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5 Important Financial Decisions You Should be Considering

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hNot everyone is money savvy, and sometimes, it takes some practice to get your finances in order.

You may be in debt or are trying to save for a house. It’s frustrating when you can’t reach your goals, but that doesn’t mean you should give up!

There are indeed many financial decisions to make. But that shouldn’t freak you out. Making these choices allow you to pave the way to a profitable future!

Here are five important financial tips to consider. It’s time for you to develop positive money habits for the long haul!

1. Plan for Your Future

Planning for your future sounds easy enough, but the problem is many of us forget to do that. You have to admit it’s easy to shrug off finances and ignore them.

But instead of burying your head in the sand, set up some financial goals for yourself. If you’re not sure where to start, you can always get advice about your finances. Hearing from professional financial advisors Perth can help as they are experts. Additionally, other people who want to improve their habits also can be beneficial to talk to.

Whether it’s to pay off debt or buy a house, write out a timeline. Having a plan in place, even if it needs to change, later on, is an excellent place to start. So if you’re thinking about ensuring your future finances are looked after, then you might want to look into some long-term investment options such as looking to SAP Aktie kaufen or other stocks and shares that can allow your money to work for you, even through retirement when you are no longer employed.

Don’t try to go through life without having any goals. Otherwise, it’ll be challenging to accomplish what you want to achieve!

2. Buy a House

Suppose you’re eager to buy a house and are ready to put down a down payment. If that’s the case, that’s exciting news! Owning a home has many excellent benefits and is a wise financial decision to make.

A few pluses of getting a house are gaining equity and making an investment. (We’ll discuss investments more next.)

As you pay off your mortgage each month, you’ll continue to gain equity. That equity will eventually lead to you paying off your house in full!

Buying a home is also an investment, assuming you make a profit. There’s no guarantee you’ll make money on your home. But, you can be wise about where you plan to settle down. SAP Aktie kaufen provides amazing services in that regard.

Before purchasing a home, do some research on whether the area will continue to grow. That is one significant indicator of whether you can sell your house one day and make money off of it.

3. Save for Retirement

To live your golden years to the fullest, set aside enough money for your retirement.

It’s easy to keep putting off investing, especially if things come up, such as buying a house. While it’s good to pay off debt, saving for retirement is just as, if not more important!

Even if you’re middle-aged and haven’t correctly set up a retirement fund, it’s never too late!

Make it your goal to set aside part of your income each month. Even if it’s only $300 a month, the compound interest will build over time.

Start investing now so you can build a nice little nest age for when you retire.

4. Pay Off Debt

If you’re in debt, it’s hard to save for your future unless you pay it off. As we mentioned, it’s essential to set aside money for your retirement.

It’d be ideal if you can find a way to save money for your future and pay off your debt. Paying off debt isn’t an easy feat, but it may mean you’ll have to crack down and buy fewer things for now.

Develop a financial plan for yourself so you’ll have a good idea of how soon you can pay off debt, whether it be credit card bills, student loans, car loans, or another form of debt.

That way, you can make other sound financial decisions, such as saving for retirement.

5. Write a Will

If you’re young, writing a will is probably the last thing on your list. But it’s smart to do this sooner rather than later.

Your family should know what you’d like to do with your money and other valuables when you pass.

Having a will ensures everyone will know what goes to whom. Plus, it’ll answer other critical financial questions.

Even if your family knows of your wishes, having it outlined in a will simplifies the process.

In Conclusion

Making the right choices when it comes to your finances can greatly impact your life. To ensure it changes your life in a positive way, start taking strides to get your finances in order.

It may not happen overnight, but by establishing a plan, in time, you’ll accomplish your goals.

And who knows, you could reach your objectives more quickly than you thought you would!

Making these five financial decisions will steer you in the right direction, so get to it!

