”

Isn’t this amazing! See what a bunch of men that people would have described as “frustrated failures” had become! What was the secret? Someone believed in them enough to train them, and they themselves were humble and disciplined enough to submit themselves to the training process. And the result was that they were transformed from being men of no repute, men of no value (more or less human trash, or simply zero) to history-makers!

Self-Application

So, what’s in all of this for you? What has all that we have discussed so far have to do with you? I’ll unravel it for you shortly. But, first, here is an insightful quote from Bishop David Oyedepo, “We go to school to acquire the literacy skills required to train ourselves most effectively in our fields of choice. Schooling is not the same thing as the real training! That is why there are many certificated, uneducated people! They have degrees but cannot deliver, because they are not trained to deliver!”

This is exactly what I wish to point out here. Everyone must take personal responsibility for being the best that they can be. Success is not an accidental occurrence. You cannot be wasting your precious time on irrelevances and expect to amount to much in life. You must wake up to the task of being positively responsible, deliberately reaching out and taking advantage of opportunities to enhance and deploy your skills.

As the example of the men who placed themselves under David’s tutelage shows, you are the one who must make up your mind not to settle for a worthless, defeated or frustrated life. Regardless of what people say or think of you, it is up to you to decide the direction you want your life to go!

As I earlier observed, training is not only meant for the ignorant or the inexperienced. It is an on-going activity that everyone must actively and constantly engage in, as long as we wish to stay afloat and be ahead. In other words, while schooling is periodic, training is for a lifetime!

The Place of Discipline and Diligence

Let’s face it: Training – whether formal or informal – is never an easy process. Even the Bible admits, “Now no chastening seems to be joyful for the present, but painful…” (Hebrews 12:11). It is in the fallen nature of man to prefer the comfort of self-indulgence to the stress of self-enhancement. This is why many visions are aborted and many destinies are ruined. It is for this reason that discipline plays a crucial role in being a beneficiary of the power of training. It takes plenty of discipline to maintain a training lifestyle so as to emerge a relevant and dominant force in your generation!

It is possible to waste a whole lifetime if you do not understand the place of discipline and responsibility in achieving greatness in life. So, you must settle it in your mind from the outset that you are undoubtedly a Kingdom treasure that cannot afford to be comfortable with a substandard, mediocre or “trashy” life. The possibilities that God has wired into you must be empowered to find expression. You must therefore be ready to pay whatever price it requires. Let me quote Bishop Oyedepo again, “You belong to dignity, royalty, excellence and you have your excellence in Jesus Christ. Therefore, you have the mind of Christ. You have the creative, intellectual capability of the mind of Christ. You are not an ordinary person; you are a peculiar person in the order of existence!”

Closely attached to discipline is diligence. The two must function together to produce the expected result of excellence. Diligence simply means hard work. Interestingly, “hard work” is a term that many in this generation hate to hear. I often hear youths talk about “soft-work” almost everywhere now. They want the easy route to success. Of course, they may get what seems like success but because such is not built on the solid foundation of diligence, it often crumbles within a short time.

Proverbs 22:29 says, “Seest thou a man diligent in his business? he shall stand before kings; he shall not stand before mean men.” Proverbs 12:24 (NKJV) adds that: “The hand of the diligent will rule, but the lazy man will be put to forced labour.” The revelation here is that it is diligence that establishes enthronement. There is no future for an idle man in the Kingdom. Christ Himself demonstrated this when He said: “My Father worketh hitherto, and I work” (John 5:17).

Make no mistake about it – it is work that defines your worth! In other words, it is how much you work on yourself that will determine your ultimate worth. Work is a must for anybody who desires to take the lead. Even with the abundant favour and grace of God upon your life, you still must work because that is the God-ordained pathway to the top. In fact, the grace of God being upon you to guarantee success in all your ventures should spur you to attempt greater ventures than the average person. Paul the Apostle shares his own experience thus: “But by the grace of God I am what I am: and his grace which was bestowed upon me was not in vain; but I laboured more abundantly than they all…” (1 Corinthians 15:10).

Every successful person (empowered zero) is a product of favour from the factory of labour. You can never take out of life more than what you have invested into it. Galatians 6:7 says it accurately, “Be not deceived…whatsoever a man soweth, that shall he also reap.” 2 Corinthians 9:6 explains it further, “He which soweth sparingly shall reap also sparingly; and he which soweth bountifully shall reap also bountifully.”

