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CDC announces additional US$75 million trade finance deal with Absa as part of COVID-19 response

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CDC Group, the UK’s development finance institution and impact investor, has today announced an additional US$75 million commitment to its existing trade finance facility with Absa Bank. The investment will provide systemic liquidity across CDC’s African markets and enable local banks to sustain the availability of trade finance, supporting supply chains during the COVID-19 crisis.

The pandemic has put significant pressure on African banks as international banks continue to “de-risk”, withdraw from the continent and reduce their correspondent banking relationships in developing economies. In the context of broad outflows of capital from Africa, counter-cyclical commitments from development finance institutions are critical to mitigating these pressures and maintaining trade flows.

CDC’s partnership with Absa includes an innovative mechanism to boost trade finance funding to some of Africa’s most vulnerable countries. Trade finance transactions in sectors that are critical to serving people’s basic needs during the crisis – food & agriculture and health – will also benefit from preferential terms. The commitment will help maintain consumer access to a wide range of goods and services and allow businesses to continue operating by enabling them to import vital equipment and goods.

Today’s announcement strengthens CDC’s relationship with Absa and builds on two existing trade finance facility announced in October 2019.

Admir Imami, Director, Head of Trade & Supply Chain Finance, CDC: “CDC remains committed to closing Africa’s trade finance gap of US$110 billion to US$120 billion. By scaling up our trade finance agreements in Africa, we can protect vital supply chains that make a tangible impact on everyday lives. Our commitment will also provide a lifeline to many businesses dependent on imports. By investing in them today, we can ensure they are well positioned to weather the crisis and contribute to the continent’s economic recovery.”

George Wilson, Head of Institutional Trade, Absa: “Absa has made a commitment to supporting entrepreneurs and business owners on the continent. With traditional global supply chains being disrupted, this transaction allows us to re-imagine the continent as a trade destination and capacitate businesses to allow them to create jobs and drive economic activity.”

Africa’s trade finance deficit is estimated by the International Chamber of Commerce to represent about 25 per cent of the demand for trade finance in Africa. CDC and Absa are playing a key role in bridging this gap by supporting local financial institutions to expand financing to businesses and sustain supply chains across the continent.
Since 2015, CDC has guaranteed US $3.3 billion, resulting in US $12.5 billion of trade across its markets of Africa and South Asia.

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It Pays to Wear Your Seat Belt

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Victims of car accidents may sometimes contribute to their own injuries. Florida’s comparative fault statute is stated in Fla. Stat. 761.81, which provides that a driver’s contributory negligence reduces the amount of compensation received. In Florida, if you were not wearing a seat belt at the time of a car accident, the other driver may claim that not wearing your seat belt contributed to your injuries. This blog post explains the seat belt defense, which is allowed in only fifteen states.

 

Here is the situation

 

Imagine being in a serious car accident. Let’s say the other driver is clearly to blame. Perhaps the driver ran a red light or was speeding. You were driving perfectly fine, however, you did not have your seat belt on.

 

In this scenario, even if the other driver is fully at fault, his or her attorney may argue that you should carry some of the blame because you were not wearing your seat belt. The reasoning is that had you been wearing your seat belt, the injuries you sustained would be significantly less severe. This is an example of the seat belt defense.

 

The History

 

In 1992, Harold Ridley was driving his pickup truck when he and his daughter Tabitha, who was a passenger in the truck, were engaged in an intersection collision with a service truck driven by an employee of Safety Kleen Corporation.

 

Mr. Ridley filed a lawsuit against the Safety Kleen Corporation and Calhoun County. Mr. Ridley alleged that the driver of the Safety Kleen truck went directly through an intersection despite the word “STOP” written on the pavement. Mr. Ridley’s failure to use his seat belt was raised by the lawyer for Safety Kleen Corporation as an affirmative defense.

 

The case ultimately reached the Florida Supreme Court. The court held that failing to wear a seat belt can be used as an affirmative defense of comparative negligence. Fla. Stat. 316.614 now also contains this rule. The court explained that if a jury considers that a reasonably cautious individual would have put on their seat belt in the same circumstances, it can be considered proof of negligence, which may reduce the amount of damages you are able to recover. As a result, in Florida, a defendant is likely to raise the seat belt defense.

