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50 FREE online courses you can finish during the COVID-19 lockdown

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With COVID-19 sending everyone inside, you may be wondering what to do with all the extra time at home. Instead of getting lost in the sea of scary news and social media posts, turn your attention back to work.

With many live events going digital, and so many more resources already available online, now is the time to get ahead and bolster your résumé. This is how you boost your skills or learn new ones for free.

Here are links to free courses from some Ivy League schools like Brown, Harvard, Cornell, Princeton, Dartmouth, Yale, and Columbia Universities, and the University of Pennsylvania.

COMPUTER SCIENCE

PROGRAMMING

HUMANITIES

BUSINESS

PERSONAL DEVELOPMENT

Don’t be idle, educate yourself and gain more knowledge for free!

5 tips on staying healthy at home during the lockdown

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The Success of Online Gambling Operators During the COVID-19 Pandemic

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The COVID-19 pandemic has changed the world forever. While it appears that the situation is gradually improving, the way that people do things is likely never going to go back to pre-pandemic levels.

 

Countless sectors were negatively impacted by the pandemic. This includes the land-based gambling sector. As casinos and bookmaker shops had to close for extended periods of time, they were going without revenue coming in the door and often had to rely on government support to keep paying workers.

 

However, online gambling operators were the ones to take advantage of this situation, as people were still looking for ways to place sports bets and play their favourite casino games when they could no longer do so in person. This article will look at the impact the pandemic had on the online gambling sector.

 

Closure of Physical Locations

 

As the pandemic started to set in, politicians and health officials realized just how severe this virus was going to be. In the beginning, most people would not have been able to foresee just how long this situation would last.

 

As case numbers of COVID-19 continually increased, public orders were released closing entertainment facilities like casinos, bingo halls, and poker rooms. The people who relied on using these facilities on a regular basis then had to start looking elsewhere to get their bets placed or play their games. The natural solution for these people was online gambling platforms.

 

While a lot of people who frequented the physical facilities already had been using online platforms, there was also a whole new audience exposed to the online space. This bolstered the number of people who were utilizing these platforms across the board, creating a boom in the sector.

 

People also had more time on their hands, as well as often having more disposable income as they were stuck inside their houses doing nothing. Therefore, the spending among certain types of online gamblers increased dramatically during the period.

 

Online Sports Betting

 

For some time towards the beginning of the pandemic, most major sports all across the world were cancelled. There were only very limited sporting events on offer. This led to people betting on anything they possibly could, including table tennis, drone racing, and darts. As a result of the lack of sporting events, online sportsbooks suffered for a while.

 

However, ever since sports returned in a major way, there has been a boom in success for these online operations. People realized just how important sport is in daily life to keep people happy and entertained. This led to a lot of people watching more sport and also placing more bets a lot of the time on these events.

 

Games of Chance and Games of Skill

 

While of course, physical casinos had to close their doors, games of chance and games of skill were still readily available to people through online platforms. As there was a lack of sports betting opportunities for some time, this led to more people turning to popular casino games as these were always going to be available to play. There has been a consistent increase in the number of people playing these games, as well as a resulting increase in profitability for the operators.

 

One of the interesting trends seen was a rise in the number of people playing online slots. However, there was also a drop in the number of spins per average session or for the total gaming sessions that last up to an hour. Therefore, a lower proportion of people were engaging in more slots play than pre-pandemic.

 

There have also been some restrictions brought into place by gambling regulators that have slowed down spin speeds, which could also be having an impact. The aim of these types of restrictions has been to try to better protect problem gamblers by cutting down on the number of spins they can do in the course of a playing session.

 

Players Looking at Other Options

 

One of the other trends seen during the course of the pandemic was casino players looking for fresh opportunities to express themselves. With the gambling regulators constantly putting in place strict rules on gamblers and platforms, people wanted to have a greater sense of freedom.

 

This is why non-GamStop casinos offered sites like non-gamstop-casinos.com have been gaining popularity. These are platforms that are not licensed by the UK Gambling Commission (UKGC), meaning that they do not have to follow the strict rules and regulations of this body. Non-GamStop casinos often give you the chance to get access to a bigger game library, as well as more lucrative offers, and a better collection of payment options.

 

It is important that people are only using these platforms if they are fully in control of their gambling. That is because these casino sites allow people who are self-excluding through GamStop to avoid these blocks and to continue gambling.

 

An Interesting Future

 

The online gambling sector has been in a boom period thanks to the COVID-19 pandemic. While the physical casino sector is looking to get back to pre-pandemic levels, online gambling operators have gone from strength to strength. This trend looks like continuing as more and more people get access to and start using the internet on a daily basis.

 

While restrictions are easing across the world, land-based casino operators will be hoping that the transition over to online platforms is not a permanent one and that people in their large numbers will return to these physical properties when they get the chance to do so.

 

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A Serial Entrepreneurs Guide to Finding and Developing a Business Idea

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Most business ideas have been done repeatedly and, on some occasions, with a great deal of success. Finding and developing a great business idea can feel like an uphill struggle, but it doesn’t need to feel like this, and it does not need to be like this. If you conduct adequate research and if you commit to seeing through one idea, you will find it much easier to develop an idea, harness it, and make it your own. So, when it comes to finding and developing an idea, where do you need to start, and what should you be focusing on first.

Sticking and Committing to One Idea

You may have lots of ideas spinning around in your head, but it is important that you stick and commit to one at a time. Trying to do too much or spreading yourself too thin is not beneficial for anyone. So, before you try and take on more than you can handle, why not put together your list of business ideas and establish which one you will pursue and why. When you commit yourself to one idea, you ensure that you dedicate your time and energy to achieving the results and success you desire. To establish which idea, you need to stick with and commit to, you need to weigh up the pros and cons of each idea you have put forward. It can be so easy and so tempting to just run with the first idea that you write down or take a liking to, but realistically if you dive in too quick, you could end up on the road to failure, and this is, of course, not what you want.

A Beneficial Business Idea

You can still make money in business, even by helping others. Developing a business idea around something that gives back will leave you feeling good, and it will also leave the recipients of the business idea feeling good as well. As a serial entrepreneur, finding or launching an idea that gives back will be both appealing and rewarding. You will be fostering goodwill, and you will be launching and harnessing a positive image for yourself and your brand at the same time. So, what kind of business idea can you introduce that would or could benefit others? For example, you could put together treatment packages for professionals to ensure that they are practicing self-care, such as Self care for nurses or self-care for doctors. Or you could focus on putting together packages that support fellow small business owners. Supporting, helping, and assisting others is commendable and is something that can be worked into a watertight business idea.

Spotting a Gap within the Market

Having an idea that has potential is what every entrepreneur wants and needs, but how do you find an idea with real and true potential? Well, you spot and then exploit a gap in the market, of course. When there is a gap in the market, no matter how small, you can exploit it and turn it from a business idea into a profitable business. When it comes to spotting a gap in the market, you need to begin looking at areas or industries that you are interested in first and foremost. You will not be able to target all marketplaces and industries when looking for an idea that has potential. So, start by targeting areas that are of interest to you because when you are interested and passionate about a market or industry, you are more driven to succeed.

Conducting Market Research

When you have spotted a gap in the market, you then need to start conducting market research. When it comes to carrying out market research, you need to utilize both primary and secondary research to establish if your idea has the potential to make money or not. Investing in the market research may seem unnecessary, but it is crucial, especially in the early stages of business idea development. If you do not invest in market research, how can you confidently be sure that you are investing your time and money into a sound idea?

Seek Support and Assistance

When it comes to getting the right idea, you need to seek support and assistance as and where you can. For example, family members may be able to help you see something you may have overlooked or missed when researching ideas. In addition, you may find that trade bodies or other professionals may be able to provide you with additional figures, research, or statistics that you might not have considered before or had to access to. Do not be afraid to reach out to others for support and assistance because this guidance can help you determine which idea to go with and why. To get the guidance and support you need, you can take advantage of networking as well. Meeting new people and gaining new insights may even help you once again to see, or spot things that you might have missed previously.

Set a Deadline or Timescale

Researching a new idea can take up a lot of your free time. It is important that you establish a deadline and a timescale for researching and creating business ideas and bringing them to fruition, or else you will find that you will be investing a lot of time, effort, and funding and not really getting a lot in return. When you are researching and finding new ideas, you need to give yourself weeks and months, and not years. It is important to remember that you can over-research an idea, and in the process, you can end up wasting time, so establish a deadline as soon as you can to ensure that you can bring the idea to the market before somebody else does. When you have a deadline in place, you ensure that you make your research time count. Wasted time equals wasted money, and missed opportunities, so stay on the ball with your research, and do not go over the top.

