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Building Insurance – Is it a Legal Requirement?



Whether you plan on purchasing a new building or already own an existing structure, building insurance is something that you can purchase. Many people get confused trying to understand whether or not they are required by law to have building insurance on their structure. The truth is that it’s a little bit more complicated than just a yes or no answer.

What Is Building Insurance?

Building insurance, defined as simply as possible, is a type of insurance policy for a structure. This type of insurance covers the walls, roof, floors, and fixed attachments to the structure in the event that damage occurs. There are many different causes of damage that will be specified in your policy. While each policy perils are different, here is a list of the most common events that will be covered:

  • Fire
  • Vandalism
  • Subsidence
  • Water Damage From Leaking Pipes
  • Vehicle Collision
  • Falling Trees
  • Adverse Weather Conditions

When Are You Required To Have Building Insurance?

Now, you should have a fairly clear idea of what building insurance is. This type of insurance is selective and not required by law. However, that doesn’t mean that you don’t have to have it. According to Money Expert, you’ll need to have building insurance if you fall into any one of these three different categories below.

  • You have a mortgage on your property. The lender is going to require that you have building insurance on the property until your mortgage is repaid. This is to protect their investment of funds. 
  • If you own both a leasehold and a freehold, then you’re going to need to have insurance on the freehold. This holds true whether you own the freehold independently or if you’re a partial owner of the freehold with other tenants.
  • You rent out your non-owner occupied building to tenants. You’re required to have building insurance for the property as long as it isn’t your personal residence.

Factors To Consider When Purchasing A Building Insurance Policy

Hopefully, you have a good idea of whether or not you’ll need to have building insurance on your property. If you’ve figured out that you do or you simply want to have the coverage for your building, there are some factors that you’ll need to take into consideration. These will ensure that you get a policy that not only covers the monetary cost of rebuilding your property, but also a policy that fits all of your desired needs.

Know The Perils That Are Covered

You learned above the most common types of perils that are covered in most building insurance policies. However, every single policy is going to vary from the next. For this reason, it’s vital that you talk with your insurance agent about what perils will be covered. You don’t want to assume that flooding is covered and end up not having coverage if that situation occurs. You may find that with some policies, you’ll have to purchase additional coverage options, such as flood insurance, which will increase the cost of your monthly premium.


Know Your Coverage Limits

The most important part of any policy is having the right amount of coverage for the building that you have. Coverage is typically broken down into three different categories. These include the structure, contents, and liability. The structure is basically the cost of rebuilding the structure. The contents part of the policy is to cover the costs of the contents inside of the building. These are basically all the things that aren’t physically attached to your home, such as the appliances. Lastly, there is liability coverage that pays in the event that you’re held liable for someone else’s injury that happened on your property.

Understand Your Deductibles

Before your building insurance coverage is going to kick in, you’ll be responsible for paying a deductible. This is a set amount of money that is due to the insurance company before they will pay for the damages that occurred. As a general rule of thumb, the higher the deductible, the better your insurance policy will be. In contrast, the lower your deductible is, the less coverage your policy is likely to have.


Building insurance is something that you need to be aware of it you plan on purchasing a building in the future. While there are some legal requirements for building insurance, many of the requirements for having this type of policy come from the mortgage lender. By understanding what this type of insurance policy is and how it can benefit you, you can better determine what exact policy is right for your property.




People & Lifestyle

Meet Demzy Baye: the force behind ‘Yeshua’ and ‘Darling Jesus’ dance challenges



Demzy Baye has transitioned from nursing to becoming an award-winning internet sensation, adored by the youth for his viral dance challenges. He is only getting started. Here is his story. (more…)

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People & Lifestyle

12 Assumptions Slowing Down Your Performance (And How EI Can Come To Your Rescue) – I



Dr. Abiola Salami

It is said that assumption is the lowest level of intelligence because greatness is anything but accidental; it is intentional and deliberate. Assumptions can be used as placeholders pending the arrival of empirical data. In the marketplace, sustainable growth cannot be a result of assumptions because scare resources would then be used on a trial and error basis instead of an objective and scientific approach which sufficiently explains the different relationships amongst the variables at play. Assumption in itself is an indictment on both self-leadership and organizational leadership because it underscores the lack of investment in personal development as well as research and development.