 

In 2000, a Florida court determined that a defendant must prove three elements to prevail on the seat belt defense. First, the defendant must prove that the driver failed to wear its available and functional seat belt. Second, the defendant must prove that the driver was unreasonable under the circumstances by not wearing its seat belt. Third, the defendant must prove that the driver’s failure to wear the seat belt caused or substantially contributed to the driver’s injuries.

 

How can someone prove a driver was not wearing a seat belt?

 

There are a few ways to prove in court that a driver was not wearing a seat belt. First, the testimony of a lay witness can be used to prove whether a seat belt was worn. For example, if someone spoke to the driver shortly after the accident and the driver admitted to not wearing a seat belt, this admission can be used in court for proof. Also, a vehicle technician who specializes in seat belts may be able to provide evidence showing whether a seat belt was worn in a crash. Lastly, oftentimes a doctor, after examining the injuries sustained in the crash, will be able to provide an expert opinion as to whether the driver was wearing a seat belt.

 

Would I have to pay for an expert to testify?

 

Yes, but only if you win. A car accident attorney is likely to handle case costs as they arise, deducting them from your part of a potential settlement or court award. It is uncommon for a personal injury attorney to bill a client for costs as they accrue. In a personal injury case, costs and expenses may very well include expert witnesses. They also can include medical records, police reports, investigators, postage and filing fees, depositions, transcripts, and trial exhibits.

 

This method of billing is called a contingency fee. You only pay your lawyer on the contingency that you win the case. Most car accident lawyers will handle case costs on a contingency.

 

Conclusion

 

Florida has a comparative fault statute. Regarding seat belts, Florida’s laws state that if you fail to wear an available, operable seatbelt, and the injuries you sustained could have been lessened had you worn that seatbelt, then you can have your reward for damages reduced. With that said, depending on the facts of your case, the seat belt defense can be complex. Make sure to hire an injury lawyer who specializes in car accidents that will assist you and adequately protect your rights. And remember to always wear your seat belt!

 

ABOUT THE AUTHOR

Scott Leaser, Esq. is a car accident attorney serving Greenacres, Florida, and its surrounding areas. If you recently were injured in a car accident in Florida, call (561) 559-5048 for a free consultation.

 

 

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Tourism Ministry to invest $20m to improve tourism, arts

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The Minister for Tourism, Arts and Culture, Dr Mohammed Awal has disclosed that the industry will invest over $20 million to improve tourism and arts attractions. (more…)

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When Can Escort Service Be Classified as Legal

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The idea of escorts often leads people to think about the assortment of benefits that such professionals can receive. They’re also known for greater comfort and less challenge in communication and interactions with their clients.

 

The growing popularity of escorts Paris has prompted a lot of men and women to pay attention to the services they provide, which are merely intended to enrich one’s life, which includes the elimination of stress and anxiety.

 

This is what makes these services especially popular among men and women who are constantly being burdened by unwanted stress at their jobs or other problems in their day-to-day life.

 

In some countries, hiring an escort is entirely legal if it comes with no strings attached. Legal escort services adhere to stringent requirements.

 

What is an Escort Service

Escort service is a professional service that provides a client (escort client) with an escort (escort). Escorts are usually female, but there are also many male escorts. The escort would accompany the client to more places, such as social events and business functions.

 

The primary role of an escort is to accompany clients to social functions. An experienced escort knows how to behave appropriately at any event they attend with a client. The escort will also advise on how the client should present themselves at the function to fit in well with other guests attending the same party.

 

An escort also acts as an attendee to add to the glamour of a social event or function. This can be done by socializing with other guests and working as arm candy for clients. Escorts might also serve as hostesses at business events and parties.

 

How is a Legal Escort Service Defined

Legal escort service is a tricky subject to talk about. Laws, especially in America, change every day and all over the country.

 

Many people who run escorts services do so because they want to help people, not because they want to make money. Many states, such as California and Nevada, are legal for an escort to provide other services, such as companionship or massages.

 

If you are considering starting your escort service and there is any doubt that it might not be legal in your area, you should check with a lawyer before taking any action. The last thing you want to do is get yourself in trouble with the law when you could have just called a lawyer for free.

  

When Does Escort Service Become Legal

How to determine whether escort service is legal? The answer is quite simple. Once you have the correct information, the problem becomes easy to solve. Escort service can be classified as legal if it meets the following requirements.

