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Seven benefits of investing in real estate

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Are you trying to find a dependable and profitable way to invest? Real estate is the only place to search! Numerous advantages of real estate investing will help you accumulate wealth and safeguard your financial future. Regardless of your level of experience, this blog post will provide you with insightful information about the benefits of real estate investing.

Regular Cash Flow

Consistent cash flow is one of the main advantages of real estate investment. You can generate a consistent passive income stream by investing in rental homes. You may make sure that your monthly revenue is more than your expenses by choosing the ideal rental property to invest in and by determining the appropriate rental pricing. This can assist you in paying your mortgage, your property’s upkeep, and yet have extra money.

Value Appreciation

There is historical evidence that the value of real estate increases with time. Real estate has demonstrated a steady increasing trend over the long run, despite possible short-term market swings. Investing in real estate in locations that have room to grow might yield capital appreciation. Your net worth rises in tandem with the value of the property.

Tax Advantages

There are also appealing tax advantages to real estate investing. The government offers a number of incentives to promote property investment. These consist of interest on mortgages, real estate taxes, insurance, and even maintenance costs deducted from taxes. Furthermore, you can qualify for lower capital gains tax rates on the sale of the property if you retain it for longer than a year.

Portfolio Diversification

Investing in real estate is a great strategy to diversify your portfolio. You can lower the overall risk by distributing your investments throughout several asset classes, such as stocks, bonds, and real estate. Real estate can serve as a buffer against market volatility due to its low correlation with other investment possibilities. Real estate often stays steady or even increases in value after bad stock or other investment performance.

Financial Independence and Passive Income

Real estate investing can assist you in becoming financially independent and generating passive income. You can create a steady cash flow without actively working for it by investing in rental homes. You can lessen or do without a typical 9–5 employment thanks to this passive income. You are free to pursue other interests, spend time with your family, or discover new possibilities in its place.

Read Also: Full Steps: How Affiliate Marketing works in 2024

The Inflation Hedge

Historically, real estate investments have acted as an inflation hedge. Property values and rental rates rise in tandem with the cost of living. You can safeguard your money’s purchasing power and make sure your investment either matches or exceeds inflation by making real estate investments. This can offer a reliable financial safety net during unpredictable economic times.

Potential for Leverage in investing in real estate

Another good benefit of investing in real estate is leverage. You can buy a property with a comparatively minimal initial investment by using mortgage finance. You gain control over a more valuable asset than you could have financed fully on your own by using borrowed money. Your return on investment could be much bigger than the initial investment if the value of the property increases.

In summary, numerous advantages of real estate investing include wealth accumulation, passive income generation, and securing a stable financial future. Investing in real estate is appealing due to its steady cash flow, appreciation potential, tax advantages, diversity, passive income, inflation hedging, and leverage. Take advantage of the numerous benefits that real estate offers by include it in your portfolio, regardless of your level of experience or knowledge with investing.

When you’re ready to start investing in real estate, make sure you do your homework, consult an expert, and find the best prospects available. You may profit from real estate investing and reach your financial objectives by making wise choices and taking measured risks. So why hold off? Investigate real estate investing now to open the door to a prosperous financial future!

EXPLAINER: environmental and economic advantages of planting trees

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Planting trees is one approach to slow down climate change and have positive economic effects, both of which are essential for environmental preservation. In this article, we will examine both environmental and economic benefits of planting trees while still considering the challenges that you could encounter while planting trees. Finally this article offers advice for organizing fruitful tree-planting campaigns.

Here are some environmental benefits of planting trees around our environment

1. Naturally purifying the air, trees lower air pollution levels.

2. They lessen the effects of climate change by releasing oxygen and absorbing carbon dioxide.

3. Trees keep the soil moist and fertile for plant growth by stabilizing it and reducing erosion.

4. As water is filtered and cleaned by trees’ roots before it enters subterranean aquifers, trees absorb water and help avert floods.

5. Because they create a variety of niches for organisms to thrive in, trees both foster biodiversity and give animals a place to live.

6. By storing carbon, trees stop the atmosphere from becoming more carbon dioxide-rich.

7. The environmental advantages of trees seek to improve the quality of the surrounding area.

The environmental advantages of trees seek to improve the quality of the surrounding area.

Here are some economic benefits of planting trees

1. Soil erosion can be prevented and natural calamities like floods and landslides can be lessened by planting trees.

2. People love to visit lush, green, and forested locations, which helps the tourism sector develop.

3. Planting trees may support ecological tourism, support local livelihoods, and assist preserve biodiversity.

4. The need for timber is rising because trees are useful to other sectors of the economy, such building and furniture production.

Local towns and regions can experience economic prosperity through the planting of trees.

Here are some of the challenges one can face during trees planting

1. The availability of land may restrict initiatives because planting needs sufficient area.

2. Choosing the appropriate species of tree for the soil, climate, and surrounding conditions.

3. Keeping the tree population pest- and disease-free and in good health can be a major challenge.

Read Also: Impacts of industrial pollution on Climate Change

4. Healthy tree care can be expensive, requiring regular watering, fertilization, pruning off dead branches, and pest control.

5. Lack of community involvement can reduce awareness and support for initiatives.

There are obstacles associated with planting trees, but it’s imperative to optimize their advantages.

Here are some popular examples of successful tree planting initiatives around the world to help combat climate change

1. The Great Green Wall project in Africa is a tree-growing wall that stretches the length of the continent along the Sahara’s border.

2. The Million Trees LA project sought to improve carbon sequestration and offer shade throughout Los Angeles.

3. The Forest Stewardship Council is a global organization that advocates for ethical forestry practices.

4. Mangrove forest restoration involves conservation and reforestation initiatives aimed at shielding coastal communities from storms and tsunamis.

