THE PRIMACY OF DEFENSES.PART 2

mere defenses until they are invested with facts and convincing figures,the systemic blunders of its strategic cluelessness with which they re inculcated in the addlepated behavioural nerds,seasonal ignorant folks,timely depressed,bedevilled homosapiens,there can be no much transformation whatsoever.We warm up periodically with our defenses of the assumable probity of prejudice free conscience.No one justifies nipping in the bud puzzling riddles,without fair presentation of concrete evidence,to nail prejudice to grave and maintain much persevered carcass of human intergrity. You cannever tell what a condition would look like even in the foreseable aeon of spectral time,otherwise to play God,man must turn to the artifial deity what a mordern man or a civilised brute calls science,the heritage of human civilisation and its harbinger measure up to every strategic demand that the cardinal task of human survival must not bargain away the context of intergrity into the obscurity of history.We assume openness of a

THE PRIMACY OF DEFENSES.PART 1

The primacy of human defenses automated by moral covers is known as intergrity forest and we examine the exuberant custom through which it should be actualised,enhanced,maintained and preserved.The blogger unveils the broadminded concept to unleash intergrity forest. The overbearing nature of the human organisation cardinally utters the utmost significance of the human esteem in general.When it exudes the forklift of pristine administration,the appreciable quality of the inherent esteem redefines value system much vaunted to attain,sanctify and maintain the standard context of human intergrity.We set those optimal values much maligned by the laity to maintain the majestic talisman of this intergrity forest.We are as porous as the intergrity cover,we exude,as it maybe in the wanton benighted orgy,to satisfy the paradign shift in the quality of human expression oriented to defend the passionate drive for the becoming of goals and objectives of its action.Defenses are simply what they are

GOLDEN THOUGHTS ON EMPIRICAL FIELDS.PART 13A

There is a momentum you get when history reaches the empyreal height.It is marked by the rise and fall of history a spill over effect of the prior rise and fall of great culture.Development demand declines causal supply to catapult the fall of great culture and great history.Then after an interregnum,something bolder or dreary takes over the stage,rumminating the dusk of culture age and the formation of new ecosystem of cultureage to kickstart a new dawn.The moral burden of empiricism underpins the strategic thrust for institutional growth and sustainability of development demand affording no need to improvise causal supply in the abrasion of visionary defences.The economics of development demand optimises value chain influences of visionary defences.The golden strategyfor development of causalvalue supply is informed by the need andvelocity of time.Time investment in thisnew ecosystem howeverrequires ubiquitousembrace of thesevisionary defensestocoagulate andaccelerate momentum forsustainable development

THE PRIMACY OF DEFENSES.PART 9

We share the best of moral defenses depending on the ability of the human expertise,technology or ideology,vision,natural grace,timing,location and the quality of information at the disposal of the artists or action players involved.These visionary components architect moral defenses by adventurers,the standard warchest of succesful expedition Empiricists are made subject to this investment of solid defenses and quality of returns they get could not be detached from the primacy of defenses,that thrive with the allied causal investment.The dual component of human character begins by recognising the damaging component of offences peradventure supplanted bynaturalor agregate human offences to dovetail into social debt outstandings,on the tainting liability harmohaging.The critical historical impairment of prior generation of causes and causal investment snowball the liability side of social debt and these outstandings,human offenses galore,must be paid amortised only when egalitarian reformers institute defenses

THE PRIMACY OF DEFENSES.PART 8

We share the best of moral defenses depending on the ability of the human expertise,technology or ideology,vision,natural grace,timing,location and the quality of information at the disposal of the artists or action players involved.These visionary components architect moral defenses by adventurers,the standard warchest of succesful expedition Empiricists are made subject to this investment of solid defenses and quality of returns they get could not be detached from the primacy of defenses,that thrive with the allied causal investment.The dual component of human character begins by recognising the damaging component of offences peradventure supplanted bynaturalor agregate human offences to dovetail into social debt outstandings,on the tainting liability harmohaging.The critical historical impairment of prior generation of causes and causal investment snowball the liability side of social debt and these outstandings,human offenses galore,must be paid amortised only when egalitarian reformers institute defenses

THE PRIMACY OF DEFENSES.PART 7

We share the best of moral defenses depending on the ability of the human expertise,technology or ideology,vision,natural grace,timing,location and the quality of information at the disposal of the artists or action players involved.These visionary components architect moral defenses by adventurers,the standard warchest of succesful expedition Empiricists are made subject to this investment of solid defenses and quality of returns they get could not be detached from the primacy of defenses,that thrive with the allied causal investment.The dual component of human character begins by recognising the damaging component of offences peradventure supplanted bynaturalor agregate human offences to dovetail into social debt outstandings,on the tainting liability harmohaging.The critical historical impairment of prior generation of causes and causal investment snowball the liability side of social debt and these outstandings,human offenses galore,must be paid amortised only when egalitarian reformers institute defenses

THE PRIMACY OF DEFENSES.PART 6

of the previous generation of empiricists whodie with them a vastchunk of potential defenses with littleor no reference literature to tap behind assuage this miasma of historical depletion.Nevertheless,remainders of empiricists that might remain do not have physical energy to execute defenses with which the mission at hand should be confronted but shall have to rely on youthful strength of the utilitarianists albeit their contempt to sometimes lampoon the empiricism of the old as outdated.Whereas it makes a mockery of history and the rich method and quality of human learning to calumniate or ridicule tradition instead in the absence of superior method of learning.When old defenses are ridiculed,the new generation of social debt incurred skyrockets technology chaos and social chaos respectively.Moreover,in the befitting atmosphere endowed with avalanche of literature on the subject,ridicule pour on available history branded as outdated memoirs also leads to growth of social chaos.We share the best of moral

THE PRIMACY OF DEFENSES.PART 3

Primarily wisdom is the principal defence of human organisation and ways and means of administering them for the rewards of the human institution and survival.With it mankind secures expertise and technology,pedigree the very identity of the expertiseand subsequently,the human position,location,environment and the timing and formation of causes and the strategic effect or impact,it generates on the primacy of the knowledge invested.The institution of the causes and the effect,the social and economic interaction between them and when the outcome is harvested by the effect of the outlays,including the defect or likely dislocation,the turnovers as the effect provides for the beginning of a new dawn when the market for causes is repositioned.The growth of the market is better ploughed or reploughed in the primacy of the new defenses.Defenses are fruits of wisdom organically the experiences of previous dawn when facts are harvested to create defenses for the round ofnew information or knowledge investment.Mankind

THE PRIMACY OF DEFENSES.PART 5

however on the empirical field being the last field of knowledge are the true defender of human intergrity and intergrity cover.The inflation of knowledge rises with the strategic demand for it and the quantity of use is not detached from the accumulated value of liability and necessity that ordains the social forces of causal institution.Economically the causal formation draws from market rational forces not the operating leverage of the bland market where it is traded to form the sanctity of experiences and successive experience design to create a new generation of effect from new causes.Defenses are made riding on the quality of defenses at hand and investment it procures refines the ministry of new causal generation.The grade of knowledge and the extant quality of defenses barely loiter unlike the causal host,knowledge vectors subject to die away by time left to the successiveage with fresh mental energy but action players on the utilitarian field operating the causal mission with the imported mode of the

THE PRIMACY OF DEFENSES.PART 4

Defenses are solid architectonic offenses armoury of possibilities with which the insurance of human survival is guarranteed.We cannot be compelled to disagree categorically speaking,that the best defence is to offend and the best offence is to defend.The hidden primacy of defenses much interred in its offences bellyaching their much versatile threats,requires competition of conditional threats to threaten strategic transformation.And the two strategic colours of human character both defence and offence take precedence,sometime over pristine ethos of household routines.The art of offence,its spectral of conditional threats mobilises strategic competition and resistance cummulatives on the victim tend to automate defenses for negotiable softlanding.It is not out of ignorance to concede that systems are architected to conform to the adroit uniformity of its purpose of existence a robotic set up of its impecable phenomenon of totalitarian systemic perfection within the bolt¬s of its forms,formats&processes.

THE PRIMACY OF DEFENSES.PART 2

mere defenses until they are invested with facts and convincing figures,the systemic blunders of its strategic cluelessness with which they re inculcated in the addlepated behavioural nerds,seasonal ignorant folks,timely depressed,bedevilled homosapiens,there can be no much transformation whatsoever.We warm up periodically with our defenses of the assumable probity of prejudice free conscience.No one justifies nipping in the bud puzzling riddles,without fair presentation of concrete evidence,to nail prejudice to grave and maintain much persevered carcass of human intergrity. You cannever tell what a condition would look like even in the foreseable aeon of spectral time,otherwise to play God,man must turn to the artifial deity what a mordern man or a civilised brute calls science,the heritage of human civilisation and its harbinger measure up to every strategic demand that the cardinal task of human survival must not bargain away the context of intergrity into the obscurity of history.We assume openness of a

THE PRIMACY OF DEFENSES.PART 1.

