Tuesday 29 October 2013

Preventing Debt Problems

Many are dealing with various debt issues nowadays. This is usually because of loans and dependence on credit cards. Although many pay their dues by the end of the month, most just pay the minimum amount required which causes high amount paid on interest. This will remain manageable if you only have one credit card. However, this can be very tough to handle if you have multiple cards and several loans.

In order to prevent facing such ordeal, you have to learn to plan your expenses and see to it that you manage your finances and debts properly. If you worry about your credit records, you can look for an organisation to help you with bad credit debt consolidation loan. You have to be careful when choosing such entity though because they charge upfront. Ask what they can do for you. Expect them to give you a realistic piece of advice and not false promises of fixing your debt problems instantly.

There are many reasons why a person goes into serious debt problems. Among them are the following:

Mismanagement of finances

Many people spend more than what they earn. Their credit allowance makes them feel that they can afford anything. They only realise that they cannot afford their purchases when they are having a hard time paying their debts.

In order to avoid this, evaluate your earnings. How much do you receive each month? After that, start listing the things you need. Remember, these are essential items. These include food, shelter, medicine and sanitation. How much can you spend on each of these? Can you really afford that apartment? Assessing what you can spend for your necessities will prevent you from over spending.

Another way to prevent problems due to mismanagement of finances is to monitor your expenses. Often, you spend on things that you do not really need. You bring out your ever-reliable credit card and purchase that black purse, which you do not really need because you already have tons of black purses at home. If you monitor your expenses more closely, you will be able to refrain from making unnecessary purchases.

Medical emergency

Many people experience financial difficulty because of the unexpected medical bills they have to endure. This is beyond anyone’s control. Living a healthy lifestyle reduces the risk of experiencing such difficulty. However, it does not eliminate the risk.

Investing in a health maintenance organisation as well as health insurance will reduce the financial difficulty you will be facing if any of your family has to undergo expensive treatments. However, see to it that you understand the terms and conditions set by the organisation you choose. Some HMOs do not cover special cases, especially if they are pre-existing. It would also help if you have a contingency savings. Most importantly, take care of your health and the health of your family. Make it a habit to exercise and eat healthy food.

Job loss

Losing your job is one of the most difficult things to face these days. As you may have noticed, the financial crisis has caused people to lose their jobs. This is tough because it is not that easy to find a new job today.

In order to reduce the impact of losing your job, have a financial cushion. Your savings will help you to get through the rough times; it will also help if you have a part time job. This way, there is still an inflow of finances even if you lose your regular job. There are several freelance jobs online. You can also explore opportunities in industries in the education field, health and food. These industries are the least affected by the crisis.

Tragedy

This is another difficult circumstance. This includes fire and natural calamities. Insuring your property is a good way to prevent financial difficulty if you have to face such problems. In addition, it is important that you always take precautionary measures to prevent problems like fire and other similar tragedies.

There are other reasons like legal concerns and divorce that can cause such problems. You can turn to free online debt consolidation to help you manage your debts. However, it would be best if you do not have to face a very difficult debt problem. Start by managing your finances well. Always include your savings in your budget and most importantly, invest in things that matter like your health and insurance.

•Source: hubpages.com


Friday 25 October 2013

Garden Eggs And Cucumber, Best Snacks For Diabetics, Says Dietician

Hajiya Jummai Abdul, a dietician with Wuse Hospital, Abuja, said on Friday that garden eggs and cucumbers were the best snacks for diabetics. Abdul told the News Agency of Nigeria (NAN) in Abuja that diabetic patients suffered because they were ignorant and as such, did not know the exact diet to take. Patients should take all classes of nutrients including carbohydrate, protein, mineral, vitamins and vegetables such as green, pumpkin leaf, spinach, and steamed cabbage. ’’She, however, warned that it was important to apply limitation in the consumption of the items. The quantity of food to be taken by a patient depends on the Body Mass Index (IBM) of an individual and the blood sugar level. In most cases, the ratio of meal is 2:1; two portions of vegetable and one portion of food is ideal for patients,’’ she said. Abdul advised that food and vegetables should be measured with standard peak milk container after cooking to obtain adequate quantity. She also said that there should be an interval of four to five hours between each meal. If the patient is hungry, he should go for garden egg and cucumber which serve as the best snacks for him. Patients should have their breakfast at least by 7.00 a.m. to 8.00 a. m., lunch at 1.00 p.m. and dinner at 7.00 p.m,’’ she said. Abdul warned patients against the consumption of pastries, alcoholic and soft drinks, as well as fatty, sugary and fried foods. She also said that other prohibited meals for diabetics include sweet fruits, sweet confectioneries and pepper soup. Abdul recommended a little quantity of unripe paw-paw and grape which, she noted, cannot increase patient’s blood sugar level. She stressed that treatment duration varied from individual to individual, saying that it was necessary for patients to understand what, how, when and why they should eat certain food. `In most cases, when the sugar level of a patient drops, he must have understood the doctor well and adhered to instructions on what to do,'' the dietician said. Abdul, however, said that the patients’ health condition would improve at least in six months, if properly managed. (NAN)


