Friday, 16 October 2020

New Nigeria - E Go Better

‘E go better, Nigeria, go better’ 

That phrase got popular a long time before I was born.

However, I hope its use will come to an end in my lifetime because a lot of people were born, used that phrase and passed away without anything getting better.


SUPER POWER without POWER!

In a country with irregular power supply, it was by the grace of God that my delivery was safe.

The doctors and nurses on duty must have screamed ‘Up NEPA’ and whispered “Down  Nepa” a few times the night I was born.


From one thing to the other, it’s like from ‘fry pan to fire' and this makes me ask myself if Nigerians will ever be free from the jailer!

African Giant dwarfed by corruption and nepotism

“Eni ti a fi jẹ oye awodi ti ko le gbe adiẹ”

(Sworn Falcon incapable of capturing a chicken)



From the era of slave trade to colonisation, military rule, then the adoption of democracy; the newest form of enslaving Nigerians. 

The difference  now is the people vote for their slave masters in the name of rigged electoral practices under the guise of free and fair elections.

Coloniser sympathisers assuming position of Godfathers, continuously ‘masturbating’ in the corridors of power.


Nigeria is going through a lot of bad governance induced pain that makes it very difficult for many Nigerians to thrive. Many can barely survive.

Cost of living keeps soaring, minimum wage is a joke!

Can the law makers live on the minimum wage? #30k for civil servants while they lace their own pockets with billions.

The masses look forward to each election and hope for a change that doesn’t seem to be interested in a country where the only thing changing is the poor getting poorer and the rich getting richer.

Majority drown in suffering, the rich minority live at the expense of the poor.


No basic amenities and the cost of poor level of education provided by many educational institutions is unbearable. 

Seems like the government is using illiteracy as a weapon to punish the people and as a veil to cover their eyes.

If you don’t know your legal rights, you can’t demand for it, none of us is free until we are all free.


“Guide our leader’s right

Help our youth the truth to know”

The youths now know our leaders are not guided, there’s no noble cause on their radar. 

Open your eyes Nigerians and wake up from your slumber. You’ve been cheated, looted, abused and ridiculed despite the gifts and resources' God has blessed you with.


“I pledge to Nigeria my country.

To be faithful, loyal and honest.

To serve Nigeria with all my strength

To defend her unity and uphold her honour and glory

So help me God”

There is no honour among thieves,

How can God help you if you don’t help yourself? After all, God helps those who help themselves.


What is it going to take to find a trustworthy man or woman in Nigeria on whose shoulder good governance can be entrusted? Will it ever be possible to get God-fearing people to guide Nigeria right and put an end to the suffering Nigerians have to strive through from birth?


The 11th largest oil producing country (https://www.indexmundi.com/g/r.aspx?v=88&t=20 ) import refined oil products, yet there are supposed engineering companies and refineries in Nigeria. Of what use are they if Nigeria cannot refine its own oil at source?


Power to the government, none to the people, well maybe they’ve forgotten that they are meant to serve the people, and not the people serve them. The level of corruption is intolerable, and this has made life difficult for so many Nigerians in and outside Nigeria.


‘E go better’ people pray every day for things to get better, but God won’t come down from heaven to fix the things we have destroyed with our own hands.


Before things can get better, we need to get rid of all the bad, bring in good ideas and innovations then work on the good to become better. 

Allow the youths to use the power of their youth to be the leaders today.

We can no longer wait to be the leaders of a tomorrow that’s not certain. 


The young must be provided with good education, the government must work on improving the standard of living in Nigeria.


Police brutality must end! Anyone in position of power must know they are not above the law and must be held accountable for their actions or inactions. 


There is a lot to be said about Nigeria and how things should be improved, but I’m not just going to sit here and say ‘E go better’. 

The power of the people is mightier than the people in power.

I will work hard and spark the minds that will join forces to make Nigeria the country it has potential to be. 

God bless Nigeria and God bless you.


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Friday, 17 January 2020

Death Thou Art Cruel! | Solace When Going Through Loss of a Loved One

Nothing prepares you for the loss of a loved one.
It's a very dark place to be, time almost stops, the world almost seize to rotate. 
The void left drains one from within like a black hole.
Leg gives way on solid ground, solid rock starts to feel like shifting sand.
You feel like you are sinking on solid ground like it is possible to drown on top of a mountain.
Sometimes the heart is filled with hurt, sometimes it's broken and filled with void.
We seek and find solace in our faith and the hope that we will meet again to part no more.
To all those going through the agony of losing loved ones, my thoughts are with you and I pray and hope that we all find that solace that our hearts desire.

Here is a poem about DEATH!

DEATH thou art cruel!
You roam around casting your shadow,
Looking for who to consume.