There is a momentum you get when history reaches the empyreal height.It is marked by the rise and fall of history a spill over effect of the prior rise and fall of great culture.Development demand declines causal supply to catapult the fall of great culture and great history.Then after an interregnum,something bolder or dreary takes over the stage,rumminating the dusk of culture age and the formation of new ecosystem of cultureage to kickstart a new dawn.The moral burden of empiricism underpins the strategic thrust for institutional growth and sustainability of development demand affording no need to improvise causal supply in the abrasion of visionary defences.The economics of development demand optimises value chain influences of visionary defences.The golden strategyfor development of causalvalue supply is informed by the need andvelocity of time.Time investment in thisnew ecosystem howeverrequires ubiquitousembrace of thesevisionary defensestocoagulate andaccelerate momentum forsustainable development

GOLDEN THOUGHTS ON EMPIRICAL FIELD.PART 13A

There is a momentum you get when history reaches the empyreal height.It is marked by the rise and fall of history a spill over effect of the prior rise and fall of great culture.Development demand declines causal supply to catapult the fall of great culture and great history.Then after an interregnum,something bolder or dreary takes over the stage,rumminating the dusk of culture age and the formation of new ecosystem of cultureage to kickstart a new dawn.The moral burden of empiricism underpins the strategic thrust for institutional growth and sustainability of development demand affording no need to improvise causal supply in the abrasion of visionary defences.The economics of development demand optimises value chain influences of visionary defences.The golden strategyfor development of causalvalue supply is informed by the need andvelocity of time.Time investment in thisnew ecosystem howeverrequires ubiquitousembrace of thesevisionary defensestocoagulate andaccelerate momentum forsustainable development

THE PRIMACY OF DEFENSES.PART 2

Primarily wisdom is the principal defence of human organisation and ways and means of administering them for the rewards of the human institution and survival.With it mankind secures expertise and technology,pedigree the very identity of the expertiseand subsequently,the human position,location,environment and the timing and formation of causes and the strategic effect or impact,it generates on the primacy of the knowledge invested.The institution of the causes and the effect,the social and economic interaction between them and when the outcome is harvested by the effect of the outlays,including the defect or likely dislocation,the turnovers as the effect provides for the beginning of a new dawn when the market for causes is repositioned.The growth of the market is better ploughed or reploughed in the primacy of the new defenses.Defenses are fruits of wisdom organically the experiences of previous dawn when facts are harvested to create defenses for the round ofnew information or knowledge investment.Mankind

THE PRIMACY OF DEFENSES.PART 1

The primacy of human defenses automated by moral covers is known as intergrity forest and we examine the exuberant custom through which it should be actualised,enhanced,maintained and preserved.The blogger unveils the broadminded concept to unleash intergrity forest. The overbearing nature of the human organisation cardinally utters the utmost significance of the human esteem in general.When it exudes the forklift of pristine administration,the appreciable quality of the inherent esteem redefines value system much vaunted to attain,sanctify and maintain the standard context of human intergrity.We set those optimal values much maligned by the laity to maintain the majestic talisman of this intergrity forest.We are as porous as the intergrity cover,we exude,as it maybe in the wanton benighted orgy,to satisfy the paradign shift in the quality of human expression oriented to defend the passionate drive for the becoming of goals and objectives of its action.Defenses are simply what they are

GOLDEN THOUGHTS ON EMPIRICAL FIELD.PART 16

tied to the institutional seedbed of strategic necessity.The concept of strategic necessity lays bare the moral outstandings of liability ingrained capital effects.Some generation of effects never die nor blurred by stigma of event's laden liability or debt exposed effect,still the natural law of culture ecosystem strategically demands the effect be terminated inspite of the lasting impact,better still be whisked to the grave-obscurity of history.This may happen by natural or manmade means and successive history could be on the decline.Culture ecosystem replanting and reaforestation of new causes blessed with dynamics of power ecosystem takes over successives to promote new cultureage.This dreary times could be undertaken at the fall of previous generation of golden history and does grow beyond previous dynamics until a considerable period of time has passed and it produces landmark epoch.It is impractically impossible for such monumental feat of historical progression to happen in the abrasion of new modes

GOLDEN THOUGHTS ON EMPIRICAL FIELDS.PART 15

The moral output of utilitarian field guided by the utilitarian school of knowledge is history from which mothernature manufactures empiricism or scientific nodes of empiricism.A complicated web that begins with the organic process of knowledge extraction from abstraction field popularly known as eternity.This tripod entity that provides legal framework for the writing and literature of culture also shares similar interaction with the environment they create to produce history the eternal output and generation of external input of expired effect.The composition of that effect to suggest liability of expired causes and decomposition of that effect,boldly links empiricism to the strategic imperatives of automatic periodical refueling of known history.There is nothing like unknown history that belongs to the unknown spirits and deities unless it is scupltured by atavistic intents of abstraction field.Growth and development cannot progress where they are strangulated nor embryonically intertwine their mutation to

GOLDEN THOUGHTS ON EMPIRICAL FIELDS.PART 14

more history for the sustainable growth of new modes of empiricism.Organically,it is left tothe sacrificial nuggets and operating regiments of boundless streams of lifestyles and exclusive prerogatives of cultural events to perpetually design and redesign new modes of events and conditions to write and rewrite history in the notebook of cause and effect to recreate and create new dimension of history.Historybesides being the memory of cultural ecosystem is also the proven bank of empiricism as opposed to unproven bank the utilitarian field as producer of changing modes of history.We evacuate portfolio of matured or expired empirical resources from the producing plants of utilitarian field to rewrite novel modes of empiricism and history.The intervention of the utilitarian field at critical times invariably does not undermine the context of moral outcome and logistic support,it improvises and tediously provides when empirical field,hiring known axioms from the limitation of overstressed historical reserves.

GOLDEN THOUGHTS ON EMPIRICAL FIELDS.PART 13

There is limit to which empiricism can go including its multiplier effect and potential impact.Obviously this etchinated fact is undeniably proven.Little wonder,empirical field is tied to the utilitarian field,to bridge this limit of capacity gap and empower its factory of history to manufacture new facts to produce more history,provide historical energy with which new empirical natural resources such as evidence of data,intelligence,facts and proven events can be ploughed to refuel the use of new modes of empiricism.It is the least or smallest of the known field of knowledge but the only field that can reach perfection as well as the contraction by limitation.Truth is the perfection of empirical field while falsehood and its influential forces of ignorance,opens up the utilitarian field.The later field resigns its fate the moment the purpose of the field is achieved and impact concretised either by expiration of effect or miscarriages of causes.When empiricism reaches a capital limit,you have to plant more

GOLDEN THOUGHTS ON EMPIRICAL FIELDS.PART 12

be proven but also maintain the long run sustainability concept.The material texture of history ordinarily speaking makes thing happen so mucheasily when the postulations are observed and imbibed by mothernature in the critical assemblage of socioeconomic system and cultural exis.Historical scorecard does not preview nor review itself excerpt if studentsof history reexamine the periodical contours of these historical identities to unleash new age of innovation and technology.Empiricists in the grandiloquent materialityof larger historicalcontext,deemed it grotesque to examine their scorecard left behind beyond label ascribed utilitarianists to either fairly or unfairly critique them.Openconscience cannot bebetrayed whereindellible footsprintsare examinedand sancrosanctly proven.Theliterature of historyis notwritten neither complete nor perfect where the sacrifice of the open conscience is mortgage by politics of prejudices.We share consensus evidence bow for evidence.Moreso,as startling evidences undeniable.

PHILISTINES.SONNET 1

Clung to the black cup of cafebrulot and cafecreme,goggled the penthouse's windowpane,a cafila and caespitos of jimberjawed,gimber jawed,jimmie jawed,jigger jawed,jibberjawed mesoamericans of quintessential aborigines,in their cold jawed,flabjawed,caducicorn temperament.The bard himself scribbled in the sockdolager cacoethes of cacoethesscribendi.Theypoured egregious cacophony,on western bent,as taradiddle,bildungsgate,bumfuzzled,catawampous,flummadiddle,in the flabjawed,ironjawed cadbait ecclectic cacogenetic cocoepy and cadenza of slantindicular cacographical,dysgenetic cacology.The fugue's mollagasouger cacique in the cacholong caciquismo of the hornswoggling and honeyfuggling illwillies,pacified obscenecacochymied cheeks,lacklustre fulminatedcondescripts.Discomfitureand irate withthe cat's misery andkatzenjammer,scathing widdershinsandsnickersnee,sipped offthecup,gourmandised slumgullion,hazilyrode pinion,masticating caciovallo cheese,till the rear ambush gardyloo to flog with cachinated grin cacodoxy.

GOLDEN THOUGHTS ON EMPIRICAL FIELDS.PART 11

The folklores of historical transition are evidenced in the causal fabric of historical identity.When the material components of history are experimented by the indellible footprints of the great time investors with enduring legacies,we see undeniable historical identity back up with evidence at hand.Those who report the footprints are not deified with the sanctity of the reportage until spot analytic evidence has shown otherwise evidences of eyepopping and heartrendingtrends and sustainability of extantcapacity building proven beyond legendary audacityof visionary defenses and open minded persistent social transformation not ridiculed by same politics ofprejudices.There is nopalpable change beyondthe outpouringofsuch a grassrootand ideologicallyoriented accolades.The evidences ofhistoricalidentities changes the moral perspectives of the human verdictand rationalises even the politics ofprejudices shift its illusory bent from where it may err or goof into thearena where sustainaibility cannot only beproven

GOLDEN THOUGHTS ON EMPIRICAL FIELDS.PART 10

In every age of knowledge mated with cultural components,new causes,condition and effects incubated to spiral eternity of history.Advanced knowledge age predominantly cultureage opens the floodgate of historical interaction with a cause planted by a decision and the causal stock must irreedeemably in most cases,grow into a condition after being transformed into a tradition having being mated with an ideology,a vision and a belief for the cause.It must be transformed into partial or full blown condition to be harvested at the effect end.This spiral of knowledge age transition invariably known as cultureage when it grows into a condition responsible for the formation of characters of knowledge and history to know the critical nature of cultural field at the maturity of effects.When cultureages mature a new empiricism and history created.Then it can be said that history is knowledgeable enough to afford new innovation and technology only if the empirical field's nuggets are critically reevaluated and reexamined.

GOLDEN THOUGHTS ON EMPIRICAL FIELDS.PART 9

Should i subscribe to the dictate of Ralph Wardo Emerson that 'the fields cannot be seen from within the field'thatis to say that even empiricists in the empirical field might not be better endowed to unravel their empirical asset than the utilitarianists or utilitarianists not experienced and skillful enough to unravel their growing spurt of budding utilitarian empiricism better than grandoldmaster empiricists who have passed through similar stages of brain cycle and knowledge before.To be candid the latter postulation is truer than the former's as to say the aged isblessed more with ragsthan the phoneyyouth.The purposeof historical transitionis civilisationand to embracethetutelage in timeistoavert the colosaldamageor the repetitionof the fauxpas.Then itcan be painfulwhen lies wrought similarmarvel ochestrated by the partaking of truth and well imbibedin the sacrifice of hardwork.Even men with limited perspective find convincing evidencetoorecorded substantial progress though would be unevenly distributed.

