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May 2024

In a gut-wrenching turn of events, a Nigerian father is left to grapple with the unfathomable loss of his 9-year-old daughter, a tragedy allegedly exacerbated by the malfunctioning of the Access Bank mobile app. Reported by an individual known as PIDOMNIGERIA, this heartrending incident serves as a stark reminder of the dire consequences that can arise from technological failures, particularly in moments of urgent need.

The distraught father, choosing to remain anonymous, recounts the devastating chain of events that led to his daughter’s untimely demise. Faced with a medical emergency requiring urgent funds, he found himself thwarted by the app’s inability to process transactions promptly. As his daughter languished in need of critical care at a local hospital, he was left helpless, unable to access the necessary funds due to the app’s malfunction.

Describing himself as a single dad employed in an offshore capacity, his anguish is palpable as he recounts the nightmare of losing his precious child due to what he perceives as the bank’s negligence. In his own words, he laments, “Failure of Access Bank @myaccessbank app to function since yesterday has caused him to lose his 9-year-old daughter in a medical emergency.” His frustration resonates with countless others who have experienced similar frustrations with the app’s reliability.

In the wake of this tragedy, the father’s grief is compounded by his condemnation of Access Bank’s apparent lack of accountability and transparency regarding the recurrent issues plaguing their mobile app. With biting candor, he denounces the bank, labeling it a “complete shit bank” for its failure to provide adequate explanations for the frequent disruptions.

As the family mourns the irreplaceable loss of their beloved daughter, poignant questions loom regarding the accountability of financial institutions in ensuring the seamless operation of essential services, especially during life-and-death situations. This heartbreaking ordeal serves as a sobering reminder of the imperative for banks to prioritize reliability and accessibility in their digital platforms, lest more lives be tragically impacted by preventable failures.

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The enduring relationship between technology and education has captivated attention for decades. While technology brings forth extraordinary possibilities, it is imperative to approach its integration with careful consideration and accountability. The 2023 Global Education Monitoring (GEM) Report provides invaluable perspectives on the transformative impact of technology on education, elucidating its advantages, constraints, and the hurdles linked with its adoption.

As the flagship UNESCO report underscores, the absence of adequate governance and regulation, particularly in the face of rapidly advancing generative artificial intelligence tools, stands out as a pressing concern. It calls upon nations to promptly establish their own parameters for the development and utilization of technology in education. This imperative ensures that technology never supplants in-person, instructor-led teaching, and instead reinforces the delivery of high-quality education for all. Here, we delve into key insights from the report.

What has been the evolution of technology in education?

The evolution of technology in education traces back to the early 20th century with the introduction of radio, marking the initial foray into technological integration in learning. However, it’s the advent of digital technology over the past four decades that has truly unlocked the profound potential for educational transformation. This period has heralded a revolution in various aspects of education, including content dissemination, learning management systems, assessment techniques, and language teaching methodologies. Augmented reality and personalized tutoring are just a few examples of how technology has fundamentally reshaped the landscape of learning.

Furthermore, recent strides in artificial intelligence have significantly augmented the capabilities of educational technology, prompting inquiries into the evolving role of human interaction within the educational sphere. This ongoing evolution underscores the dynamic interplay between technology and education, continually pushing the boundaries of traditional teaching and learning paradigms.

What is the impact of technology on learning?

Undoubtedly, technology enriches learning within certain parameters. Yet, it’s vital to acknowledge that a uniform solution doesn’t universally suffice. The essence of digital technology’s impact on learning stems from its capacity to tailor instruction to individual needs and elongate learning opportunities. Moreover, it cultivates engagement through fostering interaction and collaboration among learners. Notably, the report underscores that technological effectiveness doesn’t hinge solely on cutting-edge innovations.

How do we evaluate technology’s effectiveness in education?

For instance, in China, the provision of high-quality lesson recordings to rural students yielded a 32% enhancement in outcomes and a 38% reduction in urban-rural learning disparities. This underscores the potency of even rudimentary technological interventions in bridging educational gaps. Thus, while technology offers immense potential for enhancing learning experiences, its efficacy lies not merely in novelty but in its ability to address specific educational needs and contexts.