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People & Lifestyle

Dede, Big Brother Naija among most-watched titles in Ghana in 2021, according to viewing statistics

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Ghanaian telenovela Dede and Big Brother Naija S6 were among the top 10 most-watched African titles on Showmax in Ghana in 2021, according to 2021’s viewing statistics from Showmax.
Ever since it premiered in March 2021, Dede, which follows the tortuous romance between a girl from humble beginnings and her rich employer’s son, has been one of the most popular shows among Ghanaian viewers on Showmax.
Now in its 230th episode (and counting), Dede is directed and produced by the award-winning filmmaker Shirley Frimpong-Manso, known for Ghana’s box office hit The Perfect Picture (and its sequel) and the ground-breaking drama series Shampaign.
Speaking about the popularity of Dede, Shirley said, “I had hoped the show would be a home run, but it has certainly exceeded my expectations with the overwhelming support and popularity it has gained.”
Dede is Shirley’s first-ever telenovela project. She says this was a daunting experience at first but she fell in love with the fact that it was a Cinderella story. “That was my favourite childhood story. Plus it was a female-led role, which was the icing on the cake for me.”
Big Brother Naija S6: The Buzz, the Showmax exclusive hosted by Toke Makinwa, also featured in the coveted list of 2021’s most-watched, alongside another Ghanaian title – the drama series To Have and To Hold.
To Have and To Hold, which wrapped up production of season 1 in November 2021, follows three women (played by Lydia Forson, Naa Ashorkor and Zynell Zuh) as they navigate relationships and their careers in Accra.
Naa Ashorkor, who plays To Have and To Hold’s humble housewife Enyonam, said, “It feels good to be part of the winning team. We put in a lot to make this project successful. We worked hard on this project! I am happy Ghanaians love it.”
Ghanaians also loved the Ghanaian-Nigerian star-studded Showmax Original comedy series Ghana Jollof; The Mrs. and the Mistress, starring beloved Ghanaian actress Jackie Apiah; and Cartel: The Genesis, the action thriller starring Adjetey Anang as a dedicated agent who leads an elite unit to take down a powerful drug syndicate.
Other titles that made the list include Ghanaian comedy drama Little Problems, starring Godwin Namboh; the Showmax Original film Rogue,starring Megan Fox as a mercenary leading a team trapped between merciless militants and a killer lioness; and Nollywood film A Thousand Ways to Break a Cheating Man, directed by Kayode Kasum and starring Bimbo Ademoye and Uzor Arukwe.
See below the full list of the top 10 most-watched African TV shows and movies on Showmax in Ghana in 2021 (in alphabetical order)
  • A Thousand Ways to Break a Cheating Man – Movie
  • Big Brother Naija S6 – Reality series
  • Big Brother Naija S6: The Buzz – Reality, Talk show
  • Cartel: The Genesis – Movie
  • Dede – Telenovela
  • Ghana Jollof – Comedy-drama series
  • Little Problems – Movie
  • Rogue – Movie
  • The Mrs. and The Mistress – Movie
  • To Have and To Hold – Drama series
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Fashion

5 Trends You Need to Try This Wedding Season

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Weddings are one of the biggest celebrations in India. Everyone around the world adores the grand festivities taking place in the ceremony.

 

Speculations suggest COVID-19 and multiple lockdowns caused the steep rise in weddings during the winter of 2021. Experts think 2022 will witness the same trend again since there are a lot of couples who have postponed their wedding to 2022.

 

Have you started planning your outfit already? Don’t worry have got you covered!

 

The grand wedding of Vicky Kaushal and Katrina Kaif was all we talked about as 2021 ended. Before the lovely pair tied the knot, other Bollywood celebrities got hitched as well.

 

We saw a lot of brides sticking to pastels and classic red for their lehenga. The attires were kept lightweight and were flowery. Plunging necklines were sported by many. Another highlight among the 2021 bridal fashion was the bird motif.

 

As for 2022, micro weddings have become a thing of the past. Couples are choosing to celebrate their D-day with grandeur.

 

Trends for the upcoming weddings will witness family-style meals, long-weekend weddings, and stunning wedding guest styles. Read The Wedding Trends That Are In-and Out-For Fashion In 2022 by Vogue.

 

The events will be power-packed with girls sporting stunning lehengas. Other than lehengas, Anarkali silhouettes will be a favorite among guests.

 

How Can You Style Them?

 

1.   Anarkali

Image Source: HouseOfIndya

 

An Anarkali never fails to dazzle anyone. The beautiful silhouettes and designs make you look like royalty.