Emotional intelligence therefore becomes a critical antidote to assumptions because it literally operates on intelligence. Emotional intelligence empowers a people and by extension, the organization with awareness of themselves first because without that, nothing else can really be achieved. It follows the iconic submission of famed Greek philosopher, Socrates, “man know thyself”. Unsurprisingly, there is a direct correlation between knowing oneself and knowing what one can do. Thus, assumptions can cripple a person or organization’s output, thankfully, emotional intelligence can come to the rescue.

As we host leaders across the globe to drive transformational leadership with The Magic of Emotional IntelligenceTM in Mombasa, Kenya from June 23rd – 29th 2024, we present to you in the next 3 episodes, 12 Assumptions slowing down your performance and how emotional intelligence can come to your rescue. 

Assumption #1 – More Meetings Are A Sign Of Productivity


The key word here is productivity, not activity. Many organizations erroneously believe that when team members meet to discuss ideas or tasks more regularly, it automatically equates more productivity – it doesn’t exactly work that way. A meeting, especially the first, is designed to deconstruct an idea not only to understandable bits but also to assign those bits to the appropriate personnel or departments. The time meetings consume is actually a cost especially when it is not offset by positive returns. Whilst periodic meetings are great for reiterating ideas and team bonding but it should never be seen as a key performance indicator because many meetings only repeat previous talking points with different words. Achievement orientation is a signature of emotional intelligence helps people and organizations strive for excellence and continuously seek out ways of doing things better. Little wonder English-born American author and cartoonist Ashleigh Brilliant said Our meetings are held to discuss many problems which would never arise if we held fewer meetings. 

Assumption #2 – Aptitude Is More Important Than Attitude

This sounds really logical on paper but in the real world, this assumption has been proven wrong time and time again. Not to dismiss the importance of technical skills, soft skills have gained a notoriety in a world that is increasingly responsive to people relations. There are documented instances where an employee has more degrees than a thermometer but fails terribly at working with other team members. Your certification alone is not of much value to any organization because the concept of the workplace is the collaboration of talents in a way that is productive and profitable. When everyone in the organization is open to receiving feedback, it can help individuals better understand themselves and better relate with colleagues.

Assumption #3 – Everyone Understands A Brief


This is a situation when a leader assumes that since an idea is great and has been shared with the rest of the team, everyone understands it and should just go with the programme. This assumption often leads to low productivity because of the gulf between expectations and actual outcomes. In reality, reiteration is necessary for comprehension. We must remember that there is nothing like over-communication; in fact – communication isn’t done until we receive the desired feedback. This means that leaders must always check for understanding when a task is assigned. One of the smartest ways to conduct this check is to ask the listeners to state such share their understanding of the task in their own words. Adaptability is one of the critical skills of emotional intelligence both leaders and team members must develop. When leaders and team members are adaptable, they can respond positively to a new idea. 

Assumption #4 – Training Should Be for Only Top Executives

Erroneously, some organizations see training of staff members as a cost and needs to be minimized, rather than an investment that needs to be optimized. Hence, the discriminatory perception is flawed as it leads to low productivity because expertise isn’t only needed on a strategic level but also on an operational level. Execution is everything; what use is a brilliant idea from top management with inadequate competence to execute it on the operational level? Productivity is an end-to-end game; every employee is as important as the other. Available data shows that 70% of employees would be somewhat likely to leave their current job to work for an organization known for investing in employee development and learning. Positive outlook is one of the critical skills of emotional intelligence leaders must develop in order to see the best in people; this will result in a more egalitarian approach to talent development.

Growth Opportunities


To further position your leaders for peak performance, you can download a free copy of the latest edition of The Peak Performer Magazine You can also enrol your Mid-level  Leadership Team for the Made4More Accelerator Program and your Senior Leadership Team for the Dr. Abiola Salami International Leadership Bootcamp MOMBASA 2024 We also have an upcoming training for leaders in public service 

About Dr. Abiola Salami

Dr. Abiola Salami is the Convener of Dr Abiola Salami International Leadership Bootcamp and The Peak PerformerTM. He is the Principal Performance Strategist at CHAMP – a full scale professional services firm trusted by high performing business leaders for providing Executive Coaching, Workforce Development & Advisory Services to improve performance. You can reach his team on [email protected] and connect with him @abiolachamp on all social media platforms.

