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Correcting 3 misinformation about the newly proposed electronic transaction levy (e-levy)

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Ghana’s finance minister Ken Ofori-Atta announced that the government intends to introduce an electronic transaction levy (e-levy) in the 2022 budget. The initial response to the announcement of the levy has been one of displeasure and fears but Deputy Minister, Hon. John Kumah has clarified some misinformation about the levy.

The proposed levy, which will come into effect on 1st February 2022, is a charge of 1.75% of the value of electronic transactions. It covers mobile money payments, bank transfers, merchant payments, and inward remittances.

Addressing concerns of Ghanaians about the e-levy in an engagement with some bloggers and influencers at a meeting yesterday, Hon. John Kumah asserted that the introduction of the e-levy was not to rip Ghanaians of their hard-earned money but to generate internal revenue to improve development in the country. To support this claim, he revealed that government cleared and reduced 5 existing levies including the toll booth levy to reduce the taxes citizens pay.

Below are three corrections to pieces of misinformation about the proposed e-levy offered by the Deputy Finance Minister.

1. THE E-LEVY IS NOT APPLICABLE TO ALL MOBILE MONEY TRANSFERS 

The majority of Ghanaians resort to mobile money transfers because it is the most efficient and cost-effective means of transferring money and is widely accessible in Ghana. Hence, mobile money transfer was the first and major concern of Ghanaians in regards to the proposed e-levy. However, NOT ALL MOBILE MONEY TRANSFERS will be taxed under the e-levy.

The levy will cover the following;

Mobile Money Transfers: sending money from your wallet to another person’s wallet or bank account using mobile money;

Bank to Mobile Money Transfers: Transfers from a bank account to another person’s mobile money account

Mobile Money Merchant Payments:  when you pay for a service or a product from a merchant using your mobile money account;

The levy will NOT cover the following;

Daily Free Limit: Every person will be able to send up to GHS100 / day without payment of the levy. For example, if Kofi sends GHS 50 to his sister in the morning and sends another GHS 50 (GHS 100 in total) to his brother in the afternoon, he will not pay the E-levy. However, any other payment on the day after this threshold will attract the e-levy.

Transfers between your own accounts: If you are moving money between your own mobile money accounts you will not be charged the E-LEVY. For example, If you transfer money from your registered mobile money account with MTN to your Vodafone Cash bearing the same name, the e-levy will not be charged on the transfer.

Cash deposits: Depositing money into one’s personal mobile money account will not be charged with the e-levy. For example, if you deposit 1,000gh through a mobile money agent into your account, no e-levy charge will be taken and you will receive 1,000gh in your account.

2. THE E-LEVY IS NOT APPLICABLE TO BANK TRANSFERS AND CHEQUES

Although the E-levy will be applied to the originator of a transaction on an electronic payment platform like online banking, it only covers payments for goods and or services using bank payments, Debit/Credit Card or alternative bank payment channels.

The levy will not be applied to Bank transfers and cheques from one bank account to another. 

Similarly, money transfers between one’s own account in different banks will not be taxed. For example, by transferring money from one’s Fidelity bank account to his/her  Stanbic Bank account, the e-levy will not be applied to the amount transferred.

3. ONLY THE RECEIVER OF AN INWARD REMITTANCE WILL BE CHARGED THE E-LEVY

An inward remittance is a money sent from a foreign country and received by the payee into their bank account. Under the new proposed e-levy, the remitter who sends money to the recipient’s bank account will NOT be charged. Only the beneficiary of the internal remittance will be charged 1.75% on the value of the amount received.

Although the e-levy is yet to be approved in parliament, Deputy-Minister Finance, John Kumah assured that Finance ministry is in constant discussions with key stakeholders and is taking into consideration the concerns of Ghanaians to make necessary changes to the levy before it passed.

He also affirmed that the e-levy will be efficiently collected by the government through the Ghana Revenue Authority in collaboration with the Telcos, Fintechs and Financial Institutions.

On how issues and challenges about the levy will be addressed, Hon. John Kumah said a 24-hour service center will be set up to help individuals who might be experience challenges and call lines will be announced soon.

