Climate change and its resulting impacts on global populations have prompted huge investments by national and international governments, banks, NGOs and private individuals into finding lasting solutions through scientific research. However, the role of education and continued education is not left out. Education is often described as one of the most powerful tools for development, in this case, sustainable and inclusive development. The levels of education of a population go a long way in determining how people behave including their production and consumption styles or patterns. Their willingness and readiness to take caution, accept and adhere to legislation on climate change can also be associated with the levels of educational attainment and or availability of information through continued education. A study published in the journal Nature Sustainability revealed two key findings: (1) Increasing educational attainment of a population tends to lead to lesser emission that drives climate change. (2) The higher the educational attainment of a population, the lesser their vulnerability to climate change. By implication, education can reduce both the causes and impacts of climate change. Hence, improved education and continued education are imperative in the fight against climate change. Education helps people to make informed decisions – decisions that may have either direct or indirect impact on the general population. Such decisions might be to adopt environmentally friendly production and consumption methods, use green-alternative electricity generating sources such as solar, properly manage agro-chemical and solid waste and efficient recycling, control bush burning and hunting, eco–investing, obey environmental legislation, etcetera. In as much as education is vital, continuous education is even more important. It is necessary to update the population about the direction of the tides because, new and better ways of thinking and doing things are developed over time, and the conventional ways may become environmentally inefficient. Likewise, new policy issues may be formulated that should be made known to the population.
Overall, education and climate change are well connected, and education is imperative in the fight against climate change. Multi-governmental organizations such as the United Nations and the World Bank should remain committed to promoting education, especially in the Global South where there is a greater knowledge gap. Likewise, the Global North and industrialized regions of the world should be encouraged to show practical commitment toward attaining a green future.

HOUSING DEFICIENCY IN NIGERIA BY SAMUEL, UGOCHUKWU DANIEL
The right to housing is a universal right of which everyone is entitled to. It is quite unfortunate that the desire to amass wealth by private individuals and the underperformance of national governments on the need to adequately provide housing services to its citizenry has deprived majority of individuals to access this right. The idea of capitalism in most countries of the world brought in the idea of private enterprise and ownership including in real estate. This is not just limited to the capitalist economies but also to economies of a mixed setting.
In 2015, the World Bank estimated Nigeria’s population to be 182.2 million, by 2020, Nigeria’s rose to about 2.2 million accounting for over 47 percent of West Africa’s population. Nigeria is rapidly urbanising: about half of the population already lives in cities and this is anticipated to increase to 75% by 2050. In 2019, about 40.1% of Nigeria’s population lives below the poverty line. Poverty remains highest in rural areas and moderate in urban areas. These Indicates the need for more cheap and affordable housing both in rural and urban areas.

Unlike the developed nations where the cost of building is fairly stable, the cost of building in Nigeria is rising. For example: in 2015, the price of cement rose from ₦1, 500 – ₦1, 600 to ₦2 200 – ₦2, 400 while in 2020, it increased to ₦2,550-₦2,800 on retail. This increase in cost of building equipment has also spread to other equipment thereby increasing the price of housing. Anthony Chiejina, group head of corporate communications at Dangote, indicated that the increase is largely due to the acute shortage of forex, devaluation of the Naira, and an increase in the energy price of gas.