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People & Lifestyle

The National FMCG Summit and Awards 2024 Celebrates Excellence in the Fast-Moving Consumer Goods Industry for its Third Consecutive Year



The National FMCG Summit and Awards, now in its third edition, took center stage once again to honor brands and organizations that have consistently delivered on their brand promises amidst challenging market dynamics. The event, which serves as a hallmark in recognizing outstanding achievements in the Fast-Moving Consumer Goods (FMCG) sector, brought together key industrial players, stakeholders, and enthusiasts to celebrate innovation, resilience, and excellence.

Kicking off the evening with a poignant keynote address was Mr. Gideon Raji, CEO of Global Ovations, the producers of the Annual FMCG Summit Awards. Mr. Raji commended businesses for their unwavering commitment to excellence despite the uncertainties brought forth by global economic factors and increased taxation. He highlighted the significance of resilience and consistency in navigating the ever-evolving landscape of the FMCG industry.

Distinguished guests, including Esther Cobber and delegates from the Ministry of Trade and Industry, FDA amongst others graced the occasion, underscoring the importance of collaboration and partnership in driving sustainable growth and development within the sector.

The summit showcased best practices from industry titans such as Coca-Cola, Guinness Ghana, and Unilever, setting the benchmark for innovation and excellence in product development, marketing strategies, and customer engagement. Also a plenary session featuring Barbara Incoom (Marketing Director ,Delta Paper mill) as the moderator and seasoned plenary speakers such as Ato Micah-Maverick Research MD, Taniya Monda MD, OMD Ghana, Abiodum Ayodeji , Commercial Director Promasidor Ghana and Dr.Kobby Mensah Associate Professor,UG-Business School .
As the night unfolded, the spotlight shone brightly on the deserving winners who exemplified excellence across various categories. Their dedication to quality, sustainability, and consumer satisfaction reaffirmed their status as trailblazers in the FMCG landscape.

The National FMCG Summit and Awards 2024 proved to be a testament to the resilience and ingenuity of the FMCG industry, setting the stage for continued growth, innovation, and collaboration in the years to come.


The National FMCG Awards 2024 winners have been listed below.

National FMCG Emerging Brand of the Year- Kivo, National FMCG Child Oral Care Product of the Year- Kel Kids Toothpaste, National FMCG Tissue Brand of the Year- Flora Kids

Handkerchief, National FMCG Organic Baby Food of the Year- Arise Porridge, National FMCG

Baby and Child Skin Care Product of the Year- Baby Boy/Baby Care Range of the Products,


National FMCG Cocoa/Dairy Product of the Year- U Fresh Soy Chocolate Drink, National

FMCG Hair Brand of the Year – Darling Hair, National FMCG Outstanding Brand of the year-

Fortune Rice, National FMCG Marketing Icon of the Year (Beauty and Hair care)- Angela

Ayishetu Baba, National FMCG Eco – Friendly Initiative of the Year- Guinness Ghana


Transparent PET bottles, National FMCG Non – Carbonated Drink of the Year- Ekumfi Fruit

Juice, National FMCG Biscuit brand of the Year – McBerry Biscuits, National FMCG Food

Service of the Year – CEQA Foods and Beverages Limited, National FMCG Outstanding

marketing leader of the year – Ewuraba Adusei, National FMCG Personal Care Brand of the


Year – Geisha Soap, National FMCG Still Water of the Year – Bel Aqua Premium, National

FMCG Emerging Product of the year – Kivo Pepper, National FMCG Brand Builder of the Year

(female) – Maame Adwoa Markin, National FMCG Most Promising Business Leader of the Year

(Male) – Ding Qing, National FMCG Haircare Brand of the Year- BO 16, National FMCG


Innovative Excellence in Leadership Award (Media Agency) – Taniya Mondal, National FMCG

Outstanding Leader in Home-grown Food Service – Christian Boakye Yiadom, National FMCG

