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BXC Firm, PEJO Plaza, Shugaba Bage Street Millionaires' Quarters, Lafia (2025)

05/02/2022

REASONS WHY YOU SHOULD HAVE A WILL TODAY.

A last Will and testament is a legal document that allows you decide what happens with your properties after you die. Yet, according to a recent survey, less than a percent out of the Ten percent of Nigeria have a will.

If you’re among them, you should know that there are many reasons to have a Will TODAY. When you die without a will, you leave important decisions up to the unknown to decide for you. Which over years is being wrongly manage. You won’t have a say in who receives your property and other assets. Plus, not having a will can make it more difficult for your family and loved ones after you are demised.

Here are some reasons you should make a will today:

1. Save time, money, and stress for your loved ones.
Almost all estates have to go to probate court to start the legal process overseeing the distribution of assets. But when you don’t have a will, the court process — known as intestate administration — can get especially complicated. And this can be time-consuming, expensive, and even contentious for your loved ones. When you have a will, you can choose the person you want to manage your property, making it easier for your family.

2. Determine who will manage your estate.
As mentioned above, deciding who will handle your estate/properties is a great reason to have a will. When you write a will, you become a “testator” and have the opportunity to nominate an “executor.” This is the person who will be in charge of wrapping up all your affairs.

Being an executor is an important job. Their responsibilities may include everything from closing bank accounts to liquidating assets. So you should choose someone who is capable and who you trust to carry out these activities.

3. Decide who gets your assets and property — and who does not.
Most people know that a will lets them decide who will get their property. As the testator, you can distribute among las beneficiaries for specific assets. You can also name beneficiaries for any property that you don’t list — the “residuary” of your estate. When your executor handles your will, they’ll be in charge of distributing these assets.
You might not be aware that you can also use a will to help ensure that some people don’t receive anything. For example, you might want to prevent an ex-spouse from receiving an inheritance. Or, if one child received your support through school, you might want to make sure a second child gets their fair share, too.

4. Choose who will take care of your minor children.
If you’re a parent, you can use your will to nominate a guardian for your minor children. The surviving parent will usually get sole legal custody if one parent dies. But if both parents pass, this is one of the most important reasons to have a will.

A guardian will be responsible for all your children’s daily needs, including food, housing, health care, education, and clothing. And if you don’t nominate a guardian in your will, chance may cruely have to choose one for you. This could mean that someone you would not have chosen will be raising your kids.

5. Leave instructions for your digital assets.
Your digital assets may include online accounts, such as Facebook or email, crypto accounts and digital files or property (photos, videos, domain names, etc). In your will, you can name a digital executor to manage these assets after you pass. You can leave them to specific people, and also include information on how you want them handled (e.g. if you’d like an account closed or continue).

6. Lower the potential for family disputes.
If you have complicated family dynamics which is popular now, there’s a good reason to have a will. When you die without a will, your family will have to guess at what your final wishes were. And chances are, they won’t always agree. This ambiguity can create friction, fights, which sometimes lasts a lifetime. Creating a will solves the problem by eliminating the guesswork.

7. Support your favorite causes and leave a legacy.
Many people want to leave a positive impact on the world after they pass. And a great way to do this is to support the charities or causes you love most. When you write a will, you can preserve your legacy by leaving a part of your estate to a charitable organization.

8. Provide funeral instructions.
You may not want to think about your own funeral. But if you do think about it now, and leave instructions with your will, you can lessen the burden on your loved ones after you pass. While these instructions aren’t legally binding, they can give your executors and loved ones some guidance on your wishes.
When you include instructions, you can name a funeral executor to manage the process, give suggestions for the service and location, make requests for your final resting place, and more. Even write a valadictory notes to your love ones.

9. It’s easy to make a will and gain peace of mind.
Some folks put off creating or updating their will because they assume their loved ones will automatically get an inheritance. But this isn’t always true. Probate can be a long and expensive process for your heirs. Plus, a will only addresses your current circumstances. You should update it over time as your needs and the people in your life change.