Watch Hon. John Kumah speaks on the benefits of the E-levy below.

 

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Download tons of apps on HUAWEI Y9a with AppGallery and Petal Search

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Featuring a 64MP AI Quad Camera and 40W (22.5W) HUAWEI SuperCharge, the HUAWEI Y9a has become a top player in the mid-range smartphone market and is a top-selling product. Pre-installed with AppGallery, along with Petal Search, HUAWEI Y9a users can easily download a huge number of popular mobile apps onto their phone.

 

TOP 3 app marketplace in the world: AppGallery has it all

As Huawei’s official app marketplace, AppGallery provides users with global top apps and services, as well as a wide variety of local quality apps. AppGallery is currently available in more than 170 countries and regions, making it the TOP 3 app store in the world.

From news to social networking, entertainment and more, AppGallery covers 18 app categories so you can enjoy a diversified selection of some globally popular apps and services.

To protect user’s personal data and security, the AppGallery has a full-cycle security and protection system, including developer real-name verification, four-step review process, download and installation protection, as well as a prevention mechanism for app operation.

Search and Download things you want through Petal Search

As a search engine, Petal Search has two major features – generic search and app search. Through these you can explore apps, news, images and more. Petal Search lists apps from multiple sources, including AppGallery.

This search and download process can be done with only two steps:

  • Open the Petal Search app or search widget and enter the name of the app you are looking for. In the result list, select the Apps category to shortlist the content.
  • Go to the app you need and hit the Install button – Petal Search will direct you to the source so you can start downloading it. The source might be AppGallery, its official website or third-party platforms such as APKPure. Before the installation starts, your Huawei mobile will request for a security check to scan for any risks.

Other than downloading new apps, users can get updates for existing apps from Petal Search. Just go to Me -> Downloads -> Updates, and select an app to get the update.

The Petal Search widget is pre-installed on the home screen on HUAWEI Y9a

In addition to app experience, the HUAWEI Y9a appeals to a range of consumers with three colour options: Midnight Black, Space Silver, and Sakura Pink, and has 8GB RAM and 128GB storage, priced at GHS1759

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People & Lifestyle

Assisted Living FAQs Answered for Both Potential Residents & Their Loved Ones

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Having made the decision to move to professional, established, and renowned assisted living facilities, yourself and your loved ones will still have a barrage of questions that perhaps either simply didn’t occur to you at the time of your tour or you felt unable to ask at the time.

With that being said, continue reading for some popular frequently asked questions surrounding assisted living and their answers for both potential residents and their loved ones.

 

1.   What Kind of Social Activities Are There to Choose From?

 

Naturally, the social diary of an assisted living community varies from place to place, but generally, there is a wide range of both community-led and independent hobbies, activities, and other enjoyable pastimes to choose from.

A selection of such social activities include, but are obviously in no way limited to:

  • Educational classes
  • Animal therapy
  • Crafting
  • Day trips
  • Movie evenings
  • Games nights
  • Volunteering in and around the local community
  • Low-impact exercise classes

 

2.   How Safe & Secure Are the Facilities?

 

Obviously, apart from memory care facilities which have different security parameters, residents are free to come and go in and out of their senior living community to suit.

Through the night, assisted living facilities have on-site security, and often such security professionals are present twenty-four hours a day, seven days a week.

 

3.   Can Loved Ones Visit Whenever They Desire?

 

Generally, visiting times at professional and established assisted living facilities such as assisted living New Jersey are free and easy, although obviously through the night, as nearly all of the residents will be asleep in bed, the doors are secure, and people can only visit in an emergency.

Additionally, every single visitor to an assisted living community must sign in at the reception as a matter of safety and security for the residents and staff alike.

 

4.   Are the Staff Fully Trained?

 

All staff at established and prestigious assisted living facilities are fully trained to provide excellent care and assistance to each and every resident.

Furthermore, there is nearly always one or more medically trained professionals on-site 24/7, and most assisted living facilities provide transport to and from the nearest hospital whenever needed or desired.