How reliable is the evidence?

Evaluating the effectiveness of technology in education requires a nuanced approach that prioritizes learning outcomes over the mere deployment of digital tools, as underscored by the report. Instances like Peru, where laptops were distributed without integrating them into pedagogy, serve as stark reminders that technology alone does not ensure enhanced learning. Similarly, the exclusive reliance on remote instruction in the United States exacerbated learning disparities. Furthermore, the report cautions against inappropriate or excessive use of technology, citing evidence of negative correlations between excessive ICT use and student performance.

What are the recommendations for effective integration of technology in education?

However, the reliability of evidence poses a challenge, given the rapid evolution of technology often outpacing its evaluation. Evidence predominantly stems from affluent countries, raising concerns regarding its generalizability. Shockingly, the report reveals that only 7% of education technology companies in the United Kingdom conducted randomized controlled trials, indicating a dearth of rigorous evaluation. The difficulty in isolating technology’s impact from other factors further complicates precise assessment. Moreover, the influence of technology companies on evidence generation introduces credibility challenges.

In light of these complexities, the report offers recommendations for the effective integration of technology in education. It stresses that not all technological advancements necessarily denote progress, particularly as artificial intelligence gains prominence. Thus, the adoption of technology should be guided by a learner-centric, rights-based framework, ensuring appropriateness, equity, evidence-based decision-making, and sustainability. The report advocates for policymakers to follow a four-point compass:

  1. Look down: Evaluate the context and learning objectives to ensure that technology choices bolster education systems effectively.
  2. Look back: Prioritize marginalized groups to guarantee that technology benefits all learners and diminishes educational inequalities.
  3. Look up: Prioritize evidence-based decision-making and consider hidden long-term costs before scaling up technology initiatives.
  4. Look forward: Align technology integration with sustainable development goals, taking into account financial implications, children’s well-being, and environmental impact.
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Regain Control and Protect Yourself from Further Damage

It’s a nightmare scenario that no one wants to experience – your online account has been hacked. Whether it’s your email, social media, banking, or another important account, the breach can leave you feeling violated and vulnerable. However, with the right steps, you can regain control of the situation and protect yourself from further damage.

Act Quickly to Mitigate the Damage

The first and most crucial step is to act quickly. The longer a hacker has access to your account, the more potential harm they can cause. As soon as you suspect or become aware of the breach, take immediate action.

Notify Your Contacts

One of the first things you should do is notify all your contacts about the situation. Hackers often use compromised accounts to send malicious messages or posts to your friends and family, tricking them into clicking on links or downloading harmful software. Warn your contacts not to open any suspicious messages or links from your account, as they could be part of the hacker’s scheme.

Scan Your Device for Malware

It’s possible that the hacker gained access to your account by infecting your device with malware. Make sure to update all your security software, including your antivirus and anti-malware programs, and then run a full system scan. This can help detect and remove any malicious software that may have been installed on your device.

Change Your Passwords

One of the most critical steps is to change the password for any account that may have been compromised. This includes not only the account that was hacked, but also any other accounts that share the same or a similar password. Use strong, unique passwords for each of your accounts to prevent future breaches.

Enable Multi-Factor Authentication

In addition to updating your passwords, enable multi-factor authentication (MFA) on any accounts that offer this security feature. MFA adds an extra layer of protection by requiring a second form of verification, such as a code sent to your phone or a biometric identifier, before allowing access to your account.

Monitor Your Credit and Financial Accounts

Hackers may have gained access to sensitive information, such as your financial details or personal identification. To protect yourself from potential identity theft or fraudulent activity, closely monitor your credit reports and financial accounts for any suspicious activity. Consider placing a freeze on your credit to prevent new accounts from being opened in your name.

Regain Control and Prevent Future Breaches

Dealing with a hacked account can be a stressful and overwhelming experience, but by taking prompt action, you can regain control and protect yourself from further damage. Remember, the key is to act quickly, secure your accounts, and remain vigilant in monitoring for any suspicious activity.