5. The Amazon reforestation project is an initiative to restore deforested areas through collaboration between the Amazonian government and private investors.

Let’s examine some other economics gains of planting trees

1. Tree-constructed properties are more valuable and sell more quickly.

2. Planting trees supports local communities by generating employment and other opportunities.

3. Tree planting is assessed as an investment with potential long-term benefits using cost-benefit analysis.

4. By generating tourist attractions, ecotourism strengthens local economies.

5. The results of analyzing the economics of tree planting indicate that the activity has strong justification.

In summary, it is imperative to plant trees in order to mitigate climate change, improve the environment, and spur economic growth. The movement to plant more trees is gaining momentum, and the methods are constantly changing thanks to private investors and community initiatives.

Full guide to detecting sextortion scams

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The internet provides unmatched chances for innovation, cooperation, and communication in today’s networked environment, however, there are risks amidst the wide digital world, such as the constant possibility of sextortion scams.

These cunning plans take advantage of our weaknesses and anxieties in an effort to gain our trust for their own evil ends. But fear not, for armed with knowledge and awareness, we can outsmart the scammers and protect ourselves from harm.

Comprehending Sextortion: The Structure of a Fraud

Let’s first explore the definition of sextortion before getting into detecting tactics. Sextortion is essentially an online blackmail tactic whereby offenders utilize manipulation, threats, or pressure to extract money or other valuables from their targets. Scammers usually trick their victims into giving them private information or sending obscene images or videos, or into other precarious circumstances. Subsequently, they threaten exposure or other harm and use this material as leverage to demand money or other concessions.

How to Recognize the Signs of Sextortion Scams

Now that we are aware of our challenges, let’s examine several crucial markers that might assist us in spotting extortion scams before it’s too late:

1. Unsolicited Requests:

Getting requests for sexual content or personal information without asking for them is one of the most typical telltale signs of a sextortion scheme. Be suspicious of anyone who requests personal information out of the blue, whether it’s a stranger sending you revealing photographs or a friend sending you unsolicited messages.

2. Threats and Coercion:

Using threats or coercion to trick victims into complying is another obvious indicator that a sextortion scheme is underway. Scammers might use emotional blackmail to manipulate their victims into agreeing with their requests, or they can threaten to reveal graphic material with friends, family, or employers.

3. Pressure to Act Immediately:

Sextortion fraudsters frequently use strategies to instill a sense of urgency or fear, like threatening to reveal incriminating information unless money is received right away. If you start to feel under pressure to move fast or make snap judgments, stand back and consider the circumstances carefully.

4. Payment Requests:

Sextortion scammers’ ultimate objective is to take money or other assets from their victims. Anyone who requests payment in exchange for you not disclosing sensitive information should be avoided, since this is a blatant indication of fraud.

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5. Trust Your Instincts:

Lastly, but just as importantly, have faith in your gut. Don’t allow shame or fear stop you from asking for assistance or reporting questionable activities. Recall that there are services available to support you and that you are not alone.

Actions to take in the event of a Sextortion Scam

Don’t freak out if you think you’ve fallen victim to a sextortion scheme. The following actions will help you safeguard yourself and lessen the damage of the scam:

1. Cut Off All Communication:

Cutting off all communication with the fraudster right away is the first and most crucial step. Avoid responding to their demands or threats, and take all necessary steps to prevent them from getting in touch with you.

2. Preserve Evidence:

Record conversations, emails, and other evidence pertaining to the scam by taking screenshots or saving them. If you choose to report the incident to police enforcement or look for aid from other authorities, this documentation might be helpful.

3. Report the Scam:

File a report about the scam with the appropriate authorities, such as the Federal Trade Commission (FTC), the Internet Crime Complaint Center (IC3), or your local law enforcement agency. Give as much detail as you can regarding the fraud, referencing any supporting documentation you may have.

4. Seek Support:

Never be afraid to ask friends, family, or reputable experts for help. There are people who can guide you through this difficult situation with empathy and understanding; you are not alone.

5. Protect Yourself:

Lastly, adopt proper cybersecurity hygiene to guard against scams in the future. This entails creating secure, one-of-a-kind passwords for all of your online accounts, exchanging personal information online with caution, and keeping up with the most recent fraud and scams.

Be alert and stay safe.

In summary, sextortion scams are a common concern in the digital era, but we can guard against being victims of these schemes by being vigilant and aware of them. Through knowledge-based empowerment, being aware of the telltale indications of sextortion schemes, and taking proactive measures to protect our digital health, we can defeat scammers and take back control of our online lives. Let’s work together to be cautious, safe, and one step ahead of the con artists.

Top 8 smart wearable gadgets to boost your fitness journey 

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Being active is crucial for sustaining general health and well-being in the fast-paced world of today. Smart wearable technology might be your ideal allies if you’re a fitness enthusiast, professional athlete, or just someone looking to lead a better lifestyle. In addition to tracking your exercise, these state-of-the-art gadgets offer insightful analysis and inspiration to help you meet your fitness objectives.

Let’s examine the top five intelligent wearable devices that are transforming how we maintain an active lifestyle.

Fitbit Charge 5:

Fitbit, a pioneer in the wearable technology space, keeps setting the standard with its cutting-edge capabilities and stylish aesthetics. This is also true of the Fitbit Charge 5, which comes in a chic design and has sophisticated health tracking features. This gadget gives you a thorough understanding of your daily activity levels and general health thanks to its integrated GPS, heart rate monitor, and sleep tracking features. It’s also like having a personal trainer on your wrist with features like Active Zone Minutes and tailored training suggestions.