GOLDEN THOUGHTS ON EMPIRICAL FIELDS.PART 8

In the context of decision management there is a gross disconnect betwixt the verdict taken in the intangible form and the physical impact,it commands and the aftermath of both evidences and post evidences in the other hand.For instance weather changes decades after the greenhouse gasses'emmission or at the microlevel failure of an exam by either brilliant or unserious student.Cacophonies do happen too and quite unrelated.Nevertheless,no effect is possible without cause and it is the job of utilitarianists to find out.Such empiricism might not even be useful to empiricists but offer valuable insight to the users.Utilitarianists like empiricists share volatile characters and the stability of ethos and tradition they elude belong to men in the abstraction field.This strategic ilks of machismo in the unconscious display of mutual wits with the right artisticplurality or sufficient expertise offering value added services inthe market could go a long way to witness alsoacareer lifeendowedwithphenomenal feat alike.

GOLDEN THOUGHTS ON EMPIRICAL FIELDS.PART 7

Sometimes,most evils of social and technology chaos ensue from utilitarianists experimenting with immature fiction of empiricism,understimating empiricism of history as grotesque,appalling and ridiculous and so they attempt to change history not forgeting the fact that there is a limit to which history can go for a particular innovation that if its welfare and benefit not guaranteed imprecation and calamity is guarranteed.It sounds ridiculous when such contemptuous limits areknown,still tinker withstrategic threats to the same profound chaoticedge.Not interested in recognising the limit to bothscience and history inthe dangeroushorizons reflects theextent at whichhuman assumption can fly even beyond the logical end of the resistance and irrational perspective.Mankind plays with politics of prejudice drearily lingers adinfinitum in the context of decision sciences and environmental management.We know decision lifetime is shorter than human lifetime but strategic impact of the former can last aboveeternity.

GOLDEN THOUGHTS ON EMPIRICAL FIELDS.PART 6

They re encouraged not to put to much resistance in this context and be somehow flexible not put their subtle eggs into one basket to be mindful of threatening effect their ferocious resistance might have to the new changing pattern of social transformation regardless of evidence at hand.To be charged with an adversarial form of moral subversion threatening their social esteem should be ample lession for rational empiricism to embrace new innovation and subscribe periodical uncommon social transformation thrown up by liabilityand necessity's responsibility of the season.Toavoid this somewhattribulating implications,rational empiricistssubmit to theresearch curiousity introducing newinnovationpattern.Excerpttothe rationalist among,they hardly care andwhen the utilitarianistsmove into comfortable zone,theirhuge prejudice for subversivecould speak delay and avert the innovative progress.Ifprolonged,innovators andutilitarianists are distracted and beautiful dreams pillaged,envisaged social transformationtruncated

GOLDEN THOUGHTS ON EMPIRICAL FIELDS.PART 5

The complex texture of modern civilisation has come to rub off on the not too discernible pattern of change in the empirical field.We hardly exhume in the face of increasing evidence strategic threats and boon it poses to perfect human understanding.Despite lack of information,or complete information,decision must be taken to move onto and such painful pattern do become painfully obvious especially to utillitarianists still hunting for information tubers to harness empiricism that will not be used by him when he's gone.Sometimes the availability of information does not warrant its discovery let alone its applicability and consumption.And when chips are down and findings and discovery made and application endorsed,fatalists might be too ridiculous to endorse its consumption.To be candid the dreaded impact of the use and the inherent implication to warrant or influence dramatic changes to social life.Thosewho benefit so much the present are invariably much indisposedto the equalitarianbenefits of the posterity

GOLDEN THOUGHTS ON EMPIRICAL FIELDS.PART 5

The complex texture of modern civilisation has come to rub off on the not too discernible pattern of change in the empirical field.We hardly exhume in the face of increasing evidence strategic threats and boon it poses to perfect human understanding.Despite lack of information,or complete information,decision must be taken to move onto and such painful pattern do become painfully obvious especially to utillitarianists still hunting for information tubers to harness empiricism that will not be used by him when he's gone.Sometimes the availability of information does not warrant its discovery let alone its applicability and consumption.And when chips are down and findings and discovery made and application endorsed,fatalists might be too ridiculous to endorse its consumption.To be candid the dreaded impact of the use and the inherent implication to warrant or influence dramatic changes to social life.Thosewho benefit so much the present are invariably much indisposedto the equalitarianbenefits of the posterity

GOLDEN THOUGHTS ON EMPIRICAL FIELDS.PART 4

timing,magnitude,multiplier,hazard and bliss parts,data analysis,critique and objectivity,barely speculators unless for profiteering.They unveil gravity of the event at hand,grotesque,spectacular and interesting expedition,environmental impact analysis,including progression and retrogression of the impact.Such strategic impact assesment could enable them forecast future trends,its pattern of significant changes,potential disruption,environmental strategic threats,vulnerability,options for remedy and solution demanding serious attention.I think global word warming much impactful and revolutionary than global warming in general and the former has the potential to transform the latter in one fell swoop.I wrote it in one of my essayson climate change.If we could get global climate scientists why can we getglobal climate word scientists and we should deploy positive inclination to enable thisnewbreed of scientists employ positive thinking approach to resolve the fundamentalscience error.To remodel the empiricism,

SANCTUARY OF LIBERTY.PART 1

IN THE SANCROSANCT HOMAGE OF LIBERTY,THE CONTOURS OF HISTORY HAVE BEEN SHAPED TO AUTHOR HUMAN CIVILISATION.IN THIS CONTEXT THE BLOGGER EXAMINES IN A CAREFULY WORDED TREATISE,THE BEAUTY OF FREEDOM AND THE HAZARDS IN ITS DENIAL. In the sacred homily of liberty,the seeds and spirit and sanctuary of liberty have been built,and in that circulable blood of freedom consecrated for all time.The sovereign authority of the spirit of liberty solidly observes,insulates and subscribes to the sacred texts of libertas spelt out long ago authored parimaterial freedmen of the atavistic aeon.The ardent love with which they defended its hall of fame against vitriolic contempt of freedom and the wisdom they used to gain mastery from trenches churning out its artistic magnum opuses over the ages to prove till mordern times that men ought to be freed that both so called chosen races and vulgarmen alike are collectively designed to abide the vintage sanctuary of liberty for all time.In the circumlocution of freedom,the vast swathes of mordern history infact the expedient jurisdiction of freedom battlefields have been fought by the phenomenal speeches of freedom and the giant strides of the so called vulgarmen to which history was consistenly denied only

OTHER MODIFIED FEATURES OF SELLER FINANCED METHOD.PART 2

incorporation and inclusion of 6 major obligations of real estate development over which this innovative method of accelerated sellerfinanced option(ACSO) is tied with its robust plan.The six duties or roles of real estate development includes:1.).Land acquisition;2.)Market Studies;3.)project financing and financial projection;4.)approvals and permits;5.)Estate construction;6.)facility management and building renovation.7.)marketing and flipping.cOMPANIES CAN IMBIBED THIS HEAVILY MODIFIED METHOD.Hence we examine the recommendation as terms of reference and rules of engagement of sellerfinanced ACSO committes:1.)Presentation of offer letter from the buyer;2.)Reply with acceptance by seller of offer letter from the buyer.(Note:There are six components in the law of contract namely:a.)offer;b.)acceptance.c.)intention to create legal relation.d.)parties must have legal capacity.e) consideration.f)legal formalities followed.g)genuine consent.h.)contractual objectives lawful.Hence,elements of

OTHER MODIFIED FEATURES OF SELLER FINANCED METHODS.PART 1

This essay is a continuation of our effort,in the last essay posted entitled;Nigerian Real estate development,regulation,marketing strategy and transation process.part 1-5.We proposed seller financed stategy. This method however operates in tight credit market like Nigeria.It operates with five types of sellerfinancing option and below are the features;amortized over 30years period but with balloon payment due in five years;it is refinanced within that five years when buyers financial situation will have improved to either fully amortise the facility or qualify for refinance from traditional lender;sellers have no patience nor can wait for 30years for loan to be repaid whether it provides finance or not;avoid risk of credit extension;provides financing only when seller's own mortgage is paid off using buyer's downpayment;where the seller's own sizable mortgage still exist on the property,seller's own lender must agree to that transaction;secure the loan or promisory against the value of the estate estimated to worth at least $5m.This hedges against inability of the seller not being able to offer finance and the fear of defaults by buyer or fear of foreclosure by seller from the buyer.No downpayment or need to run credit check on the buyer,or possesion of asset once the plan is good;

THE NIGERIAN REAL ESTATE DEVELOPMENT,REGULATION,MARKETING STRATEGY AND TRANSACTION PROCESS MANAGEMENT.PART 5

is owned by the company.CAMA2020 says it must be approved at the board meeting.Given that aggreement in general like real estate must be written down as stipulated by statute of fraud 1676 and parole evidence and avoid risk of the volatility,as a good agreement pacifies all parties.'Quo scripti scripti'latin says what is written is written and Quo scripti manti says what is written remains.Hence like legal all sundry it is acceptable,we should devise a beffitting agreement based on the uncommon uniqueness of this transaction and in most cases,as they do in advanced climes we can provide downpayment or slowly amortises the principal and marginal interest as company,raises its revenue profile. In this context we should adopt seller financed marketing strategy to make property available almost everyone with good information and to guide transaction process.This method include land contract banking plus normal sales contract.We should structure the aggreement as maybe terminated anytime within stipulated period provided parties do nothing with no claim to damages same applies with active contract.We examine this marketing arrangement and how it works as noted in the text messages to one of my clients who later declined the processas unworkable method and no suitable for our country.People detest innovation in this part of the world.

