Keep going! Your dreams are valid.

He was bullied as a boy because he couldn’t speak well.

On his second date with Nelia (his first wife), Joe didn’t have enough money to pay the bill at the restaurant. Neilia slipped him a $20 under the table.

He was drafted to serve in the military but failed the physical because he had asthma.

In 1988, Biden underwent surgery for a brain aneurysm. Three months later, he had surgery for a second brain aneurysm

Joe Biden

In 1988, Biden underwent surgery for a brain aneurysm. Three months later, he had surgery for a second brain aneurysm.

He lost his first wife and daughter to a car accident.

Following the death of his first wife and daughter, He had mental health struggles that took him to the brink of suicide.

Joe Biden is the president-elect of the United States.

To anyone struggling with anything, please remember, “tough times never last but tough people do.”

Keep going! Your dreams are valid.

Hit the RestartButton & Never Give UP

His father died at 5, at 16 he quit school and at 17 he had already lost four jobs. At 18 he got married.
Between 18 -22, he was a railroad conductor and failed.

He joined the army and washed out there , applied for law school he was rejected.
Then become an insurance sales man and failed again.

At age 19 he became a father.

Colonel  KFC

He then became a cook and dishwasher in a small cafe. At age 65 he retired.

On the 1st day of retirement he received a cheque from the Govt for $105. He felt that the Govt was saying that he couldn’t provide for himself.

He decided to commit suicide, and felt life wasn’t worth living anymore; he had failed so much.



He sat under a tree writing his will, but instead, he wrote what he would have accomplished with his life. He realized there was much more that he hadn’t done.

There was one thing he could do better than anyone he knew. And that was how to cook.So he borrowed $87 against his cheque and bought and fried up some chicken using his recipe, and went door to door selling to his neighbours in Kentucky.

Remember at age 65 he was ready to commit suicide.But at age 88 Colonel Sanders, founder of Kentucky Fried Chicken Empire was a billionaire.
It’s never too late to press the #Restartbutton

#nevergiveup #kfc #hardworkpaysoff #inspirations

WOMEN MONTH : We Paying Tribute to Mother Teresa of Somalia, Late Dr. Hawa Abdi

Dr Hawa Abdi Dhiblawe , 17 May 1947 – 5 August 2020) was a Somali human rights activist and physician. She was the founder and chairperson of the Dr. Hawa Abdi Foundation (DHAF), a non-profit organization


Abdi was born in Mogadishu, and lived in south-central Somalia. Her mother died when she was 12 years old. Abdi thereafter took on family chores, including raising her four sisters, as the eldest child in the family. Her father was an educated professional who was employed in the port of the capital city.


For her early schooling, Abdi attended local elementary, intermediate and secondary academies. In 1964, she received a scholarship from the Women’s Committee of the Soviet Union. Abdi subsequently studied medicine at a Kiev Medical Institute, graduating in 1971. The following year, she began law studies at Mogadishu’s newly opened Somali National University. She would practice medicine during the morning and work toward her law degree in her spare time, eventually earning it in 1979.



When Hawa Abdi was 11, her mother died due to childbirth complications, and because of the medical reason her mother lost her life, and owing to the fact that childbirth-related death was common (and still is) in sub-Saharan Africa for lack of maternity care, Hawa Abdi decided to become a doctor, especially a female gynecologist. And when the civil war broke out in Somalia in early 1990s, as many Somalis were getting displaced by the war, mainly in and around the capital, Mogadishu, more and more people, especially women and children, moved and took refuge in and around the compound of Dr. Hawa Abdi. She worked tirelessly to save lives and became a lifeline for tens of thousands of Somalis. She was not nly helping the needy civilians, but the wounded of the countless warring sides in and around Mogadishu and elsewhere ended up over the years in her clinic and hospital to be treated impartially. Hawa Abdi was a selfless figure who helped her fellow countrymen and countrywomen without discriminating them based on their clan, the main malice that has been destroying Somalia for decades, the biggest factor that plunged the country into an endless civil strife.


At times, Hawa Abdi confronted the Al-Qaeda affiliated Al Shabab to save people in her camp, even when they threatened her. At certain times, some of the people in her camp fled for their lives, but she stayed in her camp no matter how dangerous it was to be fearless. That is how brave she was.


Hawa Abdi not only took risks herself, but she supported her daughters to become doctors so that they can help the needy people in their homeland, Somalia. When you look at the alternative, which is for them to live a peaceful life elsewhere, they prefer to stay in their country and help their people. This can teach the Somali people that these beautiful souls sacrificed so much by saving their fellow Somali citizens.