 

The first condition is that your business must have a license to operate legally in the city or state where it is located. As long as you hold a valid permit, your business can continue operating regardless of how many people are employed by it or how much money you make from it.

 

The second condition is that only adults should work for an escort service. If you employ minors (people under 18), your business can be closed down and subject to fines and penalties. The only exception to this rule is if the minor has a working permit issued by the city or state. This can be obtained by minors willing to work on movie sets, commercials, music videos, and similar projects.

 

The third condition is that the people who work for your escort service must be willing to consent for their photos and information about them being made public. If someone does not agree with this, they will not be able to work for you legally.

 

When Does Escort Service Become Illegal

It is a known fact that escorting and prostitution are very similar. However, the two are not the same. Prostitution involves sex for money, while escorting does not necessarily involve sex.

 

Escort services entail the company of an independent woman to attend events, parties, etc., to provide companionship to men who are bored or lonely. Thus, it can be concluded that if a person charges for their companionship only, then their service is legal.

 

Countries Considered as Sex Destinations in the World

Many people view sexual encounters while traveling to enhance their travel experience. The sex industry is worth billions, and millions of illegal and legal sex workers are scattered across the globe.

 

These are the top sex destinations in the world.

 

Germany. Germany is a large and well-organized country with prostitution, including street and street prostitutes. It is fully legal. Since 1200 AD, the government has had a long history with sexual tourism and organized prostitution. It is interesting that people willfully join the flesh trade in Germany. There are also advertisements and job opportunities through human resources companies.

 

The Dominican Republic. Tourists visiting the Dominican Republic can expect to see legal brothels and marriage parlors, as well as prostitutes freely roaming the streets of Santo Domingo or Puerto Plata. The Dominican Republic is fourth in the world for exporting large sex workers.

 

Spain. Popular sex destinations include Madrid, Ibiza, and Barcelona. These cities are well-known for their vibrant club scene and bars.

 

Malaysia. Although prostitution in Malaysia is illegal, it is still widespread and readily available. Penang, Kuala Lumpur, and Ipoh are some of the most popular places where prostitution is common. The majority of sex workers are from China and other neighboring countries.

 

Kenya. It is also one of Africa’s most accessible countries. However, it has an enormous sex tourism industry on the continent. Despite the high prevalence of HIV and STDs, the country doesn’t discourage the practice. It is not surprising that Kenya is a popular choice for older white women looking to “buy” some time with a man. Tourists willing to pay high prices for sex in hidden locations lure children into prostitution.

 

The Netherlands. It is often considered one of the most popular destinations for sex globally. Prostitution is legalized and regulated. Amsterdam’s De Wallen is the most well-known red-light area in the city and is a popular destination for international sex tourism.

 

The Philippines. There are a large domestic sex industry with approximately 800,000 people, both men, and women, working in this trade. The country’s reputation as a sex destination is believed to have been created by the popularity of ‘girlie bars’ during World War II.

 

Brazil. Brazil is another country where prostitution can be legalized. However, Brazil prohibits the operation of brothels or the hiring of sex workers in other ways. There are still dozens of brothels in cities where prostitutes can engage in sexual activities.

 

Colombia. Colombian women are considered some of the most beautiful in the world. This is perhaps one reason why sex tourism has flourished in Colombia. Although sex trading is legal in Colombia, the government has reduced illegal activities, such as child prostitution.

 

Thailand. According to some reports, the industry was established in Vietnam during the Vietnam war. It is now a legal profession in the country, with more than three million sex workers making a living.

 

The legality of escort service depends on the circumstances. Some countries regulate the activity directly, while others penalize it indirectly by punishing related activities. It is up to you to determine if an escort service is legal where you live, but it is safer to rely on legal escort agencies than dangerous ones.

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BezoMoney Disrupts Savings Market with New Platform, BezoSusu

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BezoMoney, Ghana’s leading fintech provider of out-of-the-box financial tools and solutions for young people and the unbanked has launched its new savings platform, BezoSusu.

The platform allows users to make deposits through their mobile money wallets or bank accounts, track and monitor the growth of their money and eventually reach set savings goals. BezoSusu is a part of Bezomoney’s growing portfolio of products and services tailor made to help mainly young people and the unbanked make smart money moves and earn their way to financial freedom.