 

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Ghanaian-born entrepreneur Samuel Baddoo’s Fleri Inc Joins Techstars

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Samuel Baddoo
Young Ghanaian-born entrepreneur Samuel Baddoo fintech startup, Fleri Inc joins the prestigious Techstars.
Fleri Inc, startup that puts the immigrant financial wellness at the forefront joins the Techstars
Fleri Inc., a personal finance company for immigrants known widely for the FleriHealth product which enables immigrants to buy affordable healthcare plans for their loved ones back home, will join the Techstars Toronto Accelerator Program starting this October.
Techstars is a seed accelerator that runs an intensive mentorship-driven program for founders and early-stage startups and entrepreneurs. Fleri will join 10 other startups in the Techstars Toronto 2021 cohort as it sets its sights on global expansion. The Techstars Toronto Accelerator Program is designed to provide mentorship, funding, and access to its network, beginning with a Demo Day at the end of the guided program. When selected, startups will be able to pitch to a carefully curated group of investors.
Since it launched in 2020, Fleri, which was founded by Ghanaian-born entrepreneur Samuel Baddoo, has kept the immigrant experience at the forefront of its mission. The company focuses on providing solutions and products that uniquely empower immigrants to take control of their financial lives. Knowing that 83% of the time, immigrants will send money to cover a health emergency faced by a dependent relative back home, Fleri released its first product: FleriHealth.
FleriHealth enables immigrants, beginning with those from Africa, to directly sponsor healthcare plans for their loved ones and families back home rather than sending traditional money transfers.
In their pilot year, FleriHealth has enabled more than 220 family members to access quality healthcare in Ghana and Nigeria.
Fleri partnered with five health insurance companies and other healthcare providers in its pilot markets giving the beneficiaries of immigrants access to healthcare benefits such as traditional health insurance coverage and more personalized care options.
The company also provides a concierge care service powered by 400 nurses for families of immigrants from Nigeria.
According to Baddoo, Fleri enhances peace of mind for immigrants, given the knowledge that their loved ones have healthcare coverage around the clock and by eliminating most of the fees and transaction costs paid through traditional money transfer services.
Fleri’s digital platform enables immigrant users to protect their loved ones back home without sacrificing their own financial wellness. Fleri customers and beneficiaries also receive health alerts and wellness reports to track the care given underscoring the platform’s ability to enhance access to life saving information.
Fleri, which means “to Flourish” in Haitian Creole was born out of Baddoo’s own experiences as an immigrant in the United States. After losing his Grandmother last year due to the challenges within the healthcare system in his country of birth, Ghana, he set out to create a solution that will help fellow migrants avoid the same pain – one that immigrants in Canada know so well.
“Toronto is regarded as the most immigrant-concentrated city in the world, with 52 percent of our population being foreign-born,” says Sunil Sharma, Managing Director of Techstars Toronto.
“When we met the team at Fleri it became clear to us that they are solving such a fundamental problem in the minds of immigrants, how to ensure the health of their loved ones back home, no matter where they live.
Although Fleri’s first focus is in providing healthcare coverage for families of migrants living in the diaspora, Sharma acknowledges that Fleri’s potential goes beyond healthcare.
“Fleri has a massive opportunity to grow its products beyond funding healthcare via remittances into full empowerment of immigrants to take control of their financial lives,” says Sharma.
“Immigrants in Toronto constantly think about their loved ones back home and always want to do more to support them. Fleri finally allows them to take action and make an immediate difference in their lives.”
As for expanding its operations, Baddoo says, “Fleri’s focus on empowering immigrants to flourish financially will be matched in turn by Toronto’s vibrant diversity and Canada’s reputation for being immigrant-friendly. This combination will create the perfect catalyst for Fleri’s growth, enabling us to develop relevant financial products with which immigrants will support their loved ones back home and enhance their own financial wellness.
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AskNano officials pay courtesy call on LEKMA assembly

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Officials from AskNano, a new business listing app have paid a courtesy call on the LEKMA Municipal Assembly in the Greater Accra Region.

 

The visit to the Assembly was important as LEKMA was being used as the initial catchment area for its pilot.

 

Led by Nour Nader, Director of AskNano, the team on Thursday, October 21 met with executives of the Assembly to formally introduce the App and its impact on the municipality to the team.

 

Speaking at the meeting, Nour Nader said the App is a one–stop solutions platform which allows users all over Ghana to promote their businesses and services.

 

AskNano provides you with a platform through which users can find all the above and many more within seconds. Asknano embraces all types of businesses from Small scale enterprises to bigger companies within their app, one would no longer have to go around asking throughout their neighbourhood for inaccurate and biased advice. You can market your business and can handle your multiple Businesses under one account.”

 

She added that “The goal of AskNano is to provide Ghanaians with a worry-free life by handing them all the knowledge they need to be able to live the best comfortable life. AskNano is here to help you interact with your friends and your customers via chat to give the best service. All users need to do is search the

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Absa Group Board appoints Sello Moloko as Chairman-designate

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Sello Moloko

The Absa Group Limited Board today announced the appointment of Sello Moloko as independent non-executive director and Chairman-designate with effect from 1 December 2021.

 

Sello will take over from Wendy Lucas-Bull who will step down on 31 March 2022, which marks the end of the nine-year period during which Wendy would have served as an independent director and as Chairman of the Absa Group Board. Absa advised of the Chairman’s impending retirement in October 2020.