Mother Of Quadruplets Solicits Assistance To Sustain Babies

Mrs Alice Akor, a mother of five who delivered quadruplets about six months ago, on Thursday in Abuja appealed for help from government and well-meaning Nigerians. Akor said she and her family had since April been battling to make ends meet and sustain the children, and would now really appreciate help from any quarters. The News Agency of Nigeria reports that Akor gave birth to quadruplets on April 23, 2013 at the National Hospital in Abuja. Akor, a National Diploma (ND) holder, said she had been finding things difficult since after the birth of her quadruplets, after struggling to pay the hospital bills of almost N700,000. She told NAN she was selling clothes before the babies’ arrival, but she has had to stop this due to the financial burden and physical demands of raising her children. “It was when my pregnancy was five months old that I knew it was quadruplets. I had earlier thought it was only one baby because it kicked like one baby. “But after I did a scan at the Daughters of Charity Hospital in Kubwa, they referred me to the National Hospital where I started the ante-natal the following week. “I was put on bed rest for six weeks before the Caesarean section on April 23, 2013,’’ the woman said. Akor said her husband had to borrow money to offset the bills before she and the children were discharged from the hospital. “I had no money to pay, and I slept there (in the hospital) for two days before they could discharge me. But, right now, I need Nigerians and the government to assist me,” she said. Akor said she also has fears about the children’s future, saying she would love to give her children the best form of education. “Training the children to higher institutions is my fear now, and I want to start to lay the foundation for a better future for them by bringing them up in the right ways,” she said. Akor said feeding the children with milk formula costs her family not less than N15,000 every week but it had become difficult to continue. She said caring for the children was also difficult because of the type of accommodation she and her husband had. “Right now, my husband does not have any job, other than staying around to help me take care of the children, while I cannot do any work for now. “So, I need Nigerians and the government to assist me,’’ Akor said. Looking back at how she came about having the quadruplets, the mother of five said it was a divine gift she and her family could not refuse. “Since I had a baby boy before, we (she and her husband) prayed for one more to make it two children for us.“Our wish was to have two children, but when it turned out to be four, who are we to query God or eject the children? “We just have to accept things as they are and find a way of sustaining them. But, in this, we will need the help of government and other Nigerians,’’ she said.(NAN)



Nigeria Rides Retail Revolution On Purchasing Power, Demographics


Nigeria is riding a retail revolution driven by a perfect storm of people, rising purchasing power and urbanisation.

The nation’s population of 179 million is growing at 2.7 percent per annum, with a median age of 18.6, while the urban population is estimated at 42 percent, compared with 19 percent in East Africa.

Income per head has grown from $378 in 2000 to $1,615 at year-end 2012, as the economy expanded five-fold in the period. Gross Domestic Product (GDP) is forecast to expand an average of 6 percent a year for the next five years, according to International Monetary Fund (IMF) data.

“The retail revolution in Nigeria is underway,” said Chu’di Ejekam, director for real estate at private equity (PE) firm, Actis, in a presentation made October 2. “There currently exists a huge undersupplied and growing market … with attractive PE returns.”

India may provide an example of how the Nigerian retail growth story unfolds in the future, as analysts say Nigeria is in a similar place as India was 10 years ago just before the Indian retail boom took off.

In 2001, India had 142,000 sq. metres of modern retail space. By 2006, the number had spiked to 2.7 million sq. metres, moving from 30 malls in 2003 to 230 malls by 2007.

Actis may make investments of as much as $1.5 billion in African commercial real estate, including Nigeria, according to Ejekam. Retail property plans for Nigeria include the Jabi Lake Mall in Abuja and Ado Bayero Mall in Kano.

The most attractive locations for new retail outlets are often the first-tier cities of Lagos and Abuja, due to ease of access and superior infrastructure. Second-tier cities like Port Harcourt, Kano, Warri, Owerri and Onitsha are also providing opportunities.

The $21 billion Nigerians abroad sent home last year may also be giving a boost to disposable incomes and retail spending.

Some challenges remain, however, for retail property investors and developers in the country. One is capital. While large equity requirements of between $30 million and $70 million are often needed, naira debt is expensive as prime lending rates are north of 20 percent with the Central Bank of Nigeria’s (CBN) benchmark monetary policy rate (MPR) at 12 percent.

The cost of projects is also expensive often with limited local expertise. Actis estimates that the cost of completing a project in Nigeria is 2.5 times that of a similar sized one in South Africa. Costs are often passed on to tenants, leading to few anchor options.

The stunted real estate investment trust (REIT) market in Nigeria means there are often few ways to exit an investment for PE firms and developers. Investors who manage to navigate the challenges with “disciplined risk management measures will have attractive returns if they employ a focused strategy”, said Ejekam.

The Nigerian retail market can generate PE returns of up to 25 percent, according to Actis.

“Powerful execution capabilities are required to mitigate execution risk,” Ejekam said.source: http://businessdayonline.com


Cholera Outbreak In Nigerian States


About 12 persons have been feared dead from the outbreak of cholera in Okota area of Lagos State and several others hospitalised in different parts of the state, following the outbreak of the disease. This also followed a report that in the last one week, about 50 persons have died in Zamfara State, after contracting the scourge.

THISDAY checks at hospitals in Isolo Local Council Development Area (LCDA) of the state and its environs such as Okota, Bucknor, Jakande Estate, Oke-Afa Canal, Ejigbo, Ikotun, within the last three days witnessed patients, who were on admission suffering from the scourge.

A medical doctor at one of the hospitals at Ago Palace Way, Okota, said they had to report the incident to the local government which promised to take samples to the laboratory to determine if it was a case of cholera as suspected or gastroenteritis.

A visit to Sijuade Street, Off Ago Palace Way, Okota, revealed that about two persons died over the weekend, after continuous stooling and vomiting, including one Sunday Emeka, a generator repairer, who died on Sunday, after stooling and vomiting consistently.

Another deceased, who was simply identified as Charles, was said to have been resting in his residence beside the Oke-Afa Canal, and without warning, started stooling and vomiting.

At one of the hospitals THISDAY visited, two sisters were admitted on the same day after they had stooled and vomited consistently and although they were responding to treatment, they had adult-sized pampers on them to cushion the effect of the stooling. At Femi Killa, it was gathered that about three persons died after eating the local African Salad, which they bought from a food vendor in the area and the seller was arrested by the police.

