In this episode, Joel and Maria break down some common misconceptions and share practical, research-based tips to help you create a realistic budget.

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In this episode, Joel and Maria break down some common misconceptions and share practical, research-based tips to help you create a realistic budget.

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https://investornews.vanguard/health-care-costs-in-retirement/
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The cost of health care in retirement is based on 6 factors. See how they apply to you.

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We are starting to understand how the covid-19 virus affects people in different ways, depending on their age and underlying health conditions

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Facebook on Monday began enlisting outside developers to create ways its Messenger service can help health organizations battling the novel coronavirus.
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Son of Nigeria’s former Vice President, Atiku Abubakar, has tested positive for Coronavirus.
Atiku confirmed this on his verified Twitter handle on Sunday.
He said, “My son has tested positive for Coronavirus.
“@NCDCGov has been duly informed and he has been moved to Gwagwalada Specialist Teaching Hospital in Abuja for treatment and management.
“I will appreciate it if you have him in your prayers. Stay safe, Coronavirus is real.”
My son has tested positive to coronavirus. @NCDCGov has been duly informed, and he has been moved to Gwagwalada Specialist Teaching Hospital in Abuja for treatment and management. I will appreciate it if you have him in your prayers. Stay safe, coronavirus is real. -AA
— Atiku Abubakar (@atiku) March 22, 2020
SaharaReporters had earlier reported that the Nigerian Center For Disease Control confirmed that the number of cases in the country had hit 30.
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German Chancellor, Angela Merkel, is currently quarantined after a doctor, who administered a vaccine on her, tested positive for Coronavirus, according to NY Daily News.
Merkel’s spokesperson, Steffen Seibert, said the 65-year-old was informed about the doctor’s test shortly after holding a news conference on Sunday to announce new measures to curb the spread of the virus, including banning gatherings of more than two people.
Seibert said Merkel had received an anti-pneumonia vaccine.
Merkel will undergo “regular tests” and work from home for the upcoming days, Seibert said.
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The Nigerian Centre for Disease Control has confirmed three more cases of Coronavirus in Lagos.
This was confirmed on Sunday evening via the agency’s Twitter handle.
It said, “Three new cases of #COVID19 have been confirmed in Lagos.
“Two cases are returning travellers and one is a contact of a confirmed case.”
The latest discovery brings to total 30 confirmed cases of the virus in the country.
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President of the Christian Association of Nigeria, Rev. Samson Ayokunle, on Sunday said arrogance of humans against God, sin and all sorts of wickedness were responsible for the Coronavirus outbreak in Nigeria and other parts of the world.
Ayokunle made this assertion in his sermon on a cable television on Sunday.
The cleric identified ungratefulness among other factors as responsible for the outbreak and spread of the pandemic.
He said, “As in the case of the children of Israel in this passage, the arrogance of man against God and lawfully constituted authority led to God’s anger and judgment over the people.
“People say anything today against God and against the word of God.
“The Holy scriptures injunctions which are God’s commands no longer matter before us. We query the validity today of the word of God and equally deliberately act against it.
“All practices that would make us worship God we reject or abandon under the guise of fundamental human right.
“This pride and arrogance against God came because of advancement in technology. We feel we can do many things without God and thus become ‘god’ to ourselves.
“Technological advancement should make us to reference God the more because he is the revealer of knowledge.
“Sinfulness is an extension of my first point of arrogance against God.
“In Nigeria, violence has become a daily occurrence.”
On what can be done to overcome Coronavirus and other similar diseases, the cleric assured those, who are godly to nurse no fear of any pandemic.
He reminded them of how God used the blood of the lamb to protect His people in Goshen when the angels of destruction were killing the first born of the Egyptians.
Nigeria has announced 28 confirmed cases of the deadly virus with fears mounting of a further spread.
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The Lagos State Government has asked public officers to stay at home for 14 days as part of measures to curb the spread of Coronavirus in the country.
