No matter how old you are or how much money you have, it’s worth creating an estate plan.
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Estate planning: 3 key steps to consider
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COVID-19: Should Education Hit A Pause Or Are We Just Unprepared In Nigeria? By Olabisi Deji-Folutile
Olabisi Deji-Folutile
Olabisi Deji-Folutile
The world is facing its most trying and unprecedented times as the last few weeks have been most challenging for almost everybody. What started in Wuhan, China, as an epidemic, has put the entire world in disarray. Major streets across the globes have become empty. Both the rich and the poor are being ravaged by the plague of COVID-19, which the World Health Organisation has rightly described as a pandemic. Work places have been shut; religious and social gatherings banned and many countries are on total lockdown, in a bid to curb the spread of this viral disease. Expectedly, schools are also affected across board. Every day people are being told to embrace social distancing and suddenly things like human contacts, hitherto considered as free gifts of life, are becoming very expensive.
No one knows when this whole chaos will end, so people are making different kinds of adjustments to cope with the situation while it lasts. Many companies have shifted their operations online. Likewise, many schools have opted for e-learning, making use of available technology for teaching and learning.
Universities around the world are making use of communication technology to ease the effects of the global pandemic on their academic calendars. In China, universities are going for online teaching instead of in-class teaching; the ones in Australia have moved their classes online just as UK universities have suspended face-to-face teaching. Turkey started its remote university classes on March 23. In Kenya, universities have activated communication between lecturers and students via social media platforms and emails while classes have gone totally online in the Philippines and Kyrgyzstan. Teachers in France have been working with their students on Zoom.
Just a few days ago, Ghana’s President Addo Dankwa Akufo-Addo, directed the ministry of education to collaborate with the ministry of communications in rolling out open learning programmes in response to the closure of all educational institutions in the country. In the same vein, Mount Kenya University’s Vice-Chancellor Peter Wanderi, has announced the extension of online teaching platforms for regular students to facilitate the learning process. And to take care of the over six million students that have experienced disruption to their studies, ten North African and 12 Arab countries have begun work on an e-learning initiative to facilitate open and online education.
These are some of the steps being taken across the globe to bridge the gap created by school closure in the wake of COVID-19. Unfortunately, while all these activities are going on in other parts of the world, Nigerian government has not said anything about steps being taken to take care of its students’ community. Rather, the only message from the Federal Government was a total closure of all tertiary institutions and FG-owned unity schools till further notice. A statement issued by the National Universities Commission simply said universities would remain shut for one month while the Education Minister, Adamu Adamu, said tertiary institutions would remain shut indefinitely.
Assuming government has been overwhelmed by the burden of controlling the spread of COVID- 19, hence its silence on options for learning for its teeming student population, one would have expected the higher institutions themselves to at least say something, but as it is, they too are not helping matters. The silence in our universities has been deafening. To worsen the situation, the Academic Staff Union of Universities, decided to choose this time, of all times, to embark on an indefinite strike. One wonders how the academic body manages to feel comfortable being on a strike at a time when researchers across the globe are busy looking for solution to a pandemic that is ravaging the entire world. This kind of action makes one query the essence of having Research and Development as a core component of tertiary education in Nigeria when researchers can be nowhere to be found at a critical time of societal needs.
By now, our researchers should be adding their voices to the various efforts being made towards developing a vaccine or cure for COVID-19. After all, universities are expected to proffer solutions to societal problems. This is a wrong time for ASUU to embark on an indefinite strike. This should be a time of strategising and proffering solutions. This is really the time for everyone to get involved. Besides, I think Nigerian universities should also be more forthcoming on their responses to the challenges posed to their students by COVID-19.
As it is, religious organisations are doing far better in terms of their responses to the effects of this pandemic on their primary constituencies. Many of them have devised other means of getting the attention of their members following several government directives prohibiting either gatherings or limiting the number of people allowed to congregate at a time. Almost all the churches have switched to online platforms for their services. How come religious organisations are working hard to keep their flocks and both government and higher institutions in Nigeria are just moving on as if all is well? No word on how to keep the students busy or keep them engaged using available online technology! Should teaching and learning be restricted to the classrooms alone in this 21st century?
Nigeria has always been described as a religious society. Corona Virus has further exposed the smartness of our religious bodies and the dullness of those in charge of our public educational institutions. This is not an attempt to blame any religious organisation for having the foresight to deploy technology in reaching their audiences. Instead, it is a wakeup call to managers of our educational institutions to adopt and use available technology to help their students at a time like this.