Apple Watch Series:

One of the best wearable smart devices for Apple fans are the Apple Watch Series. These watches are an incredible useful tool thanks to their sophisticated health sensor design, easy connectivity with other Apple products, and beautiful appearance. With capabilities like heart rate monitoring, exercise tracking, ECG readings, fall detection, and more, the Apple Watch Series will keep you safe and healthy while you pursue your active interests. Additionally, you can quickly view your metrics without raising your wrist thanks to the new Always-On Retina display.

Samsung Galaxy Watches for fitness:

The Galaxy Watch continues Samsung’s tradition of leading the way in innovation. This smartwatches, which are powered by Wear OS and has Samsung’s recognizable spinning bezel, offer a special fusion of design and use. With its sophisticated fitness tracking features, like as real-time coaching and automatic workout detection, the Galaxy Watches are the ideal partner for an active lifestyle. Additionally, you may personalize your watch to fit your unique requirements and tastes by downloading a variety of apps from the Google Play Store.

Garmin Forerunner Watches:

The ultimate multisport wristwatch are the Garmin Forerunner, made for dedicated athletes and outdoor enthusiasts. Tracking your runs, rides, swims, and more are made easy with these watches’ integrated GPS, inbuilt maps, and comprehensive performance analytics. The Forerunners help you prevent injuries and maximize your training by giving you comprehensive insights into your performance and recovery, whether you’re preparing for a marathon or just hitting new trails. Plus, with features like Garmin Pay and music storage, you can stay connected and entertained on the go.

Whoop Strap Version 4.0:

The Whoop Strap 4.0 is a wearable fitness tracker that specializes in improving performance and recovery, in contrast to conventional smartwatches. The Whoop Strap tracks parameters such as respiration rate, heart rate variability, and sleep quality to provide you individualised insights into how well your body is functioning. Regardless of your level of athletic ability, this gadget aids in training optimization, overtraining avoidance, and results maximization. Plus, you may wear it hassle-free all day and night thanks to its lightweight and waterproof design.

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Smart Sports Headphones

Smart sports headphones elevate the pairing of music and physical exercise to a whole new level. With the wireless connectivity, water resistance, and excellent audio quality of these headphones, customers may listen to their favorite music while exercising. We examine the advantages of smart sports headphones, point out key characteristics to consider, and present well-known companies known for their cutting-edge styles.

Smart Running Shoes

With smart running shoes, runners can now improve their performance. These shoes include excellent comfort, coaching features, and sophisticated tracking stats. We go over how smart running shoes affect running performance, point out important factors to think about, and highlight well-known companies that have transformed running with technology.

Smart Water Sports Activity Trackers

Smart activity trackers made especially for water-based activities provide thorough monitoring and analysis for those who enjoy the water. With the help of these trackers, users may monitor their progress and improve their performance in the water. They excel at swim tracking, waterproofing, and stroke analysis. We provide an overview of the world of smart activity trackers for water sports, emphasize key elements to think about, and highlight companies that serve the demands of enthusiasts in the water.

To sum up, wearable technology is transforming the way we think about wellbeing and exercise. There is a gadget out there to fit your needs and tastes, whether you want a sporty smartwatch or a covert fitness tracker. You may up your active lifestyle and reach your fitness goals more quickly and effectively than ever before by getting one of these top five smart wearable gadgets.

Impacts of industrial pollution on Climate Change

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The world has benefited greatly from economic expansion and technological advancements during the industrial era. But at a high cost, as industrial pollution is now recognized as a serious threat to human health as well as the environment, we’ll examine the complex relationship between industrial pollution and climate change in this extensive guide, as well as its far-reaching implications on a worldwide scale.

The Intersection between Climate Change and Industrial Pollution:

Large amounts of greenhouse gases (GHGs) are released into the environment by industrial processes, including waste management, transportation, energy production, and manufacturing.

The most common of these is carbon dioxide (CO2), which is produced when fossil fuels like coal, oil, and natural gas are burned. As if acting as a blanket, these emissions trap heat in the atmosphere of the Earth, causing global warming, which is the main cause of climate change.

Similarities between Industrial Pollution and Climate Change:

The management of waste, transportation, energy production, and manufacturing are among the industrial operations that release large volumes of greenhouse gases (GHGs) into the environment. Carbon dioxide (CO2), which is created when fossil fuels like coal, oil, and natural gas are consumed, is the most prevalent of these. These emissions, which have the effect of covering the Earth like a blanket, trap heat in the atmosphere, leading to global warming, the primary driver of climate change.

Disruption of the Carbon Cycle:

Industrial pollution disturbs the carbon cycle, a vital mechanism that controls the Earth’s climate. Historically, the atmosphere’s delicate carbon dioxide balance was preserved by natural activities like photosynthesis and respiration. But because of human activity, the balance has been shifted, producing excess CO2 quicker than it can be absorbed by natural sinks like forests and oceans. Rising sea levels, more frequent and severe weather events, and changed precipitation patterns are all consequences of this imbalance, which quickens the pace of climate change.

Read Also: How climate change ignites wildfires

Threat to Biodiversity:

Numerous species and ecosystems are in jeopardy due to industrial pollution, which is a serious threat to world biodiversity. The devastation of natural habitats, contamination of air and water, and temperature and precipitation variations brought on by climate change upset the delicate ecological balance and drive some species towards extinction. The numerous services that coral reefs, forests, wetlands, and other vital ecosystems offer—from food security to carbon sequestration—are put in jeopardy by the effects of industrial pollution.