 

5.   Is There Always an Opportunity for Private Time?

 

Assisted living facilities always provide self-contained apartments with their own private front door for residents.

Absolutely nothing on the social and community schedule is compulsory, and instead, every resident is free to essentially do exactly what they like, when they like. If and when a resident wants to dine alone one evening, for example, their meal will be brought to their apartment where they can eat in peace.

Making the move to an assisted living community offers a wide plethora of advantages to yourself or your loved one who is struggling to cope running their own home and living wholly independently and provides a nurturing, caring, social and peaceful way of life.

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People & Lifestyle

The Main Manufacturing Trends In 2022

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Manufacturing is an industry that is constantly going through change. Consumer trends, technological developments, new regulations, and global events like COVID-19 can all impact and change the manufacturing industry. This leads to new trends that emerge each year that dominate in the industry. As the owner of a manufacturing business, you want to be ahead of the curve with these trends so that you can adapt and prepare your business. This could help you to take advantage of trends and find ways to reach new levels of success with your business. So, what are a few of the main manufacturing trends that will emerge in 2022?

Cobots

Businesses in the manufacturing industry are behind the times if they have not yet embraced automation. The next trend in this area will be the rise of cobots, which are robots that can actually collaborate and work alongside staff. These will start to become prevalent in 2022 and can help to increase productivity, lower costs and improve safety, amongst many other benefits.

Green Manufacturing

It is clear that now is the time for action when it comes to reducing environmental impact, and the manufacturing industry is one that is often singled out when it comes to damage. This is why green manufacturing will be a major trend moving forwards, with businesses finding ways to reduce their impact, which can also improve their reputation and lower their costs. A few ways that this can be achieved include:

  • Solar power
  • Energy-efficient equipment
  • Using green materials
  • Increasing recycling
  • Using a green supply chain

 

ETOX

Many businesses will be using ETOX in 2022 as a way to develop innovative, unique, and high-quality products. ETOX is a heterocyclic organic building block that can be used in a number of ways and to develop all kinds of products, including electronics, films and coating, adhesives, ceramics and metals, and medical devices, just as a few examples. Businesses are always racing to create the best products, and ETOX is an innovative product that could help a company to improve the quality of its goods.

Cybersecurity

Cybercrime has become a major global issue in recent times that has been accelerated by COVID-19. Manufacturing is an industry that has been frequently targeted with the rise of IoT and connected devices, which is why cybersecurity needs to be a major trend in 2022. This will involve businesses investing in high-quality cybersecurity products but also providing staff training so that they can carry out their role safely and avoid common scams.

3D Printing

3D printing is getting bigger with each year, and the same will be true in 2022. This can be used in all kinds of ways, including the fast production of prototypes and components. 3D printing can be used in all niches of manufacturing and even in some food products.

These are a few of the main manufacturing trends that will emerge in 2022. Being aware of these now will help you to prepare and make adaptations that will help 2022 to be a successful year for your company.

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A Guide To IDDSI

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If you, a close friend, family member, or other loved one have recently been diagnosed with dysphagia or else have been living with the condition for a while, it could be incredibly frustrating to attempt to convey how you feel and the problem you have to people who are blessed not to suffer from problems swallowing.

With that in mind, continue reading this guide to IDDSI and how it can help your dysphagia.

IDDSI Explained

The International Dysphagia Diet Standardization Initiative framework, far more commonly known as IDDSI, is essentially a non-profit organization that issues a standardized set of directives, help, and advice tailor-made for those living with dysphagia or similar swallowing-related issues

The IDDSI has been instrumental in the naming and categorization of dysphagia friendly foods and thickening agents, such as SimplyThick packets, and has been credited with genuinely making the lives of people living which dysphagia significantly easier and more enjoyable.

The 8 Levels Of IDDSI

There is a basic framework created, established, and promoted by the IDDSI, which enables those suffering from problems chewing and swallowing to more accurately ascertain which foodstuffs and liquids are best suited for them. This framework is essentially divided into eight levels; levels zero to four are for the measuring of liquids, and levels three to seven are used to measure foodstuffs.