DEATH thou art cruel!
You take one away,
Then break the hearts of many. 

DEATH thou art cruel!
You cut short what could have been,
And leave voids that can’t be filled.

Thursday, 16 January 2020

The Chase - Spoken Word Poetry | BBC Upload Poetry

         

                             

My heart is heavier,
I take my time to do everything.

My breaths are deeper,

And I take extra care when I talk

Just because I don’t want to hurt you.

The time goes by,

And it’s like the world is coming to an end.

The sun rises and sets,

The day increases in number,
Yet, it’s like things are not changing.
The world is spinning so fast without a destination,
But I have a determination
That will soon become a manifestation.
I’m reaching out for your heart,
And all I need is your love, trust, kindness and care.
The depth of the ocean can’t be compared to how
Deeply touched I am by your love.

The heights of the mountain won’t stop me from reaching out to you,
The distance to the sun won’t stop me from pursuing your love.


              

Saturday, 4 January 2020

Strangers-to-Lovers

We went from 
strangers-to-lovers,
Breaking all bounds,
Defiling all odds.

We went from 
strangers-to-lovers,
Creating memories,
Making long term plans.

We went from 
lovers-to-strangers,
The boundaries we broke overturned,
The odds now  turned against us.

We went from 
strangers-to-lovers-to-strangers 
in a lifetime.
Created memories fading by the day,
All the made plans now unmade,
Deafening silence is all that remains.

Saturday, 14 December 2019

Our First Christmas Tree

We are excited to share how we decorated our Christmas tree with you:
Subscribe to our channel: https://www.youtube.com/channel/UCwIu2zSoC1ZKD2Zdh-b_B7A?sub_confirmation=1





Sunday, 1 December 2019

Yoruba Challenge - Do You Think You Can Read Yoruba Language?

I wrote a new poem and asked my wife to read it first as usual (role of number one fan).

The poem is a mix of English and Yoruba, a true reflection of oral communication in our household.  
The moment she started reading, I realised how difficult it can be for a fluent Yoruba speaker like my wife to read Yoruba (I'd probably struggle if I have to read something in Yoruba that I didn't write). This led to an epiphany, the birth of #KelzYorubaChallenge. 


The aim of this challenge is to get as many people as possible to read the Yoruba language and share with others. Culture preservation is essential right? Just like the colourful culture displayed in many Nigerian traditional weddings you've seen, Yoruba languge is such a beautiful language and as a poet and author, I appreciate the language even more.

If you will like to take part in this challenge and join me to spread what I hope will be an awakening moment, you can follow these simple steps:


  •  Record yourself reading the poem below: 

Title: Life is a Beach (Written by Kelvin Obareti)

Life is a BEACH.
Classical ELEMENTS in sync,
A beauty to behold.

EARTH be kind to me,

Ilẹ Okẹrẹ, a f’ọkọ yẹri, alapo ika, 
Ma te ori ẹ, ma ṣe ohun rere.


WATER quench my thirst.

Omi la bu wẹ, Omi wẹ mi mọ
Omi la bu mu, ongbẹ Jinna s’ẹnu mi

AIR give me life,

Afẹfẹ o ni fẹ, ko ma kan Igi oko l’ara, 
afẹfẹ, fẹ ire ko mi l’ara.

LIGHT illuminate my soul.

Tan imọlẹ rẹ, Kin r’ona gba
Ki Ona la, kin l’aluyo.


  • Use the hashtag #KelzYorubaChallenge on your post and tag me on your choice of social media platform:
•Instagram: @kelzbaba
•Facebook Page: Created by Kelz
•Twitter: @Poetic_kelz 

Looking forward to receiving/watching your entry.

It's time for the sleeping children of Africa to wake up and connect back to the roots. Our source of wisdom, knowledge and everything else we are made of. 




Monday, 6 May 2019

Chichen Itza | Walk around El Castillo | Pyramids


Enjoy as we take you on a journey around the impressive Chichen Itza (El Castillo). This is 1 of the 7 wonders of the modern world.
While the world was immersed in the Middle Ages, the Mayans built this majestic city, primary political centre of the Mayan Region. Its icon #ElCastillo, a pyramid dedicated to the god Kukuclan, is a testimony of this important culture's impressive mathematical and astronomical precision so important that it is named by UNESCO as 1 of the 7 wonders of the world.
The 91 steps on each side of the Pyramid and 1 on the altar add up to 365 steps, the number of days in 1 year.


Enjoy the video of the walkaround below:


Thursday, 11 April 2019

Visit Dubai | Love from Dubai






Visit Dubai and explore the Desert Safari with Dune Bashing and drifting. We got wet in the Jumeirah beach and was in awe of the beautiful architecture and engineering of this modern city.