THE NIGERIAN REAL ESTATE DEVELOPMENT,REGULATION,MARKETING STRATEGY AND TRANSACTION PROCESS MANAGEMENT,PART 4

The nature of transaction.Common documents include sale and purchase aggreement,deed of assigment or deed of lease,or sublease or power of attorney.Governor's consent application form signed by seller or lessor.With relevant documents prepared and transfer of possesioncompleted to purchaser,process for obtaining consent and registration of interest transfers commences after payment of taxes and fees.Buyer at his own discretion conduct due diligence at the land bureau for interest protection and vital in title transfer process.A solicitor,buyer or agent could conduct due diligence at the bureau to confirm title and interest in real property,zoning purpose,land use,commited or global,external or 3party interest,residue or term of years,status and seller's capacity.Consent follows transfer completion together with registration of transfer deed.Joint owner,or owner,patner of real property interest,by consent must be sought to prove title transfer validity by seller.Board resolution is vital if property is owned

THE NIGFERIAN REAL ESTATE DEVELOPMENT,REGULATION,MARKETING STRATEGY AND TRANSACTION PROCESS MANAGEMENT PART 3

that must be paid include stamp duty,capital gain,consent,registration fee and other outstanding land charges needed for registration of transfer deed are vital to lawfully vest ownership of real property to the purchaser.Land registry located in every state to guide real estate transaction where records and archives of real property in urban areas excluding rural areas are domiciled and updated.We could verify intending purchasers from the geometric weekly plan by surveyor general of the state domiciled in states'survey daparments where land statistics and information on titles and purpose can be found.Real estate title records duly documented in register of deeds at respective land registry offices in states.It documents transfer in real property interests with respective files in respect to title transfers to purchasers or assignee.Upon the completion of background check and due diligence by parties and consensus transaction cost,it is followed by the preparation of much vaunted relevant documents and depending on the nature

THE NIGERIAN REAL STATE DEVELOPMENT,REGULATION,MARKETING STRATEGY AND TRANSACTION PROCESS MANAGEMENT.PART 2

2.)property and conveyancing law(of south west states excerpt Lagos.).3.)Conveyancing act of 1881(northern&eastern states).4)Rent control and recovery of premises law(of states.].5.)Land registration law of lagos state 2015.6.)Land use charge law of 2020.7.)Tenement rate laws of states.8.)Willis act of 1837.9.)Willis laws of states.10.)CAMA2020.11.)Administration of estate laws of states.12.)Tax legislations-finance act(2019&2020amendments),capital gains tax act of 2004 as amended,personal income(amendment)tax act of (2011)as amended,stamp duties act 2004 as amended and companies income tax act(2004)as amended.We do not forget cases in the court judge made laws are binding precedents too.These laws regulate the transfer of interests in land and applicable to every category of real estate transactions.The transfer of title and interests in real property is required by law to be in writing and by deed duly executed by parties and vital in transfer transaction.Applicable statutory transaction taxes and transfer fees

THE NIGERIAN REAL ESTATE DEVELOPMENT,REGULATION,MARKETING STRATEGY AND TRANSACTION PROCESS MANAGEMENT

Nigerian real estate industry has grown exponentially in terms of scale,volume,value activity and commerciability over the last 30 to 40years period.However like any industry is subject to regulatory and institutional framework through which its state was accelerated to grow in size and volume of activity providing critical means of employment for the teeming citizenry of the nation.We examine a couple of these laws,real estate transaction process and in this case we devise uncommon marketing method which we hope property developers should buy into and the mutual benefit we hope both parties will derive backed by conventional means of agreement to make it workable for all parties exploited for artful and speedy resolution in this unique proposition.Apart from the nigerian constitution and other statutory laws like land use act degree 1978,we also have several laws guiding real estate practice in the country.They include:1.) land Instrument Registration act and Land Registration law of states;2.)Property and conveyancing

JIM CROW.CHAPTER 2,PAGE 6

to When They Call You A Terrorist:A Black Lives Matter Memoir by Patrisse Khan-Cullors and Asha bandele,it seems the lot of blacks is to go jail as captured by most fictions in the review.They boast of no good memoirs,dry of intellectual freedom,throwing in the towel and mostly disinterested in celebrating the great black inventiveness.You went to Tuskegee like Dad and you inspire me too including my son,what efforts did Tuskegites of your generation make to change the statusquo?Have you documented your own personal experiences too?I Think Dad did not`'i told him same thing and was reluctant lamented we were defeated race,that anything you do will not be appreciated.I documented my experience and i could tell my best experience with him.Do you know your dad died as a result of vietnam war?''You mean what,did he go to vietnam?'Of course we fought together in the samefront at Saigon.''Jesus he didnt say a thingbut i only saw him wear military uniform when he said it was just a cameo''No,he served for 20years.

JIM CROW ERA.CHAPTER 2,PAGE 5

New People,a novel by Danzy Senna a suspense thriller follows story of biracial Maria a New Yorker,a research scholar,entrepreneur seemingly living the perfect life.And then she questions the dreary notions of defined expectations and interested in black narratives not conforming to expected script.''Dont be silent about Ta-Nehisi Coates author of We Were Eight Years In Power.A collection of Coates essays about race and history and power during Obama's presidency.He also wrote Between the World and Me''The book is part of review here too.Jesmyn Ward wrote Sing,Unburied,Sing an award winning novel draws inspiration from experience of family facingthe embattled choiceof racial dynamics in the americansouth about 13year jojo and hismother Leonie road trip to pick up his father in Mississipi.When you explore the contents of these books from Why am no longer talking about race to white people by Reni Eddo Lodge;Dear Martin by Nic Stone;This Will Be My Undoing by Morgan Jerkins;An American Marriage by Tayari Jones

JIM CROW CHAPER 2 PAGE 4

The Six African Americans Who Escaped slavery and became Millionaires in America.''U have read Thick:And Other Essays by Tressie?''Nope,you mean Tressie McMillan Cottom''Yea,a collection of essays on black female experience in america.''I Love Ghost Boys,by Jewell Parker Rhodes.Jerome main protagonist was killed a fate similar to Tamir Rice a 12year old massacred in 2014 in Cleveland.The murder is done by officer who confuses toy gun for real gun.He moves round as a ghost meets Emmett Till 14 year black teen murdered in 1955 and later also meets Sarah,police officer's daughter and try to uncover sources of Jerome's death.''Danez Smith's Poetry collection Dont Call Us Dead is particularly inspiring.It treats black challenges,hostile environment they operate opens the poetry with'Summer somewhere'a 25page long elegy imagines paradise for black boys murdered by police brutality.Angie Thomas wrote The Hate U Give a New York Times Best seller.It tells the story of Starr Carter a sweet little sixteen trying to

JIM CROW.CHAPTER 2 PAGE 3

was written in Reynold's neat voice drew inspiration from previous book by kendi.''Franklin said it 'condenses kendi's expansive nonfiction masterpiece''exactly,entitled Stamped from the beginning:The Definitive History of Racist ideas in America.About 10chapters of 246pages.You have none on your shelf''Excerpt for the joint publication,i dont have the rest.See papa,i stumbled on many books so far written on antiracism and black freedom.'Like what?'Colson Whitehead wrote Pulitzer prize winning novel'The Nickel Boys'published by Penguin Random house.'Was it not the novel written on real life reform school in Florida where boys weremurdered andregularly beaten for a good century?'Yea,it focuses on Elwood Curtis a blackteen.''Yea,but he wrongly ends up in nickel academy,a fictional academy.'You know Curtis,he had friendship with Jack Turner,another black student.Cast in 1960s both faced the tragic reality of being a black boy in america.''I love Shomari Wills,author of'Black Fortunes:The Story of the First Six

CHANGING MODE OF ECONOMIC SECURITY.PART 4

Prominent figures such as novelist H.G.Wells,economist Thorstein Veblen courted the best governance system ever mooted in the States and it became a serious intellectual movement.Same engineers borrowed classical economics its mathematical tradition to usher in emergence of neoclassicals.With over a million members,in 1934 in California oddly enough had blossomed till date.They contended that price system was outdated and production system based on traditional economic theory antiquated.And the world should beleft in the care of engineers and technology experts,supported rigorous application of engineering principles as necessary solutions to economic security.They detest political right and every logics of political and economic system branded purely of unsound principles. The volunteerism of President Hoover's era was excellently repackaged as social security with the dawn and emergence of Rooseveltian times.Hoover had become a household name after world war 1,distributed tons of food to starving millions.

CHANGING MODE OF ECONOMIC SECURITY.PART 3

I was fond of Upton Sinclair's plan End The Poverty program in California(EPIC) that i mooted similar program in Lagos(EPIL) and forecast that ending poverty in Lagos would take a decade.Hams and Eggs movement had 300,000members and over a million callifornians at its peak in which the saboteurs reportedly ridiculed the movement based on dubious economics.Yet in the face of internecine wars by ridiculous rivals was seen as solution to the state income security for old age people.Elijah Muhamed did same for The Nation At Islam planned and packaged socialist program for the colored people.Arthur Johnson founded General Welfare Foundation of America and denounced Social Security Act as great American fraud.Ham and eggs raised fund on 2% tax on corporations and individuals and was killed in house of representatives in 1939.Production for use was popular in america in 1918 in contrast to production for profit in the reform movement of the period that gave birth to technocracy initiated by a patent attorney in

CHANGING MODE OF ECONOMIC SECURITY.PART 2

Thomas Paine's logic of common sense appealed to native americans same logic was instrumental to their political independence.Paine's system of agrarian justice based on 10%inheritance tax also partly contributed to economic freedom- social security of post depression era.Civil war pension program,State and company pension programs,Coxey's and Townsend clubs which died a political death made their early impact too.Townsend clubs had 2.2million members within two years of being introduced.The passage of social security act of 1935 accelerated graveyard silence of Francis E.Townsend's vision,buried in dustbin of history.Charles E.Coughlin,had a weekly Radio of 35m.-40m.listeners.The passage of the act destroyed this beautiful dream too.When in 1936,Townsend and Huey Long's Share the weath movement came together to form 3rd party against devil Roosevelt their sworn enemy to contest presidential election of the period and prevent New dealer from being elected,faded as it were into obscurity and finallycrashed.

