Mary Hyeladzira Kolo

Mary Hyeladzira Kolo I help Individuals, Cooperatives, Organizations, Groups own Real Estate through Co-Ownerships & Fractional Real Estate.

Founder, TitleShield - Co-Ownership Governance Platform | Estate Surveyor & Valuer, 20+ years experience | Maryland Real Estate Serv

23/06/2026

POV: When you’ve been using a marriage operating system.

Stop blaming the price of houses. The price isn’t really the problem.We hear it all the time: "Houses in Lagos and Abuja...
22/06/2026

Stop blaming the price of houses. The price isn’t really the problem.

We hear it all the time: "Houses in Lagos and Abuja are too expensive!" But here’s a secret most people miss: if you look at other big African cities like Nairobi or Johannesburg, the prices are actually quite similar.

The real issue isn’t how much the house costs. It’s how we are expected to pay for it.

Right now, the "system" is built for one type of person: someone with a steady 9-to-5 job and a monthly salary. But let’s be honest, that’s not most Nigerians. Most of us are entrepreneurs, freelancers, or business owners with money that comes in at different times.

Because our banks and lenders only want to talk to "salary earners," most Nigerians are locked out of the room before the conversation even starts.

To put it in perspective: In South Africa, about 16% of the economy is tied to home loans (mortgages). In Nigeria? It’s less than 1%. We aren't failing because we are poor; we are failing because the "plumbing" of our money system is broken.

We keep calling developers "greedy" for their high prices. But the real villain is a financing system built for only 20% of the population.

The solution isn't just "cheaper houses." We need a system that understands how Nigerians actually make money, whether that’s through cooperatives, flexible payment plans, or business-friendly loans.

If we don't change the rules of the game, even a "cheap" house will remain out of reach for the people who need it most.

What do you think? Is it time we stopped talking about "price" and started talking about "access"?

You and your people can OWN property together. You know how your Ajo group collects money every month?Or how your Esusu ...
10/06/2026

You and your people can OWN property together.

You know how your Ajo group collects money every month?
Or how your Esusu circle takes turns receiving the pot?

That same idea — but instead of the money going into someone’s pocket and disappearing…

What if it went into a BUILDING?

A real building. That you and your friends, your colleagues, your trusted circle — ALL own a piece of.

Not one person carrying the full load.
Not one person taking all the risk.
TOGETHER.

Because let’s be honest — land and property in this country are expensive. One person trying to buy alone is like one person trying to carry a whole generator up three flights of stairs. 😅

But FIVE people? TEN people?
Now we’re talking.

Every month, you contribute your own amount. Big or small.
The money pools together.
You buy the property.
The property earns rent.
The rent comes BACK to you — based on your share.

Your Ajo taught you to trust the process.
Your Esusu taught you that together, you can reach what none of you could reach alone.

This is just the next level.

Property that works for you while you sleep.
Property that your children can inherit.
Property that beats inflation, beats the bank, beats leaving your money under the mattress.

And you don’t need to be rich to start.
You just need your people — and a plan.

TitleShield was built for this.

TitleShield .com

💬 DM me right now to find out how you and your group can get started.
🔗 Or tap the link in bio for full details.

Your circle is already powerful. Let’s make it wealthy too.

Start now 👌
10/06/2026

Start now 👌

10/06/2026

I think we need to have many of these conversations. So much lies have been told us on how a marriage and a home should be run.
We need to unlearn, learn and relearn.

Don’t allow the lies around cheat you of
the best marriage has to offer.

Things Moms love to see 💕❤️💕❤️💕❤️💕❤️
10/06/2026

Things Moms love to see 💕❤️💕❤️💕❤️💕❤️

📌
10/06/2026

📌

Today I’m taking the time to celebrate Rachel Adegbe. This woman is a resilient and strong woman.As a young professional...
10/06/2026

Today I’m taking the time to celebrate Rachel Adegbe.
This woman is a resilient and strong woman.

As a young professional who went through a tough time in 2004. Left my job, went through a heartbreak, had no accommodation. This woman took me into her home. She didn’t know me from anywhere. We just happened to attend the same church - The Summit Bible Church and were in the choir together.

Uncle Akubo Adegbe was out of the country then for his masters program.
By the time he came back, he met me and took me in as his own sister.

The both of them loved me and took care of me. It was a difficult time for me but they were there.

I eventually got a house and I moved.

I’m using this opportunity to say thank you. I may not have properly had time to say this or even showed it. Sometimes life happens and people go their separate ways but you can never forget the impact such people made when you were at your most vulnerable moments.

As God takes me through the path and the journey I’m in now, I’m Learning to appreciate the people who have been in my life and made impact when I needed it the most, and show gratitude when it’s due.

As I said earlier in one of my posts, we must never allow situations or circumstances make us forget those that have impacted us one way or the other. Friends go apart, relationships scatter, church members part ways, colleagues change jobs, but never forget the people who once made a difference in your life.

God is also showing me that at every part of our journey in life, He positions people and events to take care of us. This has been my story from young. God is truly mindful of me, no matter what I have gone through.

So today, I appreciate you Sis, from the depths of my heart. You and Uncle Adegbe.

We may not have been in each others’ lives for a while but I’m eternally grateful for you both.

Thank you for some of the lessons I learnt through your marriage in the earliest years (this was over 22 years ago). It has shaped some of the things I still do today in mine (we will be 20 yrs this year).

I love and celebrate you.
Happy Birthday Babe!

THANK YOU 🙏🏾 ❤️💕❤️💕❤️💕❤️💕

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