Water Scarcity and Contamination:

Industrial pollution taints not just the air we breathe but also the water we need to survive. Pollutants include heavy metals, chemicals, and poisons are carried by runoff from industrial sites into rivers, lakes, and groundwater reserves, endangering aquatic life as well as human health. Furthermore, by changing precipitation patterns and increasing the frequency of droughts and floods, climate change makes already scarce water resources even more problematic.

Impacts on Society and Economy:

The unequal distribution of the consequences of industrial pollution and climate change exacerbates social and economic inequality. Climate-related disasters and environmental degradation mostly affect vulnerable populations, such as marginalized groups, indigenous peoples, and low-income communities. Furthermore, the financial consequences of doing nothing exceed the sums of money needed to make the switch to greener, more sustainable sectors. Societies may generate employment, encourage innovation, and strengthen their ability to withstand the effects of climate change by adopting renewable energy, enforcing pollution control laws, and supporting green technologies.

Mitigation and Adaptation methods:

Combining mitigation and adaptation methods calls for a comprehensive approach to address the twin concerns of industrial pollution and climate change. The goal of mitigation initiatives is to lower greenhouse gas emissions by putting in place carbon pricing mechanisms, increasing energy efficiency, and switching to renewable energy sources. Furthermore, reforestation, wetland restoration, and sustainable land management are examples of nature-based solutions that can improve carbon sequestration and climate change resilience.

In summary, industrial pollution and climate change are two sides of the same coin—interrelated issues that require immediate attention. We can create the conditions for a more resilient and sustainable future by recognizing the connection between these occurrences and taking proactive steps to lessen their effects. To address these existential challenges and protect the world for future generations, all individuals, corporations, policymakers, and communities have a part to play.

FULL LIST: 34 Prominent Nigerians who died in 2023

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Nigeria lost many prominent individuals in the year 2023.

In this article, News Access NG lists the prominent Nigerians who died in 2023.

Here is a list of prominent Nigerians who died in 2023

1. Peace Anyiam-Osigwe

Foremost filmmaker Peace Anyiam-Osigwe died on Monday, January 9, 2023.

She established the prestigious Africa Movie Academy Awards (AMAA).

She passed after reportedly being in coma for two days at St. Nicholas Hospital, Lagos.

She died at the age of 54.

2. Papa Ajasco

Femi Ogunrombi, the veteran Nigerian Actor who replaced Abiodun Ayoyinka as Papa Ajasco died on Saturday, January 14, 2023.

Late Ogunrombi was popular for his role in Wale Adenuga’s comedy series, Papa Ajasco.

The sad news of his death was made known by one of his colleagues, Husseini Shaibu, on his X (former Twitter) handle.

3. Assistant GO of RCCG, Prof. Folagbade Aboaba

Prof. Folagbade Aboaba, an Assistant General Overseer of the Redeemed Christian Church of God, died on Saturday, January 21, 2023.

He died at the age of 90 after a brief illness.

He reportedly had a premonition about his death during the Holy Ghost Service of March 2022.

4. Emir of Dutse

The prominent ruler of Duste popularly known as the Emir of Dutse in Jigawa state, Alhaji Dr Nuhu Muhammad Sunusi died on Monday, January 30, 2023.

He died at an undisclosed Abuja hospital at the age of 78 after a brief illness.

5. Pastor Paul Adefarasin’s mother

Hilda Joanne Adefarasin, the mother of Paul Adefarasin, the founder and senior pastor of House on the Rock church, died in her home on Sunday, February 5, 2023.

She died at the age of 98.

Pastor Paul made this known through a post on his Instagram page on Monday, February 6, 2023.

6. Gumi’s mum

Hajia Aishatu-Dammu Gumi, mother of popular Kaduna-based Islamic scholar and cleric, Sheikh Ahmad Gumi, died on Monday, March 6, 2023.

She died at age 84.

The mother of the cleric died at the Federal Medical Centre (FMC) in Abuja.

Her son Gumi, announced the sad news on his verified Facebook page.

7. Fadeyi Oloro

Veteran actor Ojo Arowosafe popularly known as Fadeyi Oloro died on Tuesday, March 7, 2023.

He died at the age of 66.

Arowosafe was reportedly ill for over three years before he gave up to death.

He got the name Fadeyi Oloro after starring in a Yoruba TV series ‘Arelu’, in the 80s.

His death was announced by Popular comedian Woli Arole in a post on his Instagram page.

8. First Nigerian female senator

The first Nigerian female senator, Senator Franca Afegbua died on Sunday, March 12, 2023.

She was a Nigerian politician and beautician who represented Bendel North in the Nigerian Senate in 1983.

She died at 80.

9. Ex-Ekiti Deputy Gov Bisi Egbeyemi

The immediate past Deputy Governor of Ekiti state, Otunba Bisi Egbeyemi died on Friday, March 17, 2023, after a brief illness.

He died at the age of 78.

He was a Deputy Governor of Ekiti State between 2018 and 2022.

10. Oladipo Diya

Lt. General Oladipo Diya, Who was deputy to the late Head of State, General Sani Abacha, died on Sunday, March 26, 2023.

He died at the age of 79.

He passed on in the early hours of Sunday, according to a statement by Barrister Prince Oyesinmilola Diya, on behalf of the family.

11. Bola Ajibola

A former Attorney-General of the Federation (AGF) and Minister of Justice, Prince Bola Ajibola died on Sunday, April 9, 2023.

He died at the age of 89.

12. Chinwoke Mbadinuju

Ex Anambra Governor Chinwoke Mbadinuju passed on, on Tuesday, April 11, 2023.

He died at the age of 78.