 

Taking inspiration from trends from last year, you can opt for an Anarkali with a bird motif. You can wear classic red or stick to pastel based on the theme of the occasion you attend.

 

Monochrome, black Anarkalis are ideal for a reception or a wedding happening the night.

 

You can check out gorgeous designs from top designers like Tarun Tahilini, Ritu Kumar, Surbhi Gupta, and so on.

 

2. Power Your Look With A Dupatta

 

Image Source: HouseOfIndya

 

While many underestimate the charm that a dupatta can bring, it is undeniable how a dupatta can brighten your overall outfit.

 

Follow dupatta styles such as The Tuck-In, Wrap Around, Saree Style, Side See-All to style your lehengas and suits.

 

There are a variety of dupatta materials that are available to choose from. Also, these can save you big bucks. How? You can re-invent your old suits instead of buying a new outfit altogether.

 

3. Saree

Image Source: HouseOfIndya

 

Weddings in 2022 are going to be a grand affair. And sarees will help you look just as stunning. Sarees are comfortable and suit all different body shapes. You can style them in various ways and add your X – factor to it.

 

We are seeing a lot of girls sporting chiffon sarees. They are beautiful, but you may also consider classic pieces like Kanjivaram sarees or Banarasi Silk while making a purchase.

 

Choose your accessory based on the saree and event.

 

Many designers have beautiful collections of Sarees. Make sure you check out collections from Sabyasachi, Anita Dongre, Tarun Tahilani to stay up-to-date with the latest styles and trends.

 

4. Ethnic Crop Tops

Image Source: HouseOfIndya

 

The crop top look, paired with a lehenga skirt, rules the wedding guest styles. Many women opt for this for its comfort and effortless style.

 

How To Style It?

 

Be bold and go for a plunging neckline. Choose a skirt having intricate details, choose a top that compliments your lehenga. You can either wear or ditch your dupatta.

 

You can try several other styles as bird motifs, embroidery with this look.

 

5. Patiala Suits

 

Last but not the least, Patialas are going to rock in weddings of 2022!

 

For Haldi, Mehendi, and other such ceremonies, Patiala is ideal. These days there is a rise in popularity for sharara-style Patiala as well.

 

They are optimal for day functions as well as night functions. And you don’t have to worry about styling them. You can sport your classic Jhumkas. You can either leave your hair open or braid them. Styling them is super easy, making a Patiala a favorite among girls.

 

Voila! These are the five trendy styles you can try at upcoming weddings. We hope this article helped you gain an insight into the expected trends of 2022.

 

 

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People & Lifestyle

MTN Group CEO/ President Engages Bank Of Ghana, Minister Of Finance And Other Key Stakeholders

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MTN Group CEO and President Ralph Mupita has paid a day’s working visit to Ghana to engage some key stakeholders of the business and reiterate MTN’s commitment to help grow the telecommunications industry in Ghana.

 

The Group CEO and his team of executives paid courtesy calls on the Bank of Ghana, Ghana Revenue Authority, Ministry of Finance and the Ministry of Communications and Digitalization to interact and discuss issues of mutual interest.

 

During the visit to the Bank of Ghana Mr. Mupita expressed his appreciation to the Central Bank for the support given to the business over the years. In his remarks the Governor of The Bank Dr. Ernest Addison congratulated MTN for the work done in the mobile financial services sector and indicated the BOG will count on the business to champion innovation and Financial Inclusion. Dr Addison was joined by the 2nd Deputy Governor Mrs Elsie Addo Awadzi.

 

Ralph Mupita and his delegation then called on the Commissioner General of the Ghana Revenue Authority Rev. Amishaddai Owusu-Amoah and his deputies where he commended Ghana for encouraging headline growth last year.

 

In his engagements with the Ministry for Finance and the Ministry of Communications and digitalization, Ralph reiterated MTN Group’s commitment to the Ghana market and the company’s continuous support to the Government of Ghana in achieving its digital agenda.

 

This is the third visit of the Group CEO to Ghana since he assumed office.  The Group CEO is being accompanied by the Vice President for WECA Ebenezer Asante, CEO of MTN Ghana Selorm Adadevoh, CEO of Mobile Money Ltd Eli Hini, Chief Corporate Services Officer Sam Koranteng and Chief Finance Officer Antoinette Kwofie.