Tomato Manufacturing Company of the Year – Happy Sunshine Manufacturing Company,

National FMCG Fragrance and Doe's Brand of the Year – Scent of Africa, National FMCG


International Beverage distribution company of the Year (Wine & Spirits) – Imexco Ghana,

National FMCG Insecticide Brand of the Year – Sasso Insecticide, National FMCG Homecare

brand of the Year – Jamaa Soap, National FMCG Outstanding Marketing Director of the Year –

Ali Ajami, National FMCG Champagne Brand of the Year – Moët and Chandon, National


FMCG Icon of the Year (Personal Care) – Ye Wei, National FMCG Flavored Drink of the year –

Bigoo, National FMCG Corporate Communications Director of the Year – Sylvia Owusu

Ankomah, National FMCG Most Promising Brand of the Year (Sauce and Ketchup) – La Vonce

Tomato Paste, National FMCG Cocoa RTD brand of the Year – KOA natural cocoa fruit juice,


National FMCG Shero of the Year (Baby Food) – Nana Achiaa Ankrah Addo-Agyekum,

National FMCG CSR Campaign on Women Empowerment of the Year – (Coca-Cola) Economic

Inclusion of Marginalized Women living in Urban Areas, National FMCG, National FMCG

Ultimate Excellence Innovation in Leadership (Spreads and Condiments) – Vishant Chanrai,


National FMCG Ultimate Excellence in Leadership (Non-Carbonated Beverages) – Kow Sam,

National FMCG Marketing Manager of the Year ( Non-Alcoholic Beverages ) – Magnus Dey,

National FMCG Most promising leader of the Year – Yaa Amoah-Owusu, National FMCG

Brand of the Year (Baby Care) – Soft Care Baby Diaper, National FMCG Brand with a Purpose –


Coca-Cola, National FMCG Excellence Execution in Media Planning – OMD, National FMCG

Sales Personality of the Year – Frank Essel Wilson, National FMCG Excellence in Brand Media

Management – Billy Jones Owusu Yeboah, National FMCG Brand Builder of the Year (Male) –

Papa Kwaku Owusu Agyemang Osei, National FMCG Confectionary Brand of the Year – Perk


Biscuits, National FMCG Culinary Brand of the Year – Tasty Tom Enriched Tomato Mix,

National FMCG Carbonated Soft drink of the year – Bel Cola, National FMCG Innovative

Confectionary Product of the Year – Top Choco Coconut Spread, National FMCG Quick Meal of

the Year – Kivo Gari, National FMCG Legacy brand of the Year ( Alcoholic Beverages) –


Guinness FES, National FMCG Legacy Brand of the Year (Home care) – Keysoap, National

FMCG Legacy Brand of the Year (Spreads and Condiments) – Blue Band Margarine, National

FMCG People's Choice Spirit Brand of the Year – Johnnie Walker, National FMCG Innovative Personality of the Year (Sauce and Ketchup) – Mars Du, National FMCG Marketing Excellence Award(Beverages) – Raj Mirpuri, National FMCG Outstanding Excellence Leader of the Year (Beauty & Personal Care) – Tanal Ghandour, National FMCG Excellence in Leadership Award (Alcoholic Beverage Distribution) – Feghali Jean-Paul, National FMCG Indigenous Dairy Brand of the Year – Nana Milk, National FMCG Innovative Leadership Award

– Anian Schreiber, National FMCG Ultimate FMCG Brand of the Year – Pepsodent, National FMCG Transformational Leader of the Year – Abiodun Ayodeji, 

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People & Lifestyle

Top 5 Places Where Skype Cam Girl Can Promote Their Private Shows



Promoting private shows can be a real challenge for Skype cam girls, but it’s essential for new customers and earn good amount of money. With so many platforms at your disposal, where should you start? This blog post will guide you through the top five places to effectively promote your private Skype shows, ensuring you reach the right audience.

Instagram Tactics

Switching to a ‘Creator’ business account on Instagram gives you access to better analytics tracking. Understanding how your posts perform helps you tailor your content strategy for better results. Instagram’s tools can provide valuable insights into what works and what doesn’t.