10. Removes every customary/family laws or rules: The making of a Will removes the application of customary law rules of succession/ intestacy upon the disposition of a testator’s estate. Here, the family traditions or customs as to how properties are shared in that particular family can be waived aside due to the directions provided in the will by the testator.

11. Continuity: The continuity of administration of the testator’s estate is guaranteed.
The quick takeover of the estate by the beneficiary: The estate of the deceased is quickly managed as the will determines who gets what and who manages what.
Appointment of Guardian(s): A will helps in appointing a guardian for a testator’s infant/children. This way the testator can appoint trusted hands to watch and guide his infant/children or pet upon his demise.

12. Donations: Will is used in making trust in form of donations to Institutions/charity homes. Another very important use of wills is to make donations to charity homes or institutions one might want to help succeed even after their demise. #+2348065638116

17/01/2022

DO NOT SURRENDER.
Do not at any cost surrender your life to the weaknesses within your life. Do not surrender your life to the mediocre thoughts of others; do not surrender the belief you hold in yourself and in your abilities, do not surrender the dreams that you have worked so hard to hold in your mind. For what right do others have to judge another's dreams for they have not walked a mile in your shoes! There are no limits to your courage and determination. The only limitations are those that we place upon ourselves. Mold your thought into a weapon of immense power.

Wipe away the tears from your heart and let your life be brushed by the fingertips of your immortal soul, breathe deep, with purpose and a deep held conviction. There is an inner strength and an inner peace within us all, which the world cannot pe*****te and the hypocrisy and ignorance of the human mind cannot poison. Embrace that inner source of strength and you will become fearless and the obstacles within your life will seem insignificant no matter how persistently it hold.

You must be undisturbed and stern in your resolve that you are a creature so versatile and resilient that you cannot be defeated and you must hold firm in the conviction that you will not be defeated. You are a creature which can and which will endure. There is nothing that you cannot achieve and there is nothing that you do not have the ability to overcome within your life. Harness the power of your MIND for it is your greatest barrier.

You are an individual of immense courage within the battlefield of life and there is no greater battle than that which will be fought with your own life. You must not, despite the pain, the despair, the grief, the intensity, the loneliness within your life, surrender the very essence of your dignity and hope to the enemy which hovers around you in pursuit of conquering both your mind and your soul. Please hold on the finished line.

12/01/2022

QUIETENING YOUR MIND

There once was a farmer who discovered that he had lost his watch in the barn. It was no ordinary watch because it had sentimental value for him. After searching high and low among the hay for a long while; he gave up and enlisted the help of a group of children playing outside the barn. He promised them that the person who found it would be rewarded.

After searching high and low among the hay for a long while; he gave up and enlisted the help of a group of children playing outside the barn.

Hearing this, the children hurried inside the barn, went through and around the entire stack of hay but still could not find the watch. Just when the farmer was about to give up looking for his watch, a little boy went up to him and asked to be given another chance.

The farmer looked at him and thought, “Why not? After all, this kid looks sincere enough.”

So the farmer sent the little boy back in the barn. After a while the little boy came out with the watch in his hand! The farmer was both happy and surprised and so he asked the boy how he succeeded where the rest had failed. The boy replied, “I did nothing but sit on the ground and listen. In the silence, I heard the ticking of the watch and just looked for it in that direction.”

MORAL: A peaceful mind can think better than a worked up mind. Allow a few minutes of silence to your mind every day, and see, how sharply it helps you to set your life the way you expect it to be! The soul always knows what to do to heal itself..The challenge is to silence the mind…

10/01/2022

YOUR DAYS ARE WRITTEN.
“…all the days ordained for me were written in your book before one of them came to be…”
Psalm 139:16.
D you know that God almighty has written out the good story of your life? Written plans to good life; peace, joy, prosperity, sound health… Hey, that doesn’t mean that you won’t go through challenging situations. It just means that God will use everything you go through to move you forward toward that good plan.
When things happen that we don’t understand, it’s easy to think, why did this happen? Why the lack? Delay? Hurts? Family challenges? But, you can’t let the things you don’t understand keep you stuck on the same page in the story of your life. You have to decide to turn the page so that you can see the victory written, waiting for you in the next page.
If you are facing difficulty now, please know that God’s plan is to turn it around and use it for your good. The story of your life is not over. Just open the next pages. Keep moving forward, keep believing, keep confessing, keep forgiving, keep being happy because your days are written out for good, and it’s time to turn the page and see the blessings He has in store for your life. Feel just okay to be you in spite of your challenges. It’s a good script written on you.