He passed on at the National Hospital Abuja after a brief illness.

His first son, Chetachi Mbadinuju announced the sad demise of his father.

13. Peter Enahoro

Renowned columnist and former Daily Times Administrator Peter Enahoro, died on Monday, April 24, 2023.

He passed on in London according to a statement by his family.

He died at the age of 88.

14. Saint Obi

Popular Nollywood actor Saint Obi died on Sunday, May 7, 2023.

Obi died in Jos, Plateau state.

He was 57.

But the sad news of his demise was announced on Friday, May 12, 2023.

15. Murphy Afolabi

Popular Nollywood actor Murphy Afolabi died on Sunday, May 14, 2023.

He died at the age of 49.

Afolabi died one week after celebrating his birthday on May 5

16. Raymond Dokpesi

Chief Raymond Dokpesi, the founder of DAAR Communications, the owners of AIT and Raypower FM, died on Monday, May 29, 2023.

Raymond died at the age of 71.

He passed on in the early hours of Monday in a hospital in the federal capital territory.

17. Senator Annie Okonkwo

Senator Annie Okonkwo, who represented Anambra Central died on Wednesday, June 7, 2023.

He died at the age of 63.

He was said to have died in the United States where he had been receiving treatment.

18. Afeez Agoro

A Nigerian man who was widely regarded as the tallest man in the country Afeez Agoro Oladimiji died on Wednesday, June 14, 2023.

He died at the age of 48.

Agoro passed on at the Lagos University Teaching Hospital (LUTH).

19. Don Brymo

Popular Nollywood actor Don Brymo died on Thursday, June 15, 2023.

He died at the age of 56.

Brymo, who was hale and hearty after he returned from a movie set, reportedly collapsed in his hotel room in Rivers State.

He was confirmed dead when he was rushed to an undisclosed hospital in Anambra after the first hospital diagnosed him with a stroke and high sugar level.

20. Iyabo Oko

Veteran Yoruba movie actress, Sidikat Odunkanwi Aka Iyabo Oko, passed away on Wednesday, June 28, 2023.

She died at the age of 62.

Her daughter announced the passage of her mother on her social media page.

21. Cynthia Okereke

Veteran Nollywood actress, Cynthia Okereke died on Tuesday, July 11, 2023.

She died at the age of 63.

One of Okereke’s colleagues, Joseph Okechukwu, announced the news on Wednesday, July 12, 2023.

22. Pastor Taiwo Odukoya

The Co-Founder and Senior Pastor of Fountain of Life Church Pastor Taiwo Odukoya died on Monday, August 7, 2023.

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Odukoya died in US at 67.

His death was confirmed in a statement on the Church’s official Facebook page on Tuesday, August 8.

23. Pa Taiwo Akinkunmi

The designer of Nigeria’s flag, Pa Taiwo Akinkunmi OFR, died on Tuesday, August 29, 2023.

He died at the age of 87.

One of late Akinkunmi’s children who announced the news of his death on social media, said he died after a brief illness.

24. Akintola Williams

Pa Akintola Williams, Doyen of Accounting died on Monday, September 11, 2023.

He died at the age of 104.

He was the first person to qualify as a chartered accountant in Nigeria.

25. MohBad

Nigerian artiste Ilerioluwa Oladimeji Alabama popularly known as MohBad died on Tuesday, September 12, 2023.

He died at the age of 27.

There have been a lot of controversies surrounding his death.

The Late singer’s body was exhumed by the Lagos state govt for investigations and autopsy.

26. Pat Nebo

Renowned Nollywood art director and production designer, Pat Nebo died on Thursday, September 14, 2023.

He died at the age of 84.

His death was confirmed by Shaibu Husseini, an entertainment journalist and lecturer.

27. John Oboh

The godfather of Ajegunle music, John Oboh, popularly known as Mighty Mouse died on Monday, September 18, 2023.

He died at the age of 57.

The legendary music producer passed on after reportedly battling cancer.
Umaru Shehu

Nigeria’s first Emeritus Professor, Umaru Shehu, died on Monday, October 2, 2023.

He died at the age of 97.

28. Ohinoyi of Ebiraland

The Ohinoyi of Ebiraland Abdul Rahman Ado Ibrahim joins his ancestors on Sunday. October 29, 2023.

He passed on at the age of 94.

Before his demise, he was also the Vice Chairman of Kogi State Traditional Council.

The monarch passed in a hospital in Abuja, while receiving treatment.

29. Aisha Bello Mustapha

A veteran broadcaster with the Nigerian Television Authority (NTA), Aisha Bello Mustapha died on Monday, December 11, 2023.

She died at the age of 57.

She was famous on the Network News at 9 pm.

30. Prophet Samuel Abidoye

Prophet Samuel Abidoye Aka ‘Baba Aladura’, who was the chairman and spiritual father of Cherubim and Seraphim Movement Church Worldwide, passed on to glory on Sunday, November 12, 2023.

The clergyman died at the age of 103.

31. Chukwuemeka Ezeife

A Former Anambra governor, Chukwuemeka Ezeife passed away in Abuja on Thursday, December 14, 2023.

He died after battling an undisclosed illness at the age of 84.

32. Dejumo Lewis

Veteran Nollywood actor, Dejumo Lewis popularly known as village headmaster died on Saturday, December 23, 2023.

He died at the age of 80.

He passed on after an undisclosed illness.

Actor Saidi Balogun announced the sad news of his death.

33. Ghali Umar Na’Abba

A former Speaker of the Federal House of Representatives, Ghali Umar Na’Abba died on Wednesday, December 27, 2023.

He died at the age of 65.