By following these steps, you can minimize the impact of the breach and take proactive measures to prevent future incidents. Stay informed, use strong security practices, and don’t hesitate to seek professional help if needed. With the right approach, you can emerge from this situation stronger and more secure than before.

Conclusion

Experiencing a hacked account can be a frustrating and unsettling situation, but with the right steps, you can regain control and protect yourself from further harm. By acting quickly, securing your accounts, and monitoring for suspicious activity, you can minimize the impact of the breach and prevent future incidents.

Remember, the key to mastering cyber security is to stay informed, use strong security practices, and be proactive in protecting your online accounts. With vigilance and the right strategies, you can safeguard your digital life and enjoy the benefits of the connected world with confidence.

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Bridging the Gap Between Faith and Development

At the heart of the work to create a more just and equitable world lies a fundamental truth: our shared humanity. Whether we are faith leaders, development professionals, or social impact investors, we are all united in the common goal of promoting the well-being and dignity of every person. This realization is the driving force behind the remarkable collaboration between the Roman Catholic Church and organizations like Mastercard, who are coming together to tackle the persistent challenges of poverty and inequality.

As Cardinal Peter Kodwo Appiah Turkson, the Prefect of the Dicastery for Promoting Integral Human Development, eloquently articulates, the role of faith in this work is two-fold. First, the principles and teachings of faith can inspire and guide the actions of those who profess it, leading them to pursue specific initiatives and approaches in service of the common good. Secondly, faith can also serve as a unifying force, inspiring people of all backgrounds to come together in solidarity and share the positive virtues and resources of their respective traditions.

Embracing a New Paradigm: Social Impact Investing

For Cardinal Turkson, this collaborative approach has been instrumental in his own journey of discovering new and innovative ways to finance the vital work of the Church in Africa. As a Bishop in Ghana in the 1990s, he faced the all-too-common challenge of having a mission to serve the community but lacking the necessary financial resources to do so effectively. It was through this experience that he stumbled upon the transformative potential of social impact investing.

Rather than relying solely on grants and donations, which can be unpredictable and often come with strings attached, Cardinal Turkson recognized the value of tapping into the world of impact investing. By partnering with venture capitalists and philanthropists who are driven by the desire to create positive social and environmental change, the Church has been able to secure more sustainable and flexible funding sources to support its development initiatives.

This shift in mindset, from a traditional donor-recipient relationship to a more collaborative and mutually beneficial partnership, has been a game-changer. As Cardinal Turkson explains, the key is to focus on the shared goal of promoting the well-being of the human person, rather than getting bogged down in the technicalities of financial arrangements. By emphasizing the impact and the lives that are being transformed, the Church has been able to make a compelling case for impact investors to align their capital with the Church’s mission.

The Echo Fund: Harnessing the Power of Faith-Based Institutions

The culmination of this innovative approach is the Echo Fund, a pioneering initiative that harnesses the vast resources and reach of the Catholic Church in Africa. By bringing together the Bishops’ Conferences across the continent, the Echo Fund aims to create a sustainable and scalable platform for development that can transcend the limitations of individual dioceses or governments.

The key to the Echo Fund’s success lies in its ability to leverage the Church’s unique position in society. As Cardinal Turkson points out, the Church is often seen as a stable and trusted institution that can provide continuity and consistency in the face of changing political landscapes. This stability, combined with the Church’s extensive network of schools, hospitals, and other social services, makes it an ideal partner for driving inclusive development.

Importantly, the Echo Fund is not about the Church proselytizing or excluding those of other faiths. Rather, it is a collaborative effort that seeks to bring together all stakeholders – government, civil society, and the private sector – in a shared mission to improve the lives of the people. By focusing on the common good and the dignity of every individual, the Echo Fund aims to create a more just and equitable world, one that leaves no one behind.

Unlocking the Power of Collaboration

The collaboration between the Roman Catholic Church and organizations like Mastercard is a powerful example of the transformative potential that can be unlocked when diverse institutions come together in pursuit of a common goal. As Cardinal Turkson eloquently states, the key is to embrace a spirit of partnership and solidarity, recognizing that we are all working towards the same end: the promotion of the human person and the common good.