Engage with your followers through comments and DMs to build a strong interaction history. The more you interact, the more loyal your followers become. This loyalty translates to higher engagement and better promotion for your Skype shows.


Reels and Stories are perfect for delivering captivating content in a short format. Use these features to showcase highlights from your shows or behind-the-scenes snippets. These short bursts of content keep your audience engaged and eager for more.

Twitter Strategies

Retweet or Shoutout for Shoutout (SFS) groups can significantly expand your reach. By partnering with others, you can tap into their followers and vice versa. This collaborative approach helps both parties grow their audience.

Verification on Twitter establishes credibility and can attract more followers. Engage with trending topics and high-engagement tweets to increase your chances of getting verified. A verified account appears more trustworthy, which can lead to higher engagement rates.


Video content on Twitter tends to have higher engagement rates than static images or text. Share short clips from your Skype shows and other engaging content to captivate your audience. Regularly posting videos keeps your followers interested and looking forward to your posts.

Reddit Marketing Strategy

Regularly posting in NSFW subreddits can be very effective for promotion. These communities are often highly engaged and interested in adult content. Share your content at least twice a day across multiple subreddits to maintain visibility.

Highlight your upcoming private show link by pinning a post on your profile. This makes it easy for followers to access your show details without scrolling through your entire feed. A pinned post ensures your most important content stays at the top.


RedGIFS Promotion Guide

Creating engaging GIF teasers is a great way to capture the attention of potential viewers. Use high-quality snippets from your shows to entice viewers to check out more. Make sure your GIFs are visually appealing and give a sneak peek of what your audience can expect.

To increase discoverability, always utilize trending categories and relevant tags on RedGIFS. This ensures your content is seen by users interested in similar content. Spend time researching the best tags and categories to maximize your reach.

RedGIFS-specific subreddits are goldmines for targeted promotion. Post your GIFs here to attract an audience already interested in similar content. Don’t forget to include links to your social media profiles and Skype show details to drive traffic and conversions.


General Tips for Effective Promotion

Self-promotion is crucial in the content creator space. Don’t be afraid to share your content and talk about your shows. The more you promote yourself, the more visibility you gain.

Each platform has its own algorithm that determines content visibility. Spend time understanding these algorithms to maximize your reach. Knowing how to work within these frameworks can greatly enhance your promotional efforts.

The digital landscape is constantly evolving, and successful promotion strategies change over time. Stay adaptable and keep informed about new trends and strategies. Being flexible and willing to try new approaches will keep your promotion efforts effective.


Promoting your private Skype shows effectively requires a multi-platform approach and a good understanding of each platform’s nuances. By utilizing RedGIFS, Twitter, Instagram, and Reddit, and following our general promotion tips, you can significantly boost your visibility and engagement. Start implementing these strategies today and watch your audience grow!

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People & Lifestyle

Top 8 Tips To Build a Loyal Audience in the Camming Industry



The world of camming is vast, with countless models streaming live every day. For those seeking to make a mark and retain a dedicated viewer base, it’s essential to stand out. Whether you are a beginner or an established BBW Skyprivate model, this blog post will provide you with strategies to keep your audience coming back for more, ensuring your cam room remains lively and engaged.

Consistent Presence and Performance

Consistency is key in the camming industry. By maintaining a regular streaming schedule, you allow viewers to know when to find you online. This predictability helps build a routine for both you and your followers, making it easier for them to tune in regularly.

When viewers know your schedule, they can plan their time to watch your streams. This sense of anticipation and expectation keeps them coming back. Share your schedule on social media and your profile to keep everyone informed.


Engaging Audience Interactions

Engage your audience by integrating games and interactive conversations during your streams. This makes the experience more enjoyable and keeps viewers actively participating.

Leverage technology such as apps and bots to enhance viewer interaction. These tools can help manage chats, run polls, and even reward loyal viewers, creating a dynamic and engaging environment.

Getting to Know Regular Viewers


Take the time to learn about your regular viewers. Use their names during interactions and remember details about them. Personalized interactions make viewers feel valued and appreciated.

Building a rapport with your audience fosters a sense of familiarity. When viewers feel recognized and known, they are more likely to return to your streams.