With Bezosusu, customers who are keen to save, have access to a growing selection of features and  benefits from the wider choice, safety and convenience offered by the platform. Some of these features include; automated daily and weekly deposits to your savings goal, Auto Lock function; track and monitor savings goal; and a whopping 9% interest per annum on savings. The platform also optimizes users’ saving options by allowing deposits via mobile mon ey.

Speaking on the Launch, The CEO, Mubarak Sumaila noted, “Ghana is lagging behind in providing financial products and services for the unbanked and today’s digitally savvy generation. This is a huge market, largely untapped and Bezomoney has positioned itself to disrupt this space and provide a safe, timely, easy to use innovative platform that allows you to grow your money with convenience. The arrival of Bezosusu brings an exciting innovation to this market. Essentially, Bezosusu can do for the savings market what PayPal did for the payments space.”

The platform is robust and has been built by Bezomoney’s world-class tech teams in Ghana and around the globe.

Dawuda Iddrisu, Chief Technology Officer at Bezomoney, explained; “With Bezosusu, we are offering a robust platform that is end-to-end encrypted and prioritizes the data security and privacy of our users. Our platform is super easy to use, intuitive and has a beautiful user interface for our users.”

The launch of Bezosusu is timely given the general post-pandemic climate with many people looking to save and make smarter money choices.

VP of Marketing, Emma Tandoh  said, “With the launch of our Bezosusu platform, we are reaffirming our ambition to provide a new infrastructure for Africa’s growing savings business. We also plan to capitalize on additional partners and bring our vision of upward social mobility to all young people and the unbanked.”

“Of course, today’s launch of Bezosusu is just the beginning: We now plan to expand the product offering on the platform with additional features and benefits over time as we assess what users desire from time to time.  Our digital and offline channels will primarily dominate our launch efforts but we intend to leave no stone unturned to stay visible and create maximum adoption for our product” remarked Head of Marketing, Adwoa A. Nyamesem.

The Bezosusu platform is the digital savings platform of choice and the new way to save, grow and secure your financial future. To sign up for a new account, users will have to visit app.bezosusu.com .

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E-commerce contributions to Ghana’s growth and development; 2021 Highlights

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Electronic commerce or e-commerce, popularly known in Ghana as ‘’online shopping’’ has come a long way since the days when we all thought it was just a myth or a way for certain people to be fraudulent. Today, nearly everything we need can be ordered online and customers even have the convenience of staying at home or in their offices to take delivery of such orders. In recent times, online payments have also made it possible to avoid long queues in banks and even reduce the risks of contracting Covid-19. E-commerce has brought convenience, safety and affordability into our lives. However, the contributions of e-commerce to Ghana’s growth and development cannot be narrowed down to only the above-stated benefits. In 2021, Africa’s leading e-commerce platform Jumia impacted Ghanaians with various milestones and activities. Below are a few of them.

FEBRUARY :
Corporate Social Responsibility (Covid-19 impact)
On valentines day, 14th February 2021, Jumia Ghana employees, consumers and partners went on the streets of Accra educating the children, elderly and vulnerable in society about the risks, symptoms and prevention of covid-19. They also distributed nose masks and sanitisers to hawkers and street children at the Kwame Nkrumah Circle bus station.

JUNE :
Making insurance accessible online
Jumia also partnered with insurance group, Hollard Ghana to make insurance policies easily accessible online. The e-commerce company leveraged its technology and network to provide an efficient platform for Ghanaians to purchase Hollard’s general and life insurance products. This new feature is available on the JumiaPay platform and came at a time when the pandemic had affected most people reiterating the need for various types of insurance policies.

JULY :
Celebrated 9 years of e-commerce in Ghana
This was a milestone worth celebrating after 9 whole years of making the lives of Ghanaians easier and better through the internet. This was marked with a mega sale where consumers were given discounts of up to 50% to shop for their essential needs. There were daily flash sales and many giveaways as well.

AUGUST :
Safeguarding our environment
Jumia also partnered with Solar Taxi in Ghana to provide eco-friendly and affordable deliveries to online shoppers. With a shared vision of ensuring a clean and sustainable environment using renewable energy, coupled with the need to keep consumers safe especially during the many waves of the COVID-19-, Consumers who ordered food, groceries and other essential items on Jumia got their orders delivered conveniently and environmentally friendly to their homes or offices by SolarTaxi riders.

