Tomi of ROYAL LINE FOODS

We will be having an insightful conversation tomorrow about the institutions shaping ESG in Nigeria. Plan to attend. Don’t miss. See you.

Sitting online doing nothing about a situation, prepared for nothing, achieving nothing, complaining about everything, it’s all sickening to me. The potential is there but it’s thrown away, the tools are there, but they’re left ignored. If you’re a coward on your own then build a team, if you feel lost, then seek guidance, if you stumble on your mission, then get back up, if you fail then learn and strike again. Excuses rot the will, hesitation is a thief of years. The world does not wait for the unready, it simply moves on, and the chance you waste today will be claimed by someone bolder tomorrow. As a community we have no excuse, we are billions, millions or thousands, we should be able to easily handle a problem with one phone call but instead it’s dog eat dog and threats find their way through the cracks and take advantage of the situation. We could achieve both the sun and the moon if only the people were willing to reach for the stars.

Before you tell the family that a scholarship covers everything, put the offer letter and a blank sheet of paper side by side. Write down what the university will pay directly, what it will pay into your account, and what you will still have to pay. Those are different amounts. Here is a made-up example. An offer covers $18,000 in tuition and provides a $12,000 living allowance for twelve months. The total package is worth $30,000. The amount available for rent, food and the rest of life is $12,000. Suppose your own estimates come to $700 a month for accommodation and $450 for food, transport and other recurring expenses. That is $1,150 a month, or $13,800 over the year. You already have a $1,800 gap. Now add $2,000 in one-off travel and settling expenses. The gap becomes $3,800 before any other uncovered charge. These are teaching numbers, not estimates for a particular city. Your actual offer and actual costs must replace them. There is another calculation. When does the money arrive? If the first payment comes at the end of the first month, you may need to pay travel costs and survive that month before receiving it. An offer can provide enough money over a year and still leave you with a difficult first few weeks. A refundable housing deposit also needs cash upfront, even though it may eventually come back. Read the dates with the same attention you give the amount. Cornell's published funding guidance illustrates why. It describes different payment arrangements for fellowship and assistantship stipends, and says summer support is offered by some programmes. That is a reason to ask about your own award's arrangements, not to assume that every university works like Cornell. Also check the period covered. Nine months of support cannot be stretched into a promise of twelve. Funding for year one does not tell you the conditions for year two. Ask what academic progress, teaching or research duties are attached, and which costs remain yours. If the language is unclear, get the programme's explanation in writing. For a family planning to help, the useful conversation is specific: the amount still needed, the date it is needed, and whether that support is actually available. Money someone hopes to find later belongs in the uncertain column. You can celebrate an offer and still ask these questions. The letter is the starting point. A usable plan shows how you will get there, meet the first bills and remain there while you study.