Hawa Abdi was a role model for millions of Somali girls and women. She braved great adversaries in life. She overcame countless challenges and showed all Somalis, even men, that one person can have a great positive impact on her country and people. She showed her African sisters and brothers, with resolve, mountains can be moved because we live in an inner-connected world where one person, one village, and one city can have a certain influence on the entire world.


On the other hand, the world has become a global village, and I believe, compared to when Hawa Abdi started her venture decades ago, now we have more opportunities to do what Hawa Abdi did; the world is more connected than before, and information can be obtained faster and more efficiently. The power of the internet is amazing, and if one can have the access and ways to find and understand the right data, one can do wonderful things to change life for the better.



The news of Hawa Abdi’s death shook the Somali social media world. Many Somali social media users, including me, shared their sadness on the death of this giant woman. Rest in peace



Abdi was named Hiiraan Onlines Person of the Year in 2007. Glamour magazine later named her and her two daughters among its 2010 “Women of the Year”. Two years later, she was nominated for the Nobel Peace Prize. She also received the Women of Impact Award from the WITW Foundation, BET’s Social Humanitarian Award, and the John Jay Medal for Justice.


In 2014, Abdi received the Roosevelt Four Freedoms Award in Middelburg, the Netherlands. She was conferred the Pilosio Building Peace Award one year later.


Abdi was granted an honorary Doctorate of Science by the University of Pennsylvania in May 2016. On 25 May of the following year, Abdi received the honorary Doctor of Laws degree from Harvard University.

Source: Ghana The Black Star of Africa

black star of Ghana
This man right here, he was the President of Ghana between 2001 to 2009. Most of the social intervention programmes Ghanaians enjoy today were his initiative. He introduced:
#LEAP (Livelihood Empowerment Against Poverty) where cash is transferred directly to poor Ghanaians for their upkeep.
#NATIONAL HEALTH INSURANCE SCHEME where government provides financial access to quality health care for residents in Ghana.
#SCHOOL FEEDING PROGRAMME where government provides food to children at school to encourage enrollment.
#NATIONAL YOUTH EMPLOYMENT PROGRAMME which was intended to address Ghana’s youth unemployment.
#FREE MATERNITY CARE POLICY which allows all pregnant women to have free medical services throughout pregnancy, childbirth and 3 months postpartum.
#METRO MASS TRANSIT SYSTEM which provided reliable and affordable public transportation to Ghanaians.
#CAPITATION GRANT which provided school children with cash to cater for school expenses like cultural, sports and development fees.
#AFFORDABLE HOUSING PROJECTS which were intended to provide affordable housing schemes for all Ghanaians.
He has made his mark and history will be kind to him.



Background and rationale


Africa today faces many challenges, including globalisation and market liberalisation, food price crises, natural resource depletion, climate change, rapid urbanisation, changing production and consumption patterns, demographic changes, and so on. Many of these directly or indirectly lead to changing markets, and create both opportunities and risks for farmers, especially for smallholders, youth, and women. With a growing recognition of the important role of smallholder agriculture for economic growth and rural development in many countries, market-oriented agriculture appears more prominently on the agenda. Villagepreneurship is key in this regard.


Villagepreneurship refers to entrepreneurship in Afrcan communal villages in areas such as agriculture or tourism. Entrepreneurship is a concept that encompasses transforming an idea or vision into a “new business or new venture creation, or the expansion of an existing business, by an individual, a team of individuals, or an established business” (Reynolds et al. 1999, cited by Global Entrepreneurship Monitor). But entrepreneurship, as opposed to self-employment, is also defined by the spirit of the entrepreneurs. Entrepreneurs are usually creative, take opportunities and accept risks, and can quickly change business strategies to adapt to changing environments. They are often innovators (Kahan, 2012). While usually being innovative and creative, farmers often lack experiences, access to services, people, or markets, and skills to have realistic chances to succeed as entrepreneurs (Wongtschowski et al. 2013).


In addition, Villagepreneurs are influenced by external, systemic factors, such as economic and social barriers, policies, and regulations (Kahan 2012). While these constraints affect all farmers and especially all smallholders, women and youth are particularly affected.



Rural advisory services play a crucial role in supporting farmers to become successful Villagepreneurs. They provide important information and access to people, markets, and financial services and train the farmers in the required managerial and other functional skills. Rural advisory services can also influence policies and regulations to create an Villagepreneurs-friendly environment, reduce barriers, or change prevailing values in Africa societies.



In this post, learn about agricultural Villagepreneurship, or agripreneurship, and what it means for the future of Village in Africa


According to the United Nations, the number of people working in agriculture across sub-Saharan Africa has fallen by 5 percent since 2005, even while the total labour force rises region wide. Thousands of young people are leaving family village farms to work in the industry or service sectors, convinced that these are the kinds of jobs that will lead to greater prosperity on the continent. Other young professionals don’t see the same divide between growing crops and a growing career.