 

The visit to Ghana is part of Ralph’s commitment to growing MTN’s business in the various markets by consistently engaging local authorities to understand their expectations and to foster cordial working relationship. Ralph’s next stop is Nigeria where he will also engage key stakeholders.

 

 

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People & Lifestyle

TOP 10 Motorcycles 2022: Today’s Best Bikes

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The start of a new motorcycle season is a good reason to think about buying a new iron horse. We have selected the 10 best deals of this year, among which you will find sports Motorcycles, cruisers, and small-capacity models.

  • Suzuki hayabusa
  • BMW M1000RR
  • Ducati Multistrada v4 Pikes Peak
  • Honda grom
  • Harley Davidson pan America
  • BMW R18 Transcontinental
  • Indian super chief
  • Triumph bonneville bobber
  • KTM 1290 Super Adventure S
  • Honda goldwing

Suzuki hayabusa

Known as the fastest production motorcycle, the Suzuki Hayabusa has been in production for over 20 years. The new third generation model features a 1340 cc liquid-cooled four-cylinder engine. The power unit complies with the Euro 5 exhaust standard and produces 187 hp. and a torque of 110 Nm. The bike gets cruise control, lift hold control, launch control and more.

BMW M1000RR

BMW M Automotive has taken part in the development of a motorcycle based on the S1000RR sports model. Improved chassis geometry, carbon fiber wheels and AMP brakes. The redesigned 999cc liquid-cooled engine features Cam Shift Technology. The maximum power reaches 212 hp. (113 Nm), but it is limited to 205 hp. to meet exhaust and sound standards.

Ducati Multistrada v4 Pikes Peak

The 2022 Ducati Multistrada v4 Pikes Peak sports bike has achieved record service intervals of up to 37,500 miles by replacing the Desmodromic valve with conventional springs. The 4-cylinder 1158 cc engine achieves 170 hp. (125 Nm). The model has 17-inch wheels with sports tires, a fully adjustable inverted fork and a mono-shock absorber. Provides adaptive cruise control with radar support, blind spot monitoring, ABS, Wheelie control, traction control.

Honda Grom

In 2022, the model retained the 125cc air-cooled engine producing 10hp. The five-speed transmission allowed for extra energy at low revs. Redesigned seat and 5-spoke 20-inch wheels, LED headlights provide excellent lighting. ABS version available with IMU function.

Harley Davidson pan America

The motorcycle is presented in two specifications. Both received a 1250cc liquid-cooled 60-degree V-Twin engine with 145bhp. (122 Nm). The standard model received suspension components from Showa, while the special version received semi-active suspension technology, optional adaptive ride height and a full range of adventure parts (bumpers, centerstand, etc.).

BMW R18 Transcontinental

One of the best options for long distance travel. This cruiser is powered by a 1802cc twin-cylinder boxer engine with 91 horsepower. air / oil cooled. Transmission – six-speed with single-plate dry clutch. For greater comfort, you can choose between three driving modes. Standard driver assistance features include dynamic cruise control, lift control, automatic stability control, and reverse assist.

Indian Super Chief

The model is specially designed for long driving: with a cruiser steering wheel, windshield. The Super Chief is powered by an air-cooled 49 degree v-Twin Thunderstroke 111 ci. The package includes cruise control, optional ABS, different driving modes. A special feature of this motorcycle is the ability to deactivate the rear cylinder.

Triumph Bonneville Bobber

The cruiser got more muscular lines this year. The power plant of the Euro 5 standard is a two-cylinder 1200 cc engine with 76 hp. liquid-cooled, which is paired with a 6-speed transmission. Comfort and safety are provided by switchable traction control, cruise control, ABS.

KTM 1290 Super Adventure S

Designed as the name suggests, this model is for adventure. Perfect aerodynamic design, multiple driving modes, semi-active block suspension technology, 1301 cc Euro 5 engine with 160 hp. – this is not a complete list of the motorcycle’s advantages. The driver is assisted by two-channel adaptive cruise control, traction control, radar-dependent EPS with emergency braking and blind spot detection.