CHANGING MODE OF ECONOMIC SECURITY.PART 1

Our world is fast changing and the people and sciences that support it.With the new proposition by Neomarxism and Marsolism,we benchmark and juxtapose with similar ideas worldwide.We take the United States as a case study in this context.All over the world,changing mode of economic security,is hidden catalyst to the spectrum of universal economic progress.First,it was the feudal lords guarranteed by land and labour of slaves and later evolution of formal system changed the key metrics in mordern custom as land was snapped from feudal lords and transformed into villages,towns and cities in the face of ballooning populationtime bomb.Thetraditional guilds later came to occuppydynasty and customary influence onceaccorded to the feudal lords andsquirearchy.America adopted same poor law tradition asher colonialmaster and subsequently welfarism and freemasons stepped in to fill thevoid of economic security,priorto the emergenceofsocial security act of 1935.We briefly examined the contours of history sequel to 30s.

JIM CROW.CHAPTER 2,PAGE 2

addiction''Oh my late dad's bossom,fellow Tuskegite,i knew it was you.I told my wife to get down to meet you.Are you back from beverly's and detroit now and done with automobiles?''Long ago,3years now but got no pension.They decided to remove blacks from payroll pension.'shook head as he listened to the weary Tuskegite.'Racist policies everywhere deliberately to deny blacks their dues.Yet prejudices fly with racism and bar people from talking about it''Exactly you get the gist.Ibram X.Kendi a black man,award winning scholar in the study of history of racist ideas published in 2019 How to Be an Antiracist,wrote about it.''Oh you've read that too.''Yea''he said america needs transparent self reflection and critical thinking otherwise americans who swear theyare not racists continue to hold and support racist policies.Therefore in the book,heshows how to be antiracist.''Youre right Ibram Kendi also teamed up withyoung Jason Reynolds to write and publish Stamped:Racism,Antiracism and You.''Youknow that samebook

JIM CROW.CHAPTER 2 PAGE 1

JIM CROW.CHAPTER 2.PART 1 ibikunle laniyan Nov 15, 2022, 7:21 PM to laniyanibikunle Joe louis door was knocked by old man and forced by spouse to attend to the strange knocks.'i can hear dreary knocks downstairs?You re much concerned about books and dead to fungi and matters around you.''she complained.'And you think so?'Why didnt you hearthat knock?''Go downstair andattend to it.Bring upthe old man to thepassage and i'll bein the library in a jiffy.ok.''She stood upin her pyjama and the eyebrows she raised and the pat,woke him up in the new day.He continued with the last 17 books,reviewed on Mashable in an essay written by M.J.Franklin documented books by black authors shaping race relation in america.Franklin had said in the essay's intro entitled:17 books by black authors that are shaping our conversation about race'sometimes the best way to understand the world around us is to pick up a book'He was more interestedinthe powerofthe booksbeing thehiddentruthaboutthe environment man deserts.Theold man smiles sheepishly opening library door and commended him:Big joe you're back to your ver

MY WORLD CUP DREAM

World cup surely so amazing buzz a thrilling soccer fiesta and the world greatest religion is finally coming to an end.Voluminous 32teams gradually burns calories turns to miniature size with 4 teams in the semifinal category.However before i do my unkind prognosis,I will like to reflect on my memoirs and my greatest regret and happiest moment.First England my favorite team blew a golden chance when Harry Kane lost second penalty.Secondly, same Morocco the first African team that first reached round of 16 in 1986 beating same Portugal 

3.1 did it again.It defeated Ronaldo team in penalty shoot out to set pace again becoming first African team to get to semifinal since 1930 when the mundial started.In above photo, somebody is pointificating. Now I wish any of the two underdogs to win world cup preferably Croatia beating Morocco in final.Shallom.

  

REVENGE

We are extremely polarized in mordern society and institutionalized assymetry so much ingraved,into the fabric of mordern life,indicates the worst case scenario for moral depravity of a modern man.Frankly speaking,lucre the god of capitalism is at the root of mordern evil.Man can take revenge due to the greed for capitalism and the winner takes all at every toga of hell-bent and cluelessness to the serf in general.In most cases,looser takes to revenge if be indeed they can.And

to be disposed otherwise to the truth of the matter risk the slavery of mordern art.Peradventure,one enthuses that curbing avarice could lead to it's censure and abdication.Revenge on the increase at alarming rate is spurred by unbridled growth of capitalism and avarice.However,it has taken an entirely different dimension in mordern neoliberalism arouses insecurities between companies and between nations in the global community.To be precise, revenge comes in the mode of competition for companies in the market place.But for nations in the international community,it is declared boldly and rival nations faced their fate accordingly.For instance cold war rivalry between Russia and America took close to 70years to wage.The crash of old Soviet necessitated Indirectly the Russia Ukraine war masterminded by revenge of America against the country with world largest landmass.Revenge can take many dimension with sometimes Illogical steps from it's victims or victory.Contented arts barely brawn nor bicker their conditions when it arises in the horrible canyon of the most unpredictable nebula facing modern age.Contentment is the key to absorbing avarice and must not be taking for granted.Taking a look at the jobless boys in various betting centers in Lagos,we see  above photos of contented boys and men thinking out of  box trying to make ends contented with their position.

THE END OF THE YEAR

Obviously it's quite amazing how far we have come towards the end of the year and it's for you and I a time for self reflection and accomplishment stock taking.I do not believe sincerely speaking you can outlive your Creed with no such mentality for visionary defenses.We chart a new Dawn for better year when we do that and we turn our regret into positive energy.You ask yourself :Why did I fail or succeed?You will get answers during such reflection period and your spot analysis will be good for the next year.Merry Christmas in advance? 

Shallom. 

GOLDEN THOUGHTS ON EMPIRICAL FIELDS.PART 3

perspective grows in transition to enable capture of the whole view and its constituent parts with the whole balance persist over time turning the tides over like natural force.This enables critical indepth view of the whole crisis spot and not abandoning the graver consequences of the beautiful accomplishment.Man on the empirical fields is much more concerned about the blissful adventure of benediction nottraumatic ravages of malediction and lamely the forecast resolutionto dampen the incongruence.He lamentsin most cases when heproffers solutionand such task is left to the successive glides of utilitarianists.And where they show a sample of resolution it is only implemented at the elementary stage to spawn a critical lineage of long term innovation.Cultural hazards like technology chaos and social chaos catapulting malaise as social debt items pan out in the same way.We struggle at most crucifix,mordern civilisation in this context isfaced with challengesof benevolent inventions and malevolent innovations.

GOLDEN THOUGHTS ON EMPIRICAL FIELDS.PART 2

To gather intelligence otherwise also known as expired empiricism,is a tortuous journey on the utilitarian field in a thoughful transition composed of expertise,timing,psychological transport,ideology,location or environment,intelligence gathering and crisis resolution.An empiricist then autilitarianist must identify a crisis spot toproffer a resolution after a cerfiablelevel of extensiveenquiry and intelligence survey.Utilitarianists in this context in the web oftransitory field construct and promotecomplex and astonishing edifice of morderncivilisation.This experiencedesign could be later retrieved and consumed by successive generation or civilisation and such cummulative packets of intelligence or information freedom if not critiqued by later generation will quash doldrums.And to those who arrogate as shallow the truth of the past,the concerted efforts of prior gladiators might be ridiculed but certainly will spur a new age of mass innovation and entrepreneurship.Truthfully,moral edifice of psychological

GOLDEN THOUGHTS ON EMPIRICAL FIELDS.PART 1

Mankind is an empirical animal planted on the empirical field of knowledge in most cases and it runs the utilitarian fields with the knowledge of the former field.in this treatise the blogger explores the strategic impactthe field interaction with man have had on survival of homosapien. Nature is a journeyman in the empirical field recording the spectre of golden thoughts it mines from the spigot of invinsible abstraction field and supplanted in the utilitarian field of knowledge harvested in the empirical field when the nature of such condition and event periodically dies when they less matter at the depletion of its time and maturity of lifetime in a given culture and cultural life cycle.And lo culture becomes a mother and subsequently,It left behind a gigantic book as the world greatest investment,remains of world information stock market to which time and seasons,age and epoch never weary to admit astrographical riches of the earth.We cannot be coerced to unravel the majestic tapestry of this historically industrialised field until we've gain a mastery of its fortune including both benediction and malediction as the case maybe at a particular time.A good student of history popularly known as historian barely challenges its empiricists'master craft in the critical rendition of empiricism. ibikunle laniyan Wed, Nov 23, 12:46 PM (12 days ago) to laniyanibikunle

ARISEN GRAVEYARD

How oft it is when men die that death may die at the point of grave.Should there be mercy that it may flee abode at their keepers wrath.O that truth may come from its den as a lion that it may speak that my sordid and blisful pen brutal than death and merry as sweet as the lollipop and mercurial as the day.Graveyard that hath sucked my uncle's bone dry as the sanddunes hath been impuissant to transit him dead bone into the graveyard.To behold that my pen hath tucked the graveyard beneath his foot so death's pale flag emasculated him ere his transition into the yard of silence.O graveyard,earnest brute of the heaven's moisture speakest thou foul to give up his carcass for the resting place.O what more favour can my pen do to recalcitrate him sheol.Is such axiom so crimson in thy lips to utter and swallow in thy guttural?Depart again death as brute as my pen sallow;for the grave shall not have my uncle's recumbence to the yonder beneath.Now will i lay myself with everlasting life to ferry comfortable comfort,