Apart from the National Open University of Nigeria, which basically runs online, I doubt if there is any other public university in the country that has capacity for online teaching. This is in spite of the launch of the Nigerian Communication Satellite known as NIGCOMSAT by the Nigerian Government first in 2007 and then NIGCOMSAT-IR in December 2011, to provide critical ICT backbone infrastructure to support e-learning, among others in the country.
What is the essence of investing so much money in a communication satellite if it cannot be deployed at a time of need? Those in charge of NIGCOMSAT, the commercial arm of Nigeria’s space centre, have consistently claimed that the technology has the capacity to cover the entire Africa. If that is the case, why is the country still struggling to deploy internet connectivity facilities to its schools to aide e-learning? If we are truly a serious country, by now, all the schools in urban and rural areas should have been connected to the e-learning services.
No doubt, COVID-19 has exposed Nigeria’s unpreparedness for e-learning. But, we can’t afford to remain where we are. That is why it is important for every institution to start thinking of how to deploy available technology in the world for the good of their students at this critical period. Universities should as a matter of urgency migrate online. This shouldn’t be another season of waiting and probably wasting for the Nigerian student. There is no reason why any higher institution worth its name should suspend all academic activities until the end of Corona Virus with all the available resources and technology in the world today. The minimum expected of them is to upload teaching resources online for students to have access to them. At least this will give the students the opportunity to learn on their own.
This is also an opportunity for telecommunications companies like Glo, MTN and the rest of them to make a difference in Nigeria’s educational institutions. They can as part of their corporate social responsibility decide to boost internet facilities in universities and other educational institutions; or provide data at cheaper rates to help poor students have access to the internet for online learning.
I know there are obvious stumbling blocks to digital learning in Nigeria. Many students don’t even have access to devices while the cost of buying data is still high. These challenges and others have provided telecommunications companies a huge opportunity of making a difference in Nigerian higher institutions by providing e-learning solutions and broadband connectivity to universities and other higher institutions.
They can as part of their corporate social responsibility decide to boost internet facilities in universities and other higher institutions; or help poor students who have limited or poor internet access to enhance online learning.
Olabisi Deji-Folutile is the Editor-in-Chief of Franktalknow.com and member of the Nigerian Guild of Editors. Email: bisideji@yahoo.co.uk
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Three Reasons Why Money Was The Worst Invention Of All Time
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Who invented money? Ask any number of people and they couldn’t tell you who it was that actually invented money or where the idea came from. History has given us some bad ideas, but money has to be the worst and here are my top three reasons why.
- Something Invented By Man Should Not Have Power Over Him.
If I think really hard and try to imagine a time without money, before it was invented and used on a daily basis, I tend to imagine that the world was a completely different place. People most likely had a barter type society where goods and services were exchanged and that is how one survived. If I had a particular skill, say hunting, and you were hungry you could come to me for food. The idea would be that if you could make fire, and I could provide the food, then we could exchange our skills or abilities and everyone got what was good for them. I assume, for the sake of argument, that if someone possessed absolutely no skills whatsoever, that person was still allowed to eat. I can’t imagine that I would loan the helpless soul some meat, only if it could be paid back somehow. Before helpless soul could blink, he might owe me for five dinners and then I have to send out the collection agents to call in his debts. Money provides control, in both a positive and negative control. Although it is man made, and essentially just a piece of paper or a mixture of cheap metals, money has power, and is power. I can just imagine Mr. Helpless Soul explaining to his wife that he can’t repay the hunter and doesn’t know what to do. So Mr. Hunter decides to enslave the Helpless Soul family until the debt is repaid. It is unfathomable to me that so many people in my country, and the world go hungry every day. Those who possess the money have the power to deny the needs of those that don’t have means. Where have the humanitarians gone? I’ve seen a business owner kick out a person who was homeless and starving, and then half an hour later deal with a complaining customer as he shouted that his food was not hot enough. Money only has the power that we give it. If we choose to see it as just a means to an end, or just some silly paper we have been told to obey our whole lives, then one can focus on what really matters. I am not advocating not paying debts, or shucking responsibilities. This is the world we live in, and norms must be followed…until the laws change again to suit what the politicians want on any particular whim of a day.
- Money Shifts Focus From Helping One Another To Arbitrary “Worth” Of Mere Things.