In Nigeria, it is noteworthy to say that we lack quality housing infrastructure at least for the greater population. Best and well-spaced houses are built in selected areas of cities thereby creating a divide between the rich and the poor. Home prices in such selected areas had so gone up that the common or middle income Nigerians cannot afford them. It is also noteworthy that majority of Nigeria are within the low and middle income brackets thereby making them less opportune to afford such luxury houses. Imagine a scenario whereby a family man with say three kids and parent earns barely ₦30, 000-₦50,000 per mouth (which is usually the case of large portion of the total population) in a setting where the least affordable house rent per year is ₦250,000 for just a single room and parlour with little space. This has left most citizens with the option of seeking other alternative such as moving back to the rural areas (which is likely to cost him his job) or settling for what is called “face me I face you” (a single room apartment with no space).
The 2007-2009 financial crisis was caused by the bubble in the housing prices. This stands to tell you how financialized the housing sector has become. The private sector (rich investors) has seized the opportunity of the under supply of housing to amass excess capital for themselves thereby neglecting the basic need of humanity which involves the right to shelter (good housing facility).
The idea of mortgage is more practiced in advanced nations of the world but it is still a new and upcoming idea in less developed and especially third world nations, Nigeria too. But the business of real estate especially residential estate has taken a huge space in the Nigerian economy. Among other things, the mortgage sector is affected by lack of trust between parties engaged in such an agreement making it subject to default, the poor economic background of most applicants has also made them less liable to get mortgages thereby leaving it for the rich.
The Nigerian real estate sector is growing fast and is now the sixth largest sector in the economy. The National Housing Fund (NHF), is an initiative of the Federal Government of Nigeria managed by the Federal Mortgage Bank of Nigeria (FMBN), which offers loans for the purpose of building, purchasing or renovating a house. The applicant for this loan, must however be a contributor to the NHF for a minimum of six months. An applicant can only receive a loan up to N15 billion (US$48 million), which may not equate to more than 90 percent of the cost or value of the property. A borrower must contribute 10-30% equity for a loan ranging between ₦5 billion and ₦15 billion. The real benefit of a NHF loan is its low interest rate – promised to not exceed six percent, with a maximum repayment period of 30 years. However, its capacity to serve its contributors effectively is limited. The Affordable Housing Scheme, for example, can only provide about three percent of the required housing stock, therefore insufficient and as such giving space for profit conscious investors to amass excess capital regardless of the need for house for all.
As pointed out by Leilani Farha (2017), “Global real estate represents nearly 60 per cent of the value of all global assets or $USD 217 trillion – with residential real estate comprising $USD 163 trillion or 75 per cent. This represents more than twice the world’s total GDP”. It is quite unfortunate that though residential real estate occupies 75% of the total value of global real estate yet, the low and middle income earners cannot afford such houses and hence, they are either forcefully evicted or opt to live on the street or in a cage kind of house without space.
The government of most nations are not doing enough to protect the interest of the poor (rural and urban poor). It all seem like those rich investors have aligned and compromised with legislators to pay less attention in terms of regulation of real estates. This among other things discriminates against the poor, reduces the quality/standard of living and also widen the gap between the rich and the poor.
To correct these errors and shortage of housing available for the lower income bracket of the population, the national government should intervene in the pricing and cost of housing in both the national and subnational levels. To do these, the government should establish more housing schemes, build cheap yet quality housing for its citizens and also advise rich investors in real to set out plans to provide affordable and quality houses to the lower income masses. There should also be public-private partnership programme on housing. The government in both the national and subnational levels can collaborate with private investors in real estate to provide affordable and quality houses for citizenry. Policy makers in underdeveloped and developing countries should encourage diversification polices that will increase the export base of the country so as to stabilize and appreciate the value of local currencies thereby making the importation of building material cheaper as well as increase the income per capita of the masses.
If effectively implemented, these strategies will not just give everyone asses to quality housing but will also bid the housing prices down while also closing the inequality gap.

HOUSING DEFICIENCY IN NIGERIA BY SAMUEL, UGOCHUKWU DANIEL
The right to housing is a universal right of which everyone is entitled to. It is quite unfortunate that the desire to amass wealth by private individuals and the underperformance of national governments on the need to adequately provide housing services to its citizenry has deprived majority of individuals to access this right. The idea of capitalism in most countries of the world brought in the idea of private enterprise and ownership including in real estate. This is not just limited to the capitalist economies but also to economies of a mixed setting.
In 2015, the World Bank estimated Nigeria’s population to be 182.2 million, by 2020, Nigeria’s rose to about 2.2 million accounting for over 47 percent of West Africa’s population. Nigeria is rapidly urbanising: about half of the population already lives in cities and this is anticipated to increase to 75% by 2050. In 2019, about 40.1% of Nigeria’s population lives below the poverty line. Poverty remains highest in rural areas and moderate in urban areas. These Indicates the need for more cheap and affordable housing both in rural and urban areas.

Unlike the developed nations where the cost of building is fairly stable, the cost of building in Nigeria is rising. For example: in 2015, the price of cement rose from ₦1, 500 – ₦1, 600 to ₦2 200 – ₦2, 400 while in 2020, it increased to ₦2,550-₦2,800 on retail. This increase in cost of building equipment has also spread to other equipment thereby increasing the price of housing. Anthony Chiejina, group head of corporate communications at Dangote, indicated that the increase is largely due to the acute shortage of forex, devaluation of the Naira, and an increase in the energy price of gas.