THE FUNDAMENTAL ECONOMICS OF MARSOLISM.PART 2

In the marsolist fundamental economics,being the primordial basis of marsolist of economics,there are basically ten theories to be considered.They include the theory of the firm,the theory of the consumer,the theory of the market,the theory of the society,the theory of ideology,the theory of history and the theory of culture otherwise known as the theory of existence.The strategic interaction this true theory of the market system speaks volume of the fundamental theory of the market system and the theory of human welfare and theory of price system,the theory of time and theory of price time investment.Understanding these 12theories differently creates ordinarily strategic ease of passage into the goldenage economy.The purpose of humaneconomy wouldsoonexpand until itreaches a stable climatewhen it will then bedriven by ridiculous contempt of welfare.Degrading profitmotive andthe maximisation of profit motivetocitewelfarism asthemost realisticpurpose of theoryofthe firmwouldsoonbe proven beyond a reasonaldoubt

MANAGERIAL ECONOMICS REDEFINED AND FIRM'S VALUE.PART 3

its research and development personel to engage in development of new products vital to further grow total revenues.However,it is a logical disservice to the ingenuous method of inventive art to accrue the determinants of a firm's value as shown in the last equation to equal the equation.That the value of i depends on the riskiness of the firm as shown in chapter 15;and conditions of the capital markets as shown in chapter 16.That the values of TRt depends on:1.)demand and forecasting noted in chapters 3-6;pricing as shown in chapters 11-14;and new product development in chapter 8.That values of TCt determine by 1.)production techniques shown in chapters 7-10;2.)cost functions in chapter 9;and 3.)process development.Hence,Mansfield concluded a firm's value depends on factors influencing TRt,TCt and i and the allied constraints.While it is necessary to realise that the constraint factors it faces endear it to explore optimised innovative techniques should ordinarily create leverage for its continue existence.

MANAGERIAL ECONOMICS REDEFINED AND FIRM'S VALUE.PART 2

That the profit equals total revenue(TR)minus total cost(TC) as expressed in the equation =£n,t=1TRt-TCt%(1+i)t.where TRt is firm's totat revenue in year t and TCt total cost in year t.We might query this equation logically as abnittio as apriori.Does it not amount to a blunder of strategic analysis to suggest managers and workers'capability in influencing a firm's value in an astray lacking the mettle to evaluate the possibility and probability of all revenue options available to firms in the marketplace?Is it positive or negative?if positive then it maystrive to reduce its cost and huge gap can be witnessed b\w two curves-cost curve and profit curve.There is a limit to which its marketing managers and sales reps can go to grow total revenues,neither its production managers nor its engineers to practically reduce cost budget to the barest minimum.Not to demystify the velocity of ratio at which capital is procured in the marketplace that is determine by price time investment.Though it's desirable for its

MANAGERIAL ECONOMICS REDEFINED AND FIRMS'VALUE.PART 1

We redefined the context of managerial economics and charts a new dawn in the academic appraisal of firm's vavalue In the book Managerial Economics by Edwin Mansfield,methinks we quite agree that in theory of firm,firm generally tends to maximise their value and has control over its value and can set at any level it chooses contrary to mansfield irrespective of constraints.Constraint factors on the limitation of value such as limitation of input factor,related capacity constraints in respect of procurement of materials,human resources,specialised equipments,timing of expansion,dearth of technology,legal and contractual constraints and taxes.They can limit the cashflow or ratio of profit it can generate and constraint on a firm's actions main analytical relevant techniques for this problems are contained in constrained techniques like linear programming etc.A firm's value is defined as the present value of expected future cash flow and as expressed in the equation=#1%1+i+#2%(1+i)2+....+#n%(1+i)n=£nt=1%(1+i)t.where # is expected profit in year t,i is interest rate and t moves from1(next year)to n(last year of planning spot)

JIM CROW.CHAPTER 2.PAGE 6

to When They Call You A Terrorist:A Black Lives Matter Memoir by Patrisse Khan-Cullors and Asha bandele,it seems the lot of blacks is to go jail as captured by most fictions in the review.They boast of no good memoirs,dry of intellectual freedom,throwing in the towel and mostly disinterested in celebrating the great black inventiveness.You went to Tuskegee like Dad and you inspire me too including my son,what efforts did Tuskegites of your generation make to change the statusquo?Have you documented your own personal experiences too?I Think Dad did not`'i told him same thing and was reluctant lamented we were defeated race,that anything you do will not be appreciated.I documented my experience and i could tell my best experience with him.Do you know your dad died as a result of vietnam war?''You mean what,did he go to vietnam?'Of course we fought together in the samefront at Saigon.''Jesus he didnt say a thingbut i only saw him wear military uniform when he said it was just a cameo''No,he served for 20years.

JIM CROW.CHAPTER 2.PAGE 5

New People,a novel by Danzy Senna a suspense thriller follows story of biracial Maria a New Yorker,a research scholar,entrepreneur seemingly living the perfect life.And then she questions the dreary notions of defined expectations and interested in black narratives not conforming to expected script.''Dont be silent about Ta-Nehisi Coates author of We Were Eight Years In Power.A collection of Coates essays about race and history and power during Obama's presidency.He also wrote Between the World and Me''The book is part of review here too.Jesmyn Ward wrote Sing,Unburied,Sing an award winning novel draws inspiration from experience of family facingthe embattled choiceof racial dynamics in the americansouth about 13year jojo and hismother Leonie road trip to pick up his father in Mississipi.When you explore the contents of these books from Why am no longer talking about race to white people by Reni Eddo Lodge;Dear Martin by Nic Stone;This Will Be My Undoing by Morgan Jerkins;An American Marriage by Tayari Jones

JIM CROW.CHAPTER 2.PAGE 4

The Six African Americans Who Escaped slavery and became Millionaires in America.''U have read Thick:And Other Essays by Tressie?''Nope,you mean Tressie McMillan Cottom''Yea,a collection of essays on black female experience in america.''I Love Ghost Boys,by Jewell Parker Rhodes.Jerome main protagonist was killed a fate similar to Tamir Rice a 12year old massacred in 2014 in Cleveland.The murder is done by officer who confuses toy gun for real gun.He moves round as a ghost meets Emmett Till 14 year black teen murdered in 1955 and later also meets Sarah,police officer's daughter and try to uncover sources of Jerome's death.''Danez Smith's Poetry collection Dont Call Us Dead is particularly inspiring.It treats black challenges,hostile environment they operate opens the poetry with'Summer somewhere'a 25page long elegy imagines paradise for black boys murdered by police brutality.Angie Thomas wrote The Hate U Give a New York Times Best seller.It tells the story of Starr Carter a sweet little sixteen trying to

JIM CROW.CHAPTER 2.PAGE 3

was written in Reynold's neat voice drew inspiration from previous book by kendi.''Franklin said it 'condenses kendi's expansive nonfiction masterpiece''exactly,entitled Stamped from the beginning:The Definitive History of Racist ideas in America.About 10chapters of 246pages.You have none on your shelf''Excerpt for the joint publication,i dont have the rest.See papa,i stumbled on many books so far written on antiracism and black freedom.'Like what?'Colson Whitehead wrote Pulitzer prize winning novel'The Nickel Boys'published by Penguin Random house.'Was it not the novel written on real life reform school in Florida where boys weremurdered andregularly beaten for a good century?'Yea,it focuses on Elwood Curtis a blackteen.''Yea,but he wrongly ends up in nickel academy,a fictional academy.'You know Curtis,he had friendship with Jack Turner,another black student.Cast in 1960s both faced the tragic reality of being a black boy in america.''I love Shomari Wills,author of'Black Fortunes:The Story of the First Six

JIM CROW.CHAPTER 2.PAGE 2

addiction''Oh my late dad's bossom,fellow Tuskegite,i knew it was you.I told my wife to get down to meet you.Are you back from beverly's and detroit now and done with automobiles?''Long ago,3years now but got no pension.They decided to remove blacks from payroll pension.'shook head as he listened to the weary Tuskegite.'Racist policies everywhere deliberately to deny blacks their dues.Yet prejudices fly with racism and bar people from talking about it''Exactly you get the gist.Ibram X.Kendi a black man,award winning scholar in the study of history of racist ideas published in 2019 How to Be an Antiracist,wrote about it.''Oh you've read that too.''Yea''he said america needs transparent self reflection and critical thinking otherwise americans who swear theyare not racists continue to hold and support racist policies.Therefore in the book,heshows how to be antiracist.''Youre right Ibram Kendi also teamed up withyoung Jason Reynolds to write and publish Stamped:Racism,Antiracism and You.''Youknow that samebook

JIM CROW.CHAPTER 2.PAGE 1

Joe louis door was knocked by old man and forced by spouse to attend to the strange knocks.'i can hear dreary knocks downstairs?You re much concerned about books and dead to fungi and matters around you.''she complained.'And you think so?'Why didnt you hearthat knock?''Go downstair andattend to it.Bring upthe old man to thepassage and i'll bein the library in a jiffy.ok.''She stood upin her pyjama and the eyebrows she raised and the pat,woke him up in the new day.He continued with the last 17 books,reviewed on Mashable in an essay written by M.J.Franklin documented books by black authors shaping race relation in america.Franklin had said in the essay's intro entitled:17 books by black authors that are shaping our conversation about race'sometimes the best way to understand the world around us is to pick up a book'He was more interestedinthe powerofthe booksbeing thehiddentruthaboutthe environment man deserts.Theold man smiles sheepishly opening library door and commended him:Big joe you're back to your very

UNFUNDED TAX CUT

New Prime minister recently took over power in Britain on Monday after he met endorsement of over 100members of parliament in accordance to rules of 1922 committee.Rishi Sunak,the first asian and firsthindu british prime minister and youngest prime minister in 200years at age 42.After he was approved by the Monarchy,the superrich banker and former chancellor who served Brexiteer Boris Johnson,the people's choice for two years took over no.10.Downing Street in a bigbang 44 days after Liz Truss the late Regina Windsor's last choice as PM resigned.I keep wondering still uncomfortable albeit my imponderables,what has come over Britain that they have 3 prime ministers,in two and a half years,3home secretaries and 3 chancellors during the same period?Is it that they also lack capable hands to handle purely economic matters as it were since 1832 when Robert Peel became first democratically elected prime minister after the great reform act of 1832 or ever since Walpole became the first prime minister and gallantly