It is only hard workers who become great leaders (heroes)! There is nothing called “luck” in determining leadership or empowering a zero! The harder and smarter you work, the greater the level of your success. This is why someone ironically says, “I’m a great believer in luck and I found that the harder I work, the luckier I become.” So, dear friend, if you can concentrate more on empowering your zero, rather than wasting time lamenting, complaining, regretting, envying others, chatting on social media, listening to irrelevant talks or spending so much time watching the television, you will soon find your circumstances changing on their own. You will not even need to shake the Heavens before your blessings unfold!

Personal Experience

Permit me to use myself as a case study here. There was a time I sowed out my television in order to be on television. There was also a time that, for over a year, I did not subscribe to any cable channel, just to be able to meet up with the demand of delivering possibilities beyond the ordinary frequency. Here is Bishop Oyedepo again: “I have invested an average time of 16 hours a day from the time I stepped into ministry to date, no matter how odd the night may be, I still have my night to work. Seest thou a man diligent in his business, he shall stand before kings and not mere men…Our business that did not look like anything – it was trash when we came into ministry; it had no form of comeliness that anyone should look for it. It is what you invest or put into a trash that will bring forth its treasure! You need to show the world out there that you are on a mission (that is to take the lead in your field). But you cannot take the lead without doing the work to make it happen. So, go on and do the work!”

You can always change your level. It all depends on your level of investment. Just by re-aligning your mentality to believe that you do not belong to mediocrity brings you closer to excellence! Just by evaluating your activities and relationships and severing all unprofitable ties will give your life a sharper focus and clearer direction.

Note it again – hard workers fly higher! Nothing is a substitute for hard work. Be ready to go through the incubation process of becoming a hero. Subject yourself to the diligence and discipline that will transform you to a solution-provider to the people of your generation.

Sacrifice: The “Extra” in Extraordinary

Added to your discipline and diligence is the need for sacrifice, or going the extra mile. Essentially, it is not enough for you to be disciplined and diligent – you must also go the extra mile in doing these. Sacrifice is the scar (or scars) that we bear in the process of carrying our crosses towards getting our crowns.

There is no star without a scar! The scar of every star is sacrifice. It is nothing else! It is simply the ticket towards delivering possibilities. Sacrifice is going the extra mile, paying the extra price and taking the extra steps towards delivering your mandates! Your extraordinary inputs will precede your extraordinary impacts. You must go the extra mile in discipline and diligence – and then the star in you will emerge.

So powerful is sacrifice that it can turn a “dummy” into a genius. It can make a so-called misfit become a maestro. There have been cases of people who had great gifts and potentials but found themselves in fields that were different from what they were meant to do in life. Many of these have had to put themselves through the rigours of returning to their natural passions and getting trained to live out their dreams.

See, you cannot have your cake and eat it! You cannot make omelette without breaking eggs! Not even faith is a substitute for sacrifice. Vision is not a substitute for sacrifice! Sacrifice is a covenant requirement of every Kingdom star! Apostle Paul again says, “For to me to live is Christ, and to die is gain” (Philippians1:21). The apostle is simply saying, “I’d rather die than allow anyone despise my glory in Christ”. This is a classic portrayal of what sacrifice entailsBeing crucified with Jesus Christ is sacrifice!

Every star has a story of sacrifice to tell. It is a must for you to rouse yourself from slumber and invest your time in creating the future that you desire! Until you do what others do not do, you will still remain on the same spot as others! You must therefore wake up and tell yourself the bitter truth and design for yourself an enviable destiny. Never let a year end without preparing a schedule of accomplishments for the following year. This will show that you are really on a mission to deliver your world from its aches!

Jesus Christ, the most anointed Achiever, says in Luke12:49-50: “I am come to send fire on the earth…But I have a baptism to be baptized with; and how am I straitened till it be accomplished!” That was someone who had a clear picture of His mission and what it would take to accomplish it.  Anyone who desires to have a “global impact” must pay a “global price”. Yes, you cannot accomplish that glorious dream of yours without understanding its true worth and paying the necessary price!

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Opinion

Give What, to Gain What? Reflections on the 2026 International Women’s Day Theme

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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

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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.comglobalstageimpacts@gmail.com

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Opinion

How an Organist Can Live a More Fulfilling Life

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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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