By breaking down the silos that often exist between faith-based and secular institutions, we can unlock new avenues for impact and create synergies that amplify our collective efforts. Whether it’s through innovative financing mechanisms, shared service delivery, or collaborative advocacy, the possibilities are endless when we approach development challenges with a spirit of openness, humility, and a deep respect for the inherent dignity of every human being.

As we look to the future, the lessons and insights shared by Cardinal Turkson serve as a powerful reminder of the transformative potential that lies at the intersection of faith and development. By embracing this collaborative approach and harnessing the unique strengths and resources of diverse institutions, we can unlock new pathways to a more just, equitable, and inclusive world – one where the well-being and dignity of every person is at the forefront of our collective efforts.

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Prioritizing Progress Over Perfection

by admin

In the fast-paced world of content creation, there’s often an unspoken pressure to deliver perfection every time. From flawless blog posts to impeccably edited videos, the pursuit of perfection can sometimes hinder our progress and stifle our creativity. But what if we shifted our focus from perfection to progress?

It’s important to remember that the path to success is not paved with perfection, but with consistent progress. By focusing on taking that first step, even if it’s not your best work, you’ll be able to build momentum and create a body of content that resonates with your audience.

Consistency Over Perfection

One of the biggest hurdles content creators face is the fear of putting out subpar content. Whether it’s a blog post, a podcast episode, or a social media update, there’s always the nagging voice in the back of our minds telling us that it’s not good enough. But the truth is, perfection is subjective, and what one person sees as flawless, another might see as flawed.

Instead of striving for perfection, focus on consistency. Commit to showing up regularly for your audience, even if it means posting something that’s less than perfect. Over time, you’ll improve and refine your skills, and your audience will appreciate the authenticity and transparency of your journey.

Embracing Imperfection

Perfectionism can be paralyzing. It’s easy to get caught up in endless rounds of revisions, trying to tweak every little detail until it’s just right. But sometimes, the best thing you can do is embrace imperfection and let go of the need for everything to be flawless.

When you stop striving for perfection, you free yourself to take risks and try new things. You’ll be more open to experimentation and less afraid of failure, which are essential ingredients for growth and innovation. So, the next time you find yourself hesitating to hit that “publish” button because your content isn’t perfect, take a deep breath and remember the power of imperfection.

Conclusion

In a world that’s constantly bombarding us with images of perfection, it can be tempting to strive for the same unattainable standard in our own work. But by prioritizing progress over perfection, we give ourselves the freedom to grow, learn, and evolve as creators. So go ahead, embrace imperfection, and watch as your content creation journey becomes more enjoyable, more consistent, and ultimately, more successful.

Suggested Backlinks:

  1. Article on the importance of consistency in content creation
  2. Podcast episode discussing the benefits of embracing imperfection
  3. Guide to overcoming perfectionism in creative work
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Letting Go of Perfection

As content creators, we often get caught up in the pursuit of perfection. We want every piece of content we produce to be flawless, polished, and ready to captivate our audience. However, this relentless quest for perfection can be the very thing that holds us back from creating consistently.

The truth is, other successful creators have learned to embrace the idea of posting a “bad” video or sharing a “bad” idea. They understand that the path to consistent content creation is not paved with perfection, but with a willingness to take that first step, even if it’s not your best work.

Breaking the Cycle of Inaction

When we’re too focused on creating the perfect content, we often end up not creating anything at all. We get trapped in a cycle of overthinking, self-doubt, and inaction, waiting for the perfect moment or the perfect idea to strike.

But the reality is, the more you wait for that perfect moment, the less likely it is to ever come. The key is to break free from this cycle and take that first step, even if it’s not your best work.

Building Momentum Through Imperfection

By being willing to post a “bad” video or share a “bad” idea, you’re actually setting yourself up for success in the long run. When you take that first step, you’re creating momentum for yourself. Each subsequent video or piece of content you create will become easier and more effortless as you continue to build upon that initial momentum.

As you let go of the idea of perfection, you’ll find that your content creation process becomes more enjoyable and less stressful. You’ll be able to experiment, try new things, and learn from your mistakes, all while building a consistent body of work.

The Power of Consistency

Consistent content creation is the key to building a successful online presence and engaging with your audience. When you’re able to post regularly, your audience will come to expect and anticipate your content, which can lead to increased engagement, loyalty, and growth.

However, achieving this level of consistency can be a challenge, especially if you’re constantly striving for perfection. By embracing imperfection and being willing to post a “bad” video or share a “bad” idea, you’ll be able to break free from the cycle of inaction and start building that all-important consistency.

Prioritizing Progress Over Perfection

It’s important to remember that the path to success is not paved with perfection, but with consistent progress. By focusing on taking that first step, even if it’s not your best work, you’ll be able to build momentum and create a body of content that resonates with your audience.

So, the next time you find yourself hesitating to hit that “publish” button because your content isn’t perfect, take a deep breath and remember the power of imperfection. Embrace the idea of posting a “bad” video or sharing a “bad” idea, and watch as your content creation journey becomes more enjoyable, more consistent, and ultimately, more successful.

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Unlocking Financial Stability for Gig Workers and Part-Time Professionals

During the lockdowns of 2020, many musicians, artists, and other gig workers saw their income streams dry up as shows, tours, and events were canceled. With human-to-human contact limited, these creatives had to find new ways to pay their bills. That’s when Juliet Lalouel, a Colorado and Hawaii-based real estate agent and investor, stepped in to help.

Juliet works with the music and creative communities, showing them how to use real estate to supplement their income and build wealth, even if their primary passion lies outside the world of real estate. Her message doesn’t just apply to musicians – it’s relevant for anyone who loves what they do but wants more financial stability.

The Surprising Parallels Between Music and Real Estate

Juliet has noticed that musicians and other gig workers often possess skills that translate remarkably well to the real estate industry. Things like communication, hustle, and mental toughness are essential in both worlds.

Communication: In the music industry, you constantly have to put yourself out there and connect with strangers. The same is true in real estate, whether you’re a real estate agent or an investor.

Hustle: The music industry is cyclical, with periods of high income followed by downtime. Real estate requires a similar ability to adapt and problem-solve to find your next opportunity.

Mental Toughness: Navigating the ups and downs of the music industry – from promised gigs falling through to managing expectations – prepares creatives for the unpredictability of real estate.

Exploring the Many Paths into Real Estate

Juliet encourages musicians and gig workers to consider their personality, passions, and goals when deciding how to get involved in real estate. There are numerous options, from becoming a real estate agent or lender to working in transaction coordination or inside sales.

The key is finding the right fit – something that aligns with your strengths and allows you to leverage your existing skills. For example, introverted individuals may thrive in behind-the-scenes roles, while extroverts may excel as agents or investors.

Stepping Stones to Investing

While some creatives may be ready to dive into real estate investing right away, for others, getting their feet wet in real estate services can be a helpful stepping stone. This allows them to learn the industry, build relationships, and gradually work towards their investment goals.

Creative Financing and House Hacking

One of the biggest hurdles for gig workers and part-time professionals is securing financing for their first investment property. Juliet recommends exploring options like asset-based loans, non-qualified mortgages, and partnerships to overcome this challenge.

House hacking is another powerful strategy, where creatives can live in a property and rent out the other units or spaces to offset their mortgage payments. This can be especially beneficial for those who are frequently on the road or have flexible living situations.

Aligning Real Estate with Your Passion

Juliet’s approach to real estate is all about enabling creatives to pursue their passions while also building financial stability. Rather than viewing real estate as a means to quit their day job, she encourages musicians and gig workers to see it as a way to support the work they love.

By leveraging real estate investments or services, these individuals can create the financial freedom to keep doing what they’re truly passionate about. And in some cases, they may even discover a new passion for real estate itself.

The key is finding the right balance and approach that aligns with your unique goals, skills, and lifestyle. With the right guidance and support, anyone from any background can use real estate to supplement their income, pay their bills, and help them build wealth – all while staying true to their creative passions.

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Understanding the Foundations of SEO

In today’s digital landscape, having a strong online presence is crucial for creatives to attract the right clients and make their brand stand out. One of the key drivers in this regard is Search Engine Optimization (SEO). SEO is the process of optimizing your online content and website to improve its visibility and ranking on search engine results pages (SERPs).