In Nigeria, it is noteworthy to say that we lack quality housing infrastructure at least for the greater population. Best and well-spaced houses are built in selected areas of cities thereby creating a divide between the rich and the poor. Home prices in such selected areas had so gone up that the common or middle income Nigerians cannot afford them. It is also noteworthy that majority of Nigeria are within the low and middle income brackets thereby making them less opportune to afford such luxury houses. Imagine a scenario whereby a family man with say three kids and parent earns barely ₦30, 000-₦50,000 per mouth (which is usually the case of large portion of the total population) in a setting where the least affordable house rent per year is ₦250,000 for just a single room and parlour with little space. This has left most citizens with the option of seeking other alternative such as moving back to the rural areas (which is likely to cost him his job) or settling for what is called “face me I face you” (a single room apartment with no space).
The 2007-2009 financial crisis was caused by the bubble in the housing prices. This stands to tell you how financialized the housing sector has become. The private sector (rich investors) has seized the opportunity of the under supply of housing to amass excess capital for themselves thereby neglecting the basic need of humanity which involves the right to shelter (good housing facility).
The idea of mortgage is more practiced in advanced nations of the world but it is still a new and upcoming idea in less developed and especially third world nations, Nigeria too. But the business of real estate especially residential estate has taken a huge space in the Nigerian economy. Among other things, the mortgage sector is affected by lack of trust between parties engaged in such an agreement making it subject to default, the poor economic background of most applicants has also made them less liable to get mortgages thereby leaving it for the rich.
The Nigerian real estate sector is growing fast and is now the sixth largest sector in the economy. The National Housing Fund (NHF), is an initiative of the Federal Government of Nigeria managed by the Federal Mortgage Bank of Nigeria (FMBN), which offers loans for the purpose of building, purchasing or renovating a house. The applicant for this loan, must however be a contributor to the NHF for a minimum of six months. An applicant can only receive a loan up to N15 billion (US$48 million), which may not equate to more than 90 percent of the cost or value of the property. A borrower must contribute 10-30% equity for a loan ranging between ₦5 billion and ₦15 billion. The real benefit of a NHF loan is its low interest rate – promised to not exceed six percent, with a maximum repayment period of 30 years. However, its capacity to serve its contributors effectively is limited. The Affordable Housing Scheme, for example, can only provide about three percent of the required housing stock, therefore insufficient and as such giving space for profit conscious investors to amass excess capital regardless of the need for house for all.
As pointed out by Leilani Farha (2017), “Global real estate represents nearly 60 per cent of the value of all global assets or $USD 217 trillion – with residential real estate comprising $USD 163 trillion or 75 per cent. This represents more than twice the world’s total GDP”. It is quite unfortunate that though residential real estate occupies 75% of the total value of global real estate yet, the low and middle income earners cannot afford such houses and hence, they are either forcefully evicted or opt to live on the street or in a cage kind of house without space.
The government of most nations are not doing enough to protect the interest of the poor (rural and urban poor). It all seem like those rich investors have aligned and compromised with legislators to pay less attention in terms of regulation of real estates. This among other things discriminates against the poor, reduces the quality/standard of living and also widen the gap between the rich and the poor.
To correct these errors and shortage of housing available for the lower income bracket of the population, the national government should intervene in the pricing and cost of housing in both the national and subnational levels. To do these, the government should establish more housing schemes, build cheap yet quality housing for its citizens and also advise rich investors in real to set out plans to provide affordable and quality houses to the lower income masses. There should also be public-private partnership programme on housing. The government in both the national and subnational levels can collaborate with private investors in real estate to provide affordable and quality houses for citizenry. Policy makers in underdeveloped and developing countries should encourage diversification polices that will increase the export base of the country so as to stabilize and appreciate the value of local currencies thereby making the importation of building material cheaper as well as increase the income per capita of the masses.
If effectively implemented, these strategies will not just give everyone asses to quality housing but will also bid the housing prices down while also closing the inequality gap.