The former speaker died in the early hours of Wednesday in Abuja.

34. Oluwarotimi Akeredolu

Former Ondo Governor, Oluwarotimi Akeredolu, passed away on Wednesday, December 27, 2023.

He died at the age of 67.

Akeredolu died in Germany after battling prostate cancer.

How Govt neglected physically challenged, vulnerable people during COVID-19 in Nigeria

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As days go by the struggle for survival thickens, the hope of a common man fades away, as no one knows which way the pandemic leads. The common man, who finds it difficult to survive when there is no COVID-19, will have to double his struggle of survival, post COVID-19.

The physically challenged, people living with disabilities and the vulnerable in our society feel so unsecured at this time, struggling with the troubles of keeping social distances and properly keeping to the rules guiding the spread of this virus, which while trying to abide by might lead to a form of loneliness and social isolation. Loneliness itself is responsible for some health problems such as worry and anxiety which could lead to depression.

This is just one of the many problems facing these set of individuals in our society at this time.

Those living with disabilities find it difficult to access palliatives and medical supplies, which those without disabilities could easily have access to.

In this report, I’ll analyse the challenges physically challenged people faced during the lockdown and how they were neglected by the government.

A lot of physically challenged people who are dependent on surviving through seeking arms found it very difficult surviving during the pandemic. Many of them were restricted to street begging during the different phases of the lockdown, and had to depend on those in their immediate environment to feed.

Those who struggled to hit the street couldn’t get much money from people on streets as the streets were deserted during the day and at night.

The Local Government also didn’t help matters as there were no special cares for people living with disabilities and physically challenged in their local government. In a pandemic as peculiar as COVID-19, the first point of call for those living with disability should be their municipal/local council, who should take the burden of catering for their needs, in terms of feeding, medical care and clothing, but the reversed was the case when even the palliatives which should be shared to the poor, vulnerable, disabled and physically challenged people, were all stored and left to rotten in some secret warehouses.

Read Also: Health benefits of soursop fruit, leaf

There was negligible support from the government for these group of people, except for the help they got from some churches, mosques, companies, firms, NGOs, who kept sharing palliatives within their localities.

We could confidently say that most of these vulnerable and physically challenged people depended on the palliatives and money being shared by some of these churches, mosques, companies, firms, NGOs, and some prominent people in society.

Amidst the lockdown, hope shined in the faces of some of these people when news broke out that the federal government will be giving out undisclosed amount of money to people living with disabilities, the vulnerable, less privileged and aged people, but this never became a reality as those funds were never release from those in whose hands the funds landed.

The Question we should ask our Government is, where are the special COVID-19 funds sent to Nigeria by World Bank? We need no soothsayer to tell us that the funds were allegedly syphoned by the so-called righteous government of our time.

The Government of most African countries was responsible for the welfare of the vulnerable, less privileged, aged and those living with disabilities, they made sure these set of people were properly taken care of, before attending to other citizens. But in Nigeria, the foods that were donated by food manufacturing companies as palliatives were stored in a supposed secret warehouse by Chairmen of local governments in collaboration with some house of assembly members, whose intent was to distribute these palliatives during their birthday ceremonies as a form of poverty alleviation programme in their Local Government area/ Constituency.

But when some hungry Nigerian citizens across states in Nigeria, started to discover the warehouses where these treasures were stored and rushed to take their own share, the government started calling them hoodlums.

When the looting was underway, the aged, disabled and physically challenged couldn’t get up to join in the looting and also had no one to help them loot, they had to still seek help from those who had looted.

It was a severe time for these people, and no one in Government is talking about this.

I urge the government to pay special attention to the afore mention people, so as to silently battle the hunger pandemic amongst them, to avoid people dying of hunger.

Smart strategies for financing your education without taking Student Loans

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As studying becomes increasingly expensive, it’s important to find alternative ways to finance your education without relying on student loans.

Not only can student loans saddle you with debt for years to come, but they can also limit your career choices and overall financial well-being.

Fortunately, News Access NG has listed 17 strategies for financing your education without taking on student loans.

Here are some smart options to consider:

Scholarships and Grants

Scholarships and grants can help cover the cost of tuition without requiring repayment. While scholarships are usually merit-based, grants are typically need-based.

Here’s what you need to know about scholarships and grants strategy:

  • Difference between scholarships and grants: Scholarships are awarded based on academic merit, athletic ability, artistic talent or other factors, while grants are awarded based on financial need.
  • How to find scholarship and grant opportunities: Check with your college or university financial aid office, search online databases such as FastWeb or Scholarships.com, and reach out to professional organizations or non-profit groups related to your field of study.
  • Tips for applying to scholarships and grants: Start early, pay attention to deadlines, read all instructions carefully, and tailor your application to fit each specific scholarship or grant you apply for.

Work-Study Programs

Work-study programs allow you to work part-time on or off campus in exchange for tuition assistance.

Here’s what you need to know about work-study programs strategy:

  • What are work-study programs: Work-study programs are federally funded programs that provide part-time jobs to eligible college students to help them finance their education.
  • How to apply for work-study programs: File the Free Application for Federal Student Aid (FAFSA) and indicate interest in work-study programs. Then, search for work-study job opportunities through your college or university.
  • Pros and cons of work-study programs: Work-study programs can help you cover the cost of tuition while also providing valuable work experience, but they may not cover the full cost of education and can take up time that could be spent studying.

Personal Savings

Setting aside money in personal savings can help you avoid taking on student loans.