At the core of effective SEO, there are three foundational pillars: content, speed, and popularity. Content refers to the information you provide on your website, from blog posts to portfolio pieces. Speed is all about the technical infrastructure of your site, ensuring it loads quickly and efficiently. Popularity is about the trust and authority signals you build, such as backlinks from other reputable websites.

Backlinks, or links from other websites to your own, play a crucial role in your website’s popularity and search engine rankings. Think of it like the popular kid in school – when other “cool” kids vouch for them, their reputation and influence grows. Similarly, when high-authority websites link to your content, it signals to search engines that your information is valuable and trustworthy.

However, it’s important to be cautious of “shady” backlink tactics, such as buying links from low-quality or spammy sites. This can actually harm your website’s reputation and rankings in the long run. The key is to focus on building genuine, high-quality backlinks from reputable sources.

The Importance of Content

Content is the backbone of your online presence. It’s what attracts and engages your audience, establishes your expertise, and ultimately drives conversions. When it comes to content, it’s not just about quantity, but also quality and relevance.

Mastering Keywords

One of the most crucial aspects of content creation for SEO is keyword research and optimization. Keywords are the terms and phrases that your target audience is searching for, and aligning your content with these keywords is essential for being found in search results.

There are different types of keywords to consider, from “money keywords” (high-intent search terms indicating a desire to hire or purchase) to “awareness keywords” (broader topics that educate and inform). By understanding the various stages of your audience’s journey, you can create content that addresses their needs at each step.

How SEO Works

The way search engines like Google determine the relevance and authority of your website is a complex algorithm that takes into account numerous factors. Some key elements include the structure and organization of your website, the quality and relevance of your content, the speed and mobile-friendliness of your site, and the strength of your backlink profile.

By understanding how these different factors work together, you can develop a comprehensive SEO strategy that helps your website rank higher in search results and attract more qualified leads.

Leveraging Google Business Profile

Another powerful tool in the SEO arsenal is the Google Business Profile (formerly known as Google My Business). This free listing allows you to manage your online presence across Google, including on Google Search and Google Maps. By optimizing your Google Business Profile, you can improve your local search visibility and make it easier for potential clients to find and connect with your business.

Generating Content Ideas

Coming up with a steady stream of content ideas can be a challenge, but there are strategies you can use to identify topics that resonate with your audience. Start by paying attention to the common questions and pain points your clients and prospects share. These are often great starting points for content that addresses their needs and concerns.

Additionally, keeping an eye on your competitors’ content can provide valuable insights into the topics and formats that are resonating with your shared audience. By understanding what’s working for others in your industry, you can adapt and create your own unique spin on those successful content pieces.

Optimizing Across Platforms

While your website should be the central hub of your online presence, it’s important to consider optimizing your content across various platforms, such as social media, video channels, and online directories. Each platform has its own unique algorithms and user behaviors, so tailoring your content and approach accordingly can help you reach a wider audience and drive more qualified traffic back to your website.

Avoiding Common Mistakes

As you embark on your SEO journey, it’s important to be mindful of common pitfalls that can hinder your progress. Avoid the temptation to use “shady” tactics like buying backlinks or keyword stuffing, as these practices can ultimately harm your website’s reputation and rankings. Instead, focus on creating high-quality, valuable content that genuinely serves your audience’s needs.

Additionally, don’t overlook the importance of regular website maintenance and updates. Keeping your site’s technical infrastructure, content, and overall user experience up-to-date is crucial for maintaining and improving your search engine visibility over time.

Conclusion

Mastering SEO and lead generation can be a game-changer for creatives looking to attract their ideal clients and grow their businesses. By understanding the foundational principles of SEO, leveraging the power of content, and optimizing your online presence across multiple platforms, you can position your brand as a trusted authority in your industry and consistently generate high-quality leads.

Remember, SEO is an ongoing process, not a one-time fix. By staying vigilant, adapting to the ever-changing search landscape, and continuously creating valuable content, you can unlock new opportunities and take your online presence to new heights.

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