The stay-at-home order affects officers from Grade level 1 to 12.
Governor Babajide Sanwo-Olu gave the order on Sunday during a statewide address.
Nigeria has recorded 28 confirmed cases of the pandemic, raising fears of a further spread.
The situation has forced several state governments to take stringent measures including closing schools and restricting public gatherings.
International flights into Nigeria have also been suspended to curb the spread of the virus.
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A follower on Twitter asked me on Saturday whether it is “constitutional” for the government to restrict religious and social gatherings because of Coronavirus?
By virtue of Section 45 of the 1999 constitution, the rights to peaceful assembly and free movement can be interfered with in the interest of public health and public safety. Is Coronavirus a threat to public health and public safety? The answer is obviously in the affirmative.
Section 14 (2)(b) of the constitution states that “the security and welfare of the people shall be the primary purpose of government.”
However, I urge President Buhari to declare a state of emergency throughout the federation in line with Section 305 of the constitution.
Section 305 (3)(d) of the constitution, allows for a state of emergency when “there is clear & present danger of breakdown of public order and public safety in the federation or any part thereof requiring extraordinary measures to avert such danger.” COVID-19 is a clear and present danger to public safety.
Unlike in the United States, States in Nigeria cannot declare emergency. A governor supported by 2/3 members of the House of Assembly can only request the president to do so for them as stated in Section 305 (4) of the constitution. This is an example of the fraudulent nature of our federalism.
Since there is no special law to my knowledge, apart from laws establishing national and States emergency management agencies, to address public health crisis, it is necessary for the President to declare a state of emergency in Nigeria to address the outbreak of Coronavirus.
In the absence of a law enabling these restrictions to social and religious gatherings, the legality of these measures is questionable. This is because fundamental rights cannot be derogated from except as prescribed in a law that is “reasonably justifiable in a democratic society.”
It is either a law is urgently enacted across the volatile states or the President invokes the state of emergency clause. As at today, there is no strong legal basis for restricting gatherings. None of the governors or the President has issued even an ordinary ‘Executive Order’.
In the United States for example where we copied our presidential system, President Trump declared a national emergency, and at least 48 States in the US have also declared emergency due to COVID-19. The American Congress also passed the Families First Coronavirus Response Act.
In Nigeria, we are resorting to our usual militaristic way of doing things by relying on arbitrary executive fiat to tackle COVID-19. Nations do not become great just by the “good intentions” of politicians. Nations become great principally by adhering to the rule of law.
In the light of the foregoing, I strongly urge the federal and state governments to urgently take steps to address the apparent legal loopholes in their efforts to tackle Coronavirus. It is obvious that Nigeria is not prepared for an outbreak. We are doing trial and error.
We need a legal framework; not only to give legal backing to the restrictions on the fundamental rights of Nigerians to religion, association, assembly, movement, etc., but to also provide for reliefs for families and victims of COVID-19.
We should not wait for the worst to happen.
I wish to draw the attention of the government to the decision of the Court of Appeal in the celebrated case of Okafor v. Lagos State Government (2017) 4 NWLR (Pt. 1556) 404 where it was held that disobeying the “order” or “directive” of a governor is not a criminal offence.
In that case, Lagos State issued an order restricting movement during environmental sanitation, Okafor was arrested for disobeying the order. The court declared the arrest illegal and unconstitutional since there was no law that criminalized violation of the governor’s order.
Without a law or a state of emergency, it is illegal to arrest anyone for violating a mere executive order. Emotions cannot change the law. If religious leaders whose places of worship have been closed decide to challenge the closure in court, the government will likely lose.
I hope the government at all levels will listen to the voice of reason and initiate appropriate legal frameworks to support the containment of COVID-19. It is either we are a country of laws or a banana republic.
We should not yield to authoritarian rule because of expediency.
Inibehe Effiong is a Lagos-based legal practitioner and human rights activist
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