Here’s what you need to know about personal savings strategy:

  • Starting a savings plan early: The earlier you start saving for college, the better. Small contributions over time can grow into a significant amount of money by the time you’re ready to start college.
  • Maximizing interest earned on savings: Consider opening a high-yield savings account or a certificate of deposit (CD) to earn higher interest rates that can help grow your savings.
  • Tips for budgeting to save for education: Create a budget and stick to it, save money from part-time jobs or internships, and look for ways to cut costs such as buying used textbooks or living off-campus.

Employer Tuition Assistance

Many employers offer tuition assistance programs that can help cover the cost of education.

Here’s what you need to know about employer tuition assistance strategy:

  • Understanding employer tuition assistance plans: Read your employer’s tuition assistance policies carefully to understand what costs are covered and any stipulations or restrictions.
  • How to qualify for employer tuition assistance: You may be required to work for a certain amount of time before qualifying for tuition assistance or meet certain GPA or credit hour requirements.
  • Benefits of employer tuition assistance: Employer tuition assistance can help you save money on education while also advancing your career and skills.

Crowdfunding

Crowdfunding can be an effective way to finance your education by raising money from a large number of people who support your goals.

Here’s what you need to know about crowdfunding strategy:

  • Benefits and drawbacks of crowdfunding: Crowdfunding can be a great way to raise funds quickly, but it requires a lot of effort to promote and maintain your campaign.
  • How to create a successful crowdfunding campaign: Set a reasonable fundraising goal, share your story and message effectively, and offer rewards or incentives to donors.
  • Examples of successful crowdfunding campaigns for education: Platforms such as GoFundMe have helped students raise thousands of dollars for their education.

Alternative Forms of Education

Alternative forms of education such as online programs, bootcamps, and apprenticeships can offer more affordable and flexible options for learning.

Here’s what you need to know about alternative forms of education strategy:

  • Overview of alternative education programs: Online programs, bootcamps, and apprenticeships are alternative forms of education that can be more cost-effective than traditional college programs.
  • Comparison of traditional vs. alternative education costs: Alternative education programs can offer significant cost savings compared to traditional degree programs.
  • How to choose the right alternative education program: Research and compare programs based on your career goals, financial resources, and learning style.

Dual Enrollment

Dual enrollment can allow high school students to earn college credits before graduation, potentially saving money on tuition.

Here’s what you need to know dual enrollment strategy:

  • What is dual enrollment: Dual enrollment is a program offered by some high schools that allows students to take college-level classes and earn college credits simultaneously.
  • Advantages of dual enrollment: Dual enrollment can help you save money and time on college, get a head start on your degree, and demonstrate your academic abilities to colleges and universities.
  • How to qualify for dual enrollment: Speak with your high school guidance counselor to see if your school offers dual enrollment and what the eligibility requirements are.

College Savings Plans

College savings plans such as 529 plans or Coverdell Education Savings Accounts can help families save money for education expenses.

Here’s what you need to know about college savings plans strategy:

  • Types of college savings plans: 529 plans and Coverdell Education Savings Accounts are two common types of college savings plans.
  • How to choose the right college savings plan: Consider factors such as fees, investment options, tax benefits, and potential penalties for early withdrawal.
  • Potential tax benefits of college savings plans: Contributions to college savings plans may be tax-deductible, and withdrawals for qualified education expenses are tax-free.

Apprenticeships and Vocational Programs

Apprenticeships and vocational programs can offer hands-on training and education in specific trades.

Read Also: Seven online money making ideas for stay at home moms

Here’s what you need to know apprenticeships and vocational programs strategy:

  • Overview of apprenticeships and vocational programs: Apprenticeships and vocational programs provide training and education in a specific trade, such as plumbing, welding, or electrical work.
  • Comparison of apprenticeships vs. traditional education costs: Apprenticeships and vocational programs can offer significant cost savings compared to traditional colleges and universities.
  • How to find apprenticeship and vocational opportunities: Search online job boards, reach out to trade unions or professional organizations, or speak with career counselors at your high school or college.

Military Service

Military service members can qualify for education benefits such as the GI Bill, which can help cover the cost of tuition and fees.

Here’s what you need to know about military service strategy:

  • Education benefits for military service members: The GI Bill provides education benefits to qualifying active duty service members, veterans, and their families.
  • How to qualify for military education benefits: Meet the eligibility requirements based on service length, honorable discharge, and other factors.
  • Advantages of military education benefits: Military education benefits can help you save money on education while also providing valuable job training and career opportunities.

Internships

Internships offer valuable work experience and can potentially lead to job offers while also helping finance your education.

Here’s what you need to know about internships strategy:

  • What are internships: Internships are temporary positions that allow you to gain practical work experience while still in school.
  • How to find internship opportunities: Search online job boards, check with your college or university career services office, or reach out to companies in your field of interest.
  • Advantages of internships for education financing: Internships can provide valuable work experience and networking opportunities while also helping to cover the cost of tuition and fees.

Grants for Specific Demographics

Certain demographic groups such as women, minorities, and veterans may qualify for grant programs specific to their needs.

Here’s what you need to know grants for specific demographics strategy:

  • Overview of grants for specific demographics: Numerous grant programs are available to specific demographic groups, such as women, minorities, and veterans.
  • How to apply for demographic-specific grants: Check with professional organizations, non-profit groups, and government agencies related to your demographic group.
  • Advantages of demographic-specific grants: These grants can help individuals who have historically faced financial barriers access education and achieve their career goals.

Non-Profit Programs

Some non-profit organizations offer affordable or free education programs in specific fields or for specific populations.