04/01/2022

Dancing with Insecurities.

Hi Reader,
Imagine yourself in front of a
person who makes you feel
insecure?
How do you feel?
Do you feel a freeze?
Do you feel threatened?
Do you feel like a loser?
Do you feel like escaping?
Do you feel like screaming and no
voice comes out?
Do you stay quiet and hate yourself
for doing so?
Now, I ask you a crucial question.
To change how you feel, can you
do something right then, 'within'?
If you can't, lets delve a little
deeper into insecurity.
Insecurity makes me uninteresting.
Insecurity makes me possessive.
Insecurity makes me panicky with
imaginative negatives. Insecurity
makes me unfriendly. Insecurity
makes me jealous.....and much
more.
Besides all of that, insecurity
destroys my ability to connect.
People give us opportunities not
only because we are talented or
hard working or meritorious. People
give us opportunities because they
feel 'connected' to us.
Sometimes insecurities makes me
do things going out of my way,
thinking, it will please someone I
want to appease. Sadly, I end up
getting ridiculed or taken for
granted. That makes me even more
insecure.
Sometimes, I go on a crash diet
wanting a glance of appreciation
from someone. Sadly, I end up as
the butt of jokes.
Sometimes, I pass up opportunities
wanting to prove my genuineness.
Sadly, I get taken as an idiot.
Every time, my sense of inadequacy
'remains'. Ironically, my insecurity
seems to have a life strength of its
own that refuses to weaken.
Why is it so difficult to shake off
this insecurity?
Clear your head and read on!!!
Everyone wants to feel like a hero.
When we see inside, we feel weak,
we feel inadequate, we feel low
willpower, we feel we are not strong
enough. In other words, we feel
secretly ashamed of being 'me'.
There is no hiding here. There is no
cheating here. There is no
pretending here. There is only truth.
Immediately, we look outside for
own sense of worth. Remember, we
want to feel like a hero, we want to
feel desirable.
This becomes our need for
validation / approval /
appreciation / acknowledgment.
Example...Have you noticed the
madness to be around celebrities?
To touch them, to be photographed
with them, to collect their
autographs, to throw their names in
our 'friends list', etc., is our way of
increasing our self worth.
Another example...the advertising
industry has exploited our need for
acceptance by spending billions of
dollars paying celebrities 'preying'
on our naivety.
Sadly, this creates a belief that self
worth can be purchased / acquired
just like a car / music system /
phone / fair skin / bigger home /
designer brands / holidays abroad
to exotic destinations, etc.
The trouble is -- "No approval from
the world can make us feel
WORTHY." No validations can ever
eliminate self doubts.
On the contrary, it makes us more
fragile / arrogant / snobbish /
anxious. At the same time, when we
crave for approval, we give the
control over our lives to 'others'.
They are appointed as 'valuers' who determine your value. A cobbler is asked to value a diamond. A fish is judged based on its ability to climb
a tree. So sad!!!
How to overcome this? How to
escape from this trap? How to 'be'
secure?
Please bear with us. The answers
follow in the next 'Life School
Message'. I want you to think about this Life School Message, reflect it with your life and contemplate on the answers....
See you next time...
With loads of love, prayers and best wishes,
As I Live, I Learn.

28/12/2021

THE LION INSIDE A MAN DOES NOT EAT A WOMAN.

At one time, a newly married young man was shouting at his 20 years old wife and his father called him inside and said to him, 'We only shout at people our threats could give fear but not the same to a woman especially the one you called your wife. The way you are shouting, you are giving away your power and she is the one you are giving it to. Your threats make her stronger'. Most men believe that when a woman is being threatened, she is subdued. Thats a lie.

Let us not be blind and still feel we have our eyes wide open. Why is it that the moment a man starts having s*x even with a 15 year old girl, she stops fearing him. If she was used to running to hide before when she sees him, that stops? I will tell you something about women we have never believed.

Eve first talked with serpent, the enemy of God. She never feared to meet with him. She was the one who brought Adam closer to the serpent. Adam must have heard things about serpent from God and he kept his distance. But the woman never did the same.

Women are not changed with fear. A woman may likely stay quiet when a man is threatening and shouting but she is not sitting down inside her. She is evaluating the man's weakness and how to subdue him rather. Throw your mind back to those days you knew the men that were beating their wives and now, the men are getting older, who is suffering it today? All those women their husband were beating years back are the ones enjoying the marriage with their children and their men are at the receiving end.

Let it become clear to men that the way into a woman's heart is not to try to subdue her. God spoke to men and said, 'Husbands, love your wife'. Do you need explaination about that? Love makes women weak. When you truly love a woman and prove it, she submits to you without you saying a word. But when a woman has sensed that she is just like your toy, the spirit of rebellion takes over her. She might not physically stand on your way but she is plotting coup against you and one day, you sit and watch her and her children force you to follow their rules or die quicker.

Almost all the great and fierce kings you know died before their wives. They lived all through their life threatening their fellow men and wives. They were able to kill most of their strong fellow men but all the women they threatened stayed alive. Women know how to survive against men.

The lion in men does not live up to doing to women the things it does to their fellow men. Women naturally know how to survive pains. They can walk to the fearful serpent and make their demands.

2nd kings 8:1-6, the Shunemite woman left her country because of famine with her family and returned seven years later. She found out that her family valuables have been taken over by others. Her husband never stood up. The woman went straight to the king to ask for her things back. Where was her husband? There are things women fear but not the lion inside men. They can submit and respect their men so foolishly that you imagine that there is no gut inside them. They have guts men don't have.

We don't have compatible relationship with women by showing the lion inside us. God knew women before us and begged that we show love than threats. He knew it won't be a formular. The formular is, conquer your woman with love. When a woman is loved, you break all her guts and she stays in your hands. A woman can do anything to stay with a man who is honestly in love with Her.

Talk gently towards your Woman, Don't shout. Do not arrogantly display your weakness but your strength: love.

26/12/2021

BE HAPPIER.

We all want happiness. But why is it so hard to come by?

Why do most of us spend our entire life seeing happiness but never finding it?

I think it’s because we are looking in the wrong places. Most of us go looking to drugs, alcohol, s*x, shopping, etc. to find happiness. We change relationships, jobs, cars, houses, friends, etc. always thinking if I had That (insert relationship, job, house, car…) I’d be happy. But when we get that thing it only brings temporary happiness. Then we start looking for the next happy high.

I don’t know about you, but I don’t want to spend my entire life looking for happiness only to find it and have the buzz wear off, the relationship crumble, or the job just not work out.

Here are ways to be happier:

1. Realize that happiness is an inside job.

What this means is that happiness must come from Within. Make the mindset & skill set shifts. Replace old negative beliefs with new & empowering ones.

2. Let go of the past

The past is over and done with, you can’t change a thing so stop living there.

3. Forgive yourself & others

You are human, therefore you will Never be perfect, nor will Anybody else. So forgive yourself and others.

4. Stay in the present moment

Learn to connect with your breath. It is your Best tool for staying present. Take at least 5, 1 minute moments daily to focus on your breath.

5. Love On Yourself daily

Could be taking a bath, reading a good book, buying that outfit, sing, cooking a fancy dinner, going dancing… whatever brings you joy, Do it!

Will you spend your entire life looking for the next happy high or will you invest in yourself and live every moment being present?

It’s your life, MAKE IT EPIC!

24/12/2021

‘WHY DO WE SHOUT IN ANGER?

A saint asked his disciples, ‘Why do we shout in anger? Why do people shout at each other when they are upset?’

His disciples thought for a while, one of them said, ‘Because we lose our calm, we shout for that.’

‘But, why do you shout when the other person is just next to you?’ asked the saint. ‘Isn’t it possible to speak to him or her with a soft voice? Why do you shout at a person when you’re angry?’

Disciples gave some other answers but none satisfied the saint.

Finally he explained, ‘When two people are angry at each other, their hearts distance a lot. To cover that distance they must shout to be able to hear each other. The angrier they are, the stronger they will have to shout to hear each other through that great distance.’

Then the saint asked, ‘What happens when two people fall in love? They don’t shout at each other but talk softly, why? Because their hearts are very close. The distance between them is very small…’

The saint continued, ‘When they love each other even more, what happens? They do not speak, only whisper and they get even closer to each other in their love. Finally they even need not whisper, they only look at each other and that’s all. That is how close two people are when they love each other.

‘MORAL’ said the saint:

‘When you argue do not let your hearts get distant, do not say words that distance each other more, else there will come a day when the distance is so great that you will not find the path to return!’

24/12/2021

THE GREATEST THINGS IN LIFE.

The Greatest Puzzle : Life
The Greatest Thought : God
The Greatest Mystery : Death
The Greatest Mistake : Giving Up
The Greatest Need : Common Sense

The Greatest Invention of the Devil : War
The Greatest Secret of Production : Saving Waste
The Greatest Bore : One who keeps talking after he has made his Point
The Greatest Comfort : The knowledge that you have done your work well

The Greatest Sin : Fear
The Greatest Blessing : Good Health
The Greatest Law of Nature : Cause and Effect
The Greatest Gamble : Substituting Hope for Fact
The Greatest Joy : Being Needed

The Greatest Opportunity : The Next One
The Greatest Victory : Victory over Yourself
The Greatest Handicap : Egotism
The Greatest Loss : Loss of Self-Confidence
The Greatest Waste : All the Talent and Ability that most of us have but never quite get around to using it

The Greatest Thing in Life, bar none, in the World : Love. Love for Family, Home, Friends, Neighbors and People around you. And Love for the land in which we enjoy our Freedom.

22/12/2021

Copied.
END OF YEAR PERSONAL RETREAT.
End of the year is here. Interestingly, while others are celebrating, few others make out time to have sober reflection over how they lived their lives throughout the year and plan for the year coming.
A personal retreat is a time you spend alone with God for review.

Talking about how to embark on a personal retreat, If you have the resources to travel to a suitable place, ie Guest House, country home... is alright.

However, if you have a room, you can lock yourself in there. Just find somewhere to stay and flog it out with destiny.

There is corporate retreat, family retreat and personal retreat.

Your personal retreat should start with thanksgiving and then self appraisal. Appraisal here entails that you review your life throughout the year and be honest in your feedback.
1. SPIRITUAL GROWTH and Progress
Access your level of spiritual growth throughout the year and be honest to record where you didn't do well and where you need to improve.
2. LEVEL OF MENTAL TRANSFORMATION.
Have I sustained superior beliefs? Am I still having old limiting beliefs? Have I matured spiritually? These are some questions you should answer.
3. HEALTH
Access your health in 2021. How did I eat? Were you careless with my health? How many times did you fast? Did you spend more money on luxurious than health? You will die the death of a fool if you don't start paying attention to your health.
4. FINANCIAL PROGRESS
Did you make financial progress? Write down your financial mistakes in 2021 and learn from them so as not to repeat them.
Financial progress is important as it will give you liberty to serve God in peace.

5. YOUR PURPOSE AND DESTINY
There is timing to destiny and you should contend for speed to fulfill destiny if you are behind schedule.

He said that when you are between ages zero to 25, you are in your morning season; between ages 26 to 50 is afternoon season; between ages 51 to 75 is evening season while from age 76 and above is night season.

You should know what season you are in so that you can take your life more seriously so as to fulfill purpose and destiny.

6. RELATIONSHIPS
Review your relationships. You can have advantageous connections through RELATIONSHIP. Network with the like minds and take them respectively serious.
7. CAREER ASSESSMENT.
Review your career for the year. What you failed to do, and how to improve and adopt new strategies.

BXC Firm

05/02/2022

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12/01/2022

10/01/2022

04/01/2022

28/12/2021

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