Sunday, 12 August 2018

Help to Buy : Winners and Losers


The Help to Buy Scheme

The UK Government Help to Buy scheme was probably created with good intentions. The scheme was meant to deliver millions of new AFFORDABLE homes and help hard working people to purchase their first home.

Who are the winners and the losers?

According to www.helptobuy.gov.uk , Help to Buy: Shared Ownership and Help to Buy: Equity Loan were introduced to help hard-working people like you take steps to buy your own home.

With the government's Help to Buy: Shared Ownership scheme you can buy as little as 25% or as much as 75% of a home and pay rent on the rest.

Help to Buy: Equity Loan makes it possible to buy a home with just a 5% deposit and up to 20% loan (40% if buying in London) from the government subject to eligibility.

Our focus will be on Help to Buy: Equity Loan. For more information on the Shared Ownership, visit the help to buy website in the links provided at the end of this article.

Help to Buy Equity Loan: Fantasy

At first glance, it seems really good that instead of getting a typical mortgage of 90% LTV meaning you provide 10% and the bank will lend you 90% of the property value, you can now provide a deposit of 5%. Thanks to your knight in shining Armour, the Help to Buy: Equity Loan Scheme.

In some sort of twisted dark fantasy, developers welcomed this idea with open arms and started overpricing new build properties which are the only properties you can purchase with the Help to Buy Scheme.

If things were straight forward, for simple mathematics and illustration purpose only:

You want to buy a property worth £200,000.

Instead of looking for a £20,000 deposit to combine with £180,000 loan from the bank, you can now buy with a £10,000 deposit with the option of getting up to £40,000 equity loan from the government (interest free for 5 years) reducing your borrowing from a mortgage provider to £150,000 and boosting your chances of getting an approved mortgage based on your earnings and credit history.




If you are keen on using the Help to Buy scheme and earn a decent salary accompanied by good credit history, you can put down £10,000 and get a loan of only £10,000 from the government and still get approved for a 90% loan from a mortgage provider. This limits how much you will have to pay back the government assuming the value of your property goes up (with equity loan you pay back same percentage of the property value you borrowed from the government plus interest after 5yrs of no interest, not the exact amount you borrowed).

The developers get to build and sell their new built homes,
construction workers get jobs,
economy grows.
Everybody wins including the government.

The above ideal case would have been lovely but it’s very far from reality.

Help to Buy Equity Loan: Reality


Scenario below is closer to reality.

Thanks to lack of regulation by the government, property developers knowing that the government can provide a 20% equity loan started hiking prices of new buildings.
Developers can now put a price tag of 240,000 on the same building and the only help you now get is help into more debt because the developers will reap most of the benefits as they’ve played you to have no choice but to get the 20% equity loan from the government and stretch your initial deposit to £12,000 (mandatory 5% of the property value) in order to be able to afford the purchase of your new home.

Although you only have to find just £2,000 more to add to your initial deposit to be able to afford the new home which might not seem so bad, you will be paying £40,000 more and owe the government and the mortgage provider more money. All the help to buy is doing in this case is helping you to get into more debt and you can guess it, in this game, you are the loser and this is a choice that most first time buyers have gone with. 

The first batch that took this route when the scheme launched in April 2013 are due to start paying back the interest on their equity loan. To read more about this, see useful links section of this article. 

How to Play Safe

It’s not all doom and gloom. To make the most of the help to buy scheme you have to make sure you are not overpaying for the property. Check price of properties in the area especially what people are paying for similar size (area, not room numbers) properties. Get developers to give up as much as possible. Some developers will offer to decorate the new home (worth thousands of pounds) and even pay stamp duty (no stamp duty for first homes less than £300,000) if you push them hard enough. That way you are getting a total package that’s more in line with the property value.

What's the Way Forward?


In order for Help to Buy to achieve what it was set out to achieve, the government will have to regulate the pricing of these new builds with help to buy eligibility. New homes should be affordable before they qualify for the Help to Buy scheme.
That way, innocent people trying to get on the property ladder will be protected from the claws of greedy property developers.



Email questions and comments to: kelvin@createdbykelz.com

Definitions and Useful Links


Help to Buy Scheme: Government scheme to assist those interested in buying new build to step on to the property ladder and in turn provide more homes in the UK.

LTV (Loan to Value): If your deposit on a £100,000 property is £10,000, since your deposit is 10% of the property value, LTV is the remaining 90%

Stamp Duty:
You must pay Stamp Duty Land Tax (SDLT) if you buy a property or land over a certain price in England and Northern Ireland.

For first time buyers, you can claim a discount (relief) so you don’t pay any tax up to £300,000 and 5% on the portion from £300,001 to £500,000.

Sources:


Useful links:

Help to Buy Equity Loans
What they are & how to pay them off: