Young? Self-employed? Retirement planning is for you too

Retirement may feel like a distant concern when you are young, building a career, growing a business or juggling the demands of everyday life.

This week, this point of view discussed at length at the Nation Media Group Pensions Conference and Expo. The event which brought together players from Kenya’s pensions industry, subject matter experts and members of the public to discuss the future of retirement planning.

The discussions were insightful, but what stood out were practical questions about how much to save, where to start, whether savings would be enough and how to plan for retirement without a regular salary or formal employment.

These questions highlight a reality: retirement planning is not just for older people or for the employed people. It is for the young professional starting out, the entrepreneur building a business, the self-employed person with an irregular income and anyone who hopes to enjoy financial security later in life.

I thought it would be useful to revisit some of the questions raised at the conference and unpack a few key points. Because while retirement may be many years away, the decisions we make today can have a significant impact on the choices we have tomorrow.

Retirement planning is for employed people.

No. Retirement planning is for everyone. As long you are alive, then you will age and you will not be able to do as much as you could when you were younger. So, whether employed or self-employed, we all go through the same ageing process, and a time will come when you retire or step away from active work. However, even with retirement, your bills and financial responsibilities do not retire. They still need to be paid.

And this is why putting away some money when you are actively working so that that money can sustain you when you retire is important. And again, this should be done by all whether employed or self-employed. Yes, it may be easier for those employed, because they have a regular income and many employers today have set up pension schemes for their employees.

For the self-employed, and even for those employed but have no pension scheme, the first thing to do is open a personal pension account from an insurance company and contribute towards it as best as you can. If your income is not regular, the same way you plan for school fees or other recurrent expenses, like shopping, rent, transport, pension too should have a share. There is no penalty if you do not save monthly, the important thing is that you keep putting some money in the pension plan.

How will I know how much I have saved?

You will receive an annual statement that shows you how much you have contributed and what interest you have earned. Most insurance companies today have online portals and Apps where you can check your statement real time.

What goal should I work towards when saving for my retirement?

There is no magic number. Your retirement saving goal should be guided by your current lifestyle or the lifestyle you wish to lead in retirement. The amount should be able to cover for your daily living expenses, including rent, food, transport, entertainment, medical and other costs.

As a young person, I am not concerned about retirement

All those people who are retired today, were once young. Today, you are in your twenties, but 10 years ago you were in your teens. As stated earlier, if you are alive, ageing is inevitable. As soon as you can make some money, put a few coins aside for retirement.

Let us do a practical example. Alice is 25 she has just started her first job and is saving Ksh5,000 per month. Using Kenya’s retirement age of 60, she has 35 years to save. That means Ksh5,000 for 12 months over 35 years, that comes to Ksh2.1million. If we use an assumed interest rate earned on her savings year-on- year of 10% over that period, Alice will have Ksh19million in her retirement fund.

Now let us take, Susan who is 35 when she decided to start saving Ksh5,000 towards her retirement. She has 25 years to save a total of Ksh1.5million and with the interest rate of 10% her kitty at retirement is Ksh6.6million. A whopping Ksh12.4million difference.

There will be people to take care of me when I am retired.

We have to accept the fact that the society has changed. Your children are not a plan as they too will have their own living expenses, the government cannot sustain you. It is therefore important to plan and have something that can sustain you financially.

What happens if I die before I retire?

When opening a personal pension plan, you will be required to fill in a form that will state who will receive your benefits if you die before you retire.

Life without innovators

Have you ever imagined what life would be like without innovators? What would our daily experiences look like if nobody had ever challenged existing practices, questioned conventional methods or thought of better ways of doing things?

Think about how we connected with friends and loved ones two decades ago and fast-forward to the present time. The emergence and proliferation of social networking platforms, particularly Facebook, now owned by Meta, have significantly transformed the way we communicate and interact in the social sphere. What once required physical visits, handwritten letters or expensive telephone calls can now happen within seconds, irrespective of geographical boundaries. The evolution of smartphones, instant messaging and video-calling applications has further accelerated this transformation, making communication faster, more accessible and increasingly convenient.

How about the proliferation of financial technology companies (Fintechs), which have modified and simplified the way we conduct transactions and engage in financial activities? Today, transferring money, paying bills and managing financial activities can be done conveniently from our mobile devices.

These transformations did not happen by accident. They are products of innovative thinking, the ability to identify gaps in existing systems and the courage to create better alternatives.

Innovators are simplifiers and solution providers who, through vision, creativity and resourcefulness, make life easier, improve existing practices and create possibilities where others see limitations.

Innovation is not necessarily about inventing something entirely new. Sometimes, it is about improving what already exists, eliminating unnecessary processes or making an existing service more accessible, affordable and efficient.

WHAT INNOVATORS DO

1. They reduce time

Time is one of the most precious and valuable assets available to humanity. One of the greatest contributions of innovation is its ability to reduce the time required to accomplish tasks.

Imagine life without the invention of a washing machine. The time and physical energy required to wash clothes manually would be enormous. Today, a washing machine accomplishes in a relatively short period what might otherwise take hours.

Consider transportation, communication and workplace operations. Activities that previously required several days can now be completed within minutes through digital platforms and automated processes.

In business, saving time translates into increased productivity, improved service delivery and better resource management. An entrepreneur who discovers a way to help customers achieve the same result in less time has identified an opportunity worth exploring.

2. They reduce waste

Innovation is not always about technology or digital footprints. It can simply be the application of common sense or collective intelligence to making a difference.

Waste comes in different forms. It includes wasted time, materials, money, energy and human effort. Innovators recognise that resources are limited and seek ways to maximise their usefulness.

The concept of a circular economy is a testament to this thinking. Rather than following the traditional model of producing, consuming and disposing, a circular economy encourages the reuse, repair, refurbishment and recycling of materials.

A manufacturing company that converts production waste into useful raw materials for another process is demonstrating innovation. Similarly, a fashion entrepreneur who transforms discarded fabrics into marketable products is creating value from what others might consider useless.

Innovation challenges the assumption that something has lost its value simply because it has served its initial purpose.

3. They simplify processes and create value

Complexity often creates frustration, delays and unnecessary expenses. Innovators examine complicated processes and ask how they can be made easier.

Consider the process of opening a bank account, making payments or registering for a service. Activities that once required physical presence, paperwork and long queues can now be completed through digital platforms.

However, simplification is not restricted to technology. A school administrator who reorganises registration to reduce parents’ waiting time is innovating. A business owner who introduces a more efficient inventory system is equally demonstrating innovative thinking.

The ultimate goal is not to make things complicated to appear sophisticated, but to achieve better results with less effort and fewer resources.

THE ROLE OF CREATIVITY, COMMON SENSE AND CRITICAL THINKING IN INNOVATION

Innovation thrives on the interaction of three important intellectual abilities: creativity, common sense and critical thinking. Although they serve different purposes, their combined application provides a strong foundation for developing practical solutions.

Creativity: Imagining possibilities

Creativity is the ability to think beyond existing boundaries, generate new ideas and imagine possibilities that may not be immediately obvious to others. It encourages us to challenge conventional thinking and ask questions such as: Why must we continue doing things this way? Is there another approach? What if we combine existing ideas to create something better?

Consider the development of smartphones, which brought communication, photography, navigation, entertainment and computing together in one device. Such possibilities required imaginative thinking.

However, creativity alone does not constitute innovation. A brilliant idea that is never translated into something useful remains an idea. Creativity generates possibilities, while innovation converts those possibilities into practical solutions.

Common sense: Recognising practical possibilities

While creativity encourages us to think differently, common sense helps us recognise what is practical, reasonable and necessary.

Sometimes, the greatest innovations do not emerge from sophisticated laboratories or expensive research facilities. They come from ordinary people who observe everyday challenges and apply simple reasoning to solve them.

Imagine a market trader who spends hours searching through handwritten records to identify outstanding customer payments. Introducing a well-organised record book or spreadsheet can save time, reduce errors and improve accountability.

There may be no sophisticated technology involved, but the improvement is significant.

It is important to understand that common sense is not necessarily creativity, and creativity is not necessarily common sense. An idea may be creative but impractical, while a common-sense solution may be simple without being particularly original. Their combination, however, can produce meaningful improvements.

Critical thinking: Evaluating possibilities

If creativity helps us imagine possibilities and common sense helps us identify practical solutions, critical thinking helps us evaluate those possibilities and determine the best course of action.

Critical thinking involves examining information objectively, questioning assumptions, analysing situations and making informed decisions based on evidence and logical reasoning.

Not every idea is a good idea, and not every problem requires an entirely new solution. Sometimes, what appears to be a problem may only be a symptom of a deeper issue.

For instance, a business experiencing declining sales may conclude that it needs more advertising. However, critical thinking may reveal that the actual problem lies in poor product quality, pricing or customer service. Investing heavily in advertising without addressing the underlying problem may only increase expenditure without producing the desired results.

Critical thinking therefore prevents innovators from investing resources in the wrong solutions. It encourages experimentation, evaluation and continuous improvement. Innovators must be willing to test assumptions, learn from failure and modify their approaches when necessary.

In entrepreneurship, this ability is particularly important because resources are often limited. Entrepreneurs must carefully evaluate opportunities, assess risks and determine which ideas are worth pursuing.

Ultimately, creativity generates ideas, common sense identifies practical possibilities, and critical thinking evaluates and refines them. Innovation brings these abilities together to create solutions that make a difference.

CONCLUSION: A WORLD THAT NEEDS INNOVATORS

Life without innovators would be characterised by repetitive processes, avoidable difficulties and limited possibilities. Many of the conveniences we enjoy today would not exist if individuals had not dared to question existing practices and develop better alternatives.

Innovation is not reserved for technology companies, multinational corporations or individuals with enormous financial resources. It is a mindset that can be cultivated by anyone willing to identify problems, think creatively, exercise sound judgement and take practical steps towards solving them.

You do not necessarily need to invent the next big technology to become an innovator. You may simply need to improve a process, eliminate waste, save someone time or make an everyday activity easier.

Ultimately, the value of innovation is not measured by how complicated an idea appears, but by the difference it makes in people’s lives.

Innovators do not merely imagine a better world; they take responsibility for making it possible.

The Corruption We Keep Financing Every Election

A contractor friend once explained to me how the standard operating procedure system works. Before a government project even begins, a percentage of the contract price may already be committed to people who helped facilitate it. He described a system where 20 to 30 percent can go to commissions and kickbacks.

Imagine a P1-billion infrastructure allocation. At 20 percent, that’s P200 million potentially diverted before a single road is completed. Not every project is corrupt, but we would be foolish to pretend this arrangement doesn’t warrant serious investigation.

What bothers me even more is how this money can find its way back into politics.

Elections are expensive. Politicians need campaign funds. Contractors want government projects. And when both sides depend on each other, we create a vicious cycle that rewards corruption and keeps the same political machinery in power.

The irony is that campaign donations are already legal in the Philippines. Individuals and qualified domestic corporations can contribute, subject to restrictions. Government contractors are prohibited from doing so. Yet we continue to hear allegations of money changing hands through intermediaries and undisclosed arrangements.

Meanwhile, our election laws still limit most congressional candidates to spending just P3 per registered voter. Does anyone seriously believe a candidate can run a credible campaign today on that amount?

We have practically built a system where the rules are disconnected from reality, while the temptation to cheat is enormous.

I believe we should allow candidates to raise legitimate campaign funds openly, subject to reasonable donation limits. Update the spending ceiling to a realistic P30 per registered voter. Encourage ordinary citizens to contribute, even just P100-P500, so candidates need not depend entirely on wealthy political financiers.

But every peso must be accounted for. Require dedicated campaign accounts; publish contributions and expenditures within 48 hours; identify corporate donors and their beneficial owners; cross-check donor records against government contractors and procurement awards; and impose serious penalties on those who disguise kickbacks as political contributions.

We already have much of the technology and legal infrastructure to do this. What we lack is the political will to connect the systems and enforce the rules.

This is why I am proposing a political finance integrity and anti-kickback act. It will not eliminate greed or corruption overnight, but it can make legitimate campaign financing easier and public accountability much stronger.

If politicians need money to get elected, let them ask the people for support. Stop making taxpayers finance their reelection through overpriced government projects.

We should demand this reform before the next election.

INEC, Purge The Register Before It Is Too Late

A face that belongs to no one should not choose who governs Nigeria. When the Independent National Electoral Commission announced that it would embed artificial intelligence in the conduct of the 2027 elections, eyebrows were raised. Who would regulate INEC’s use of a technology so powerful and so open to abuse? The commission offered assurances. The fears remained.

With the display of the preliminary voters’ register, those fears are becoming manifest. Barely a month after INEC announced that its register had crossed 103 million names, Nigerians scrolling through it found faces that did not look human. Faces with the unmistakable sheen of artificial intelligence.

INEC first called them ‘suspected’ images and said the online register did not reflect ongoing data clean-up. Three days later, its own Director of ICT, Lawrence Bayode, went further. Some registration officers, he said, had used their official logins to add questionable records in several states. Some of the photographs were AI-generated. Others reflected ‘very bad registration.’

That is not a rumour from a partisan blogger. That is an admission from inside the commission.

And it raises questions INEC has not yet answered. How many records were added this way? In which states and wards? Which officers did it, and on whose instruction? Will they be prosecuted?

Silence on these questions is not an option. The commission plans to certify the final register on December 15. Once that happens, every fake name on it becomes a legal entry, a ballot waiting for a hand. The window to clean the register is not months. It is weeks.

But care is needed. Social media is awash with figures: 20 million AI voters, even 50 million. None of these numbers has come with a method, a sample or a single verifiable dataset. Inflated claims do the riggers’ work for them. They tell the young voter in Gombe or Ogbomoso that his vote is already stolen, so why bother? A demoralised electorate is the easiest one to defeat.

The truth is serious enough without exaggeration. INEC has admitted that insiders manipulated the register. The scale is unknown. That alone should alarm every Nigerian, whatever their party.

It should also alarm INEC, because the commission’s credibility is its only real asset. Its chairman, Professor Joash Amupitan, has said that ‘algorithms will not and must never decide the 2027 votes.’ But Nigerians will judge the commission by what it does before December 15, not by what it says at conferences.

So what must INEC do?

First, publish the numbers. The commission says its Automated Biometric Identification System flagged the irregularities. Then it knows how many records were flagged. It should publish that figure, broken down by state and local government, and update it weekly until certification.

Second, purge the fakes in public view. Every record removed should be listed, with the reason for removal: duplicate, deceased, underage, fabricated image. Political parties and accredited observers should be invited to witness the process and test the results.

Third, hand over the register. The Electoral Act entitles political parties to copies of the voter register. INEC should release the cleaned version early enough for parties, civil society and the media to audit it before certification, not after.

Fourth, name and sanction the officers involved. If staff used official logins to plant fake voters, that is not ‘very bad registration.’ It is an electoral offence, and it should be prosecuted as one.

Fifth, extend the timeline if necessary. If the clean-up cannot be completed credibly by December 15, INEC should say so and adjust. A delayed, clean register is better than a punctual, poisoned one.

INEC cannot do this alone, nor should it be trusted to.

The National Assembly’s committees on electoral matters must summon the commission and demand a full account of every AI system it uses: what it does, who supplied it and who audits it. The question Nigerians asked at the start remains unanswered: no law today regulates how INEC deploys artificial intelligence. That gap must be closed by regulation before the election, not by apology after it.

Political parties must stop treating the register as INEC’s business alone. Every party has agents in every ward. Let them check the names against the people they know.

And the media must do what journalism exists to do: verify. Pick the wards. Find the names. Photograph the faces. Report what is proven, and label what is not.

Ordinary citizens have a role too. Check your own details on the register. Report entries you know to be false. Collect your PVC. On election day, stay to watch the count and photograph the result sheet at your polling unit.

A fake name in the register does not steal an election by itself. Someone still has to vote it, and that vote must still survive the collation centre. But the register is the foundation. Build the election on a corrupted list, and every result that follows will carry a question mark.

Nigeria has been here before. Ghost workers on the payroll. Ghost beneficiaries in social investment programmes. Now the ghosts have learned to use artificial intelligence.

The farmer who will walk two kilometres to vote in January deserves to know that his ballot will be counted alongside real neighbours, not invented ones. That is the least a democracy owes him. INEC has six weeks. It should use every one of them.

Africa must ensure AI strengthens journalism, not undermine it

Artificial intelligence (AI) is transforming journalism, presenting opportunities to improve reporting while creating new threats to information integrity, journalists’ jobs and media freedom. Africa cannot afford to approach this transformation as a purely technological question. We must also consider who benefits, who bears the risks and what it means for the future of independent journalism.

As Federation of African Journalists (FAJ), our position is that AI must serve journalism, not undermine it. Its adoption must strengthen quality reporting, protect journalists’ rights and uphold the public’s right to reliable information.

This was also the central message of our continental dialogue in Addis Ababa on October 24 and 25, 2026, where journalist leaders engaged representatives of the African Union Commission, UNESCO, the International Labour Organization (ILO) and the European Union on responsible AI, decent work and media freedom.

Our discussions reinforced an important truth: we cannot secure quality journalism without decent working conditions, nor defend media freedom while ignoring the conditions under which journalists work.

Across Africa, journalists continue to face low or delayed wages, insecure employment, inadequate contracts, limited social protection and pressure on editorial independence. These are not simply labour concerns. They affect the quality, credibility and independence of the information available to the public.

When journalists are poorly paid, overworked or vulnerable to dismissal, their ability to resist political and commercial pressure is weakened. When newsrooms lack the resources to investigate, verify information and hold power accountable, misinformation and disinformation find fertile ground.

AI presents genuine opportunities. It can support research, translation, transcription, verification and data analysis, helping journalists work more efficiently and reach wider audiences. However, the same technology can generate fabricated images, clone voices, impersonate trusted sources and spread misleading content at extraordinary speed.

The danger is that AI could deepen existing problems if media organisations introduce it primarily to cut costs, reduce staffing and maximise profits. Technological progress should not come at the expense of professional journalism or the livelihoods of those who produce it.

Journalists must therefore be involved in shaping how AI is adopted in their workplaces. Media organisations should develop clear policies in consultation with journalists and their unions, addressing transparency, accountability, source protection and editorial independence. Human judgement must remain central to decisions affecting the public.

Employers must not use automation as an excuse to evade their labour obligations. Where AI changes jobs and working arrangements, journalists deserve meaningful consultation, skills development and respect for their rights. Productivity gains should not benefit employers alone while workers absorb the costs.

This is why collective bargaining and social dialogue are essential. Governments, employers and workers must negotiate how AI is introduced, how its risks are managed and how its benefits are shared. Trade unions must also adapt their organising strategies to reach freelancers, digital journalists and other workers who are frequently excluded from traditional employment protections.

FAJ’s recent continental survey on journalists’ working conditions, safety, labour rights and media freedom provides an important foundation for this advocacy. It gathered responses from 1,586 journalists across 45 African countries, offering evidence to support engagement with media owners, governments and regional institutions.

These findings must translate into practical reforms, including fair remuneration, enforceable employment rights and social protection that reflects the realities of journalism, including freelance and digital work.

We must also recognise that journalists cannot produce quality journalism when they work under constant threat. Physical attacks, legal harassment and intimidation continue to undermine reporting across Africa. Women journalists face additional challenges, particularly online, where sexualised abuse, threats and coordinated harassment are used to silence them.

Governments must investigate attacks and end impunity. Media organisations must strengthen safety systems, while digital platforms must respond effectively to targeted abuse without suppressing legitimate journalism or dissent. African AI governance frameworks must protect freedom of expression, privacy, access to information and journalists’ safety.

Africa must also have a meaningful voice in shaping global AI governance. The African Union and regional economic communities should ensure that journalists and their representative organisations participate in developing policies that reflect the continent’s realities and uphold fundamental rights.

The advocacy action plan adopted in Addis Ababa gives FAJ and its affiliates a basis for advancing these priorities through engagement with African institutions, UN agencies, organised labour, human rights organisations and other partners.

But an action plan is only the beginning. Its value will be measured by whether it produces tangible improvements in journalists’ working conditions, safety and independence.

Our message is straightforward: AI should complement human judgement, not replace journalistic responsibility. It should strengthen access to credible information, not accelerate deception. It should improve working conditions, not deepen insecurity.

The future of African journalism will not be secured by technology alone. It will depend on whether we protect the people who gather, verify and report the information our societies need.

Responsible AI, decent work and media freedom are inseparable. Africa must ensure that its technological transformation strengthens all three.

FCT Residents Lament Impact Of Extreme Heat

Residents and business owners in the Federal Capital Territory (FCT) say extreme heat is harming their health, raising household expenses and disrupting businesses and livelihoods.

The residents, who spoke with the News Agency of Nigeria (NAN), said the intense heat had increased their dependence on electricity, water and other cooling measures, while inconsistent power supply made coping more difficult.

They said the situation had resulted in food spoilage, increased operating costs, changes in working hours and health-related discomfort, particularly among households and people whose occupations exposed them to direct sunlight.

The Nigerian Meteorological Agency (NiMet), in an Oct. 23 advisory, had warned Nigerians to prepare for hotter days, increased heat discomfort, dust and possible water scarcity as the country transitions from the rainy to the dry season.

The agency identified dehydration, heat exhaustion and heatstroke among the health risks associated with excessive heat, warning that prolonged exposure could affect people’s health and productivity.

To reduce heat-related risks, NiMet advised Nigerians to drink water regularly, wear lightweight and breathable clothing, and limit prolonged exposure to direct sunlight, particularly during the hottest hours of the day. (NAN)

It also recommended scheduling strenuous outdoor activities for cooler periods.

In Sokale community, Bwari Area Council, Mrs Patient Ndidi said coping with the heat had become an additional financial burden, particularly as a mother trying to keep her children comfortable while managing household expenses.

‘The sun was so intense that it felt as though it was draining my blood.

‘Even when the children returned from school, I had to tell them to go and take their baths because the heat was so much,’ she said.

Ndidi said the situation had increased her household’s electricity consumption because the family needed to run its fans for longer periods whenever power was available.

‘We use more units now because whenever there is electricity, we tend to leave the fan on throughout the day.

‘As a result, we are constantly recharging our prepaid meter,’ she said.

She explained that inconsistent electricity supply had also made food preservation difficult, as cooked meals could easily spoil during prolonged power outages.

According to her, foods such as egusi and groundnut soup, beans and other cooked meals were particularly difficult to preserve, forcing her to prepare smaller quantities that could be consumed at once.

She said the adjustment had increased the frequency of cooking and sometimes resulted in food wastage, additional expenses and stress.

Ndidi added that when electricity was unavailable, members of her household sometimes poured water on their bodies for temporary relief.

‘Actually, it has not helped us at all because once there is no electricity, you return to square one,’ she said.

She called on the government to improve electricity supply and consider reducing electricity tariffs to ease the financial burden on households.

Similarly, Mr John Anthony, a resident of Kubwa, said coping with the heat was more challenging at home than in his workplace, where air-conditioning provided a comfortable environment.

‘Office is not a problem at all; there is AC, so everywhere is always cool until we go home,’ he said.

Anthony said his family sometimes opened their windows and doors to improve ventilation, while drinking sufficient water to cope with the heat.

He, however, urged the government to ensure stable electricity supply to enable residents to use cooling appliances.

‘Government should please help us to ensure there is stable light so that we will be able to cope and it will reduce it,’ he said.

Another Kubwa resident, Mr Ignatius Ikechukwu, a Point of Sale (POS) operator who works under the sun, described coping with the heat as challenging.

He said drinking sufficient water was his major strategy for managing the situation while carrying out his daily activities.

‘I do not joke with water at all,’ he said.

The effects of the extreme heat have also extended to traders and other business owners, particularly those dealing in perishable goods and products requiring refrigeration.

In Jikwoyi, Miss Lovina Obiyi, a trader dealing in provisions, foodstuffs and poultry, said the excessive heat had resulted in the loss of considerable quantities of poultry.

‘We specialise in provisions, foodstuffs and poultry.

‘Due to the heat, we have lost quite a good amount of chickens and turkeys to the point that we need to open the place for ventilation,’ she said.

Obiyi stated that the heat had also influenced consumer preferences, increasing demand for cold drinks and frozen food products.

‘There is a rise in the purchase of cold things. Nobody buys normal temperature water; it has to be cold water.

‘When it comes to foodstuffs, people prefer frozen food rather than smoked ones,’ she said.

She explained that while perishable products were preserved in freezers, tomatoes and peppers were kept in open spaces to allow ventilation, adding that goods that could no longer be salvaged were discarded.

According to her, the heat had reduced profit margins because some food items ripened faster than expected, resulting in losses.

‘The heat affects a lot of things. Profit margin is low because things get spoilt a lot.

‘When you keep plantain, they all get ripe at once. There is a lot of loss and risks now due to the heat and also the death of livestock,’ she said.

Obiyi added that the heat had also affected her personal comfort, causing heat rashes and making it difficult to sleep without a fan.

Mr Chimezie Samuel, a business owner in Dutse, said the increased demand for cold drinks and other chilled products had created additional pressure on his business because of unreliable electricity supply.

He said customers seeking relief from the heat sometimes could not find cold drinks when power was unavailable.

Although he had not recorded significant losses from spoiled goods because most of his products were not highly perishable, Samuel said maintaining adequate cooling remained a challenge.

He disclosed that he had invested more than N1.7 million in a solar power system to keep his business running despite electricity challenges.

He urged the government to improve electricity supply, noting that the effects of extreme heat extended beyond business operations to residents’ ability to rest comfortably after work.

He also highlighted the importance of adequate water supply, saying electricity challenges could affect access to water and make coping with the heat more difficult.

For Mr Henry Chinonso, a welder and fabricator, the heat had forced changes in working hours to reduce exposure to direct sunlight.

‘I come out in the morning. I rest immediately it is 12 o’clock during the hot weather. When the heat reduces, then I will start again,’ he said.

Chinonso said he and his workers now suspend activities during the afternoon and resume in the evening when temperatures become more bearable.

He expressed concern that prolonged periods of extreme heat could affect work schedules, reduce customer patronage and slow productivity.

He identified adequate shade as one of the measures that could help outdoor workers cope with the situation.

Beyond its economic consequences, extreme heat has also raised concerns among residents and healthcare workers over its possible effects on health.

Mr Jeffrey Onu, a nurse at Olohi Gocho Pharmacy, Sokale, said some people visiting the facility had complained about the hot weather.

He advised residents to drink sufficient water regularly, get adequate rest and maintain good personal hygiene to reduce the risk of heat-related health problems.

Onu also urged people to avoid prolonged exposure to direct sunlight during the hottest hours of the day, and to seek shade or remain in cool, well-ventilated places whenever possible.

He further advised residents experiencing skin irritation to avoid scratching affected areas and using harsh creams or skincare products that could worsen the condition.

‘My advice is that in this hot weather, people should drink enough water and take their rest.

‘Excessive heat causes a lot of sicknesses in the human system, some of which may not even be detected on time,’ he said.

Ms Tope Ayoola, another FCT resident, said the intense heat had left her exhausted, caused excessive sweating and made it difficult to sleep comfortably at night.

‘The heat is too much. It makes me feel tired and weak. I sweat a lot and I can’t sleep well at night,’ she said.

Ayoola said she coped by drinking more water, staying indoors during the afternoon and taking cold baths.

She added that she had experienced headaches and heat rashes, which she attributed to the excessive heat.

Similarly, Ms Tolu Idayat said the hot weather had affected her concentration and productivity, sometimes leaving her with headaches and tiredness.

She said she coped by drinking plenty of water, wearing light clothing and bathing regularly.

Idayat appealed to the government to improve electricity supply and access to clean water, while creating public awareness on measures residents could adopt to protect themselves from excessive heat.

Mr Israel Bulus, a resident of Apo, described the hot weather as a seasonal experience to which residents had continued to adapt.

He said he sometimes took baths up to three times at night to obtain relief from the heat, adding that he remained concerned about its possible health implications.

Across the communities, residents called for improved electricity and water supply, saying reliable access to both services would reduce the financial pressure on households and businesses while making it easier to cope with extreme temperatures.