Why should I do anything to help anyone else, unless they can pay for it? If my entire focus in life is to obtain material things, then I should only be motivated by money, or obtaining it, to do anything. What is anything really worth? Marketing companies have defined worth for me since I was a child, and it was beaten into me during commercial breaks of GI Joe. What is the value of all of the things you want in comparison to something that really matters? Imagine what the worth is of spending one more hour with a loved one before they pass away and are gone forever. The worth of teaching your children that there is more to life than money and obtaining things. The worth of feeding a homeless man, and helping him have at least one night’s sleep where his stomach doesn’t keep him awake. The value of reaching out a hand and helping someone else in this world is worth more than the largest diamond, the heaviest gold, and the purest oil. Now, I am the biggest hypocrite on this topic, because I love things! It has been programmed in me for so long, it is hard to shake the desire to obtain things. Imagine a life in which people helped each other because it is the right thing to do, and not just for what they could get in return. The argument is, well, that things can’t just be free. You have to pay something to get something. How would the world work if everyone was just giving away everything for free and everyone just had everything they needed and didn’t have to be slave to credit card companies anymore or to a job that they dislike? How would we survive? My answer to those questions is, famously! I would be free to learn a trade that benefits others and could use that ability to provide for my family and to help others. I have wanted to help by donating or giving my entire life, but never had the means. I’ve donated a little time here and there, and not near as much as I should or would have liked to, but at least it was something. But because I like things, and those things have cost me money, I have to continue in my job, and repeat the same cycle my father did.
- Money Makes You Question If People Really Care About You, Or Just Your Money.
I try to envision the end of my life surrounded by those that have made my journey with me, who love and care for me because of the enrichment I gave to them through my friendship and dedication. In my latter years, enjoying my days with my wife, and talking to my grown children and my grand children. I want to soak up every single minute of my life between here and there. I want to feel and love and enjoy all that there is to offer. I have seen families destroyed, fighting over the money left behind after a loved one passes. Some of those grudges are held for the rest of their lives. They lose a relationship and also a loved one, and the only thing they can think about, is how much money they will be getting. More than likely, Mr. Entitlement as we will call him, won’t even miss the loved one that was lost. How many brilliant individuals never get the chance to succeed because of lack of means, and how many elite are given free passes because their pile of paper is bigger than yours. Do the people closest to you care about you or your money? Does the girlfriend only love you because of what you can buy her? Do your children only listen to you in order to get something they want? Take the money away, and would they abandon you? Such a great idea, this money.
My answer to all of this is that I don’t have an answer. My two year old daughter asked me about money and loves putting money in her piggy bank. It made me start to consider all the reasons I worry about money, and fight about money, and read books about money. Nothing like the honesty of a child, to make you sit and think.
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Source by Mitchell PierceViews: 0
- Something Invented By Man Should Not Have Power Over Him.
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What’s the Best Way to Make Money at the Dog Track?
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Success at the dog track is measured by how much money you make. It’s as simple as that. If you walk out with less money than you walked in with, you have a problem. If you walk out with more money than you walked in with, on a regular basis, you’re a winner. Of course, we all have our losing days, but you need more winning days than losing ones.
So, what’s the best way to make sure that your bankroll grows rather than shrinks? While there are a lot of different ways to handicap greyhounds, I think that there’s only one way for most people to get to where they can make money at the track almost every time they go. You do it by starting small and building up to making bigger bets.
Your instinct might be to make big, complicated bets – wheeling and keying dogs in trifectas and superfectas. Unless you have very deep pockets, phenomenal luck and fantastic handicapping skills, you’ll lose your shirt. Instead, here’s the best way to win money and keep more of it at the dog track.
Start with win bets. Find the best dog in a race and bet it to win. Use a good handicapping system and don’t bet too many bets on a program. Betting every race is the quickest way I know to empty your pockets and get discouraged. However, DO handicap every race. Play the ones you’re surest of and just watch the rest and see if your pick wins.
No one can pick a winner in every race, I don’t care how good they are at picking dogs. On a program with 10 races, the average beginner should bet no more than 3-4 dogs. Do that until you’re hitting enough so that you’re ahead on almost every program. It’s very important to keep good, written records of your picks. No changing your mind after the race because you would have picked a dog. Be honest with yourself and keep track of your wins.
When you get to where you’re picking enough winners to make a profit on them on a regular basis, increase the amount of your win bets. That’s all there is to making a consistent profit at the track. Once you’ve mastered this, you can go on to quinielas, trifectas and even superfectas. But until you develop your handicapping skills, stick with small win bets on a few races. It’s very hard to do, but worth it in the long run.