BROTHER'S KEEPER.SONNET 4

New Prime minister recently took over power in Britain on Monday after he met endorsement of over 100members of parliament in accordance to rules of 1922 committee.Rishi Sunak,the first asian and firsthindu british prime minister and youngest prime minister in 200years at age 42.After he was approved by the Monarchy,the superrich banker and former chancellor who served Brexiteer Boris Johnson,the people's choice for two years took over no.10.Downing Street in a bigbang 44 days after Liz Truss the late Regina Windsor's last choice as PM resigned.I keep wondering still uncomfortable albeit my imponderables,what has come over Britain that they have 3 prime ministers,in two and a half years,3home secretaries and 3 chancellors during the same period?Is it that they also lack capable hands to handle purely economic matters as it were since 1832 when Robert Peel became first democratically elected prime minister after the great reform act of 1832 or ever since Walpole became the first prime minister and gallantly

BROTHER'S KEEPER.SONNET 3

brood of moses and kith'n`kin of Joseph Laniyan's whose daisy kick a centurion's evening toss had passed beyond annals'kismetic handikraft.Literati Moses as well as her jolly comfort,supplanted in the mercurial sanddunes from turbulent abnittio across the median trudges fallen in the wilderness,whereon mothernature assumed parentage to aid bewildered kinsmen navigate last vestige of virulent memoirs.Heypresto Abraham and Jonathan struck blackgold from the beaches of sanddunes.Bravo,gnomes in zurich kinsmen partying in eulogy of mothernature and abraham's kinsfolks globetrottersacross thegluts.Sunny times'bliss,glowing the leagueand tepid sun interred in the median passage as the purple birthirradiatedthe junglesof deforested sands ofsahara,pack of wolves,feeding the scavengesof fallen dreams.Agolden troth of brother's keepers' wedlock,who can divorcethee?There miscarriages of broken troth barely fathoms sweetening eagles of the air and roses of the rosecoloured petals,threatened to fade in pinionofdingy sand

BROTHER'S KEEPER.SONNET 2

Let the consortium bloom phosphorescence as the lillies and the eagles,Arise we arise villatic gangsters in the encroaching urbane genus,bade overseas,kindred,in the clique of gemutlichkeit,radiated bonhomie beyond golden roots,Not the gild clothed with cadre of sobriqueted irreverence and sodality to commune discord apple break the brawn of the junto,but a bloodline,a blood squads of klatches,maelstromed in the empyreal chapter of nuclear gangsterism's renaisance.And we dreamy mobsters in the cabalised camarilla of rudderless confederacy,barely adrift the good-bad wine of glutten sororities,bade for better days.Mafia of ogbomosho beverages and brewery gluts,inthe tempestuous quivers in Lagos accelerated broken gorgesas nethers of band's collective rings emasculated progenies andkinsmen asundered in trenches,community of plutocracy-hungry menage and wandelust-kinfolks.Hungriots and junketing wolvesin the piety of broken sands and broken gongs.Cuzzie-bros,ainga of own flesh and blood,of nearest and dearest

BROTHER'S KEEPER .SONNET 1

A million laughs a million miles away do i lovemy bloods?A tooth for a tooth to hideneurosis,a thing about something,not to abalienate to the abaftof sunny times.Oh am my brother's keeper in thetedious sun's astern till adversity's loath andsmothered,mollusk abbot-generals,my archabbotsofcomradeshipsings untramelledtedious sun'selegyat abattoir.Astenderfoot abloomgonegaga withthiselegy,house ofrancourplummets afarwherefeticideofrapprochement,aborticideofbrotherhood's abnegationsings eulogyofthetedious sun,abalone to abaloneableist language hath renderedcivility impuisant.Abluent of thislanguage,clannish kinship drooped over the rancorous wall,in florescence ablushed and reddened in a tangle of wildrose bushes offraternity's savages.My genealogy,abolla of collegiality?what abomasum a bolt from the blue,clad in the velvet of painstaking a bon marche?Lucre and nuptial knot,plays the elegy o what abortifacient hung over this abortus of clique's broken reed to quell ab ovo as posteriori?

DATA SCIENCE.PART 2

However data is generally defined as representation of facts about something.We analyse data using the three fields of knowledge ranging from abstraction field to utilitarian field onward to empirical fields where objective data operates on a concrete framework.Subjective data operating the fiction parts full of dots.Data can be both fiction and facts and when it is objective data it is facts and a fiction when it is subjective data and it begins with dots,signs and later symbols and then units and bytes.It produces two types of data intelligence both man made or artificial intelligence or robotic intelligence.Application programs on a computer can be described as robotic intelligence that is a particular sets of data has been robotised and given us robotic intelligence and nonrobotic or natural intelligence such as stored in the space or in the person's mind.The stages in the generation of data include the following data needs;data identification;data profiling;data assemblage and organisation;data selection

DATA SCIENCE.PART 1

The world is governed by information and the main motive of the economy of existence and the science of history being culture is to provide information that is backward audit of history and to generate and promote transformation in terms of the backward audit of history.Forward audit harvested at the effects'end and backward audit at the causal end when a given tuber or metric tonne of information is invested.This information investment however is called decision and a price that is paid for the investment.We explore the meaning of data,the state of data,stages of data that form the data cycle and the essence of data or data generation,data theory and data economy and the growth of data GDP in the long run and the impact of data or data generation capacity in the ethonomy of development cycle and the role it plays in the causal influence of all other sciences that govern human,social,political and economic and so to say cultural technological endeavours.We do not have to bother about concept of data and use.

LOAN DOCUMENTATION AND BANKING FINANCE.PART 1

Banking services in this part of the world to those with meagre knowledge of the nature of banking is considered absurd owing to not too informed verdict about financial services in general.Nevertheless access to banking services is a life transforming affair for seasoned economic agents.In this essay the blogger ibikunle laniyan examines in the process of finance and critical access to credit facility,loan documentation invariably makes a difference and to understanding various documents used in the credit negotiation could go a long way in getting finance to the borrowers alike.We explore various documents banks require to make loans accessible to clients below.It appeals to several types of facility especially to the mortgage facility.Enjoy the reading.Offer letter readily comes when borrowerseagerly initiate loan process.A document that specifies loan terms and conditions,subject to interested borrowers examination.If agreeable to stipulated terms signs the letter often adjudged binding to both parties.

LOAN DOCUMENTATION AND BANKING FINANCE.PART 3

There is a debenture when the borrower creates a charge over its asset in favour of lender.This means the lender is given some interest over some asset of the borrower.Obviously,the lender takes over in the event of borrower's default and sell it to get repayment.2 types of debenture fixed and floating charge,the former is a fixed charge on specific fixed asset while the floating charge floats on inventory or non constant assets like shares.Another option is a combination of the two.Moreover,stock hypothecation floats on the use of stock of goods as collateral.Companies that deal with large stock of goods fall into this category and could use the stocks as collateral and maybe seized in case of default.We shall not rule out the letter of lien and set off.A borrower uses the letter to create an interest over the borrower's asset,in favour of the bank.It could be cash in a bank or property.The borrower simply signs the letter stating that it gives the bank a right of lien over the specified property.Borrower

FINTECHS AND THE NEW WAVES OF DIGITAL REVOLUTION.PART 13

microfintechs spin offs from traditional fintechs serving communities and states at most.Outlandish innovation incorporated into the value chain tends to abhor this missing link.It could only do a disservice over the longterm to alienate the underserved and the unbanked poor in general.As vertically intergrated value chains declines in the financial sector and technology enabled disruption practices exponentially explores financial clarity,identify promising innovation policy makers as well investors and regulators must undergo intellectual reform.And in terms of opening up financial landscape to the poor specifically its chronic gross underperformance in this aspect,leaves muchto be desired.However,CGAP understudying the evolutionary paces,points out the missingspace for the unbankedpoor in the fiercely competitive highly sophisticated consumer mass market.Same missing space muchmaligned by traditionalbanks to ignore theinformal sectorat largehad been imbibed by fintechs in the emasculating and insensitive

FINTECHS AND THE NEW WAVES OF DIGITAL REVOLUTION.PART 12

of highly competitive driven business products and valuebased services,altering corporate models and transforming financial value chains enhanced by eyepopping regulation that left legacy banks green with envy and goose pimples.Nevertheless,in the context,in the clarity of strategic innovation enterprise between specific innovation and financial inclusionis often assume rather solidly proven.Hallucination and all the buzz around fintech sound crazy,viciously intriguing and absolutely grotesque.As fintechs perpetually abhor this potential link,strategicgoal of poverty eradication goes up in smoke and the glory of everlasting influence now belong to sovereign wealth fund fintechs(SWFF\SWEFFINs)whose asset should begin from a trillion dollar up.Practically we expect fintechs to evolve from microfintechs with paid up capital less a billion naira or $2m.to $5m.at black market rate.Their elitist approach also explains fully their programatic and institutional notion of grassroot disconnect. Or better still several

FINTECHS AND THE NEW WAVES OF DIGITAL REVOLUTION.PART 8

SA accounts for 40%african fintech market,with Ghana and francophone westafrica and then nigeria and egypt growing until 2025 at 15%,13%and 12%respectively.11 Markets comprising nigeria,Ghana,Egypt,Kenya,Tanzania,Southafrica,Uganda,Cameroun,Senegal comprises of 70%and 50% of african GDP and population respectively take the fintech radiance where growth will be concentrated.Inspite of all the activity,only a handful of unicorns start ups with $1b.valuation like kuda,flutterwave etc.Navigating the key component challenges of sustainability,scaleability,profitability,technology ecosystem,regulatory framework and corporate governance is a major hurdle.This is navigable with robust business method.Forget that in assumption of similar investment levels per customer,that is 4 times harder to achieve profitability in africa than in latin america and 13times harder than it is in EU and 20times than America,a globalised fintech with unique business methods escape unhurt.We quite agree regulatory framework uncertain,

FINTECHS AND THE NEW WAVES OF DIGITAL REVOLUTION.PART 11

(KYC),General data protection regulation(GDPR) and a whole lot of regulatory bodies to deal with based on divergent jurisdictions they work with.They include office of comptroller of commerce(OCC),Consumer financial protection bureau(CFPB),commodity futures trading commission(CFTC) and federal deposit insurance commission(FDIC)regulate their conduct in america.Fintech start ups should learn from them prior to venturing and inherent regulatory risk as they vary from country to country reduces to the barest minimum.Moreover,fintechs niches go beyond just digital banking and comprises of popular niches like investment management,wealth management,digital lending,mobile banking,global money transfers,insuretech,regtech,microfintechs dealing with digital microcredit,loans and advances,blockchain and Artificial intelligence based solutions,crowdfunding,emicroinsurance,eREITs,e-micropayments and mobilepayments,financial product services.There is a lot of stuffs to be done in the heavily untapped underbanked and the

FINTECHS AND THE NEW WAVES OF DIGITAL REVOLUTION.PART 10

negotiated terms of investment in the digital bank.Protecting the intellectual property assets is vital to the survival of a digital bank.Property such as the logo,software,apps and source codes from appropriate registry such as National copyright commission(NCC) or for trademark,patents and designs registry.The setting of robust corporate governance platform to ensure sound corporate governance practices with duly constituted board comprising at least one independent director and required board committees etc.A staggering host of boundless opportunitiesawaitsfintech start ups,which are under mandatetoworkwith specified apps and softwaredevelopers ranging from digital lending,digital banking,consumer efinance,digital microcredit,due to the fact that they aid users to bank,pay,save,spend,invest,borrow and generate money.Digital banks and fintechs are also heavily regulated.Considering regulations such as antimoney laundering(AML)policies,payment card industry data security standard(PCIDSS),Know your customers

FINTECHS AND THE NEW WAVES OF DIGITAL REVOLUTION.PART 9

The emergence of fintechmania came with a lot of sensation and more than ever before Nigerians are expressing interest,making increasing enquiries at the local commercial law firms on what it takes to set up digital banks in the country.The central bank guidelines in this context for digital regulation and specific licensing regime yet to emerge but the prevailing initiative to work with available financial licenses share consensus across the board.The extant licences below will fill the gap:a.The use of microfinance bank licence.b.Payment service banks licence.It can accept deposits from clients but cannot issue loans.PSB licence can be obtained by established banking agents,telecom companies and available fintechs.Capital requirements to obtain licence is 5billion naira.c.Finance company licence.capital requirement:100m.naira.The receipt of licence by promoters is followed by CAC registration and promoters must ensure they have right contract in place to protect their business interest coupledwith properly

FINTECHS AND THE NEW WAVES OF DIGITAL REVOLUTION.PART 7

intechs surpasses $1tr.annual global revenue.Mobile payment dominated revenue and payment apps like paypal,payoneer,Venmo,apple pay and a host of mobile money services prevalent in SSA region.The region account almost 50% or 48.4% of active global mobile money users.Bureaucracy in public civil services drasticaly reduces including ease of opening bank account,including telecom services,made accessible to the larger audience.The growth of cyberattacks could be equally mindboggling.MPESA witnessed a wave of organised crimes led to huge loss in kenya.Kuda in nigeria and Zazu in Zambia raised over $3m.still shows remarkable resilience.Mckinsey analysis shows african fintechs have made remarkable inroad with revenues between $4b.-$6b.per annum in 2020 and penetration levels excluding south africa absymally low at 3%-5%.Cash still used in 90%of transaction in africa compared to less thanU.K.20%currently.Africanfinancial services based on the study could grow by 10%annually growing by2025 to $230b excluding SA.

FINTECHS AND THE NEW WAVES OF DIGITAL REVOLUTION.PART 6

Creates insurmountable hyperchallenging task and possibly could under deliver.Two or three years,blockchain technology came with lot of excitement that could revolutionise banking.But with media overhype fallaciously underdelivered and seriously underperformed below its potential.In 2020 about 50billion devices was connected to the internet collectively known as internet of things(I0D) and prompted trillions of small but realtime transactions,conducive for fintech services.Now with the new waves of fintech services,a good fintech should be able to leverage on thousands and millions of wallets,cryptos,AI,blockchain,IODs toprovide cost effective electronicbanking servicestoany types of clients even the unbanked populace.With emergence of financial technology revolutionising the value chain ranging from blockchain technology,to digital banking,mobile payment options and crowdfunding,boundless opportunities massively created should be leveraged to solidly proffer solution to its institutional inadequacy.In 2019,

FINTECHS AND THE NEW WAVES OF DIGITAL REVOLUTION.PART 5

be overtaken by the new techies.Blockchain,AI,cryptocurrency and smart contracts currently usurped the public ovation,deemed to be core competence of any financial institution in the next decade.Equipped with highly datacentric technology,financial institutions will be positioned to offer improve faster risk assesment,customer product matching,enhanced security and customer focused and intelligence driven operations.The rise of fintech or financial technology enables market competition even could share infrastructure and equally legacy banks to rething their technology and grow innovation for better services.Digital banking as one of core fintechservices grew from innovative practice androde on consumer interest and on the frontuser experiencefor the mobile apps moving to the backend,with greateremphasis on data analytics.To add valueto the services enterprisebanks find common ground to collaborate with fintechs or fintech startup to grow this valuechain.The strategic delivery of institutional capability

FINTECHS AND THE NEW WAVES OF DIGITAL REVOLUTION.PART 4

In the latin america and caribbean region high data cost was cited by 60%of the unconnected as main obstacle to internet access.83% of people in africa live in mobile connected areas but only 27%are using them.This critical regulatory and institutional inadequacy could stall the beautiful dream,promotional expansion and rapid access to fintechs'services online.Nevertheless the golden spiral of fintechs continues to be one of the major drivers of digital revolution waves.For instance previousyear was a banner ad.for this golden investmentever acceleratingthe valuebased services for rapid digital transformation.The industry according to BIS study attracted a trillion dollars from over 35,000equity deals grew exponentially to 5%from mere 1% since 2010.The top 100fintechs already account a staggering value of $2.7tr.compared to the top 100banks with value of $7.1tr.The growing spectrum of decentralised finance replacing legacy banks and traditional intermediarieslike banks,brokers and insurance firmsseem to be

FINTECHS AND THE NEW WAVES OF DIGITAL REVOLUTION.PART 3

also examines concerted effort maneauvered at bridging the divide.Less than 10%of the poorest percentiles in africa could access the internet.51%of south asia women less likely to use mobile internet.Unfortunately when vulnerable poor population access the net,lack of digital education frustrate the whole effort.In most african countries,using my country interpersonal user based experiences,the more access mobile connectors in africa get,the less research and capacity building,they accommodate,a cardinal point why ignorance and misery rises in the continent.From Chile where Cuenta Rut as national ID linked basic account operates over 2million vulnerable Chileans received social assistance payment directly to their bank accounts in the face of massive closures of offices to shut out virus spread;to Cote d'ivoire where govt provide medical screening and infection geolocation intelligence,containment measures were succesfully deployed.Turkey provides elearning platform with over 1million teachers to 18m.students

FINTECHS AND THE NEW WAVES OF DIGITAL REVOLUTION.PART 3

digital expansion however it could not obscure the soaring risks and inherent obstacles.It was particularly encouraging during C0VID19 period keeping the financial system functioning and people save in the face of moral embargo like social distancing and quarrantining imbroglio that attended the pandemics.In the face of falling demand and disrupted input supply,recessionary tightening of credit condiotionings and rising incertitude,kept its ammunition shelling as new attempts were made to churn out sensitive technologies to manage this relentless spiral of growing risks.Be that as it may,in the fast explosive tech ecosystem,developing economies expected to lag behind in 2023 where digital usage struggle from the rear.As it were during the pandemic similar divide experienced a surge of 5billion users worldwide compared 3 billion offline 96%in the developing region.A digital inequality of this monumental proportion currenly defies no solution,though puzzles not beyond the author's proven proposition.We also

FINTECHS AND NEW WAVES OF DIGITAL REVOLUTION.PART 2

digital expansion however it could not obscure the soaring risks and inherent obstacles.It was particularly encouraging during C0VID19 period keeping the financial system functioning and people save in the face of moral embargo like social distancing and quarrantining imbroglio that attended the pandemics.In the face of falling demand and disrupted input supply,recessionary tightening of credit condiotionings and rising incertitude,kept its ammunition shelling as new attempts were made to churn out sensitive technologies to manage this relentless spiral of growing risks.Be that as it may,in the fast explosive tech ecosystem,developing economies expected to lag behind in 2023 where digital usage struggle from the rear.As it were during the pandemic similar divide experienced a surge of 5billion users worldwide compared 3 billion offline 96%in the developing region.A digital inequality of this monumental proportion currenly defies no solution,though puzzles not beyond the author's proven proposition.We also

FINTECHS AND NEW WAVES OF DIGITAL REVOLUTION.PART 1

The raves of fintechs has taken the world by storm.In this article the blogger ibikunle laniyan examines its critical impact on the global economy in general. Mordern age experiments a lot and experiences a whole lot of boom and burst in the growth of technological services and revolution.We cannot be compelled to abandon the notion that each pain in the optimal growth of technological ecosystem albeit as it were comeswith gigantic growth in the standard of living and balloon in mordern civilisation.However we've reached a crescendo once again similar to internet revolution of the early 90s and it came with a big bang,unprecedented explosion and strategic irresistibility of the digital financial services ferociously leveraged and solely powered by fintechs.No doubt,they have lowered potential costs by maximising economies of scale,grow security and transparency and the velocity at which digital transaction takes place at particular period to grow tailored financial services to serve unbankable poor.Albeit the inherent risk and challenges facing digital financial services and regulatory framework,across intercountry disruptive experiences,growth of digital expansion