Kyari warns opposition against politicising 2027 food insecurity projection

The Minister of Agriculture and Food Security, Senator Abubakar Kyari, has cautioned opposition politicians against turning the October 2026 Cadre Harmonisé food security assessment into political propaganda.

Kyari said the projection that 33.5 million Nigerians could face severe food and nutrition insecurity between June and August 2027 should not be interpreted as a consequence of President Bola Tinubu’s re-election or continuation in office.

The minister, in a statement issued on Monday, described attempts by some opposition voices to politicise the assessment as unfortunate, insisting that the report was a technical early-warning instrument rather than an election forecast.

He explained that the Cadre Harmonisé was developed by the Permanent Inter-State Committee for Drought Control in the Sahel (CILSS), in collaboration with regional and technical partners, including the Food and Agriculture Organisation (FAO), World Food Programme (WFP), FEWS NET, UNICEF and the Integrated Food Security Phase Classification (IPC).

According to him, the assessment is designed to identify food and nutrition security risks and enable governments and development partners to respond promptly.

Kyari noted that the projected figure of 33.5 million represented a decline from the 34.8 million projected for the corresponding period in 2026.

He, however, explained that the assessment framework does not conduct retrospective evaluations after the projected period to establish whether the initial projections were accurate.

The minister identified climate change, inconsistent rainfall, prolonged dry spells and the Super El Niño phenomenon as some of the major factors contributing to food and nutrition insecurity, noting that these developments had disrupted weather patterns, planting seasons and agricultural production.

He maintained that the challenges were not consequences of the continuation of any particular political administration.

Kyari said the Federal Government, under President Tinubu, was responding to the identified risks through expanded access to fertilisers and other farm inputs, increased mechanisation, irrigation and dry-season farming, improved agricultural financing, investment in storage and processing facilities, and the promotion of climate-resilient agriculture.

He also highlighted improved security in several farming communities, which he said had enabled farmers who previously could not access their farmlands to return to cultivation.

The minister specifically cited Marte and Guzamala in Borno State, which were previously inaccessible to data collectors but have experienced improved stability, allowing the Cadre Harmonisé assessment to be conducted in the areas.

He further listed progress in fertiliser distribution and local blending, support for smallholder farmers, mechanisation partnerships, expansion of dry-season farming and strengthened agricultural financing through the Bank of Agriculture as part of the government’s interventions.

While acknowledging that the measures would not resolve all the country’s food security challenges overnight, Kyari described food insecurity as a longstanding structural problem that had developed over several years and predated the present administration.

He, however, insisted that agriculture had recorded significant progress since Tinubu assumed office.

‘As Minister, I accept the responsibility that comes with this challenge. When the data identifies a risk, our duty is to act on it, not to hide from it,’ he said.

The minister urged political actors to exercise caution and responsibility when interpreting food security data, warning against exploiting the difficulties faced by millions of Nigerians for political gains.

He said the government welcomed scrutiny and constructive criticism but maintained that there was a difference between legitimate political debate and the deliberate misrepresentation of technical assessments for electoral propaganda.

Kyari assured that the government would continue to use the findings of the Cadre Harmonisé assessment to strengthen agricultural interventions, support farmers, protect livelihoods and improve access to safe, nutritious and affordable food.

Tinubu’s wife empowers 500 market women in Cross River

Nigeria’s First Lady, Senator Oluremi Tinubu, through the Women Mobilisation Directorate of the All Progressives Congress (APC) Presidential Campaign Council, has empowered 500 market women, artisans and petty traders in Cross River State.

The empowerment exercise, which took place in Calabar, was part of the directorate’s grassroots engagement ahead of the 2027 general elections.

The Co-Director of the Women Mobilisation Directorate, Dr Betta Edu, who led the outreach, said the beneficiaries received cash grants and working tools to enable them to expand their businesses and improve their livelihoods.

The beneficiaries received deep freezers, blenders, toasters and varying amounts of money, with some petty traders receiving N50,000 to boost their businesses.

Edu said the intervention was particularly targeted at women operating small businesses with limited capital.

‘We have not come empty-handed. We have come with different categories of empowerment,’ she said.

Edu added that some beneficiaries had been operating with capital as low as N5,000 or N10,000, stressing that the financial support would enable them to expand their businesses and provide better living conditions for their families.

She also highlighted some of the social and economic interventions of President Bola Ahmed Tinubu’s administration, including the student loan scheme, free maternal healthcare for pregnant women in public health institutions, subsidised renal dialysis and initiatives providing free eyeglasses to vulnerable Nigerians.

According to Edu, the APC women mobilisation team would extend the empowerment programme to other parts of Cross River State, with Ugep in the Central Senatorial District scheduled to benefit between November and December, while the Northern Senatorial District would be reached in January.

As part of the outreach, the delegation also visited the General Hospital, Calabar, where it inspected the facility, provided care packages and settled medical expenses for vulnerable patients in the maternity and surgical wards.

The hospital administrator, Mrs Bassey Effiong Ephraim, expressed appreciation for the intervention and disclosed that efforts were ongoing to recruit additional medical doctors and nurses to strengthen healthcare delivery.

One of the beneficiaries, Mrs Esther Bassey, a widow and mother of three from Odukpani Local Government Area, commended the initiative, saying empowerment programmes had helped vulnerable families sustain their livelihoods.

Meanwhile, the women mobilisation exercise also featured a strategic meeting with APC women leaders and supporters in the state, where they were urged to take the party’s campaign to the grassroots ahead of the 2027 elections.

The wife of the Cross River State Governor, Bishop Eyoanwan Bassey Otu, charged the women to set aside their grievances and return to their respective polling units to mobilise support for President Tinubu, Governor Bassey Otu and other APC candidates.

She urged them to translate their support for the party into actual votes, challenging each woman to mobilise between 100 and 200 votes at her polling unit.

‘Go back to your polling unit and go and gather your people, beginning with your women, who will be your foot soldiers. Once you gather them, let them begin to canvass door to door, church to church, prayer meeting to prayer meeting, and market to market,’ she said.

The meeting was attended by Dr Edu, female APC candidates, commissioners, local government chairmen and their wives, former commissioners, party leaders and other political stakeholders.

The women pledged their support for the Tinubu-Otu ticket and other APC candidates ahead of the 2027 general elections.

Why Moscow should be on your travel bucket list

Moscow has a way of surprising you. Beyond the fashion shows, designer collections and stylish crowds, there is a city filled with breathtaking architecture, fascinating history, excellent food and shopping experiences worth making time for.

I was in Moscow recently for Fashion Week and The BRICS+ Fashion Summit, and while the runway was the main reason for my visit, it was the daily strolls from our hotel to the show venues that gave me a closer look at the city. Sometimes, the best way to discover a destination is to simply step outside and let the streets lead you somewhere interesting.

I have always maintained that Moscow is underrated. It may not be the first destination that comes to mind when people talk about beautiful cities to visit. Still, there is something about its grand buildings, expansive public spaces and mix of old-world charm and modern living that makes it unforgettable.

Start with Red Square

If there is one place you must see when visiting Moscow, it is Red Square. The historic square sits at the heart of the city and brings together some of its most recognisable landmarks, including the colourful domes of St Basil’s Cathedral, the Kremlin walls and the State Historical Museum.

Walking through the square feels like stepping into a postcard. The architecture is impressive, and there is plenty to take in, whether you are interested in history, architecture or simply finding a beautiful spot for your Instagram content.

Right beside the square is GUM, the historic luxury department store whose elegant shopping arcades are an attraction in their own right. Even if luxury shopping is not on your itinerary, the building is worth exploring for its architecture, impressive interiors and the range of stores inside.

One of my favourite experiences, however, was catching the sunrise with friends at the Zaryadye floating bridge. The bridge extends out over the Moskva River, offering sweeping views of the city and its landmarks. Watching the city slowly come to life in the early morning was a lovely reminder that some travel experiences are best enjoyed before the crowds arrive.

It was one of those simple moments that stay with you long after a trip ends.

Explore the Kremlin and the surrounding sights.

You cannot visit Moscow without appreciating the Kremlin, the historic fortified complex that remains one of Russia’s most important landmarks. Its towers, walls, cathedrals and palaces tell stories of the country’s political and cultural history.

The surrounding area is equally rewarding to explore on foot. St Basil’s Cathedral is a must-see, while the nearby Alexander Garden offers a quieter place to stroll and admire the surroundings.

Depending on how much time you have, consider visiting the Bolshoi Theatre, one of Moscow’s most celebrated cultural institutions. Even from the outside, its grand façade makes an impression.

My advice is to allow yourself time to walk between these sights rather than rushing from one attraction to another. Moscow is a city that rewards curiosity, and some of its loveliest details reveal themselves when you are not in a hurry.

A little shopping along the way

Fashion Week naturally comes with an appreciation for style, so shopping was always going to be part of my Moscow experience.

Our daily walks also took us to the underground Okhotny Ryad shopping centre, near Manezhnaya Square and opposite the Four Seasons Hotel Moscow. It offered a convenient opportunity to browse shops between the fashion shows, including stores featuring Russian brands.

It was an easy way to squeeze in some retail therapy without dedicating an entire day to shopping. For anyone interested in discovering local labels, it is worth adding to the itinerary.

And if you enjoy fashion, GUM deserves a little extra time. Beyond the shopping, its historic architecture and beautifully designed interiors make it one of those places where the experience is as much about looking around as it is about buying anything.

Moscow is quietly winning me over with its food.

I will admit something: food has not always been the highlight of my travel experiences. I have visited destinations where the sightseeing was wonderful, but the meals did not quite live up to expectations.

Moscow, however, is slowly making its way onto my list of cities with some of the best food I have ever tried.

During our visit, the Fashion Fund team organized different dining experiences at restaurants across the city, allowing us to explore Moscow beyond its traditional tourist attractions. Two places stood out for me: Rubel and BURO. TSUM.

Located on the ground floor of GUM, Rubel is particularly special because of its setting. One side of the restaurant looks into GUM’s elegant shopping arcades, while the other offers views towards the Kremlin.

The restaurant brings together traditional Russian cuisine, family recipes and contemporary dining. Its name comes from a traditional wooden tool once used to press and smooth linen, reflecting the restaurant’s interest in preserving elements of Russian heritage in a fresh, modern way.

The interiors draw inspiration from Moscow’s architectural history, with striking chandeliers and carefully selected historical details. There is a sense of occasion without the space feeling like a museum.

The menu takes diners on a journey through Russia’s diverse culinary traditions, with dishes inspired by different regions and generations of family cooking. Seafood features prominently, alongside familiar Russian favorites such as borscht, pelmeni, vareniki and traditional appetizers.

There are also more inventive creations, including a Russian-inspired barley dish with prawns and imaginative desserts that reinterpret familiar ingredients.

What makes Rubel particularly worth visiting is the combination of food, atmosphere and location. After exploring Red Square and GUM, settling in for a meal overlooking one of Moscow’s most historic settings feels like a natural extension of the experience.

BURO. TSUM: Where fashion meets food

If Rubel offers a taste of Russian heritage, BURO. TSUM brings a distinctly fashionable energy to the dining experience.

Located on the fifth floor of TSUM, Moscow’s iconic luxury department store, the restaurant sits at the intersection of fashion, shopping and contemporary dining. Its location makes it a natural stop for anyone exploring the city’s style scene.