For me, Villagepreneurship, or what I call agribusiness, covers the entire value chain from the farm to the consumers’ plates.


If young professionals would apply their knowledge of business to Villagepreneurship and uncover opportunities to increase productivity, he believes they could make as good a living as anybody wearing a suit.




Money is hiding !

Money is hiding BUT you will only find money in these 3 places .



1. People. All businesses need people to make money. Doctors need people to make money and they call those people patients. Checkers and Woolworths needs people to make money and they call them customers. Mortuaries need dead people to make money. If you run away from people you are running away from your riches. If you say you are shy and can’t talk to people then it means poverty will be your best friend.


2. Solutions to people’s problems. Most people run away from problems because they don’t want to find solutions to their problems. That’s why we don’t last in things that we start because immediately when a problem comes we run away and say it’s not working. If only you can find solutions instead of complaining about your problems you will be a better person and you will become successful.

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3. Opportunities. Most people run away from opportunities because they don’t like such opportunities. You don’t have to like an opportunity if you can just find the benefits that come with the opportunity and focus on such benefits you will become successful. Most of the things that make people successful are not the things they love but it’s what they will get out of those things.


Now how are you making your own money? Don’t tell me about a job because you will be poor for the rest of your life as long as you are loyal to your job. The richest people in the world look for and build networks while everyone else looks for a job. Where do you belong?


2020-2030, the next 10 years, may God give you grace upon Grace!!!

Bishop Apostle Pride Sibiya



Few days more and we will be done with 2019. Then it will be the start of another decade of your life.

Between 2020 and 2030 great things can take place in your life. 10 years is long enough to:


1. Start a degree course, finish it and do a masters degree on top of the first degree.


2. You can start a relationship, get married and have 2 or 3 children.


3. You can buy a piece of land and build a house.


4. You can write a book and sell at least 10,000 copies!


5. You can start a business and see it established and become profitable.


6. You can plan for early retirement and willingly quit the job you don’t enjoy any more.


7. You can start saving and investing with as little as R500 and within ten years have an investment portfolio in millions…


8. You can start buying cattle.. 1 by 1 in ten years time you my start a butchery.


9. You can start a farming project now, Example
-Mushroom Farming
-Fish farming
– Poultry project
– Vegetable garden
– Detergents
-Goat project.
( Remember poverty is a choice)


You are and you will be always what you THINK.


Look, there is more you can do in a decade. Sadly, many of us do very little. If you look back and review your past decade (2010 – 2020) you might agree with me that you wasted your life. You surely could have done far much better than what you have settled for.



You must resolve and decide that the next decade of your life will be different, better, and more successful.

This resolution should lead you to do things differently and also do different things.


You might start with a resolve to strategize and plan for the next decade of your life IN ADVANCE!!!


Come up with a clear vision of the kind of future you desire to see unfold in the next 10 years of your life. Come up with a list of 100 things you desire to do in the next decade. It could be big things as completing a degree course to small things like getting a passport or drivers license. You might want to visit at least five countries or raise goats in your village.


Let us start there: What 100 things would you like to do/have or accomplish in the next 10 years of your life?


I  wish you well and good success in the next 10 years of your life 2020 to 2030 you shall be great in Jesus name.!!!


How to start a stokvel

How to start a stokvel

Just as some people exercise more when they have an exercise buddy, others find it easier to save when they do it in a group. For the undisciplined spender who is constantly cashing in their savings, a Stokvel, or group savings club, could be the answer. But stokvels are worth taking note of for another reason. Did you know that money saved in a stokvel often benefits from better interest rates and lower fees than you would pay if you put your money in a bank savings account? Sound good? This is what you need to know if you want to start a stokvel.

Types of stokvels

Usually a stokvel is started for a specific reason. The members of the stokvel may share a common goal for saving such as December groceries or a wedding. For example, a group of young ladies may get together and save in a stokvel for the purpose of funding their bridal parties.

Current estimates from the National Stokvel Association of South Africa are that the South African stokvel economy is worth R49 billion and that there are over 800 000 stokvel groups.

Quick disadvantages of stokvels

There is a downside to everything… so be aware of these dangers and figure out how you can minimise the risk of them happening to you.

• A fellow member may go AWOL after they’ve received their money.

• In most cases there’s no interest on contributions.

• Payments could be insufficient to meet your needs.

Quick advantages of stokvels

But there are lots of upsides too… think about the following:

• Saving through a stokvel gets you into the healthy habit of regular saving.

• You can finally buy something or settle a debt you’ve been battling to save for.

• You can loan out the money and receive competitive interest.

Members and savings

There is usually a minimum of 12 members in a stokvel. However, you may choose to have a smaller number of members in your savings group. The average South African stokvel member contributes about R711 a month.


This is an important document that must be drawn up when you start a stokvel. Think of it as the group’s guidebook. The constitution should include guidelines on:

  • How often and in what manner money is to be collected each month.

  • How the money will be invested.

  • Under what circumstances withdrawals may be made.

  • What happens if a member fails to make contributions or decides to leave the stokvel.

  • What happens if a member dies.

  • The process if a new member decides to join the club at a later date after inception.

The constitution is particularly important as it provides a reference point and can pre-empt disagreements within the group before they occur.

The bank account

You should have two to three authorised signatories on the bank account and this should be set up so that none of the authorised signatories can make withdrawals without the signature of the others. The stokvel should be audited regularly by an independent auditor and the auditing records should be freely available to all members.

First National Bank provides a Stokvel Account that is aimed specifically at people saving as a group, with no monthly fee.

Absa’s Club Account requires a minimum deposit of R50 to open the account, and zero transaction fees, and the savings are available on a 32-day notice period. The interest rate is tiered, so that the more money saved, the higher the interest you earn.

Nedbank’s Club Account requires a R100 opening deposit, offers zero account maintenance or transaction fees, and unlimited withdrawals

Standard Bank’s Society Scheme savings account requires a R100 opening deposit, provides anytime access to funds, and offers cash prizes in regular draws as long as the account balance stays above R5 000. There is also no account fee if the balance is kept above R5 000.

 Final word

When you start a stokvel, make sure that you follow these simple steps: 

Choose the right members – Choose people you can trust  who share common values and savings goals. Dishonest people tend to disappear after they’ve got their money, and fail to contribute to others. Choose people who can stick to the rules!

Choose a goal for the stokvel – Some stokvels contribute money so they can buy groceries and others for home appliances; some pay someone in cash monthly, while others simply invest the money in a joint stokvel account. Decide what your goal is at the outset and stick to it.

Decide how the pay-out will be made – Will the money get deposited or given in cash form? These conversations need to happen before time. Most groups will opt to deposit the money due to safety reasons.

Have a clear set of rules – Everyone should know the rules and stick to them. Rules can include penalty fees for late contributions. Decide who keeps bank slips and what happens when a person can’t continue with the stokvel. There might be a need to have a formal contract based on your relationship and how big the group is.

Save with purpose – You need to know why you’re personally joining a stokvel. Will you pay off a debt or invest for your children’s education? If you have a clear goal in mind, you will be more likely to reach it.

 Good luck and start saving today!

Author: Spencer Kahari | Co-Founder | Chairperson | School of Empowerment: AFRICA           


Licence: All Rights Reserved @2019

Pastoral Note On Xenophobic Attacks In Africa (Bishop Pride Sibiya)

Pastoral Note On Xenophobic Attacks In Africa (Bishop Pride Sibiya)


One of the greatest African human concepts and ideologies to be exported to the rest of the world can never be better enunciated than by the Zulu of KwaZulu Natal, South Africa.

The concept of Ubuntu (humanity, hunhu) is clearly manifest through statements like, “Umuntu ngumuntu ngabantu!”(A person is a person because of other people). The concept shows us that we are because of our neighbours.


Ladies and gentleman, by respecting the sanctity of the life of others, we are respecting our own lives and our future. Indeed no African should be seen as a foreigner in their own continent. Why should we subscribe to the Berlin Conference of 1885?

Was that an African conference hosted by Africans? Africa was partitioned by “foreigners” whom we are glad to live with as brothers whilst decapitating our own calling them “foreigners.” Brothers and sisters this is not right.



The Old Testament prophet Obadiah comes to mind. He was raised by God to speak to a situation where brothers were mistreating others.  Obadiah 10 spells disaster for those that fight their brothers: “For your violence against your brother Jacob, shame shall cover you and you shall be cut off forever.” Violence never solves a thing. As brother fights brother to death, the real foreigner is waiting in anticipation to take over the land given to them by God.


Now we are also seeing scenes of backlash from other Africans. Ladies and gentlemen, instead of revenge let us inculcate the culture of love. No Shona, Chewa, Tswana, Igbo, Yoruba, Ndebele or Zulu must die on account of one of us. We are one family: “But if you bite and devour one another, take heed that you be not consumed one of another.” (Galatians 5:15).


As I close, let me say this. One of my greatest times in primary schooling, was when we sand in the choir denouncing apartheid, “free Azania,” “not yet Uhuru!’ free South Africa and so on. 1994 was not just South Africa’s independence. It was Africa’s independence. Arise, Africa!


Let us love one another and unite!



Bishop Pride Sibiya