However, when THISDAY contacted the Divisional Police Officer (DPO), in-charge of Ago, Orobiyi Musendiq, a Superintendent of Police (SP), he debunked claims that he made any arrest of that nature.

In a related development, the Medical Director of Ago Medical Centre, Dr. Kola Afolabi, said there was an outbreak of gastroenteritis, which he described, as one of the symptoms of cholera. Afolabi said: "For the past one week, patients with frequent diarrhoea and vomiting have been brought to my hospital, but I cannot say it is cholera because a diagnosis must be conducted to confirm cholera."

Although the state Commissioner for Health, Dr. Jide Idris, admitted that they had recorded cholera cases, he said it would be incorrect to call it an outbreak, adding that they were on top of the situation.

He said: "That 12 people have died is totally incorrect. I am only aware of one case. Compared to other parts of the country, it is not proper to call what is happening in Lagos an outbreak. "We have sent our officials to the various local governments where it has been reported and the victims are being adequately treated. The public should maintain good personal hygiene and ensure that their food and water are properly preserved."Source: http://allafrica.com

Food Prices Go Down After Sallah

The prices of basic foodstuffs have witnessed a sharp decline 10 days after theEid-el Kabir celebration across the country and following post-harvest surpluses.

Our correspondent, who visited some markets in Lagos and Ogun states between Monday and Thursday, learnt that almost all the food items that recorded hike in prices before and during the festivity had now experienced a drop in their prices.

Traders, who spoke to our correspondent, explained that the drop in demand for some foodstuffs was responsible for the drop in food prices.

It was also learnt that post-harvest surpluses drove down the prices of some major foodstuffs.

For instance, at the Ketu Market, a basket of tomatoes, which sold for N8,000 on the average some days to Sallah, is now selling for N6,500.

A sack of pepper before the festivity sold for N5,500 but has now dropped to N4,500, while a sack of onion, which sold for N24,000 last Monday, now goes for N22,000.

At the Berger Market, a pepper seller told our correspondent that she bought a basket of tomatoes for N8,500 some days to Sallah, but that the same basket was now selling for N7,500.

The pepper seller said, “Demand increased some days before the Sallah, so pepper prices went up, which is normal when there is excess demand, but after the festival, the whole market was flooded with excess supply, which made the prices to fall.”

The Federal Government had last month signed a Memorandum of Understanding with a private firm, African Exchange Holdings, to build 800 warehouses across the country to mitigate post-harvest losses being currently suffered by farmers.

It regretted that about 40 per cent of farm produce were being wasted each harvest year, hence the need for the construction of the warehouses.

Also, the prices of different sizes of ram, which was an important menu during the Eid-el Kabir festival, have dropped sharply as demand has waned since Wednesday.

A ram seller at the Kara Market, Isheri, Ogun State, told our correspondent that the biggest size, which was selling for N170,000 before the Sallah festivities, was now selling for N140,000, while the smallest size, which sold for N35,000 before the celebration, was now going for N28,000.

The ram seller, who identified himself simply as Aminu, added, “The prices of our rams dropped immediately after the Sallah day. The rams we sold for N80,000 last week is now going for N65,000. The ones we sold for N50,000 now sell for N35,000.”

In Abuja, it was learnt that the prices of ram had also recorded a sharp drop at the various markets.Source: http://www.punchng.com


Thursday 24 October 2013

40 Years In Lepers’ Colony, Residents’ Tales Of Agony


Mrs. Elizabeth Olanrewaju is not a stranger to good life. She once owned a thriving small scale business in the heart of Lagos, where she sold ready-to-wear garments on wholesale basis.

However, things took a drastic turn when what started as skin irritation became a complicated case of leprosy

Truncated comfort

A quite intelligent, ageing woman who reels off dates as efficiently as she does her family background, Olanrewaju takes up the narrative, “I was admitted into this place in 1972. The whole thing started as a skin infection, but it progressed rapidly to the point of sickening blisters. It was worrisome.

“The man I was married to then said he had never seen such a thing and he sent me packing, despite the fact that we already had two children together.

“I returned to my parents’ house, but sanitation officials won’t let me be. At first, my maternal grandmother resisted the officials’ forceful attempt to bring me here, but when my situation continued to worsen, I persuaded her to let me go, and that was how I got here.”

For someone who had known relative comfort before the vicissitudes of life set in, life in the colony was a rude departure from what Olanrewaju once regarded as normal.

While she got her medications which, though stopped the rampaging disease in its track, the deformities she suffered due to what her physicians called the complications of leprosy left permanent deformity. Virtually all her toes are missing, while the hands are a twisted mass of flesh. They are almost useless in their entirety, but for the need to survive the ravages of hunger at all costs, as well as the need to provide for her five surviving children who live with her in the colony. Her children don’t have the disease.

Then, Olanrewaju and fellow colony residents each received a paltry N100 per month — a hopeless amount that could neither feed nor clothe her, much less her retinue of dependents.

With no particular helper — forsaken by the fathers of her children, while her relations had adjusted to the harsh reality that she might never return home alive — she took to farming, which is the only viable engagement the inhabitants of the colony could busy themselves with.

From Mosade Family in Ake, Abeokuta, Ogun State, Olanrewaju currently cultivates herbs and a particular plant that is an integral ingredient of tattoo ink. She takes them to the market for sale. In fact, she was preparing to take her ware to the market when this reporter walked in on her.

As the conversation progressed, some customers came in at regular intervals to make some purchase.

Endurance is it

Looking at the environment, which looks more like a concentration camp, this reporter asked Olanrewaju what it felt like to live in such a place as this. Her reply was terse.

She says, “Life is all about endurance. We’ve learnt to endure the harsh life here.”

Talking about the harshness of life, the miserable landscape says it all. Though the inhabitants keep the expansive settlement as clean as they can, the rows of rooms that line the entrance and others that dot the camp tell so much about the state of poverty they live in. It’s a room to a resident, and those whose kids live with them have no way round it.

Deprived of land

Apart from the stigma that their state of health places on them, virtually all of them lack any requisite skill to engage in any profitable venture outside the camp. As such, those of them who still have enough fingers to hold farm equipment engage in small scale farming — well, until land grabbers invaded the settlement and laid claim to their farmlands.

Under the supervision of their leader, Pa Samson Ogunrinde, farmlands had been allotted to them, and the proceeds hugely subsidise the monthly stipends of N3,000 they now get from the state government.

Talking about land speculators who have encroached on the settlement, some documents obtained by this reporter purport that the Ogun State Ministry of Lands and Housing had ceded certain parts of the settlement to a group of people, sequel to which the alleged new land owners started selling the lands.

A walk round the colony shows various structures in different stages of construction. And, in what looks like psychological warfare, the structures are built menacingly round the lepers’ rows of rooms. The unwritten message seems to be that by the time the new structures are completed, the opulence would naturally crowd out the unwanted inhabitants, and they may be forced to relocate farther from their current abode, which is already in the outskirts of the town.

An authoritative source in the ministry, who declined to be named, confirmed that the documents that were showed to the inhabitants were actually forged, and that government had not authorised any private construction activities in the colony.

But so far, this has been of little comfort to the residents, as their farmlands have yet to be restored to them.

No resting place

With nobody to save them from the land speculators at the initial stage of the invasion, the colony residents watched helplessly as their farmlands were seized by the brigands and sold off to the highest bidder.

And, as if on some ethnic cleansing assignment, the land speculators also desecrated the land on which the lepers used to bury their dead. Instead of what used to be a simple cemetery, uncompleted structures that have been marked for demolition are now scattered all over the place.

Worse still, the toilet facilities were also demolished, and the residents had to make do with ramshackle structures built with rusty corrugated iron sheets behind their rooms.

An attempt to build a communal toilet seems unsuccessful. For one, it is located far from the reach of everybody and the path has overgrown with bush.

Pa Ogunrinde’s attempt to answer this reporter’s enquiry about how residents answer the call of nature became unnecessary, as we were soon covered in stench of human waste, and we had trouble navigating the faeces-ridden bush paths.

Rotary, Lions Club to the rescue

The presence of the Rotary Club International, the Lions’ Club and a handful of other humanitarian organisations in the camp make a lot of difference, the residents confirm. Rotary not only provided potable water, it also provided electricity, the residents say.

Another club, Egba United Society, also built a row of toilets for them, while the Lions Club is also on the verge of completing another row of toilets in another part of the colony.

Blighted hope

While the majority of the women who spoke with this reporter have adjusted to the harsh reality of their existence, most of the male residents feel emasculated and shorn of their human dignity.

That the majority of them grapple with depression is obvious, what with the regretful way they speak, especially about the families they don’t have. One of such is Pa Shuaibu Sule, who has lost touch with reality to the point of despondency.

He also can’t remember how long he has stayed in the colony; and when asked his age, he puts it at 40. However, his physical presentation shows a body that is anything but a youthful 40 years old.

Asked about his wife and children, he replies, “Family? Wife? Children? I’m all alone in the world. I have no friend or relations. My disease has flung me far from human existence into this place. It’s people like you that I regard as my family…”

Looking gaunt and wasted, he remained seated throughout our encounter, peeping out of the lone window that lets in little air into his room, which could barely accommodate a single bed and the odds and ends that are, obviously, all he owns.

With a set of eyes that tell his story of deprivation and lost hope, Pa Sule watches keenly, praying all the time and not hiding the fact that he would accept any gift that may be thrown his way.

Here, money — or, more precisely, the lack of it — is a major headache. The residents confide that going to bed hungry has become a second nature that they are already used to. They intimate that but for the occasional intervention of the wife of the governor, Mrs. Funso Amosun, who sometimes brings cooked foods for them, life would have been harder.

Common lament

One of Olanrewaju’s regrets is that though some of her surviving children had passed through thick and thin to learn some vocations, she has not been able to set them up by way of providing the necessary tools of their trade. Her earnings from the herb sales mostly go to providing meals for the family she heads.

Ogunrinde has the same complaint. He arrived at the colony at age 10, he says, and he has spent more than 40 years in this blistering settlement. He looks like someone in his late 60s though — another testimony to the possible loss of sense of time.

The aged man fights back tears as he asks this reporter to prevail on Governor Ibikunle Amosun to get his only child, a young man named Sunday George Olawale, who reportedly has a degree in numerate discipline, a job. Ogunrinde says the young man had completed the National Youth Service Corps scheme but is still unemployed.

Dearth of drugs

The World Health Organisation says the most effective way of preventing disabilities in leprosy, as well as preventing further transmission of the disease, lies in early diagnosis and treatment with multi-drug therapy. The residents claim that, so far, they have been treated with Dapsone —which used to be a drug of choice for the disease from the 1940s until 1980. The WHO says that due to drug resistance and the necessity for long-term (sometimes lifelong) treatment, Dapsone has been replaced by a combination of drugs. “This combination, referred to as multiple drug therapy, has been highly effective and requires a shorter treatment period,” WHO says.

The residents claim that when they first arrived at the settlement, Dapsone was regularly given to them, but that government has since stopped giving them.

Ogunrinde says the drugs were withdrawn from him about four years ago, while other residents say they’ve not got any drug for over five years now. They, however, say they have access to regular medical treatment at the colony’s hospital whenever they complain of any ailment other than leprosy.

Asked why such an important treatment was withdrawn from the patients, considering their state of health which is far from perfect, the Chief Nursing Officer at the Hansen Disease Centre, located right inside the colony, Mrs. Adebola Adelokiki, explains that, ideally, the drug should be administered on patients for one full year, which the hospital authorities had done already for all the inhabitants. She says the lepers are now free of the disease, but that all the deformities they now have are as a result of the complications of the debilitating disease, mainly due to the fact that they presented rather too late.

Again, when asked if it is normal for the residents’ healthy children to live in a colony populated by lepers, Adelokiki explains that the disease is now in a dormant stage and that the lepers can longer infect anybody, including their children.

Perhaps this informed the decision of Mrs. Derin Osoba, the wife of ex-Governor Olusegun Osoba, to found an elementary school in the colony in 2001. With pupils now numbering about 500, the school currently caters to children from within and outside the colony.

No new intake

Adelokiki also informs that now, the government has decided that persons with new cases of leprosy will not be admitted into the colony.

“What we do now is that when we have fresh cases, the patients are treated promptly, following which we send them back to their families, and, in effect, their communities. This is to prevent the problem of stigmatisation, which is what has prevented the current inhabitants of this colony from getting reintegrated into their respective families and communities,” Adelokiki discloses.

Meanwhile, the residents have found a way round the drug problem, even when it runs contrary to medical advice. Brandishing a half filled pack of Dapsone, one of them informed this reporter that instead of taking the drug daily, he takes it once a week, “because it is very powerful.” That way, he says, he can stretch his private drug supply for as long as possible.

His joy was doused when, on examination of the pack of drug, this reporter informed him that he had up till December 2013 to finish the drug or else he would have to throw it away.

“You don’t mean it,” he says with concern. Being the only one in the colony who could afford to own a pack of the drug, his ego was deflated when he realised that he would soon need money for a fresh supply — a fearful prospect for the majority of the residents.

Though a 30-tablet packet of Dapsone sells for about N1,200, for these impoverished residents who daily engage in a battle to stretch the equivalent of $15 stipend for 30 days, it’s a big luxury that is practically unaffordable.

We don’t want to die

Although Adelokiki says the fear of stigmatisation is what is responsible for the “refusal” of these aged men and women to return to the various families they had left several decades ago, the lepers say their main worry is the fear of being poisoned by their relations.

They allege that some of them who had agreed to return home to their families actually died within days of reaching “home.” “That is why we prefer to stay here; after all, we have lived here all our lives,” they say.

I want to work, but…

Folake Solomon, mother of three surviving adult children, is another resident of the colony. Her overall condition is as pitiable as that of many other inhabitants. Unlettered and unkempt, she neither knows her age nor the date she was admitted into the colony.

Her visage is not only marred by the disease that has ravaged her entire body, she can hardly maintain a balance when she attempts to stand erect. In fact, when she stands, she spreads the legs apart in a bid to distribute her fragile weight. It’s not necessarily because of the undernutrition that many of the residents grapple with, but mainly because, like others in the camp, all her toes, which should have provided grips for her feet, are gone.

“I want to work to take care of my needs, but where are the hands?” she asks rhetorically.

The same frustration is expressed by Madam Maria Adelodun, who says she manages to scoop food into her mouth, using a crude method she has perfected over the years.

She recalls, “The last time I attempted to use a spoon, all my food poured away.”

She limps around with the aid of a prosthetic leg that has seen better days. Worse still, each of her callous hands features stumps of the forefingers and whatever remains of the thumbs.

She was seated when this reporter met her, but she declined to be photographed while wearing what she describes as “rags.” She changed into Ankara fabric and then posed for photograph.

Though she claims to have arrived the camp 20 years ago, the story she tells about one Dr. John Likky, who most residents claim was one of the doctors who was treating them during the civil war of 1967-1970, shows that she has probably been living in the colony for nearly 50 years.

We need more care

Madam Ramotu Agbelege claims to be 60 years old. Twisted and deformed, she says her disease dates back to when she was quite young. All her fingers have been consumed by the disease; and, like others, her toes have not only fallen off, the feet have also continued to shed skins, such that she has to wear socks to prevent them from flies — just like pa Ogunrinde and others do.

She urges the government to step up the care they receive, especially in the area of finance. “The N3,000 we receive monthly is too small, yet the government still owes us,” she discloses.

The residents claim that last year alone, the government only paid them four months’ stipends, leaving an outstanding balance of eight months till date. They also claim that though this year has seen an improvement in the regularity of payment, they have yet to receive stipends for September and October.

They say the inconsistency in the payment of their monthly stipends sometimes forces some residents to take to begging in town. Such residents soon pay for this with arrest, detention and eventual return to the settlement by government officials, with strict warning that they would be sanctioned severely if they repeat the offence.The administration of the colony reportedly falls under the purview of the Women Affairs Ministry. When contacted on the phone, the Information Officer of the ministry, Mr. Kehinde Balogun, said he wanted to clarify certain things from the authorities and that he would get back to this reporter. He had yet to do so, however, as at 8pm on Wednesday, when this report was filed in. Source: http://www.punchng.com



FG Distributes Tomato Seedlings To Farmers



The Federal Ministry of Agriculture and Rural Development on Thursday distributed 120,000 grams of improved tomato seedlings to 240 farmers for massive production in Ondo State.Mr Rufus Omakinwa, the Federal Director of Agriculture in the state, said that the distribution of high yielding and disease- resistant seeds, was aimed at empowering the farmers.Omakinwa represented the minister, Dr Adewumi Adesina, at the launch of the Growth Enhancement Scheme (GES) for tomato in Ikare-Akoko, Akoko North East Local Government Area of the state.He said that the distribution was aimed at enhancing the Agricultural Transformation Agenda of President Goodluck Jonathan.The director said that the concept was to attract Nigerians back to farming, which used to be the nation's main revenue earner.Farming, he noted, had also served as a veritable source of raw materials to tomato factories in the country.“In order for the horticultural value chain to be felt in Ondo State, the Federal Government has taken steps to distribute quality tomato seedlings.“This will enable farmers to produce optimally.“The gesture is being enjoyed by Ondo State today because it is one of the states that have relative advantage in tomato production.“We are giving the seedlings out to enhance their productivity.“A total of 240 hectares of tomato lands will be cultivated because 500 grams meant for each beneficiary, can be planted on a hectare.“This will make enough tomato available to the Perfect Integrated Tomato Factory in Arigidi-Akoko for maximum production,” he said.The state Commissioner for Agriculture, Mr Lasisi Oluboyo, commended the Federal Government for implementing the programme, saying that it would enhance tomato production in the state.Also speaking, Mr Solomon Adeyisola, the General Secretary of the Ondo State Association of Tomato Farmers, who spoke to NAN, commended the effort of the Federal Government.“Mr President has improved the agriculture sector through the Agricultural Transformation Agenda.”He, however, urged the government to extend loans and other agricultural inputs to tomato farmers in the state. (NAN)


Friday 18 October 2013

Educational Reform In the Eyes Of The Storm


Following the educational reforms in Osun State, which led to the reclassification and mergers of schools, introduction of one school uniform and the alleged introduction of ‘Ifa’ as a school subject, concerned educationist have questioned the workability of such reforms, especially as it has caused an uproar among students, teachers and parents.

Osun State government had claimed that these reforms are the results of an earlier organised education summit, chaired by Professor Wole Soyinka, which recommended that the reclassification of schools and the other components of the reforms were the best ways to reposition the educational sector of the state.
According to the state governor, Rauf Aregbesola, stakeholders at the summit agreed on having three structures of basic education that is elementary, middle and high rather than the existing primary, junior and secondary levels, and a comprehensive overhaul of physical and human component of the education system.

Implementation
 
Implementation of the O’School initiative commenced with the inauguration of the Salvation Army Middle School in Osogbo, the state capital, by Governor Aregbesola, which is one of the 100 elementary, middle and 20 high school being built under the initiative.

“The Elementary Level, comprising pupils aged 6 to 9 corresponds with primary 1 to 4 in the existing system. The Middle Level is from primary 4 to Junior Secondary School (JSS III) for pupils aged 10 to 14, now classified as Grades 5 to 9. The High School Level covers ages 15 to 17 and corresponds with the Senior Secondary School III (SS III), known as Grades 10-12”, government said.

New uniforms & introduction of Ifa as a subject
The reclassification and merging of schools comes with the burden of parents buying new school uniforms for their wards as the old uniforms have been rendered unwearable. To this end, all categories of schools now have unique school uniforms which differentiates each school. Though government is bearing the cost of the first set of uniforms to all the students, but parents would have to bear any additional cost should their ward(s) uniforms need changing.

Also, the merging of same sex and faith based schools have continued to generate controversies as some students, old boys associations and proprietors of these schools have protested the merging. Notable are the protests by the students of Baptist Girls High School who kicked against being merged with an islamic school, and Fakunle Comprehensive High School, founded in 1965, merged with Osogbo Grammar Schoool, while the junior students were moved to different schools.

Probably considered the biggest controversy is the alleged introduction of Ifa (which is about the Yoruba divination and belief about Olodumare (God))as a new school subject. The controversy is heightened as the Opon Imo (tablet of knowledge) that was recently given to the students came pre-loaded with learning materials, textbooks, the Bible, Quran and Ifa.

Scrapping of pre-school

On September 5, Aregbesola announced the cancellation of ‘pre-school’ education in all public schools in the state because, according to him, it was wrong for mothers to dump their babies in the name of building careers.
What he has failed to realize is that Pre-Schooling such as crèche, kindergarten and nursery education, are so fundamental to Early Educational Development because this is when they learn the art of socializing which is so important to normal development, activate their gross and motor skills, begin to gain numerical recognition and also develop other associated skills.

Educationists react

Describing the reforms as another example of the failure of the policy, the Education Rights Campaign, ECR, has called on the state government to immediately reverse the counter-productive policy.

“We must quickly point out that as a group involved in education campaigns over the last 10 years, the ERC is very much aware that to revamp Nigeria’s collapsed and degenerate public education system, radical, painful and perhaps inconvenient changes and alterations might be necessary. However this has to be done by democratically involving people in the debates leading to such decisions.

“This is missing in the Osun State school reclassification policy which is why the ERC considers the policy as undemocratic. We are also concerned about the untold hardship this merger will mean for parents, students and teachers as there would be increase in drop in school attendance and truancy rate among students due to the placement of the new schools at long distance from the residence of the students and transfer of students schooling at schools close to their neigbourhoods to schools which are very far from their residence.”

The ERC tasked the government to rather, concentrate its efforts into renovating and expanding the existing schools and furnishing them with libraries and laboratories so as not to reverse the little gains made in the sector.

Pointing out that it wasn’t consulted before the policies were made public, the Osun State Chapter of the Christian Association of Nigeria, OSCAN, said it is against any educational programme that will obliterate the mission schools and affect its tenets of faith.

“OSCAN is not against any new educational policy being put in place by either the federal or the state governments but we vehemently kick against any educational programme that will obliterate the mission schools and affect our tenets of faith particularly in the state.

“We have maintained this stand from inception and we will continue to defend lawfully what belong to us as Christians in the state. As a major stakeholder in the state, the leadership of CAN expects the state government to invite us to discuss this issue and other related one without delay.”

Also, retired Directors of Education, Lagos State Ministry of Education, Mrs. Awoyinfa and Mrs. Amosu, both called on the state government to rather renovate the existing schools and get qualified teachers to improve the standard of education in the state.

“For schools to be functional, the classrooms must be well built, have qualified teachers that are well trained and paid, quality materials and conducive environment to boost learning and improve students’ performance”, they said.

Government’s stand

When contacted, the Director of Publicity, Research and Strategy, All Progressive Congress, APC, Barrister Kunle Oyatomi, said the governor has thought it wise to give the students a better future with these reforms.

“When he assumed office, what he met were appalling as the school buildings were collapsed, low students performance and poor teacher orientation. He immediately called for a summit and the outcome is what we are seeing today.

The reclassification is not different from the 6-3-3-4 system of education. What we have done isn’t different from what is obtainable in developed climes. Government has committed a lot of resources in toe sector and we are sure to reap the benefits soon.”

Describing the alleged introduction of Ifa as a subject as the handiwork of mischief makers, Oyatomi said one quarter of Osun indigenes ore traditionalists, thus the Opon Imo came pre-loaded with the Bible, Quran and Ifa,

“Instead of carrying book about, the tablets come loaded with reading and learning materials and also has the holy books of the various religions in it. The Ifa on the tablet is just for information purpose and doesn’t mean those that are not traditionalists must read or meditate on it.

Despite the believed advantages of the educational reforms, many questions, such as: when would primary school pupils write the common entrance examinations? At what stage would students write their junior WAEC? What happens to NECO, UTME and WAEC exams for the senior secondary students? These questions, among others, are still begging to be answered.


Thursday 17 October 2013

Abuja Bus Rapid Transit Has A Long Way To Go

The Abuja Bus Rapid Transit has become a huge, multi-billion naira project. While it has continued to gulp money, residents say it is far from meeting its goal – to deliver a cheap, fast, easy-to-access transport system for the city’s growing population. Infrastructure seems to be the biggest obstacle. Although Abuja has smooth roads, there are no dedicated lanes for the BRT buses, as obtained in Lagos, which pioneered the BRT system. There are no stations or regular power and communication facilities to support the system. What is operational now is that every year, government spends billions of naira buying new buses that either get run down due to poor maintenance or are not available to commuters when they are needed most. The idea of a BRT started in 2006 when the Mallam Nasir el-Rufai administration procured about 500 buses and outlawed the use of ‘Okada’ (commercial motorcycles) in the city centre. The same year, the Abuja Urban Mass Transit Company also bought 192 buses to augment the transport system. AUMTCO had always been a key player in Abuja’s transport operations, but not on a BRT basis. All but 11 of the el-Rufai buses are said to have been written off as at today. The AUMTCO buses are said to be about 100. Along the line, more buses were bought in 2011 under the Subsidy Re-Investment Programme, while some private firms joined the fray this year. However, many residents are still not getting to work on time, nor are they reaching home early, in spite of a semblance of BRT in place in the FCT. The reason is that fewer road lanes means that the BRT buses are struggling for space with other vehicles, resulting in gridlock on a daily basis. Efforts to create dedicated lanes for the BRT have gone through twists and turns. For example, one of the routes programmed for BRT is the Abuja-Karu-Nyanya Expressway. The road has three narrow lanes that can hardly accommodate the increasing number of vehicles that ply it. Rather than expand the road, one of the three lanes has been ‘hijacked’ for BRT. The Federal Capital Territory Administration marked the lane with yellow paint in 2012 by writing “BRT Lane”, hoping that other motorists would leave it for the buses. This has not happened and there is no enforcement.The yellow-paint project was jettisoned in July this year when the administration awarded fresh contracts for the importation of rectangular traffic cones to demarcate the BRT Lane. The cones only appeared to have compounded the situation, as motorists rammed into them, causing multiple accidents. Some of the accidents resulted in fatality, severe injuries to commuters and damage to many vehicles. One angry resident, Anthony Ndubuisi, described the cones as “dead on arrival. ”Fidgety officials quickly removed the cones from the road, ostensibly to consider more options. Not withstanding the withdrawal of the cones, contractors are busy delivering the plastics and piling them up by the sides of the road, taking up a part of the service lane. This, in turn, made parking a difficult task. For the Abuja BRT, there is still no dedicated lane, no supporting infrastructure, while the promise to save time through the project remains a myth eight years after the first set of buses were delivered. “The way out remains the provision of adequate infrastructure. You don’t jump the gun by dumping buses on the people when the supporting facilities for the BRT are not available. “They have to expand all the roads they have designated as BRT routes or the challenges the project is facing will persist,” Ndubuisi tells this reporter. Another resident, Isa Kabiru, feels not much of public enlightenment is done by administrators when they introduce projects. Citing the example of the cones, Kabiru argues that in a city where people are used to driving at top speed without obstruction, they have to be well-informed ahead of time that there is going to be some form of demarcation. He says, “I was not surprised when vehicles started ramming into the plastic cones, uprooting them from the road. There was no prior enlightenment, no warning signs; nothing to warn motorists that there was a demarcation ahead. “Many motorists descending the AYA Bridge, for example, did not realise that cones had been mounted to demarcate the service lane. They descended the bridge at top speed and had no option but to crash into the cones. “If you went to Nyanya and the Karu bridges, you would know that the cones mounted there were also damaged by vehicles before they were hurriedly removed in August.“Public enlightenment would have saved people the pain and sorrows they suffered due to the accidents.”It is not all bad news, though. Some residents appreciate the “slight drop” in transport cost with the BRT buses in operation. Yet, there is another twist to this fare cut – it is “whenever the buses are available.”A senior official of the administration, however, defends the BRT project, saying it has come to stay.According to the official, who works in the Transport Secretariat, but says he is not the right authority to quote, the project is “merely facing preliminary challenges.”He claims that the city of Bangkok, for instance, opened its BRT in 2010.“That is a recent development in some way if you consider the level of infrastructural development in Bangkok. Only one route is operational there, though in their design, there should be five routes or more.“So, it will be a gradual process until we get there.“The infrastructure will surely come. Government has in place all the plans to make the BRT functional; but funding is an issue and it will take a while for everything to be in place.“All the same, we shall get there,” the official says.For now, the red, blue and green buses take no one faster to a destination than other commercial vehicles. Save for the relative cheaper fare, the BRT is on the same pace with them.
http://www.punchng.com



Still On The Shame Of Our Pensions

IT is barely two months now since we wrote the article, “Pension: Waiting for the Dead man’s Shoes”. The reaction to that work has been absolutely overwhelming; hence we are impelled to return so soon to the issue, as an up-date to our readers. In our type of situation, salient points cannot escape being repeated.

We have not stopped being worried that the pension fund in this country has become the easiest money to steal. Last time, we reasoned that the only language that our system understands is that of strike and service withdrawal. Since the retirees are too feeble to embark on any strike and they have no service to withdraw, the system can afford to deal with them with impunity; hence we recommended stiffer penalties to discourage the reckless embezzlement of pension funds.

It is also becoming clear that those who loot the huge sums are perhaps not the real owners of the loots. They are mere commission agents, acting on behalf of the big bosses, hence a man can openly confess to stealing “only N23 billion” and you hand down a fine of just N750,000 on him (.00032% of his loot), which he pulls out of his back pocket, throws at you and he is a free man forever.

Alhaji Abdulrasheed Maina has finally resurfaced. It would be recalled that he was the Acting Director of Customs, Immigration and Prison Pension Office. When the National Assembly smelt a rat around the close to N200 billion in his care, they invited him to come and shed some light on the issue.

When he failed to honour their invitation, a warrant of arrest was issued on him by the Senate but the Inspector General of Police was reluctant to execute the warrant. We saw how the Executive branch of our national government dilly-dallied on the issue until Maina fled from the country, or so we thought.

Maina now says he didn’t go anywhere. We believe him. And history is on his side. James Ibori was a free man until he stepped out of this country. Why would any wise man travel the same route? Does the Senate still want him? Or has his offence expired? For all we know, it is only in this country and it is only with the pension fund that this type of hide and seek game can be played.

Enter Dr. Teidi Shuaibu, Former Director, Accounts and Finance (Pension), Office of the Head of Service of the Federation who is being prosecuted by the EFCC for alleged involvement in an N18.3 billion pension fund scam. Shuaibu says he gave N1 billion to Senator Aloysius Etok (PDP/Akwa Ibom) to cover his tracks. The Senator denies the allegation.

Meanwhile, the actual owners of the money are dying on the pension queue. Since our last outing, many entries have come in but because of space constraint, our readers will permit us to call only two witnesses: One, Mr. Muftau Baruwa retired from the Federal Ministry of Works and Housing as a Senior Foreman.

That was more than 11 years ago. Hear him: “I served for 35 years and received merit awards twice by the Federal Government through two different level 14 officers. I joined the service on May 19, 1967 and I retired May 25, 2002.

As we speak, I have not been paid a kobo, both my gratuity and pension. I have been to the hospital twice since my retirement… I think death is better than this suffering. Most times, I will go into the streets to beg for money to feed. Severally, for two days, I will not feed.”

Two, Mrs. Imakop’s case is equally pathetic. She retired from the National Bureau of Statistics in 2007. She narrates her ordeal: “Since we were retired, no kobo was paid to me. Every time, we would be called to come to Awolowo Road, Ikoyi, to fill one form after another. Sometimes, we sleep at Awolowo Road, on the bare floor, for us to be attended to. In spite of that nothing has come out of it.

It was only in 2010 October that I was paid, since then no payment. My children are in school, I can’t provide for them. Anytime they come back, we will starve and they will cry all day till they go back. There is nobody to help me except God. My husband died since 2003.”

We have observed earlier that the Pension Reforms Act, 2004 may only have succeeded in increasing the volume of lootable funds available to the system.

Meanwhile, Government has succeeded in removing the burden off its neck and handing same over to private companies organised under Pension Fund Administrators, PFAs and Pension Fund Custodians, PFC. These private companies are made up of bankers, politicians and big businesses, all within the same clique of the ruling elite.

Essentially, the Act provides a very good example of a bad law. The law sets off having the retiree as its main target but in the end, the same retiree is left totally unprotected. In a very loose form, it provides a “penalty of not less than two percent of the total contribution, which ought to have been remitted” for late- and non-remittance of contributions.

Whichever way it goes, the retiree suffers: head he loses, tail he does not win! Many contributory pensioners are already groaning under the pains of unpaid pension arrears by pension managers. All available information point to the negative direction that many employers are already defaulting on their remittances.

The most offending aspect is that some employers are arm-twisting their worker into virtually converting the workers’ entire salaries to pension contributions as a way of atoning for the contributions, which the employers should make.

The future begins today. We wonder for how long labour unions will watch on as the labours of our heroes past are being pushed into the mud. After all, they, too, will soon be wearing these tattered shoes.

Source: http://www.vanguardngr.com