SEPTEMBER :
Corporate Social Responsibility (Blood donation exercise)
In collaboration with the Ghana Blood Service and the National Blood Bank, Jumia organized a blood donation exercise at their office in Accra to mark the Osagyefo Dr Kwame Nkrumah memorial day. Staff, customers, partners and the general public came in their numbers to donate blood. This was to help increase stock at the National Blood Bank while saving many lives.

OCTOBER :
Launch of e-commerce index 2021
Jumia published its first e-commerce report, Jumia Africa e-Commerce Index 2021 with a Ghana section, which leveraged data from the Jumia platform to illustrate the importance of shopping online in a pandemic context as consumers leveraged Jumia for their needs using their smartphones. The index unearthed a shift in consumer shopping behaviour from more electronics to essential products. This shift was part of a broader economic transformation led by the continent’s young, urban and tech-savvy population. The report was a partnership with UNCTAD, IFC, and Mastercard, highlighting the impact of e-commerce on the African economy.

NOVEMBER :
Supporting preterm babies on oxygen
The e-commerce company partnered with NICU soldiers and Fiona’s Foods to raise funds for preterm babies on oxygen in Ghana. This was dubbed #sconesforlife and the fundraiser was in the form of delivering scones and pies to generous people who bought them at higher amounts than their original costs just to support the project. Every Friday and Saturday, Jumia Logistics Ghana’s delivery agents sent the scones/pie orders to these consumers at no cost of delivery.

BLACK FRIDAY SALE
Jumia in partnership with thousands of sellers and brands offered consumers a wide assortment of products at the best prices. Discounts of up to 90% OFF, daily flash sales and treasure hunts where some lucky winners got the iPhone 13 at 100ghs and other great items at mindblowing discounts. There were also freebies and free shipping to selected areas. This was to ensure that customers enjoy the best deals and excellent services while sellers and brands grow their businesses. Being the biggest online sale of the year, it was an opportunity to also create awareness in Ghana about e-commerce and its benefits in our growing economy.

DECEMBER :
Expedient deliveries and top tier customer service
E-commerce giants Jumia partnered with Ghana Post. The strategic partnership sought to transform the customer experience of Ghanaians with faster and more efficient e-commerce flows. The new partnership supports Jumia’s commitment to leveraging its advanced technology and extensive network to provide a seamless and powerful platform for Ghanaians to purchase everyday needs online. Ghana Post also supports Jumia by delivering packages to consumers via efficient and expedient courier services.

All in all, 2021 was a great year of e-commerce impact. The opportunities and benefits of doing business online are endless. With Jumia’s commitment to improving its technology, 2022 promises to be more successful. Happy new year!

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Meet the new HUAWEI nova 9; The latest and most stunning smartphone in Ghana

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A great smartphone is one that is styled for the ages, equipped with a great camera, has a large battery that charges up swiftly, and if you throw in some cool futuristic features then you have something special and all of these things are not easy to find in one single phone!

Having said so, Huawei recently launched the all new HUAWEI nova 9, and you can pre-order now before 27th January at the Huawei Experience Store Accra Mall and other accredited retail shops  for GHS 3099 and get free gifts valued up to GHS 519

Dubbed as “the Trendy Flagship & Camera King”, this latest gem from Huawei comes soaring with a stunning design, a 50MP Super Sensing Camera, a large battery that supports 66W HUAWEI SuperCharge in addition to next generation Super Device features which allow you to do more than one things on multiple devices all at once. Let us take a look at its feature closely and you will understand why it is our favourite choice for a smartphone this season!

Breathtaking design

The HUAWEI nova 9 is simply an outstanding smartphone and it comes in a new colourway called: Colour No.9, what a cool name that is! Polished with a brand-new Starry Flash AG Glass process, the device is a pleasure to the eyes. Colour No. 9 is a mixture of low-saturation blue and purples hues that gives off a hint of mysteriousness. Under different lighting, the colour finish reflects vivid and colourful patterns.