Keeping the Show Interesting

Keep your content fresh by varying your themes and activities. This not only keeps your audience intrigued but also showcases your versatility as a performer.


Incorporate interactive elements like Q&A sessions, challenges, or themed nights. These activities encourage viewer participation and make the stream more engaging.

Hosting Celebration Shows

Celebrate milestones such as follower counts, anniversaries, or special achievements. Hosting celebration shows can boost viewer engagement and create memorable moments.

Encourage viewers to participate in these celebrations. Run special promotions, offer shoutouts, or organize giveaways to make these events exciting and interactive.


Emphasizing Audience Engagement

Actively respond to comments and feedback during your streams. This shows viewers that you value their input and are committed to improving their experience.

Take the time to connect with your audience on a personal level. Share stories, listen to their experiences, and build genuine relationships to foster loyalty.

Creating a Sense of Community


Promote interaction among your viewers by encouraging them to chat and engage with one another. This builds a sense of community within your cam room.

Make your streams a safe and welcoming space where everyone feels comfortable. A positive and inclusive environment encourages viewers to return and participate.

Continuous Improvement

Success in the camming industry doesn’t happen overnight. Stay committed to your growth by constantly seeking ways to improve your streams and your engagement strategies.


Be open to feedback and willing to adapt your strategies. Listening to your audience and making necessary adjustments can significantly enhance your streaming experience and viewer retention.

In summary, retaining viewers in the camming industry requires a mix of consistency, engagement, and personal connections. By following these strategies, you can build a loyal audience that keeps coming back for more. Ready to elevate your camming game? Start implementing these tips today and watch your viewer base grow!

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People & Lifestyle

Tricks to Select the Ideal Online Casino Platform for Yoursel



Online Casino

As online casinos are escalating, it is becoming challenging for players to choose the ideal online casino platform for themselves. Players should make it a point to choose only the reputed and reliable casino platforms like pussy888 so that they can play safely and securely. Some tips that would assist you in selecting the ideal casino online platform are below.

Promotions and bonuses 

Promotions and bonuses work to improve players’ online gaming experience. Hence, they ought to look for platforms that propose enticing welcome bonuses to the new players, including free spins, no-deposit bonuses, and deposit matches. Always go through the terms and conditions that are related to these bonuses. Never miss the validity periods and wagering requirements of these bonuses, too. Keep in mind that lots of casinos need players to have a higher wagering requirement so that they can access bonuses. It seems sensible to hunt for online platforms that have low-wage casino bonuses.

Licensing and Reputation


When choosing an online casino platform, always take into consideration it’s licensing and reputation. Be mindful that every reputable online casino has a long-standing presence. Additionally, they never fail to maintain an optimistic track record. The best thing is they remain transparent while operating and do not have hidden fees. Hunt for platforms that have licenses from notable gambling authorities. When an online casino platform gets a valid license, it ensures that it operates according to industry regulations and standards. Thus, players get a highly secure and safe gambling environment where they can play, keeping botheration at bay.

The selection of casino games

When you choose a trustworthy online casino platform, you will find superior-quality games, and they will be available in huge variations. If you fail to recognize the games that interest you, you must select a platform that offers many games. This way, you can attempt to play different games as well as discover your niche. Good online casinos offer players many kinds of games, including well-known choices. Always hunt for platforms that collaborate with reliable software providers, such as Playtech, NetEnt, and Microgaming, as these platforms commonly offer well-balanced and superior-quality games. Good online platforms also update their game library regularly to retain their old players and attract new players. This way, players can keep things exciting and fresh. 

Wagering choices


The new players do not seem comfortable placing big bets, and in this condition, when they choose good online casinos, they find them to cater to both conservative players and high rollers. Make it a point to choose platforms that provide you flexibility in different bet sizes. This way, you can adjust the stakes based on your comfort level. This diversity allows players to explore various betting strategies and select games that would align with their awaited levels of risk.

Selecting the ideal one

Selecting the ideal casino online platform is important to ensure you an enjoyable and safe gambling experience. When you prioritize and evaluate all the above-mentioned factors, you can make informed decisions and discover a platform that will assist you in winning big.

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