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Make Dry Ice Blasting Your Small Business Opportunity
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What is dry ice blasting? Dry ice blasting is a form of abrasive blasting industrial cleaning that uses a solid form of carbon dioxide known as dry ice. Pellets or ice is shot through pressurized air stream of either one hose or two hose machines.
Which system is best? Most systems today are the single hose technology. Technology using the single hose was created by the Cold Jet company in 1986. One advantage of the single hose system is that it avoids the possible dangers of a pressurized hopper by the use of a quick cycle airlock. Another advantage of the single hose system is that it has more power and you can use a longer hose.
Making massive money! There are many ways to make money cleaning with dry ice. Many people prefer dry ice blasting for paint removal, because it is less harsh than sand blasting. Another great business opportunity is to clean food processing equipment. Because it can decontaminate surfaces that could contain salmonella and e. Coli. Dry ice can clean without residue so the environmental protection agency prefers it to many kinds of solvent based cleaners. The aerospace industry also uses dry ice blasting to sensitive equipment like clean semiconductors. Manufacturers are also a great business opportunity because cleaning with cold can be used for maintaining their equipment and can drastically reduce their down time.
The freeze jet is just one of several different types of dry ice blasting equipment. For around $3,000 you can usually purchase a dry ice blasting machine.
What about safety? How safe is this type of industrial cleaning? Cleaning with cold (normal pressure is -78 c(-108 f) can be toxic if the concentration is over 1%. Asphyxia can be caused because of oxygen removal so dry ice must be used in a well ventilated area.
Safety Equipment: Typical safety equipment will include a positive pressure blast hood or helmet. Air hoses are attached to a grade D pressurized air supply, which is mandated by Occupational Safety and Health Administration (OSHA). Also using ear plugs for hearing protection is part of the usual safety equipment. Body protection usually includes gloves and overalls as well as a leather coat and chaps.
What fees can I charge? How much money can I make in this industrial cleaning business? Total typical fees can range in the $300.00 per hour range, so it can be one of the more lucrative types of industrial cleaning.
The Benefits of Dry Ice Blasting: This type of industrial Cleaning meets EPA, USDA, and FDA guidelines. Has less clean up of the waste material. Extends the life of the equipment. Cleans more thoroughly. Reduces or eliminates equipment damage. Provides a safer cleaning environment. Is Non-polluting and environmental friendly. Can destroy and eliminate bacterial and fungal growth.
How can I get started? You can get started with your small business by beginning with a business plan. A business plan is a formal statement of business goals, reasons they are attainable, and plans for reaching them. It may also contain background information about the organization or team attempting to reach those goals. It should also contain a good marketing plan. Then apply for small business government grants or small business loans, so you can purchase equipment.
Having your own business can help you to end money worries. Having a business plan is essential to having a successful small business. Knowing how to market your small business for little or no money is an important key to your business success as well. Imagine how much more profit you can have when you don’t have to budget much on advertising.
Get colossal cash from government contracts. Companies interested in selling their products and services to the federal government (the United States General Services Administration) can prepare by fulfilling applicable requirements, and registering in the appropriate systems. Companies may also participate by seeking sub-contracting opportunities with current contract holders. The General Services Administration provides and contracts for Billions of dollars’ worth of products and services for federal agencies.
In summary dry ice blasting can be an extremely profitable business and helps with the environment as well.
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Source by Brian MahoneyViews: 0
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4 Reasons to Become Money Minded
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Being money minded is the key to creating wealth and abundance, yet it can be overlooked when a person is trying to increase their wealth and achieve more in their lives. In fact the thought of being monetarily minded makes a lot of people feel repulsed, they associate this with being greedy and single minded – two traits which are not seen as attractive in society. However being prosperous minded is not about greedy, it is about having the right kind of mindset to make and attract money and here are 4 reasons to change your mindset to attract wealth:
1. Individuals with wealthy mindsets will seize opportunities that come their way – this is something that people with limited money beliefs will not do for fear of failing at a task or venture.
2. Prosperous minded individuals learn to live their lives free from the control of money. This is not the same as living without money, it just means they do not fixate on how much money they have or don’t have all day long.
3. Wealth minded individuals recognise limiting beliefs about money and block them out of their minds. Doing this will enable them to create a more positive outlook about money which in turn will help an individual to be more wealth minded.
4. Financially minded individuals are not ashamed of being this way because they know that this kind of attitude is what enables them to succeed and move forward in life and achieve more.
These are just 4 of the reasons to become money minded and there are so many more that you can learn about.
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Source by Christine M JenkinsViews: 0