Under a spotlight, the whole device shines and sparkles. It reminds users of the subtle moments in their life, which are inspiring and exhilarating. The HUAWEI nova 9 inherits the HUAWEI nova Series’ unique aesthetic and sophisticated design. The Trendy Flagship and Camera king sports a 6.57-inch curved display that can render 1.07 billion colours, and supports up to 120Hz display refresh rate, 300Hz touch sampling rate and the P3 colour gamut to produce smoother and more immersive visuals that are brimming with details.

The HUAWEI nova 9 is sleek with a thickness of only 7.77mm and a weight of approximately 175g only. In terms of industrial design, colourway is always an important factor for the HUAWEI nova Series to showcase its uniqueness and commitment. It also comes with a more iconic camera setup that is updated based on HUAWEI nova 8’s Star Orbit Ring.

 

Ultra-Vision Camera

The HUAWEI nova 9 comes with an Ultra Vision AI Quad Camera system, which includes a 50MP Ultra Vision Main Camera with RYYB colour filter array, an 8MP Ultra Wide Angle Camera, a 2MP Depth Camera and a 4cm Macro Camera. The upgraded hardware synergies with flagship-class algorithms to empower users capture in high clarity across different scenarios. Meeting the demand for an excellent vlogging experience, the HUAWEI nova 9 is fitted with a 32MP High-Res selfie camera. Similar to the rear camera, it also supports 4K video capture and AIS (AI Image Stabilisation) Video Stabilisation, allowing users to capture high definition footage of themselves as they talk to the camera, as well as the exciting events happening around them.

Thanks to Continuous Front/Rear Recording, users can also switch between the front and rear cameras, allowing them to fluidly capture their story within a single video file. Dual-View Video recording allows users to showcase their live reaction to events, simultaneously using the front and rear cameras with no editing required or, for when you want to show the big picture and the detail, you can simultaneously capture a close up shot and wide-angle shot at the same time.

Large Battery with HUAWEI SuperCharge

Considering how much of our daily lives are tied to the smartphone, battery life is perhaps one of the most important concerns that users have, if not the most. After all, no matter how powerful or well designed a smartphone is, it is of little use to us when its battery is depleted. The HUAWEI nova 9 packs a proprietary 4300mAh battery to provide all-day battery life. Furthermore, the Trendy Flagship Camera King supports 66W HUAWEI SuperCharge, enabling it to charge much faster. It takes only 15 minutes to charge to 53% and 38 minutes to 100%.

Visionary and Inspirational User Experience

 

The HUAWEI nova 9 runs on EMUI 12, which offers a straightforward, smooth, safe and reliable user experience for working, studying, remote communication, gaming, entertainment or video editing. Thanks to the Super Device features, Huawei has consolidated different menus into the Control Panel with a simple swipe users can explore the Control Panel and get quick access to audio playback, Wi-Fi and Bluetooth settings, as well as making it easier to control multiple devices as if they were controlling just one device.

For example, users can tap on the HUAWEI MatePad icon to activate Smartphone-Tablet Multi-screen Collaboration; tap the HUAWEI MateBook icon for Smartphone-PC Multi-screen Collaboration or tap the HUAWEI FreeBuds icon to seamlessly switch their audio output to their Huawei earbuds.

With the Distributed File System, the HUAWEI nova 9 can also function as a wirelessly connected external storage unit for the PC, meaning users can access the files they want more easily than ever before. This means when users are drafting an email on the PC, they can add smartphone files as an attachment or when they see an image they like when browsing the internet on the PC, they can save that image directly to the smartphone.

Using the HUAWEI nova 9, users can also transfer MeeTime calls onto HUAWEI Vision smart TV and conduct the call by taking advantage of the larger display, camera and speakers. Users may also conveniently share their screen during a video and even mark key places, to bring important insights directly into view.

Offering a smart and seamless experience to users, the trusted, innovative and secure AppGallery comes preinstalled on the HUAWEI nova 9, where users can search for, and download a wide range of high-quality apps.

In short, if you are looking for a new smartphone that truly ticks all the boxes and also that comes at a reasonable price range, then the new Trendy Flagship Camera King HUAWEI nova 9 is your go-to option right now! Preorder now for GHS 3099 at the Huawei Experience Store Accra Mall and other accredited retail shops and get free gifts valued up GHS 519.

Visit: https://consumer.huawei.com/gh/phones/nova9/ to learn more about the New Huawei Nova 9.

 

 

 

 

 

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