 

“We are delighted to welcome Sello to the Absa Board. He brings extensive experience as a leader in the financial services industry, with a proven track record as an executive, entrepreneur and a board member at companies across several industries,” said Wendy.

 

Sello has a career spanning close to 30 years in the financial services industry. He is a former CEO of Old Mutual Asset Managers. Thereafter, he founded Thesele Group, an investment holding company where he is the Executive Chairman.

 

He has served as Chairman on the boards of Alexander Forbes Group Holdings Limited, Sibanye-Stillwater Limited and General Reinsurance Africa Limited (a Berkshire Hathaway company), among others. He is also a trustee of the Nelson Mandela Foundation.

 

He currently serves as Chairman on the board of Telkom SA SOC Limited and Momentum Metropolitan Holdings Limited. He will relinquish his role on the Momentum Metropolitan Board prior to joining the Absa Group Board.

 

“I am honoured by the opportunity to join Absa. As one of the largest banks on the continent, Absa can support the economic growth of our continent in a significant way,” said Sello. “I have been inspired by the way in which Absa has evolved into a strong, standalone African bank that is recognisable across the continent. I commend the Board and executive team for this accomplishment and I look forward to being part of the company’s future journey,” he added.

 

Soweto-born Sello obtained a BSc with Honours in mathematics and a Post Graduate Certificate in Education (PGCE) from the University of Leicester in the UK. He has completed various business courses, including the Advanced Management Program from the Wharton Business School. Sello is also committed to community development initiatives in Soweto and Cape Town.

 

 

For more information please contact:

 

Phumza Macanda

Absa Group Media Relations

082 899 3293

phumza.macanda@absa.africa

 

About Absa Group Limited

 

Absa Group Limited (‘Absa Group’) is listed on the Johannesburg Stock Exchange and is one of Africa’s largest diversified financial services groups.

 

Absa Group offers an integrated set of products and services across personal and business banking, corporate and investment banking, wealth and investment management and insurance.

 

Absa operates in 14 countries. The Group owns majority stakes in banks in Botswana, Ghana, Kenya, Mauritius, Mozambique, Seychelles, South Africa, Tanzania (Absa Bank Tanzania and National Bank of Commerce), Uganda and Zambia and has insurance operations in Botswana, Kenya, Mozambique, South Africa and Zambia. Absa also has representative offices in Namibia and Nigeria, and securities entities in the United Kingdom and the United States.

 

For further information about Absa Group Limited, please visit www.absa.africa

 

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Top Tips to Look like a Celebrity with Botox

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If you are constantly reading the celebrity gossip columns and want to look as good as the celebrities that you admire, you might be considering getting Botox to achieve this. Many celebrities get Botox to help them to retain their youthful looks, and you can too. So, read on to find out how you can look like a celebrity and get the right amount of Botox for you and your skin.

·      Get the Right Amount

There have been many celebrities who have opted for too much Botox and who have been known to have a frozen face or arched eyebrows after consecutive Botox sessions. Although you might want to look like a celebrity, getting too much Botox is not the way to do this, and it is much more important that your Botox can look natural. Therefore, you should speak to a professional about how much Botox you will need. You might also decide to avoid getting Botox at a young age and ensure that you do not have injections too often to prevent negative side effects.

·      Get Botox for the Right Reasons

Rather than just getting Botox for the sake of it, you should consider getting Botox to erase frown lines, laugh lines, and crow’s feet around your face. Many people develop wrinkles on their forehead and around their eyes and this can make them look older or can damage their self-esteem. However, the right Botox procedure can help to minimize the appearance of these for a long time to come, especially if you remember to get frequent Botox treatments, which is what celebrities do.

·      Find a Professional

Although you might be looking for the cheapest option when it comes to Botox, you need to make sure that you are being seen by a professional who has a lot of experience in the field. For instance, at Dermani Med Spa, they can help you to get the Botox treatments that you need in a welcoming environment. They also offer a range of other treatments, such as laser hair removal and even facials that can allow you to indulge your skin and enjoy a little added luxury in your life, while keeping you looking your best for a long time to come. You should always make sure that you check the credentials of the professional that you are being seen by and discuss what you want out of the procedure with them before you go ahead with it.

·      Keep These Treatments Up

However, the reason that celebrities look so good is that they can keep these treatments up. The effects of Botox might fade over time, especially if you do not look after your skin, and so it is important to visit the clinic regularly to keep the effect that you are going for and make it long-lasting.

·      Prepare for the Cost

You should know that more celebrities have Botox than other people because it can be costly, especially if you have it for a long time. You should always research the cost, avoid skimping on the cost if it will result in lower quality treatment, and try to save up for the treatment or opt for a loan that can help you to get the Botox you need when you need it.

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