Level 1

Drinks and liquids that are classified as being situated at ‘Level 1’ of the IDDSI framework are generally slightly thicker in consistency. They tend to be slighter thicker than water, and although they require more effort to drink, they can still be sucked through a straw.

Level 2

 

Liquids that are classified as ‘Level 2’ are mildly thick, though they will still easily flow from a spoon. Level 2 liquids require only mild effort to drink.

Level 3

Characteristics of ‘Level 3’ drinks are that they can still be drunk from a cup but are moderately thick and so cannot be molded, piped, or layered. Chewing is not required with drinks at Level 3, and it would be impossible to eat such a liquid.

Level 4

The characteristics of substances classified as being situated at ‘Level 4’ of the IDDSI framework are extremely thick and often pureed foodstuffs. If tongue control is a problem with a person who is living from dysphagia, this may be the best level at which to consume food and drink.

Level 5

Minced and moist foodstuffs make up most items classified as ‘Level 5,’ and the substances can all be scooped and shaped to suit the individual. Additionally, only minimal chewing is required foodstuffs that fall into this level of the framework.

Level 6

‘Level 6’ foodstuffs are generally bite-sized and soft and can therefore be broken down and mashed with cutlery, although they do still require a certain level of chewing.

Level 7

Foods at ‘Level 7’ are easy to chew and are basically normal, everyday foodstuffs with tender textures.

Level 8

Food classified at ‘Level 8’ is typical everyday food that people who do not have any swallowing or eating difficulties can manage.

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People & Lifestyle

9 ways to protect the house from UV rays

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In this article, you will get to know about the ideas from which you can protect your house from the rays. By getting unique and different ideas you can change your house outlook. And decor your house with it. Let’s discuss this in detail.

 

What are UltraViolet rays?

Ultraviolet rays are the direct rays that come from the sun. These rays can cause harm to many things. It is a must that one has to take the necessary steps to get rid of the UV rays. House is also one kind of thing which can get affected from the UV rays. You must need some techniques from which you can protect your house. Read the article below for different ideas.

 

What are the different ways to protect the house from UV rays?

When one built a house the first thing he keeps in mind is how they can protect their house from the sun’s rays? So, here we come with the unique ways from which you can be beneficial. You can apply the shades to protect the house’s furniture and color from the rays. Some of the ways are:

 

  1. Window shades:

One of the best options to protect your house from UV rays is to apply window shades. You can choose any type of shade which will look suitable. These shades can be very helpful to you. For this, you can refer to the silhouette shades. The shades are the best ones which can give 88% protection from light.

 

  1. Shift the furniture to a different location:

Another option is that you can move the furniture. The reason behind this is that some people want sunlight in their house. This also protects your furniture from the rays. But this is not a permanent option because it is not easy to shift the furniture on a regular basis.

 

  1. Window films:

You can choose the window films which can easily be handed to the window of your house. These window films can protect the house from UV rays. You can take the help of professionals to get it installed in the house. And within a short period, it is a must that you can replace these window films.

 

  1. Curtains:

Curtains are the more popular choice of people to cover their house. And such curtains can also help to protect the house from UV rays. These curtains can protect a half ratio from the sunlight. You can choose these to give a new look to the house.

 

  1. Replacement of window screens:

While the old window screens can get damaged with the sun rays. You can also replace these window screens. And apply the new screen according to the trending. There are some bug screens which give protection. 

 

  1. Tinted windows:

The permanent solution to get rid of the UV rays is to replace your windows. Such is getting covered with the tiny metallic oxides which can protect the house from the UV rays. This also keeps your room warm on the winter days. The cost of these shades is high but it gives more protection and security to the house.

 

  1. Fabric and colors:

One of the methods to protect your house from UV rays is to select the best color of the furniture. Some dark colored furniture will get dull easily. And does not look quite good. So, you can choose some of the light-colored furniture which can not get damaged easily. 

 

  1. Roofing material:

It is not possible to remove all sunlight from the rooms of your house. For this, you can choose the roofing material. You have to choose the right siding material for the protection of the house. Must choose the lighter shades which keep the house cool. And must apply the best sealants for its best use.