Here’s what you need to know non-profit programs strategy:

  • Overview of non-profit education programs: Non-profit organizations such as community groups, foundations, and religious organizations may offer free or low-cost education programs.
  • Comparison of non-profit vs. traditional education costs: Non-profit education programs can offer significant cost savings compared to traditional colleges and universities.
  • How to find non-profit education programs: Research non-profit organizations related to your field of study or demographic group and inquire about available education programs.

Income Share Agreements

Income share agreements (ISAs) allow individuals to finance education by paying a percentage of their future income instead of taking out loans.

Here’s what you need to know income share agreements strategy:

  • What are income share agreements: ISAs allow individuals to finance education by paying a percentage of their future income instead of taking out loans.
  • Comparison of ISAs vs. traditional education financing: ISAs can offer an appealing alternative to loans for individuals who may not qualify for traditional financing options.
  • How to find ISA opportunities: Check with your college or university or research private ISA providers.

Freelancing and Part-Time Work

Freelancing or working part-time while in college can help you earn money and gain valuable work experience.

Here’s what you need to know freelancing and part-time work strategy:

  • Overview of freelancing and part-time work opportunities: Freelancing or working part-time can provide a flexible income source while still allowing time for studying.
  • How to balance work and education: Prioritize your coursework and establish a schedule that allows for both work and study time.
  • Benefits of freelancing and part-time work for education financing: Freelancing or working part-time can help you earn money to cover education expenses, build your resume, and develop valuable career skills.

Alternative Loans

Alternative loans may offer more flexible repayment terms and may not require a credit check or co-signer.

Here’s what you need to know alternative loans strategy:

  • Overview of alternative loan options: Alternative loans include personal loans, peer-to-peer lending, and even credit cards.
  • How to qualify for alternative loans: Alternative loans may not require a credit check or co-signer, but interest rates and fees may be higher than traditional loan options.
  • Comparison of alternative vs. traditional loans: Alternative loans can offer more flexible repayment terms and a quicker application process, but they may come with higher interest rates and fees.

Investment Accounts

Investment accounts such as Roth IRAs or individual brokerage accounts can be used to save for education expenses.

Here’s what you need to know investment accounts strategy:

  • Overview of investment accounts for education financing: Investment accounts such as Roth IRAs or individual brokerage accounts offer tax benefits and potential growth for savings earmarked for education expenses.
  • How to choose the right investment account: Consider your investment goals and risk tolerance, as well as any potential tax implications.
  • Potential tax benefits of investment accounts: Contributions to certain types of investment accounts may be tax-deductible, and withdrawals for qualified education expenses may be tax-free.

Conclusion

There are numerous smart strategies for financing your education without taking on student loans. By exploring your options, you can find the path that works best for you and your financial situation. Remember to start early, research carefully, and take advantage of all available resources to achieve your educational goals.

Seven online money making ideas for stay at home moms

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In today’s digital world, there are many online jobs that provide flexibility, money, and work-life balance opportunities for stay at home mom.

As a stay at home mom, starting an online job can give you the opportunity to show off your skills, pursue your interests, and make money for your family.

In this article, I will be showing you about six jobs that can be done to make money online. The good thing about online jobs is that some permit you to work with your phones as some employers require you to have either a phone or a laptop and a good internet connection.

Let’s take a look at some of the top job ideas for stay at home moms that you can find online.

1. Virtual Assistant Services:

As a stay-at-home mom, small business owner, or busy professional, virtual assistant services have become increasingly popular as companies look to outsource administrative duties. As a stay-at-home mom, you can use your organizational and multi-tasking skills to help entrepreneurs, small business owners, or busy professionals with tasks such as email management, appointment scheduling, data entry and social media management, as well as customer support.

2. E-commerce Store:

You can set up an E-commerce Store which will enable you to take advantage of the rapidly expanding e-commerce retail market. You will first need to find a niche that matches your interests and skills, then you will source for products to sell online, and create a visually appealing and easy-to-use online store. 

You can concentrate on efficient inventory management, smooth order processing, and effective marketing to increase your traffic and sales.

3. Online tutor:

If you are knowledgeable in a specific topic field, you can start offering online teaching or tutoring to people. Develop lesson plans and learning materials, and use online learning platforms or develop your own online courses. Offer your services to learners or people looking to learn and improve in your field.

4. Blogging or Content Creation:

As a stay at home Mom, you can make money as a content creator by leveraging your creative writing skills, and audience engagement to generate income streams.

Read Also: Nine most used apps in Nigeria

5. Freelance Writing or Editing:

If you love to write or edit, there are plenty of freelance writing and editing jobs available online. First of all, you will need to create a portfolio and build an online presence on Upwork and Freelancer platforms to showcase your writing or editing skills. 

Secondly, Develop client relationships, by providing quality work and secure recurring assignments to build a thriving freelance writing and editing business.

6. Social Media Management:

As a stay-at-home mom, you might probably have a lot of experience and know-how to manage social media pages. Use these skills to provide social media management for businesses that need help with their social media presence. Identify your target clients and industry, create interesting content, plan your posts, and track your social media metrics.

7. Handmade Crafts or Artistic Creations:

If you’re passionate about crafting or creating art, turn your passion into a business. Create handmade items or art and open an online store on platforms such as Etsy. Use effective marketing strategies like social media promotions, collaborations, and targeted advertising to reach your audience and increase sales.

Whether you decide to start a virtual assistant service, create an online store, blog, or create content, provide online tutoring services, write or edit freelance, manage social media platforms, or sell handcrafted items, the possibilities are endless. Starting an online business while being a stay-at-home mom allows you the flexibility, financial freedom, and fulfilment of running your own business.

Take advantage of your skills, interests, and the internet to start your own business. With hard work and determination, you can create a thriving online business while still enjoying the perks of being a mom.