Honda Goldwing

For almost 50 years, the Honda Goldwing has been giving its owners the maximum pleasure from a comfortable ride. The 2022 is equipped with a new suspension, a 6-cylinder 1,833 cc engine with 125 hp. and 170 Nm of torque, a manual six- or seven-speed automatic transmission to choose from. The bike is nearly 90 pounds lighter and the roof rack has increased in volume. For the convenience of the driver, a TFT display, Apple CarPlay and Android Auto, 4 driving modes and much more are provided.

 

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People & Lifestyle

Union of Professional Nurses and Midwives embark on medical outreaches across the country

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The Union of Professional Nurses and Midwives, Ghana (UPNMG) as part of preparations for their Mega National launch, has organised medical outreaches in some parts of the country.

The Volta/Oti and the Central Regional branches of the Union on January 20, 2022, rolled out blood donation exercises as well as medical screening in Kete-Krachi, within the Krachi West Municipal Health Directorate.

This was for a myriad of health conditions such as Hypertension, HIV, Hepatitis B and Malaria.

Sugar levels (Random Blood Sugar) and Hemoglobin levels were also checked for beneficiaries with no cost involved.

The exercise supported by the Municipal Hospital and Health Directorate attracted over 60 residents for the blood donation exercise while over 100 were medically screened.

It had in attendance the Krachi West Municipal Hospital Deputy Director of Nursing Services (DDNS) as well as the Volta Regional Public Health Nurse.

A similar exercise was organised in the Central Region in collaboration with the Cape-Coast Teaching Hospital at the Abora market where several pints of blood were also donated.

Other regions are also expected to carry out similar exercises in the coming days.

The Union has been at the forefront of the nursing and midwifery profession and has been relentless in its quest to improve upon the working conditions of nurses and midwives in the country.

It is the first Union within the noble nursing/midwifery profession to institute a loan scheme dubbed the UPNMG Loan Scheme for its members which runs at an interest rate of 11%.

It has also another scheme for its members dubbed the UPNMG Mart/UPNMG Hire Purchase Scheme which has been in operation since May 2020.

The leadership of the UPNMG have also cushioned its members with the UPNMG Insurance via a partnership with Enterprise Life Insurance and is set to roll out the UPNMG Land Policy.

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People & Lifestyle

Earning salary only manages poverty – Paul Mante

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The Managing Director of EDC Investments Ltd, Paul Kofi Mante has advised salaried workers to invest and explore other streams of income in order to attain financial independence.

According to him, depending solely on monthly salary will only manage poverty and will never help one achieve financial independence to live a desired life.

“Traditionally, this has been the thinking, find a good education, find a good job with some secure benefit, work till you are 60 and get a good pension, this thinking belongs to the old school, it doesn’t work in the year 2022 and beyond.

“In the year 2022 and beyond, the new way of thinking is you have to manage personal finances so that you are able to create wealth but ultimately the reason why you are creating wealth is that you want to become financial independent which simply means getting to that stage where you can sustain your desired lifestyle without salary,” Mr Mante said on the Effective Living Series on Citi FM Tuesday, January 25.

Speaking on the theme ‘Rebuilding Wealth Through Financial Planning’, Mr Mante added that “Salary is the medicine for managing poverty, it does not cure poverty only an investment or business cures poverty, not all of us can run a business but everybody can invest because if you don’t find a way to make your money work whiles you are sleeping you will keep working at the time you must be sleeping.”

The MD for EDC also outlined five key areas that one must deliberately plan around in 2022 which includes; Retirement, Housing, Children’s Education, Giving back and the High Life.

Mr Mante also stated that the God Factor and appropriate information are the two key factors that can help one achieve financial independence and create wealth.

According to him, the God factor gives you the financial resources and attract the ideas and opportunities while having the appropriate information in the financial sector helps one to “manage, multiply and preserve what you have.”

Mr Mante admonished students and young people yet to start work to seek financial literacy to properly put in place measures that will help them become financially independent before the age of retirement.

In case you need help to draw up a financial plan you can contact an official at EDC Ghana by clicking the WhatsApp link attached https://wa.link/dqr3zs

 

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