There seem to be a disconnect between the minister of state for education and the minister of education. While the minister of state for education is working hard to find a suitable guidelines for the reopening of schools, the minister of education is counteracting the former.
Just the other time, the minister of state for education had engaged educational practitioners, WAEC, NECO boards and private schools leaders in a meeting so as to discuss an effective way to resume schools at least for graduating classes. They resolved to reopen schools by August for these classes having laid a plan to prevent further spread of the virus. This plan was cancelled by the ministry of education the next day. This disconnect got even the Senate confused that they (Senate) had to summon the both ministers to a briefing. I guess that meeting went well.
Recently ( within the week) we were informed that schools will reopen by 4th of August, 2020 for graduating classes so as to enable them Prepare for their SSCE scheduled around 17th August. Do we see another turn of the table again?
I guess not cos we all are fed up.

Let me emphasize this;
According Scientists and researchers on vaccines, it will take a minimum of 16 years (2036) Normal timeline to create a vaccine but due to the urgency of the vaccine to present situation, they are ready to cut the timeline to August 2021. This cut in timeline will be so dangerous because they will have to skip important procedures such as testing (using animals from one stage to the other). These stages allows the researchers to be sure that the vaccines are safe for use.
The infection rate as at today is 13 million+ global. The rate is rising by 1 million+ a week. Now check this; at this rate, how many would be infected by August 2020? Roughly 65 million + will be infected by that time. Consider the death rate too.
These is to show you that the virus is here to stay. Our immune system just need to be strong enough to battle it.


My point now!
The president of the United States (Donald Trump) has instructed all schools to resume by September 2020.
Many other nations are reopening their schools.
Business are open, churches and mosques are open, markets are open then why not schools too?
Given that precautions such as wearing of face mask ( compulsory), sanitizing your hands can be provided for then why are our schools closed?
Let me emphasize this:
Educational researchers and human rights activists have warned that at this rate, the rate of people returning to school is very small especially for females. Most of them will be put in family way legally (married) or illegally (unmarried), the zeal for learning would have fallen. The males will be more interested in making quick money than education.

Should I also warn that the morale of people towards education is also dropping by the day!
Students need reorientation. Most students have forgotten what they were last taught in school. Some might even forget Their registration numbers. Maybe their school names too (funny)!
These makes the fact clear that students needs time to be reoriented.
Schools (universities) around the country (Nigeria) were closed during the first semester of their academic year. Remember! First semester starts from September.
This prompts the needs to reopen schools by September 2020 so as not only to continue with the school calendar (avoid distruption) but to also start afresh on what were formally taught within the semester thereby giving the students enough time to take things in.

I know why the ministry of education is excluding the final year students in the university in their definition of the term "graduating classes". They know that for final year students to be included and for NYSC not to be crashed, they will also need to reopen NYSC program so as to take in past graduates who are yet to serve so as to create room for new graduates.

A food for thought!
Let our schools be open ASAP!

Consequences of people not returning to school:
The rate of social tension will be greatly increased.
Domestic violence will increase rapidly due to frustration.
Dependency ratio will increase rapidly.
Crime rate, cyber security fraud (yahoo boys) will rise.
Population growth rate will be increased.
Divorce rate will increase in the medium term.
Depression and frustration will rise...And the list goes on.
The only advantage I can figure out is a reduction in the supply of labor making it less difficult for available labor force to find jobs. It is also accompanied by a reduction in literacy rate.
Funny enough, my state university is already demanding school fee from students (even while the school is closed) because the state government needs financing. They prioritize the money than our learning.

So, my country and countrymen, think!
Think Nigeria. Don't let politics and selfish interest crowd your judgement.
We can effectively and efficiently work out a plan (suitable guidelines) for the reopening of schools and you know that.
If schools don't resume by September 2020, then the disruption in the school system and our progress continues.
Remember! Some of us are almost at a Pause because of the closure of schools. Some have graduated but no certificate to further their lives. No NYSC too. We can't get an advancement to a job, further studies or even a proof of going to school if our schools remain closed.
Don't be selfish. You maybe receiving your pay from our tax monies and your stealing and your children living big but we are not. So, be wise in your decisions. According to Lucky Dube " don't look down on the poor man cos you will meet him on your way down the ladder"

Good day from The Great.
#TheDaniels.
#getsense_Nigeria.

Hello guys. Please, my Gionee s10 fell into water and refused to boot on again. I was told that the panel was spoiled. Can I get a panel for my Gionee s10? Anyone has or knows where I could get it please, it is really important.