The interiors take inspiration from classic French brasseries, interpreted through a contemporary design aesthetic. The result is an elegant space that feels right at home in one of Moscow’s most recognizable fashion destinations.

The menu combines European classics with modern culinary ideas and seasonal ingredients. Dishes include crab ravioli with shrimp, veal-stuffed cabbage rolls with morel sauce and creative interpretations of familiar favorites. The breakfast menu also offers interesting options, including blini, vareniki and zucchini pancakes.

One of the restaurant’s attractions is its setting. Depending on where you sit, you can enjoy views of the surrounding city, including the area around the Bolshoi Theatre.

For fashion lovers, BURO. TSUM is an especially appealing stop. You can spend the afternoon browsing designer stores at TSUM before settling in for a meal, making it easy to combine two of Moscow’s greatest pleasures: fashion and food.

Moscow deserves more attention.

What I took away from my time in Moscow was an appreciation for a city that offers so much more than its international reputation might suggest.

There is history in its grand squares, beauty in its architecture, character in its shopping streets and a culinary scene that deserves to be explored. Even the ordinary moments, walking between fashion venues with my delegate manager, Brovkina Ekaterina, and new friends I made along this trip, stopping to admire a building or discovering a restaurant along the way, became part of the experience.

I still maintain that Moscow is seriously underrated. People do not talk enough about how breathtaking the city is, and I would encourage anyone considering a visit to look beyond the obvious itinerary.

Make time for Red Square, explore the Kremlin area, catch a sunrise from the floating bridge, browse the shops and sit down for a proper meal at Rubel or BURO. TSUM.

And most importantly, leave room for a little wandering. Sometimes, the best discoveries happen between the places you originally planned to visit.

Nuclear energy lessons from South Korea

A few decades ago, South Korea stood at a historical crossroads while grappling with a stark reality: it was a nation devoid of natural energy resources, emerging from the ruins of war, and structurally poorer than Kenya is today in both financial and human capital.

When Korea embarked on its nuclear journey by commissioning Kori Unit 1 in the 1970s, it did not let immediate limitations obscure its long-term vision.

Today, that same nation is a global nuclear powerhouse, exporting its ultra-modern APR-1400 technology to fuel nations like the United Arab Emirates through the Barakah Nuclear Energy Plant, securing billion dollar deals in the Czech Republic, and being actively invited to collaborate on building plants in the US. Currently the country has 26 operational nuclear power reactors which generate 25,609 Megawatts which is 30 percent of South Korea’s total electricity.

During the last two weeks of October, I was privileged to lead a strong team composed of representation from Kenya Electricity Generating Company PLC, Kenya Nuclear Regulatory Authority, the Ministry of Energy and Nuclear Power and Energy Agency (NuPEA) for a bilateral mission to Korea where we engaged in strategic consultations with key nuclear institutions in Korea.

The mission reaffirmed an undeniable truth: Kenya can, and must, replicate this extraordinary trajectory.

As we prepare to construct our first nuclear power plant in Siaya County starting next year, we are not merely seeking a transactional commercial purchase of a reactor. Kenya will seek to follow the Korean model of comprehensive technology transfer. This blueprint will ensure that Kenya will lead the adoption and deployment of civilian nuclear technology across Africa.

The genius of the Korean miracle lies in their meticulous, multi-decade planning process. When Korea initially imported its first turnkey nuclear technology from the US, it did so with a strict mandate for local capacity building.

They systematically unbundled the foreign technology, forcing an aggressive process of domestic learning, engineering adaptation, and relentless local innovation. Within a single generation, they evolved from technology consumers into global technology creators and exporters.

By establishing strong partnerships, such as our recent frameworks with the Korea Atomic Energy Research Institute, Kenya is replicating this exact foundational philosophy. We are designing a robust baseline where our local engineers, researchers, and project managers own the intellectual infrastructure from day one.

Nuclear power demands a unique breed of national and regional leadership. Because of its unmatched energy density, zero-carbon reliability, and complex regulatory requirements, it is a technology that completely transforms the industrial DNA of a nation.

Just as the US pioneered the foundational era of civilian nuclear energy, and South Korea refined it into an ultra-efficient, highly scalable industrial system, Kenya is positioned to provide that exact institutional leadership for Africa.

The 10 MWth Kenya Nuclear Research Reactor at Konza Technopolis – for which NuPEA was recently designated the formal Operating Organisation by the Ministry of Energy and Petroleum – will serve as the ultimate regional hub for medical research, scientific innovation, agricultural enhancement, and human capital development. This infrastructure will ensure that as Africa transitions to high-density grids, Kenya stands ready as the continent’s technical anchor.

For our communities in Siaya, this historic project represents the dawn of a massive economic renaissance. Modern nuclear technology utilises evolutionary Generation III+ reactor designs, which feature advanced, fully passive safety systems capable of shutting down safely without human intervention or external power availability.

This technology is incredibly clean, strictly regulated under the global oversight of the International Atomic Energy Agency, and has proven globally to be one of the safest forms of electricity generation in human history.

By anchoring our grid with the baseload facility in Siaya, we will catalyse massive local manufacturing, create thousands of specialised, high-paying engineering and construction jobs, and completely de-risk our national grid from the vulnerabilities of climate-induced hydro droughts.

We are entering this specialised space with our eyes wide open, bound to a path of absolute transparency, safety, and international alignment. Kenya’s nuclear energy programme is a decisive vehicle for our long-term socio-economic liberation under Vision 2030 and the Bottom-Up Economic Transformation Agenda.

By choosing the path of technology transfer over mere procurement, we are ensuring that the brains operating, maintaining, and eventually building the next generation of reactors across East Africa will be distinctly Kenyan.

The future of global industry belongs to clean, high-density power, and through our strategic choices today, Kenya is claiming its rightful seat at the forefront of that global frontier.