 

  1. Cover hardwood floors:

The next option is to cover the floors. Because such hardwood floors are very expensive and get easily damaged with the sunlight. 

 

Above are some of the ways to prevent the house from UV rays.

 

Conclusion:

These are some of the ways in which you can protect the house from UV rays. Silhouette shades are the best option for the house. These shades will not only provide protection for the house. But it also helps in maintaining the furniture colors of the house.

 

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How can music, dance and art help improve air pollution?

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Music, dance, art and storytelling have allowed an international team of researchers to reveal aspects of air pollution in Nairobi that would not have been identified otherwise.

Air pollution is a well-documented major human health issue, but despite many air pollution reduction policies designed to improve health, these are frequently ineffective. Often this is because they fail to account for local knowledge, cultural practices and priorities of the intended recipients. Evidence suggests that top-down interventions often fail and therefore people should be put at the centre of developing ways around the problem.

Designing meaningful solutions requires in-depth exploration of the relevant issues with stakeholders.

Researchers from the University of Portsmouth, together with researchers and practitioners from the UK, Kenya and Sweden, worked collaboratively with local residents in the informal settlement of Mukuru in Nairobi, Kenya to develop a range of methods including storytelling, music, art and theatre to explore understandings of air pollution. Their findings are published in Nature Humanities and Social Sciences Communications this week.

One of the authors of the study, Dr Cressida Bowyerfrom the University of Portsmouth, says: “For the first time, a study has placed arts and humanities methods at the centre of the exploration of perceptions of air pollution. Our research has pushed the boundaries between disciplines, between research and action, and between experts by education and experts by experience.

“Working with local communities, we were able to uncover contrasting definitions of air pollution, differing perceptions of who was responsible for enacting solutions, and overall a view that air pollution cannot be seen in isolation from the other issues faced by settlement residents.”

The use of these creative methods meant the researchers were able to explore the issue of air pollution with a wide range of stakeholders.  The methods enabled local knowledge and experiences to be incorporated into the understanding of the issue, and allowed the voices of those living with the problem to be heard.

Some examples of creative methods include:

  • Community members made digital stories by taking photographs around Mukuru which, when stitched together and combined with their voiceover, told their story of air pollution.

  • Trained community researchers facilitated school children to create drawn and/or written stories of their experiences of air pollution.

  • Theatre pieces were presented in key community spaces around Mukuru including at a market, a community centre and a football ground. Suggestions were given by the audience about how to resolve the problem and spectators acted out their proposals as part of the theatre.

  • The song ‘Mazingira’ by the Mukuru Kingz, has been played on national radio and television stations with an estimated reach of three million people. The song lyrics explain the problems of air pollution.

Dr Sarah West, Principal Investigator at the Stockholm Environment Centre, says: “From this range of methods we have gained a more complex and nuanced understanding of how air pollution is perceived and understood in Mukuru. The project also created new spaces and forums for dialogue and critical reflection on the topic of air pollution in the community.

“We urge other researchers wishing to address multifactorial problems, such as air pollution, to use a mixture of qualitative, participatory and creative methods to engage with a wide range of stakeholders. This can elicit new and unexpected understandings that may not otherwise emerge.”

Researchers concluded that using creative methods and a collaborative, co-created approach, allowed them to reveal aspects of air pollution that they would not otherwise have identified, and led to a more complex, nuanced and holistic understanding.

This project is part of the Air Network.  For further information please contact:

Emma Gaisford, Media Officer, University of Portsmouth, email: emma.gaisford@port.ac.uk 07889 504483

 

 

The University of Portsmouth is a progressive and dynamic university with an outstanding reputation for innovative teaching and globally significant research and innovation.

It was rated ‘Gold’ in the UK government’s Teaching Excellence Framework (TEF) and was ranked in the top 150 under 50 in the world according to the Times Higher Education rankings.

The University’s research and innovation culture is impacting lives today and in the future and addressing local, national and global challenges across science, technology, humanities, business and creative industries. http://www.port.ac.uk/

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